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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 Wail 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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tended Certain of the psricctic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Joumal, as described in your Cardmember Agreement as currently in effect. Finance Charge Total Finance Charge 2006: Summary $59.07 S&T and/or ExPO Act

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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