DISCLOSURES AND DETAILS ON CREDIT PROGRAM

Deferred Interest

Interest accrues on promotional purchase during promotional period at the account-holder’s standard rate for their account and is shown on the billing statement as accrued interest. Interest will be assessed if promotional purchase is not paid in full within promotional period. Fixed Monthly Payments required equal to 2.5% of the highest balance applicable to this promo purchase until paid in full.

Fixed Payment / Reduced APR

Interest is assessed on a promotional purchase at a reduced APR starting from the purchase date. Fixed monthly payments are required until paid in full. The fixed monthly payment is calculated by multiplying the amount financed by a payment factor that allows the financed amount and reduced interest to be paid by the end of the promotional period.

Equal Payment / No Interest

No interest is assessed on the promotional purchase. The equal monthly payment is calculated by dividing the amount financed by the number of months in the promotional period allowing the financed amount to be paid by the end of the promotional period.