Common use of SPECIAL INTEREST TERMS Clause in Contracts

SPECIAL INTEREST TERMS. A Sales Slip may indicate that one or more of the following special interest terms applies. Except for No Interest balances, we will use the same method to calculate interest as described above in How We Calculate Interest—Average Daily Balance Method (Including New Purchases). • No Interest. This means there is no interest charge on the purchase balance until the end of the special terms period. You may avoid interest on the balance by paying it in full before the end of the special terms period. • No Interest if Paid in Full. This means we calculate interest on the purchase balance. This amount is called the deferred interest charge. The deferred interest charge will not be added to the balance unless you do not pay the balance in full by the end of the special terms period. You may avoid interest on the balance by paying it in full before the end of the special terms period. The following No Interest if Paid in Full special terms promotion may be offered to you: If the purchase balance is not paid in full within the special terms period, interest will be charged to your Account from the purchase date at a rate of 28.99%. This special terms promotion may be offered for periods of 6-18 months. This special terms promotion will be identified on your statement as “NO INT IF PD IN FULL.” The Special Terms End Date will disclose the duration of the special terms. No Interest if Paid in Full with monthly payments • Special Rate. This means the APR shown on the Sales Slip will be used to figure interest on the purchase balance. A special rate of 0% APR may be advertised as a“no interest” special terms promotion.

SPECIAL INTEREST TERMS. A Sales Slip may indicate that one or more of the following special interest terms applies. Except for No Interest balances, we will use the same method to calculate interest as described above in How We Calculate Interest—Average Daily Balance Method (Including New Purchases). • No Interest. This means there is no interest charge on the purchase balance until the end of the special terms period. You may avoid interest on the balance by paying it in full before the end of the special terms period. • No Interest if Paid in Full. This means we calculate interest on the purchase balance. This amount is called the deferred interest charge. The deferred interest charge will not be added to the balance unless you do not pay the balance in full by the end of the special terms period. You may avoid interest on the balance by paying it in full before the end of the special terms period. The following No Interest if Paid in Full special terms promotion may be offered to you: No Interest if Paid in Full with monthly payments If the purchase balance is not paid in full within the special terms period, interest will be charged to your Account from the purchase date at a rate of 28.99%. This special terms promotion may be offered for periods of 6-18 months. This special terms promotion will be identified on your statement as “NO INT IF PD IN FULL.” The Special Terms End Date will disclose the duration of the special terms. No Interest if Paid in Full with monthly payments • Special Rate. This means the APR shown on the Sales Slip will be used to figure interest on the purchase balance. A special rate of 0% APR may be advertised as a“no interest” special terms promotion.

SPECIAL INTEREST TERMS. A Sales Slip may indicate that one or more of the following special interest terms applies. Except for No Interest balances, we will use the same method to calculate interest as described above in How We Calculate Interest—Average Daily Balance Method (Including New Purchases). • No Interest. This means there is no interest charge on the purchase balance until the end of the special terms period. You may avoid interest on the balance by paying it in full before the end of the special terms period. • No Interest if Paid in Full. This means we calculate interest on the purchase balance. This amount is called the deferred interest charge. The deferred interest charge will not be added to the balance unless you do not pay the balance in full by the end of the special terms period. You may avoid interest on the balance by paying it in full before the end of the special terms period. The following No Interest if Paid in Full special terms promotion may be offered to you: If the purchase balance is not paid in full within the special terms period, interest will be charged to your Account from the purchase date at a rate of 28.99%. This special terms promotion may be offered for periods of 6-18 months. This special terms promotion will be identified on your statement as “NO INT IF PD IN FULL.” The Special Terms End Date will disclose the duration of the special terms. No Interest if Paid in Full with monthly payments • Special Rate. This means the APR shown on the Sales Slip will be used to figure interest on the purchase balance. A special rate of 0% APR may be advertised as a“no a “no interest” special terms promotion.

SPECIAL INTEREST TERMS. A Sales Slip may indicate that one or more of the following special interest terms applies. Except for No Interest balances, we will use the same method to calculate interest as described above in How We Calculate Interest—Average Daily Balance Method (Including New Purchases). • No Interest. This means there is no interest charge on the purchase balance until the end of the special terms period. You may avoid interest on the balance by paying it in full before the end of the special terms period. • No Interest if Paid in Full. This means we calculate interest on the purchase balance. This amount is called the deferred interest charge. The deferred interest charge will not be added to the balance unless you do not pay the balance in full by the end of the special terms period. You may avoid interest on the balance by paying it in full before the end of the special terms period. The following No Interest if Paid in Full special terms promotion may be offered to you: No Interest if Paid in Full with monthly payments If the purchase balance is not paid in full within the special terms period, interest will be charged to your Account from the purchase date at a rate of 28.9912.99%. This special terms promotion may be offered for periods of 6-18 months. This special terms promotion will be identified on your statement as “NO INT IF PD IN FULL.” The Special Terms End Date will disclose the duration of the special terms. No Interest if Paid in Full with monthly payments • Special Rate. This means the APR shown on the Sales Slip will be used to figure interest on the purchase balance. A special rate of 0% APR may be advertised as a“no interest” special terms promotion.

SPECIAL INTEREST TERMS. A Sales Slip may indicate that one or more of the following special interest terms applies. Except for No Interest balances, we will use the same method to calculate interest as described above in How We Calculate Interest—Average Daily Balance Method (Including New Purchases). • No Interest. This means there is no interest charge on the purchase balance until the end of the special terms period. You may avoid interest on the balance by paying it in full before the end of the special terms period. • No Interest if Paid in Full. This means we calculate interest on the purchase balance. This amount is called the deferred interest charge. The deferred interest charge will not be added to the balance unless you do not pay the balance in full by the end of the special terms period. You may avoid interest on the balance by paying it in full before the end of the special terms period. The following No Interest if Paid in Full special terms promotion may be offered to you: No Interest If the purchase balance is not paid in full within the special terms if Paid in period, interest will be charged to your Account from the purchase Full with date at a rate of 28.9912.99%. This special terms promotion may be offered monthly for periods of 6-18 months. This special terms promotion will be payments identified on your statement as “NO INT IF PD IN FULL.” The Special Terms End Date will disclose the duration of the special terms. No Interest if Paid in Full with monthly payments • Special Rate. This means the APR shown on the Sales Slip will be used to figure interest on the purchase balance. A special rate of 0% APR may be advertised as a“no interest” special terms promotion.