Common use of Interest Charges Clause in Contracts

Interest Charges. We calculate a Daily Balance for your Account. We maintain separate balances for your Purchases, Cash Advances and special promotional balances (each, a “Balance Type”) and calculate a Daily Balance for each. To determine the Daily Balance for a Balance Type, each day we take the beginning balance for the Balance Type, add any new charges included in that Balance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. We calculate a Daily Balance for your Account. We may maintain separate balances for your Purchases, Cash Advances Purchases and special promotional Purchase balances (each, a “Balance Type”) and calculate a Daily Balance for each. To determine the Daily Balance for a Balance Type, each day we take the beginning balance for the Balance Type, add any new charges included in that Balance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, Purchases when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate Rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. We calculate Holder shall pay Interest Charges as shown on Holder’s monthly statements, for each billing period in which there is a Daily cash advance or the Previous Balance for your Accountis not paid in full prior to the Closing Date of the billing statement. For cash advance fees, please see the Rates and Fees Disclosure Table. We maintain separate balances for figure the Interest Charges on your Purchases, Cash Advances and special promotional balances (each, a account by applying the monthly Periodic Rate to the entire “Balance Type”) Subject to Interest Rate.” The additional charge for cash advances shall not apply to any cash advance obtained under a separate credit agreement with Holder and calculate a Daily written in connection with these regulations. The “Balance for eachSubject to Interest Rate” is the “average daily balance,” of the account (including current transaction). To determine get the Daily Balance for a Balance Type, each day “average daily balance,” we take the beginning balance for of the Balance Typeaccount each day, add any new charges included in that Balance Typecash advances, credit purchases and other charges, and subtract any payments or credits, unpaid late charges, unpaid membership fees and credits applied to that Balance Typeunpaid Interest Charges. We then multiply This gives us the resulting balance daily balance. Then, we add up all of the daily balances for the billing cycle and divide the total by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance number of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day days in the billing cycle. At This gives us the end “AVERAGE DAILY BALANCE.” Interest Charges for credit purchases begin on the date the purchase is posted to the account unless the Previous Balance shown on the statement is paid in full prior to the Closing Date of the billing period, we statement. Credit purchases made during the statement period and the Previous Balance will add up be excluded from the calculation of the “average daily balance” if the Previous Balance shown on the front of the statement was paid in full prior to the Closing Date of the statement. The Interest Charges for cash advances begin on the date the advance is posted to the account. Holder may avoid additional Interest Charges on all Balance Types for each day an account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing the account’s monthly statement by within 25 days after the Payment Due Closing Date on for that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. We calculate You will pay interest charges on your account. For credit purchases we will determine the interest charge by applying a monthly periodic rate of 1.2417%, which is an annual percentage rate of 14.9%, to the "Average Daily Balance for of Purchases" in your Accountaccount during the billing cycle covered by the statement. We maintain separate balances for your Purchases, Cash Advances and special promotional balances (each, a “Balance Type”) and calculate a For the "Average Daily Balance for each. To determine the Daily Balance for a Balance Type, each day of Purchases," we take the beginning balance for the Balance Typeof your purchases each day, add any new charges included in that Balance Type, purchases and subtract any payments or credits, unpaid fees and credits applied to that Balance Typeinterest charges. We then multiply This gives us the resulting daily balance of purchases. Then we add up all the daily balances of purchases for the billing cycle and divide the total by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance number of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day days in the billing cycle. At This gives us the end "Average Daily Balance of Purchases." Interest charges for credit purchases begin on the date the purchase is posted to the account unless the Previous Balance on the statement was paid in full by the immediately preceding monthly statement's payment due date. Credit purchases made during the statement cycle will be excluded from the calculation of the billing period, we will add up daily balance of purchases if the daily Interest Charges on all Previous Balance Types for each day was paid in full by the billing period to get immediately preceding monthly statement's payment due date. You may avoid accruing additional interest charges after the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as Closing Date of the day the Purchase is included statement by paying in the Daily Balance. However, if you paid full the New Balance that was shown on your previous billing the account's monthly statement by the Payment Due Date (within 25 days after the Closing Date). If the Previous Balance was paid in full by the immediately preceding monthly statement due date, then on a current statement you can avoid accruing additional interest on that statementportion of your Average Daily Balance of Purchases that is paid (according to the way we allocate payments under paragraph 7) by the payment due date, then (1) we will not impose Interest Charges on Purchases during your current billing period even if you do not pay the New Balance shown on that monthly statement in full. For cash advances, including loans advanced through a check, we will determine the interest charge by applying a monthly periodic rate of 1.2417%, which is an annual percentage rate of 14.9%, to the "Average Daily Balance of Cash Advances" in your current account during the billing statement cycle covered by the Payment Due Date on that statement. For the "Average Daily Balance of Cash Advances,” we take the beginning balance of cash advances each day, add any new cash advances and (2) we will credit subtract any payment (to or credits, unpaid fees and interest charges. This gives us the extent daily balances of cash advances. Then, we add up all the payment is applied toward Purchases) daily balances of cash advances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "Average Daily Balance of Cash Advances.” Interest charges for cash advances accrue on your monthly statement as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchasestransaction date until paid. If you do not pay are assessed an access fee or surcharge at an ATM to perform a cash advance with your New Balance in full each monthcard, then, depending on this fee will be added to the balance to which we apply your payment, your new Purchases may be cash advance and subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00charges.

Interest Charges. See the Credit First National Association Pricing Information for information about your Periodic Interest Rate and Annual Percentage Rate for Interest Charges. We will calculate periodic Interest Charges on your Account for each Billing Cycle by multiplying a monthly periodic rate (“Periodic Interest Rate”) by the Average Daily Balance (including new transactions) on your Account. A Periodic Interest Rate is one-twelfth of its corresponding Annual Percentage Rate (“APR”). We will charge you a Minimum Interest Charge as described in Credit First National Association Pricing Information section for any Billing Cycle in which the Interest Charge that would otherwise be imposed is less than the Minimum Interest Charge identified in Credit First National Association Pricing Information. The Average Daily Balance for your Account. We maintain separate balances Revolving Balance is calculated by determining the daily balance for your Purchases, Cash Advances and special promotional balances (each, a “Balance Type”) and calculate a Daily Balance for eachRevolving Balance. To determine get the Daily Balance for a Balance Typedaily balance, each day we take the beginning balance for the Revolving Balance Type, add any new charges included in that Balance Type, and of your Account each day. Then we subtract any payments and or credits applied to your Revolving Balance, and any unpaid Interest Charges. We add to that Balance Typeamount any new Regular Credit Plan transactions, Late Payment Fees, and other Account fees and administrative charges. We then multiply add up all the resulting balance daily balances and divide by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included number of days in the beginning balance of that Balance Type for Billing Cycle. This gives us the next day. Purchases and Cash Advances are included in the Average Daily Balance as of for your Revolving Balance. We do not charge Interest Charges on unpaid Interest Charges, that is, we do not compound Interest Charges. Interest Charges accumulate on each purchase from the later of (a) the date of the transaction date or (b) the first day of the billing period Billing Cycle in which the Purchase or Cash Advance is posted transaction posts to your Account. Any interest which may have been waived due to the Account. Cash Advance Fees are included receipt of a payment, and which payment is later deemed insufficient or rejected will result in the Daily Balance re-application of Cash Advances, and all other fees are included waived interest to your account. We do not assess Interest Charges in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.following circumstances:

Interest Charges. The Daily Periodic Rates (“DPRs”) and Annual Percentage Rates (“APRs”) for your Account are shown on the Account Summary Table on the card carrier. Variable APRs Except for any Promotional APR, the APRs for your Account are variable rates. We calculate each variable APR by adding together an index and a Daily Balance margin. The margin used to calculate each APR is shown on the Account Summary Table on the card carrier. We calculate each DPR by dividing the APR by 365. The index is the highest U.S. Prime Rate as published in the “Money Rates” section of The Wall Street Journal on the last publication day of each month. An increase or decrease in the index will cause a corresponding increase or decrease in your variable rates on the first day of your billing cycle that begins in the same month in which the index is published. An increase in the index means that you will pay higher interest charges and have a higher Total Minimum Payment Due. If The Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, the Bank may, in its sole discretion, substitute another index. Penalty APR This “Penalty APR” section does not apply to Regions Explore Credit Card Accounts. We may apply the penalty APR to all APRs for your Account (including any Promotional APRs) if we do not receive at least the Minimum Payment Due on your Account by the Payment Due Date for any billing cycle. The penalty APR may be applied because you failed to make a payment or you made a payment that was returned by your bank. If the Penalty APR will be applied to your Account, we will send you advance notice and the Penalty APR will apply to transactions made after the date specified in our notice. After the penalty APR is applied, we will review your Account at least every 6 months. The penalty APR will continue to apply until you have no late payments on your Account during the 6 months being reviewed. How We maintain separate balances Calculate Interest We use the average daily balance method (including new transactions) to calculate the interest owed on your Account for your each billing cycle: • We first figure out the average daily balance for each type of transaction. By type of transaction, we mean Purchases, Cash Advances Advances, Balance Transfers and special any transaction subject to a promotional balances (eachoffer. If any portion of a Purchases balance received a Grace Period, a “Balance Type”) and calculate a Daily Balance that amount is not included in this calculation. • To get the average daily balance for each. To determine the Daily Balance for a Balance Typeeach type of transaction, each day we take the beginning balance for that transaction-type, which will include any unpaid balance on those transactions and any unpaid interest on those transactions. • To the Balance Typebeginning balance, add any new charges included in that Balance Typewe add: * An amount equal to the applicable DPR multiplied by the previous day’s closing daily balance, and * Any new transactions, applicable fees or other debits. Then we subtract any payments or credits. This gives us the daily balance. If any daily balance is less than zero we treat it as zero. • Next, we add up all the daily balances for that transaction-type during the billing cycle, and credits applied to that Balance Typethen divide this total by the number of days in the billing cycle. This gives us the average daily balance. This method of calculating the average daily balance results in charging interest on unpaid interest (also known as compounding) and fees. • We then multiply the resulting average daily balance by the applicable Daily Periodic RateDPR, and then we multiply the resulting amount by the number of days in the billing cycle to determine the amount of interest owed for that type of transaction. The resulting daily • After calculating the amount of interest owed for each type of transaction, we add together these amounts to determine the total amount of interest owed on your Account for the billing cycle. If any interest charge is due, we will charge you at least the Minimum Interest Charge is included in shown on the beginning Account Summary Table. We add transactions and fees to your daily balance of that Balance Type for the next day. (and they may begin accruing interest) no earlier than: • For new Purchases and Cash Advances are included in the Daily Balance as of the later of the – on its transaction date or the first day of the billing period in which cycle, whichever is later. • For new Balance Transfers and Cash Advances – the Purchase transaction date. For Access Checks and Balance Transfers made by check, the transaction date is the date the check is first deposited or Cash Advance cashed. For Balance Transfers made electronically, the transaction date is the date we transmit the Balance Transfer to your other creditor. • For a Returned Payment – the date that the corresponding payment posted to the your Account. Cash Advance • Fees – either on the date of a related transaction, the date they are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to your account, or the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance last day of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle, whichever we may choose. At the end of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge Your Responsibility for the billing period. Interest Charges begin to accrue on Purchases as of Account These sections describe how certain conditions may or may not affect your responsibility for the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. We calculate will charge interest on a Daily Balance for daily basis on the credit we extend to you. The daily interest charges are calculated by multiplying your "daily adjusted debit balance" by the "daily margin interest rate." Generally speaking, your daily adjusted debit balance is the actual settled debit balance in your Margin a nd Short Account, i ncreased by the value of securities held short a nd reduced by the amount of a ny settled credit balance ca rried in your Cash Account. We maintain separate balances for calculate your Purchases, Cash Advances and special promotional balances (each, a “Balance Type”) and calculate a Daily Balance for each. To determine the Daily Balance for a Balance Type, daily-adjusted debit balance each day we take the beginning by adjusting your previous day's balance for the Balance Type, add by any new charges included in that Balance Type, and subtract any payments debits and credits applied to your account and by changes in the value of short positions. If your daily-adjusted debit balance is reduced because you deposit a check or other item that Balance Typeis later returned to us unpaid, we may adjust your account to reflect interest charges you have incurred. We then multiply reserve the resulting balance by right to charge interest on debit balances in the Cash Account. Periodically, we will send you a comprehensive statement showing the activity in your account, including applicable interest charges, interest rates and adjusted daily debit balances. 69406P-UIMD 07/13/2018 Daily Periodic Margin Interest Rate. The resulting "daily Interest Charge margin interest rate" is included in the beginning balance of that Balance Type for the next daybased on a 360-day year. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance It is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate calculated for each day by dividing the base margin interest ra te by 360. Note that the use of a 360-day year results in a higher effective rate of interest than if a year of 365 days were used. The applicable margin interest rate is the base rate for a xx xxxxx adjusted debit balances. Your margin interest rate will be adjusted automatically and without notice to reflect any change in the billing cycleBase Rate. At If your interest rate increases for any reason other than a change in the end of the billing periodBase Rate, we will add up the daily Interest Charges on all Balance Types for each day in the billing period give you wri tten notice at least 30 days' prior to get the total Interest Charge for the billing periodthat change. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Compounding Interest Charges. We compound i nterest on a daily basis. Interest charges will accrue to your account each day. We will include the charges in the next day's opening debit balance and charge interest accordingly. The i nterest rates descri bed a xxxx do not reflect compounding of unpaid interest charges; the effective interest rate, taking into effect such compounding, will be higher. Initial Margin Requirements. The Federal Reserve Board and various stock exchanges determine margin loan rules a nd regulations. When you purchase securities on margin, you agree to deposit the required initial equity by the settlement date and to maintain your e quity at the required levels. The maximum amount we currently may be required loan for common stock (equity) securities is 50% of the value of marginable securities purchased in your Margin and Short Account; different requirements apply to apply your payments to certain balances first. This may impact Interest Charges on Purchasesnon-equity securities, such as bonds or options. If the market value of stock held as collateral increases after you do not pay your New Balance in full each month, then, depending on have met the balance to which we apply your paymentinitial margin requirements, your new Purchases available credit may increase proportionately. Conversely, if the market value decreases, your available credit may proportionately decrease. Initial margin requirements may change without prior notice. We may impose a nytime and without prior notice more stringent requirements on positions that in our sole discretion involve higher levels of ri sk; for example, higher limits may apply for thinly traded, speculative or volatile securities, or concentrated positions of securities. You may purchase only certain securities on margin or use them as collateral in your Margin and Short Account. Most stocks traded on national securities exchanges, and some over-the-counter (OTC) securities are marginable. At our discretion, we reserve the right not to extend credit on any security. Equity securities with a market value of less than $3 per share may not be subject purchased on margin or deposited as margin collateral. If the market value of a security drops below $3 per share, the security will not be assigned any value as collateral to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on secure your Account, there is a minimum interest charge of $1.00margin obligations.

Interest Charges. We calculate Holder shall pay Interest Charges as shown on Holder’s monthly statements, for each billing period in which there is a Daily cash advance or the Previous Balance for your Accountis not paid in full prior to the Closing Date of the billing statement. For cash advance fees, please see the Interest Rate and Fee Disclosure Table. We maintain separate balances for figure the Interest Charges on your Purchases, Cash Advances and special promotional balances (each, a account by applying the monthly Periodic Rate to the entire “Balance Type”) Subject to Interest Rate.” The additional charge for a cash advance shall not apply to any cash advance obtained under a separate credit agreement with Holder and calculate a Daily written in connection with these regulations. The “Balance for eachSubject to Interest Rate” is the “average daily balance,” of the account (including current transactions). To determine get the Daily Balance for a Balance Type, each day “average daily balance,” we take the beginning balance for of the Balance Typeaccount each day, add any new charges included in that Balance Typecash advances, credit purchases and other charges, and subtract any payments or credits, unpaid late charges, unpaid membership fees and credits applied to that Balance Typeunpaid Interest Charges. We then multiply This gives us the resulting balance daily balance. Then, we add up all of the daily balances for the billing cycle and divide the total by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance number of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day days in the billing cycle. At This gives us the end “AVERAGE DAILY BALANCE”. Interest Charges for credit purchases begin on the date the purchase is posted to the account unless the previous Balance shown on the statement is paid in full prior to the Statement Closing Date indicated on your statement. Credit purchases made during the statement period and the Previous Balance will be excluded from the calculation of the billing period, we will add up “average daily balance” if the daily Previous Balance shown on the front of the statement was paid in full prior to the Closing Date of the statement. The Interest Charges for cash advances begin on the date the advance is posted to the account. Holder may avoid additional Interest Charges on all Balance Types for each day an account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing the account’s monthly statement by within 25 days after the Payment Due Closing Date on for that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. We calculate You shall pay Interest Charges as shown on the Billing Statement(s), for each billing period in which there is a Daily Cash Advance, or the Previous Balance for your Accountis not paid in full prior to the Closing Date shown on the Billing Statement. For Cash Advance fees, please see the Interest Rates and Interest Charges Disclosure Table. We maintain separate balances figure the Interest Charges on your Account by applying the monthly Periodic Rate to the entire “Balance Subject to Interest Rate.” The additional charge for your Purchases, Cash Advances and special promotional balances (each, shall not apply to any Cash Advance obtained under a separate credit agreement with you. The “Balance Type”) and calculate a Subject to Interest Rate” is the “Average Daily Balance for eachBalance,” of the Account (including current transaction). To determine get the “Average Daily Balance for a Balance Type, each day Balance,” we take the beginning balance for of the Balance TypeAccount each day, add any new charges included in that Balance TypeCash Advances, Purchases and other charges, and subtract any payments or credits, unpaid late charges, unpaid membership fees and credits applied to that Balance Typeunpaid Interest Charges. We then multiply This gives us the resulting balance daily balance. Then, we add up all of the daily balances for the billing cycle and divide the total by the applicable number of days in the billing cycle. This gives us the “Average Daily Periodic RateBalance.” Interest Charges for Purchases begin on the date the purchase is posted to the Account unless the Previous Balance shown on the Billing Statement is paid in full prior to the Closing Date of the statement. Purchases made during the Billing Statement and the Previous Balance will be excluded from the calculation of the “Average Daily Balance” if the Previous Balance shown on the front of the Billing Statement was paid in full prior to the Closing Date of the statement. The resulting daily Interest Charge is included in the beginning balance of that Balance Type Charges for the next day. Purchases and Cash Advances are included in begin on the Daily Balance as of date the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily You may avoid additional Interest Charges on all Balance Types for each day an Account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing statement by the Payment Due Billing Statement within 25 days after the Closing Date on for that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. We calculate a Credit Purchases, Method “G”: Average Daily Balance (including New Purchases). An Interest Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance of purchases shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance of purchases shown on your Accountprevious monthly statement within that 25-day period, an Interest Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance of purchases is paid in full or until the date of payment if more than 25 days from the closing date. We maintain separate balances for your For Credit Purchases, the Interest Charge for a billing cycle is computed by applying the Monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Interest Charges. Cash Advances and special promotional balances (eachBalance Transfers, a Method “Balance TypeA”) and calculate a Daily Balance for each. To determine the Daily Balance for a Balance Type, each day we take the beginning balance for the Balance Type, add any new charges included in that Balance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily Periodic Rate: Average daily balance. The resulting daily Interest Charge is included in on cash advances begins to accrue on the beginning balance of that Balance Type for date you obtain the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date cash advance or the first day of the billing period cycle in which the Purchase or Cash Advance it is posted to the Accountyour account, whichever is later. Cash Advance Fees are included in the Daily Balance of For Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge for a billing cycle is computed by applying the Monthly Periodic Rate to the average daily balance, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the Previous Balance (the outstanding balance of your account at the beginning of the billing cycle) any new Cash Advances received and any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account but excluding any unpaid Interest Charges. The ANNUAL PERCENTAGE RATE will be assigned based on Your creditworthiness. The Interest Charge will be calculated using one of these ANNUAL PERCENTAGE RATES: (1) by multiplying the average daily balance on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Monthly Periodic rate for each day in the billing cycle. At the end Rate of the billing period.9916%, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as which is an ANNUAL PERCENTAGE RATE of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and 11.90%; or (2) we will credit any payment (to by multiplying the extent the payment is applied toward Purchases) as of the first day in average daily balance on your current billing period if you make a payment Account by the Payment Due Date that Monthly Periodic Rate of 1.1583%, which is less than an ANNUAL PERCENTAGE RATE of 13.90%; or (3) by multiplying the current billing period’s New Balance. If a New Balance was shown average daily balance on your previous billing statement and you did not pay the New Balance Ac- count by the Payment Due Date on that statementMonthly Periodic Rate of 1.325%, then we will not impose Interest Charges on any Purchases during which is an ANNUAL PERCENTAGE RATE of 15.90%, or (4) by multiplying the current billing period if you pay the New Balance shown average daily balance on your current billing statement Account by the Payment Due Date on that statementMonthly Periodic Rate of 1.4916%, which is an ANNUAL PERCENTAGE RATE of 17.9%. There is no time period in which you may repay a Cash Advance All interest rates and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be Charge are subject to interestchange. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period In the event of an increase in which an Interest Charge is imposed on your Account, there is a these rates or charges We will provide you at least the minimum interest charge of $1.00notice required by law.

Interest Charges. We calculate Holder shall pay “Interest Charges” on Holder’s Account as shown on Holder’s Statements, for each Billing Period in which there is a Daily Cash Advance, Balance for your AccountTransfer or a previous balance listed on the Previous Statement (the “Previous Balance”) which is not paid in full prior to the Statement Closing Date. For Cash Advance and Billing Transfer fees, please see the Rates and Fees Disclosure Table. We maintain separate balances figure the Interest Charges on your Account by applying the applicable monthly Periodic Rate as provided in the Rates and Fees Disclosure Table, to the entire “Balance Subject to Interest Rate” for your each of the categories of Purchases, Balance Transfers and Cash Advances (collectively the “Categories”). The additional charge for Cash Advances shall not apply to any Cash Advance obtained under a separate credit agreement with Holder and special promotional balances (each, a written in connection with these regulations. The “Balance Type”) and calculate a Daily Balance for eachSubject to Interest Rate” is the “average daily balance” of each of the Categories of the Account (including new Purchases). To determine get the Daily Balance for a Balance Type, each day “average daily balance,” we take the beginning balance for of each of the Balance TypeCategories of the Account each day, add any new Cash Advances, Purchases, Balance Transfers and other charges included in that Balance Typeto each of the requisite Categories, and subtract any payments or credits and credits applied add any unpaid late charges, unpaid membership fees and unpaid Interest Charges to that Balance Typeeach of the requisite Categories. We then multiply This gives us the resulting daily balance for each of the Categories. Then, we add up all of the daily balances for the Billing Period and divide the total by the applicable number of days in the Billing Period. This gives us the “Average Daily Periodic RateBalance” for each of the Categories. Interest Charges for Purchases begin on the date the Purchase is posted to the Account unless the Previous Balance shown on the Statement is paid in full prior to the Statement Closing Date. Purchases made during the Billing Period and the Previous Balance will be excluded from the calculation of the “average daily balance” if the Previous Balance shown on the front of the Statement was paid in full prior to the Statement Closing Date. The resulting daily Interest Charge is included in the beginning balance of that Balance Type Charges for the next day. Purchases and Cash Advances are included in begin on the Daily Balance as of date the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Holder may avoid additional Interest Charges on all Balance Types for each day an Account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing statement by the Payment Due Account’s Statement within 25 days after the Closing Date on for that statementStatement. Billed and unpaid Interest Charges and additional fees will be included in the average daily balance, and (2) we as such, will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in accrue interest and reduce your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.Credit Limit

Interest Charges. We calculate Holder shall pay “Interest Charges” on Holder’s Account as shown on Holder’s Statements, for each Billing Period in which there is a Daily Cash Advance, Balance for your AccountTransfer or a previous balance listed on the Previous Statement (the “Previous Balance”) which is not paid in full prior to the Statement Closing Date. For Cash Advance and Balance Transfer fees, please see the Rates and Fees Disclosure Table. We maintain separate balances figure the Interest Charges on your Account by applying the applicable monthly Periodic Rate as provided in the Rates and Fees Disclosure Table, to the entire “Balance Subject to Interest Rate” for your each of the categories of Purchases, Balance Transfers and Cash Advances (collectively the “Categories”). The additional charge for Cash Advances shall not apply to any Cash Advance obtained under a separate credit agreement with Holder and special promotional balances (each, a written in connection with these regulations. The “Balance Type”) and calculate a Daily Balance for eachSubject to Interest Rate” is the “average daily balance” of each of the Categories of the Account (including new Purchases). To determine get the Daily Balance for a Balance Type, each day “average daily balance,” we take the beginning balance for of each of the Balance TypeCategories of the Account each day, add any new Cash Advances, Purchases, Balance Transfers and other charges included in that Balance Typeto each of the requisite Categories, and subtract any payments or credits and credits applied add any unpaid late charges, unpaid membership fees and unpaid Interest Charges to that Balance Typeeach of the requisite Categories. We then multiply This gives us the resulting daily balance for each of the Categories. Then, we add up all of the daily balances for the Billing Period and divide the total by the applicable number of days in the Billing Period. This gives us the “Average Daily Periodic RateBalance” for each of the Categories. Interest Charges for Purchases begin on the date the Purchase is posted to the Account unless the Previous Balance shown on the Statement is paid in full prior to the Statement Closing Date. Purchases made during the Billing Period and the Previous Balance will be excluded from the calculation of the “average daily balance” if the Previous Balance shown on the front of the Statement was paid in full prior to the Statement Closing Date. The resulting daily Interest Charge is included in the beginning balance of that Balance Type Charges for the next day. Purchases and Cash Advances are included in begin on the Daily Balance as of date the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Holder may avoid additional Interest Charges on all Balance Types for each day an Account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing statement by the Payment Due Account’s Statement within 25 days after the Closing Date on for that statementStatement. Billed and unpaid Interest Charges and additional fees will be included in the average daily balance, and (2) we as such, will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in accrue interest and reduce your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00Credit Limit.

Interest Charges. We calculate Holder shall pay Interest Charges as shown on Holder’s monthly statements, for each billing period in which there is a Daily cash advance, or the Previous Balance for your Accountis not paid in full prior to the Closing Date of the billing statement. For cash advance fees, please see the Application Solicitation Disclosure or Account Opening Disclosure. We maintain separate balances for your Purchases, Cash Advances and special promotional balances (each, a figure the Interest Charges on Your Account by applying the monthly Periodic Rate to the entire “Balance Type”) Subject to Interest Rate.” The additional charge for cash advances shall not apply to any cash advance obtained under a separate credit agreement with Xxxxxx and calculate a Daily written in connection with this Agreement. The “Balance for eachSubject to Interest Rate” is the “average daily balance,” of the Account (including current transaction). To determine get the Daily Balance for a Balance Type, each day we “average daily balance,” We take the beginning balance for of the Balance TypeAccount each day, add any new charges included in that Balance Typecash advances, credit purchases and other charges, and subtract any payments or credits, unpaid late charges, unpaid membership fees and credits applied to that Balance Typeunpaid Interest Charges. This gives Us the daily balance. Then, We then multiply add up all of the resulting balance daily balances for the billing cycle and divide the total by the applicable Daily Periodic Ratenumber of days in the billing cycle. This gives Us the “AVERAGE DAILY BALANCE.” Interest Charges for credit purchases begin on the date the purchase is posted to the Account unless the Previous Balance shown on the statement is paid in full prior to the Closing Date of the statement. Credit purchases made during the statement period and the Previous Balance will be excluded from the calculation of the “average daily balance” if the Previous Balance shown on the front of the statement was paid in full prior to the Closing Date of the statement. The resulting daily Interest Charge is included in Charges for cash advances begin on the beginning balance of that Balance Type for date the next day. Purchases and Cash Advances are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase or Cash Advance advance is posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Holder may avoid additional Interest Charges on all Balance Types for each day the Account by paying in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay full the New Balance shown on your current billing the Account’s monthly statement by within 25 days after the Payment Due Closing Date on for that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We may be required to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.

Interest Charges. We calculate a Daily Balance Except for your Account. We maintain separate balances for your Purchasesany Promotional Offers, Cash Advances and special promotional balances (each, a “Balance Type”) and calculate a Daily Balance for each. To determine the Daily Balance for a Balance Type, each day we take interest rates on the beginning balance for the Balance Type, add any new charges included in that Balance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily Periodic RateAccount are variable rates. The resulting daily Interest Charge Credit Union calculates each APR by adding together an index and a margin. This index is included the highest U.S. Prime Rate as published in the beginning balance “Money Rates” section of that Balance Type for The Wall Street Journal on the next daylast publication day of each month. Purchases and Cash Advances are included An increase or decrease in the Daily Balance as of index will cause a corresponding increase or decrease in your variable rates on the later of the transaction date or the first first day of your billing cycle that begins in the billing period same month in which the Purchase index is published. An increase in the index means that you will pay higher interest charges and have a higher Total Minimum Payment Due. If The Wall Street Journal does not publish the U.S. Prime Rate, or Cash Advance is if it changes the definition of the U.S. Prime Rate, the Credit Union may, in its sole discretion, substitute another index. FINANCE CHARGES: No finance charge will accrue on new Purchases posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each during a Billing Cycle if you had no Previous Balance Type by multiplying your Daily Balance of each Balance Type by at the applicable Daily Periodic rate for each day in the billing cycle. At the end beginning of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, Billing Cycle or if you paid the entire New Balance that was shown on your for the previous billing statement Billing Cycle by the Payment Due Date shown on that statementthe Statement covering such previous Billing Cycle; otherwise a finance charge will accrue from the date a Purchase is posted to your Account. To avoid an additional finance charge on the outstanding balance of Purchases shown on a Statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you must pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the entire New Balance by the Payment Due Date shown on that statementStatement. A finance charge begins to accrue on Advances and on Balance Transfers from the date the Advance or Balance Transfer is posted to your Account. To avoid an additional finance charge on the outstanding balance of Advances shown on a Statement, then we will not impose Interest Charges on any Purchases during the current billing period if you must pay the entire New Balance shown on your current billing statement by the Payment Due Date on of that statementStatement. There Finance Charges are calculated separately for Purchases and Balance Transfers, and for Advances. For Purchases and Balance Transfers, the finance charge is no time period in which you may repay a Cash Advance computed by applying the Daily Periodic Rate for Purchases to the average daily balance of Purchases and avoid imposition Balance Transfers. To calculate the average daily balance of Interest Charges. We may be required Purchases and Balance Transfers, we take the beginning outstanding balance of Purchases and Balances Transfers each day, add any new Purchases and Balance Transfers posted to your Account that day, and subtract any payments and/or credits that we apply your payments to certain balances firstthe Purchase or Balance Transfer balance that day. This may impact Interest Charges on gives us the daily balance of Purchases and Balance Transfers. Then, we add all the daily balances of Purchases and Balance Transfers for all days in the Billing Cycle together and divide the total by the number of days in Billing Cycle. This gives us the average daily balance of Purchases and Balance Transfers. To calculate the finance charge for Purchases and Balance Transfers, we multiply the average daily balance of Purchases and Balance Transfers by the Daily Periodic Rate for Purchases, and then multiply the product by the number of days in the Billing Cycle. If you do not pay For Advances, the finance charge is computed by applying the Daily Periodic Rate for Advances to the average daily balance of Advances. To calculate the average daily balance of Advances, we take the beginning outstanding balance of Advances each day, add in any new Advances that are posted to your New Balance in full each monthAccount that day, then, depending on the balance to which and subtract any payments and/or credits that we apply your paymentto the Advance balance that day. This gives us the daily balance of Advances. Then, your new Purchases we add all the daily balances of Advances for all days in the Billing Cycle together and divide the total by the number of days in the Billing Cycle. This gives us the average daily balance of Advances. To calculate the finance charge for Advances, we multiply the average daily balance of Advances by the Daily Periodic Rate for Advances, and then multiply the product by the number of days in the Billing Cycle. In the event of default, we may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period impose a Default Rate as indicated in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00"Credit Union’s Rights Upon Default" below.

Interest Charges. We calculate a Daily Balance for your In the case of any transactions under Your Account. We maintain separate , the balances for your Purchases, Cash Advances subject to the peri- odic Interest Charge are the average daily transactions balances outstanding during the month (new and special promotional balances (each, a “Balance Type”) and calculate a Daily Balance for eachprevious). To determine get the Daily Balance for a Balance Typeaverage daily balance, each day we We take the beginning balance for the Balance Typeof Your Account each day, add any new purchases. cash advances, insurance premiums, debit adjustments or other charges included in that Balance Type, and subtract any payments payments, credits and credits applied to that Balance Typeunpaid Interest Charges. This gives Us the daily balance. Then We then multiply add up all the resulting balance daily balances for the billing cycle and divide them by the applicable Daily number of days in the billing cycle. The Interest Charge for a billing cycle is computed by multiplying the average daily balance subject to an Interest Charge by the Monthly Periodic Rate. The resulting daily You can avoid Interest Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to an Interest Charge. Cash advances are always subject to an Interest Charge is included in the beginning balance of that Balance Type for the next day. Purchases and Cash Advances are included in the Daily Balance as of from the later of the transaction date they are posted to Your Account or from the first day of the billing period cycle in which the Purchase or Cash Advance cash advance is posted to the Your Account. Cash Advance Fees are included VARIABLE RATE: Upon the expiration of any Introductory Rate, all transactions described in the Daily Balance of Cash Advances, and all other fees Pricing Document are included subject to a Variable Rate that is based on the highest Prime Rate as published in the Daily Balance Money Rates section of Purchases, when posted to The Wall Street Journal in e"ect on the Account15th day of each month of each year (‘Index’) plus Our Margin. We figure The Index plus the Margin equals the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day Rate. An increase or a decrease in the billing cycle. At Index will cause a corresponding increase or decrease in Your Variable Interest Rate on the end first day of the billing periodcycle of the month immediately following any such change in the index. An increase in the index means that You will have a higher interest Rate and have a higher Minimum Payment Due. If the Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, we may, at our sole discretion, substitute another index. Your Interest Rate will add up never be greater than 24.99% and will apply to Your remaining principal balance. For the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. Howeverapplicable Margin, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statementIndex, then (1) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statementMonthly Periodic Rate and corresponding Annual Percentage Rate, and (2) we will credit any payment (refer to the extent the payment is applied toward Purchases) as accompanying Pricing Document that We have enclosed with and made a part of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balancethis Agreement. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statementDEFAULT ANNUAL PERCENTAGE RATE. There is no time period in which you may repay a Cash Advance and avoid imposition of Interest Charges. We A default APR may be required applied to apply your payments to certain balances first. This may impact Interest Charges on Purchases. If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, your new Purchases may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00.account if you:

Interest Charges. We calculate a Daily Balance Except for your Account. We maintain separate balances for your Purchasesany Promotional Offers, Cash Advances and special promotional balances (each, a “Balance Type”) and calculate a Daily Balance for each. To determine the Daily Balance for a Balance Type, each day we take interest rates on the beginning balance for the Balance Type, add any new charges included in that Balance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily Periodic RateAccount are variable rates. The resulting daily Interest Charge Credit Union calculates each APR by adding together an index and a margin. This index is included the highest U.S. Prime Rate as published in the beginning balance “Money Rates” section of that Balance Type for The Wall Street Journal on the next daylast publication day of each month. Purchases and Cash Advances are included An increase or decrease in the Daily Balance as of the later of the transaction date index will cause a corresponding increase or decrease in your variable rates on the first day of your billing cycle that begins in the billing period same month in which the Purchase index is published. An increase in the index means that you will pay higher interest charges and have a higher Total Minimum Payment Due. If The Wall Street Journal does not publish the U.S. Prime Rate, or Cash Advance is if it changes the definition of the U.S. Prime Rate, the Credit Union may, in its sole discretion, substitute another index. FINANCE CHARGES: No finance charge will accrue on new Purchases posted to the Account. Cash Advance Fees are included in the Daily Balance of Cash Advances, and all other fees are included in the Daily Balance of Purchases, when posted to the Account. We figure the Interest Charge on your Account for each during a Billing Cycle if you had no Previous Balance Type by multiplying your Daily Balance of each Balance Type by at the applicable Daily Periodic rate for each day in the billing cycle. At the end beginning of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, Billing Cycle or if you paid the entire New Balance that was shown on your for the previous billing statement Billing Cycle by the Payment Due Date shown on that statementthe Statement covering such previous Billing Cycle; otherwise a finance charge will accrue from the date a Purchase is posted to your Account. To avoid an additional finance charge on the outstanding balance of Purchases shown on a Statement, then (1) we will not impose Interest Charges on Purchases during your current billing period if you must pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and (2) we will credit any payment (to the extent the payment is applied toward Purchases) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing period’s New Balance. If a New Balance was shown on your previous billing statement and you did not pay the entire New Balance by the Payment Due Date shown on that statementStatement. A finance charge begins to accrue on Advances and on Balance Transfers from the date the Advance or Balance Transfer is posted to your Account. To avoid an additional finance charge on the outstanding balance of Advances shown on a Statement, then we will not impose Interest Charges on any Purchases during the current billing period if you must pay the entire New Balance shown on your current billing statement by the Payment Due Date on of that statementStatement. There Finance Charges are calculated separately for Purchases and Balance Transfers, and for Advances. For Purchases and Balance Transfers, the finance charge is no time period in which you may repay a Cash Advance computed by applying the Daily Periodic Rate for Purchases to the average daily balance of Purchases and avoid imposition Balance Transfers. To calculate the average daily balance of Interest Charges. We may be required Purchases and Balance Transfers, we take the beginning outstanding balance of Purchases and Balances Transfers each day, add any new Purchases and Balance Transfers posted to your Account that day, and subtract any payments and/or credits that we apply your payments to certain balances firstthe Purchase or Balance Transfer balance that day. This may impact Interest Charges on gives us the daily balance of Purchases and Balance Transfers. Then, we add all the daily balances of Purchases and Balance Transfers for all days in the Billing Cycle together and divide the total by the number of days in Billing Cycle. This gives us the average daily balance of Purchases and Balance Transfers. To calculate the finance charge for Purchases and Balance Transfers, we multiply the average daily balance of Purchases and Balance Transfers by the Daily Periodic Rate for Purchases, and then multiply the product by the number of days in the Billing Cycle. If you do not pay For Advances, the finance charge is computed by applying the Daily Periodic Rate for Advances to the average daily balance of Advances. To calculate the average daily balance of Advances, we take the beginning outstanding balance of Advances each day, add in any new Advances that are posted to your New Balance in full each monthAccount that day, then, depending on the balance to which and subtract any payments and/or credits that we apply your paymentto the Advance balance that day. This gives us the daily balance of Advances. Then, your new Purchases we add all the daily balances of Advances for all days in the Billing Cycle together and divide the total by the number of days in the Billing Cycle. This gives us the average daily balance of Advances. To calculate the finance charge for Advances, we multiply the average daily balance of Advances by the Daily Periodic Rate for Advances, and then multiply the product by the number of days in the Billing Cycle. In the event of default, we may be subject to interest. .•MINIMUM CHARGE FOR BILLING PERIOD — For any billing period impose a Default Rate as indicated in which an Interest Charge is imposed on your Account, there is a minimum interest charge of $1.00"Credit Union’s Rights Upon Default" below.