Description of the illustration big_ar_about_first_cycle.gif

The figure is a chart that shows two months, May 15 to June 15, and June 15 to July 15. It shows an account was created on May 15, and a bill was created on June 15. For each month, there is a cycle forward item. The caption reads "Cycle forward fees included in June 15 bill" and indicates both cycle forward items.