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ing statement (the calculation of which is rounded up to the nearest whole dollar), (2) the current month's billed Finance Charges, or (3) $20 (or the New Balance if it is lessthan $20). If the greatest of the three calculations immediately above Is the current month's billed Finance Charges, then we will add

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e for the feature. For all features except Cash Advances andcertain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Dale shown on that statement. If you multiply the Average Daily Balance for eac

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Feature for the billing period and divide the total by the number of days in the billing period. This gives us the ADS for the Feature. If you pay the New Balance on this statement by the next Closing Date, then you will avoid additional FC on features included in this New Balance. If you multiply the ADB for

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for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for eac