Â ------------------------------------------------------------------------ Enjoy more value at The Great IndoorsÂ® when you use The Great IndoorsÂ® Gold MasterCardÂ® Card. Apply now for a convenient way to pay for purchases and receive these exclusive benefits: * Â Rewards - earn up to 2% back in valuable points, redeemable for Â merchandise at The Great Indoors * Â No cap on rewards points earned * Â No annual fee * Â Rewards Certificates are issued automatically - no forms, no requests * Â Extended warranty protection on purchases * Â Worldwide acceptance * Â Purchase AssuranceÂ® * Â Master RoadAssistÂ® Roadside Service * Â Travel Assistance Services * Â Exclusive cardholder events * Â Preferred customer service Here is the terms: print this pageImportant Credit Card Terms for The Great IndoorsÂ® Gold MasterCardÂ® Card The information below includes the costs associated with The Great Indoors Gold MasterCard Card account issued by Sears National Bank ("SNB"). The information is accurate as of March 1, 2002, but may change after that date. If you wish to find out what may have changed, write to: National Account Authorization Center, 13200 Smith Road, Middleburg Heights, OH 44130-7802. Annual fees None Annual Percentage Rate (APR) for purchases 14.40%â? (Prime** + 9.40%) as of 03/01/2002 Other APRs Cash Access APR: 15.55% (Prime** + 10.80%) as of 03/01/2002 Performance Pricing APR: 24.00%* (Prime** + 19.25%) as of 03/01/2002 Balance Transfer APR: 14.40%â? (Prime** + 9.40%) as of 03/01/2002 Variable Rate Information Your APR may vary. The rate is determined monthly by adding to the Prime Rate* 9.40% for purchases, and Balance Transfer transactions, 10.80% for Cash Access transactions, 19.25% if Performance Pricing APR applies. The rate for purchases, cash access, and balance transfers will not be lower than 14.40%. Grace period for repayment of balance for purchases Not less than 20 days. Grace periods for repayment of balances for cash access and balance transfer transactions You have no grace period in which to repay your balance before a FINANCE CHARGE will be imposed. Method of computing the balance for purchases, cash access and balance transfers Average Daily Balance (including new purchases) Minimum finance charge $1.00 for each billing period in which a finance charge is due Transaction Fee for Cash Access: 3% of the cash advance but not less than $5.00 Balance Transfer Fee: 3% of the balance transfer but not less than $5.00 Late Payment Fee: $29.00 * This rate applies if at any time you fail to pay the Minimum Payment Due by the Minimum Payment Due Date for two consecutive Billing Cycles. Once applied, this rate will be in effect until you have paid the Minimum Payment Due on time for six consecutive Billing Cycles. ** The "Prime Rate" or "Prime" is equal to the U.S. Prime Rate as published in the "Money Rates" section of The Wall Street Journal published on the first business day of each month. This rate will be applied in the following billing cycle. â? This account has a minimum APR of 14.40%, even though the Prime plus the spread in effect at any time may be less than 14.40% Here is the link: https://www.thegreatindoorsmastercard.com/cr/scripts/oasys/index.jsp?src_code=9051&tgi=Y Ron.