No Interest If Paid in Full Within 12 Months (Yard Card)

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the 12 month promotional period or if your account becomes 60 days past due. The current APR for purchases is 28.99%. During the promotional period a minimum monthly payment of 1% of the purchase balance is required as disclosed on your monthly billing statement. If minimum monthly payments are made you will not pay off the balance in the 12 month promotional period. The deferred interest period will start on the date of purchase and end when paid in full or at the expiration of the 12 month period, whichever comes first. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the 12 month promotional period or if your account becomes 60 days past due. After the deferred interest period expires, the minimum payment will increase to greater of $25 or 3.5% of the account balance and interest will be charged at the then current APR for purchases until paid in full. The current APR for purchases is variable 28.99%. APR for purchases on existing accounts may vary between 22.99-28.99%. If any required minimum payment is 60 days past due, the Penalty APR, currently variable 29.99% will apply to remaining balances. The Penalty APR for existing accounts may vary between 28.99-29.99%. Minimum interest charge $2.00. For a purchase of $2,000 or greater a one-time promotional fee of $125 will be applied to the account for this transaction. Offer subject to credit approval on Yard Card or Yard Card Plus credit card account.