diff --git a/content/modals/US/legacy_ppc_ezp.json b/content/modals/US/legacy_ppc_ezp.json
index 35d489d5f6..5ba5c779ab 100644
--- a/content/modals/US/legacy_ppc_ezp.json
+++ b/content/modals/US/legacy_ppc_ezp.json
@@ -24,7 +24,7 @@
             "title": "About promotional offers",
             "text": "PayPal Credit promotional offers are available for a limited time only and may vary, depending on where you shop. Offers aren't valid on previous returns, refunds, and exchanges, or when using the Send Money feature in your PayPal account."
         },
-        "disclaimer": "PayPal Credit is subject to credit approval as determined by the lender, Synchrony Bank, and is available to US customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Offers not valid on previous purchases, returns or exchanges. Minimum purchase required is before shipping and tax. For New Accounts: Variable Purchase APR is {aprEntry.apr}%. The APR is accurate as of {aprEntry.formattedDate} and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.",
+        "disclaimer": "PayPal Credit is subject to credit approval as determined by the lender, Synchrony Bank, and is available to US customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Offers not valid on previous purchases, returns or exchanges. Minimum purchase required is before shipping and tax. For New Accounts: Variable Purchase and Cash APR is {aprEntry.apr}%. Variable Penalty APR is 35.99%. The APRs are accurate as of {aprEntry.formattedDate} and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.",
         "copyright": "Copyright {fullYear} Bill Me Later, Inc. All rights reserved."
     }
 }
diff --git a/content/modals/US/legacy_ppc_ni.json b/content/modals/US/legacy_ppc_ni.json
index 33d572ec7c..77136150ee 100644
--- a/content/modals/US/legacy_ppc_ni.json
+++ b/content/modals/US/legacy_ppc_ni.json
@@ -14,7 +14,7 @@
                 "Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.",
                 "A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.",
                 "No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.",
-                "For New Accounts: Variable Purchase APR is {aprEntry.apr}%. The APR is accurate as of {aprEntry.formattedDate} and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.",
+                "For New Accounts: Variable Purchase and Cash APR is {aprEntry.apr}%. Variable Penalty APR is 35.99%. The APRs are accurate as of {aprEntry.formattedDate} and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.",
                 "Individual items that are less than $149 qualify for special financing when combined for a total of $149 or more in a single transaction.",
                 "Multiple separate transactions of less than $149 per transaction cannot be combined to meet the minimum purchase amount."
             ]
@@ -30,7 +30,7 @@
                 ["monogram", "Click the PayPal button at checkout and pay with PayPal Credit."]
             ]
         },
-        "disclaimer": "PayPal Credit is subject to credit approval as determined by the lender, Synchrony Bank, and is available to US customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Offers not valid on previous purchases, returns or exchanges. Minimum purchase required is before shipping and tax. For New Accounts: Variable Purchase APR is {aprEntry.apr}%. The APR is accurate as of {aprEntry.formattedDate} and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.",
+        "disclaimer": "PayPal Credit is subject to credit approval as determined by the lender, Synchrony Bank, and is available to US customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Offers not valid on previous purchases, returns or exchanges. Minimum purchase required is before shipping and tax. For New Accounts: Variable Purchase and Cash APR is {aprEntry.apr}%. Variable Penalty APR is 35.99%. The APRs are accurate as of {aprEntry.formattedDate} and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.",
         "copyright": "Copyright {fullYear} Bill Me Later, Inc. All rights reserved."
     }
 }
diff --git a/content/modals/US/v2_ppc_ni.json b/content/modals/US/v2_ppc_ni.json
index 7c28ea01f3..b148f68548 100644
--- a/content/modals/US/v2_ppc_ni.json
+++ b/content/modals/US/v2_ppc_ni.json
@@ -32,7 +32,7 @@
             "Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.",
             "A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.",
             "No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.",
-            "For New Accounts: Variable Purchase APR is {aprEntry.apr}%. The APR is accurate as of {aprEntry.formattedDate} and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.",
+            "For New Accounts: Variable Purchase and Cash APR is {aprEntry.apr}%. Variable Penalty APR is 35.99%. The APRs are accurate as of {aprEntry.formattedDate} and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.",
             "Individual items that are less than {formattedMinAmount} qualify for special financing when combined for a total of {formattedMinAmount} or more in a single transaction.",
             "Multiple separate transactions of less than {formattedMinAmount} per transaction cannot be combined to meet the minimum purchase amount."
         ],
@@ -45,7 +45,7 @@
                 ["Terms and Conditions.", "https://www.paypalobjects.com/marketing/web/us/en/ppcterms/ppcterms.html"]
             ],
             [
-                "PayPal Credit is subject to credit approval as determined by the lender, Synchrony Bank, and is available to U.S. customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Offers not valid on previous purchases, returns or exchanges. Minimum purchase required is before shipping and tax. For New Accounts: Variable Purchase APR is {aprEntry.apr}%. The APR is accurate as of {aprEntry.formattedDate} and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00."
+                "PayPal Credit is subject to credit approval as determined by the lender, Synchrony Bank, and is available to U.S. customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Offers not valid on previous purchases, returns or exchanges. Minimum purchase required is before shipping and tax. For New Accounts: Variable Purchase and Cash APR is {aprEntry.apr}%. Variable Penalty APR is 35.99%. The APRs are accurate as of {aprEntry.formattedDate} and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00."
             ],
             ["Copyright {fullYear} Bill Me Later, Inc. All rights reserved."]
         ],
diff --git a/tests/functional/v2/snapshots/modal/api/US/DEV_US_NO_INTEREST/desktop/99-Shows_correct_content_for_amount-desktop-snap.png b/tests/functional/v2/snapshots/modal/api/US/DEV_US_NO_INTEREST/desktop/99-Shows_correct_content_for_amount-desktop-snap.png
index 7cabc106da..341a100f03 100644
Binary files a/tests/functional/v2/snapshots/modal/api/US/DEV_US_NO_INTEREST/desktop/99-Shows_correct_content_for_amount-desktop-snap.png and b/tests/functional/v2/snapshots/modal/api/US/DEV_US_NO_INTEREST/desktop/99-Shows_correct_content_for_amount-desktop-snap.png differ
diff --git a/tests/functional/v2/snapshots/modal/api/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png b/tests/functional/v2/snapshots/modal/api/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png
index 4a669a12a5..eb6d78fc28 100644
Binary files a/tests/functional/v2/snapshots/modal/api/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png and b/tests/functional/v2/snapshots/modal/api/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png differ
diff --git a/tests/functional/v2/snapshots/modal/sdk/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png b/tests/functional/v2/snapshots/modal/sdk/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png
index c73a28ed67..c035a7d1a8 100644
Binary files a/tests/functional/v2/snapshots/modal/sdk/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png and b/tests/functional/v2/snapshots/modal/sdk/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png differ
diff --git a/tests/functional/v2/snapshots/modal/standalone/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png b/tests/functional/v2/snapshots/modal/standalone/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png
index c73a28ed67..c035a7d1a8 100644
Binary files a/tests/functional/v2/snapshots/modal/standalone/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png and b/tests/functional/v2/snapshots/modal/standalone/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png differ
diff --git a/tests/functional/v2/snapshots/modal/webpage/US/DEV_US_NO_INTEREST/desktop/99-Shows_correct_content_for_amount-desktop-snap.png b/tests/functional/v2/snapshots/modal/webpage/US/DEV_US_NO_INTEREST/desktop/99-Shows_correct_content_for_amount-desktop-snap.png
index c8525db109..2e761e04f0 100644
Binary files a/tests/functional/v2/snapshots/modal/webpage/US/DEV_US_NO_INTEREST/desktop/99-Shows_correct_content_for_amount-desktop-snap.png and b/tests/functional/v2/snapshots/modal/webpage/US/DEV_US_NO_INTEREST/desktop/99-Shows_correct_content_for_amount-desktop-snap.png differ
diff --git a/tests/functional/v2/snapshots/modal/webpage/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png b/tests/functional/v2/snapshots/modal/webpage/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png
index 8b11c8863c..96206de569 100644
Binary files a/tests/functional/v2/snapshots/modal/webpage/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png and b/tests/functional/v2/snapshots/modal/webpage/US/DEV_US_NO_INTEREST/mobile/99-Shows_correct_content_for_amount-mobile-snap.png differ