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eriod may vary based on the Prime Rate. We use the Prime Rate published in The We Street Journal 2days before the Ckning Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published. The Penalty APR will

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The Annual Percentage Rates (APRs) for each billing period may vary based on the Prime Rate. We use the Prime Rate published In the rates section of The Wall Street Journalon the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Ra