Common use of PAYMENT BY PHONE FEE Clause in Contracts

PAYMENT BY PHONE FEE. This fee: • may be charged each time anyone makes a Payment to your Account with the assistance of a live phone representative; and • amount is disclosed at the time a payment by phone is requested. COPY REQUEST FEE A fee may be charged each time a copy of a document is requested. The fee amount will be disclosed at the time of your request. STOP PAYMENT FEE A fee may be charged when you request a stop payment on a credit card check you have written. Please note, if the check has already been paid, a stop payment cannot be requested. To request a stop payment you must notify us in writing. Please use the “Billing Inquiries” address on your billing statement. If you notify us by phone, you must also notify us in writing within 14 days of your call. Your written, signed request must include these items: • check number; • payee name; • check date; and • check amount. Your stop payment order will end after six months unless you renew it in writing. HOW WE APPLY PAYMENTS We apply your payment up to and including the Minimum Payment Due as we determine, and usually to lower APR balances before higher ones. Any payment amount greater than the Minimum Payment Due is applied to higher APR balances before lower ones. GETTING ADDITIONAL CARDS You may: • request additional cards for others; and/or • permit others to use your Card or Account Number. You are responsible for all charges made on additional Account cards or by permitted users. To revoke another person’s permission to use your Account, you must: • notify us; and • retrieve and destroy any cards, checks or other Account access devices from that person.

PAYMENT BY PHONE FEE. This fee: • may be charged each time anyone makes a Payment payment to your Account with the assistance of a live phone representative; and • amount is disclosed at the time a payment by phone is requested. COPY REQUEST FEE A fee may be charged each time a copy of a document is requested. The fee amount will be disclosed at the time of your request. STOP PAYMENT FEE A fee may be charged when you request a stop payment on a credit card check you have written. Please note, if the check has already been paid, a stop payment cannot be requested. To request a stop payment you must notify us in writing. Please use the “Billing Inquiries” address on your billing statement. If you notify us by phone, you must also notify us in writing within 14 days of your call. Your written, signed request must include these items: • check number; • payee name; • check date; and • check amount. Your stop payment order will end after six months unless you renew it in writing. HOW WE APPLY PAYMENTS We apply your payment up to and including the Minimum Payment Due as we determine, and usually to lower APR balances before higher ones. Any payment amount greater than the Minimum Payment Due is applied to higher APR balances before lower ones. GETTING ADDITIONAL CARDS You may: • request additional cards for others; and/or • permit others to use your Card or Account Number. You are responsible for all charges made on additional Account cards or by permitted users. To revoke another person’s permission to use your Account, you must: • notify us; and • retrieve and destroy any cards, checks or other Account access devices from that person.

PAYMENT BY PHONE FEE. This fee: • may be charged each time anyone makes a Payment payment to your Account with the assistance of a live phone representative; and • amount is disclosed at the time a payment by phone is requested. COPY REQUEST FEE A fee may be charged each time a copy of a document is requested. The fee amount will be disclosed at the time of your request. STOP PAYMENT FEE A fee may be charged when you request a stop payment on a credit card check you have written. Please note, if the check has already been paid, a stop payment cannot be requested. To request a stop payment you must notify us in writing. Please use the “Billing Inquiries” address on your billing statement. If you notify us by phone, you must also notify us in writing within 14 days of your call. Your written, signed request must include these items: • check number; • payee name; • check date; and • check amount. Your stop payment order will end after six months unless you renew it in writing. HOW WE APPLY PAYMENTS We apply your payment up to and including the Minimum Payment Due as we determine, and usually to lower APR balances before higher ones. Any payment amount greater than the Minimum Payment Due is applied to higher APR balances before lower ones. GETTING ADDITIONAL CARDS You may: • request additional cards Cards for others; and/or • permit others to use your Card or Account Number. You are responsible for all charges made on additional Account cards Cards or by permitted users. To revoke another person’s permission to use your Account, you must: • notify us; and • retrieve and destroy any cardsCards, checks or other Account access devices from that person.