Thank you for your interest in the program.

Cardmember Benefits

• 3% in rewards points earned on True Value purchases**
• 2% in rewards points earned on gas and groceries**
• 1% in rewards points earned on all other purchases where Discover is accepted**
• No interest if paid in full within 6 months on purchases made with your True Value Discover card at participating True Value locations. 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 purchase of $299 required.†

*Subject to credit approval.

**True Value Discover Credit Card purchases made at participating True Value 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 True Value vouchers. The True Value voucher program is provided by True Value. The program may be changed or discontinued at any time. For full rewards terms and conditions, please visit comenity.net/truevaluediscover. Each merchant is assigned a code by a third party that indicates the merchant's area of business. 2% 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.

†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 True Value Credit Card, True Value Discover Credit Card, Home & Garden Showplace Credit Card or Home & Garden Showplace Discover Credit Card at participating True Value locations or www.TrueValue.com. The True Value Credit Card and the Home & Garden Showplace credit card may or may not be accepted at all True Value locations. Please visit http://www.truevalue.com/store_locator.jsp or http://www.truevalue.com/assets/images/cms/pdf/HGSCCLocations.pdf to find a store near you, and contact the store directly for participation details.

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 $2.00 per credit plan. True Value Discover® card has standard variable APR's of 26.49%, 21.49%, and 15.49% based on the Prime Rate and your credit worthiness. Promotional financing available with True Value Discover® Credit Card Accounts is offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility

The True Value Discover® 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.