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be due in full upon your receipt of the billing statement. Additionally, any Charges incurred by a Cardmember who is not eligible to use one of the Features will also be due in full upon your receipt of the billing statement. Even if your Account is not enrolled in a Feature, you may request to transfer

balances. Amounts applied to Feature balances will be applied first to Feature balances at lower Annual Percentage Rates ("APRs") and then to higher APR Feature balances. In most cases, we will apply purchase credits first to the balance from which the corresponding debit originated. However, for servicing,

l be due in full upon your receipt of the billing statement. Additionally, any Charges incurred by a Cardmember Who is not elgible to use one of the Features will also be due In full upon your receipt of the billing statement. BP/CO/XPT2/0906 T3085 EFTA01704263 DUPLICATE COPY Prepxtd Foe G MAXWELL

yments to Feature balances last, and (among Feature balances) first to Feature balances at lower Annual Percentage Rates ("APRs") and then to higher APR Feature balances. In most cases, we will apply purchase credits first to the balance from which the corresponding debit originated. However, for servicing,

be due in full upon your receipt of the billing statement. Additionally, any Charges incurred by a Cardmember who is not eligible to use one of the Features will also be due in full upon your receipt of the biting statement. X0286 BP/CO/XPT2/0806 EFTA01704599 DUPLICATE COPY Pr od Fa' Page 12 of 13

alances. Amounts applied to Feature balances veil be applied first to Feature balances at lower Annual Percentage Rates ("APRs") and then to higher APR Feature balances. In most cases, we will apply purchase credits first to the balance from which the corresponding debit originated. However, for servicing,