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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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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

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