*On approved credit. An annual fee, as set out in your Account Agreement, may be charged to your account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement, Disclosure Statement and the promotional plan disclosure statement (collectively the “Account Agreement”). Interest charges will accrue on the purchase amount and annual fees from the beginning of the promotional period, and minimum payments of 5% of the balance will be due each billing cycle. However, if you make the required minimum payments and pay the balance in full by the promotional period expiration date, all accrued interest will be waived and not charged on the purchase amount and annual fees. If you do not pay the balance in full by the promotional period expiration date, all accrued interest will be charged at the annual interest rate of 31.99% as shown in your Account Agreement. Making only the minimum monthly payments on your account will not pay off the purchase in time to avoid interest charges. On termination or expiration date of the promotional period (or for purchases that are not part of the promotional period), the annual interest rate shown in your Account Agreement and the terms of the Regular Credit Plan will apply to all outstanding balances. See store and Account Agreement for further information.