No Interest If Paid in Full within 12 months*

On Purchases of $400 or more with your Baer's card made between February 2010 to December 2010. Interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within 12 months or if you make a late payment.

*Valid On Purchases of $400 or more with your Baer's card made between February 2010 to December 2010. On promo purchase balance, monthly payments required, but no Finance Charges will be assessed if (1) promo purchase balance paid in full in 12 months, and (2) all minimum monthly payments on account paid when due. Otherwise, promo may be terminated and treated as a non-promo balance. Finance Charges accrued at the Purchase APR will be assessed from purchase date. Regular rates apply to non-promo balances, including optional charges. Promo purchases on existing accounts may not receive full benefit of promo terms, including reduced APR if applicable, if account is subject to Penalty APR. Payments over the minimum will be applied as required by applicable law. As of {insert date}, variable APR: 28.99% & on all accounts in default, Penalty APR: 29.99% Minimum Finance Charge $2.00. Subject to approval by GE Money Bank.