Common use of LIABILITY FOR UNAUTHORIZED USE Clause in Contracts

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.99%. This 19.99%.This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99%. This 19.99%.This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9921.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9921.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Foreign Transaction Fee: For foreign charges converted by American Express, the foreign transaction fee of 3% (identified in the table) will be added to the converted amount, 1% of which will be retained by American Express. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe in The Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 17.99% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9913.99% to 22.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9913.99% to 22.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2421.49% to25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 10.74% to 19.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.993.25% to 28.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.993.25% to 28.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 19.99% to 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $20-$149 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 0.00% to 24.99% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9920.24% to 20.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9920.24% to 20.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2426.74%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 39 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe in The Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 to the Index (Prime Rate).15.49% to

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9924.49% to 29.74%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9924.49% to 29.74%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2429.74% to 30.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 15.99% to 21.24% to the Index (Prime Rate). APR for Cash Advances: To determine the variable APR for cash advances, we add a margin of 21.24% to 21.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9913.99% to 21.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9913.99% to 21.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2421.49% to25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 10.74% to 18.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.99%. This 22.24%.This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99%. This 22.24%.This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2427.49%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9912.99% to 20.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9912.99% to 20.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2426.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 37 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Foreign Transaction Fee: For foreign charges converted by American Express, the foreign transaction fee of 3% (identified in the table) will be added to the converted amount, 1% of which will be retained by American Express. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe in The Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 8.74% to 16.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.99%. This 20.24% to 30.24%.This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99%. This 20.24% to 30.24%.This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2426.74% to 30.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 11.74% to 21.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9925.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9925.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2429.74%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 16.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9923.74% to 28.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9923.74% to 28.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2429.74% to 30.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 15.99% to 21.24% to the Index (Prime Rate). APR for Cash Advances: To determine the variable APR for cash advances, we add a margin of 21.99% to 22.49% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $5050.00. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9916.99% to 24.99% (Index plus margin of 13.74% to 21.99%. This APR will vary with the market based on the Prime Rate. ) APR for Balance Transfers 19.9916.99% to 24.99%(Index plus margin of 13.74% to 21.99%. This APR will vary with the market based on the Prime Rate. ) APR for Cash Advances 25.24% (Index plus margin of 21.99%. This APR will vary with the market based on the Prime Rate. ) Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee None or $35 ● Monthly Fee None 19-$45 Transaction Fees ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $37 Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement. This disclosure together with the Rates and Terms Schedule and accompanying Cardmember Agreement, govern your credit card account with us and are referred to collectively as the "Agreement". Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe in The Wall Street Journal in May. APR for Purchases and Balance TransfersStop Payment Fee: To determine the variable APR for purchases and balance transfers, we add $35 Sales Draft Copy Fee: $5 Copy of a margin of 16.74 to the Index (Prime Rate).Statement Fee: $3

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9918.99% to 24.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9918.99% to 24.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $39 or $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 15.74% to 20.99% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9918.99% to 24.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9918.99% to 24.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 15.74% to 20.99% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.49% to 19.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99%. This 19.49% to 19.99%.This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $39 or $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 to the Index (Prime Rate).16.24% to

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9913.24% to 22.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9913.24% to 22.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 to the Index (Prime Rate).9.99% to

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9922.99% to 27.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9922.99% to 27.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2428.99% to 30.74%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 15.99% to 20.99% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9923.74%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9923.74%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2428.99%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.99%. 20.74% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99%. 20.74% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.24%. 27.24% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 39 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe in The Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 15.49% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9918.99% to 24.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9918.99% to 24.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2426.74%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 39 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 14.24% to 19.49% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.998.50% to 28.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.998.50% to 28.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 22.49% to 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $20-$70 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $39 or $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 5.25% to 24.99% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.99%. This 20.24% to 30.24%.This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99%. This 20.24% to 30.24%.This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2426.74% to 30.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee None or $35 99 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 11.74% to 21.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.99%. 22.74% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9922.74%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2426.99%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 39 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe in The Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 17.49% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9919.24% to 24.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9919.24% to 24.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 15.99% to 20.99% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9922.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9922.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2427.49%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 01-000-800- 000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $5050.00. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 18.99% to 19.99% (index plus margin of 15.74% to 16.74%. This APR will vary with the market based on the Prime Rate. ) APR for Balance Transfers 18.99% to 19.99% (index plus margin of 15.74% to 16.74%. This APR will vary with the market based on the Prime Rate. ) APR for Cash Advances 25.24% (Index plus margin of 21.99%. This APR will vary with the market based on the Prime Rate. ) Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 ● Monthly Fee None 25 - $29 Transaction Fees ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars dollars. Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement. Foreign Transaction Fee: For foreign charges converted by American Express, the foreign transaction fee of 3% (identified in the table) will be added to the converted amount, 1% of which will be retained by American Express. This disclosure together with the Rates and Terms Schedule and accompanying Cardmember Agreement, govern your credit card account with us and are referred to collectively as the "Agreement". Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe in The Wall Street Journal in May. APR for Purchases and Balance TransfersStop Payment Fee: To determine the variable APR for purchases and balance transfers, we add $35 Sales Draft Copy Fee: $5 Copy of a margin of 16.74 to the Index (Prime Rate).Statement Fee: $3

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.998.50% to 29.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.998.50% to 29.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2419.24% to 26.74%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $20-$70 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 39 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 3.75% to 24.49% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.99%. This 24.99%.This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99%. This 24.99%.This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2430.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 16.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9918.49% to 24.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9918.49% to 24.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2426.74%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 39 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 13.74% to 19.49% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9913.99% to 26.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9913.99% to 26.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2421.49% to25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 10.74% to 23.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.99%. This 20.74%.This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99%. This 20.74%.This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2425.99%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9918.49% to 27.49%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9918.49% to 27.49%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.24%. This 25.99% to 30.49%.This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 10.74% to 19.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.998.50%to27.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.998.50% to27.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 19.99% to 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $20-$149 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9921.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9921.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2426.74%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 39 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Foreign Transaction Fee: For foreign charges converted by American Express, the foreign transaction fee of 3% (identified in the table) will be added to the converted amount, 1% of which will be retained by American Express. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe in The Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 16.49% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 01-000-800- 000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $5050.00. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.99% to 19.99% (Index plus margin of 10.74% to 16.74%. ) APR for Balance Transfers 13.99% to 19.99% (Index plus margin of 10.74% to 16.74%) APR for Cash Advances 25.24% (Index plus margin of 21.99%) APR for Overdraft Advances 13.99% to 19.99% (Index plus margin of 10.74% to 16.74%) Penalty APR and When it Applies 15.99% to 29.99% (Index plus margin of 12.74% to 26.74%) This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99%. This APR will vary with may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the market based on the Prime Rate. APR for Cash Advances 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Apply?: If your APRs are increased for any of these reasons, the Penalty APRs may apply indefinitely. Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and overdraft advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee None or $35 ● Monthly Fee None 0 introductory fee for the first year. After that $99. Transaction Fees ● Balance Transfer ● Cash Advance Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance greater. Either $15 or 5% of the amount of each cash advance, whichever is greater greater. ● Cash Equivalent ● Overdraft Advance ● Foreign Transaction Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction greater. $10 for each day an Overdraft Advance is paid None or 3% of each transaction in U.S. dollars dollars. Penalty Fees ● Late Payment Up to $40 35 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchasesDishonored)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9910.99%to27.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9910.99% to27.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 19.99% to 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $20-$149 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 7.74% to 24.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.99% to 24.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99% to 24.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2425.99%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 15.99% to 20.99% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9922.24% to 27.74%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9922.24% to 27.74%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2422.24% to 27.74%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 18.24% to 23.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9924.24% to 29.49%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9924.24% to 29.49%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2430.24% to 30.74%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 15.99% to 21.24% to the Index (Prime Rate). APR for Cash Advances: To determine the variable APR for cash advances, we add a margin of 21.99% to 22.49% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9916.24% to 29.24%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9916.24% to 29.24%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2423.74% to 29.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 None ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 10.74% to 23.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9924.49%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9924.49%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2429.74%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 16.74% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $5050.00. RATES AND TERMS SCHEDULE ‌ Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9913.99% to 18.99% (Index plus margin of 10.74% to 15.74%. ) APR for Balance Transfers 13.99% to 18.99% (Index plus margin of 10.74% to 15.74%) APR for Cash Advances 25.24% (Index plus margin of 21.99%) Penalty APR and When it Applies 15.99% to 29.99% (Index plus margin of 12.74% to 26.74%) This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99%. This APR will vary may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APRs may apply to future transactions indefinitely. If we do not receive a minimum payment within 60 days of its due date, the Penalty APRs may apply to future transactions and all outstanding balances indefinitely unless 6 consecutive minimum payments are made when due starting with the market based on first payment due following the Prime Rateeffective date of the increase. APR for Cash Advances 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau Federal Reserve Board at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmorexxxx://xxx.xxxxxxxxxxxxxx.xxx/creditcard. Fees Set-up and Maintenance Fees ● Annual Additional/Replacement Card Fee $35 ● Monthly Fee None 10 Transaction Fees ● Balance Transfer Either $10 or 4% to 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars dollars. Penalty Fees ● Late Payment Up to $40 35 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.9921.49% to 26.49%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.9921.49% to26.49%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.2427.49%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $19-$35 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 15.99% to 20.99% to the Index (Prime Rate).

LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.998.50%to27.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.998.50% to27.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 19.99% to 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees None or $20-$149 None ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction None or 3% of each transaction in U.S. dollars ● Balance Transfer ● Cash Advance ● Cash Equivalent ● Foreign Transaction Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published inThe Wall Street Journal in May. APR for Purchases and Balance Transfers: To determine the variable APR for purchases and balance transfers, we add a margin of 16.74 5.25% to 24.74% to the Index (Prime Rate).