Common use of Consumer Purposes Clause in Contracts

Consumer Purposes. You aren't permitted to use your Account for business purposes. If you do use your Account for business purposes, this Agreement still applies, and you must pay us for those Transactions. You may also have to pay us for any damages and/or expenses resulting from that use. In addition, we may also close your Account. Unlawful Transactions. You aren't permitted to use your Account for unlawful Transactions. If you do use your Account for unlawful Transactions, this Agreement still applies and you must pay us for those Transactions. You also may have to pay the Card Network and/or us for any damages and expenses resulting from that use. In addition, we may close your Account. Mobile Phones or Other Devices. Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We're not responsible if you violate those terms, or for any consequences resulting from any violation. Note: It's important to protect your devices the same way you protect your Card. Anyone who can access your Card using your device also can make charges to your Account using that device. ANNUAL PERCENTAGE RATES & INTEREST CHARGES The following sections explain how we calculate the interest you owe each Billing Period. APRs. We use APRs to calculate interest charges on your Account. Different APRs may apply to different Transactions. See the listing of your APRs on the Pricing Information. Variable APRs. A variable APR is an APR that can change each Billing Period. We calculate each variable APR first by taking the U.S. Prime Rate from The Wall Street Journal (WSJ) on the first business day of the month. (If the WSJ doesn't publish the U.S. Prime Rate that day, then we'll use another publication). Then we add to the U.S. Prime Rate a certain percentage amount, which we call the Margin. You can find the Margin we use for your Account on the first page of this Agreement. The maximum APR for purchases, balance transfers and cash advances is 35.00%. How is a variable APR calculated? If the U.S. Prime Rate published in the WSJ on the first business day of the month is 6.00%; and if the Margin is 11.74%, then add the two together to calculate a variable APR: 6.00% + 11.74% = 17.74% Your variable APRs will increase if the U.S Prime Rate increases and decrease if the U.S. Prime Rate decreases. If a variable APR increases, then your interest charges and Minimum Payment Due may increase. If the U.S. Prime Rate changes, we'll apply the new variable APR starting on the first business day of the month when we take the U.S. Prime Rate from the WSJ. The new APR will apply to existing balances, as well as balances added to your Account after the change. Daily Balance. We calculate interest on your Account each Billing Period first by calculating your daily balances. The following explains how we do that. Here's how and when Transactions, fees and credits are applied to the balances on your Account: • We add the amount of a Purchase or Balance Transfer to the Purchase balance as of the post date on your statement. • We add the amount of a Cash Advance to the Cash Advance balance as of the post date on your statement. • We add a Balance Transfer fee to the Purchase balance as of the post date on your statement. We add a Cash Advance fee to the Cash Advance balance as of the post date on your statement. We'll add any other fees to the balance of our

Consumer Purposes. You aren't permitted to use your Account for business purposes. If you do use your Account for business purposes, this Agreement still applies, and you must pay us for those Transactions. You may also have to pay us for any damages and/or expenses resulting from that use. In addition, we may also close your Account. Unlawful Transactions. You aren't permitted to use your Account for unlawful Transactions. If you do use your Account for unlawful Transactions, this Agreement still applies and you must pay us for those Transactions. You also may have to pay the Card Network and/or us for any damages and expenses resulting from that use. In addition, we may close your Account. Mobile Phones or Other Devices. Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We're not responsible if you violate those terms, or for any consequences resulting from any violation. Note: It's important to protect your devices the same way you protect your Card. Anyone who can access your Card using your device also can make charges to your Account using that device. ANNUAL PERCENTAGE RATES & INTEREST CHARGES The following sections explain how we calculate the interest you owe each Billing Period. APRs. We use APRs to calculate interest charges on your Account. Different APRs may apply to different Transactions. See the listing of your APRs on the Pricing Information. Variable APRs. A variable APR is an APR that can change each Billing Period. We calculate each variable APR first by taking the U.S. Prime Rate from The Wall Street Journal (WSJ) on the first business day of the month. (If the WSJ doesn't publish the U.S. Prime Rate that day, then we'll use another publication). Then we add to the U.S. Prime Rate a certain percentage amount, which we call the Margin. You can find the Margin we use for your Account on the first page of this Agreement. The maximum APR for purchases, balance transfers and cash advances is 35.00%. How is a variable APR calculated? If the U.S. Prime Rate published in the WSJ on the first business day of the month is 6.00%; and if the Margin is 11.74%, then add the two together to calculate a variable APR: 6.00% + 11.74% = 17.74% Your variable APRs will increase if the U.S Prime Rate increases and decrease if the U.S. Prime Rate decreases. If a variable APR increases, then your interest charges and Minimum Payment Due may increase. If the U.S. Prime Rate changes, we'll apply the new variable APR starting on the first business day of the month when we take the U.S. Prime Rate from the WSJ. The new APR will apply to existing balances, as well as balances added to your Account after the change. Daily Balance. We calculate interest on your Account each Billing Period first by calculating your daily balances. The following explains how we do that. Here's how and when Transactions, fees and credits are applied to the balances on your Account: •  We add the amount of a Purchase or Balance Transfer to the Purchase balance as of the post date on your statement. •  We add the amount of a Cash Advance to the Cash Advance balance as of the post date on your statement. •  We add a Balance Transfer fee to the Purchase balance as of the post date on your statement. We add a Cash Advance fee to the Cash Advance balance as of the post date on your statement. We'll add any other fees to the balance of our