With Payments/Deferred Interest

Description: Minimum monthly payments are required during promotional period. Interest accrues during promotional period and will be assessed if promotional purchase balance not paid in full within promotional period.

No Interest if Paid in Full Within Promotional Period*
On Purchases with your Service Experts’ credit card. Interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within promotional period or if you make a late payment. Minimum Monthly Payments Required. Account fees apply.*

*If promo and debt cancellation are not paid in full within promotional period, interest at APR 26.99% will be assessed from purchase date. If account goes 60 days past due, promo may be terminated early and accrued interest will be billed. As of 6/1/2011, Purchase APR 26.99%; Penalty APR 29.99%. Activation Fee $29.00. Minimum Interest $2. Existing cardholders refer to your current credit agreement for rates and terms. Subject to credit approval.

With Payment/Reduced APR

Minimum monthly payments are required during promotional period. Reduced APR will be assessed until promotion paid in full or is terminated.

Reduced APR until Paid in Full*
On Purchases with your Service Experts’ credit card. Minimum Monthly Payments Required. Account fees apply. Penalty APR may apply if you make a late payment.*

*Interest will be assessed at a reduced APR until promo paid in full if all minimum monthly payments on account, including debt cancellation, paid when due. If account goes 60 days past due, promo may be terminated early and standard account terms will apply. As of 6/1/2011, Penalty APR 29.99%. Activation Fee $29.00. Minimum Interest $2. Existing cardholders refer to your current credit agreement for rates and terms. Subject to credit approval.

Fixed Payment/Reduced APR

Payments of a fixed percentage or fixed dollar amount are required until promotion paid. Reduced APR is assessed until promotion paid in full or is terminated.

Reduced APR until Paid in Full*
On Purchases with your Service Experts’ credit card. Fixed Minimum Monthly Payments Required. Account fees apply. Penalty APR may apply if you make a late payment.*
For new account holders: after the promotion ends, an APR of 26.99% will apply.*

*Fixed monthly payments equal are required but interest will be assessed at a reduced APR if all minimum monthly payments on account, including debt cancellation, paid when due. If account goes 60 days past due, promo may be terminated early and standard account terms will apply. As of 6/1/2011, Penalty APR 29.99%. Activation Fee $29.00. Minimum Interest $2. Existing cardholders refer to your current credit agreement for rates and terms. Subject to credit approval.

Equal Payment/No Interest

Equal monthly payments during promotional period. Interest does not accrue during promotional period. This promotion IS designed to pay promotional balance in full within promotional period.

No Interest for Promotional Period*
On Purchases with your Service Experts’ credit card. Equal Fixed Minimum Monthly Payments Required. Account fees apply. Penalty APR may apply if you make a late payment.*
For new account holders: after the promotion ends, an APR of 26.99% will apply.*

*Equal monthly payments are required until expiration but no interest will be assessed if all minimum monthly payments on account, including debt cancellation, paid when due. If account goes 60 days past due, promo may be terminated early and standard account terms will apply. As of 6/1/2011, Penalty APR 29.99%. Activation Fee $29.00. Minimum Interest $2. Existing cardholders refer to your current credit agreement for rates and terms. Subject to credit approval.