Common use of Variable Rate Clause in Contracts

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases is a fixed promotional rate as shown on page 1 of th is Agreement and will remain in effect for your first six billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily Periodic Rate for Purchases during the Initial Rate Period is 0%. A f te r the Initial Rate Period, the Daily Periodic Rate for based on the Curre n t Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases is . 04 93 %. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich the Change Date occurs. The most recent Index is called th e “Cu rre n t Index.” If the Index is no longer available, we will choose a n e w In d e x based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.50% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 18.00% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493%. The new intere st ra te for Purchases will become effective at the start of your first billin g cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily The Daily Periodic Rate for Purchases during the Initial Rate Period for Balance Transfers is 0.0082%. A f te r After the Initial Rate Period, the Daily Periodic Rate for Balance Transfers based on the Curre n t Current Index and Rate Spread described below will be .0493.0411% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0014.99%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Balance Transfers is .0411%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. 04 93 The Daily Periodic Rate for Purchases is .0411%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. U. S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich which the Change Date occurs. The most recent Index is called th e the “Cu rre n t Current Index.” If the Index is no longer available, we will choose a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.507.00% and the Rate Spread 12.99 percentage points7.99, the ANNUAL PERCENTAGE RATE would be 18.0014.99% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0411%. The new intere st ra te interest rate for Purchases will become effective at the start of your first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases is a fixed promotional rate as shown on page 1 of th is Agreement and will remain in effect for your first six billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily Periodic Rate for Purchases during the Initial Rate Period is 0%. A f te r the Initial Rate Period, the Daily Periodic Rate for based on the Curre n t Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases is . 04 93 %. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich the Change Date occurs. The most recent Index is called th e “Cu rre n t Index.” If the Index is no longer available, we will choose a n e w In d e x based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.507.00% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 18.00% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493%. The new intere st ra te for Purchases will become effective at the start of your first billin g cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se ase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases and transfers of account balances you have with anoth er creditor ("Balance Transfers") is a fixed promotional rate as shown sho wn on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily The Daily Periodic Rate for Purchases during the Initial Rate Period for Purchases and Balance Transfers is 0.0082%. A f After the In it ia l Ra te r the Initial Rate Period, the Daily Periodic Rate for Purchases and Balance Transfers based on the Curre n t Current Index and Rate Spread described below will be .0493.0431% and the corresponding ANNUAL PERCENTAGE RATE RA TE will be 18.0015.74%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases and Balance Transfers will change to the current rate shown on page 1 of this Agreement. The Th e current Daily Periodic Rate for Purchases and Balance Xxxx sfers is . 04 93 %. .0431% The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in MarchMarch , JuneJu n e , September, and December. Each date on which the rate of interest in te re st could change is called a “Change Date.” Changes will be based on b a se d o n changes in the “Index.” The Index is the highest U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich which the Change Date occurs. The most recent Index is called th e “Cu rre n t Current Index.” If the Index is no longer available, we will choose choo se a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on ba se d o n a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 7.99 percentage points. (The Rate Spread is also called ca lle d the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.507.75% and the th e Rate Spread 12.99 7.99 percentage points, the ANNUAL PERCENTAGE PE RCE NTA GE RATE would be 18.0015.74% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0431%. The new intere st ra te interest rate for Purchases will become effective at the start of your o f yo u r first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases and transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily The Daily Periodic Rate for Purchases and Balance Transfers during the Initial Rate Period is 0.0082%. A f te r After the Initial Rate Period, the Daily Periodic Rate for Purchases and Balance Transfers based on the Curre n t th e Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases and Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is . 04 93 .0493%. The Daily Periodic Rate Ra te and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles billin g cycle s that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior prio r to the month in wh ich which the Change Date occurs. The most recent Index is called th e the “Cu rre n t Current Index.” If the Index is no longer available, we will choose a n e w In d e x new Index based upon comparable information and will give g ive you notice of our choice. Your interest rate for Purchases is based on o n a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.507.00% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 18.00% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493%. The new intere st ra te for Purchases will become effective at the start of your first billin g cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases transfers of account balances you have with another creditor ("Bala n ce Transfers") is a fixed promotional rate as shown on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily Periodic Rate for Purchases during the Initial Rate Period for Balance Transfers is 0.0082%. A f te r After the Initial Rate Period, the Daily Periodic Rate for Balance Transfers based on the Curre n t Current Index and Rate Spread described below will be .0493.0431% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0015.74%. After the Initial Rate Period, the th e ANNUAL PERCENTAGE RATE for Purchases Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Balance Transfers is .0431%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. 04 93 The Daily Periodic Rate for Purchases is .0431%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. U. S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business b u sin e ss day of the calendar month prior to the month in wh ich which the Change Date Da te occurs. The most recent Index is called th e the “Cu rre n t Current Index.” If the Index In d e x is no longer available, we will choose a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum su m of the Current Index plus a “Rate Spread” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by Purch a se s b y adding the Rate Spread to the Current Index. For example, if the Current Index was 5.507.75% and the Rate Spread 12.99 percentage points7.99, the ANNUAL PERCENTAGE RATE would be 18.0015.74% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0431%. The Th e new intere st ra te interest rate for Purchases will become effective at the start of your you r first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of o f any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases and transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily The Daily Periodic Rate for Purchases during the Initial Rate Period for Purchases and Balance Transfers is 0.0082%. A f te r After the Initial Rate Period, the Daily Periodic Rate for Purchases and Balance Transfers based on the Curre n t Current Index and Rate Spread described below will be .0493.0452% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0016.49%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases and Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is . 04 93 %. .0452% The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich which the Change Date occurs. The most recent Index is called th e the “Cu rre n t Current Index.” If the Index is no longer available, we will choose a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.508.50% and the Rate Spread 12.99 7.99 percentage points, the ANNUAL PERCENTAGE RATE would be 18.0016.49% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0452%. The new intere st ra te interest rate for Purchases will become effective at the start of your first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily The Daily Periodic Rate for Purchases during the Initial Rate Period for Balance Transfers is 0.0082%. A f te r After the Initial Rate Period, the Daily Periodic Rate for Balance Transfers based on the Curre n t Current Index and Rate Spread described below will be .0493.0452% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0016.49%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Balance Transfers is .0452%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. 04 93 The Daily Periodic Rate for Purchases is .0452%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. U. S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich which the Change Date occurs. The most recent Index is called th e the “Cu rre n t Current Index.” If the Index is no longer available, we will choose a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.508.50% and the Rate Spread 12.99 percentage points7.99, the ANNUAL PERCENTAGE RATE would be 18.0016.49% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0452%. The new intere st ra te interest rate for Purchases will become effective at the start of your first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily The Daily Periodic Rate for Purchases Balance Transfers during the Initial Rate Period is 0.0082%. A f te r After the Initial Rate Period, the Daily Periodic Rate for Balance Transfers based on the Curre n t Current Index and Rate Spread described below will be .0493.0452% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0016.49%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Balance Transfers is .0452%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. 04 93 The Daily Periodic Rate for Purchases is .0452%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. U. S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich which the Change Date occurs. The most recent Index is called th e the “Cu rre n t Current Index.” If the Index is no longer available, we will choose a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.503.50% and the Rate Spread 12.99 percentage points12.99, the ANNUAL PERCENTAGE RATE would be 18.0016.49% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0452%. The new intere st ra te interest rate for Purchases will become effective at the start of your first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases and transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily The Daily Periodic Rate for Purchases during the Initial Rate Period for Purchases and Balance Transfers is 0.0082%. A f te r After the Initial Rate Period, the Daily Periodic Rate for Purchases and Balance Transfers based on the Curre n t Current Index and Rate Spread described below will be .0493.0308% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0011.24%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases and Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is . 04 93 %. .0308% The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich which the Change Date occurs. The most recent Index is called th e the “Cu rre n t Current Index.” If the Index is no longer available, we will choose a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.503.25% and the Rate Spread 12.99 7.99 percentage points, the ANNUAL PERCENTAGE RATE would be 18.0011.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0308%. The new intere st ra te interest rate for Purchases will become effective at the start of your first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily The Daily Periodic Rate for Purchases Balance Transfers during the Initial Rate Period is 0.0082%. A f te r After the Initial Rate Period, the Daily Periodic Rate for Balance Transfers based on the Curre n t Current Index and Rate Spread described below will be .0493.0452% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0016.49%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Balance Transfers is .0452%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. 04 93 The Daily Periodic Rate for Purchases is .0452%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. U. S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich which the Change Date occurs. The most recent Index is called th e the “Cu rre n t Current Index.” If the Index is no longer available, we will choose a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.508.50% and the Rate Spread 12.99 percentage points7.99, the ANNUAL PERCENTAGE RATE would be 18.0016.49% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0452%. The new intere st ra te interest rate for Purchases will become effective at the start of your first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases and transfers of account balances you have with anoth er creditor ("Balance Transfers") is a fixed promotional rate as shown sho wn on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily The Daily Periodic Rate for Purchases during the Initial Rate Period for Purchases and Balance Transfers is 0.0082%. A f After the In it ia l Ra te r the Initial Rate Period, the Daily Periodic Rate for Purchases and Balance Transfers based on the Curre n t Current Index and Rate Spread described below will be .0493.0431% and the corresponding ANNUAL PERCENTAGE RATE RA TE will be 18.0015.74%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases and Balance Transfers will change to the current rate shown on page 1 of this Agreement. The Th e current Daily Periodic Rate for Purchases and Balance Xxxx sfers is . 04 93 %. .0431% The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in MarchMarch , JuneJu n e , September, and December. Each date on which the rate of interest in te re st could change is called a “Change Date.” Changes will be based on b a se d o n changes in the “Index.” The Index is the highest U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich which the Change Date occurs. The most recent Index is called th e calle d t he “Cu rre n t Current Index.” If the Index is no longer available, we will choose choo se a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a ba se x x x x variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 7.99 percentage points. (The Rate Spread is also called ca lle d the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.507.75% and the th e Rate Spread 12.99 7.99 percentage points, the ANNUAL PERCENTAGE PE RCE NTA GE RATE would be 18.0015.74% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0431%. The new intere st ra te interest rate for Purchases will become effective at the start of your o f yo u r first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases and transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily The Daily Periodic Rate for Purchases during the Initial Rate Period for Purchases and Balance Transfers is 0.0082%. A f te r After the Initial Rate Period, the Daily Periodic Rate for Purchases and Balance Transfers based on the Curre n t Current Index and Rate Spread described below will be .0493.0445% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0016.24%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases and Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is . 04 93 %. .0445% The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich which the Change Date occurs. The most recent Index is called th e the “Cu rre n t Current Index.” If the Index is no longer available, we will choose a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.508.25% and the Rate Spread 12.99 7.99 percentage points, the ANNUAL PERCENTAGE RATE would be 18.0016.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0445%. The new intere st ra te interest rate for Purchases will become effective at the start of your first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases and transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily The Daily Periodic Rate for Purchases and Balance Transfers during the Initial Rate Period is 0.0082%. A f te r After the Initial Rate Period, the Daily Periodic Rate for Purchases and Balance Transfers based on the Curre n t Current Index and Rate Spread described below will be .0493.0445% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0016.24%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases and Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is . 04 93 .0445%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich which the Change Date occurs. The most recent Index is called th e the “Cu rre n t Current Index.” If the Index is no longer available, we will choose a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.503.25% and the Rate Spread 12.99 percentage points, the ANNUAL PERCENTAGE RATE would be 18.0016.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0445%. The new intere st ra te interest rate for Purchases will become effective at the start of your first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of th is this Agreement and will remain be in effect for your first six eight billing cycles following beginning with the opening of your account ("Initial Rate Period")billing cycle on which the balance transfer appears. Th e Da ily Periodic Rate for Purchases during the Initial Rate Period is 0%. A f te r the Initial Rate Period, the The Daily Periodic Rate for Balance Transfers during the eight billing cycle period is .0137%. The Daily Periodic Rate for Balance Transfers after the eight billing cycle period based on the Curre n t Current Index and Rate Spread described below will be .0493.0308% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0011.24%. After the Initial Rate Period, the The ANNUAL PERCENTAGE RATE for Purchases Balance Transfers after the eight billing cycle period will change to the current rate shown on page 1 of this Agreement. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is . 04 93 .0308%. The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich which the Change Date occurs. The most recent Index is called th e the “Cu rre n t Current Index.” If the Index is no longer available, we will choose a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.503.25% and the Rate Spread 12.99 percentage points7.99, the ANNUAL PERCENTAGE RATE would be 18.0011.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0308%. The new intere st ra te interest rate for Purchases will become effective at the start of your first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases and transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of th is this Agreement and will remain in effect for your first six eight billing cycles following the opening of your account ("Initial Rate Period"). Th e Da ily The Daily Periodic Rate for Purchases during the Initial Rate Period for Purchases and Balance Transfers is 0.0082%. A f te r After the Initial Rate Period, the Daily Periodic Rate for Purchases and Balance Transfers based on the Curre n t Current Index and Rate Spread described below will be .0493.0411% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0014.99%. After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Purchases and Balance Transfers will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is . 04 93 %. .0411% The Daily Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE may change (by increasing or decreasing) on the first day of each of your billing cycles that begin in March, June, September, and December. Each date on which the rate of interest could change is called a “Change Date.” Changes will be based on changes in the “Index.” The Index is the highest U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of the calendar month prior to the month in wh ich which the Change Date occurs. The most recent Index is called th e the “Cu rre n t Current Index.” If the Index is no longer available, we will choose a n e w In d e x new Index based upon comparable information and will give you notice of our choice. Your interest rate for Purchases is based on a variable rate equal to the sum of the Current Index plus a “Rate Spread” of 12.99 7.99 percentage points. (The Rate Spread is also called the Margin.) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Index. For example, if the Current Index was 5.507.00% and the Rate Spread 12.99 7.99 percentage points, the ANNUAL PERCENTAGE RATE would be 18.0014.99% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0493.0411%. The new intere st ra te interest rate for Purchases will become effective at the start of your first billin g billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any in cre a se increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would be to increase the amount of interest you must pay and thus increase your monthly payments.