DEFERRED INTEREST PROMOTIONAL OFFERS ON THE BRANDSOURCE CREDIT CARD

From time to time, you may be offered special limited time only deferred interest promotional offers. Deferred interest promotional offers include the following types of offers:

• No Interest if Paid in Full in 6 Months No Interest if Paid in Full in 12 Months
• No Interest if Paid in Full in 18 Months
• No Interest if Paid in Full in 24 Months
• If the balance is not paid in full by the end of the promotional period, interest charges will be imposed from the purchase date at the purchase rate on your account which is 29.99% APR.
• These offers are not available all the time and may be limited to specific merchandise and/or purchase requirements as disclosed in the offer. Minimum monthly payments are required. Making only the minimum monthly payment will not avoid accrued interest charges and will not pay off the purchase balance by the end of the promotional period.
• Your Card Agreement, the terms of the offer, and applicable law govern these transactions including increasing APRs.

Major Purchase Plan. The Minimum Payment Due will include any amount due on a Major Purchase Plan balance. You must pay the amount due on a Major Purchase Plan balance, as described below, for so long as any portion of that balance remains in that Major Purchase Plan. However, the amount due on a Major Purchase Plan balance will never be more than the amount of that balance on the statement closing date. The amount due on each Major Purchase Plan balance each Billing Cycle is determined as follows:

• For each 0% APR Major Purchase Plan balance, we determine the payment as follows.
• We take the Major Purchase Plan’s balance on the last day of the Billing Cycle in which the Transaction is posted to your account.
• We subtract any credit protection or credit insurance fee allocated to that balance for that cycle.
• We divide the result by the number of months of the Major Purchase Plan. (The result is rounded up to the nearest dollar.)

The amount due on each 9.99% APR Major Purchase Plan balance is the smaller of:

• The repayment percentage times the Major Purchase Plan’s highest balance plus any credit protection or credit insurance fee allocated to that balance. (The result is rounded up to the nearest dollar.) Or The Major Purchase Plan’s balance on the statement closing date.

For each 9.99% APR Major Purchase Plan balance, the highest balance is the highest Major Purchase Plan balance on a statement closing date, less any credit protection or credit insurance fee allocated to that balance for that Billing Cycle, since the last time that balance was zero. The balance is zero at account opening. The repayment percentage for each Major Purchase Plan is as follows:

• 4.6140% for the 24-month Major Purchase Plan with an APR of 9.99%. 3.2262% for the 36-month Major Purchase Plan with an APR of 9.99%. 2.5358% for the 48-month Major Purchase Plan with an APR of 9.99%.