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20% 0.00% 18.98% Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rato identified in the V/all Street Journal, as described in your Cardmemter Agreement as currently In effect. Remember, your introductory rate applies for WI new purchases for your first 6

Street Journal on the 1st or 25th day (or, ki each case, if such date is not a business day, the next business day) of the prior calendar month. If The Well Street Journal ceases publication or does not publish the Prime Rate on either of those dates, we may refer to the Prime Rate published In any other newspaper of g

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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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