A finance charge will be imposed on Credit Purchases only if you elect not topay the entire new balance shown
on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement.
If you elect not to pay the entire new balance shown on your previous month statement within that 25 day period,
a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous
statement closing date on new Credit Purchases from the date of posting to your account during the current billing
cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire
new balance is paid in full or until the date of payment if more than 25-days from the closing date. The finance
charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit
Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number
of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance
of Credit Purchases at the beginning of the billing cycle any Credit Purchases posted to your account, and subtracting
any payments as received or credits as posted to your account, but excluding any unpaid finance charges. A finance
charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the
Cash Advance is posted to your account, whichever is later, and will continue until the date of payment.

 **** Additional fees may apply, including late payment penalties. ****