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SCHEDULE 1.1(f)

"High Collar" means (i) with respect to the Finance Charge Reversal Percentage applicable to the Private Label Accounts, [***], (ii)

with respect to the Late Fee Reversal Percentage applicable to the Private Label Accounts, [***], (iii) with respect to the dollar

amount of Average Interest Free Receivables as a percentage of Average Private Label Receivables, [***]%, or, in each case, such

other level as may from time to time be set by the Management Committee.

"Low Collar" means (i) with respect to the Finance Charge Reversal Percentage applicable to the Private Label Accounts, [***], (ii)

with respect to the Late Fee Reversal Percentage applicable to the Private Label Accounts, [***], (iii) with respect to the dollar

amount of Average Interest Free Receivables as a percentage of Average Private Label Receivables, [***], or, in each case, such other

level as may from time to time be set by the Management Committee.