Credit Terms Deferred Interest Promotional Offer Details

Deferred Interest Promotional Offer Details: FINANCE CHARGES accrue on a promotional purchase from the date of the purchase at the regular purchase rate in effect from time to time and all accrued FINANCE CHARGES for the entire promotional period will be added to your account if the purchase is not paid in full by the end of the promotional period or if you default under your card agreement. Making the minimum monthly payment will not pay off your promotional purchase in time to avoid FINANCE CHARGES. With credit approval, for qualifying purchases made on a Sears card (Sears Commercial One(R) and Sears Home Improvement Account (sm) accounts excluded unless otherwise indicated) Offer is only valid for consumer accounts in good standing and is subject to change without notice. May not be combined with any other credit promotional offer. Promotional offers of 14 months or more require minimum monthly payments as disclosed in the offer. SEARS CARDS: APRs up to 25.99%, but if your account has a variable APR, the APR is up to 27.15% as of 7/7/08 and may vary. Sears Master cards: APR's up to 26.49%, but if your account has a variable APR, the APR is up to 28.99% as of 7/7/08 and may vary. Sears Home Improvement Account: APRs up to 18.90%, but if your account has a variable APR, APR is up to 27.15%, and may vary, variable will never be lower than 14.40% as of 7/7/08. Minimum Monthly FINANCE CHARGE: up to $1. See card agreement for details, including when the default rate applies. Sears cards are issued by Citibank (South Dakota), N.A. Sears Solutions cards are issued by HSBC Bank Nevada, N.A.