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” 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” 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 a Credit Purchases, Method “G”: Average Daily Balance (including New Purchases). An Interest Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance of purchases shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance of purchases shown on your Accountprevious monthly statement within that 25-day period, an Interest Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance of purchases is paid in full or until the date of payment if more than 25 days from the closing date. We maintain separate balances for your For Credit Purchases, the Interest Charge for a billing cycle is computed by applying the Monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Interest Charges. Cash Advances and special promotional balances (eachBalance Transfers, a Method “Balance TypeA”) 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: Average daily balance. The resulting daily Interest Charge is included in on cash advances begins to accrue on the beginning balance of that Balance Type for date you obtain the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date cash advance or the first day of the billing period cycle in which the Purchase or Cash Advance it is posted to the Accountyour account, whichever is later. Cash Advance Fees are included in the Daily Balance of For Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge for a billing cycle is computed by applying the Monthly Periodic Rate to the average daily balance, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the Previous Balance (the outstanding balance of your account at the beginning of the billing cycle) any new Cash Advances received and any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account but excluding any unpaid Interest Charges. The ANNUAL PERCENTAGE RATE will be assigned based on Your creditworthiness. The Interest Charge will be calculated using one of these ANNUAL PERCENTAGE RATES: (1) by multiplying the average daily balance on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Monthly Periodic rate for each day in the billing cycle. At the end Rate of the billing period.9916%, 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 which is an ANNUAL PERCENTAGE RATE 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 11.90%; or (2) we will credit any payment (to by multiplying the extent the payment is applied toward Purchases) as of the first day in average daily balance on your current billing period if you make a payment Account by the Payment Due Date that Monthly Periodic Rate of 1.1583%, which is less than an ANNUAL PERCENTAGE RATE of 13.90%; or (3) by multiplying the current billing period’s New Balance. If a New Balance was shown average daily balance on your previous billing statement and you did not pay the New Balance Ac- count by the Payment Due Date on that statementMonthly Periodic Rate of 1.325%, then we will not impose Interest Charges on any Purchases during which is an ANNUAL PERCENTAGE RATE of 15.90%, or (4) by multiplying the current billing period if you pay the New Balance shown average daily balance on your current billing statement Account by the Payment Due Date on that statementMonthly Periodic Rate of 1.4916%, which is an ANNUAL PERCENTAGE RATE of 17.9%. There is no time period in which you may repay a Cash Advance All interest rates 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 Charge are subject to interestchange. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period In the event of an increase in which an Interest Charge is imposed on your Account, there is a these rates or charges We will provide you at least the minimum interest charge of $1.00notice required by law.

Interest Charges. We calculate use a method called Average Daily Balance (excluding new Regular Credit Plan Purchases) to calculate the Interest Charges. First, 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 in the Billing Cycle for each Credit Plan, we take the beginning balance for (excluding any accrued Interest Charges not posted to the Balance TypeAccount), add any new charges included in that Balance Type, and Fees and subtract any payments and credits applied to for each Credit Plan as described in the “How We Apply Your Payments” Section of this Agreement. The result is the daily balance for each Credit Plan. Next, for each Credit Plan, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each Credit Plan. At the end of each Billing Cycle, we multiply your Average Daily Balance for each Credit Plan by the daily periodic rate for that Balance TypeCredit Plan, and then we multiply the result by the number of days in the Billing Cycle. We then multiply add the resulting balance by the applicable Daily Periodic RateInterest Charges for all Credit Plans together. The resulting daily result is your total Interest Charge is included for the Billing Cycle. For purposes of the above calculations, accrued Interest Charges are added (posted) to the daily balance of each Credit Plan on the last day of the Billing Cycle. Fees are added to the Credit Plan as part of the daily balance on the day they are posted to the Account. Any Fees will be treated as a new Regular Credit Plan Purchase in the beginning Billing Cycle it is assessed. For Regular Credit Plan Purchases, new Purchases become part of the Account balance of that Balance Type on the transaction date, but when we calculate daily balances for the next day. purpose of computing Interest Charges, we do not add any new Purchases and Cash Advances are included in made during the Daily Balance as of the later of the transaction date or Billing Cycle until the first day of the billing period in which new Billing Cycle following the Purchase date of the Purchase. Due to rounding or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advancesa minimum Interest Charge, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure this calculation may vary slightly from the Interest Charge actually assessed. The daily periodic rate that is used to determine your Interest Charges for each Credit Plan is 1/365th of your Annual Percentage Rate (APR) for each such Credit Plan. We will charge the Interest Charges and Fees to your Account as disclosed in the Pricing Information section, any promotional material or disclosure for Promotional Credit Plan transaction(s) and your Statement. If you paid your Regular Credit Plan balance in full and you made the Minimum Payment due on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type Promotional Credit Plans 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 due date on your previous billing statement by the Payment Due Date on that statementprior Statement, then (1) if you again pay your Regular Credit Plan balance in full and you make the Minimum Payment due on your Promotional Credit Plans by the due date on your current Statement, we will not impose charge you any new Interest Charges on new Purchases made under your Regular Credit Plan during your the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statementBilling Cycle, and (2) if you pay at least your Minimum Payment due for the current Billing Cycle but less than the amount described in clause (1), we will credit any treat your payment (to the extent the payment is applied toward Purchases) as of if it was made on the first day in your current billing period if you make a payment by the Payment Due Date that is less than of the current billing period’s New Balance. If a New Balance was shown on Billing Cycle when we calculate 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 new Purchases during made under your Regular Credit Plan. In general, unless otherwise indicated in promotional terms, Interest Charges for Promotional Credit Plan transactions begin to accrue from the current billing period if you pay date of the New Balance shown on your current billing statement by the Payment Due Date on that statement. There transaction until paid in full, and there is no time grace period in which you may repay a Cash Advance and to avoid imposition of Interest ChargesCharges on Promotional Credit Plans. We may be required to apply increase your payments to certain balances first. This may impact Interest Charges on Purchasesand Fees as described in the “Changes to Your Agreement” section of this Agreement. If we charge you do not pay your New Balance in full each monthinterest, then, depending on the balance to which we apply your payment, your new Purchases may charge will 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 no less than $2 and will be allocated among all Credit Plan balances that accrue interest charge of $1.00at our discretion.

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 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. 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. 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.