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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

alPass also offers GlobalAwardse, allowing enrollees to redeem Membership Rewards points toward travel on GlobalPass Affiliated Airlines including AeroPostal, TACA and KLM. Earn Up to 1,500 Bonus Points with AOL@ 9.0 Optimized! Membership Rewards@ enrollees get AOL--FREE for 50 days. Plus, earn up to 1

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

alPass also offers GlobalAwards@, allowing enrollees to redeem Membership Rewards points toward travel on GlobalPass Affiliated Airlines including AeroPostal, TACA and KLM. Earn Up to 1,500 Bonus Points with AOL@ 9.0 Optimized! Membership Rewards@ enrollees get AOL--FREE for 50 days. Plus, earn up to 1

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

alPass also offers GlobalAwardse, allowing enrollees to redeem Membership Rewards points toward travel on GlobalPass Affiliated Airlines including AeroPostal, TACA and KLM. Earn Up to 1,500 Bonus Points with AOL@ 9.0 Optimized! Membership Rewards• enrollees get AOL--FREE for 50 days. Plus, earn up to 1