Common use of Recurring Preauthorized Transactions Clause in Contracts

Recurring Preauthorized Transactions. Recurring preauthorized transactions occur when you authorize a merchant to automatically initiate a transaction using your Account on a recurring basis. If we issue a new credit card with a different number or expiration date to you, we may (but are not obligated to) provide your new card number and expiration date to a merchant with whom you have set up a recurring preauthorized transaction in order to continue your recurring preauthorized transactions. There will be circumstances in which you will need to contact the merchant. Interest Interest rates This section provides the interest rates, also referred to as corresponding Annual Percentage Rates (“APRs”), which are applicable to your Account. If a rate is a variable rate, we calculate that APR by adding together an index and a margin. For more information on variable rates, please refer to the “Variable Interest Rates” section of this Agreement below. How Interest Is Calculated We use the following methods to calculate interest on your Account: Cash Advances – Average Daily Balance (including current Cash Advances). The interest charge on Advances begins from the date you obtain the Advance, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period provided for current cycle Advances. Balance Transfers – Average Daily Balance (including current Balance Transfers). The interest charge on Balance Transfers begins from the date you obtain the Balance Transfer, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period provided for current cycle Balance Transfers. Retail/Purchases – Average Daily Balances (excluding current Purchases). To avoid incurring interest on the balance of Purchases reflected on your monthly statement, you must pay the “New Balance” shown on your monthly statements on or before the Payment Due Date. The grace period for the New Balance of Purchases extends to the Payment Due Date. The interest charges for a billing cycle are computed by dividing the Annual Percentage Rate (“APR”) by 12 and applying that periodic rate to the “average daily balance” on your account. To get the average daily balance, we take the beginning balance of your Account each day, add any new Advances and Balance Transfers, and subtract any unpaid interest or other finance charges and payments or credits. We do not add in any new Purchases. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance. The billing cycle is a time period that ends on a “Statement Closing Date” determined by us and begins on the day after the Statement Closing Date of the previous billing cycle. Each monthly statement reflects a single billing cycle. How to avoid paying interest You have a 25-day interest-free period for Purchases provided you have paid your previous balance in full by the Payment Due Date shown on your monthly Account statement. To avoid incurring an additional interest charge on the balance of Purchases reflected in your monthly Account statement, you must pay the “New Balance” shown on your monthly statement on or before the Payment Due Date. The grace period for the New Balance of Purchases extends to the Payment Due Date. There is no interest-free period for transactions that post to your Account as Advances or Balance Transfers except as provided in any Offer Materials for such. Those transactions are subject to interest from the date of the transaction until the date they are paid in full. Variable Interest Rates If any APR is based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime Rate plus the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate decreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall Street Journal on the 10th of each month (or if The Wall Street Journal does not publish on the 10th day of the month, we will use the Prime Rate from the last published day preceding the 10th). If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate. Introductory Interest Rates We may, at our option, offer you introductory interest rates for qualifying transactions. We will tell you in the Offer Materials the introductory rate that will be in effect and any conditions or requirements of such offer. Unless the Offer Materials state otherwise, an introductory rate will remain in effect until the last day of the billing cycle in which the introductory rate expires. Any introductory rate that applies to new or outstanding Account balances will increase to the standard rate that would otherwise apply. Military Lending Act Disclosure The following disclosure applies to persons covered by the Military Lending Act: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). MLA Oral Disclosure Statement Under the Military Lending Act, you have the right to receive certain disclosures orally. You can receive the required Military Lending Act oral disclosures by calling 0-000-000-0000. Account Fees Annual Fee There is no Annual Fee for your Account. Late Payment Fee We may add a Late Payment Fee to your Account if your Minimum Payment Due is not received by the Payment Due Date shown on your monthly Account statement. Returned Payment Fee We may add a Returned Payment Fee to your Account if any payment on the Account is not honored or if we must return it to you because it cannot be processed, even if we elect to re- present the payment and it is paid upon such re-presentment. Documentation Fee We may charge you a Documentation Fee of $2.50 for each copy of a monthly Account statement, sales slip, refund slip, or Advance slip that you request. There will be no charge for documentation requests made in connection with a billing error notice, provided you follow the procedures regarding billing error notices detailed in the “Your Billing Rights” section of this Agreement. Card Replacement Fee We may charge you a Card Replacement Fee of $5.00 each time you request that your Card be replaced prior to the normal reissue date upon expiration of your Card. Rush Card Fee We may charge you a Rush Card Fee of $60.00 if you request expedited delivery of your Card. On-Demand ACH Payment Fee We may charge you an On-Demand ACH Payment Fee of $4.95 if you choose to make a payment on your Account over the phone with the assistance of one of our agents.

Recurring Preauthorized Transactions. Recurring preauthorized transactions occur when you authorize a merchant to automatically initiate a transaction using your Account on a recurring basis. If we issue a new credit card Card with a different number or expiration date to you, we may (but are not obligated to) provide your new card number and expiration date to a merchant with whom you have set up a recurring preauthorized transaction in order to continue your recurring preauthorized transactions. By signing this Agreement, you authorize us to provide your new card number and expiration date to such merchants. Synovus updates the merchants through Visa using the Visa Account Updater Service. Merchants use the Visa Account Updater Service which allows them to automatically receive new credit card number and expiration date associated with your Account, however, not all merchants subscribe to this service. There will be circumstances in which where you will need instead have to contact the merchantmerchant to provide updated card information. Interest Interest rates This section provides Synovus shall not be responsible for any failed recurring preauthorized transactions with merchants after a new Cardis provided, so be sure to confirm your card information with merchants with which you have recurring preauthorized transactions set up. Your Credit Limit: Your Credit Limit and Cash Advance Limit are disclosed to you when you receive your Card and, generally, on each monthly statement. The Credit Limit is the interest rates, also referred to as corresponding Annual Percentage Rates (“APRs”), which are applicable to total amount of credit available for your Account. If ; however, only a rate portion of that is a variable rate, we calculate that APR by adding together an index and a margin. For more information on variable rates, please refer to the “Variable Interest Rates” section of this Agreement below. How Interest Is Calculated We use the following methods to calculate interest on your Account: Cash Advances – Average Daily Balance (including current available for Cash Advances). The interest charge on Advances begins from Cash Advance Limit is the date amount you obtain the Advance, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period provided have available for current cycle Cash Advances. Balance Transfers – Average Daily Balance (The amount of credit available under the Cash Advance Limit will never exceed the total amount of credit available under the Credit Limit. We may change your Credit Limit from time to time and will notify you accordingly. We base that decision on a variety of factors such as your payment and transaction history with us, and information we receive from third parties, including current Balance Transfers)credit reporting agencies. The interest charge on Balance Transfers begins from the date you obtain the Balance Transfer, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period provided for current cycle Balance Transfers. Retail/Purchases – Average Daily Balances (excluding current Purchases). To avoid incurring interest on the balance of Purchases reflected on your monthly statement, you must pay the “New Balance” shown on your monthly statements on or before the Payment Due Date. The grace period for the New Balance of Purchases extends to the Payment Due Date. The interest charges for a billing cycle are computed by dividing the Annual Percentage Rate (“APR”) by 12 and applying that periodic rate to the “average daily balance” on your account. To get the average daily balance, we take the beginning balance of your Account each day, add any new Advances and Balance Transfers, and subtract any unpaid interest or other finance charges and payments or credits. We do not add in any new Purchases. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance. The billing cycle is a time period that ends on a “Statement Closing Date” determined by us and begins on the day after the Statement Closing Date of the previous billing cycle. Each monthly statement reflects a single billing cycle. How to avoid paying interest You have a 25-day interest-free period for Purchases provided you have paid your previous balance in full by the Payment Due Date shown on your monthly Account statement. To avoid incurring an additional interest charge on the balance of Purchases reflected in your monthly Account statement, you must pay the “New Balance” amounts shown on your monthly statement on as available credit do not take into account Purchases, Balance Transfers, Cash Advances, interest and other Finance Charges or before the Payment Due Date. The grace period for the New Balance of Purchases extends to the Payment Due Date. There is no interest-free period for transactions that fees, any other transactions, or credits which post to your Account as Advances or Balance Transfers except as provided after the Closing Date of that monthly statement. We may delay increasing your available credit for up to ten (10) days after you make a payment. Your Credit Limit (and balances in any Offer Materials for such. Those transactions are subject to interest from the date excess of the transaction until the date they are paid in full. Variable Interest Rates If any APR is your Credit Limit) may be treated differently based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime Rate plus the additional amount shown abovetype of Account you have. If the Prime Rate increasesyou are not sure which type of Account you have, it will cause the APR to increase. If the Prime Rate decreasesplease look at your Card, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall Street Journal on the 10th of each month review your Card Carrier, or call us at 1-888- SYNOVUS (or if The Wall Street Journal does not publish on the 10th day of the month, we will use the Prime Rate from the last published day preceding the 10th796-6887). If You may not use your Account in any way that would exceed your Credit Limit. However, in certain circumstances, Purchases, Cash Advances or other transactions using your Card or Account may be approved even if they will result in your balance exceeding your Credit Limit. In the Prime Rate causes an APR to changeevent that you do use your Card or Account in a manner that results in your balance exceeding your Credit Limit, we put you are liable for and must repay the new APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate. Introductory Interest Rates We may, at our option, offer you introductory interest rates for qualifying transactions. We will tell you in the Offer Materials the introductory rate that will be in effect and any conditions or requirements of such offer. Unless the Offer Materials state otherwise, an introductory rate will remain in effect until the last day of the billing cycle in which the introductory rate expires. Any introductory rate that applies to new or outstanding Account balances will increase excess amount according to the standard rate that would otherwise apply. Military Lending Act Disclosure The following disclosure applies to persons covered by the Military Lending Act: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). MLA Oral Disclosure Statement Under the Military Lending Act, you have the right to receive certain disclosures orally. You can receive the required Military Lending Act oral disclosures by calling 0-000-000-0000. Account Fees Annual Fee There is no Annual Fee for your Account. Late Payment Fee We may add a Late Payment Fee to your Account if your Minimum Payment Due is not received by the Payment Due Date shown on your monthly Account statement. Returned Payment Fee We may add a Returned Payment Fee to your Account if any payment on the Account is not honored or if we must return it to you because it cannot be processed, even if we elect to re- present the payment and it is paid upon such re-presentment. Documentation Fee We may charge you a Documentation Fee of $2.50 for each copy of a monthly Account statement, sales slip, refund slip, or Advance slip that you request. There will be no charge for documentation requests made in connection with a billing error notice, provided you follow the procedures regarding billing error notices detailed in the “Your Billing Rights” section terms of this Agreement. Card Replacement Fee We may charge you a Card Replacement Fee of $5.00 each time you request that your Card be replaced prior to the normal reissue date upon expiration of your Card. Rush Card Fee We may charge you a Rush Card Fee of $60.00 if you request expedited delivery of your Card. On-Demand ACH Payment Fee We may charge you an On-Demand ACH Payment Fee of $4.95 if you choose to make a payment on your Account over the phone with the assistance of one of our agents.

Recurring Preauthorized Transactions. Recurring preauthorized transactions occur when you authorize a merchant to automatically initiate a transaction using your Account on a recurring basis. If we issue a new credit card with a different number or expiration date to you, we may (but are not obligated to) provide your new card number and expiration date to a merchant with whom you have set up a recurring preauthorized transaction in order to continue your recurring preauthorized transactions. There will be circumstances in which you will need to contact the merchant. Interest Interest rates This section provides the interest rates, also referred to as corresponding Annual Percentage Rates (“APRs”), which are applicable to your Account. If a rate is a variable rate, we calculate that APR by adding together an index and a margin. For more information on variable rates, please refer to the “Variable Interest Rates” section of this Agreement below. How Interest Is Calculated We use the following methods to calculate interest on your Account: Cash Advances – Average Daily Balance (including current Cash Advances). The interest charge on Advances begins from the date you obtain the Advance, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period provided for current cycle Advances. Balance Transfers – Average Daily Balance (including current Balance Transfers). The interest charge on Balance Transfers begins from the date you obtain the Balance Transfer, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period provided for current cycle Balance Transfers. Retail/Purchases – Average Daily Balances (excluding current Purchases). To avoid incurring interest on the balance of Purchases reflected on your monthly statement, you must pay the “New Balance” shown on your monthly statements on or before the Payment Due Date. The grace period for the New Balance of Purchases extends to the Payment Due Date. The interest charges for a billing cycle are computed by dividing the Annual Percentage Rate (“APR”) by 12 and applying that periodic rate to the “average daily balance” on your account. To get the average daily balance, we take the beginning balance of your Account each day, add any new Advances and Balance Transfers, and subtract any unpaid interest or other finance charges and payments or credits. We do not add in any new Purchases. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance. The billing cycle is a time period that ends on a “Statement Closing Date” determined by us and begins on the day after the Statement Closing Date of the previous billing cycle. Each monthly statement reflects a single billing cycle. How to avoid paying interest You have a 25-day interest-free period for Purchases provided you have paid your previous balance in full by the Payment Due Date shown on your monthly Account statement. To avoid incurring an additional interest charge on the balance of Purchases reflected in your monthly Account statement, you must pay the “New Balance” shown on your monthly statement on or before the Payment Due Date. The grace period for the New Balance of Purchases extends to the Payment Due Date. There is no interest-free period for transactions that post to your Account as Advances or Balance Transfers except as provided in any Offer Materials for such. Those transactions are subject to interest from the date of the transaction until the date they are paid in full. Variable Interest Rates If any APR is based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime Rate plus the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate decreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall Street Journal on the 10th of each month (or if The Wall Street Journal does not publish on the 10th day of the month, we will use the Prime Rate from the last published day preceding the 10th). If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate. Introductory Interest Rates We may, at our option, offer you introductory interest rates for qualifying transactions. We will tell you in the Offer Materials the introductory rate that will be in effect and any conditions or requirements of such offer. Unless the Offer Materials state otherwise, an introductory rate will remain in effect until the last day of the billing cycle in which the introductory rate expires. Any introductory rate that applies to new or outstanding Account balances will increase to the standard rate that would otherwise apply. Military Lending Act Disclosure The following disclosure applies to persons covered by the Military Lending Act: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). MLA Oral Disclosure Statement Under the Military Lending Act, you have the right to receive certain disclosures orally. You can receive the required Military Lending Act oral disclosures by calling 0-000-000-0000. Account Fees Annual Fee There is no Annual Fee for your Account. Late Payment Fee We may add a Late Payment Fee to your Account if your Minimum Payment Due is not received by the Payment Due Date shown on your monthly Account statement. Returned Payment Fee We may add a Returned Payment Fee to your Account if any payment on the Account is not honored or if we must return it to you because it cannot be processed, even if we elect to re- present the payment and it is paid upon such re-presentment. Documentation Fee We may charge you a Documentation Fee of $2.50 for each copy of a monthly Account statement, sales slip, refund slip, or Advance slip that you request. There will be no charge for documentation requests made in connection with a billing error notice, provided you follow the procedures regarding billing error notices detailed in the “Your Billing Rights” section of this Agreement. Card Replacement Fee We may charge you a Card Replacement Fee of $5.00 each time you request that your Card be replaced prior to the normal reissue date upon expiration of your Card. Rush Card Fee We may charge you a Rush Card Fee of $60.00 if you request expedited delivery of your Card. On-Demand ACH Payment Fee We may charge you an On-Demand ACH Payment Fee of $4.95 if you choose to make a payment on your Account over the phone with the assistance of one of our agents.Fee

Recurring Preauthorized Transactions. Recurring preauthorized transactions occur when you authorize a merchant to automatically initiate a transaction using your Account on a recurring basis. If we issue a new credit card Card with a different number or expiration date to you, we may (but are not obligated to) provide your new card number and expiration date to a merchant with whom you have set up a recurring preauthorized transaction in order to continue your recurring preauthorized transactions. By signing this Agreement, you authorize us to provide your new card number and expiration date to such merchants. Synovus updates the merchants through Visa using the Visa Account Updater Service. Merchants use the Visa Account Updater Service which allows them to automatically receive new credit card number and expiration date associated with your Account, however, not all merchants subscribe to this service. There will be circumstances in which where you will need instead have to contact the merchantmerchant to provide updated card information. Interest Interest rates This section provides Synovus shall not be responsible for any failed recurring preauthorized transactions with merchants after a new Card is provided, so be sure to confirm your card information with merchants with which you have recurring preauthorized transactions set up. Your Credit Limit: Your Credit Limit and Cash Advance Limit are disclosed to you when you receive your Card and, generally, on each monthly statement. The Credit Limit is the interest rates, also referred to as corresponding Annual Percentage Rates (“APRs”), which are applicable to total amount of credit available for your Account. If ; however, only a rate portion of that is a variable rate, we calculate that APR by adding together an index and a margin. For more information on variable rates, please refer to the “Variable Interest Rates” section of this Agreement below. How Interest Is Calculated We use the following methods to calculate interest on your Account: Cash Advances – Average Daily Balance (including current available for Cash Advances). The interest charge on Advances begins from Cash Advance Limit is the date amount you obtain the Advance, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period provided have available for current cycle Cash Advances. Balance Transfers – Average Daily Balance (The amount of credit available under the Cash Advance Limit will never exceed the total amount of credit available under the Credit Limit. We may change your Credit Limit from time to time and will notify you accordingly. We base that decision on a variety of factors such as your payment and transaction history with us, and information we receive from third parties, including current Balance Transfers)credit reporting agencies. The interest charge on Balance Transfers begins from the date you obtain the Balance Transfer, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period provided for current cycle Balance Transfers. Retail/Purchases – Average Daily Balances (excluding current Purchases). To avoid incurring interest on the balance of Purchases reflected on your monthly statement, you must pay the “New Balance” shown on your monthly statements on or before the Payment Due Date. The grace period for the New Balance of Purchases extends to the Payment Due Date. The interest charges for a billing cycle are computed by dividing the Annual Percentage Rate (“APR”) by 12 and applying that periodic rate to the “average daily balance” on your account. To get the average daily balance, we take the beginning balance of your Account each day, add any new Advances and Balance Transfers, and subtract any unpaid interest or other finance charges and payments or credits. We do not add in any new Purchases. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance. The billing cycle is a time period that ends on a “Statement Closing Date” determined by us and begins on the day after the Statement Closing Date of the previous billing cycle. Each monthly statement reflects a single billing cycle. How to avoid paying interest You have a 25-day interest-free period for Purchases provided you have paid your previous balance in full by the Payment Due Date shown on your monthly Account statement. To avoid incurring an additional interest charge on the balance of Purchases reflected in your monthly Account statement, you must pay the “New Balance” amounts shown on your monthly statement on as available credit do not take into account Purchases, Balance Transfers, Cash Advances, interest and other Finance Charges or before the Payment Due Date. The grace period for the New Balance of Purchases extends to the Payment Due Date. There is no interest-free period for transactions that fees, any other transactions, or credits which post to your Account as Advances or Balance Transfers except as provided after the Closing Date of that monthly statement. We may delay increasing your available credit for up to ten (10) days after you make a payment. Your Credit Limit (and balances in any Offer Materials for such. Those transactions are subject to interest from the date excess of the transaction until the date they are paid in full. Variable Interest Rates If any APR is your Credit Limit) may be treated differently based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime Rate plus the additional amount shown abovetype of Account you have. If the Prime Rate increasesyou are not sure which type of Account you have, it will cause the APR to increase. If the Prime Rate decreasesplease look at your Card, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall Street Journal on the 10th of each month review your Card Carrier, or call us at 1-888- SYNOVUS (or if The Wall Street Journal does not publish on the 10th day of the month, we will use the Prime Rate from the last published day preceding the 10th796-6887). If You may not use your Account in any way that would exceed your Credit Limit. However, in certain circumstances, Purchases, Cash Advances or other transactions using your Card or Account may be approved even if they will result in your balance exceeding your Credit Limit. In the Prime Rate causes an APR to changeevent that you do use your Card or Account in a manner that results in your balance exceeding your Credit Limit, we put you are liable for and must repay the new APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate. Introductory Interest Rates We may, at our option, offer you introductory interest rates for qualifying transactions. We will tell you in the Offer Materials the introductory rate that will be in effect and any conditions or requirements of such offer. Unless the Offer Materials state otherwise, an introductory rate will remain in effect until the last day of the billing cycle in which the introductory rate expires. Any introductory rate that applies to new or outstanding Account balances will increase excess amount according to the standard rate that would otherwise apply. Military Lending Act Disclosure The following disclosure applies to persons covered by the Military Lending Act: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). MLA Oral Disclosure Statement Under the Military Lending Act, you have the right to receive certain disclosures orally. You can receive the required Military Lending Act oral disclosures by calling 0-000-000-0000. Account Fees Annual Fee There is no Annual Fee for your Account. Late Payment Fee We may add a Late Payment Fee to your Account if your Minimum Payment Due is not received by the Payment Due Date shown on your monthly Account statement. Returned Payment Fee We may add a Returned Payment Fee to your Account if any payment on the Account is not honored or if we must return it to you because it cannot be processed, even if we elect to re- present the payment and it is paid upon such re-presentment. Documentation Fee We may charge you a Documentation Fee of $2.50 for each copy of a monthly Account statement, sales slip, refund slip, or Advance slip that you request. There will be no charge for documentation requests made in connection with a billing error notice, provided you follow the procedures regarding billing error notices detailed in the “Your Billing Rights” section terms of this Agreement. Card Replacement Fee We may charge you a Card Replacement Fee of $5.00 each time you request that your Card be replaced prior to the normal reissue date upon expiration of your Card. Rush Card Fee We may charge you a Rush Card Fee of $60.00 if you request expedited delivery of your Card. On-Demand ACH Payment Fee We may charge you an On-Demand ACH Payment Fee of $4.95 if you choose to make a payment on your Account over the phone with the assistance of one of our agents.