Healthy Back Credit Affiliation
Credit is subject to approval by a third party credit company, Monogram Credit Card Bank of Georgia.  Healthy Back has no influence or control over credit approval.  Healthy Back also has no control over future billing statements.  Please call (877) 317-5544 for questions regarding your account application and purchases.

90 Days Pay Later Promotion
No Payment/Deferred Interest Advertising Disclosure
Offer is subject to credit approval by Monogram Credit Card Bank of Georgia. Applies to purchases of selected items as indicated on website made on a GECAF consumer credit card account. No finance charges assessed and no monthly payments required on the promotional purchase amount (excluding optional insurance charges) if you pay this amount in full by the payment due date as shown on your (expiration month) billing statement. If you do not, finance charges will be assessed on the promotional purchase amount from the date of purchase and minimum monthly payments will be required on the balance of the amount. If minimum monthly payments on any other balances on your account (including optional insurance charges) are not paid when due, all special promotional terms may be terminated. Standard account terms apply to non-promotional purchases and, after promotion ends, to your promotional purchases. Variable APR is 23.98% as of May 16, 2003 .

Low Monthly Payment Promotion
Fixed Payment/Reduced APR Advertising Disclosure
Offer is subject to credit approval by Monogram Credit Card Bank of Georgia. Applies to purchases made on a GECAF consumer credit card account. Minimum monthly payments of a fixed amount of 4.61% for 24 months of the promotional purchase amount (plus optional credit insurance charges) will be required each month in addition to any other required minimum payment. Finance charges will be assessed on the promotional purchase amount from the date of purchase at the fixed daily rate of .0274% (corresponding fixed ANNUAL PERCENTAGE RATE of 9.99%). If minimum monthly payments on your account (including optional insurance charges) are not paid when due, all special promotional terms may be terminated. Standard account terms apply to non-promotional purchases and, after promotion ends, to your promotional purchases. Variable APR is (21.98%) as of (date) (in PR, the fixed APR is 22.48%). Fixed APR of 24.75% applies if payment is more than 30 days past due. Minimum finance charge is $1 ($0 in PR).