“Agility Earned Rate” shall mean a conditional annual finance charge rate that will apply as long as all the Interest Trigger Conditions are fulfilled, then on the Annual Anniversary Date the Interest Rate will be reduced by 0.25%.

“Interest Trigger Conditions” shall mean that you will only qualify for the Agility Earned Rate as long as all the following conditions are fulfilled and remain fulfilled:

 - No payment holiday was given to you
 - No payment restructure was given to you
 - You pay by debit order
 - You choose an Agility Finance Agreement in the Credit Application Form
 - You shall fully comply with all terms of the Agreement, especially the payment terms.

“Annual Anniversary Date” shall mean the 12-consecutive month period beginning on the Debit Order Date and on anniversaries thereof each year;

The Agility Earned Rate will only apply for as long as all the Interest Trigger Conditions have been fulfilled. If any Interest Trigger Condition becomes unfulfilled, the Interest Rate will immediately change to the Interest Rate agreed between the Parties at Contract Start Date.