Product Name Definition

Dear Yard Financing Program Dealer:

The Yard Financing program has already benefited thousands of Lawn & Garden dealers across the country - it is time for your store to take advantage of this outstanding program today! The Yard Financing Program now offers 2 essential products that are available to all Lawn & Garden dealers nationwide. All you need to do is apply!

Product Name Yard Card Yard Card PLUS

Definition

A revolving consumer credit card program offering promotional financing options. Great for repeat business and building loyalty!

A revolving commercial credit card program offering promotional financing options. Great for repeat business and building loyalty!

The program has become a very important tool for all dealers. Benefits include:

Higher average tickets for big purchases

Multiple financing programs available

Services the financing needs of your customers

Many equipment manufacturers support the Yard Financing Program by sponsoring special financing promotions throughout the year.

Take advantage of this program today. Applying is quick and easy!

To sign up for the Yard Financing Program provided by TD Retail Card Services, simply:

Review the Dealer Agreement Complete Dealer Application Check off the manufacturer/s you are affiliated with on the second page of the Application Additional information may be required such as tax returns or a current financial statement if you are not affiliated

with a sponsoring Manufacturer listed on the back page. The Federal Tax ID # and Social Security # fields MUST BE filled in for your Application to be processed Attach a voided check to the Dealer Application with the completed ACH form. TD RCS may request any of the following documents when reviewing the dealer application: Articles of Incorporation or

applicable formation documents, a government issued business license, Certificate of Good Standing, or Partnership Agreement. Please fax the completed dealer application along with voided check to 201-818-0641. If you prefer to send by mail, please send to:

TD Retail Card Services

P.O. Box 731

Mahwah, NJ 07430

Attn: Merchant Services

If you have any questions regarding your enrollment, please call Merchant Services at (800) 538-3638.

Michael Lupo Senior National Account Manager - VP TD Retail Card Services (201) 661-6482

YARDCARD-ENLTR (0418)

YARD FINANCING PROGRAM

Q&A

1. What is the Yard Financing Program?

The Yard Financing program is a suite of financing products consisting of the Yard Card consumer and Yard Card PLUS commercial credit cards.

2. Why should I use Yard Financing Program?

It gives your customers special financing offers and terms providing a revolving line of credit at the time an account is established. This provides you with the ability to offer customers higher end products.

3. How difficult is it to sign up?

It is a simple process. Complete a dealer application and return it to TD Retail Card Services, who will review your application and send you all the required supplies (upon approval). If you are already established with TD Retail Card Services, you don't need to do anything.

4. What is Yard Card and Yard Card PLUS?

A revolving credit card that can be used for new and used equipment, parts, service, and virtually all products sold at participating lawn and garden dealers. Loyalty through repeat purchases is also created with the store name out on every card which is originated in your store.

5. Why not just use Visa, MasterCard or Corporate Cards?

There are special promotions available through the Yard Financing Programs that you can use at any time to close sales. Various manufacturers or your distributor may elect to support product sales with special retail promotions on the card. You can also use our promotions to meet individual sales objectives. Does VISA or MasterCard offer you this?

6. What can my customers purchase with the Yard Card Financing Program?

With Yard Card Financing revolving products, customers may purchase all brands of new and used equipment, parts, service, and other products that lawn and garden dealers sell, such as landscaping supplies and go-carts. (Items such as guns, ammunition, titled vehicles and boats are excluded).

7. Are there programs available for use anytime to close sales?

Yes, you are provided with a plan Promotion Guide for each of the commercial and consumer programs which gives various, competitively priced, deferred interest and fixed rate payment options that can be used at any time to close sales.

8. What is a "Deferred Interest with Minimum Monthly Payments" promotion?

The customer is required to pay a minimum monthly payment equal to 3.5% of the purchase balance during the promotional period. Interest accrues at the standard account APR during the promotional period. Customer must pay more than minimum monthly payments in order to pay the balance in full by the end of the promotional period. Accrued interest is charged to the customer's account if the original purchase amount is not paid in full by the end of the promotional period.

9. What is a "Reduced APR with Fixed Monthly Payments" promotion?*

During the promotional period the minimum monthly payment amount is determined by applying the reduced APR to the purchase amount and then dividing that amount by the number of months in the offer. This will pay off the balance if all payments are made on time.

10. When is TD Retail Card Services available for processing applications and credit authorizations?

TD processes applications 24 hours a day 7 days a week via our automated process. TD representatives are available 24 hours a day, 7 days a week.

11. Do you have a toll-free phone number?

Yes, TD Retail Card Services has toll-free phone numbers to process applications, provide approvals, and answer your questions. Sales Above Credit Limit 1-800-688-3448 VRU Voice Line Other Credit Inquiries 1-877-548-9357 Merchant Services 1-800-538-3638 Customer Service 1-800-252-2551 Commercial Applications (Fax) 1-800-627-6386 Commercial Applications (Status) 1-800-556-5010

Financing provided by TD Retail Card Services A Division of TD Bank, N.A.

Page 1

*This applies to the Yard Card consumer program only.

YFP-Q&A-(1117)

CONSUMER FINANCING PROMOTIONS

Eligible Dealers

6 Months Same As Cash with Payments

All Yard Card Dealers established with TD Retail Card Services are eligible for

Deferred Interest if Paid in Full within X Months: Minimum purchase $X. To avoid

the base programs listed below.

interest, you must pay the full promotional balance before the promotional period ends.

If you do not, we will charge interest from the purchase date at the Standard APR. After

Eligible Products

In most cases, the dealer's full line of products are eligible for financing, including new and used equipment and parts, service warranties and landscaping supplied. However, certain products such as boats and certain licensed motor vechicles, etc. do not qualify. Go carts and Golf carts may be financed.

promotional period ends, the Standard APR also applies to the remaining balance. Minimum monthly payments required, but they will not pay off the balance in time. You must make larger payments to avoid the interest. Prior purchases excluded. Account must be in good standing. Other finance plans may be available. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts,

Dealer Responsibility

Complete ALL information on-line. Brand, model #, serial # & product description

see your credit agreement for applicable terms. Subject to credit approval. Yard Card financing account issued by TD Bank, N.A.

are required. Failure to enter this information will result in delayed funding.

X.XX% APR with X Monthly Payments: Minimum purchase $X. There is a

promotional fee of $125 for this transaction. X.XX% APR from date of eligible

Plan Number

purchase until paid in full. Monthly payment amount equals the purchase amount and

A plan number is required on every sales transaction. Plan number drives the customer's terms. Refer to specific programs and promotions for plan numbers

estimated interest for the length of the offer divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay the offer balance in full. Other transactions and charges affect the total monthly payment amount. Prior

Plan Description

purchases excluded. Account must be in good standing. Standard account terms apply to purchases that do not qualify. New accounts: Standard Purchase APR 29.99%.

Standard Revolving: Standard financing terms apply. Interest will be charged Minimum interest charge $1. Existing accountholders, see your credit agreement for

on the unpaid purchase balance at the APR for standard purchases. New applicable terms. Subject to credit approval. Yard Card financing account issued by

accounts: Standard Purchase APR 29.99%. Minimum interest charge $1. TD Bank, N.A.

Existing account holders, see your credit agreement for applicable terms.

Offer subject to credit approval on a Yard Card credit card account. See store

associate for more information.

Plan Description Standard Revolving

Original Amount of Credit

Transaction

Monthly Repayment

Factor

Minimum APR

Dealer Cost

Promo Fee

No Minimum

3.50%

29.99% Contact Us

$0

Plan Number

12919

Plan Type 0

Deferred Interest if Paid in Full within 6 Months Minimum $199

3.50% 29.99% Contact Us

$0

16006

24

Deferred Interest if Paid in Full within 9 Months Minimum $299

3.50% 29.99% Contact Us

$0

16007

24

Deferred Interest if Paid in Full within 12 Months Minimum $499

3.50% 29.99% Contact Us

$0

16008

24

3.99% APR with 36 Monthly Payments

Minimum $1,500 2.952%

3.99% Contact Us $125

20046

9

5.99% APR with 48 Monthly Payments

Minimum $1,500 2.348%

5.99% Contact Us $125

20047

9

3.99% APR with 54 Monthly Payments

Minimum $1,500 2.026%

3.99% Contact Us $125

20048

9

3.99% APR with 60 Monthly Payments

Minimum $1,500 1.841%

3.99% Contact Us $125

16015

9

For Credit Approvals, Fax the Commercial Application to 1-800-627-6386 For Add-on Sales, call the Credit Department at 1-800-688-3448 For other credit inquires, call 1-800-808-6950 For any additional questions, plan information , supplies such as sales slips or credit applications, or if you are not set up with TD Retail Card Services, and would like to be, please call Merchant Services at

1-800-538-3638.

You may choose not to receive future fax messages of this nature. To opt-out please contact us at 1-800-538-3638 between the hours of 9:00AM and 5:00PM Eastern Time or Fax to 1-201-818-6214. We will honor your request within 30 days of the opt-out date.

This flyer is for your information only! It does NOT contain information required for consumer advertising. TD Retail Card Services reserves the right to perform random audits of sales transactions submitted under the program.

Financing provided by TD Retail Card Services A Division of TD Bank, N.A.

*Pricing is Subject to Change.

YC-SPS-CONSUMER-V1 (0219)

COMMERCIAL FINANCING PROMOTIONS

Eligible Dealers

6 Months Same As Cash with Payments Deferred Interest if Paid in Full within X Months: A minimum purchase amount of

All Yard Card Dealers established with TD Retail Card Services, are eligible for the base programs listed below.

$X is required. During the X month promotional period a minimum monthly payment is required as disclosed on your billing statement. If minimum monthly payments are made you will not pay off the balance in the X month promotional period. Payments

Eligible Products

above the minimum amount due are required to avoid paying the deferred interest.

In most cases, the dealer's full line of products are eligible for financing, including new and used equipment and parts, service warranties and landscaping supplied. However, certain products such as boats and certain licensed motor vechicles, etc. do not qualify. Go carts and Golf carts may be financed.

The deferred interest will start on the date of purchase and end when paid in full or at the expiration of the X month period, whichever comes first. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the X month promotional period. After the deferred interest period expires, interest will be charged at the current APR for purchases until paid in full. The current APR for

Dealer Responsibility

purchases is 28.99%. APR for purchases on existing accounts may vary be-tween

Complete ALL information on-line. Brand, model #, serial # & product description are required. Failure to enter this information will result in delayed funding.

20.49-29.99%. Minimum interest charge $2.00. Offer subject to credit approval on a Yard Card Plus credit card account. (Plan Type 24)

Plan Number

A plan number is required on every sales transaction. Plan number drives the customer's terms. Refer to specific programs and promotions for plan numbers.

Plan Description

Standard Revolving: Standard financing terms apply. Interest will be charged at the APR for Purchases on the unpaid balance until paid in full. The current APR for purchases is 28.99%. APR for purchases on exist-ing accounts may vary between 27.99-29.99%. Minimum interest charge $2.00. Offer subject to credit approval on a Yard Card credit card account. (Plan Type 0)

Reduced APR with X Monthly Payments: A minimum purchase amount of $1,500 is required. A one-time promotional fee of $125 will be charged to the account for this transaction. The Reduced APR of X.XX% will apply to the purchase for the X Month promotional period. A minimum payment equal to X.XXX% of the purchase amount is due each month. If the purchase amount, plus any applicable fees or charges, is not paid in full by the end of the promotional period, interest will be charged at the current APR for purchases until paid in full. The current APR for purchases is 28.99%. APR for purchases on existing accounts may vary between 20.49%-29.99%. Minimum interest charge $2.00. Offer subject to credit approval on a Yard Card Plus credit card account. (Plan Type 9)

Plan Description Standard Revolving

Original Amount of Credit

Transaction

Monthly Repayment

Factor

Minimum APR

Dealer Cost

Promo Fee

No Minimum

3.50% 28.99% Contact Us

$0

Plan Number

14580

Plan Type 0

Deferred Interest if Paid in Full within 6 Months Minimum $199

3.50% 28.99% Contact Us

$0

15536

24

Deferred Interest if Paid in Full within 9 Months Minimum $299

3.50% 28.99% Contact Us

$0

15537

24

Deferred Interest if Paid in Full within 12 Months Minimum $499

3.50% 28.99% Contact Us

$0

15538

24

3.99% APR with 36 Monthly Payments

Minimum $1,500 2.952% 3.99% Contact Us $125

15464

9

5.99% APR with 48 Monthly Payments

Minimum $1,500 2.348% 5.99% Contact Us $125

15465

9

3.99% APR with 54 Monthly Payments

Minimum $1,500 2.026% 3.99% Contact Us $125

15466

9

3.99% APR with 60 Monthly Payments

Minimum $1,500 1.841% 3.99% Contact Us $125

15545

9

For Credit Approvals, Fax the Commercial Application to 1-800-627-6386 For Add-on Sales, call the Credit Department at 1-800-688-3448 For other credit inquires, call 1-800-808-6950 For any additional questions, plan information , supplies such as sales slips or credit applications, or if you are not

set up with TD Retail Card Services, and would like to be, please call Merchant Services at 1-800-538-3638.

You may choose not to receive future fax messages of this nature. To opt-out please call1-800-538-3638 between the hours of 9:00AM and 5:00PM Eastern Time or Fax to 1-201-818-6214. We will honor your request within 30 days of the opt-out date.

This flyer is for your information only! It does NOT contain information required for consumer advertising. TD Retail Card Services reserves the right to perform random audits of sales transactions submitted under the program.

Financing provided by TD Retail Card Services A Division of TD Bank, N.A.

YC-SPS-COMMERCIAL-V1 (0219)

Dealer Application

PLEASE COMPLETE ALL INFORMATION. ONCE COMPLETED PLEASE FAX APPLICATION AND PROOF OF ENTITY TO 201-818-0641 FOR PROCESSING.

TO CHECK FOR STATUS PLEASE CONTACT MERCHANT SERVICES AT 1-800-538-3638 (Allow 10 Business Days for Processing)

For Office Use Only Merchant # Store #

SECTION 1 Complete Dealer Name

APPLICANT INFORMATION d/b/a

Federal Tax / Identification Number

Organization Type Corporation

S. Corporation

Principal Dealer Address

City

Nature of Business

Partnership

Sole Proprietorship

Limited Liability Company

State

Zip

Website

Years in Business No. Locations

Area Code / Phone Number

(

)

-

Area Code / Fax Number

(

)

-

Email Address

Has a bankruptcy ever been filed by or against Dealer?

No

Yes If Yes, please explain:

Has Dealer or any of Dealer's officers, partners or owners previously completed a dealer application with TD Retail Card Services, A division of TD Bank, N.A.?

No

Yes If Yes, please explain:

Is the Dealer currently a defendant in any court suits or legal actions?

No

Yes If Yes, please explain:

Are there any unpaid, delinquent taxes against Dealer?

No

Yes If Yes, please explain:

SECTION 2

Each managing officer, partner and owner of Dealer must provide TDRCS and its affiliates with the information requested below for identification and verification purposes. Entities that file 10-K reports pursuant to the Securities Exchange Act of 1934 are exempt from completing section 2. Must be completed by all beneficial owners with at least 25% control of the entity.

Name

Name

Name

Name

Title

Title

Title

Title

% owned

% owned

% owned

% owned

Residence

Residence

Residence

Residence

City

City

City

City

State

State

State

State

Zip

Zip

Zip

Zip

E-Mail

E-Mail

E-Mail

E-Mail

Home Phone No.

(

)

-

Social Security Number

-

-

Date of Birth

Home Phone No.

(

)

-

Social Security Number

-

-

Date of Birth

Home Phone No.

(

)

-

Social Security Number

-

-

Date of Birth

Home Phone No.

(

)

-

Social Security Number

-

-

Date of Birth

Date

TD Retail Card Services, A division of TD Bank, N.A.

Date

Date

Date

If you have more than one (1) store location please attach a completed store list.

Page 1 TDRCS-USGEN-APP-CAP#48446-0518

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