<p>Payments in excess of the Minimum Payment Due are applied in accordance with law. This means that we will generally apply payments in excess of the Minimum Payment Due to higher APR balances first. However, excess payments received before a Special Event promotion expires are applied to the Special Event promotional balance first in the last two billing cycles of the promotional period. And, if the expiration date of a Special Event promotion is before the payment due date in the billing cycle in which the Special Event promotion expires, excess payments received before the Special Event promotion expires are applied to the Special Event promotional balance first in the last three billing cycles of the promotional period. Payments equal to or less than the Minimum Payment Due and credits are applied at our discretion and you authorize us to apply payments and credits in a way that is most favorable or convenient for us. This may include applying such payments and credits to lower APR balances first and to balances with longer promotional periods first. To allocate excess payments to your Special Event balance, please contact the number on the back of your card.</p>