MILITARY STAR® promotions subject to credit approval. Minimum payments required; failure to make minimum payments for three billing cycles will cancel promotional rate. Standard account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases: As of December 18, 2015, a variable 10.49% APR applies to Retail Plan Purchases; and variable 18.49% APR applies to accounts subject to Penalty APR. Minimum Interest Charge: 50¢. See Exchange Credit Program Agreement for more details. Offer valid till December 20, 2016. Valid only at myNavyExchange.com and NEX Facilities. Excludes Army and Air Force Exchange Service, shopmyexchange.com, Marine Corp and Coast Guard facilities. Certain restrictions and limitations may apply.