0 0.00 0.00 0.00 22.20 23 Mal PH II 02111.04.2. 00/20 1.06 0.00 D.00 O.m ail as 23 04.52 PK 12022 19 17.00 0.00 0.00 0.01 Page A Acccunt name TOYdNG ô TRANSPORT INC Acccunt number Slaloment date Jrdy 13. 2004 Billing polud June 09 - July 08, 2004 condnued... Telecommunications

ulation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Acccunt by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash Advance and Balance