1 If your application for the L.L.Bean Mastercard is instantly approved, you will receive a one-time discount of 15% off your llbean.com purchase, valid during your current website visit to llbean.com when you pay with your new L.L.Bean Mastercard. Once this llbean.com visit has ended, this offer is no longer valid. Excludes shipping charges; return labels; taxes; license/stamps; gift cards; repairs; duty; engraving; monogramming; alterations; Outdoor Discovery Programs private lessons, custom adventures, adventure trips and youth programs; L.L.Bean for Business orders; and the 2021 America the Beautiful – National Parks and Federal Recreational Lands Annual Pass. Not valid on previous purchases or with employee discounts. Cannot be combined with other percent-off or dollar-off discounts. All refunds will match the discounted amount on the purchase receipt. L.L.Bean reserves the right to deactivate promo code(s) in the event of fraud or technical issues and to limit quantities of individual items eligible for purchase with this discount.

For your security, you cannot use your card on orders shipping to an address other than your billing address until your new L.L.Bean Mastercard arrives in the mail and is activated. Electronic gift cards cannot be purchased using your L.L.Bean Mastercard until you receive your card in the mail and activate it.

2 Bean Bucks: You will earn a percentage on all eligible net purchases: 4% at L.L.Bean’s businesses in the U.S; 2% at gas stations; 2% at restaurants; 1% on all other eligible net L.L.Bean Mastercard purchases. You may only earn 1%, not 2%, for gas purchases at superstores, supermarkets, convenience stores and warehouse clubs or for fuel purchased for use for non-automobile purposes; and only 1%, not 2%, on restaurant purchases at bakeries and certain restaurants/cafes inside department stores, grocery or warehouse clubs, as determined by L.L.Bean in its discretion, due to merchant codes which are out of the control of Citibank or L.L.Bean. Bean Bucks are not earned on balance transfers, convenience checks, cash advances, credits, returned purchases, foreign currency purchases, unauthorized purchases, annual fees, money orders, wire transfers, bets, lottery tickets or casino gaming chips, credit insurance premiums, credit protection fees, interest charges, credit card fees and purchases made with Bean Bucks. If your account is closed or you fail to use your L.L.Bean Mastercard for at least one (1) purchase every twenty-four (24) months, you will not be able to earn Bean Bucks and you will lose any accumulated Bean Bucks that have not been redeemed. Additional exclusions apply. See the L.L.Bean Mastercard Rewards Program Terms of Use at www.llbean.com/rewardsprogram. The L.L.Bean Mastercard Rewards Program is offered by L.L.Bean. L.L.Bean may terminate or change any benefit, reward, service or feature offered in connection with the L.L.Bean Mastercard account at any time for any reason. Citibank, N.A. is not responsible for products and services offered by other companies.

3 Free Shipping: Eligibility requires the L.L.Bean order to be paid for by the use of the Card or entirely with Bean Bucks. Applies to L.L.Bean’s standard shipping to the U.S. and does not apply to express shipping, oversized freight delivery, L.L.Bean for Business orders or shipping to addresses outside of the U.S. Free Return Shipping: Eligibility on returns for an item purchased at L.L.Bean requires the item to have been paid for by the use of the Card or entirely with Bean Bucks. Does not apply to express shipping, items requiring oversized freight shipping nor is it valid for L.L.Bean for Business items or items returned from International locations. Free Monogramming: Eligibility to receive the free monogramming service (“Monogramming”), for those items which have been purchased at L.L.Bean with use of the Card or entirely with Bean Bucks and for which Monogramming is offered. Monogramming does not apply to L.L.Bean for Business orders or International orders.

4 As of 02/01/2021, the APR for purchases and the APR for balance transfers is 14.99% - 23.99% based on your creditworthiness and the APR for cash advances is 25.24%. These APRs will vary with the market based on Prime Rate. The Minimum Interest Charge is $0.50. The cash advance fee is 5% of each transaction; minimum $10. The balance transfer fee is 5% of each transaction, minimum $10, and the transaction fee for foreign purchases is 3% of each purchase transaction in U.S. dollars. See card agreement for details.

L.L.Bean Mastercard is issued by Citibank, N.A. Citi and Arc Design is a registered trademark of Citigroup Inc. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. L.L.Bean and Bean Bucks are registered trademarks of L.L.Bean, Inc.