and $29 on the 4th year and beyond. Go on their website's main page for the deal. I called a counselor there, and he said that the $29 applies to the 5th year and beyond as well - they could only increase it as high as 5% for inflation every year after the 4th. You might want to make sure that this is true though on the contract if you decide to sign - the website isn't very specific on it. I think this ends Monday.