Epstein Secrets

ling period may vary based on the applicable Prime Rate. The Prime Rate used to determine the variable APRs and DPRs is the Prime Rate published in The Well Street Journal (a) on the first day of that billing period or (b) two days prior to the Closing Date of that billing period, whichever is higher. For either of tho

ys prior to the Closing Date of that billing period, whichever is higher. For either of those dates that is not a customary publication day for The Well Street Joumal,we will substitute the closest preceding customary publication day. Please see your Cardmember Agreement. My promotional rate will terminate if you

Subject to Finance Charge for Purchases on Flexible Payment Features: Average Daily Balance (inducing new purchases, excluding new purchases made on the Sign & Travel) or Extended Payment Option" Flexible Payment Feature by Cardmembers enrolled in such Features). APR IntomiatIon: The Annual Percentage Rates (APR

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

alculation of Finance Charges (Effective May 8, 2005) We are revising the Average Daily Balance Method for Calculation of Finance Charges section of the Sign & Travel* and/or Extended Payment Option Agreement to add the following two sentences to the end of that section: "In our sole discretion, we also may roun

tended Certain of the psricctic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Joumal, as described in your Cardmember Agreement as currently in effect. Finance Charge Total Finance Charge 2006: Summary $59.07 S&T and/or ExPO Act

we are making certain changes to your Agreement with respect to the Sign & Travel and/or Extended Payment Option account. These changes reflect that the Sign & Travel and/or Extended Payment Option, when activated. are now features of your Account and we no longer a separate account. Accordingly, references throug

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

t to Finance Charge (FC) for Purchases on Flexible Payment Features: Average Daily Balance (including new purchases, excluding new purchases made on the Sign & Travel° or Extended Payment Option' Flexible Payment Feature by Cardmembers enrolled in such Features). APR Information: The Annual Percentage Rates (APRs

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

t to Finance Charge (FC) for Purchases on Flexible Payment Features: Average Daily Balance (including new purchases, excluding new purchases made on the Sign & Travel° or Extended Payment Option" Flexible Payment Feature by Cardmembers enrolled in such Features). APR Information: The Annual Percentage Rates (APRs

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

we are making certain changes to your Agreement with respect to the Sign & Travel and/or Extended Payment Option account. These changes reflect that the Sign & Travel and/or Extended Payment Option, when activated, are now features of your Account and are no longer a separate account. Accordingly, references throu

ut the Prime Rate in your Cardmember Agreement are deleted and replaced with: "The Prime Rate for each billing period is the Prime Rate published in The Wall Street Journal 2 days before the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will us

ubject to Finance Charge for Purchases on Flexible Payment Features: Average Daily Balance (including new purchases, excluding new purchases made on the Sign & Travel or Extended Payment Option Flexible Payment Feature by Cardmembers enrolled in such Features). APR Information: The Annual Percentage Rates (APRs)