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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] APR for Cash Advances [Cash advance rate] [Description that rate varies and how it is determined, 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] For Credit Card Tips from the Federal Reserve Board [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] Over-the-Credit Limit [Description of over-the-credit limit fee] Returned Payment [Description of returned payment fee] 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] How We Will Calculate Your Balance: [Description of balance computation method] Loss of Introductory APR: [Circumstances in which introductory rate may be revoked and rate that applies if introductory rate is revoked, if applicable] [Description that rate that applies after introductory rate is revoked varies and how it is determined, if applicable] 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 15.99% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 21.99% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 28.99% This APR may be applied to your account if you: 1) Make a late payment; 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. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50. For Credit Card Tips from the Federal Reserve Board 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.federalreserve.gov/creditcard. 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 Over-the-Credit Limit $29 Returned Payment $35 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 (Credit Cards) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 8.99%, 10.99%, or 12.99% introductory APR for one year, based on your creditworthiness. After that, your APR will be the Prime Rate. APR for Balance Transfers 14.99%. This APR will vary with the market based on 15.99% This APR will vary with the market based on the Prime Rate APR for Cash Advances 21.99% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 28.99% This APR may be applied to 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. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50. For Credit Card Tips from the Federal Reserve Board 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.federalreserve.gov/creditcard. 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 about $187 (or about $172 if you choose to have an additional card). Annual Fee $30 Account Set-up Fee $30 (one-time fee) Participation Fee $30 annually ($2.50 per month) Additional Card Fee $15 annually (if applicable) Account Maintenance $30 annually ($2.50 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. 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 Over-the-Credit Limit $29 Returned Payment $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. 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] Foreign Transaction [Description of foreign transaction 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] APR for Cash Advances [Cash advance rate] [Description that rate varies and how it is determined, 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] [How to Avoid Paying Interest]/[Paying Interest] [Description of grace period for purchases, cash advances, balance transfers, or any other credit extended or statement that no grace period applies] [Minimum Interest Charge]/[Minimum Charge] [Description of minimum interest charge or minimum charge, if applicable] For Credit Card Tips from the Federal Reserve Board [Reference to Board’s website] Fees [Annual Fee]/[Set-up and Maintenance Fees] [Notice of available credit, if applicable] [Notice of right to reject plan, 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] Over-the-Credit Limit [Description of over-the-credit limit fee] Returned Payment [Description of returned payment fee] 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] How We Will Calculate Your Balance: [Description of balance computation method] Loss of Introductory APR: [Circumstances in which introductory rate may be revoked and rate that applies if introductory rate is revoked, if applicable] [Description that rate that applies after introductory rate is revoked varies and how it is determined, if applicable] 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 15.99% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 21.99% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 28.99% This APR may be applied to your account if you: 1) Make a late payment; 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. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50. For Credit Card Tips from the Federal Reserve Board 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.federalreserve.gov/creditcard. 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 Over-the-Credit Limit $29 Returned Payment $35 Other Fees Required Account Protector Plan $0.79 per $100 of balance at the end of each statement period. See back for details. 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% introductory APR for one year. After that, your APR will be 14.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 15.99% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 21.99% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies 28.99% This APR may be applied to 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. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50. For Credit Card Tips from the Federal Reserve Board 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.federalreserve.gov/creditcard. 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. Based on your initial credit limit of $250, your initial available credit will be only about $187 (or about $172 if you choose to have an additional card). You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges. Annual Fee $30 Account Set-up Fee $30 (one-time fee) Participation Fee $30 annually ($2.50 per month) Additional Card Fee $15 annually (if applicable) Account Maintenance $30 annually ($2.50 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. 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 Over-the-Credit Limit $29 Returned Payment $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” See your account agreement for more details. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. G-17(D) Account-Opening Sample (Line of Credit) Interest Rate and Interest Charges APR for Cash Advances 18.00%. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50. Paying Interest You will be charged interest from the transaction date. Fees Annual Fee $20 Penalty Fees Late Payment $10 Over-the-Credit Limit $29 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 Char2es; Fees Sample Transactions Reference Number 5884186PS0388W6YM 0544400060ZLV72VL 854338203FS8000Z5 55541860705RDYDOX 554328608008VV90MO 054830709LYM RPT 4L 564891561545KOSHD 841517877845AKOJ10 895848561561894KOH 1871556189456SAMKL 1542202074TWWZV48 2564894185189LKDFID 4545754784KOHUIOS Trans Date 2/22 2/24 2/25 2/25 2/25 2/25 2/25 2/25 2/26 2/26 2/26 2/27 2/27 Post Date 2/23 2/25 2/25 2/26 2/26 2/26 2/26 2/26 2/27 2/27 2/26 2/28 3/1 Description of Transaction or Credit Store #1 Store #2 Pymt Thank You Store #3 Store #4 Store #5 Store #6 Store #7 Store #8 Store #9 Cash Advance Store #10 Amount $2.05 $12.11 $450.00 $4.63 $114.95 $7.35 $14.35 $40.35 $27.68 $124.76 $121.50 $32.87 2564561023184102315 2/28 3/1 Store #11 14547847586KDDL564 2/28 2/28 Cash Advance 55542818705RASDOX 3/1 3/2 Store #12 $3.76 289189194ASDS8744 3/1 3/3 Store #13 $13.45 $785.00 Balance Transfer $14.76 $196.50 178105417841045784 3/2 3/4 Store #14 $2.35 045148714518979874 3/4 3/5 Store #13 $13.45 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 0547810544898718AF 3/15 3/17 Store #18 $24.50 05648941 32168480 P 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 $35.00 Fees I 9525156489SFD4545Q 2/23 2/23 Late Fee 564156156470JSNDS 2/26 2/26 Cash Advance Fee 84151564SADS8745H 2/27 2/27 Balance Transfer Fee 256489156189451516L 2/28 2/28 $5.00 $23.55 Cash Advance Fee $5.90 TOTAL FEES FOR THIS PERIOD $69.45 Interest Charged Interest Charge on Purchases Interest Charge on Cash Advances TOTAL INTEREST FOR THIS PERIOD 2012 Totals Year-to-Date Total fees charged in 2012 $90.14 Total interest charged in 2012 $18.27 $6.31 $4.58 $10.89 G-18(D) Periodic Statement New Balance, Due Date, Late Payment and Minimum Payment Sample (Credit Cards) Payment Information New Balance $1,784.53 Minimum Payment Due $48.00 Payment Due Date 4/20/12 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%. Minimum Payment Warning: 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(E) Periodic Statement New Balance, Due Date and Late Payment Sample (Open-End Plans (Non-credit-card Accounts)) Payment Information New Balance $1,784.53 Minimum Payment Due $48.00 Payment Due Date 4/20/12 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(F) Periodic Statement Form Page 1 of 2 XXX Bank Credit Card Account Statement Account Number XXXX XXXX XXXX XXXX February 21, 2012 to March 22, 2012 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 3/22/2012 30 QUESTIONS? Call Customer Service Lost or Stolen Credit Card New Balance $1,784.53 Minimum Payment Due $48.00 Payment Due Date 4/20/12 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%. Minimum Payment Warning: 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. These changes will impact your account as follows: Transactions made on or after 4/2/12: As of 5/10/12, any changes to APRs described below will apply to these transactions. Transactions made before 4/2/12: Current APRs will continue to apply to these transactions. If you are already being charged a higher Penalty APR for purchases: In this case, any changes to APRs described below will not go into effect at this time. These changes will go into effect when the Penalty APR no longer applies to your account. APR for Purchases Late Payment Fee Revised Terms, as of 5/10/12 16.99% $32 if your balance is less than or equal to $1,000; $39 if your balance is more than $1,000 Transactions Reference Number 5884186PS0388W6YM 0544400060ZLV72VL 55541860705RDYD0X 554328608008W90M0 054830709LYMRPT4L 854338203FS8OO0Z5 Trans Date 2/22 2/24 2/24 2/24 2/24 2/25 Post Date 2/23 2/25 2/25 2/25 2/25 2/25 Description of Transaction or Credit Store #1 Store #2 Store #3 Store #4 Store #5 Pymt Thank You Amount $2.05 $12.11 $4.63 $114.95 $7.35 $450.00– (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 4/20/12 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, 2012 to March 22, 2012 Page 2 of 2 Transactions (cont.) Reference Number 564891561545KOSHD 841517877845AKOJIO 895848561561894KOH 1871556189456SAMKL 1542202074TWWZV48 2564894185189LKDFID 4545754784KOHUIOS 14547847586KDDL564 2564561023184102315 55542818705RASD0X 289189194ASDS8744 178105417841045784 045148714518979874 8456152156181SDSA 31289105205648AWD 04518478415615ASD 0547810544898718AF 056489413216848OP 054894561564ASDW 5648974891AD98156 Trans Date 2/25 2/25 2/26 2/26 2/26 2/27 2/27 2/28 2/28 3/1 3/1 3/2 3/4 3/5 3/11 3/11 3/15 3/16 3/17 3/19 9525156489SFD4545Q 56415615647OJSNDS 84151564SADS8745H 256489156189451516L 2/23 2/26 2/27 2/28 Post Date Description of Transaction or Credit 2/26 Store #6 2/26 Store #7 2/27 Store #8 2/27 Store #9 2/26 Cash Advance 2/28 Store #10 3/1 Balance Transfer 2/28 Cash Advance 3/1 Store #11 3/2 Store #12 3/3 Store #13 3/6 Store #14 3/5 Store #13 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 Fees 2/23 Late Fee 2/26 Cash Advance Fee 2/27 Balance Transfer Fee 2/28 Cash Advance Fee TOTAL FEES FOR THIS PERIOD Interest Charged Interest Charge on Purchases Interest Charge on Cash Advances TOTAL INTEREST FOR THIS PERIOD Amount $14.35 $40.35 $27.68 $124.76 $121.50 $32.87 $785.00 $196.50 $14.76 $3.76 $13.45 $2.35 $13.45– $25.00 $7.34 $10.56 $24.50 $8.76 $14.23 $23.76 $35.00 $5.00 $23.55 $5.90 $69.45 $6.31 $4.58 $10.89 2012 Totals Year-to-Date Total fees charged in 2012 $90.14 Total interest charged in 2012 $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 (v) = Variable Rate 0.00% G-18(G) Periodic Statement Form Page 1 of 2 XXX Bank Credit Card Account Statement Account Number XXXX XXXX XXXX XXXX February 21, 2012 to March 22, 2012 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 3/22/2012 30 QUESTIONS? Call Customer Service Lost or Stolen Credit Card New Balance $119.65 Minimum Payment Due $10.00 Payment Due Date 4/20/12 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 of28.99%. Minimum Payment Warning: 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, Any town, 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%. This change will impact your account as follows: Transactions made on or after 4/2/12: As of 5/1 0/12, the Penalty APR will apply to these transactions. We may keep the APR at this level indefinitely. Transactions made before 4/2/12: Current rates will continue to apply to these transactions. However, if you become more than 30 days late on your account, the Penalty APR will apply to those transactions as well. Transactions Reference Number Trans Date 854338203FS8000Z5 2/25 5884186PS0388W6YM 0544400060ZLV72VL 55541860705RDYDOX 554328608008W90MO 054830709 LYM RPT4L 564891561545KOSHD 841517877845AKOJIO 895848561561894KOH 1871556189456SAMKL 2564894185189LKDFID 55542818705RASDOX 178105417841045784 8456152156181 SDSA 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 Payments and Other Credits 2/25 Pymt Thank You Purchases 2/23 Store #1 2/25 Store #2 2/25 Store #3 2/25 Store #4 2/25 Store #5 2/26 Store #6 2/26 Store #7 2/27 Store #8 2/27 Store #9 2/28 Store #10 3/2 Store #11 3/6 Store #12 3/12 Store #13 Amount $50.00 $2.05 $2.11 $4.63 $4.95 $7.35 $4.35 $2.35 $7.68 $4.76 $2.87 $3.76 $2.35 $2.92 (transactions continued on next page) NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of2 Please detach this portion and return Vvith 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 $10.00 Payment Due Date 4/20/12 AMOUNTENCLOSED:~I$_ _________________~ xxx Bank P.O. Box XXXX Anytown, Anystate XXXXX dd dlid lid Ilid IllId ddlllliid 1IIIIId dlllilid lid I 1111 dIlIlId IdIlid lid III d1IIIIIIIIIIIIdddd 111111111 Page 2 of 2 XXX Bank Credit Card Account Statement Account Number XXXX XXXX XXXX XXXX February 21, 2012 to March 22, 2012 Transactions (cont.) Reference Number Trans Date 9525156489SFD4545Q 564156156470JSNDS 2/23 3/22 Post Date Description of Transaction or Credit Fees 2/23 Late Fee 3/22 Minimum Charge 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 2012 Totals Year-to-Date Total fees charged in 2012 $90.14 Total interest charged in 2012 $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 (v) =Variable Rate 0.00% G-19 Checks Accessing a Credit Card Sample Interest and Fee Information APR for Check Transactions 1.7% (Promotional APR through your November 2012 billing cycle) After November 2012, you will be charged the APR for Cash Advances, currently 21.99%. Use by Date You must use the check by 4/1/12 for the promotional APR to apply. If you use the check after that date, we may still honor the check but you will not receive the promotional APR. Instead, the standard APR for Cash Advances will apply. Fee Either $5 or 3% of the amount of each transaction, whichever is greater. Paying Interest We will begin charging interest on these checks on the transaction date. 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. These changes will impact your account as follows: Transactions made on or after 4/2/12: As of 5/10/12, any changes to APRs described below will apply to these transactions. Transactions made before 4/2/12: Current APRs will continue to apply to these transactions. If you are already being charged a higher Penalty APR for purchases: In this case, any changes to APRs described below will not go into effect at this time. These changes will go into effect when the Penalty APR no longer applies to your account. APR for Purchases Late Payment Fee Revised Terms, as of 5/10/12 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%. This change will impact your account as follows: Transactions made on or after 4/2/12: As of 5/10/12, the Penalty APR will apply to these transactions. We may keep the APR at this level indefinitely. Transactions made before 4/2/12: Current rates will continue to apply to these transactions. However, if you become more than 30 days late on your account, the Penalty APR will apply to those transactions as well.
@FedFRASER