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G-10(A) Applications and Solicitations Model Form (Credit Cards) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases [Purchase rate] [Description that rate varies and how it is determined, if applicable] APR for Balance Transfers [Balance transfer rate] [Description that rate varies and how it is determined, if applicable] [Statement about balance transfer fee and cross reference, if applicable] [Payment allocation notice, if applicable] APR for Cash Advances [Cash advance rate] [Description that rate varies and how it is determined, if applicable] [Statement about cash advance fee and cross reference, if applicable] [Payment allocation notice, if applicable] Penalty APR and When it Applies [Penalty rate] [Description of events that may result in the penalty rate] [Description of how long penalty rate may apply] [Minimum Interest Charge]/[Minimum Charge] [Description of minimum interest charge or minimum charge] Grace Period on Purchases [Description of grace period for purchases or statement that no grace period applies] Website for Additional Information [Reference to Board’s website] Fees [Annual Fee]/[Set-up and Maintenance Fees] [Notice of available credit, if applicable] [Description of fees for availability or issuance of credit, such as an annual fee, if applicable] Transaction Fees • Balance Transfer [Description of balance transfer fee] • Cash Advance [Description of cash advance fee] Penalty Fees • Late Payment [Description of late payment fee] [Cross reference to penalty rate, if applicable] • Over-the-Credit Limit [Description of over-the-credit limit fee] [Cross reference to penalty rate, if applicable] • Returned Payment [Description of returned payment fee] [Cross reference to penalty rate, if applicable] Other Fees • Required [insert name of required insurance, or debt cancellation or suspension coverage] [Description of cost of insurance, or debt cancellation or suspension plans] [Cross reference to additional information, if applicable] Balance Computation Method: [Description of balance computation method] G-10(B) Applications and Solicitations Sample (Credit Cards) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 8.99% to 19.99% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% (Intro. APR through your December 2007 billing cycle) 15.99% (APR after December 2007) Balance transfer fees will also apply (see Fees section below). Notice Regarding Interest Charges: Your introductory APR applies only to balance transfers, not to purchases. During the introductory period we will apply your payments to transferred balances before we apply them to any purchases you make. You will be charged interest on all purchases until your entire balance has been paid off completely, including transferred balances. APR for Cash Advances 21.99% This APR will vary with the market based on the Prime Rate. Cash advance fees will also apply (see Fees section below). Penalty APR and When it Applies 28.99% This APR may be applied to the entire balance on your account if you: 1) Make a late payment twice in a six-month period; 2) Go over your credit limit twice in a six-month period; 3) Make a payment that is returned; or 4) Do any of the above on another account that you have with us. How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Grace Period on Purchases If you pay your entire balance in full each month, you have at least 25 days after the close of each period to pay your balance on purchases without being charged interest. Website for Additional Information To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.frb.gov/location. Fees Annual Fee None Transaction Fees • Balance Transfer Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee: $100). • Cash Advance Either $5 or 3% of the amount of each cash advance, whichever is greater. Penalty Fees • Late Payment $29 if balance is less than or equal to $1,000; $35 if balance is more than $1,000 (Your APRs may also increase; see Penalty APR section above.) • Over-the-Credit Limit $29 (Your APRs may also increase; see Penalty APR section above.) • Returned Payment $35 (Your APRs may also increase; see Penalty APR section above.) Other Fees • Required Account $0.79 per $100 of balance at the end of each statement period. See back for details. Protector Plan How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." G-10(C) Applications and Solicitations Sample (Credit Cards) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 8.99%, 12.99%, or 19.99% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% (Intro. APR through your December 2007 billing cycle) 15.99% (APR after December 2007) Balance transfer fees will also apply (see Fees section below). Notice Regarding Interest Charges: Your introductory APR applies only to balance transfers, not to purchases. During the introductory period we will apply your payments to transferred balances before we apply them to any purchases you make. You will be charged interest on all purchases until your entire balance has been paid off completely, including transferred balances. APR for Cash Advances 21.99% This APR will vary with the market based on the Prime Rate. Cash advance fees will also apply (see Fees section below). Penalty APR and When it Applies 28.99% This APR may be applied to the entire balance on your account if you: 1) Make a late payment; 2) Go over your credit limit; 3) Make a payment that is returned; or 4) Do any of the above on another account that you have with us. How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, we may keep them at this higher level indefinitely. Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. Grace Period on Purchases If you pay your entire balance in full each month, you have at least 25 days after the close of each period to pay your balance on purchases without being charged interest. Website for Additional Information To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.frb.gov/location. Fees Set-up and Maintenance Fees NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. For example, if you are assigned the minimum credit limit of $250, your initial available credit will be only $68 (or $53 if you choose to have an additional card). • Annual Fee $60 • Account Set-up Fee $30 (one-time fee) • Program Fee $85 (one-time fee) • Participation Fee $84 annually ($7 per month) • Additional Card Fee $15 annually (if applicable) • Account Maintenance $60 annually ($5 per month on closed accounts with an outstanding balance of $30 or more) Fee on Closed Accounts Transaction Fees • Balance Transfer Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee: $100). • Cash Advance Either $5 or 3% of the amount of each cash advance, whichever is greater. Penalty Fees • Late Payment $29 if balance is less than or equal to $1,000; $35 if balance is more than $1,000 (Your APRs may also increase; see Penalty APR section above.) • Over-the-Credit Limit $29 (Your APRs may also increase; see Penalty APR section above.) • Returned Payment $35 (Your APRs may also increase; see Penalty APR section above.) How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." G-10(D) Applications and Solicitations Model Form (Charge Cards) Payment Information [A statement that charges incurred through use of the charge card are due when the periodic statement is received] Fees [Annual Fee]/[Set-up and Maintenance Fees] [Notice of available credit, if applicable] [Description of fees for availability or issuance of credit, such as an annual fee, if applicable] Transaction Fees • Balance Transfer [Description of balance transfer fee] • Cash Advance [Description of cash advance fee] Penalty Fees • Late Payment [Description of late payment fee] • Over-the-Credit Limit [Description of over-the-credit limit fee] • Returned Payment [Description of returned payment fee] G-10(E) Applications and Solicitations Sample (Charge Cards) Payment Information All charges made on this charge card are due and payable when you receive your periodic statement. Fees Annual Fee $50 Transaction Fees • Balance Transfer Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee: $100). • Cash Advance Either $5 or 3% of the amount of each cash advance, whichever is greater. Penalty Fees • Late Payment $31 if balance is less than or equal to $1,000; $35 if balance is more than $1,000 • Over-the-Credit Limit $30 • Returned Payment $30 G-17(A) Account-opening Model Form Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases [Purchase rate] [Description that rate varies and how it is determined, if applicable] APR for Balance Transfers [Balance transfer rate] [Description that rate varies and how it is determined, if applicable] [Statement about balance transfer fee and cross reference, if applicable] [Payment allocation notice, if applicable] APR for Cash Advances [Cash advance rate] [Description that rate varies and how it is determined, if applicable] [Statement about cash advance fee and cross reference, if applicable] [Payment allocation notice, if applicable] Penalty APR and When it Applies [Penalty rate] [Description of events that may result in the penalty rate] [Description of how long penalty rate may apply] [Minimum Interest Charge]/[Minimum Charge] [Description of minimum interest charge or minimum charge] Grace Period [Description of grace period for purchases, cash advances, balance transfers or any other credit extended or statement that no grace period applies] Website for Additional Information [Reference to Board’s website] Fees [Annual Fee]/[Set-up and Maintenance Fees] [Notice of available credit, if applicable] [Description of fees for availability or issuance of credit, such as an annual fee, if applicable] Transaction Fees • Balance Transfer [Description of balance transfer fee] • Cash Advance [Description of cash advance fee] • Foreign Transaction [Description of foreign transaction fee] Penalty Fees • Late Payment [Description of late payment fee] [Cross reference to penalty rate, if applicable] • Over-the-Credit Limit [Description of over-the-credit limit fee] [Cross reference to penalty rate, if applicable] • Returned Payment [Description of returned payment fee] [Cross reference to penalty rate, if applicable] Other Fees • Required [insert name of required insurance, or debt cancellation or suspension coverage] [Description of cost of insurance, or debt cancellation or suspension plans] [Cross reference to additional information, if applicable] Balance Computation Method: [Description of balance computation method] [Reference to account agreement for more details] Billing Rights: [Reference to account agreement for details on billing-error rights] G-17(B) Account-opening Sample Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 8.99% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% (Intro. APR through your December 2007 billing cycle) 15.99% (APR after December 2007) Balance transfer fees will also apply (see Fees section below). Notice Regarding Interest Charges: Your introductory APR applies only to balance transfers, not to purchases. During the introductory period we will apply your payments to transferred balances before we apply them to any purchases you make. You will be charged interest on all purchases until your entire balance has been paid off completely, including transferred balances. APR for Cash Advances 21.99% This APR will vary with the market based on the Prime Rate. Cash advance fees will also apply (see Fees section below). Penalty APR and When it Applies 28.99% This APR may be applied to the entire balance on your account if you: 1) Make a late payment twice in a six-month period; 2) Go over your credit limit twice in a six-month period; 3) Make a payment that is returned; or 4) Do any of the above on another account that you have with us. How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Grace Period If you pay your entire balance in full each month, you have at least 25 days after the close of each period to pay your balance on purchases without being charged interest. There is no grace period for cash advances and balance transfers. Website for Additional Information To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.frb.gov/location. Fees Annual Fee None Transaction Fees • Balance Transfer Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee: $100). • Cash Advance Either $5 or 3% of the amount of each cash advance, whichever is greater. • Foreign Transaction 2% of each transaction in U.S. dollars Penalty Fees • Late Payment $29 if balance is less than or equal to $1,000; $35 if balance is more than $1,000 (Your APRs may also increase; see Penalty APR section above.) • Over-the-Credit Limit $29 (Your APRs may also increase; see Penalty APR section above.) • Returned Payment $35 (Your APRs may also increase; see Penalty APR section above.) Other Fees • Required Account $0.79 per $100 of balance at the end of each statement period. See back for details. Protector Plan How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. G-17(C) Account-opening Sample Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 8.99% APR for Balance Transfers 0.00% (Intro. APR through your December 2007 billing cycle) 15.99% (APR after December 2007) This APR will vary with the market based on the Prime Rate. Balance transfer fees will also apply (see Fees section below). Notice Regarding Interest Charges: Your introductory APR applies only to balance transfers, not to purchases. During the introductory period we will apply your payments to transferred balances before we apply them to any purchases you make. You will be charged interest on all purchases until your entire balance has been paid off completely, including transferred balances. APR for Cash Advances 21.99% This APR will vary with the market based on the Prime Rate. Cash advance fees will also apply (see Fees section below). Penalty APR and When it Applies 28.99% This APR may be applied to the entire balance on your account if you: 1) Make a late payment; 2) Go over your credit limit; 3) Make a payment that is returned; or 4) Do any of the above on another account that you have with us. How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, we may keep them at this higher level indefinitely. Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. Grace Period If you pay your entire balance in full each month, you have at least 25 days after the close of each period to pay your balance on purchases without being charged interest. There is no grace period for cash advances or balance transfers. Website for Additional Information To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.frb.gov/location. Fees Set-up and Maintenance Fees NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. For example, if you are assigned the minimum credit limit of $250, your initial available credit will be only $68 (or $53 if you choose to have an additional card). x Annual Fee $60 x Account Set-up Fee $30 (one-time fee) x Program Fee $85 (one-time fee) x Participation Fee $84 annually ($7 per month) x Additional Card Fee $15 annually (if applicable) x Account Maintenance Fee $60 annually ($5 per month on closed accounts with an outstanding balance of $30 or more) on Closed Accounts Transaction Fees x Balance Transfer Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee: $100). x Cash Advance Either $5 or 3% of the amount of each cash advance, whichever is greater. x Foreign Transaction 2% of each transaction in U.S. dollars. Penalty Fees x Late Payment $29 if balance is less than or equal to $1,000; $35 if balance is more than $1,000 (Your APRs may also increase; see Penalty APR section above.) x Over-the-Credit Limit $29 (Your APRs may also increase; see Penalty APR section above.) x Returned Payment $35 (Your APRs may also increase; see Penalty APR section above.) How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. G-18(A) Periodic Statement Transactions; Interest Charges; Fees Sample Transactions Reference Number Trans Date 854338203fs8oo0z5 045148714518979874 2/25 3/4 5884186Ps0388w6Ym 0544400060zlv72vl 55541860705rdYd0x 554328608008w90m0 054830709lYmrPT4l 564891561545KosHd 841517877845AKoJIo 895848561561894KoH 1871556189456sAmKl 2564894185189lKdfId 2564561023184102315 2/22 2/24 2/25 2/25 2/25 2/25 2/25 2/26 2/26 2/27 2/28 Post Date Description of Transaction or Credit Payments and Other Credits 2/25 Pymt Thank You 3/5 store #13 Purchases 2/23 store #1 2/25 store #2 2/26 store #3 2/26 store #4 2/26 store #5 2/26 store #6 2/26 store #7 2/27 store #8 2/27 store #9 2/28 store #10 3/1 store #11 Amount $450.00– $13.45– $2.05 $12.11 $4.63 $114.95 $7.35 $14.35 $40.35 $27.68 $124.76 $32.87 $14.76 55542818705rAsd0x 3/1 3/2 store #12 $3.76 289189194Asds8744 3/1 3/3 store #13 $13.45 178105417841045784 3/2 3/4 store #14 $2.35 8456152156181sdsA 3/5 3/6 store #15 $25.00 31289105205648Awd 3/11 3/12 store #16 $7.34 04518478415615Asd 3/11 3/16 store #17 $10.56 $24.50 0547810544898718Af 3/15 3/17 store #18 056489413216848oP 3/16 3/17 store #19 $8.76 054894561564Asdw 3/17 3/18 store #20 $14.23 5648974891Ad98156 3/19 3/20 store #21 $23.76 Cash Advances 1542202074Twwzv48 2/26 2/26 Cash Advance $121.50 14547847586Kddl564 2/28 2/28 Cash Advance $196.50 Balance Transfers 4545754784KoHUIos 2/27 3/1 Balance Transfer $785.00 9525156489sfd4545Q 2/23 2/23 late fee 56415615647oJsNds 2/26 2/26 Cash Advance fee *Transaction fee* 84151564sAds8745H 2/27 2/27 Balance Transfer fee *Transaction fee* 256489156189451516l 2/28 2/28 Cash Advance fee *Transaction fee* Fees $35.00 TOTAL FEES FOR THIS PERIOD $5.00 $23.55 $5.90 $69.45 Interest Charged Interest Charge on Purchases Interest Charge on Cash Advances TOTAL INTEREST FOR THIS PERIOD 2007 Totals Year-to-Date Total fees charged in 2007 $90.14 Total interest charged in 2007 $18.27 $6.31 $4.58 $10.89 G-18(B) Periodic Statement Fee-Inclusive APR Sample Fee-Inclusive APR The Fee-Inclusive APRs in this table are the APRs that you paid this period when transaction or fixed fees are taken into account as well as interest. Type of Balance Interest Charges Transaction or Fixed Fees Fee-Inclusive APR Purchases $6.31 $0.00 14.99% Cash Advances $4.58 $10.90 58.42% Balance Transfers $0.00 $23.55 36.00% G-18(E) Periodic Statement New Balance, Due Date, Late Payment and Minimum Payment Sample (Credit Cards) Payment Information New Balance Minimum Payment Due Payment Due Date $1,784.53 $48.00 4/20/07 (before 2:00 pm) Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a $35 late fee and your APRs may be increased up to the Penalty APR of 28.99%. Notice about Minimum Payments: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example, if you had a balance of $1,000 at an interest rate of 17% and always paid only the minimum required, it would take over 7 years to repay this balance. For an estimate of the time it would take to repay your actual balance making only minimum payments, call 1-800-XXX-XXXX. G-18(F) Periodic Statement New Balance, Due Date and Late Payment Sample (Open-End Plans (Non-credit-card Accounts)) Payment Information New Balance Minimum Payment Due Payment Due Date $1,784.53 $48.00 4/20/07 (before 2:00 pm) Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a $35 late fee and your APRs may be increased up to the Penalty APR of 28.99%. G-18(G) Periodic Statement Form Page 1 of 2 XXX Bank Credit Card Account Statement Account Number XXXX XXXX XXXX XXXX February 21, 2007 to March 22, 2007 Payment Information Summary of Account Activity Previous Balance Payments Other Credits Purchases Balance Transfers Cash Advances Past Due Amount Fees Charged Interest Charged $535.07 -$450.00 -$13.45 +$529.57 +$785.00 +$318.00 +$0.00 +$69.45 +$10.89 New Balance $1,784.53 Credit limit Available credit Statement closing date Days in billing cycle $2,000.00 $215.47 3/22/2007 30 QUESTIONS? Call Customer Service lost or Stolen Credit Card New Balance $1,784.53 Minimum Payment Due $48.00 Payment Due Date 4/20/07 (before 2:00 pm) Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a $35 late fee and your APRs may be increased up to the Penalty APR of 28.99%. Notice about Minimum Payments: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example, if you had a balance of $1,000 at an interest rate of 17% and always paid only the minimum required, it would take over 7 years to repay this balance. For an estimate of the time it would take to repay your actual balance making only minimum payments, call 1-800-XXX-XXXX. Please send billing inquiries and correspondence to: PO Box XXXX, Anytown, Anystate XXXXX 1-XXX-XXX-XXXX 1-XXX-XXX-XXXX Important Changes to Your Account Terms The following is a summary of changes that are being made to your account terms. You have the right to opt out of these changes. For more detailed information, please refer to the booklet enclosed with this statement. The effective date of these changes is 5/10/07. Note: The change to your APR for purchases described below wil not go into effect at this time if you are already being charged a higher Penalty APR on purchases. This change will go into effect when the Penalty APR no longer applies. Revised Terms, as of 5/10/07 APR for Purchases 16.99% $32 if your balance is less than or equal to $1,000; $39 if your balance is more than $1,000 Late Payment Fee Transactions Reference Number Trans Date 854338203FS8OO0z5 045148714518979874 2/25 3/4 5884186PS0388w6YM 0544400060zlV72Vl 55541860705RDYD0X 554328608008w90M0 054830709lYMRPT4l 564891561545KOSHD 841517877845AKOJIO 895848561561894KOH 1871556189456SAMKl 2564894185189lKDFID 2/22 2/24 2/24 2/24 2/24 2/25 2/25 2/26 2/26 2/27 Post Date Description of Transaction or Credit Amount Payments and Other Credits 2/25 Pymt Thank You $450.00– 3/5 Store #13 $13.45– Purchases 2/23 Store #1 $2.05 2/25 Store #2 $12.11 2/25 Store #3 $4.63 2/25 Store #4 $114.95 2/25 Store #5 $7.35 2/26 Store #6 $14.35 2/26 Store #7 $40.35 2/27 Store #8 $27.68 2/27 Store #9 $124.76 2/28 Store #10 $32.87 (transactions continued on next page) NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of 2 Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. Please indicate address change and additional cardholder requests on the reverse side. Account Number: XXXX XXXX XXXX XXXX New Balance $1,784.53 Minimum Payment Due $48.00 Payment Due Date 4/20/07 (before 2:00 pm) AMOUNT ENCLOSED: $ XXX Bank P.O. Box XXXX Anytown, Anystate XXXXX l l l l ll lll llll ll ll llllll ll llll llll ll llll llll lllll l l l lll lll lll ll ll ll ll l l l ll l lll llll ll ll ll lll llll ll ll l lllll l lll lll ll l ll llll XXX Bank Credit Card Account Statement Account Number XXXX XXXX XXXX XXXX February 21, 2007 to March 22, 2007 Page 2 of 2 Transactions (cont.) Reference Number Trans Date 2564561023184102315 55542818705rASD0x 289189194ASDS8744 178105417841045784 8456152156181SDSA 31289105205648AWD 04518478415615ASD 0547810544898718AF 056489413216848OP 054894561564ASDW 5648974891AD98156 2/28 3/1 3/1 3/2 3/5 3/11 3/11 3/15 3/16 3/17 3/19 1542202074tWWzv48 14547847586KDDL564 2/26 2/28 4545754784KOHUIOS 2/27 9525156489SFD4545Q 56415615647OJSNDS 84151564SADS8745H 256489156189451516L 2/23 2/26 2/27 2/28 Post Date Description of Transaction or Credit Purchases (cont.) 3/1 Store #11 3/2 Store #12 3/3 Store #13 3/6 Store #14 3/12 Store #15 3/12 Store #16 3/16 Store #17 3/17 Store #18 3/17 Store #19 3/18 Store #20 3/20 Store #21 Cash Advances 2/26 Cash Advance 2/28 Cash Advance Balance Transfers 3/1 Balance transfer Fees 2/23 Late Fee 2/26 Cash Advance Fee *transaction Fee* 2/27 Balance transfer Fee *transaction Fee* 2/28 Cash Advance Fee *transaction Fee* TOTAL FEES FOR THIS PERIOD Interest Charged Interest Charge on Purchases Interest Charge on Cash Advances TOTAL INTEREST FOR THIS PERIOD Amount $14.76 $3.76 $13.45 $2.35 $25.00 $7.34 $10.56 $24.50 $8.76 $14.23 $23.76 $121.50 $196.50 $785.00 $35.00 $5.00 $23.55 $5.90 $69.45 $6.31 $4.58 $10.89 2007 Totals Year-to-Date total fees charged in 2007 $90.14 total interest charged in 2007 $18.27 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purchases 14.99% (v) $512.14 $6.31 Cash Advances 21.99% (v) $253.50 $4.58 $637.50 $0.00 Type of Balance Balance transfers 0.00% (v) = variable rate Fee-Inclusive APR the Fee-Inclusive APRs in this table are the APRs that you paid this period when transaction or fixed fees are taken into account as well as interest. Type of Balance Interest Charges Transaction or Fixed Fees Fee-Inclusive APR Purchases $6.31 $0.00 14.99% Cash Advances $4.58 $10.90 58.42% Balance transfers $0.00 $23.55 36.00% G-18(H) Periodic Statement Form Page 1 of 2 XXX Bank Credit Card Account Statement Account Number XXXX XXXX XXXX XXXX February 21, 2007 to March 22, 2007 Payment Information Summary of Account Activity Previous Balance Payments Other Credits Purchases Balance Transfers Cash Advances Past Due Amount Fees Charged Interest Charged $80.52 -$50.00 +$0.00 +$52.13 +$0.00 +$0.00 +$0.00 +$37.00 +$0.00 New Balance $119.65 Credit limit Available credit Statement closing date Days in billing cycle $2,000.00 $1,880.35 3/22/2007 30 QUESTIONS? Call Customer Service lost or Stolen Credit Card New Balance $119.65 Minimum Payment Due $10.00 Payment Due Date 4/20/07 (before 2:00 pm) Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a $35 late fee and your APRs may be increased up to the Penalty APR of 28.99%. Notice about Minimum Payments: If you make only the minimum payment each month, it will take you about 13 months to repay the balance shown on this statement. Please send billing inquiries and correspondence to: PO Box XXXX, Anytown, Anystate XXXXX 1-XXX-XXX-XXXX 1-XXX-XXX-XXXX Notice of Changes to Your Interest Rates You have triggered the Penalty APR of 28.99%. Effective 5/10/07, we will apply the penalty rate to all balances on this account. We may keep your APRs at this level indefinitely. Transactions Reference Number Trans Date 854338203FS8OO0z5 2/25 5884186PS0388w6YM 0544400060zlV72Vl 55541860705RDYD0X 554328608008w90M0 054830709lYMRPT4l 564891561545KOSHD 841517877845AKOJIO 895848561561894KOH 1871556189456SAMKl 2564894185189lKDFID 55542818705RASD0X 178105417841045784 8456152156181SDSA 2/22 2/24 2/24 2/24 2/24 2/25 2/25 2/26 2/26 2/27 3/1 3/2 3/5 Post Date Description of Transaction or Credit Amount Payments and Other Credits 2/25 Pymt Thank You $50.00– Purchases 2/23 Store #1 $2.05 2/25 Store #2 $2.11 2/25 Store #3 $4.63 2/25 Store #4 $4.95 2/25 Store #5 $7.35 2/26 Store #6 $4.35 2/26 Store #7 $2.35 2/27 Store #8 $7.68 2/27 Store #9 $4.76 2/28 Store #10 $2.87 3/2 Store #11 $3.76 3/6 Store #12 $2.35 3/12 Store #13 $2.92 (transactions continued on next page) NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of 2 Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. Please indicate address change and additional cardholder requests on the reverse side. Account Number: XXXX XXXX XXXX XXXX New Balance $119.65 Minimum Payment Due $10.00 Payment Due Date 4/20/07 (before 2:00 pm) AMOUNT ENCLOSED: $ XXX Bank P.O. Box XXXX Anytown, Anystate XXXXX l l l l ll lll llll ll ll llllll ll llll llll ll llll llll lllll l l l lll lll lll ll ll ll ll l l l ll l lll llll ll ll ll lll llll ll ll l lllll l lll lll ll l ll llll XXX Bank Credit Card Account Statement Account Number XXXX XXXX XXXX XXXX February 21, 2007 to March 22, 2007 Page 2 of 2 Transactions (cont.) Reference Number Trans Date 9525156489SFD4545Q 56415615647OJSNDS 2/23 3/22 Post Date Description of Transaction or Credit Fees 2/23 Late Fee 3/22 Minimum Charge *Fixed Fee* TOTAL FEES FOR THIS PERIOD Interest Charged Interest Charge on Purchases Interest Charge on Cash Advances TOTAL INTEREST FOR THIS PERIOD Amount $35.00 $2.00 $37.00 $0.00 $0.00 $0.00 2007 Totals Year-to-Date Total fees charged in 2007 $90.14 Total interest charged in 2007 $18.27 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purchases 14.99% (v) $113.80 $0.00 Cash Advances 21.99% (v) $0.00 $0.00 $0.00 $0.00 Type of Balance Balance Transfers 0.00% (v) = Variable Rate Fee-Inclusive APR The Fee-Inclusive APRs in this table are the APRs that you paid this period when transaction or fixed fees are taken into account as well as interest. Type of Balance Interest Charges Transaction or Fixed Fees Fee-Inclusive APR Purchases $0.00 $2.00 21.09% Cash Advances $0.00 $0.00 0.00% Balance Transfers $0.00 $0.00 0.00% G-19 Checks Accessing a Credit Card Sample Interest and Fee Information APR for Check Transactions 1.7% (Intro. APR through your November 2007 billing cycle) Fee Either $5 or 3% of the amount of each transfer, whichever is greater. Grace Period There is no grace period for transactions you make with these checks; we will begin charging interest on the transaction date. After November 2007, you will be charged the APR for Cash Advances, currently 21.99%. G-20 Change-in-Terms Sample Important Changes to Your Account Terms The following is a summary of changes that are being made to your account terms. You have the right to opt out of these changes. For more detailed information, please refer to the booklet enclosed with this statement. The effective date of these changes is 5/10/07. Note: The change to your APR for purchases described below wil not go into effect at this time if you are already being charged a higher Penalty APR on purchases. This change will go into effect when the Penalty APR no longer applies. Revised Terms, as of 5/10/07 APR for Purchases Late Payment Fee 16.99% $32 if your balance is less than or equal to $1,000; $39 if your balance is more than $1,000 G-21 Penalty Rate Increase Sample Notice of Changes to Your Interest Rates You have triggered the Penalty APR of 28.99%. Effective 5/10/07, we will apply the penalty rate to all balances on this account. We may keep your APRs at this level indefinitely.