Financing is now
available through The Great Plains Laboratory using

The HELPcard^®!

6 Months (180 Days) Deferred Interest Promotion

Six Months (180 days) Deferred Interest: On deferred interest credit card transactions of $700 or more, interest will not be assessed for the first 6 months (180 days) from the posting date of this transaction, providing you meet the following conditions: You must not make a late payment (as described below) and you must pay the deferred interest balance of this transaction, plus applicable fees, in full by the expiration date of the special terms as shown on your statement.  If you do not fulfill these conditions, your account will be subject to regular rates going forward and accrued interest will be assessed from the posting date of this charge.  NOTE: The regular APR on this account is 25.99% VARIABLE (on variable rates this APR will vary with the market based on the prime rate) and the regular payment amount is 3.25% of the Highest Balance on all subaccounts.

The sum of the individual payment calculations on all subaccounts will be shown on your statement as the minimum payment. The minimum payment must be received by 5:00 PM Central Time on the due date in each cycle. Paying more than the required amount in one billing cycle does not allow you to skip payments in the cycles that follow. Call 877-486-3442 or review your Cardholder Agreement for further information.

Suspension and/or Loss of Special Terms – If you make a late payment, meaning if we do not receive your minimum payment by 5:00 PM Central Time within 60 days after the due date shown on your statement, these special terms as well as any other special terms that may be in effect on other subaccounts (if any) are subject to suspension with notice, at which time the special terms on all subaccounts will revert to the regular terms disclosed above. However, your special terms on all subaccounts, if applicable, will be subject to reinstatement if: 1) we receive your full minimum payments by the due dates in the six consecutive billing cycles immediately following the billing cycle in which you made a late payment; and 2) the special terms on any given suspended subaccount(s) did not expire prior to the end of said sixth billing cycle. If these conditions are met, your special terms will be reinstated effective with the first day of the next billing cycle following the close of the billing cycle in which the sixth consecutive on time payment was received. If you fail to meet these conditions, your special terms will be canceled and all suspended special terms subaccounts will be subject to regular terms going forward. Upon expiration of any special terms period(s), accrued interest (if any) will be assessed, provided the balance of that subaccount has not been paid in full.

NOTE: Special Promotions are offered through First Electronic Bank to qualified U.S. residents with approved credit.  Creditworthiness is determined by the lender.  Special Promotional purchases may not be honored if purchases exceed your existing credit limit or if you are delinquent on your account.  The offers of such Special Promotions are subject to change or cancellation without notice and are only available through authorized participating merchants.   The HELPcard is issued by First Electronic Bank and serviced by HC Processing Center.     

                                                                                              Form 325HVSAPE14 valid from 12.29.2010 thru 03.28.2012