Consumer

*0% APR for 24 Months with Equal Payments: Minimum purchase amount of $1,500 is required to qualify for this offer. There is a promotional fee of $125 for this transaction. The monthly payment is calculated by dividing the purchase amount and the promotional fee amount by the number of months in the offer and will pay off the balance if all payments are made on time. Other transactions, including fees and other charges, may affect your overall monthly payment amount. Standard account terms apply to non-promotional purchases. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing account holders, see your credit agreement for applicable terms. This offer may not be combined with other special financing offers. Prior purchases excluded and account must be in good standing. Offer subject to credit approval on a Yard Card credit card account. See store associate for more information. Offer expires 9/30/2018.

**3.99% APR with 54 Monthly Payments: A Minimum purchase amount of $1,500 is required. There is a promotional fee of $125 for this transaction. We determine your monthly payment amount by applying the reduced APR to the sum of your purchase amount and promotional fee amount and then dividing that amount by the number of months in the offer. This will pay off the balance if all payments are made on time. Other transactions, including fees and other charges, may affect your overall monthly payment amount. Standard account terms apply to non-promotional purchases. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing account holders, see your credit agreement for applicable terms. Offer may not be combined with other special financing offers. Prior purchases excluded and account must be in good standing. Offer subject to credit approval on a Yard Card credit card account. See store associate for more information. Offer expires 9/30/2018.

Commercial

*0% APR for 24 Months with Equal Payments: A Minimum purchase amount of $1,500 is required. A one-time promotional fee of $125 will be charged to the account for this transaction. During the 24 month promotional period a minimum monthly payment is required that is calculated by dividing the purchase amount and the promotional fee by the length of the promotional period. The promotional period will start on the date of purchase. Interest will not accrue during the promotional period. If the purchase amount, plus any applicable fees or charges is not paid in full by the end of the promotional period, interest will be charged at the APR for purchases on any remaining balances until paid in full. The current APR for purchases is 28.99%. APR for purchases on existing accounts may vary between 20.49%-29.99%. Minimum interest charge $2.00. Offer subject to credit approval on a Yard Card Plus credit card account. Offer expires 9/30/2018.

**3.99% APR with 54 Monthly Payments: A Minimum purchase amount of $1,500 is required. A one-time promotional fee of $125 will be charged to the account for this transaction. The Reduced APR of 3.99% will apply to the purchase for the 54 Month promotional period. A minimum payment equal to 2.026% of the purchase amount is due each month. If the purchase amount, plus any applicable fees or charges, is not paid in full by the end of the promotional period, interest will be charged at the current APR for purchases until paid in full. The current APR for purchases is 28.99%. APR for purchases on existing accounts may vary between 20.49%-29.99%. Minimum interest charge $2.00. Offer subject to credit approval on a Yard Card Plus credit card account. Offer expires 9/30/2018.