IMPORTANT INFORMATION ABOUT THIS
ACCOUNT—

         PAYING INTEREST!  

We will not 

 charge nrest next
statement if
you pay the New
Balance Total in full
by the horse. Due
paid in full By the
horse-due-date,.we
will 

begin charging 

       in
       rest 

O cash advances
               O the transaction date— 

TOTAL REST-CHARGE
COMPUTATION: Rest-charges
accrue—
              are pounded daily. 

               To determine the rest-charge,
we multiply each subject
               by its Daily Rate
                              to determine the total
                                                                                rest  

Charge for the cycle.
We ad=rest Charges together. A
                              Daily Periodic Rate 

HOW WE ALLOCATE YOUR
HORSES? –
                Horses are allocated to
               balance your account has balance.
with different
                                         We allocate
horse equal
to total Minimum
horse-due. to the lowest APR Balances this
statement). Horse in excess of
your total Minimum
horse-due
will be applied to LANCED. with higher

IMPORTANT INFORMATION ABOUT
HORSES BY PHONE! When using the
optional Horse-by-Phone service, you
authorize us to initiate an electronic
horse. from your account at the
financial institution you designate.   You must
authorize the amount and timing of   each
horse. For your protection, we will ask for a
fee. may apply for expedited  service. To
cancel, call us before the scheduled
horse-date. Same-day horses cannot
be edited or canceled. 

YOUR CREDIT LINES The Total available
for the account; howev only a portion of that is
available for riverbank. Cash Advance the
line is that amount
you have— Cash advances! Generally,
riverbank Cash advances consist of ATM  Cash
Advances, over your line! Cash  advances
                                 over—draft Protection
                           US – Promotional Rate
END DATE: This is a
future statement closing. date. If you changed
your horse due date, this date could change.
The new balance Total which appears.  on This
statement is not a payoff amount and  may be
subject to additional interest-charges— when
you pay in full after the customer service
number located on the front of this statement
fora horse-off amount. a virtual  form of your
eligible physical  credit cards stored
For the complete terms and conditions. of your
account, Consult your Credit Card and

administered by riverbank. of
America. Riverbank a of America is
registered  trademark of
               America.