Common use of Loss of Introductory APR Clause in Contracts

Loss of Introductory APR. We may end your introductory APR and apply the applicable Standard Rate if you make a late payment. Additional Terms and Conditions Variable Rates: Variable Rates on the Account are calculated by adding together an index and a margin. The margins are shown below. The index is the highest U.S. Prime Rate as published in the “Money Rates” section of The Wall Street Journal on the last publication day of each month. An increase or decrease in the index will cause a corresponding increase or decrease in your variable rates on the first day of your billing cycle that begins in the same month in which the index is published. An increase in the index means that you will pay higher interest charges and have a higher Total 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, the Bank may, in its sole discretion, substitute another index. a Standard Rates for Purchases, Term It Plans, and Balance Transfers: • Regions Life - Wall Street Journal Prime + a margin of 8.74% - 18.74% • Regions Prestige - Wall Street Journal Prime + a margin of 9.74% - 19.74% • Xxxxxxx Xxxx Xxxxxxx - Xxxx Xxxxxx Journal Prime + a margin of 10.74% - 20.74% • Regions Premium - Wall Street Journal Prime + a margin of 10.74% b Standard Rate for Cash Advances: • Wall Street Journal Prime + a margin of 21.74% Introductory Rates: * Introductory Rate on Purchases applies through the end of either the 15th monthly billing cycle (for Regions Life Accounts) or the 12th monthly billing cycle (for Regions Prestige, Cash Rewards, and Premium Accounts) after the Account is opened for all Purchases posted to the Account during the same period. When this Introductory APR terminates, any remaining balance that had been subject to the Introductory APR will accrue interest at the Standard APR for Purchases disclosed above, as it may be changed under the Agreement.

Loss of Introductory APR. We may end your introductory APR and apply the applicable Standard Rate if you make a late payment. Additional Terms and Conditions Variable Rates: Variable Rates on the Account are calculated by adding together an index and a margin. The margins are shown below. The index is the highest U.S. Prime Rate as published in the “Money Rates” section of The Wall Street Journal on the last publication day of each month. An increase or decrease in the index will cause a corresponding increase or decrease in your variable rates on the first day of your billing cycle that begins in the same month in which the index is published. An increase in the index means that you will pay higher interest charges and have a higher Total 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, the Bank may, in its sole discretion, substitute another index. a Standard Rates for Purchases, Term It Plans, and Balance Transfers: • Regions Life - Wall Street Journal Prime + a margin of 8.74% - 18.74% • Regions Prestige - Wall Street Journal Prime + a margin of 9.74% - 19.74% • Xxxxxxx Xxxx Xxxxxxx - Xxxx Xxxxxx Journal Prime + a margin of 10.74% - 20.74% • Regions Premium - Wall Street Journal Prime + a margin of 10.74% b Standard Rate for Cash Advances: • Wall Street Journal Prime + a margin of 21.74% Introductory Rates: * Introductory Rate on Purchases applies through the end of either the 15th monthly billing cycle (for Regions Life Accounts) or the 12th monthly billing cycle (for Regions Prestige, Cash Rewards, and Premium Accounts) after the Account is opened for all Purchases posted to the Account during the same period. When this Introductory APR terminates, any remaining balance that had been subject to the Introductory APR will accrue interest at the Standard APR for Purchases disclosed above, as it may be changed under the Agreement. † Introductory Rate on Balance Transfers applies through the end of either the 15th monthly billing cycle (for Regions Life Accounts) or the 12th monthly billing cycle (for Regions Prestige, Cash Rewards and Premium Accounts) after the Account is opened for all Balance Transfers posted within 60 days of Account opening. When this Introductory APR terminates, any remaining balance that had been subject to the Introductory APR will accrue interest at the applicable Standard APR for Balance Transfers disclosed above, as it may be changed under the Agreement.