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ing on a credit evaluation. The minimum payment is the sum of (a) the greater of: (i) interest and fees shown on your statement + $10; or (ii) 5% of the New Balance, excluding amounts on special payment plans, (b) any balance over your credit limit, © any amounts past due not included in (b) above, and (d) the amount of any equal payments plan instalments then due. Balances under $10 are due in full. For residents of Quebec, the period between the statement date and the due date for payment is 2