Retail Finance Programs

1.  0% Fixed APR For 36 Months with 36 Equal Payments! (exp. 5/31/08)
Offer valid subject to credit approval on purchases of $3,500 or more between 5/1/08 and 5/31/08 on your Yard Card and Yard Card Plus credit card account. A promotional fee of $125 will be added to your account for this transaction. Finance Charges will be assessed at a rate of 24.90% with 3% repayment terms if customer fails to make 2 consecutive minimum monthly payments. See dealer for details.

2.  6 Months Same as Cash followed by 3.9% Fixed APR for 36 Months! (exp. 6/30/08)
The APR will be a fixed rate of 3.9% with corresponding daily periodic rate of 0.0107% (corresponding daily periodic rate = APR divided 365) for 36 months from date of purchase. After the promotional period expires the Standard APR as described in your cardholder agreement will apply. A promotional fee of $75 will be added to your account for this transaction. No payments required (except applicable fees and charges) and No Finance charges assessed for the first 6 months. Finance charges will be assessed from date of purchase unless the total purchase price (plus any applicable fees and charges) is paid in full within the promotional period indicated and provided any other amounts due under the above Accounts are paid as agreed during the promotional period. See dealer for details.

3.   3 Months Same as Cash followed by 3.9% Fixed APR for 36 Months! (exp. 6/30/08)
The APR will be a fixed rate of 3.9% with corresponding daily periodic rate of 0.0107% (corresponding daily periodic rate = APR divided 365) for 36 months from date of purchase. After the promotional period expires the Standard APR as described in your cardholder agreement will apply. A promotional fee of $75 will be added to your account for this transaction. No payments required (except applicable fees and charges) and No Finance charges assessed for the first 3 months. Finance charges will be assessed from date of purchase unless the total purchase price (plus any applicable fees and charges) is paid in full within the promotional period indicated and provided any other amounts due under the above Accounts are paid as agreed during the promotional period. See dealer for details.

4.   12 Months Same as Cash! (exp. 6/30/08)
Offer valid subject to credit approval on purchases between 4/1/08 and 6/30/08 placed on your Yard Card or Yard Card Plus credit card account. No payments required (expect applicable fees or charges) during promotional period. Finance charges will be assessed from date of purchase, unless the total purchase price (plus any applicable fees or charges) is paid in full within promotional period. See dealer for details.

4.   6 Months Same as Cash! (exp. 6/30/08)
Offer valid subject to credit approval on purchases between 4/1/08 and 6/30/08 placed on your Yard Card or Yard Card Plus credit card account. No payments required (expect applicable fees or charges) during promotional period. Finance charges will be assessed from date of purchase, unless the total purchase price (plus any applicable fees or charges) is paid in full within promotional period. See dealer for details.

4.   3 Months Same as Cash! (exp. 6/30/08)
Offer valid subject to credit approval on purchases between 4/1/08 and 6/30/08 placed on your Yard Card or Yard Card Plus credit card account. No payments required (expect applicable fees or charges) during promotional period. Finance charges will be assessed from date of purchase, unless the total purchase price (plus any applicable fees or charges) is paid in full within promotional period. See dealer for details.