Common use of Interest Charges Clause in Contracts

Interest Charges. We calculate a Daily Balance for your Account. We maintain separate balances for your Purchases, Cash Advances and special promotional balances (each, a “Balance Type”) and calculate a Daily Balance for each. To determine the Daily Balance for a Balance Type, each day we take the beginning balance for the Balance Type, add any new charges included in that Balance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. We calculate a Daily Balance for your Account. We may maintain separate balances for your Purchases, Cash Advances Purchases and special promotional Purchase balances (each, a “Balance Type”) and calculate a Daily Balance for each. To determine the Daily Balance for a Balance Type, each day we take the beginning balance for the Balance Type, add any new charges included in that Balance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, Purchases when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate Rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. We calculate Holder shall pay Interest Charges as shown on Holder’s monthly statements, for each billing period in which there is a Daily cash advance or the Previous Balance for your Accountis not paid in full prior to the Closing Date of the billing statement. For cash advance fees, please see the Rates and Fees Disclosure Table. We maintain separate balances for figure the Interest Charges on your Purchases, Cash Advances and special promotional balances (each, a account by applying the monthly Periodic Rate to the entire “Balance Type”) Subject to Interest Rate.” The additional charge for cash advances shall not apply to any cash advance obtained under a separate credit agreement with Holder and calculate a Daily written in connection with these regulations. The “Balance for eachSubject to Interest Rate” is the “average daily balance,” of the account (including current transaction). To determine get the Daily Balance for a Balance Type, each day “average daily balance,” we take the beginning balance for of the Balance Typeaccount each day, add any new charges included in that Balance Typecash advances, credit purchases and other charges, and subtract any payments or credits, unpaid late charges, unpaid membership fees and credits applied to that Balance Typeunpaid Interest Charges. We then multiply This gives us the resulting balance daily balance. Then, we add up all of the daily balances for the billing cycle and divide the total by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance number of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day days in the billing cycle. At This gives us the end “AVERAGE DAILY BALANCE.” Interest Charges for credit purchases begin on the date the purchase is posted to the account unless the Previous Balance shown on the statement is paid in full prior to the Closing Date of the billing period, we statement. Credit purchases made during the statement period and the Previous Balance will add up be excluded from the calculation of the “average daily balance” if the Previous Balance shown on the front of the statement was paid in full prior to the Closing Date of the statement. The Interest Charges for cash advances begin on the date the advance is posted to the account. Holder may avoid additional Interest Charges on all Balance Types for each day an account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing the account’s monthly statement by within 25 days after the Payment Due Closing Date on for that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. We calculate Holder shall pay Interest Charges as shown on Holder’s monthly statements, for each billing period in which there is a Daily cash advance or the Previous Balance for your Accountis not paid in full prior to the Closing Date of the billing statement. For cash advance fees, please see the Interest Rate and Fee Disclosure Table. We maintain separate balances for figure the Interest Charges on your Purchases, Cash Advances and special promotional balances (each, a account by applying the monthly Periodic Rate to the entire “Balance Type”) Subject to Interest Rate.” The additional charge for a cash advance shall not apply to any cash advance obtained under a separate credit agreement with Holder and calculate a Daily written in connection with these regulations. The “Balance for eachSubject to Interest Rate” is the “average daily balance,” of the account (including current transactions). To determine get the Daily Balance for a Balance Type, each day “average daily balance,” we take the beginning balance for of the Balance Typeaccount each day, add any new charges included in that Balance Typecash advances, credit purchases and other charges, and subtract any payments or credits, unpaid late charges, unpaid membership fees and credits applied to that Balance Typeunpaid Interest Charges. We then multiply This gives us the resulting balance daily balance. Then, we add up all of the daily balances for the billing cycle and divide the total by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance number of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day days in the billing cycle. At This gives us the end “AVERAGE DAILY BALANCE”. Interest Charges for credit purchases begin on the date the purchase is posted to the account unless the previous Balance shown on the statement is paid in full prior to the Statement Closing Date indicated on your statement. Credit purchases made during the statement period and the Previous Balance will be excluded from the calculation of the billing period, we will add up “average daily balance” if the daily Previous Balance shown on the front of the statement was paid in full prior to the Closing Date of the statement. The Interest Charges for cash advances begin on the date the advance is posted to the account. Holder may avoid additional Interest Charges on all Balance Types for each day an account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing the account’s monthly statement by within 25 days after the Payment Due Closing Date on for that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. We calculate a Daily Balance for While you may always choose to pay your Account. We maintain separate balances for full new balance shown on your Purchasesstatement, Cash Advances and special promotional balances (each, a “Balance Type”) and calculate a Daily Balance for each. To determine the Daily Balance for a Balance Type, each day interest charges will apply if we take the beginning balance for the Balance Type, add any do not receive your full new charges included in that Balance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily Periodic Ratedue date on your statement. Interest will not be charged on transactions and you will have an interest grace period for transactions of 21 days from the closing date on your statement to the payment due date (due date) if every month we receive payment in FULL by the due date. Payment in FULL means payment of the total new balance shown on your statement which is made up of all charges to your account (including purchases, funds advances, fees and other charges) up to the closing date. If we do not receive payment in FULL by the payment due date, the grace period on your next statement will be extended to up to 25 days. The resulting daily Interest Charge is included specific due date will be shown on your statement. Subject to any interest-free grace period that may still apply, interest will be charged on any previous balances during this period. The grace period will revert to 21 days on the next statement after we receive payment in FULL. If the beginning due date falls on a weekend or Canadian federal or applicable provincial holiday, if we receive payment in FULL by the next business day, you will still have an interest grace period for purchases as set out in this section. If we do not receive payment in FULL by the due date shown on your current statement, you will be charged interest on all transactions (except those that are not subject to interest) shown on that month’s statement and interest will be applied to your account as described below. Any partial payment of your balance will have the effect of reducing the interest payable on your account. Except for Quebec residents, even if we receive payment in FULL of the new balance shown on your most recent statement, you will still be charged interest on all previously billed and unpaid transactions (except those that are not subject to interest),if any, up until the date that we receive payment in FULL of that Balance Type for the statement. These additional interest charges will appear on your next daystatement. Purchases and Cash Advances Due in full balances are included in the Daily Balance as part of the later of required monthly minimum payment and must be paid by the transaction due date or shown on the statement on which they first appear. However, interest only applies to due in full balances if they become delinquent. A due in full balance becomes delinquent when it remains unpaid on the last day of the billing period in which the Purchase or Cash Advance it is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00due.

Interest Charges. We calculate a Daily Balance for While you may always choose to pay your Account. We maintain separate balances for full new balance shown on your Purchasesstatement, Cash Advances and special promotional balances (each, a “Balance Type”) and calculate a Daily Balance for each. To determine the Daily Balance for a Balance Type, each day interest charges will apply if we take the beginning balance for the Balance Type, add any do not receive your full new charges included in that Balance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily Periodic Ratedue date on your statement. Interest will not be charged on transactions and you will have an interest grace period for transactions of 21 days from the closing date on your statement to the payment due date (due date) if every month we receive payment in FULL by the due date. Payment in FULL means payment of the total new balance shown on your statement which is made up of all charges to your account (including purchases, funds advances, fees and other charges) up to the closing date. If we do not receive payment in FULL by the payment due date, the grace period on your next statement will be extended to up to 25 days. The resulting daily Interest Charge is included specific due date will be shown on your statement. Subject to any interest-free grace period that may still apply, interest will be charged on any previous balances during this period. The grace period will revert to 21 days on the next statement after we receive payment in FULL. If the beginning due date falls on a weekend or Canadian federal or applicable provincial holiday, if we receive payment in FULL by the next business day, you will still have an interest grace period for purchases as set out in this section. If we do not receive payment in FULL by the due date shown on your current statement, you will be charged interest on all transactions (except those that are not subject to interest) shown on that month’s statement and interest will be applied to your account as described below. Any partial payment of your balance will have the effect of reducing the interest payable on your account. Except for Quebec residents, even if we receive payment in FULL of the new balance shown on your most recent statement, you will still be charged interest on all previously billed and unpaid transactions (except those that are not subject to interest), if any, up until the date that we receive payment in FULL of that Balance Type for the statement. These additional interest charges will appear on your next daystatement. Purchases and Cash Advances Due in full balances are included in the Daily Balance as part of the later of required monthly minimum payment and must be paid by the transaction due date or shown on the statement on which they first appear. However, interest only applies to due in full balances if they become delinquent. A due in full balance becomes delinquent when it remains unpaid on the last day of the billing period in which the Purchase or Cash Advance it is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00due.

Interest Charges. We calculate You will pay interest charges on your account. For credit purchases we will determine the interest charge by applying a monthly periodic rate of 1.2417%, which is an annual percentage rate of 14.9%, to the "Average Daily Balance for of Purchases" in your Accountaccount during the billing cycle covered by the statement. We maintain separate balances for your Purchases, Cash Advances and special promotional balances (each, a “Balance Type”) and calculate a For the "Average Daily Balance for each. To determine the Daily Balance for a Balance Type, each day of Purchases," we take the beginning balance for the Balance Typeof your purchases each day, add any new charges included in that Balance Type, purchases and subtract any payments or credits, unpaid fees and credits applied to that Balance Typeinterest charges. We then multiply This gives us the resulting daily balance of purchases. Then we add up all the daily balances of purchases for the billing cycle and divide the total by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance number of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day days in the billing cycle. At This gives us the end "Average Daily Balance of Purchases." Interest charges for credit purchases begin on the date the purchase is posted to the account unless the Previous Balance on the statement was paid in full by the immediately preceding monthly statement's payment due date. Credit purchases made during the statement cycle will be excluded from the calculation of the billing period, we will add up daily balance of purchases if the daily Interest Charges on all Previous Balance Types for each day was paid in full by the billing period to get immediately preceding monthly statement's payment due date. You may avoid accruing additional interest charges after the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as Closing Date of the day the Purchase is included statement by paying in the Daily Balance. However, if you paid full the New Balance that was shown on your previous billing the account's monthly statement by the Payment Due Date (within 25 days after the Closing Date). If the Previous Balance was paid in full by the immediately preceding monthly statement due date, then on a current statement you can avoid accruing additional interest on that statementportion of your Average Daily Balance of Purchases that is paid (according to the way we allocate payments under paragraph 7) by the payment due date, then (1) we will not impose Interest Charges on Purchases during your current billing period even if you do not pay the New Balance shown on that monthly statement in full. For cash advances, including loans advanced through a check, we will determine the interest charge by applying a monthly periodic rate of 1.2417%, which is an annual percentage rate of 14.9%, to the "Average Daily Balance of Cash Advances" in your current account during the billing statement cycle covered by the Payment Due Date on that statement. For the "Average Daily Balance of Cash Advances,” we take the beginning balance of cash advances each day, add any new cash advances and (2) we will credit subtract any payment (to or credits, unpaid fees and interest charges. This gives us the extent daily balances of cash advances. Then, we add up all the payment is applied toward Purchases) daily balances of cash advances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "Average Daily Balance of Cash Advances.” Interest charges for cash advances accrue on your monthly statement as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchasestransaction date until paid. If you do not pay are assessed an access fee or surcharge at an ATM to perform a cash advance with your New Balance in full each monthcard, then, depending on this fee will be added to the balance to which we apply your payment, your new Purchases may be cash advance and subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00charges.

Interest Charges. We calculate Holder shall pay “Interest Charges” on Holder’s Account as shown on Holder’s Statements, for each Billing Period in which there is a Daily Cash Advance, Balance for your AccountTransfer or a previous balance listed on the Previous Statement (the “Previous Balance”) which is not paid in full prior to the Statement Closing Date. For Cash Advance and Balance Transfer fees, please see the Rates and Fees Disclosure Table. We maintain separate balances figure the Interest Charges on your Account by applying the applicable monthly Periodic Rate as provided in the Rates and Fees Disclosure Table, to the entire “Balance Subject to Interest Rate” for your each of the categories of Purchases, Balance Transfers and Cash Advances (collectively the “Categories”). The additional charge for Cash Advances shall not apply to any Cash Advance obtained under a separate credit agreement with Holder and special promotional balances (each, a written in connection with these regulations. The “Balance Type”) and calculate a Daily Balance for eachSubject to Interest Rate” is the “average daily balance” of each of the Categories of the Account (including new Purchases). To determine get the Daily Balance for a Balance Type, each day “average daily balance,” we take the beginning balance for of each of the Balance TypeCategories of the Account each day, add any new Cash Advances, Purchases, Balance Transfers and other charges included in that Balance Typeto each of the requisite Categories, and subtract any payments or credits and credits applied add any unpaid late charges, unpaid membership fees and unpaid Interest Charges to that Balance Typeeach of the requisite Categories. We then multiply This gives us the resulting daily balance for each of the Categories. Then, we add up all of the daily balances for the Billing Period and divide the total by the applicable number of days in the Billing Period. This gives us the “Average Daily Periodic RateBalance” for each of the Categories. Interest Charges for Purchases begin on the date the Purchase is posted to the Account unless the Previous Balance shown on the Statement is paid in full prior to the Statement Closing Date. Purchases made during the Billing Period and the Previous Balance will be excluded from the calculation of the “average daily balance” if the Previous Balance shown on the front of the Statement was paid in full prior to the Statement Closing Date. The resulting daily Interest Charge is included in the beginning balance of that Balance Type Charges for the next day. Purchases and Cash Advances are included in begin on the Daily Balance as of date the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Holder may avoid additional Interest Charges on all Balance Types for each day an Account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing statement by the Payment Due Account’s Statement within 25 days after the Closing Date on for that statementStatement. Billed and unpaid Interest Charges and additional fees will be included in the average daily balance, and (2) we as such, will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in accrue interest and reduce your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00Credit Limit.

Interest Charges. We calculate Holder shall pay “Interest Charges” on Holder’s Account as shown on Holder’s Statements, for each Billing Period in which there is a Daily Cash Advance, Balance for your AccountTransfer or a previous balance listed on the Previous Statement (the “Previous Balance”) which is not paid in full prior to the Statement Closing Date. For Cash Advance and Billing Transfer fees, please see the Rates and Fees Disclosure Table. We maintain separate balances figure the Interest Charges on your Account by applying the applicable monthly Periodic Rate as provided in the Rates and Fees Disclosure Table, to the entire “Balance Subject to Interest Rate” for your each of the categories of Purchases, Balance Transfers and Cash Advances (collectively the “Categories”). The additional charge for Cash Advances shall not apply to any Cash Advance obtained under a separate credit agreement with Holder and special promotional balances (each, a written in connection with these regulations. The “Balance Type”) and calculate a Daily Balance for eachSubject to Interest Rate” is the “average daily balance” of each of the Categories of the Account (including new Purchases). To determine get the Daily Balance for a Balance Type, each day “average daily balance,” we take the beginning balance for of each of the Balance TypeCategories of the Account each day, add any new Cash Advances, Purchases, Balance Transfers and other charges included in that Balance Typeto each of the requisite Categories, and subtract any payments or credits and credits applied add any unpaid late charges, unpaid membership fees and unpaid Interest Charges to that Balance Typeeach of the requisite Categories. We then multiply This gives us the resulting daily balance for each of the Categories. Then, we add up all of the daily balances for the Billing Period and divide the total by the applicable number of days in the Billing Period. This gives us the “Average Daily Periodic RateBalance” for each of the Categories. Interest Charges for Purchases begin on the date the Purchase is posted to the Account unless the Previous Balance shown on the Statement is paid in full prior to the Statement Closing Date. Purchases made during the Billing Period and the Previous Balance will be excluded from the calculation of the “average daily balance” if the Previous Balance shown on the front of the Statement was paid in full prior to the Statement Closing Date. The resulting daily Interest Charge is included in the beginning balance of that Balance Type Charges for the next day. Purchases and Cash Advances are included in begin on the Daily Balance as of date the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Holder may avoid additional Interest Charges on all Balance Types for each day an Account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing statement by the Payment Due Account’s Statement within 25 days after the Closing Date on for that statement, Statement. Billed and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.unpaid Interest

Interest Charges. We calculate Holder shall pay Interest Charges as shown on Holder’s monthly statements, for each billing period in which there is a Daily cash advance or the Previous Balance for your Accountis not paid in full prior to the Closing Date of the billing statement. For cash advance fees, please see the Rates and Fees Disclosure Table. We maintain figure the Interest Charges on your account by applying the monthly Periodic Rate to the entire “ Balance Subject to Interest Rate.” The additional charge for cash advances shall not apply to any cash advance obtained und er a separate balances for your Purchases, Cash Advances credit agreement with Holder and special promotional balances written in connection with these regulations. The “ Balance Subject to Interest Rate” is the “ average daily balance,” of the account (each, a “Balance Type”) and calculate a Daily Balance for eachincluding current transaction). To determine get the Daily Balance for a Balance Type, each day “ average daily balance,” we take the beginning balance for of the Balance Typeaccount each day, add any new charges included in that Balance Typecash advances, credit purchases and other charges, and subtract any payments or credits, unpaid late charges, unpaid membership fees and credits applied to that Balance Typeunpaid Interest Charges. We then multiply This gives us the resulting balance daily balance. Then, we add up all of the daily balances for the billing cycle and divide the total by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance number of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day days in the billing cycle. At This gives us the end “ AVERAGE DAILY BALANCE.” Interest Charges for credit purchases begin on the date the purchase is posted to the account unless the Previous Balance shown on the statement is paid in full prior to the Closing Date of the billing period, we statement. Credit purchases made during the statement period and the Previous Balance will add up be excluded from the calculation of the “average daily balance” if the Previous Balance shown on the front of the statement was paid in full prior to the Closing Date of the statement. The Interest Charges for cash advances begin on the date the advance is posted to the account. Holder may avoid additional Interest Charges on all Balance Types for each day an account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing the account’s monthly statement by within 25 days after the Payment Due Closing Date on for that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. Interest charges are a finance charge added to your Account when we apply the applicable Annual Percentage Rate (APR) to your balances on your account. We figure the interest charge on your account by applying the periodic rate to the “average daily balance” of your account. We calculate a Daily interest separately for each Balance Subject to Interest Rate. These include for your Account. We maintain separate balances for your Purchasesexample, Purchases at the current rate, Cash Advances at the current rate and special promotional balances (each, a “Balance Type”) and calculate a Daily Transfers at the current rate. Your monthly billing statement shows each Balance for eachSubject to Interest Rate. To determine calculate interest, we first calculate an “average daily balance” for each Balance Subject to Interest Rate, as described herein. Purchases: To get the Daily Balance for a Balance Type“average daily balance” of Purchases, each day we take the beginning balance for the Balance Typeof Purchases of your account each day, add any new charges included in that Balance TypePurchases, and subtract any unpaid interest or other finance charges and any payments or credits. This gives us the daily balance for Purchases. Then, we add up all the daily balances for the billing cycle and credits applied to that Balance Type. We then multiply divide the resulting balance total by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance number of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day days in the billing cycle. At This gives us the end “average daily balance” of Purchases. Cash Advances: To get the “average daily balance” of Cash Advances, we take the beginning balance of Cash Advances of your account each day, add any new Cash Advances, and subtract any unpaid interest or other finance charges and any payments or credits. This gives us the daily balance for Cash Advances. Then, we add up all the daily balances for the billing period, we will add up cycle and divide the daily Interest Charges on all Balance Types for each day total by the number of days in the billing period to cycle. This gives us the “average daily balance” of Cash Advances. Balance Transfers: To get the total Interest Charge “average daily balance” of Balance Transfers, we take the beginning balance of Balance Transfers of your account each day, add any new Balance Transfers, and subtract any unpaid interest or other finance charges and any payments or credits. This gives us the daily balance for Balance Transfers. Then, we add up all the daily balances for the billing period. Interest Charges begin to accrue on Purchases as cycle and divide the total by the number of the day the Purchase is included days in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances firstcycle. This may impact Interest Charges on Purchases. If you do not pay your New gives us the “average daily balance” of Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00Transfers.

Interest Charges. We calculate a Daily Balance for your AccountYour due date is 25 days after the close of each billing cycle. We maintain separate balances will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Holder shall pay Interest Charges as shown on Holder’s monthly statements, for your Purchaseseach billing period in which there is a cash advance, Cash Advances and special promotional balances (each, a or the Previous Balance is not paid in full prior to the Closing Date of the billing statement. Issuer determines the Interest Charges on Holder’s account by applying the monthly Periodic Rate to the entire “Balance Type”) and calculate a Subject to Interest Rate.” The “Balance Subject to Interest Rate” is the Average Daily Balance for eachBalance, of the account (including current transaction). To determine get the Average Daily Balance for a Balance TypeBalance, each day we take Issuer starts with the beginning balance for of the Balance Typeaccount each day, add any new charges included in that Balance Typecash advances, credit purchases and other charges, and subtract any payments or credits, unpaid late charges, unpaid fees and credits applied to that Balance Typeunpaid Interest Charges. We then multiply This gives the resulting balance Issuer the daily balance. Then, the Issuer adds up all of the daily balances for the billing cycle and divides the total by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance number of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day days in the billing cycle. At This gives the end Issuer the “AVERAGE DAILY BALANCE.” Interest Charges for credit purchases begin on the date the purchase is posted to the account unless the Previous Balance shown on the statement is paid in full prior to the Closing Date of the billing period, we statement. Credit purchases made during the statement period and the Previous Balance will add up be excluded from the daily calculation of the Average Daily Balance if the Previous Balance shown on the front of the statement was paid in full prior to the Closing Date of the statement. The Interest Charges for cash advances begin on the date the advance is posted to the account. Holder may avoid additional Interest Charges on all Balance Types for each day an account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing the account’s monthly statement by within 25 days after the Payment Due Closing Date on for that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. Interest Rates: Your Annual Percentage Rate (“APR”) for purchases is shown in the Interest and Fees Table. Your daily periodic rate (“DPR”) is equal to the APR divided by 365. Variable Rate Information: If your APR is a variable rate, it will vary with the market based on the How We Calculate Your Interest Charges-- Daily Balance Method (including new purchases): We calculate a Daily Balance for interest on your AccountAccount each billing period separately by plan type (Curve Purchase Plan and All-in-One Plan). We maintain separate balances for your PurchasesFor each plan, Cash Advances and special promotional balances (each, a “Balance Type”) and first we calculate a Daily Balance for eachthe daily balance. To determine get the Daily Balance for a Balance Type, each day “daily balance” we take the beginning daily balance for from the Balance Type, end of the previous day. We add any new charges included in purchases allocated to the plan type and any new fees. We also add any interest accrued on the previous day’s balance. This means that Balance Type, and interest is compounded daily. We then subtract any new payments and credits applied allocated to that Balance Typethe plan type. We then multiply make additional adjustments as appropriate, subject to applicable law (as an example, for a disputed charge). This gives us the resulting daily balance by the applicable Daily Periodic Ratefor that day. The resulting daily Interest Charge is included Because transactions in the beginning balance of that Balance Type for All-in-One Plan are matched with corresponding payments, the next day. Purchases and Cash Advances are included in All-in- When Interest Begins to Accrue: Interest accrues from the Daily Balance as of the later date of the transaction date and continues until that balance is paid in full. If a transaction occurs in one billing period but is not posted to your Account until the next billing period, the transaction is added or subtracted on the first day of the billing period in which the Purchase or Cash Advance transaction is posted to the your Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted You do not have to the Account. We figure the Interest Charge pay interest on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, purchases if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each monthby the Payment Due Date every billing period. If you have been paying your New Balance in full and thereby avoiding interest on purchases, thenbut then do not pay the next New Balance in full by the Payment Due Date, depending in that billing period we will start charging interest on the unpaid portion of your balance to which we apply including purchases made that billing period. Purchases matched with an All-in-One payment are not included in the unpaid balance. Once you again pay your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any New Balance in full by the Payment Due Date in a billing period you will not have to pay interest on new purchases in which an Interest Charge is imposed that billing period, but we will impose interest on your Account, there is a minimum interest charge the previous balance from the beginning of $1.00that billing period through the date the payment was received.

Interest Charges. We calculate a See the Credit First National Association Pricing Information for information about your Periodic Interest Rate and Annual Percentage Rate for Interest Charges. The Average Daily Balance for your Account. We maintain separate balances Revolving Balance is calculated by determining the daily balance for your Purchases, Cash Advances and special promotional balances (each, a “Balance Type”) and calculate a Daily Balance for eachRevolving Balance. To determine get the Daily Balance for a Balance Typedaily balance, each day we take the beginning balance for the Revolving Balance Type, add any new charges included in that Balance Type, and of your Account each day. Then we subtract any payments and or credits applied to your Revolving Balance, and any unpaid Interest Charges. We add to that Balance Typeamount any new Regular Credit Plan transactions, Late Payment Fees, and other Account fees and administrative charges. We then multiply add up all the resulting balance daily balances and divide by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included number of days in the beginning balance of that Balance Type for Billing Cycle. This gives us the next day. Purchases and Cash Advances are included in the Average Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Accountfor your Revolving Balance. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily do not charge Interest Charges on all Balance Types for each day in the billing period to get the total unpaid Interest Charge for the billing periodCharges, that is, we do not compound Interest Charges. 1. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if If you paid the New Balance that was shown on at the beginning of your previous billing statement Billing Cycle by the Payment Due Date on during that statementprevious Billing Cycle (or if that New Balance was $0 or a credit balance), then (1) we will not impose Interest Charges on Purchases during your current billing period then: • if you pay the New Balance shown on your current billing statement Monthly Statement in full by the Payment Due Date in your current Billing Cycle. Interest Charges will not be imposed on that statementPurchases during your current Billing Cycle, and (2) we • if you make a payment that is less than the New Balance by the Payment Due Date in your current Billing Cycle, that payment will credit any payment (to the extent the payment is applied toward Purchases) be credited as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New BalanceBilling Cycle. 2. If you had a New Balance was shown on at the beginning of your previous billing statement Billing Cycle and you did not pay the that New Balance by the Payment Due Date on during that statementprevious Billing Cycle, then we will not impose charge Interest Charges on any Purchases during the current billing period Billing Cycle if you pay the New Balance shown on at the beginning of your current billing statement Billing Cycle by its Payment Due Date. Statement Closing Date of the Billing Cycle that includes the end of the stated period of the promotional plan. For example, in a six-month promotional plan, the Delay Period ends on the sixth Statement Closing Date after the qualifying promotional purchase posts to your Account. Any unpaid balance of the qualifying promotional purchases at the end of the Delay Period is added to your Revolving Balance in the Billing Cycle that begins immediately after the Delay Period ends. You will not owe us Interest Charges that accumulate on the qualifying promotional purchases during the Delay Period if we receive (a) the required Minimum Payment Due by its Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full for each month, then, depending on Billing Cycle during the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.Delay Period and

Interest Charges. We calculate Holder shall pay Interest Charges as shown on Holder’s monthly statements, for each billing period in which there is a Daily cash advance or the Previous Balance for your Accountis not paid in full prior to the Closing Date of the billing statement. For cash advance fees, please see the Rates and Fees Disclosure Table. We maintain separate balances for figure the Interest Charges on your Purchases, Cash Advances and special promotional balances (each, a account by applying the monthly Periodic Rate to the entire “Balance Type”) Subject to Interest Rate.” The additional charge for cash advances shall not apply to any cash advance obtained under a separate credit agreement with Xxxxxx and calculate a Daily written in connection with these regulations. The “Balance for eachSubject to Interest Rate” is the “average daily balance,” of the account. To determine get the Daily Balance for a Balance Type, each day “average daily balance,” we take the beginning balance for of the Balance Typeaccount each day, add any new charges included in that Balance Typecash advances, credit purchases and other charges, and subtract any payments or credits, unpaid late charges, unpaid membership fees and credits applied to that Balance Typeunpaid Interest Charges. We then multiply This gives us the resulting balance daily balance. Then, we add up all of the daily balances for the billing cycle and divide the total by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance number of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day days in the billing cycle. At This gives us the end “AVERAGE DAILY BALANCE.” Interest Charges for credit purchases begin on the date the purchase is posted to the account unless the Previous Balance shown on the statement is paid in full prior to the Closing Date of the billing period, we statement. Credit purchases made during the statement period and the Previous Balance will add up be excluded from the calculation of the “average daily balance” if the Previous Balance shown on the front of the statement was paid in full prior to the Closing Date of the statement. The Interest Charges for cash advances begin on the date the advance is posted to the account. Holder may avoid additional Interest Charges on all Balance Types for each day an account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing the account’s monthly statement by within 25 days after the Payment Due Closing Date on for that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. We calculate a See the Credit First National Association Pricing Information for information about your Periodic Interest Rate and Annual Percentage Rate for Interest Charges. The Average Daily Balance for your Account. We maintain separate balances Revolving Balance is calculated by determining the daily balance for your Purchases, Cash Advances and special promotional balances (each, a “Balance Type”) and calculate a Daily Balance for eachRevolving Balance. To determine get the Daily Balance for a Balance Typedaily balance, each day we take the beginning balance for the Revolving Balance Type, add any new charges included in that Balance Type, and of your Account each day. Then we subtract any payments and or credits applied to your Revolving Balance, and any unpaid Interest Charges. We add to that Balance Typeamount any new Regular Credit Plan transactions, Late Payment Fees, and other Account fees and administrative charges. We then multiply add up all the resulting balance daily balances and divide by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included number of days in the beginning balance of that Balance Type for Billing Cycle. This gives us the next day. Purchases and Cash Advances are included in the Average Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Accountfor your Revolving Balance. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily do not charge Interest Charges on all Balance Types for each day in the billing period to get the total unpaid Interest Charge for the billing periodCharges, that is, we do not compound Interest Charges. 1. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if If you paid the New Balance that was shown on at the beginning of your previous billing statement Billing Cycle by the Payment Due Date on during that statementprevious Billing Cycle (or if that New Balance was $0 or a credit balance), then (1) we will not impose Interest Charges on Purchases during your current billing period then: • if you pay the New Balance shown on your current billing statement Monthly Statement in full by the Payment Due Date in your current Billing Cycle. Interest Charges will not be imposed on that statementPurchases during your current Billing Cycle, and (2) we • if you make a payment that is less than the New Balance by the Payment Due Date in your current Billing Cycle, that payment will credit any payment (to the extent the payment is applied toward Purchases) be credited as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New BalanceBilling Cycle. 2. If you had a New Balance was shown on at the beginning of your previous billing statement Billing Cycle and you did not pay the that New Balance by the Payment Due Date on during that statementprevious Billing Cycle, then we will not impose charge Interest Charges on any Purchases during the current billing period Billing Cycle if you pay the New Balance shown on at the beginning of your current billing statement Billing Cycle by its Payment Due Date. You will not owe us Interest Charges that accumulate on the qualifying promotional purchases during the Delay Period if we receive (a) the required Minimum Payment Due by its Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full for each month, then, depending on Billing Cycle during the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.Delay Period and

Interest Charges. We calculate a Daily Balance for your In the case of any transactions under Your Account. We maintain separate , the balances for your Purchases, Cash Advances subject to the peri- odic Interest Charge are the average daily transactions balances outstanding during the month (new and special promotional balances (each, a “Balance Type”) and calculate a Daily Balance for eachprevious). To determine get the Daily Balance for a Balance Typeaverage daily balance, each day we We take the beginning balance for the Balance Typeof Your Account each day, add any new purchases. cash advances, insurance premiums, debit adjustments or other charges included in that Balance Type, and subtract any payments payments, credits and credits applied to that Balance Typeunpaid Interest Charges. This gives Us the daily balance. Then We then multiply add up all the resulting balance daily balances for the billing cycle and divide them by the applicable Daily number of days in the billing cycle. The Interest Charge for a billing cycle is computed by multiplying the average daily balance subject to an Interest Charge by the Monthly Periodic Rate. The resulting daily You can avoid Interest Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to an Interest Charge. Cash advances are always subject to an Interest Charge is included in the beginning balance of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of from the later of the transaction date they are posted to Your Account or from the first day of the billing period cycle in which the Purchase or Cash Advance cash advance is posted to the Your Account. Cash Advance Fees are included VARIABLE RATE: Upon the expiration of any Introductory Rate, all transactions described in the Daily Balance of Cash Advances, and all other fees Pricing Document are included subject to a Variable Rate that is based on the highest Prime Rate as published in the Daily Balance Money Rates section of Purchases, when posted to The Wall Street Journal in effect on the Account15th day of each month of each year (‘Index’) plus Our Margin. We figure The Index plus the Margin equals the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day Rate. An increase or a decrease in the billing cycle. At Index will cause a corresponding increase or decrease in Your Variable Interest Rate on the end first day of the billing periodcycle of the month immediately following any such change in the index. An increase in the index means that You will have a higher interest Rate and have a higher Minimum Payment Due. If the Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, we may, at our sole discretion, substitute another index. Your Interest Rate will add up never be greater than 24.99% and will apply to Your remaining principal balance. For the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. Howeverapplicable Margin, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statementIndex, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statementMonthly Periodic Rate and corresponding Annual Percentage Rate, and (2) we will credit any payment (refer to the extent the payment is applied toward Purchases) as accompanying Pricing Document that We have enclosed with and made a part of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balancethis Agreement. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statementDEFAULT ANNUAL PERCENTAGE RATE. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We A default APR may be required applied to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.account if you:

Interest Charges. Interest Rates: Your Annual Percentage Rate (“APR”) for purchases is shown in the Interest and Fees Table. Your daily periodic rate (“DPR”) is equal to the APR divided by 365. Variable Rate Information: If your APR is a variable rate, it will vary with the market based on the How We Calculate Your Interest Charges-- Daily Balance Method (including new purchases): We calculate a Daily Balance for interest on your AccountAccount each billing period separately by plan type (Curve Purchase Plan and All-in-One Plan). We maintain separate balances for your PurchasesFor each plan, Cash Advances and special promotional balances (each, a “Balance Type”) and first we calculate a Daily Balance for eachthe daily balance. To determine get the Daily Balance for a Balance Type, each day “daily balance” we take the beginning daily balance for from the Balance Type, end of the previous day. We add any new charges included in purchases allocated to the plan type and any new fees. We also add any interest accrued on the previous day's balance. This means that Balance Type, and interest is compounded daily. We then subtract any new payments and credits applied allocated to that Balance Typethe plan type. We then multiply make additional adjustments as appropriate, subject to applicable law (as an example, for a disputed charge). This gives us the resulting daily balance by the applicable Daily Periodic Ratefor that day. The resulting daily Interest Charge is included Because transactions in the beginning balance of that Balance Type for All-in-One Plan are matched with corresponding payments, the next day. Purchases and Cash Advances are included in All-in- When Interest Begins to Accrue: Interest accrues from the Daily Balance as of the later date of the transaction date and continues until that balance is paid in full. If a transaction occurs in one billing period but is not posted to your Account until the next billing period, the transaction is added or subtracted on the first day of the billing period in which the Purchase or Cash Advance transaction is posted to the your Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted You do not have to the Account. We figure the Interest Charge pay interest on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, purchases if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each monthby the Payment Due Date every billing period. If you have been paying your New Balance in full and thereby avoiding interest on purchases, thenbut then do not pay the next New Balance in full by the Payment Due Date, depending in that billing period we will start charging interest on the unpaid portion of your balance to which we apply including purchases made that billing period. Purchases matched with an All-in-One payment are not included in the unpaid balance. Once you again pay your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any New Balance in full by the Payment Due Date in a billing period you will not have to pay interest on new purchases in which an Interest Charge is imposed that billing period, but we will impose interest on your Account, there is a minimum interest charge the previous balance from the beginning of $1.00that billing period through the date the payment was received.