Common use of Loss of Introductory APR Clause in Contracts

Loss of Introductory APR. We may end Your Introductory APR, and apply the Penalty APR if You make a late payment. Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Your due date is at least 25 days after the close of each billing cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily bal ance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for bal ance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Fina nce Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the cash advance is posted to Your Account. The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. For VISA CU SoCal Topaz, balance transfer transactions obtained within the first 90 days of Account opening, will be subject to a discounted introductory Monthly Periodic Rate of % (corresponding to an ANNUAL PERCENTAGE RATE of %) for a period of nine months from the date of each such balance transfer. Upon the expiration of the nine month Introductory Rate period for each transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-introductory variable rate that would otherwise apply. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. For VISA CU SoCal Topaz, all balances will be charged finances at a variable Monthly Periodic Rate of % - % (corresponding ANNUAL PERCENTAGE RATE % - %), depending on Your creditworthiness. For VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of % - % (corresponding ANNUAL PERCENTAGE RATE % - %), depending on Your creditworthiness. For Secured VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of % (corresponding ANNUAL PERCENTAGE RATE %). VARIABLE RATE. For purchases, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For VISA CU SoCal Topaz balance transfers, following the expiration of any Introductory Rate period applicable to the transferred balance, such balance is subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the day that any Introductory Rate period for the transferred balance expires, and subsequently, on the first day of the billing cycle of the month immediately following any such change in the Index. For VISA Platinum Rewards and Secured VISA Platinum Rewards balance transfers, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For cash advances, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index'') plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For all balances, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 19.90%, and will apply to Your remaining principal balance.

Loss of Introductory APR. We may end Your Introductory APR, and apply the Penalty APR if You make a late payment. Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Your due date is at least 25 days after the close of each billing cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each e ach day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily bal ance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for bal ance balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Fina nce Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the cash advance is posted to Your Account. The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. For VISA CU SoCal Topaz, balance transfer transactions obtained within the first 90 days of Account opening, will be subject to a discounted introductory Monthly Periodic Rate of % (corresponding to an ANNUAL PERCENTAGE RATE of %) for a period of nine months from the date of each such balance transfer. Upon the expiration of the nine month Introductory Rate period for each transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-introductory variable rate that would otherwise apply. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. For VISA CU SoCal Topaz, all balances will be charged finances at a variable Monthly Periodic Rate of % - % (corresponding ANNUAL PERCENTAGE RATE % - %), depending on Your creditworthiness. For VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of % - % (corresponding ANNUAL PERCENTAGE RATE % - %), depending on Your creditworthiness. For Secured VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of % (corresponding ANNUAL PERCENTAGE RATE %). VARIABLE RATE. For purchases, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For VISA CU SoCal Topaz balance transfers, following the expiration of any Introductory Rate period applicable to the transferred balance, such balance is subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the day that any Introductory Rate period for the transferred balance expires, and subsequently, on the first day of the billing cycle of the month immediately following any such change in the Index. For VISA Platinum Rewards and Secured VISA Platinum Rewards balance transfers, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For cash advances, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index'') plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For all balances, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 19.90%, and will apply to Your remaining principal balance.

Loss of Introductory APR. We may end Your Introductory APR, and apply the Penalty APR if You make a late payment. Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Your due date is at least 25 days after the close of each billing cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each e ach day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily bal ance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for bal ance balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Fina nce Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the cash advance is posted to Your Account. The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. During the first 12 months following the date that You establish a VISA Platinum Rewards Credit Card, purchases made prior to the end of the 60-day period that immediately follows the date that Your Account is established will be subject to a discounted Introductory Monthly Periodic Rate of 0.1658% (corresponding ANNUAL PERCENTAGE RATE 1.99%). Upon the expiration of the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of purchases existing at that time and in the future will immediately increase to the non-Introductory variable rate that would otherwise apply. For VISA CU SoCal TopazPlatinum Rewards, each balance transfer transactions obtained within the first 90 days of Account openingtransaction, whenever made, will be subject to a discounted introductory Introductory Monthly Periodic Rate of 0.1658% (corresponding to an ANNUAL PERCENTAGE RATE of 1.99%) for a period of nine months one year from the date of each such balance transfer. Upon the expiration of the nine month one-year Introductory Rate period for each the transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-introductory Introductory variable rate that would otherwise apply. During the first 12 months following the date that You establish a Secured VISA Platinum Rewards Credit Card, purchases made prior to the end of the 60-day period that immediately follows the date that Your Account is established will be subject to a discounted Introductory Monthly Periodic Rate of 0.1658% (corresponding ANNUAL PERCENTAGE RATE 1.99%). Upon the expiration of the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of purchases existing at that time and in the future will immediately increase to the non-Introductory variable rate that would otherwise apply. For Secured VISA Platinum Rewards, each balance transfer transaction, whenever made, will be subject to a discounted Introductory Monthly Periodic Rate of 0.1658% (corresponding ANNUAL PERCENTAGE RATE 1.99%) for a period of one year from the date of such balance transfer. Upon the expiration of the one-year Introductory Rate period for the transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non- Introductory variable rate that would otherwise apply. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. For VISA CU SoCal TopazPlatinum Rewards, all balances not subject to an introductory rate will be charged finances at a variable Monthly Periodic Rate of 0.8875% - % to 1.4708 (corresponding ANNUAL PERCENTAGE RATE 10.65% - %), depending on Your creditworthiness. For VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of % - % (corresponding ANNUAL PERCENTAGE RATE % - 17.65%), depending on Your creditworthiness. For Secured VISA Platinum Rewards, all balances not subject to an introductory rate will be charged finances at a variable Monthly Periodic Rate of % 1.3875 (corresponding ANNUAL PERCENTAGE RATE 16.65%), depending on Your creditworthiness. VARIABLE RATE. For purchases, following the expiration of the Introductory Rate period, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the day that the Introductory Rate period expires, and subsequently, on the first day of the billing cycle of the month immediately following any such change in the Index. For VISA CU SoCal Topaz balance transfers, following the expiration of any the Introductory Rate period applicable to the transferred balance, such balance is subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the day that any the Introductory Rate period for the transferred balance expires, and subsequently, on the first day of the billing cycle of the month immediately following any such change in the Index. For VISA Platinum Rewards and Secured VISA Platinum Rewards balance transfers, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For cash advances, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index'') plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For all balances, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 19.90%, and will apply to Your remaining principal balance.

Loss of Introductory APR. We may end Your Introductory APR, and apply the Penalty APR if You make a late payment. Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Your due date is at least 25 days after the close of each billing cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transferstransfers , debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily bal ance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for bal ance balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Fina nce Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the cash advance is posted to Your Account. The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. For VISA CU SoCal Topaz, each balance transfer transactions obtained within the first 90 days of Account openingtransaction, whenever made, will be subject to a discounted introductory Monthly Periodic Rate of % (corresponding to an ANNUAL PERCENTAGE RATE of %) for a period of nine six months from the date of each such balance transfer. Upon the expiration of the nine six month Introductory Rate period for each the transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-introductory variable rate that would otherwise apply. The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. For VISA CU SoCal Topaz, all balances will be charged finances at a variable Monthly Periodic Rate of % - % (corresponding ANNUAL PERCENTAGE RATE % - %), depending on Your creditworthiness. For VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of % - % (corresponding ANNUAL PERCENTAGE RATE % - %), depending on Your creditworthiness. For Secured VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of % (corresponding ANNUAL PERCENTAGE RATE %). VARIABLE RATE. For purchases, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For VISA CU SoCal Topaz balance transfers, following the expiration of any Introductory Rate period applicable to the transferred balance, such balance is subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the day that any Introductory Rate period for the transferred balance expires, and subsequently, on the first day of the billing cycle of the month immediately following any such change in the Index. For VISA Platinum Rewards and Secured VISA Platinum Rewards balance transfers, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For cash advances, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index'') plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For all balances, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 19.90%, and will apply to Your remaining principal balance.

Loss of Introductory APR. We may end Your Introductory APR, and apply the Penalty APR if You make a late payment. Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Your due date is at least 25 days after the close of each billing cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance balanc e transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily bal ance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily bala nce for balance for bal ance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Fina nce Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the cash advance is posted to Your Account. The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. For VISA CU SoCal Topaz, each balance transfer transactions obtained within the first 90 days of Account openingtransaction, whenever made, will be subject to a discounted introductory Introductory Monthly Periodic Rate of % (corresponding to an ANNUAL PERCENTAGE RATE of %) for a period of nine months from the date of each such balance transfer. Upon the expiration of the nine month Introductory Rate period for each the transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-introductory non- Introductory variable rate that would otherwise apply. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. For VISA CU SoCal Topaz, all balances will be charged finances at a variable Monthly Periodic Rate of % - % (corresponding ANNUAL PERCENTAGE RATE % - %), depending on Your creditworthiness. For VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of % - % (corresponding ANNUAL PERCENTAGE RATE % - %), depending on Your creditworthiness. For Secured VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of % (corresponding ANNUAL PERCENTAGE RATE %). VARIABLE RATE. For purchases, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For VISA CU SoCal Topaz balance transfers, following the expiration of any Introductory Rate period applicable to the transferred balance, such balance is subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the day that any Introductory Rate period for the transferred balance expires, and subsequently, on the first day of the billing cycle of the month immediately following any such change in the Index. For VISA Platinum Rewards and Secured VISA Platinum Rewards balance transfers, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For cash advances, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index'') plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For all balances, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 19.90%, and will apply to Your remaining principal balance.