MEDCHOICE PLATINUM

NO INTEREST 6 AND 12 MONTHS DISCLOSURE (6 or 12 MONTHS DEFERRED INTEREST PAYMENT REQUIRED):

No Interest if paid in full within 6 or 12 months. Minimum purchase required: $3000 for 6 months; $1000 for 12 months. When you use your MedChoice Platinum credit card account issued by World Financial Network National Bank (WFNNB), WFNNB's Interest will be charged to your account from the date of purchase if the Total Amount Financed is not paid in full by 6 or 12 months from date of purchase or if you fail to make any payment when due. Provider assessed finances charges (typically at the time of purchase) are not those of WFNNB; rather, Provider assessed finance charges are part of the total Amount Financed upon which WFNNB's finance charged are based. Payments are required during the promotional period (as described in your credit card agreement). After the promotional period, the APR will be a variable rate, as of January 1, 2010, APR is 10.15% for Tier 7,12.25% for Tier 6, 14.25% for Tier 5, 16.25% for Tier 4,18.25% for Tier 3, 21.25% for Tier 2, 24.25% for tier 1 accounts, this rate may vary, minimum monthly FINANCE CHARGE of $1.00.
 

MEDCHOICE PREMIUM

6, 12, 18 MONTHS DEFERRED INTEREST PAYMENT REQUIRED:

No Interest if paid in full within 6, 12, or 18 months. Minimum purchase required: $499 for 6 months; $999 for 12 months; $2000 for 18 months. W hen you use your MedChoice Premium credit card account issued by World Financial Network National Bank (WFNNB), WFNNB's Interest will be charged to your account from the date of purchase if the Total Amount Financed is not paid in full by 6, 12 or 18 months from date of purchase or if you fail to make any payment when due. Payments are required during the promotional period (as described in your credit card agreement). After the promotional period, the APR will be a variable rate, as of January 1, 2010, that APR is 24.99%, minimum monthly FINANCE CHARGE of $1.00.

MEDCHOICE PLATINUM

LOW APR PROGRAM DISCLOSURE (12, 24, 36 MONTHS LOW APR, EQUAL PAYMENT):

Minimum purchase required: $999 for 12 months; $1999 for 24 months; $2999 for 36 months. When you use your MedChoice Platinum credit card account, issued by World Financial Network National Bank (WFNNB), WFNNB's finance charges on the Total Amount Financed for the promotional credit plan purchase, are assessed on promotional credit plan purchases from the date of purchase through the end of the promotional period. Provider-assessed finance charges (typically at the time of purchase) are not those of WFNNB; rather, Provider-assessed finance charges are part of the Total Amount Financed upon which WFNNB's finance charges are based. The minimum payment will be the Total Amount Financed including the calculated WFNNB finance charges that will be assessed from the date of purchase through the end of the promotional period divided by the number of months between the date of the purchase and the promotional period end date (minimum $75.00) rounded up to the nearest whole dollar. If the Total Amount Financed is not paid in full before the promotional period ends or regular revolving and/or any promotional plan payments are not paid when required for two consecutive billing cycles, under this or any other MedChoice Platinum promotional credit plan, the remaining balance and the WFNNB finance charges will be included in your regular revolving balance and regular credit terms will apply. During the promotional period, the promotional credit plan purchase is subject to an APR of 9.99%. After the promotional period ends regular credit terms will apply. As of January 1, 2010, APR is 10.15% for Tier 7,12.25% for Tier 6, 14.25% for Tier 5, 16.25% for Tier 4,18.25% for Tier 3, 21.25% for Tier 2, 24.25% for tier 1 accounts, this rate may vary, minimum monthly FINANCE CHARGE of $1.00.

MEDCHOICE PREMIUM

BUDGET PAY W/ PAYMENT--$99/ $199/ $299:

When you use your MedChoice Premium credit card account provided by World Financial Network National Bank, Interest is assessed on the total amount financed for the promotional credit plan purchases from the date of purchase through the end of the promotional period ($99 budget pay, minimum purchase of$800; $199 budget pay, minimum purchase of$1199; $299 budget pay, minimum purchase of$1799). Payments are required during the promotional period (as described in your credit card agreement). If the promotional credit plan purchase is not paid in full before the promotional period ends or if you fail to make any payment when due, the remaining balance will be included in your regular revolving balance and regular credit terms will apply. During the promotional period, the promotional credit plan purchase is subject to an APR of 17.99%. After the promotional period ends regular credit terms will apply and the APR will be a variable rate, as of January 1, 2010 the APR is 24.99%, this rate may vary, minimum monthly Finance Charge of $1.00.
 

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