Common use of Variable Rate Clause in Contracts

Variable Rate. The current ANNUAL PERCENTAGE RATE for all variable rates is shown on the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change each month on the first day of each of your billing cycles. 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 Prime Rate published in the “Money Rates” table of The Wall Street Journal on the business day immediately preceding the day your billing cycle ends. 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 Index plus a “Rate Spread” of 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” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate by adding the Rate Spread to the Index. The new interest rate 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 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 all variable rates is shown on the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE Annual Percentage Rate may change each month on the first day of each of your billing cycles. 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 Prime Rate published in the “Money Rates” table of The Wall Street Journal on the business day immediately preceding the day your billing cycle endsJournal. 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 Index figure published on the second Tuesday (or decrease on the next business day if the second Tuesday is a holiday) each month if is called 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. “Current Index.” Your interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Credit Card World MasterCard account is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 18.74 11.74 percentage points. The interest rate for Cash Advances on your Account is based M-114759 BW-WCCAG (04/2015) on a variable rate equal to the 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 by adding the Rate Spread to the Current Index. The new interest rate will become effective at the start of your first billing cycle after the Change Date. Only one ANNUAL PERCENTAGE RATE 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 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 all variable rates is shown on the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change each month on the first day of each of your billing cycles. 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 Prime Rate published in the “Money Rates” table of The Wall Street Journal on the business day immediately preceding the day your billing cycle ends. 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 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 Index plus a “Rate Spread” of 18.74 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. Immediately before each Change Date we will determine the new interest rate by adding the Rate Spread to the Index. The new interest rate 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 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 all variable rates is shown on the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE Annual Percentage Rate may change each month on the first day of each of your billing cycles. 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 Prime Rate published in the “Money Rates” table of The Wall Street Journal on the business day immediately preceding the day your billing cycle endsJournal. 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 Index figure published on the second Tuesday (or decrease on the next business day if the second Tuesday is a holiday) each month if is called 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. “Current Index.” Your interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Credit Card World MasterCard account is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 18.74 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” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate by adding the Rate Spread to the Current Index. The new interest rate will become effective at the start of your first billing cycle after the Change Date. Only one ANNUAL PERCENTAGE RATE 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 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 all variable rates is shown on the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change each month on the first day of each of your billing cycles. 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 Prime Rate published in the “Money Rates” table of The Wall Street Journal on the business day immediately preceding the day your billing cycle ends. 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 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 Index plus a “Rate Spread” of 18.74 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. Immediately before each Change Date we will determine the new interest rate by adding the Rate Spread to the Index. The new interest rate 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 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 all variable rates is shown on the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE Annual Percentage Rate may change each month on the first day of each of your billing cycles. 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 Prime Rate published in the “Money Rates” table of The Wall Street Journal on the business day immediately preceding the day your billing cycle endsJournal. 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 Index figure published on the second Tuesday M-114758 BW-CCAG (REV. 10/14) (or decrease on the next business day if the second Tuesday is a holiday) each month if is called 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. “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 18.74 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” of 13.74 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” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate by adding the Rate Spread to the Current Index. The new interest rate will become effective at the start of your first billing cycle after the Change Date. Only one ANNUAL PERCENTAGE RATE 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 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 all variable rates is shown on the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change each month on the first day of each of your billing cycles. 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 Prime Rate published in the “Money Rates” table of The Wall Street Journal on the business day immediately preceding the day your billing cycle ends. 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 (after the Introductory Period) and Balance Transfers on your Credit Card account Wealth Management World Elite Mastercard Account is based on a variable rate equal to the sum of the Index plus a “Rate Spread” of 18.74 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 Index plus a “Rate Spread” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate by adding the Rate Spread to the Index. The new interest rate 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 ANNUAL PERCENTAGE RATE and the Daily Periodic Rate 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 all variable rates is shown on the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE Annual Percentage Rate may change each month on the first day of each of your billing cycles. 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 Prime Rate published in the “Money Rates” table of The Wall Street Journal on the business day immediately preceding the day your billing cycle endsJournal. 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 Index figure published on the second Tuesday (or decrease on the next business day if the second Tuesday is a holiday) each month if is called 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. “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 18.74 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” of 13.74 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” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate by adding the Rate Spread to the Current Index. The new interest rate will become effective at the start of your first billing cycle after the Change Date. Only one ANNUAL PERCENTAGE RATE 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 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 all variable rates is shown on the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE Annual Percentage Rate may change each month on the first day of each of your billing cycles. 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 Prime Rate published in the “Money Rates” table of The Wall Street Journal on the business day immediately preceding the day your billing cycle endsJournal. 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 Index figure published on the second Tuesday (or decrease on the next business day if the second Tuesday is a holiday) each month if is called 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. “Current Index.” Your interest rate for Purchases (after the Introductory Period) and Balance Transfers on your Credit Card account 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 18.74 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” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate by adding the Rate Spread to the Current Index. The new interest rate will become effective at the start of your first billing cycle after the Change Date. Only one ANNUAL PERCENTAGE RATE 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 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 all variable rates is shown on the Account Opening Disclosure which has been provided to you with this Agreement. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change each month on the first day of each of your billing cycles. 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 Prime Rate published in the “Money Rates” table of The Wall Street Journal on the business day immediately preceding the day your billing cycle ends. 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 (after the Introductory Period) and Balance Transfers on your Credit Card account Wealth Management World Elite MasterCard Account is based on a variable rate equal to the sum of the Index plus a “Rate Spread” of 18.74 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 Index plus a “Rate Spread” of 21.74 percentage points. Immediately before each Change Date we will determine the new interest rate by adding the Rate Spread to the Index. The new interest rate 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 ANNUAL PERCENTAGE RATE and the Daily Periodic Rate would be to increase the amount of INTEREST CHARGE or interest you must pay and thus increase your monthly payments.