This document explains the key features of the Argos Card.

Please read it carefully to ensure you understand

the product and how it works. You should also consider the "Pre-Contract Information" which you should
read and keep safely. If you have any Q's please contact us on 0845 640 0700

Using the Card

The Argos Card is a store card that can be used to buy goods in stores, online and over the telephone from
Argos, Homebase and selected other retailers. The Argos Card allows you to repay over a period of time
You can use your Argos Card to purchase goods on various different plans. From time to time we will offer
promotional purchases onto a Special Plan, such as a Buy Now Pay Later Plan. If a promotional purchase is
available, we will tell you before you make the purchase. The "Normal Plan" is used for all other purchases
and for interest or charges that are added to the account. At the end of a promotional period, special plans
will move back onto the "Normal Plan".
The Special Plans that are available are:

Buy Now Pay Later - We offer 3, 6, 9 and 12 month buy now pay later plans. No payments need to be
made during that period. So for example, if you buy something on a 6 month buy now pay later, you
will not need to make any payments for 6 months. If you repay during that period, no interest will be
charged but a 29 fee may be payable (we will tell you before you make the purchase if this will be
the case). If you do not repay before the end of the 6 months, we will move the balance onto the
Normal Plan and you will need to pay interest at 29.9%. This interest will be back-dated to the date
of the transaction so the plan is only interest free if repaid within the relevant period. From 14 June
2014 the interest for the period will be added to the Normal Plan when the period expires and we
will require you to repay it over the same period. So if, for example, 60 interest was added at the
end of the period, you would be required to repay 10 a month for 6 months as part of your
minimum repayment.
Interest Free Plan - this plan operates in a similar way to an interest free loan. You must repay the
purchase in equal instalments over the set period and we will not charge any interest on the
purchase.
Fixed Payment Plan - this plan again operates in a similar way to a loan in that you must repay the
purchase in equal instalments over the set period. Interest will be charged during this period. We
will tell you the interest rate before you make the purchase.
Interest Opt Out Plan - this is similar to the Buy Now Pay Later Plan in that no interest will be
charged if you repay within the set period but interest will be back-dated if you do not repay in that
time. The difference is that a minimum payment will be required each month.
Zero Interest Option Plan - This Plan is similar to the Interest Opt Out Plan but no interest will be
charged during the set period even if the plan is not repaid in that time. Any remaining balance will
be transferred to the Normal Plan at the end of the period but interest will not be back-dated.

Once a special plan expires any remaining balance will move to the Normal Plan and you will pay the
higher rate of interest. This means that you may end up paying more as a result. These plans may not be
the most suitable form of borrowing if you are not able to repay within the period.
Unless we have said a rate will be fixed for a specific period, we may vary the interest rates at any time. The
varied rate will apply to back dated interest from the date of the variation.

Repayments
Unless all your purchases are on Buy Now Pay Later Plans, you must make a minimum payment each month.
The minimum repayment will be the total of:
(a) the specified monthly payments for your Interest Free Plans and Fixed Payment Plans; plus
Up to 14 June 2014 the following clause will apply
(b) for each other Plan that you have, 4% of the total amount owing that month on that Plan, or 2 if
that is greater or, if the amount on the Plan is 2 or less, the full amount that you owe on that Plan;
the amount of any charges incurred by you for breaking this agreement.
From 14 June 2014 the following clause will apply
(b) for each other Plan that you have, the higher of:
(i) 3.2% of the total amount owing that month on those Plans, or
(ii) 5, or
(iii) the total amount of interest added to your account in relation to all Plans other than Buy Now
Pay Later Plans since your last statement plus 1% of the remaining balance; plus
(c) the proportionate amount of any interest that has been added to your account in relation to a Buy
Now Pay Later Plan at the end of the Buy Now Pay Later Period, calculated as set out above in
relation to the Buy Now Pay Later Plan; plus
(d) the amount of any charges incurred by you for breaking this agreement.
(e) the amount of any insurance added to your account that month
Your monthly statements will tell you when you must make your repayments which will be at least
25 days after the statement date.
You may choose to pay more than that each month. Only paying the minimum payment means that it will
take longer and cost more to repay what you owe.
We will generally apply your payments to the plan with the highest interest rate first unless you have a Buy
Now Pay Later Plan which is about to expire in the following month. In that case we will assume you want to
repay that plan before any others.

Missing Payments
If you miss a payment then, as well as continuing to pay interest on the overdue amount, you will have to
pay a Late Payment fee of 12 and (if applicable) a Returned Cheque or Returned Direct Debit fee of 12. If
you remain in arrears, you will also have to pay a Letter Fee of 12 if we or our appointed collections agent
sends you a letter about your outstanding debt. (These charges may be varied.) This means that if you miss
payments the total cost of the loan will increase.
If you don't make payments when they are due or otherwise break the agreement:

we will charge you any losses or costs that we have to pay as a result of you breaking the agreement;
you may have to repay everything you owe under the agreement early;
we may use money that we owe you to pay a missed payment or everything you owe us;
your credit records may be affected in a way that makes it more difficult or expensive for you to get
further credit;
you may face legal action to recover what you owe.

Withdrawing from the Agreement

You will have 14 days from the time we send you your Argos Card in which to change your mind and tell us
verbally or in writing that you want to withdraw from the agreement. If you withdraw from the agreement,
you will have to repay the purchases you have made on the card plus the interest up until that date. You will
need to repay that amount within 30 days of telling us that you want to withdraw