Common use of PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE Clause in Contracts

PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. The Interest Charge imposed during the billing cycle will be determined by multiplying the Average Daily Balance by the Periodic Rate. The Annual Percentage Rate is divided by 12 to produce the monthly rate. The Periodic Rate and Annual Percentage Rate are variable based on a margin and an index value, which is the highest Prime Rate published in the U.S. Edition of the Market Data Center on The Wall Street Journal website. We add a margin to the index to obtain the Annual Percentage Rate. The margin we add may range based upon your credit qualification as follows: Signature – 7.24 to 17.24% Platinum – 3.74% to 13.74%

PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. The Interest Charge imposed during the billing cycle will be determined by multiplying the Average Daily Balance by the Periodic Rate. The Annual Percentage Rate is divided by 12 to produce the monthly rate. The Periodic Rate and Annual Percentage Rate are variable based on a margin and an index value, which is the highest Prime Rate published in the U.S. Edition of the Market Data Center on The Wall Street Journal websitewebsite multiplied by 0.50. We add a margin to the index to obtain the Annual Percentage Rate. The margin we add may range based upon your credit qualification as follows: Signature – 7.24 to 17.24% Platinum – 3.74- 5.00% to 13.7414.00% Journey Gold - 6.00% to 15.00% Classic - 7.00% to 16.00%

PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. The Interest Charge imposed during the billing cycle will be determined by multiplying the Average Daily Balance by the Periodic Rate. The Annual Percentage Rate is divided by 12 to produce the monthly rate. The Periodic Rate and Annual Percentage Rate are variable based on a margin and an index value, which is the highest Prime Rate published in the U.S. Edition of the Market Data Center on The Wall Street Journal website. We add a margin to the index to obtain the Annual Percentage Rate. The margin we add may range based upon your credit qualification as follows: Signature – 7.24 to 17.24% Platinum – - 3.74% to 13.74%% The index value is determined as of the last day of the billing cycle, rounded to the nearest

PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. The Interest Charge imposed during the billing cycle will be determined by multiplying the Average Daily Balance by the Periodic Rate. The Annual Percentage Rate is divided by 12 to produce the monthly rate. The Periodic Rate and Annual Percentage Rate are variable based on a margin and an index valueindex, which is the highest Prime Rate published in the U.S. Western Edition of the Market Data Center on Money Rates Section of The Wall Street Journal websitemultiplied by 0.50. We add a margin to the index to obtain the Annual Percentage Rate. The margin we add may range based upon your credit qualification as follows: Signature – 7.24 to 17.24% Platinum – 3.74- 7% to 13.74%14% Journey - 8% to 15% Classic - 9% to 16% The index is determined the 1st day of the month preceding the billing cycle, rounded to the nearest