Valid on purchases made through January 31, 2013

• Valid for first Bill Me Later purchase only.
• You will receive $10 back as a statement credit (within 1-2 billing cycles).
• No minimum purchase required.
• If you have already made a purchase using your Bill Me Later account, you are not eligible to receive the $10 statement credit.
• Limit 1 per customer. Non-transferable.

No Payments + No Interest if paid in full in 6 months on purchases of $99 or more

Valid on purchases made through January 31, 2013

• We'll send you reminders to let you know when your statement is available online and when payments are due.
• You can also view your account information online at any time to stay on top of purchases and make payments.
• Pay the amount financed for this purchase in full by the promotion expiration date on your statement.
• Take advantage of promotional financing on multiple purchases up to your available credit line. We'll help you keep track of when each promotional balance is due.

• If you'd like to take more time to pay, interest will accumulate at an Annual Percentage Rate (APR) of 19.99% starting from the date of this purchase.
• The accumulated or "deferred" interest will be added to your account balance when the promotional period for this purchase expires, if the balance is not paid in full.
• Deferred interest amounts and expiration dates are available on your statement and online at any time - so you can stay informed along the way.

More time to pay on purchases of $0 - $98.99

Valid on purchases made through January 31, 2013

Buy now and pay later with Bill Me Later for eligible purchases up to $98.99.

• The choice is yours:
• Pay your balance in full by the payment due date on your statement and avoid paying interest, or
• Make minimum payments until your balance is paid in full and pay interest from the date of purchase.
• We'll send you email reminders when payments are due - and you can keep track of purchases and view your statements online.