Any unpaid portion not received by the due date will no longer form part of the equal payments plan and interest will accrue on that amount from the day after the date of your next statement at the applicable regular annual rate. This item is perishable and must ship Overnight. For the purposes of this section, “inactivity” means that there has been neither a transaction in which you have collected eCTM, nor a transaction in which you have redeemed eCTM during the period in question.