request. Payments using such services of ours received after 800 p.m.MST may not be credited until the next day. How We Calculate Your Balance: We usethe Average Daily Balance (ADB) method (including new transactions) to calculate the balance on which we charge interest for Pay Over Time balances on your Account. Call the

request. Payments using such services of ours received after 840 p.m.MST may not be credited until the next day. How We Calculate Your Balance: We usethe Average Daily Balance (ADB) method (including new transactions) to calculate the balance on which we charge interest for Pay Over Time balances On your Account. Call the