On purchases with your Modern Builders Supply, Inc. Credit Card, interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within 6 months or if you make a late payment. Minimum Monthly Payments Required.* *Valid on all purchases on a Modern Builders Supply, Inc. Credit Card account. On promo purchase balance, monthly payments required, but no Finance Charges will be assessed if (1) promo purchase balance paid in full in 6 months, and (2) all minimum monthly payments on account paid when due. Otherwise, promo may be terminated and treated as a non-promo balance. Finance Charges accrued at the Purchase APR will be assessed from purchase date. Regular rates apply to non-promo balances, including optional charges. Promo purchases on existing accounts may not receive full benefit of promo terms, including reduced APR if applicable, if account is subject to Penalty APR. Payments over the minimum will be applied as required by applicable law. As of 2-1-10, variable APR: 29.99% & on all accounts in default, Minimum Finance Charge $2.00. Subject to approval by Synchrony Financial.