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What is Bill Me Later®?

Buy Fast

• Speed through checkout - no account numbers, no waiting, no worries.
• Apply when you buy Just choose Bill Me Later® at checkout and provide easy, top-of-mind information - in a few easy steps you're done.

Feel Secure

• Secure Shopping - eliminates the hassle of digging out a credit card or entering an account number.
• "Zero Fraud Liability" Protection means you are not responsible for unauthorized charges.
• Bill Me Later® is subject to credit approval and is a credit account offered through CIT Bank, Salt Lake City, Utah to US customers who are of legal age in their state of residence. Creditworthiness is determined by CIT Bank.

Pay Later

• You get a monthly statement listing all of your Bill Me Later® purchases. You have the option to manage your account and pay your bill online.
• Pay in full with no additional charges or make minimum monthly payments (interest charges apply) - the choice is yours.

Special Offer: No Payments for up to 6 Months (minimum purchase required)

• Pay with Bill Me Later® to get the special offer. The "No Payments for up to 6 Months" offer is not available from all merchants who accept Bill Me Later®.
• You may see this offer advertised as "No Payments until..." such as "No Payments until December 2010".
• See table below for offer details.

• Simply select "Yes, I'd like No Payments for up to 90 days..." in order to be eligible to receive the promotional offer.
• You will receive monthly statements and if you pay in full by the promotion expiration date as listed below you will not be charged finance charges.

• If payment in full is not made by the promotion expiration date listed above, finance charges will apply from the transaction date.
• If approved, CIT Bank will make a loan to you for the amount financed to pay for your purchase. CIT Bank will pay the merchant on your behalf to pay for the purchase.
• If you repay the amount you borrow (the amount financed) in full on or before the promotion expiration date listed above, you will repay only the amount financed, and CIT Bank will charge you no finance charge for the loan.
• Read the full Terms and Conditions of the Bill Me Later® Loan Agreement if you are ordering online or already have a Bill Me Later® account. Your purchase will be subject to a Deferred Payment Option under the Agreement.

Certain Phone Orders

If you are ordering by phone and this is the first time using Bill Me Later®, or if you previously ordered by phone and did not use the "My Way to Pay" coupon, see below. (If you already have a Bill Me Later® account, this section does not apply to you).

• Read the full Terms and Conditions of the Bill Me Later® Installment Loan Agreement.
• If you do not pay the amount financed in full by the promotion expiration date listed above, that will be your way of telling us you want to repay the loan in installments. In that case, finance charges will be charged beginning on the date of your purchase (the transaction date).
• The following are some examples, using different loan amounts (amounts financed), of what you will pay if you choose to pay in installments; the examples assume that your purchase is made on the first of the month (as noted below) and you make no payment until the corresponding payment due date (noted below):

Certain Phone Orders (Examples)

Bill Me Later® Frequently Asked Questions

Do I need to be approved prior to selecting Bill Me Later® at checkout?
No, you do not need to complete an application or get approval prior to shopping. To request a Bill Me Later® account, simply select Bill Me Later® at checkout. A separate page will appear in which you: 1) verify the billing address you've already provided the merchant, 2) supply your date of birth and the last four digits of your Social Security Number for verification purposes, 3) Review and agree to the E-sign Consent, and 4) review and approve the Bill Me Later® Terms and Conditions to request a Bill Me Later® account.

Is there an Annual Fee?
No. There is no annual fee for using Bill Me Later®.

What is the Annual Percentage Rate?
The Annual Percentage Rate is 19.99%. The Minimum Finance Charge is $2.00. Of course, you can choose to pay your entire balance in full by the payment due date and pay no finance charges.

How does the "No Payments for up to 6 Months" promotion work?
The promotional period during which you do not have to make payments will depend on the amount you spend, as shown in the table above. You will receive monthly statements for your purchases but you will not be required to make a payment until your billing statement following the promotion expiration date. You can make payments at any time during the promotional period. If you pay for your purchase in full by the promotion expiration date, you will not be billed Finance Charges. Otherwise, Finance Charges will be billed from the transaction date.

Does Bill Me Later® protect me from liability for unauthorized charges?
Yes, Bill Me Later® provides "zero fraud liability" protection; the same protection provided by most major credit cards. This means you are not responsible for unauthorized charges.

And Bill Me Later® has been designed with other features to help protect against unauthorized use of your account. Your identity is validated with top-of-mind information such as date of birth and the last four digits of your Social Security Number. This means there is no account number that can be lost or stolen.

What does Subject to Credit Approval mean?
Bill Me Later® is a credit account that you can use to make purchases. CIT Bank will review and consider your credit report and other credit related information prior to approval. Creditworthiness is determined by CIT Bank.

Do you review my credit report every time I make a purchase?
CIT Bank does not review your credit report for each transaction. However, your credit report may be reviewed for some transactions and periodically to provide you with the maximum buying power possible.

Do I have a credit line and how much is it?
CIT Bank does not issue a credit line for Bill Me Later®. To enhance your convenience, security and buying power, CIT Bank approves and extends credit for each transaction.

Where else can I use Bill Me Later®?
A growing network of merchants accepts Bill Me Later®. A complete list of the merchants that accept Bill Me Later® is provided on the Bill Me Later® website at www.billmelater.com.

How can I contact Bill Me Later® to find out more about this payment method?
You may visit the Bill Me Later® website at http://www.billmelater.com/.