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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 Wail 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

king Department to obtain a comparative listing of credit card rates, fees andgrace periods by calling 1-800.518.8866. Change of Address coornt on Iront do not use Street Address Cry, Sato tc code Area Code and Home Phore Area owe and Work Phone Ere& ( otoWn4 To Pay By Phone 1-800472-9297

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

king Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1.800.518.8866. Change GI Address coned on Iront do not use Name Company Na", Street Addrees City, State Zp code Area Code and Vane Phone Area Code and Work Phone Entail r Mi l t' I

90% 5.90% 30.98 32.88 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wail Street Journal, as described in your Cardmember Agreement as currently in effect EFTA01726721 Pr ed Fa Scan DUPLICATE COPY Vocis:wit>otooME Page 4 of 12 EF

ng Department to obtain a comparative :fisting of credit card rates, fees and grace periods bycalling 1-800-518-8866. Change of Address a cooed on Iront *opium Name Ccerpantr Nate Street Adiroos Qty. State z7 Cade Area Code rd Horne Phoro Area Code ant Work Phone End r I I - TT 1 I