Common use of INTEREST RATES AND CALCULATION OF CREDIT CHARGES Clause in Contracts

INTEREST RATES AND CALCULATION OF CREDIT CHARGES. a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on regular purchases appearing on the account statement based on the average daily balance from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the account statement. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 19.90% or 12.90% if the cardholder benefits from the Low Interest Rate option.

INTEREST RATES AND CALCULATION OF CREDIT CHARGES. a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on regular purchases appearing on the account statement based on the average daily balance from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the account statement. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 19.90% or 12.90% if the cardholder benefits from the Low Interest Rate option.10.90%

INTEREST RATES AND CALCULATION OF CREDIT CHARGES. a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on regular purchases appearing on the account statement based on the average daily balance from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the account statement. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 19.90% or 12.90% if the cardholder benefits from the Low Interest Rate option.9.90%

INTEREST RATES AND CALCULATION OF CREDIT CHARGES. a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on regular purchases appearing on the account statement based on the average daily balance from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the account statement. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 19.9019.9% or 12.9012.9% if the cardholder benefits from the Low Interest Rate option.

INTEREST RATES AND CALCULATION OF CREDIT CHARGES. a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on regular purchases appearing on the account statement based on the average daily balance from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the account statement. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 19.90% or 12.90% if the cardholder benefits from the Low Interest Rate option.11.90%

INTEREST RATES AND CALCULATION OF CREDIT CHARGES. a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on regular purchases appearing on the account statement based on the average daily balance from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the account statement. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 19.90% or 12.90% if the cardholder benefits from the Low Interest Rate option.10.9%

INTEREST RATES AND CALCULATION OF CREDIT CHARGES. a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on regular purchases appearing on the account statement based on the average daily balance from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the account statement. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 19.90% or 12.90% if the cardholder benefits from the Low Interest Rate option.%

INTEREST RATES AND CALCULATION OF CREDIT CHARGES. a) Regular purchases: credit Credit charges shall not apply to regular purchases appearing on the statement of account statement provided that the statement’s total balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on the regular purchases appearing on the account statement shall be subject to credit charges in US dollars based on the average daily balance from the date of each purchase until the purchases are have been paid in full, at the annual interest rate in effect for during the period covered by the account statementstatement of account. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 19.90% or 12.90% if the cardholder benefits from the Low Interest Rate option.

INTEREST RATES AND CALCULATION OF CREDIT CHARGES. a) Regular purchases: credit charges shall not apply to regular purchases appearing on the account statement provided that the balance of all indebtedness and accrued credit charges is paid in full by the due date shown on the account statement. Otherwise, credit charges are charged on regular purchases appearing on the account statement based on the average daily balance from the date of each purchase until the purchases are paid in full, at the annual interest rate in effect for the period covered by the account statement. However, if the total balance outstanding indicated on a subsequent account statement is paid in full by the due date shown, purchases not yet paid shall be exempt from credit charges for the period for which full payment has been made. Annual interest rate: 19.90% or 12.90% if the cardholder benefits from the Low Interest Rate option.9.9%