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ing statement (the calculation of which is rounded up to the nearest whole dollar), (2) the current month's billed Finance Charges, or (3) $20 (or the New Balance if it is lessthan $20). If the greatest of the three calculations immediately above Is the current month's billed Finance Charges, then we will add

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Feature for the billing period and divide the total by the number of days in the billing period. This gives us the ADS for the Feature. If you pay the New Balance on this statement by the next Closing Date, then you will avoid additional FC on features included in this New Balance. If you multiply the ADB for

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