Pricing Addendum to the Bill Me Later Terms and Conditions

Annual Percentage Rate (APR) for Standard, Promotional and Financed Installment Purchases

19.99%*, 18.99%*

Annual Percentage Rate (APR) for Cash Advances

19.99%*, 18.99%*

Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on Standard or Promotional Purchases (excluding Promotional Purchases subject to a Deferred Interest option) or Cash Advances if you pay the entire balance by the due date each month. We will charge interest on a Deferred Interest Purchase from its transaction date, unless you pay the Deferred Interest balance in full by its expiration date, which will be at least 6 months after the transaction date. We will begin charging interest on Financed Installment Purchases on the transaction date. 
Minimum Interest Charge If I am charged interest, the charge will be no less than $2.00.
Annual Fees None.
Installment Purchase Transaction Fee 2% of the total amount of each Installment Purchase**
Penalty Fees
Late Payment Fee
Return Check Fee
If the minimum payment
due is:

Less than $25.00
$25.00 or greater
Up to $25.00

The late fee is:

Up to $5.00
Up to $35.00
Balance Computation Method We will compute the interest for each part on the "Average Daily Balance" (including new Purchases and Cash Advances) for that part during the Billing Cycle. To get the Average Daily Balance for each part, we will take the beginning balance for each part each day and add any new Purchases, Cash Advances and adjustments posted that day, including billed interest and billed Fees; then subtract any payments and any credits. This gives us the "Daily Balance." Then, we add up all the Daily Balances for the Billing Cycle for that part and divide the total by the number of days in the Billing Cycle. The result is the Average Daily Balance for that part. We will treat any Daily Balance which is a credit balance as zero.

*From time to time, Lender may offer Standard Purchases or Promotional Purchases with a lower rate that may apply for a limited time.

**From time to time, Lender may waive the Installment Purchase Transaction Fee in connection with an Installment Purchase promotional offer.

rev. 06/12