Common use of How We Will Calculate Your Balance Clause in Contracts

How We Will Calculate Your Balance. We use a method called “average daily balance (including new Purchases).” See the LOW RATE CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the LOW RATE CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT. How We Will Calculate Your Variable APRs: Unless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine your variable APR. For each billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or decrease in the APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment due. See the LOW RATE CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Prime Rate effective as of June 14, 2018 5.00% Xxxxxx added to the Prime Rate to determine your APR for Purchases, Balance Transfers and Cash Advances 3.99% ‐ 10.99% APR for Purchases , Balance Transfers and Cash Advances 8.99% ‐ 15.99% Variable Interest Rate Calculation NOTICE: Some of the set‐up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you will initially have available. For example, if you are assigned the minimum Credit Limit of $250, your initial available credit will be only $209 (or about $204 if you choose to have an additional card).

How We Will Calculate Your Balance. We use a method called “average daily balance (including new Purchases).” See the LOW RATE REWARDS CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the LOW RATE REWARDS CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT. Rewards Program Rules: From the date you register your Card with “uChoose” until your Card is closed, you will receive 1 Reward Point (“Point”) for every 1 dollar of Net Purchases charged to your Rewards Credit Card during each Billing Cycle that the Account is open and current (that is, no Minimum Payment is past due) on the closing date for the Billing cycle. For Rewards Credit Card Accounts the maximum number of Points that may accumulate annually is 100,000. Points will not be awarded for Cash Advances or balance transfers. Points expire in five years from the time they are earned if not redeemed. “Net Purchases” for a Billing Cycle are determined by totaling all new Purchases charged to the Account during the Billing Cycle, then subtracting credits posted to the Account during the Billing Cycle for returned Purchases and/or adjustments. Points will be awarded to the primary cardholder and may be redeemed by an Authorized User on the Account. Your Account must be open and in good standing to earn and redeem rewards and benefits. Amounts currently in dispute and Purchases made in violation of law or the terms governing your Account will not earn Points. This disclosure is only a summary. Complete terms and conditions for the Rewards Program will be provided to cardholders. The Rewards Program is administered by a third party. How We Will Calculate Your Variable APRs: Unless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine your variable APR. For each billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or decrease in the APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment due. See the LOW RATE REWARDS CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Variable Interest Rate Calculation Prime Rate effective as of June 14May 01, 2018 5.002020 3.25% Xxxxxx added to the Prime Rate to determine your APR for Purchases, Balance Transfers and Cash Advances 3.997.99% ‐ 10.99- 12.99% APR for Purchases , Balance Transfers and Cash Advances 8.9911.24% ‐ 15.99- 16.24% Variable Interest Rate Calculation NOTICE: Some of the set‐up set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you will initially have available. For example, if you are assigned the minimum Credit Limit of $250, your initial available credit will be only $209 (or about $204 if you choose to have an additional card).

How We Will Calculate Your Balance. We use a method called “average daily balance (including new Purchases).” See the LOW RATE SECURED CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the LOW RATE SECURED CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT. How We Will Calculate Your Variable APRs: Unless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine your variable APR. For each billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or decrease in the APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment due. See the LOW SECURED RATE CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Prime Rate effective as of June 14, 2018 5.00% Xxxxxx added to the Prime Rate to determine your APR for Purchases, Balance Transfers and Cash Advances 3.99% ‐ 10.996.99% APR for Purchases , Balance Transfers and Cash Advances 8.99% ‐ 15.9911.99% Variable Interest Rate Calculation NOTICESecurity Interest, Pledge, Collateral Summary: Some Your Account is a secured credit card account. In consideration of the set‐up issuance of this Account, you have authorized the Bank to open the Collateral Account in your name. To secure all of your obligations arising under the Account, you assign, transfer, pledge, grant a security interest in, and maintenance fees will be assessed before you begin using your card set over to the Bank all rights, title and will reduce interest in the Collateral Account and in all renewals, additions and proceeds of the Collateral Account. You agree that this security interest, pledge, and assignment includes and gives the Bank the right to redeem, collect and withdraw any part or the full amount of credit the Collateral Account upon any default under this Contract or in the event your Account is terminated for any reason. You acknowledge and agree that this security interest, pledge, and assignment means that the Bank has exclusive control over the Collateral Account. You may not make any withdrawals from the Collateral Account while it secures your Card. This security interest, pledge, and assignment is given as security for any and all amounts you will initially have availablemay owe, including but not limited to interest, fees and charges which may accrue under your Account. For exampleYou agree that if your Account is closed for any reason, if you the Bank may apply funds in the Collateral Account to pay off any balance on the Account. If there are assigned still funds remaining in the minimum Credit Limit of $250Collateral Account after doing so, your initial available credit will be only $209 (or about $204 if you choose these funds may remain on deposit for up to have an additional card)60 days before being remitted to you.

How We Will Calculate Your Balance. We use a method called “average daily balance (including new Purchases).” See the LOW RATE SECURED CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the LOW RATE SECURED CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT. How We Will Calculate Your Variable APRs: Unless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine your variable APR. For each billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or decrease in the APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment due. See the LOW SECURED RATE CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Prime Rate effective as of June 14April 01, 2018 5.002020 4.25% Xxxxxx added to the Prime Rate to determine your APR for Purchases, Balance Transfers and Cash Advances 3.99% ‐ 10.996.99% APR for Purchases , Balance Transfers and Cash Advances 8.99% ‐ 15.9911.24% Variable Interest Rate Calculation NOTICESecurity Interest, Pledge, Collateral Summary: Some Your Account is a secured credit card account. In consideration of the set‐up issuance of this Account, you have authorized the Bank to open the Collateral Account in your name. To secure all of your obligations arising under the Account, you assign, transfer, pledge, grant a security interest in, and maintenance fees will be assessed before you begin using your card set over to the Bank all rights, title and will reduce interest in the Collateral Account and in all renewals, additions and proceeds of the Collateral Account. You agree that this security interest, pledge, and assignment includes and gives the Bank the right to redeem, collect and withdraw any part or the full amount of credit the Collateral Account upon any default under this Contract or in the event your Account is terminated for any reason. You acknowledge and agree that this security interest, pledge, and assignment means that the Bank has exclusive control over the Collateral Account. You may not make any withdrawals from the Collateral Account while it secures your Card. This security interest, pledge, and assignment is given as security for any and all amounts you will initially have availablemay owe, including but not limited to interest, fees and charges which may accrue under your Account. For exampleYou agree that if your Account is closed for any reason, if you the Bank may apply funds in the Collateral Account to pay off any balance on the Account. If there are assigned still funds remaining in the minimum Credit Limit of $250Collateral Account after doing so, your initial available credit will be only $209 (or about $204 if you choose these funds may remain on deposit for up to have an additional card)60 days before being remitted to you.

How We Will Calculate Your Balance. We use a method called “average daily balance (including new Purchases).” See the LOW RATE CAPITAL CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the LOW RATE CAPITAL CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT. How We Will Calculate Your Variable APRs: Unless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine your variable APR. For each billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or decrease in the APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment due. See the LOW RATE CAPITAL CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Prime Rate effective as of June 14April 01, 2018 5.002020 4.25% Xxxxxx added to the Prime Rate to determine your APR for Purchases, Balance Transfers and Cash Advances 3.996.99% ‐ - 10.99% APR for Purchases , Balance Transfers and Cash Advances 8.9911.24% ‐ 15.99- 15.24% Variable Interest Rate Calculation NOTICE: Some of the set‐up set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you will initially have available. For example, if you are assigned the minimum Credit Limit of $250, your initial available credit will be only $209 (or about $204 if you choose to have an additional card).

How We Will Calculate Your Balance. We use a method called “average daily balance (including new Purchases).” See the LOW REWARDS RATE CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the LOW REWARDS RATE CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT. Rewards Program Rules: From the date you register your Card with “uChoose” until your Card is closed, you will receive 1 Reward Point (“Point”) for every 3 dollars of Net Purchases charged to your Rewards Credit Card during each Billing Cycle that the Account is open and current (that is, no Minimum Payment is past due) on the closing date for the Billing cycle. For Rewards Credit Card Accounts the maximum number of Points that may accumulate annually is 100,000. Points will not be awarded for Cash Advances or balance transfers. Points expire in five years from the time they are earned if not redeemed. “Net Purchases” for a Billing Cycle are determined by totaling all new Purchases charged to the Account during the Billing Cycle, then subtracting credits posted to the Account during the Billing Cycle for returned Purchases and/or adjustments. Points will be awarded to the primary cardholder and may be redeemed by an Authorized User on the Account. Your Account must be open and in good standing to earn and redeem rewards and benefits. Amounts currently in dispute and Purchases made in violation of law or the terms governing your Account will not earn Points. This disclosure is only a summary. Complete terms and conditions for the Rewards Program will be provided to cardholders. The Rewards Program is administered by a third party. How We Will Calculate Your Variable APRs: Unless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine your variable APR. For each billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or decrease in the APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment due. See the LOW RATE REWARDS CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Prime Rate effective as of June 14, 2018 5.00% Xxxxxx added to the Prime Rate to determine your APR for Purchases, Balance Transfers and Cash Advances 3.998.99% ‐ 10.99‐12.99% APR for Purchases , Balance Transfers and Cash Advances 8.9913.99% ‐ 15.9917.99% Variable Interest Rate Calculation NOTICE: Some of the set‐up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you will initially have available. For example, if you are assigned the minimum Credit Limit of $250, your initial available credit will be only $209 (or about $204 if you choose to have an additional card).

How We Will Calculate Your Balance. We use a method called “average daily balance (including new Purchases).” See the LOW REWARDS RATE CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the LOW REWARDS RATE CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT. Rewards Program Rules: From the date you register your Card with “uChoose” until your Card is closed, you will receive 1 Reward Point (“Point”) for every 1 dollar of Net Purchases charged to your Rewards Credit Card during each Billing Cycle that the Account is open and current (that is, no Minimum Payment is past due) on the closing date for the Billing cycle. For Rewards Credit Card Accounts the maximum number of Points that may accumulate annually is 100,000. Points will not be awarded for Cash Advances or balance transfers. Points expire in five years from the time they are earned if not redeemed. “Net Purchases” for a Billing Cycle are determined by totaling all new Purchases charged to the Account during the Billing Cycle, then subtracting credits posted to the Account during the Billing Cycle for returned Purchases and/or adjustments. Points will be awarded to the primary cardholder and may be redeemed by an Authorized User on the Account. Your Account must be open and in good standing to earn and redeem rewards and benefits. Amounts currently in dispute and Purchases made in violation of law or the terms governing your Account will not earn Points. This disclosure is only a summary. Complete terms and conditions for the Rewards Program will be provided to cardholders. The Rewards Program is administered by a third party. How We Will Calculate Your Variable APRs: Unless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine your variable APR. For each billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or decrease in the APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment due. See the LOW RATE REWARDS CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT for more details. Prime Rate effective as of June 14April 01, 2018 5.002020 4.25% Xxxxxx added to the Prime Rate to determine your APR for Purchases, Balance Transfers and Cash Advances 3.998.99% ‐ 10.99-12.99% APR for Purchases , Balance Transfers and Cash Advances 8.9913.24% ‐ 15.99- 17.24% Variable Interest Rate Calculation NOTICE: Some of the set‐up set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you will initially have available. For example, if you are assigned the minimum Credit Limit of $250, your initial available credit will be only $209 (or about $204 if you choose to have an additional card).