EFTA00123775

201269

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# Important Notice of a Change in Terms

Please review the Important Change to Your Account Terms below and keep this information for your records. All other account terms and conditions are unchanged.

## Important Changes to Your Account Terms

The following change to the Late Payment Fee will take effect on July 22, 2018.

You have the right to reject this change until 8 p.m. ET on July 21, 2018 by calling 1-877-282-0513. If you reject this change, your account will be closed.

<table border="1"><tr><td colspan="2">Revised Terms, as of July 22, 2018</td></tr><tr><td>Late Payment Fee</td><td>Up to $38.</td></tr></table>

Late payment fees will be based on the amount of the minimum payment due and whether the account was late during the previous six billing cycles.

If you have questions about this change, please call us at between 8 a.m. and 8 p.m. ET.