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f the greatest of the three calculations immediately above is the current month's billed Finance Charges, then we will add 515 to the calculation of the Minimum Payment. You may pay more than the Minimum Payment, up to the entire New Balance, at any time? BP/C01FYI/0304 EFTA01703565 DUPLICATE COPY Prtc.alc.: J

NY GROCERIES/SUNDRIES. 12/17/04 GRACE'S MARKET NEW YORK NY 20.77 09GROCERIES 95.33 12/20/04 T-MOBILE *3806 NEW YORK NY TELEOOMIA/PHONE EQUIP. 32.58 12/20/04 GRACE'S MARKET NEW YORK NY 09GROCERIES 10.20 12/20/04 APPLE STORE #R032 NEW YORK,NY NY APPLE RETAIL STORE 12/29/04 FOOD

f the greatest of the three calculations immediately above is the current month's billed Finance Charges, then we will add $15 to the calculation of the Minimum Payment. You may pay more than the Minimum Payment, up to the entire New Balance, at any time." BP/CO2FYI/0304 EFTA01704111 DUPLICATE COPY G MAXWELL P

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f the greatest of the three calculations immediately above is the current month's billed Finance Charges, then we will add $15 to the calculation of the Minimum Payment. You may pay more than the Minimum Payment, up to the entire New Balance, at any time' BP/CO1FYI/0304 EFTA01704917 DUPLICATE COPY ammo For JEF