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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for Purchases, the Daily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following the opening of your account. The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period is 4.99%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493%. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a 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 7.00% 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for PurchasesPeriod"). The Daily Periodic Rate for Purchases during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for PurchasesPeriod, the Daily Periodic Rate for Purchases based on the 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 for PurchasesPeriod, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following the opening of your account. The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period is 4.99%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493%. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index 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 7.00% 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) eight billing cycles following the opening of your account ("Initial Rate Period for PurchasesPeriod"). The Daily Periodic Rate for Balance Transfers during the Initial Rate Period for Purchases is 0.0082%. After the Initial Rate Period for PurchasesPeriod, the Daily Periodic Rate for Purchases Balance Transfers based on the 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 for PurchasesPeriod, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following the opening of your account. The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period is 4.99%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0493%. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a 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 7.00% 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for Purchases, the Daily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following beginning with the opening of your accountbilling cycle on which the balance transfer appears. The Daily Periodic Rate for Balance Transfers during the eight-eight- billing cycle period is 4.99.0137%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The ANNUAL PERCENTAGE RATE for 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 current Daily Periodic Rate for Purchases and Balance Transfers is .0493%. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index based upon comparable information and will give you notice of our choice. Your our 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 7.00% 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) eight billing cycles following the opening of your account ("Initial Rate Period for PurchasesPeriod"). The Daily Periodic Rate for Balance Transfers during the Initial Rate Period for Purchases is 0.0082%. After the Initial Rate Period for PurchasesPeriod, the Daily Periodic Rate for Purchases Balance Transfers based on the 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 for PurchasesPeriod, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following the opening of your account. The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period is 4.99%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0493%. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index 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 7.00% and the Rate Spread 12.99 percentage points12.99, 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) eight billing cycles following the opening of your account ("Initial Rate Period for PurchasesPeriod"). The Daily Periodic Rate for Purchases and Balance Transfers during the Initial Rate Period for Purchases is 0.0082%. After the Initial Rate Period for PurchasesPeriod, the Daily Periodic Rate for Purchases and Balance Transfers based on the 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 for PurchasesPeriod, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following the opening of your account. The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period is 4.99%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493%. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index 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 7.00% 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for Purchases, the Daily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following beginning with the opening of your accountbilling cycle on which the balance transfer appears. The Daily Periodic Rate for Balance Transfers during the eight-eight- billing cycle period is 4.99.0137%. The Daily Periodic Rate for Balance Transfers after the eight-eight billing cycle period based on the Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The ANNUAL PERCENTAGE RATE for 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 current Daily Periodic Rate for Purchases and Balance Transfers is .0493%. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index based upon comparable information and will give you notice of our choice. Your our 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 7.00% 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for Purchases, the Daily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will be remain in effect for your first eight (8) billing cycles following the opening of your accountaccount ("Initial Rate Period"). The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period Initial Rate Period is 4.99.0082%. The After the Initial Rate Period, the Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493.0445% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0016.24%. The After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493.0445%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .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. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index 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 7.003.25% and the Rate Spread 12.99 percentage points12.99, 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for Purchases, the Daily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will be remain in effect for your first eight (8) billing cycles following the opening of your accountaccount ("Initial Rate Period"). The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period Initial Rate Period is 4.99.0082%. The After the Initial Rate Period, the Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493.0445% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0016.24%. The After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493.0445%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .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. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index 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 7.008.25% and the Rate Spread 12.99 percentage points7.99, 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for Purchases, the Daily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following beginning with the opening of your accountbilling cycle on which the balance transfer appears. The Daily Periodic Rate for Balance Transfers during the eight-eight billing cycle period is 4.99.0137%. The Daily Periodic Rate for Balance Transfers after the eight-eight billing cycle period based on the Current Index and Rate Spread described below will be .0493.0445% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0016.24%. The ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-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 current Daily Periodic Rate for Purchases and Balance Transfers is .0493.0445%. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index 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 7.008.25% and the Rate Spread 12.99 percentage points7.99, 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Perio d fo r Purchases is 0%. After the Initial Rate Period for Purchases, the Daily th e Da ily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billin g cycle s beginning with the billing cycles following cycle on which the opening of your accountbalance transfer a p pe a rs. The Daily Periodic Rate for Balance Transfers during the eight-eight billing cycle period is 4.99.0137%. The Daily Periodic Rate for Balance Transfers after the eight-eight billing cycle period based on the Current Index and Rate Ra te Spread described below will be .0493.0431% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0015.74%. The ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-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 current Daily Periodic Rate for Purchases and Balance Transfers is .0493.0431%. 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 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index 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 7.99 percentage points. (The Rate Spread is also called the Margin.Marg in . ) 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 7.007.75% 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 new interest rate for Purchases will become effective at the start of your first billing cycle after the Change th e Ch a n g e Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would wou ld be to increase the amount of interest you must pay and thus increase th u s in cre a se your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases is a fixed promotional rate as shown on page 1 of this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for Purchases, the Daily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will be remain in effect for your first eight (8) billing cycles following the opening of your accountaccount ("Initial Rate Period"). The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period Initial Rate Period is 4.99.0082%. The After the Initial Rate Period, the Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493.0308% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0011.24%. The After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493.0308%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .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. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index 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 7.003.25% 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Perio d fo r Purchases is 0%. After the Initial Rate Period for Purchases, the Daily th e Da ily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following beginning with the opening of your accountbilling cycle on which the balance transfer appears. The Daily Periodic Rate for Balance Transfers during the eight-eight- billing cycle period is 4.99.0137%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index Ind ex and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle cyc le period will change to the current rate sho wn on page 1 of this Agreement. The current ANNUAL PERCENTAGE RATE for Purchas e s is shown on page 1 of this Agreement. The current Daily Periodic Rate Ra te for Purchases and Balance Transfers is .0493%. 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 co uld 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index based upon comparable information and will give you notice of our choice. Your our interest rate for Purchases is based on a variable rate equal to the sum of the Current th e Cu rre n t 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 7.00% 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 Th e new interest rate for Purchases will become effective at the start of your you r first 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 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 ("Bala n ce Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will remain in effect for your first six (6) eight billing cycles following the opening of your account ("Initial Rate Period for PurchasesPeriod"). The Daily Th e Da i ly Periodic Rate for Balance Transfers during the Initial Rate Period for Purchases is 0.0082%. After the Initial Rate Period for PurchasesPeriod, the Daily Periodic Rate for Purchases Balance Transfers based on the 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 for PurchasesPeriod, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following the opening of your account. The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period is 4.99%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The th e ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493.0431%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. 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 xxxx xx 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 which the Change Date Da te occurs. The most recent Index is called the “Current Index.” If the Index In d e x is no longer available, we will choose a new index 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 7.007.75% 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 interest rate for Purchases will become effective at the start of your you r first 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 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 ("Bala n ce Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will remain in effect for your first six (6) eight billing cycles following the opening of your account ("Initial Rate Period for PurchasesPeriod"). The Daily Th e Da ily Periodic Rate during the Initial Rate Period for Purchases Balance Transfers is 0.0082%. After the Initial Rate Period for PurchasesPeriod, the Daily Periodic Rate for Purchases Balance Transfers based on the 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 for PurchasesPeriod, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following the opening of your account. The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period is 4.99%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The th e ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493.0431%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. 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 MarchMarch , 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 which the Change Date Da te occurs. The most recent Index is called the “Current Index.” If the Index In d e x is no longer available, we will choose a new index 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 7.007.75% 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 interest rate for Purchases will become effective at the start of your you r first 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 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 ("Bala n ce Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will remain in effect for your first six (6) eight billing cycles following the opening of your account ("Initial Rate Period for PurchasesPeriod"). The Daily Th e Da ily Periodic Rate for Balance Transfers during the Initial Rate Period for Purchases is 0.0082%. After the Initial Rate Period for PurchasesPeriod, the Daily Periodic Rate for Purchases Balance Transfers based on the 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 for PurchasesPeriod, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following the opening of your account. The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period is 4.99%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The th e ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0493%. 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 b u sin e ss day of the calendar month prior to the month in which the Change Date Da te occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a 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 percentage points. percenta g e p o in t s. (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 7.00% 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 Ra te of .0493%. The new interest rate for Purchases will become effective at a t the start of your first billing cycle after the Change Date. The ANNUAL Th e A N NUA L PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 month ly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases is a fixed promotional rate as shown on page 1 of this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for Purchases, the Daily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following beginning with the opening of your accountbilling cycle on which the balance transfer appears. The Daily Periodic Rate for Balance Transfers during the eight-eight billing cycle period is 4.99.0137%. The Daily Periodic Rate for Balance Transfers after the eight-eight billing cycle period based on the Current Index and Rate Spread described below will be .0493.0445% and .0390% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%16.24% and 14.24% for Personal World Accounts or Priority Banking World Accounts, respectively. The ANNUAL PERCENTAGE RATE RATES for Balance Transfers after the eight-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 .0445% for Personal World Accounts and Balance Transfers is .0493%.0390% for Priority Banking World Accounts. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a 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 pointspoints for Personal World Accounts and 10.99 percentage points for Priority Banking World Accounts. (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, for Personal World Accounts, if the Current Index was 7.003.25% 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%. By way of further example, for Priority Banking World Accounts, if the Rate Spread is 10.99 percentage points, the ANNUAL PERCENTAGE RATE would be 14.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0390%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for Purchases, the Daily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will be remain in effect for your first eight (8) billing cycles following the opening of your accountaccount ("Initial Rate Period"). The Daily Periodic Rate during the Initial Rate Period for Balance Transfers is .0082%. After the Initial Rate Period, the Daily Periodic Rate for Balance Transfers during the eight-billing cycle period is 4.99%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493.0308% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0011.24%. The After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493.0308%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .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. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index 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 7.003.25% 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 ("Bala n ce Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will remain in effect for your first six (6) eight billing cycles following the opening of your account ("Initial Rate Period for PurchasesPeriod"). The Daily Th e Da ily Periodic Rate for Balance Transfers during the Initial Rate Period for Purchases is 0.0082%. After the Initial Rate Period for PurchasesPeriod, the Daily Periodic Rate for Purchases Balance Transfers based on the 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 for PurchasesPeriod, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following the opening of your account. The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period is 4.99%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The th e ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493.0431%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. 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 xxxx xx 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 which the Change Date Da te occurs. The most recent Index is called the “Current Index.” If the Index In d e x is no longer available, we will choose a new index 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 7.007.75% 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 interest rate for Purchases will become effective at the start of your you r first 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 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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for Purchases, the Daily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will be remain in effect for your first eight (8) billing cycles following the opening of your accountaccount ("Initial Rate Period"). The Daily Periodic Rate during the Initial Rate Period for Balance Transfers is .0082%. After the Initial Rate Period, the Daily Periodic Rate for Balance Transfers during the eight-billing cycle period is 4.99%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493.0445% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0016.24%. The After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493.0445%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .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. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index 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 7.008.25% and the Rate Spread 12.99 percentage points7.99, 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your yo ur first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Perio d fo r Purchases is 0%. After the Initial Rate Period for Purchases, the Daily th e Da ily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billin g cycle s beginning with the billing cycles following cycle on which the opening of your accountbalance transfer a p pe a rs. The Daily Periodic Rate for Balance Transfers during the eight-eight billing cycle period is 4.99.0137%. The Daily Periodic Rate for Balance Transfers after the eight-eight billing cycle period based on the Current Index and Rate Ra te Spread described below will be .0493.0431% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0015.74%. The ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-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 current Daily Periodic Rate for Purchases and Balance Transfers is .0493.0431%. 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 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index 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 7.99 percentage points. (The Rate Spread is also called the Margin.Marg in . ) Immediately before each Change Date we will determine the new interest rate for Purchases by adding the Rate Spread to the Current Curren t Index. For example, if the Current Index was 7.007.75% 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 new interest rate for Purchases will become effective at the start of your first billing cycle after the Change th e Ch a n g e Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any increase in the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for Purchases would wou ld be to increase the amount of interest you must pay and thus increase th u s in cre a se your monthly payments.

Variable Rate. The initial ANNUAL PERCENTAGE RATE for Purchases is a fixed promotional rate as shown on page 1 of this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Perio d fo r Purchases is 0%. After the Initial Rate Period for Purchases, the Daily th e Da ily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following beginning with the opening of your accountbilling cycle on which the balance transfer appears. The Daily Periodic Rate for Balance Transfers during the eight-eight- billing cycle period is 4.99.0137%. The Daily Periodic Rate for Balance Transfers after the eight-eight billing cycle period based on the Current Index Ind e x and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle cyc le period will change to the current rate sho wn on page 1 of this Agreement. The current ANNUAL PERCENTAGE RATE for Purcha se s is shown on page 1 of this Agreement. The current Daily Periodic Rate Ra te for Purchases and Balance Transfers is .0493%. 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 co uld change is called a "Change Date." Changes will be based on changes in the "Index.. " The Th e 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a new index based upon comparable information and will give you notice of our choice. Your our interest rate for Purchases is based on a variable rate equal to the sum of the Current th e Cu rre n t 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 7.00% 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 Th e new interest rate for Purchases will become effective at the start of your you r first 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 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 ("Bala n ce Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will remain in effect for your first six (6) eight billing cycles following the opening of your account ("Initial Rate Period for PurchasesPeriod"). The Daily Th e Da ily Periodic Rate for Balance Transfers during the Initial Rate Period for Purchases Perio d is 0.0082%. After the Initial Rate Period for PurchasesPeriod, the Daily Periodic Rate for Purchases Balance Transfers based on the 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 for PurchasesPeriod, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following the opening of your account. The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period is 4.99%. The Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%. The th e ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .0493%. 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 which the Change Date Da te occurs. The most recent Index is called the “Current Index.” If the Index In d e x is no longer available, we will choose a new index 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 percentage points. percenta g e p o in t s. (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 7.00% and the Rate Spread 12.99 percentage points12.99, 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 Th e new interest rate for Purchases will become effective at the start of your you r first 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 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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for Purchases, the Daily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed promotional rate as shown on page 1 of this Agreement and will be remain in effect for your first eight (8) billing cycles following the opening of your accountaccount ("Initial Rate Period"). The Daily Periodic Rate for Balance Transfers during the eight-billing cycle period Initial Rate Period is 4.99.0082%. The After the Initial Rate Period, the Daily Periodic Rate for Balance Transfers after the eight-billing cycle period based on the Current Index and Rate Spread described below will be .0493.0445% and the corresponding ANNUAL PERCENTAGE RATE will be 18.0016.24%. The After the Initial Rate Period, the ANNUAL PERCENTAGE RATE for Balance Transfers after the eight-billing cycle period will change to the current rate shown on page 1 of this Agreement. The current Daily Periodic Rate for Purchases and Balance Transfers is .0493.0445%. The current ANNUAL PERCENTAGE RATE for Purchases is shown on page 1 of this Agreement. The Daily Periodic Rate for Purchases is .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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a 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 7.003.25% 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 interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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 this Agreement and will remain in effect for your first six (6) billing cycles following the opening of your account ("Initial Rate Period for Purchases"). The Daily Periodic Rate during the Initial Rate Period for Purchases is 0%. After the Initial Rate Period for Purchases, the Daily Periodic Rate for Purchases based on the 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 for Purchases, the ANNUAL PERCENTAGE RATE for Purchases will change to the current rate shown on page 1 of this Agreement. The ANNUAL PERCENTAGE RATE for transfers of account balances you have with another creditor ("Balance Transfers") is a fixed rate as shown on page 1 of this Agreement and will be in effect for eight (8) billing cycles following beginning with the opening of your accountbilling cycle on which the balance transfer appears. The Daily Periodic Rate for Balance Transfers during the eight-eight billing cycle period is 4.99.0137%. The Daily Periodic Rate for Balance Transfers after the eight-eight billing cycle period based on the Current Index and Rate Spread described below will be .0493% and .0452% and the corresponding ANNUAL PERCENTAGE RATE will be 18.00%% and 16.49% for Personal World Accounts or Priority Banking World Accounts, respectively. The ANNUAL PERCENTAGE RATE RATES for Balance Transfers after the eight-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 and Balance Transfers is .0493%% for Personal World Accounts and .0452% for Priority Banking World Accounts. 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 which the Change Date occurs. The most recent Index is called the “Current Index.” If the Index is no longer available, we will choose a 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 pointspoints for Personal World Accounts and 10.99 percentage points for Priority Banking World Accounts. (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, for Personal World Accounts, if the Current Index was 7.005.50% 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%. By way of further example, for Priority Banking World Accounts, if the Rate Spread is 10.99 percentage points, the ANNUAL PERCENTAGE RATE would be 16.24% and by dividing this percentage figure by 365, we would compute a Daily Periodic Rate of .0452%. The new interest rate for Purchases will become effective at the start of your first billing cycle after the Change Date. The ANNUAL PERCENTAGE RATE will not exceed the maximum rate permitted by law. The effect of any 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.