A 3.9% fixed APR for the first 6 billing cycles following the opening of your account.

Grace period for repayment of purchase balances

At least 20 days, but none for balance transfers or convenience checks.

Method of computing the balance for purchases

Average daily balance method (including new purchases).

Annual fee

None.

Minimum finance charge

$1.00

Other fees

Late Payment Fee: $29.00 Over-the-Credit-Limit Fee: None

*The "Prime Rate" is the highest prime rate published in the Money Rates column of The Wall Street Journal on the 22nd day of each month if a business day; if not, on the next business day. Variable APRs are based on the 4.75% prime rate on 01/07/2002.

Authorization: When you submit your certificate or application for this credit card offer from NationWide Sales and Service, you agree to the following:

You authorize us to obtain credit bureau reports in connection with your request for an account. If an account is opened, we may obtain credit bureau reports in connection with extensions of credit or the review or collection of your account. If you ask, we will tell you the name and address of each credit bureau from which we obtained a report about you.

If an account is opened, you will receive a Cardmember Agreement with your card(s). By using the account or any card, or authorizing their use, you agree to the terms of the Cardmember Agreement.

We will allocate payments to the lowest APR first.

Claims and disputes are subject to arbitration.

The terms of your account, including the APRs, are subject to change. Any such changes will be made in accordance with the Cardmember Agreement.

We will review your credit history and income to determine if you qualify for a NationWide card and, if so, your credit access line. In certain instances, based on this review, you may receive a card with a credit access line of at least $5,000.

The minimum gross annual income required for a NationWide card is $14,400.

If you omit any information on the form, we may deny your request for an account.

Omission of any information requested on the application may be reason for denial of an account. This offer is available only to applicants who reside in the United States of America. The information about the costs of the card described in this Application is accurate as of 01/07/2002. This information may have changed after that date. To find out what may have changed, call NationWide at 1-800-555-4493. Alternatively, you may write to NationWIde Sales and Service, 55 Lamar Street, West Babylon, NY 11704.

NationWide credit cards available to U.S. residents only.

The NationWide Credit card is issued by NationWide Sales and Service which reserves the right to add or delete benefits and services at any time without notice to Cardmember