*Terms and conditions apply, call for details. The Annual Percentage Rates used for each of the credit lines are based on a variable rate, subject to quarterly changes, and based on the highest prime rate published in the Money Rates section of The Wall Street Journal on the first day of the month preceding the month of the rate change date. If the prime rate changes in connection with a quarterly review, the variable Annual Percentage Rates will be increased or decreased accordingly. The rate change date for each quarter is the first day of the 1st billing cycle beginning on or after January 1, April 1, July 1 and October 1. The most recent quarterly review date was December 1, 2008. On that day, the applicable prime rate was 4.00%. Therefore, the new variable rate will be 21.90% APR for the Home Projects portion of the account and 12.90% APR for the regular Visa part of the account. The new APRs will be reflected for the first time on the cardholders’ January 2009 billing statement. For new customer accounts beginning March 1, the new variable rate for the Home Projects portion of the account will be 23.90% APR and will be reflected on the cardholder’s first billing statement beginning in April 2009.