Common use of INTEREST RATES AND INTEREST CHARGES Clause in Contracts

INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 0%Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between 11.24% to 18% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between11.24%to 18% based on your creditworthiness when you open your Account. APR for Cash Advances This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 18% APR for Cash Advances

INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 0%Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between 11.24% to 18% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between11.24%to between11.24 %to 18% based on your creditworthiness when you open your Account. APR for Cash Advances This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 18% APR for Cash Advances

INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 0%Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between 11.2416.24% to 1818.00% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 0% Introductory 0%Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between11.24%to 18between 16.24% to 18.00% based on your creditworthiness when you open your Account. APR for Cash Advances This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 18% APR for Cash Advances

INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 0%Introductory APR 0%IntroductoryAPR for the first 12 first12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between 11.2412.99% to 18% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between11.24%to 18% based xxxxxxx00.99%to18%based on your creditworthiness when you open your Account. APR for Cash Advances This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 18% APR for Cash Advances

INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 0%Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between 11.24% to 18% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section publishedin“MoneyRates” section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between11.24%to 18between 15.99% to 18.00% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates” section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between15.99%to18.00% based on your creditworthiness when you open your Account. APR for Cash Advances This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section publishedin“MoneyRates” section of the Wall Street Journal. 18% APR for Cash Advances

INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section publishedin“Money Rates”section of the Wall Street Journal. 0%Introductory 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between 11.2410.99% to 18% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section publishedin“Money Rates”section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccountopening ofyourAccount. After that, your APR will be variable between11.24%to 18between10.99%to18% based on your creditworthiness when you open your Account. APR for Cash Advances This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section publishedin“Money Rates”section of the Wall Street Journal. 18% APR for Cash Advances

INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section publishedin“Money Rates”section of the Wall Street Journal. 0%Introductory 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between 11.2410.99% to 18% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section publishedin“Money Rates”section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccountopening ofyourAccount. After that, your APR will be variable between11.24%to between10.99%to 18% based on your creditworthiness when you open your Account. APR for Cash Advances This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section publishedin“Money Rates”section of the Wall Street Journal. 18% APR for Cash Advances

INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section of the Wall Street Journal. 0%Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between 11.24% to 18% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section publishedin“MoneyRates” section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between11.24%to 18between 15.99% to 18.00% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate published in“Money Rates”section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between15.99 %to 18.00% based on your creditworthiness when you open your Account. APR for Cash Advances This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section published in“Money Rates”section of the Wall Street Journal. 18% APR for Cash Advances

INTEREST RATES AND INTEREST CHARGES. Annual Percentage Rate for Purchases This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section publishedin“Money Rates”section of the Wall Street Journal. 0%Introductory 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccount. After that, your APR will be variable between 11.2410.99% to 18% based on your creditworthiness when you open your Account. APR for Balance Transfers This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section publishedin“Money Rates”section of the Wall Street Journal. 0% Introductory APR for the first 12 Statement Closing Dates following the openingofyourAccountopening ofyourAccount. After that, your APR will be variable between11.24%to between10.99 %to 18% based on your creditworthiness when you open your Account. APR for Cash Advances This APR will vary with the market based on the highest Prime Rate publishedin“MoneyRates”section publishedin“Money Rates”section of the Wall Street Journal. 18% APR for Cash Advances