TAL SALE: 2200.37 LESS DEPOSIT: 0.00 AMOUNT DUE: 2200.37 *********** All Orders using a Discount. Fina Bucks. Charity Gift Certificate or other Promotional Offer is * considered FINAL SALE. No Return and No Exchange. * Special Order Merchandise and Custom Orders are Not Returnable and Not Cancelable. ST

the following: "5. Balance Transfer Fee: We may assess a transaction fee for each Balance Transfer on your Account, as disclosed in the applicable Promotional Offer or at the time of the transaction. This fee, if assessed, is a FINANCE CHARGE.' Balance Transfers and Convenience Checks (Effective May 8, 2005) We

ence Check Usage/Balance Transfer Transaction Fee, included in the Other Fees section, with the following section: 'Unless otherwise disclosed in a Promotional Offer, we will charge a transaction fee for each Balance Transfer and each convenience check drawn on your Account. This fee, a Finance Charge, will be 3%