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*Subject to credit approval and availability. Based upon information which may be obtained in part from your credit report, you may be offered either the True Value Discover card or True Value Credit Card Account. Comenity Capital Bank issues the True Value Discover Card and True Value Credit Card.

Discover® and the Discover acceptance mark are service marks used by Comenity Capital Bank under the license from Discover Financial Services.

**True Value Discover credit card purchases made at participating True Value stores and affiliated retailers will earn 3% back in rewards points, gas and grocery purchases will earn 2% back in rewards points, and all other purchases will earn 1% back in rewards points where Discover® is accepted, in the form of in-store True Value vouchers. The True Value Rewards program is provided by True Value. The program may be changed or discontinued at any time. For full terms and conditions, visit comenity.net/truevalue or 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 the 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 True Value Credit Card Accounts: The total minimum payment on your account won't be less than $27.00. If your account balance is less than $27.00, 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. The True Value credit card has a standard, variable APR of 27.99% (as of 11/1/18) based on the Prime Rate. Promotional financing available with the True Value credit card accounts are offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility.

For True Value Discover(R) Card Accounts: 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 per credit plan. True Value Discover® card has standard, variable APR's of 15.99%, 21.99%, and 26.99% (as of 11/1/18) based on the Prime Rate and your credit worthiness. Promotional financing available with the TrueValue Discover® Credit Card Accounts are offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility.

***All 24-Hour Roadside Assistance services are provided by Brickell Financial Services-Motor Club, Inc., d/b/a Road America Motor Club, administrative offices at 7300 Corporate Center Drive, 6th Floor, Miami, FL 33126. (For Mississippi and Wisconsin customers, services are provided by Brickell Financial Services-Motor Club, Inc. For California customers, services are provided by Road America Motor Club, Inc. d/b/a Road America Motor Club).