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NO PAYMENT PROMOTIONS

9 Months No Payment, No-Interest Option or No Payments No Interest Until 2010 (Nov)

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The Home Projects Visa® card issued by Wells Fargo Financial Bank is a dual-line credit card. Special terms apply to purchases charged with approved credit using your Home Projects line of credit. No payments are required during the special-terms period. The no-interest option means there is no interest if your purchase is paid in full within the special-terms period; otherwise, interest accrues from date of purchase at the regular APR. Depending upon the date you opened your account the regular APR for your Home Projects line of credit is 23.90%. The standard APR for transactions using your Visa line of credit will be 23.90%. The default APR for transactions using your Visa line of credit will be 27.90%. All APRs given are as of January 1, 2009. All APRs may vary. If you use your card for cash advances, the cash advance fee is 3% of the amount of the cash advance, but not less that $10.00. Offer expires November 30, 2009.