Wells Fargo Financial Retail Services
Home Projects® Visa® Credit Card Program - Dual-line Variable APR Visa® Card

Featured Offer: No Interest for 6 Months

• Real Value Inc now offering 6-months no interest financing store wide all purchases totaling $2000 & up
• Subject to customer credit approval and lender terms
• Offer valid in any of our Real Value Inc or Elements Stores
• Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.
• Offer ends December 31st 2010.

*The Real Value Visa® credit card is issued by Wells Fargo Financial National Bank. Special terms apply to purchases charged with approved credit at participating merchants. Regular minimum monthly payments are required during the promotional period. Interest will be charged to your account from the purchase date at the regular APR if the purchase balance is not paid in full within the promotional period or if you make a late payment. For newly opened accounts, the regular APR is 25.99%. The APR may vary. The APR is given as of 8/1/10. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. If you use the card for cash advances, the cash advance fee is 4% of the amount of the cash advance, but not less than $10.00. Offer expires 12/31/2010.

Quarterly Annual Percentage Rate (APR)For newly opened accounts, the daily periodic rate used to figure the interest will be a variable rate, subject to quarterly changes, and based on prime rate. The prime rate we use is the U.S. prime rate published in the Money Rates section of The Wall Street Journal on the first business day of the month preceding the month of the rate change date.  If more than one U.S. prime rate is published on that day, the average of the prime rates will be used. If the prime rate is no longer published or is otherwise unavailable, we may select a comparable rate. The rate change date for each quarter is the first day of the first billing cycle beginning on or after January 1, April 1, July 1 and October 1. The daily periodic rate for a billing cycle is figured by adding 22.74 percentage points to the prime rate for that billing cycle and dividing the sum by 365.
For example, the most recent quarterly Annual Percentage Rate (APR) review date was March 1, 2010. On that day, the applicable prime rate was 3.25%. Therefore, the variable rate will be 25.99% APR for newly opened accounts effective April 1, 2010.  You will be advised of any update to the APR on subsequent effective dates.