This is the total amount you owe on your Card

account at the end of the billing period. It includes

your previous balance plus adjustments for account

transactions such as payments, credits, new

charges, fees and interest charges. If you pay

the New Balance by the Payment Due Date each

month, you will not incur interest charges on

charges added to a Pay Over Time balance auto-

matically. We will begin charging interest on Select

& Pay Later charges as of the date they are added

to a Pay Over Time balance.

This is the minimum amount you must pay by

the Payment Due Date each month to keep your

account current. It includes your total Pay In Full

charges plus the Minimum Amount Due on your

Pay Over Time charges. You may pay your New

Balance in full, the Minimum Payment Due, or any

amount in between. The choice is yours.

We must receive at least your Minimum Payment

Due on or before the Payment Due Date.

Advises you of what can happen if you do not pay

your Minimum Payment Due by the Payment Due

Date.

Advises you of how long it will take to pay off your

balance and that you will pay more in interest if you

pay only the Minimum Payment Due each month.

Summary of transactions separated by Pay In Full

and Pay Over Time activity, including payments

and credits, fees, and interest charged. The Account

Total section is calculated by adding the Pay In Full

and Pay Over Time sections. Mathematical symbols

help you see how your balance was created.

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Disclosure about when interest is assessed on a

Pay Over Time balance.

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Here is a summary and detailed list of both Pay

In Full and Pay Over Time charges made to your

account in the current billing period. Charges that

are eligible for Pay Over Time are easily identifiable

by the symbol.

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The amount of interest, if any, charged during the

current billing period on the Pay Over Time balance.

Total fees and interest charged to your account to

date during the current calendar year.

Includes the Pay Over Time Annual Percentage

Rate (APR), and the Pay Over Time balance(s)

subject to the Interest Rate.

This section provides important information related

to your Pay Over Time features.

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