Yard Card and Yard Card Plus Programs

3.75% APR for 60 Months Equal Payments! (exp. 3/31/11)

The offer is subject to credit approval on your Yard Card or Yard Card Plus credit card account on purchases over $2000 between 2/1/11 and 3/31/11. A Reduced APR of 3.75% will apply to my purchase during the 60 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 standard APR for Purchases on any remaining balances until paid in full. Current standard APR for Purchases is 28.99%. Current Penalty APR 29.99% will be applied to your 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 $100 will be applied to the account for this transaction.

Same as Cash until July 4th 2012! (exp. 3/31/11)

The offer is subject to credit approval on a Yard Card or Yard Card Plus credit card account on purchases over $500 between 2/1/11 and 3/31/11. During the Deferred interest promotional period a minimum monthly payment is required as disclosed on your billing statement. Interest charges accrue at the standard APR for purchases from the date of purchase until the end of the promotional period and will be applied to your account balance if the purchase amount, fees and charges are not paid in full by expiration of the promotional period or if your account becomes 60 days past due. After the promotional offer period expires, interest will be charged at the standard APR for Purchases on any remaining balances until paid in full. Current Standard APR Purchases is 28.99%. Current Penalty APR 29.99% will be applied to your 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 $50 will be applied to the account for this transaction. -

0% for 36 Months Equal Payments! (exp. 3/31/11)

The offer is subject to credit approval on your Yard Card or Yard Card Plus credit card account on purchases over $2000 between 2/1/11 and 3/31/11. 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 standard APR for Purchases on any remaining balances until paid in full. Current standard APR for Purchases is 28.99%%. Current Penalty APR 29.99% will be applied to your 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. -

0% for 24 Months Equal Payments! 3/31/11

The offer is subject to credit approval on your Yard Card or Yard Card Plus credit card account on purchases over $2000 between 2/1/11 and 3/31/11. 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 standard APR for Purchases on any remaining balances until paid in full. Current standard APR for Purchases is 28.99%%. Current Penalty APR 29.99% will be applied to your 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. -

12 Months Same as Cash! (exp. 3/31/11)

The offer is subject to credit approval on a Yard Card or Yard Card Plus credit card account on purchases over $500 between 2/1/11 and 3/31/11. During the 12 Month promotional period a minimum monthly payment is required as disclosed on your billing statement. Interest charges accrue at the standard APR for purchases from the date of purchase until the end of the promotional period and will be applied to your account balance if the purchase amount, fees and charges are not paid in full by expiration of the promotional period or if your account becomes 60 days past due. After the promotional offer period expires, interest will be charged at the standard APR for Purchases on any remaining balances until paid in full. Current Standard APR Purchases is 28.99%. Current Penalty APR 29.99% will be applied to your 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 $50 will be applied to the account for this transaction. -

6 Months Same as Cash! (exp. 3/31/11)

The offer is subject to credit approval on a Yard Card or Yard Card Plus credit card account between 2/1/11 and 3/31/11. During the 6 Month promotional period a minimum monthly payment is required as disclosed on your billing statement. Interest charges accrue at the standard APR for purchases from the date of purchase until the end of the promotional period and will be applied to your account balance if the purchase amount, fees and charges are not paid in full by expiration of the promotional period or if your account becomes 60 days past due. After the promotional offer period expires, interest will be charged at the standard APR for Purchases on any remaining balances until paid in full. Current Standard APR Purchases is 28.99%. Current Penalty APR 29.99% will be applied to your account if it becomes 60 days past due. APRs may vary with the market based on the Prime Rate. Minimum interest charge $2.00. -

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