6 Months Deferred Interest Plan

This plan offers differed interest with payments: no interest charges for 6 months.

A minimum monthly payment is required during the promotional period equal to 3.5% of the new balance of the purchase.

Interest charges accrue from the date of purchase until the end of the promotional period.

Accrued interest charges are added to the Account if the original purchase amount and any applicable fees or charges are not paid in full by the expiration of the promotional offer period.

After the promotional offer period expires, interest will be charged at the APR for Purchases on any remaining balance until paid in full.

This plan is best for applicants who will pay the balance in full in 6 months.

24 Months Equal Payment 9.90% APR Plan

This plan offers promotional APR 9.90% with 24 payments: The reduced APR will apply to the purchase for the 24 month promotional period.

During the promotional period the minimum monthly payments are calculated by adding the principal payment amount calculated by dividing the Purchase amount by the length of the promotional period and the interest due for each billing cycle.

The payment amount will vary each month. After the promotional period expires, interest will be charged at the higher APR for Purchases on any remaining balance until paid in full.