YardCard and YardCard Plus Financing Information

0% Interest for 18 Months Equal Payments: (expires June 30, 2012)

The offer is subject to credit approval on a Yard Card or Yard Card Plus credit card account. A minimum purchase of $1,500 is required. During the promotional 36 month period the minimum monthly payment is calculated by dividing the Purchase amount by the length of the promotional period. No Interest accrues during the promotional period. If your account becomes 60 days past due the penalty APR will apply. After the promotional period expires, interest will be charged at the APR for Purchases on any remaining balances until paid in full. The APR for Purchases is currently 22.99-28.99%. Current Penalty APR 28.99-29.99% will be applied to the account if it becomes 60 days past due. APRs may vary with the market based on the Prime Rate. Minimum interest charge $2.00. A one-time promotional fee of $125.00 will be applied to the account for this transaction.

0% Interest for 24 Months Equal Payments: (expires June 30, 2012)

The offer is subject to credit approval on a Yard Card or Yard Card Plus credit card account. A minimum purchase of $1,500 is required. During the promotional 24 month period the minimum monthly payment is calculated by dividing the Purchase amount by the length of the promotional period. No Interest accrues during the promotional period. If your account becomes 60 days past due the penalty APR will apply. After the promotional period expires, interest will be charged at the APR for Purchases on any remaining balances until paid in full. The APR for Purchases is currently 22.99-28.99%. Current Penalty APR 28.99-29.99% will be applied to the account if it becomes 60 days past due. APRs may vary with the market based on the Prime Rate. Minimum interest charge $2.00. A one-time promotional fee of $125.00 will be applied to the account for this transaction.

1.9% APR for 36 Months 2.86% Repay: (expires June 30, 2012)

The offer is subject to credit approval on a Yard Card or Yard Card Plus credit card account. A minimum purchase of $1,500 is required. A Reduced APR of 1.9% will apply to the purchase during the 36 month promotional period. A minimum payment equal to 2.86% of the Purchase Amount is due each month. If your account becomes 60 days past due the penalty APR will apply. After the promotional period expires, interest will be charged at the APR for Purchases on any remaining balances until paid in full. The APR for Purchases is 22.99-28.99%. Current Penalty APR 28.99-29.99% will be applied to the account if it becomes 60 days past due. APRs may vary with the market based on the Prime Rate. Minimum interest charge $2.00. A one-time promotional fee of $125 will be applied to the account for this transaction.

5.9% APR for 48 Months 2.34% Repay: (expires June 30, 2012)

The offer is subject to credit approval on a Yard Card or Yard Card Plus credit card account. A minimum purchase of $1,500 is required. A Reduced APR of 5.9% will apply to the purchase during the 48 month promotional period. A minimum payment equal to 2.34% of the Purchase Amount is due each month. If your account becomes 60 days past due the penalty APR will apply. After the promotional period expires, interest will be charged at the APR for Purchases on any remaining balances until paid in full. The APR for Purchases is 22.99-28.99%. Current Penalty APR 28.99-29.99% will be applied to the account if it becomes 60 days past due. APRs may vary with the market based on the Prime Rate. Minimum interest charge $2.00. A one-time promotional fee of $125 will be applied to the account for this transaction.

3.75% APR for 60 Months 1.82% Repay: (expires June 30, 2012)

The offer is subject to credit approval on a Yard Card or Yard Card Plus credit card account. A minimum purchase of $1,500 is required. A Reduced APR of 3.75% will apply to the purchase during the 36 month promotional period. A minimum payment equal to 1.82% of the Purchase Amount is due each month. If your account becomes 60 days past due the penalty APR will apply. After the promotional period expires, interest will be charged at the APR for Purchases on any remaining balances until paid in full. The APR for Purchases is 22.99-28.99%. Current Penalty APR 28.99-29.99% will be applied to the account if it becomes 60 days past due. APRs may vary with the market based on the Prime Rate. Minimum interest charge $2.00. A one-time promotional fee of $125 will be applied to the account for this transaction.

BOB-CAT SPECIAL
12 Months Deferred Interest with Payments: (expires June 30, 2012)

The offer is subject to credit approval on a Yard Card or Yard Card Plus credit card account. A minimum purchase of $1,500 is required.  During the 12 month promotional period a minimum monthly payment of 1% of the purchase balance is required as disclosed on the billing statement.  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 the minimum payment will increase to the greater of $25 or 3.5% of the account balance and interest will be charged at the APR for Purchases on any remaining balance until paid in full.  The APR for Purchases is 22.99-28.99%. Current Penalty APR 28.99-29.99% will be applied to the account if it becomes 60 days past due. APRs may vary with the market based on the Prime Rate. Minimum interest charge $2.00. A one-time promotional fee of $125 will be applied to the account for this transaction.