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is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published In any other newspaper of general circulation in New York, New York, or we

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ercentage Rates (DPRs) may vary based on the applicable Prime Rate (PR). The PR used to determine the APR and DPR is the higher of the PRs listed in the Well Street Journal on the 1st or 25th day (or if such date is not a business day, the next business day) of the prior month. If a promotional rate is in effect, that r

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