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What i I pay late?

I you dont pay at least the minimumpayment by the due date, youll becharged a late payment ee o $X.

In addition, i you make a late payment,you will be in deault and you may besubject to interest rate increases.

I you are late more than once in a sixmonth period, the late payment eewill go up to $Y. I you make on timepayments or six months, it will returnto $X.

What do I have to pay and when?

We will send your bill to the address on fle. You agree to pay allauthorized charges on the bill, including interest and ees. You agreeto pay us or charges that we allow over your credit limits. You mustpay at least the minimum payment by the due date stated on each bill.

Your minimum payment will be [insert ormula].

We choose which balances to pay with the minimum payment. Weapply payments above the minimum to balances with the highestAPRs frst.

You must pay in U.S. dollars, without restrictive terms, and accordingto all the other standard payment instructions. Mailed paymentsshould be sent to [payment address].

What are the charges?

Interest rate or [period] on purchases X% APR Interest rate ater [period] on purchases X% APR

Interest rate on balance transers X% APR + Balance transer ee (per transaction) X%

Interest rate on cash advances X% APR + Cash advance ee (per transaction) X%

Penalty interest rate X% APR Late payment ee $X/$Y

Special Promotions How is interest calculated?

We calculate interest using the daily balance method with compounding.This means that interest compounds daily.

We will not charge you interest on purchases i you pay your ull accountbalance by the due date each month. This is called a grace period. Iyou do not take advantage o the grace period, we will charge intereststarting the day you make a purchase. I you do not pay your ull accountbalance on time in any month you will lose your grace period until you payyour ull account balance on time x months in a row. You pay interest on

cash advances or balance transers rom [date].

Your APRs are variable, except [excluded rates]. They increase or decrease with the prime rate. From the [day] o eachbilling period, we apply APRs based on the prime rate published x business days beore the end o that period. Todetermine your APRs we add to the prime rate: x percentage points or purchases ater [period], x percentage points orbalance transers, x percentage points or cash advances, and x percentage points or the penalty interest rate.

You may use your card or purchases, cash advances, orbalance transers. Each type o charge will have its ownbalance. Each balance may have a separate interest rate.

1. Costs

For each underlined word or phrase,the defnition in the Consumer FinancialProtection Bureau Defnition o CreditCard Terms is part o your contract.

These defnitions are available at www.cpb.gov or www.abcbank.com. Or call1-800-xxx-xxxx or a ree printed copy.

Welcome to ABC Bank.

Youll fnd the terms o your credit card here.Its a contract that starts as soon as you sign or use the card.

Returned payment ee $X

Replacement card ee $X

Rush card ee $X

Foreign currency transaction ee X%

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We can change some o your rates and other terms in accordance with the law. This table shows some o the possiblechanges. Written notice will explain how changes apply. You cannot change the terms o this agreement.

How are billing and other disputes handled?

Some o our rights Some o your rights

You have the right to close theaccount by [doing this]. You mustpay all outstanding amounts on the

account. Interest will continue toaccrue on your unpaid balance.

You have the right to dispute chargeson your bill, including billing errors,unauthorized charges or charges orunsatisactory goods or services.

What are the other terms or this agreement?

I your bill has an error or a charge you did not authorize,you must tell us in writing within 60 days ater you get thatbill. You must ollow all instructions on that bill. I we fndno error ater investigation, you owe us the original

amount plus applicable interest and ees.

I you are not satisfed with a purchase, you may not haveto pay i you contact us in writing beore paying us or thatpurchase. You must ollow all dispute instructions on yourbill and assign to us your claim against the merchant.

The Billing Rights Notice urther explains your rights.

Type o Change What may trigger change Advance notice

Penalty interest rate applies tonew charges [penalty rate inormation] 45 days

Other interest rate increase on newcharges

In the frst year, a promotional rateends or the prime rate changes.Ater that, any reason

Promotional rate ends or prime ratechanges, no notice. Otherwise, 45 days

Penalty interest rate applies toexisting balances

I you are 60 days past due 45 days

Other interest rate increase onexisting balances

Promotional period ends, prime ratechanges, or a workout arrangement

No notice required or per terms oworkout arrangement

Increase or decrease to credit limits Any reason None

Some ees and other terms Can change or any reasonUp to 45 days or certain ee andminimum payment changes

Privacy

We may report inormation aboutyou to credit reporting agencies.

We may share inormation about theaccount with authorized users.

We may contact you by dierentmeans, as allowed by law.

The Privacy Notice urther explainshow we may share your data.

2. Changes

3. Additional Inormation

We reserve the right to not allowcharges, including a recurring chargethat we previously allowed.

I we sue you to collect debt owingon the account, you agree to pay usreasonable attorneys ees and costs.

We may assign the contract toanother company without notice.

We can close the account at anytime without notice. I we closethe account, you must still pay all

outstanding amounts on the account.Interest will continue to accrue onyour unpaid balance.

I we close the account or i youdeault, we can demand immediatepayment in ull, except orprotected balances.

Other defned terms in this contractare: We or us means ABC Bankand any and all afliates, parents,subsidiaries, and directors, ofcersand employees o same. You meansyoursel and any authorized users othe account.

We do not guarantee that your card

will be accepted when you attempt touse it.

You cannot assign the contract.

I any part o this agreement is oundto be unenorceable, the rest willremain in eect.

Do not exceed your credit limits.

Federal law and the law o [State] willgovern all disputes between us aboutthis account.