Thank you for your interest in the program.

Apply for the Home & Garden Showplace Discover® card today. The application process is easy and takes only a few minutes. Once you are approved and have received your account information, you can begin enjoying all the benefits of your Home & Garden Showplace Discover® card account.

Cardmember Benefits:

• 3% earned on Home & Garden Showplace purchases**
• 2% earned on gas and groceries**
• 1% earned on all other purchases**
• No interest if paid in full within 6 months. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the deferred interest period or if you make a late payment.†

Promotional Plan Details

†No interest if paid in full within 6 months, minimum $299 purchase required. Interest will be charged to your account (at the standard variable APR) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Any qualifying purchases must be made with your Home & Garden Showplace Credit Card, Home & Garden Showplace Discover Credit Card, True Value Credit Card or True Value Discover Credit Card at participating True Value locations or www.TrueValue.com. The Home & Garden Showplace Credit Card and the True Value Credit Card may or may not be accepted at all Home & Garden Showplace locations. Please visit http://www.truevalue.com/assets/images/cms/pdf/HGSCCLocations.pdf or http://www.truevalue.com/store_locator.jsp to find a store near you, and contact the store directly for participation details.

**Home & Garden Showplace Credit Card purchases made at participating Home & Garden Showplace locations will earn 3% back, gas and grocery purchases will earn 2% back, and all other purchases will earn 1% back in the form of Home & Garden Showplace vouchers. The Home & Garden Showplace voucher program is provided by Home & Garden Showplace. The program may be changed or discontinued at any time. For full rewards terms and conditions, please visit comenity.net/gardenplacediscover. Each merchant is assigned a code by a third party that indicates the merchant's area of business. % back will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Comenity Capital Bank does not have the ability to control assignment of merchant codes.

For all financing plans, the total minimum payment on your account won't be less than $30.00. If your account balance is less than $30.00, you must pay the amount indicated on your statement in full. To avoid late fees, you must make your minimum payment by the due date each month. Minimum Interest is $2 per credit plan. Home & Garden Showplace Discover® card has standard, variable APR's of 15.49%, 21.49%, and 26.49% based on the Prime Rate and your credit worthiness. Promotional financing available with the Home & Garden Showplace Credit Card Accounts are offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility.

The Home & Garden Showplace Credit Card is issued by Comenity Capital Bank. Discover® and the Discover acceptance marks are service marks used by Comenity Capital Bank under the license from Discover Financial Services.