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There is no FINANCE CHARGE on new charges to your account when there is no balance outstanding at the start of the billing cycle.

There is no additional charge if you pay the New Balance in full by the next payment due date shown on your statement. Average Daily Balance Method (including current purchases).

Your consent will only apply to the application, credit agreement and related disclosures, and you will not be consenting to receiving other electronic records or disclosures at this time.

If you do not want to receive the credit agreement and related disclosures electronically, you should exit the online credit application area of our web site, and your on-line application will be discontinued.

Average Daily Balance Method (including current purchases).

Aviso al comprador: Las revelaciones anteriores son exactas a la fecha de impresión en 1 de Noviembre de 2017 y eficaz 01 de Noveiembre de 2017.

Estacuenta está sujeta a los términos y condiciones de Daniels carga preferida por menor a plazos contrato de crédito que se enviarán a usted despuésde abrir su cuenta.

The finance charge will be computed on the outstanding balance each month. We figure the FINANCE CHARGE on your account by applying the periodic rate to the "average daily balance" of your account (including current transactions).

To get the "Average Daily Balance" we take the beginning balance of your account each day, not including any unpaid finance charges that are included in your account balance, add new purchases and subtract payments or credits. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. In the event that a check received from you as payment or down payment on your account is not honored by your bank, a handling charge of .00 in Arizona, .00 in Califronia, .00 in Nevada, and .00 in Texas, or the amount charged by your bank, whichever is greated, may be assessed.