on your variable penalty APR. Your variable penalty APR will not exceed 29.99%. See the reverse side for the detail of changes to your Agreement. CMLENDOMROS012i SDNY_GM_02747983 EFTA_00235239 EFTA01676642 JEFFREY E EPSTEIN DVEYWiTgeg98Xos p. 24/25 Detail of Changes to Your Cardmember Agreement This no