Common use of Variable Rate Clause in Contracts

Variable Rate. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0445%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "Change Date." Changes will be based on changes in the "Index." The Index is the highest U.S. Prime Rate published in the "Money Rates" section of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a "Rate Spread" of 12.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0445.0493%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "Change Date." Changes will be based on changes in the "Index." The Index is the highest U.S. Prime Rate published in the "Money Rates" section of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a "Rate Spread" of 12.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.257.00% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.2418.00% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445.0493%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0445.0390%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. U. S. Prime Rate published in the "“Money Rates" ” section of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 10.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points10.99, the ANNUAL PERCENTAGE RATE would be 16.2414.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445.0390%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0445.0431%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles billin g cycle s that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" ” section of The Wall Street Journal on the last business day of the calendar month prior prio r to the month in which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index Index based upon comparable information and will give g ive you notice of our choice. Your interest rate for Purchases is based on o n a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.Marg in . ) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.257.75% and the Rate Spread 12.99 percentage points7.99, the ANNUAL PERCENTAGE RATE would be 16.2415.74% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445.0431%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change th e Ch a n g e Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would wou ld be to increase the amount of interest you must pay and thus increase th u s in cre a se your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE for Purchases all variable rates is shown on page 1 of the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate for Purchases is .0445%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) each month on the first day of each of your billing cycles that begin in March, June, September, and Decembercycles. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" section ” table of The Wall Street Journal on the last business day of immediately preceding the calendar month prior to the month in which the Change Date occursday your billing cycle ends. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index which is based upon comparable information and will give you notice of our choice. The ANNUAL PERCENTAGE RATE may increase or decrease each month if the Index changes. Any new rate will be applied as of the first day of your billing cycle during which the Index has changed. If the ANNUAL PERCENTAGE RATE increases, you will pay a higher INTEREST CHARGE, which may result in a higher minimum payment. Your interest rate for Purchases and Balance Transfers on your Credit Card account is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 17.74 percentage points. (The interest rate for Cash Advances on your Account is based on a variable rate equal to the sum of the Index plus a “Rate Spread is also called the Margin.) Spread” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. Only one ANNUAL PERCENTAGE RATE and Daily Periodic Rate will be in effect for each Balance Category during the billing period. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of INTEREST CHARGE or interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE Annual Percentage Rate for Purchases all variable rates is shown on page 1 of the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate for Purchases is .0445%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE Annual Percentage Rate may change (by increasing or decreasing) each month on the first day of each of your billing cycles that begin in March, June, September, and Decembercycles. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" section ” table of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occursJournal. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index which is based upon comparable information and will give you notice of our choice. The Index figure published on the second Tuesday M-114758 BW-CCAG (REV. 10/14) (or on the next business day if the second Tuesday is a holiday) each month is called the “Current Index.” Your interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Standard Credit Card account is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 17.74 percentage points. The interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Platinum Rewards Credit Card account is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 15.74 percentage points. The interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Platinum Credit Card account is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread Spread” of 13.74 percentage points. The interest rate for Cash Advances on your Account is also called based on a variable rate equal to the Margin.) sum of the Current Index plus a “Rate Spread” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. Only one Annual Percentage Rate and Daily Periodic Rate will be in effect for each Balance Category during the billing period. The ANNUAL PERCENTAGE RATE Annual Percentage Rate will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE Annual Percentage Rate and the Daily Periodic Rate for Purchases would be to increase the amount of INTEREST CHARGE or interest you must pay and thus increase your monthly payments.

Variable Rate. The current initial ANNUAL PERCENTAGE RATE for Purchases and transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will remain in effect for your first eight billing cycles following the opening of your account ("Initial Rate Period"). The Daily Periodic Rate for Purchases and Balance Transfers during the Initial Rate Period is .0082%. After the Initial Rate Period, the Daily Periodic Rate for Purchases and Balance Transfers based on th e Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases and Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0445.0493%. The Daily Periodic Rate Ra te and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles billin g cycle s that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" ” section of The Wall Street Journal on the last business day of the calendar month prior prio r to the month in which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index Index based upon comparable information and will give g ive you notice of our choice. Your interest rate for Purchases is based on o n a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.257.00% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.2418.00% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445.0493%. The new interest rate intere st ra te for Purchases will become effective at the start of your first billing billin g cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in cre a se in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE for Purchases all variable rates is shown on page 1 of the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate for Purchases is .0445%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) each month on the first day of each of your billing cycles that begin in March, June, September, and Decembercycles. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" section ” table of The Wall Street Journal on the last business day of immediately preceding the calendar month prior to the month in which the Change Date occursday your billing cycle ends. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index which is based upon comparable information and will give you notice of our choice. Your The ANNUAL PERCENTAGE RATE may increase or decrease each month if the Index changes. Any new rate will be applied as of the first day of your billing cycle during which the Index has changed. If the ANNUAL PERCENTAGE RATE increases, you will pay a higher INTEREST CHARGE, which may result in a higher minimum payment. The interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Platinum Credit Card account is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 11.74 to 19.74 percentage points, based on your creditworthiness. The interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Cash Back World Credit Card account is based on a variable rate equal to the sum of the Index plus a “Rate Spread” of 12.74 to 19.74 percentage points, based on your creditworthiness. The interest rate for Cash Advances on your Account is based on a variable rate equal to the sum of the Index plus a “Rate Spread” of 21.74 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. Only one ANNUAL PERCENTAGE RATE and Daily Periodic Rate will be in effect for each Balance Category during the billing period. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of INTEREST CHARGE or interest you must pay and thus increase your monthly payments.

Variable Rate. The current initial ANNUAL PERCENTAGE RATE for Purchases is a fixed promotional rate as shown on page 1 of th is Agreement and will remain in effect for your first six billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily Periodic Rate for Purchases during the Initial Rate Period is 0%. A f te r the Initial Rate Period, the Daily Periodic Rate for based on the Curre n t Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases is .0445. 04 93 %. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" ” section of The Wall Street Journal on the last business day of the calendar month prior to the month in which wh ich the Change Date occurs. The most recent Index is called the th e “Current Cu rre n t Index.” If the Index is no longer available, we will choose a new index n e w In d e x based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.255.50% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.2418.00% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445.0493%. The new interest rate intere st ra te for Purchases will become effective at the start of your first billing billin g cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in cre a se in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0445.0308%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" ” section of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points7.99, the ANNUAL PERCENTAGE RATE would be 16.2411.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445.0308%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0445.0493%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles billin g cycle s that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "Change Date." Changes will be based on changes in the "Index." The Index is the highest U.S. Prime Rate published in the "Money Rates" section of The Wall Street Journal on the last business day of the calendar month prior prio r to the month in which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index based upon comparable information and an d will give g ive you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a "Rate Spread" of 12.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.257.00% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.2418.00% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445.0493%. The new interest rate intere st ra te for Purchases will become effective at the start of your first billing billin g cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in cre a se in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE Annual Percentage Rate for Purchases all variable rates is shown on page 1 of the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate for Purchases is .0445%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE Annual Percentage Rate may change (by increasing or decreasing) each month on the first day of each of your billing cycles that begin in March, June, September, and Decembercycles. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" section ” table of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occursJournal. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index which is based upon comparable information and will give you notice of our choice. The Index figure published on the second Tuesday (or on the next business day if the second Tuesday is a holiday) each month is called the “Current Index.” Your interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Wealth Management World Elite MasterCard Account is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 3.90 percentage points. (The interest rate for Cash Advances on your Account is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread is also called the Margin.) Spread” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. Only one Annual Percentage Rate and Daily Periodic Rate will be in effect for each Balance Category during the billing period. The ANNUAL PERCENTAGE RATE Annual Percentage Rate will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE Annual Percentage Rate and the Daily Periodic Rate for Purchases would be to increase the amount of INTEREST CHARGE or interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0445%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" ” section of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.258.25% and the Rate Spread 12.99 percentage points7.99, the ANNUAL PERCENTAGE RATE would be 16.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0445.0452%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" ” section of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.258.50% and the Rate Spread 12.99 percentage points7.99, the ANNUAL PERCENTAGE RATE would be 16.2416.49% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445.0452%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The current initial ANNUAL PERCENTAGE RATE for Purchases and transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will remain in effect for your first eight billing cycles following the opening of your account ("Initial Rate Period"). The Daily Periodic Rate during the Initial Rate Period for Purchases and Balance Transfers is .0082%. After the Initial Rate Period, the Daily Periodic Rate for Purchases and Balance Transfers based on the Current Index and Rate Spread described below will be .0452% and the corresponding ANNUAL PERCENTAGE RATE will be 16.49%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases and Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0445%. .0452% The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" ” section of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.258.50% and the Rate Spread 12.99 7.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.2416.49% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445.0452%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE Annual Percentage Rate for Purchases all variable rates is shown on page 1 of the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate for Purchases is .0445%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE Annual Percentage Rate may change (by increasing or decreasing) each month on the first day of each of your billing cycles that begin in March, June, September, and Decembercycles. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" section ” table of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occursJournal. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index which is based upon comparable information and will give you notice of our choice. The Index figure published on the second Tuesday (or on the next business day if the second Tuesday is a holiday) each month is called the “Current Index.” Your interest rate for Purchases (after the Introductory Period) and Balance Transfers on your World MasterCard account is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 11.74 percentage points. The interest rate for Cash Advances on your Account is based M-114759 BW-WCCAG (The 04/2015) on a variable rate equal to the sum of the Current Index plus a “Rate Spread is also called the Margin.) Spread” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. Only one Annual Percentage Rate and Daily Periodic Rate will be in effect for each Balance Category during the billing period. The ANNUAL PERCENTAGE RATE Annual Percentage Rate will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE Annual Percentage Rate and the Daily Periodic Rate for Purchases would be to increase the amount of INTEREST CHARGE or interest you must pay and thus increase your monthly payments.

Variable Rate. The current initial ANNUAL PERCENTAGE RATE for Purchases is a fixed promotional rate as shown on page 1 of th is Agreement and will remain in effect for your first six billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily Periodic Rate for Purchases during the Initial Rate Period is 0%. A f te r the Initial Rate Period, the Daily Periodic Rate for based on the Curre n t Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases is .0445. 04 93 %. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" ” section of The Wall Street Journal on the last business day of the calendar month prior to the month in which wh ich the Change Date occurs. The most recent Index is called the th e “Current Cu rre n t Index.” If the Index is no longer available, we will choose a new index n e w In d e x based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.257.00% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.2418.00% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445.0493%. The new interest rate intere st ra te for Purchases will become effective at the start of your first billing billin g cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in cre ase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE Annual Percentage Rate for Purchases all variable rates is shown on page 1 of the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate for Purchases is .0445%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE Annual Percentage Rate may change (by increasing or decreasing) each month on the first day of each of your billing cycles that begin in March, June, September, and Decembercycles. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" section ” table of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occursJournal. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index which is based upon comparable information and will give you notice of our choice. The Index figure published on the second Tuesday (or on the next business day if the second Tuesday is a holiday) each month is called the “Current Index.” Your interest rate for Purchases (after the Introductory Period) and Balance Transfers on your World MasterCard account is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 11.74 percentage points. (The interest rate for Cash Advances on your Account is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread is also called the Margin.) Spread” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. Only one Annual Percentage Rate and Daily Periodic Rate will be in effect for each Balance Category during the billing period. The ANNUAL PERCENTAGE RATE Annual Percentage Rate will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE Annual Percentage Rate and the Daily Periodic Rate for Purchases would be to increase the amount of INTEREST CHARGE or interest you must pay and thus increase your monthly payments.

Variable Rate. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight billing cycles beginning with the billing cycle on which the balance transfer appears. The Daily Periodic Rate for Balance Transfers during the eight billing cycle period is .0137%. The Daily Periodic Rate for Balance Transfers after the eight billing cycle period based on the Current Index and Rate Spread described below will be .0308% and the corresponding ANNUAL PERCENTAGE RATE will be 11.24%. The ANNUAL PERCENTAGE RATE for Balance Transfers after the eight billing cycle period will change to the current rate shown on page 1 of this Agreement. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0445.0308%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" ” section of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points7.99, the ANNUAL PERCENTAGE RATE would be 16.2411.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445.0308%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE for Purchases all variable rates is shown on page 1 of the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate for Purchases is .0445%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) each month on the first day of each of your billing cycles that begin in March, June, September, and Decembercycles. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" section ” table of The Wall Street Journal on the last business day of immediately preceding the calendar month prior to the month in which the Change Date occursday your billing cycle ends. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index which is based upon comparable information and will give you notice of our choice. Your The ANNUAL PERCENTAGE RATE may increase or decrease each month if the Index changes. Any new rate will be applied as of the first day of your billing cycle during which the Index has changed. If the ANNUAL PERCENTAGE RATE increases, you will pay a higher INTEREST CHARGE, which may result in a higher minimum payment. The interest rate for Purchases and Balance Transfers on your Platinum Credit Card account is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 11.74 to 19.74 percentage points, based on your creditworthiness. The interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Cash Back World Credit Card account is based on a variable rate equal to the sum of the Index plus a “Rate Spread” of 12.74 to 19.74 percentage points, based on your creditworthiness. The interest rate for Cash Advances on your Account is based on a variable rate equal to the sum of the Index plus a “Rate Spread” of 21.74 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. Only one ANNUAL PERCENTAGE RATE and Daily Periodic Rate will be in effect for each Balance Category during the billing period. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of INTEREST CHARGE or interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE for Purchases all variable rates is shown on page 1 of the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate for Purchases is .0445%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) each month on the first day of each of your billing cycles that begin in March, June, September, and Decembercycles. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" section ” table of The Wall Street Journal on the last business day of immediately preceding the calendar month prior to the month in which the Change Date occursday your billing cycle ends. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index which is based upon comparable information and will give you notice of our choice. The ANNUAL PERCENTAGE RATE may increase or decrease each month if the Index changes. Any new rate will be applied as of the first day of your billing cycle during which the Index has changed. If the ANNUAL PERCENTAGE RATE increases, you will pay a higher INTEREST CHARGE, which may result in a higher minimum payment. Your interest rate for Purchases and Balance Transfers on your Credit Card account is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 18.74 percentage points. (The interest rate for Cash Advances on your Account is based on a variable rate equal to the sum of the Index plus a “Rate Spread is also called the Margin.) Spread” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. Only one ANNUAL PERCENTAGE RATE and Daily Periodic Rate will be in effect for each Balance Category during the billing period. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of INTEREST CHARGE or interest you must pay and thus increase your monthly payments.

Variable Rate. The current ANNUAL PERCENTAGE RATE Annual Percentage Rate for Purchases all variable rates is shown on page 1 of the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate for Purchases is .0445%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE Annual Percentage Rate may change (by increasing or decreasing) each month on the first day of each of your billing cycles that begin in March, June, September, and Decembercycles. Each date on which the rate of interest could change is called a "“Change Date." ” Changes will be based on changes in the "“Index." ” The Index is the highest U.S. Prime Rate published in the "“Money Rates" section ” table of The Wall Street Journal on the last business day of the calendar month prior to the month in which the Change Date occursJournal. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index which is based upon comparable information and will give you notice of our choice. The Index figure published on the second Tuesday (or on the next business day if the second Tuesday is a holiday) each month is called the “Current Index.” Your interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Standard Credit Card account is based on a variable rate equal to the sum of the Current Index plus a "“Rate Spread" ” of 12.99 17.74 percentage points. The interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Platinum Rewards Credit Card account is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 15.74 percentage points. The interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Platinum Credit Card account is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread Spread” of 13.74 percentage points. The interest rate for Cash Advances on your Account is also called based on a variable rate equal to the Margin.) sum of the Current Index plus a “Rate Spread” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 3.25% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0445%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. Only one Annual Percentage Rate and Daily Periodic Rate will be in effect for each Balance Category during the billing period. The ANNUAL PERCENTAGE RATE Annual Percentage Rate will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE Annual Percentage Rate and the Daily Periodic Rate for Purchases would be to increase the amount of INTEREST CHARGE or interest you must pay and thus increase your monthly payments.