This Is Your Copy, Please Retain It For Your Records IMPORTANT INFORMATION INTEREST RATES AND INTEREST CHARGES   ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES 1 8 a O 0% to QA. 9 9% when you open your account, the APR varies by state. Please see “APR by State" listed in our Retail Account Agreement to determine your APR   HOW TO AVOID PAYING INTEREST ON PURCHASES ‘Your due date is at least 26 days after the close of each billing cycle. We will not charge you any interest on your purchase if you pay your entire balance by the due date each month.   MINIMUM INTEREST CHARGE If you are charged interest, the charge will be no less than $.50. **   FOR CREDIT CARD TIPS FROMTHE FEDERAL RESERVE BOARD ANNUAL AND MAINTENANCE FEES “ANNUAL FEE “ACCOUNT MAINTENANCE FEE To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http-//www.federalreserve.gov/creditcard FEES None. Not permitted in state of PA. Up to $60.00 annually (up to $5.00 per month when you carry a balance).   PENALTY FEES *LATE PAYMENT *RETURNED PAYMENT     Up to $39.00, the late payment fee varies by state. Please see “Late Payment Fee by State” listed in our Retail Account Agreement to determine the appropriate late payment fee. Up to $30.00, the returned payment fee varies by state. Please see “Retured Check Fee by State” listed in our Retail Account Agreement to determine the appropriate returned payment fee.     How we will calculate the balance on which your finance charges are computed: We use a method called “Average Daily Balance (excluding new purchases). Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in our Retail Account Agreement. Effective Date: This information was printed April, 2073. This information is accurate as of this date and is subject to change at any time. You should contact Ashcroft & Oak at 1-800-326-4116 to determine if there are any changes to this information since April, 2013. ROGERS & HOLLANDS RETAIL ACCOUNT AGREEMENT TERMS USED IN THIS AGREEMENT: In this Retail Account Agreement (the"Agreement”), the words “we", “us” and “our” mean the Seller identified at the end of this Agreement and any person to whom this Agreement or the indebtedness under this Agreement may be assigned, the words “you" and “your” mean each Applicant, including Joint Applicant, who is approved by us for this Retail Account (the “Account’). This Account and alll purchases made on it are not binding on us until your credit is approved. Your credit will be considered approved when we give notice of approval to you and, if applicable, upon your signing a Sales Invoice for purchases for which we have extended credit. PROMISE TO PAY: In consideration of our granting credit on this Account, you promise to pay us the purchase price of purchases charged to this Ac- count by you or anyone you authorize to use your Account. If the Account is a joint Account, the applicant and joint applicant each agree to pay and are jointly and individually responsible for all amounts charged on the Ac- count. When there is a balance due on your monthly billing staternent (the “Statement"), you agree to pay, in time for receipt by us within twenty-six (26) days after the billing date (the “Due Date” shown on the Statement), either (a) the total balance due or (b) at least the Minimum Monthly Pay- ment shown on the Statement. APR BY STATE: When there is a balance subject to Finance Charge on your Account, you will be assessed an Annual Percentage Rate (APR) on this balance as follows: Illinois — 24.99%, Indiana — 21.00%, Kentucky — 24.99% ., Michigan — 24.99%, Minnesota — 18.00%, Missouri — 24.99%, Ohio — 24.99%, PA— 24.99%, Tennessee — 21.00%. and Wisconsin — 24.99%. LATE PAYMENT FEE BY STATE: You agree to pay a Late Payment Fee on each installment not paid as follows: Illinois — Up to $1 0.00 assessed 10 days after payment due date, Indiana —Up to $5.00 assessed 10 days after payment due date, Kentucky — Up to $30.00 assessed 10 days after payment due date, Michigan —Up to $39.00 assessed 10 days after payment due date, Minnesota —Up to $5.00 assessed 10 days after payment due date, Missouri — Up to $5.00 assessed 10 days after payment due date, Ohio — Up to $39.00 assessed as of payment due date, PA — $39.00 assessed as of due date, Tennessee —Up to $39.00 assessed as of payment due date, and Wisconsin —Up to $39.00 assessed as of payment due date. RETURNED CHECK FEE BY STATE: You agree to pay a Returned Check Fee if any check or instrument for payment on your Account is returned to us unpaid as follows: Illinois — Up to $25.00, Indiana — Up to $25.00, Kentucky — Up to $25.00, Michigan — Up to $25.00, Minnesota — Up to $30.00, Missouri — Up to $15.00, Ohio — Up to $30.00, Pennsylvania: Return check fee is not permitted, Tennessee — Up to $30.00 and Wisconsin —Up to $30.00. BALANCE SUBJECT TO FINANCE CHARGE: The balance subject to FINANCE CHARGE in any given billing period is the average daily balance which is arrived at by adding the daily balances in the Account during the billing period. The daily balances are determined by taking the beginning balance each day during the billing period and subtracting any payments and credits entered on that day. New purchases do not begin to accrue a Sete (10/14) 48-4 FD. FINANCE CHARGE until the first go As billin period following the pur- chase date, and no FINANCE CHARGE will be assessed on such purchases if they are paid within twenty-six (26) days of the first billing date following the date of purchase. Late Payment Fees are not included in the balance subject to FINANCE CHARGE. “A minimum finance charge will not be assessed in Wisconsin. EXPEDITED PAYMENT FEE: A charge of $5.00 will be assessed for pay- ments made over the phone with one of our service representatives using a checking account. A charge of $10.00 will be assessed for payments made over the pene with one of our service representatives using a debit or credit card. This charge will not be assessed against residents of PA. MINIMUM MONTHLY PAYMENT: You agree to pay a Minimum Monthly Payment each time we send you a Statement plus any past due amount(s). The Minimum Monthly Payment will be 3.5%. (rounded to the next highest dollar) of the outstanding “New Balance" on the Account as shown on the statement, or $30.00 whichever amount is greater. You may at any time pay your “New Balance”, but you must pay at least the Minimum Monthly Payment. Payment on your Account must be made by cash, check or money order in U.S. currency. Any cash, check or money order in a denomination of foreign (not U.S.) currency will nor be credited until converted into U.S. funds, and you agree to pay any amount remaining due and owing after conversion to U.S. funds. SECURITY INTEREST: We retain a purchase money security interest in all merchandise purchased on your Account until the account is paid in full. lf you do not make your Minimum Monthly Payment on time, we may repossess only the merchandise which has not been paid in full to the extent permitted by law. We will apply and allocate payments and credits among features and to Charges and transactions on your Account in any order and manner determined by us in our sole discretion for servicing, administrative, systems or other business reasons. You agree that we have the unconditional right to exercise this discretion. CHANGES IN THIS AGREEMENT: We may change any term of this Agreement, including the rate of FINANCE CHARGE, by furnishing you notice of the change to the extent required by law. If permitted by applica- ble law, any new terms may at our option be applied to any balance exist- ing in the Account at the time of change, as well as to any subsequent transactions. FAILURE TO MAKE MINIMUM PAYMENT: If you do not make at least the Minimum Monthly Payment when due, we may, subject to any notice of default and right to cure default required by state law, require you to immediately pay the full remaining balance (except in Wisconsin, where you will not be in default until you fail to make a Minimum Monthly Payment on two (2) occasions within a 12-month period). You agree to pay court costs and reasonable attorneys’ fees to the extent permitted by your state law if your Account is sent for collection to an attorney who Is not our salaried employee (except no attorneys’ fees will be imposed in Wisconsin). Rid 10/14This Is Your Copy, Please Retain It For Your Records IMPORTANT INFORMATION   Won ARBITRATION PROVISION: PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES THAT ALL DISPUTES, CLAIMS OR CONTROVERSIES BETWEEN YOU AND US SHALL BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY ANDTO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEED- ING. IN ARBITRATION A DISPUTE IS RESOLVED BY AN ARBITRA- TOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. AGREEMENT TO ARBITRATE: Either you or we may, without the other’s consent, elect mandatory, binding arbitration for any dispute, claim or controversy between you and us. To accomodate the right to ar- bitrate, you agree that you will neither assert, nor participate in, a class action or other representative action or proceeding relating to this Agreement, your account, your card or any other aspect of your relationship with us. CANCELLING OR LIMITING YOUR CREDIT: We have the right at any time to limit or terminate the use of your Account, or to terminate this Agreement as it relates to future purchases, without giving you notice in advance. In addition, you agree that we may change your credit limit from time to time, based on changes in your credit capacity. You may ter- minate this Agreement at any time upon advance written notice to us but, if you do, you agree that you will remain obligated to pay the total balance due under the terms of your Agreement. CREDIT CARD: You request a Credit Card from us if it is our practice to provide one. All Credit Cards issued to you remain our property and, if requested, you agree to return to us any Credit Card issued for your Account. You further agree to immediately notity us, Orally or in writing, of the loss, theft or unauthorized use of your Credit Card. If notice is given orally, you will confirm it in writing. You may be liable for the unauthorized use of basa Credit Card before you notify us in writing at Rogers & Hollands, PO. Box 879, Matteson, IL 60443, or telephone us at 1-800-326-4116 of the loss, theft or unauthorized use. In any case your liability will not exceed $50. CREDIT INVESTIGATION: You authorize us to investigate your credit history by obtaining consumer reports and by making direct inquiries of businesses where you have accounts and where you work. We may re- quest a consumer report from consumer reporting agencies in consid- ering your application for this Account and later in connection with an update, renewal, or extension of credit or reviewing or collecting the Ac- count. Upon your request we will tell you whether or not a consumer report was requested and the name and address of any consumer reporting agency that furnished the report. You also authorize us to report your performance under this Agreement to credit bureaus and others who may properly receive such information. A negative credit report reflecting on your credit record may be submitted to a credit re- porting agency if you fail to fulfill the terms of your credit obligation. GOVERNING LAW/NOTICE OF CHANGE OF ADDRESS: This agree- ment is governed by federal law and the law of the state in which the Ac- count was opened. You agree to notify us promptly in writing if you move. Until we receive written notice of your new address, we will continue to send monthly Statements and other notices to the address you gave on the application for this Account. ASSIGNMENT: We may assign your Account and our rights under this Agreement at any time to any third party without further notice to you. If this Agreement is assigned, all of our rights under this Agreement will continue to apply to any assignee or holder of this Agreement. TELEPHONE MONITORING: We treat every guest call confidentially. To ensure you receive accurate and courteous guest service, on occasion your call may be monitored by a second associate. ENTIRE AGREEMENT: This is the entire Agreement between you and us and no oral changes can be made. NOTICE TO MICHIGAN RESIDENTS: THE SELLER RETAINS A SECU- RITY INTEREST IN THE SUBJECT MATTER OF THIS AGREEMENT. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF THE GOODS AND SERV- ICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF, RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. NOTICE TO BUYER/CONSUMER: (a) DO NOT SIGN THIS AGREE- MENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACES; (b) YOU ARE ENTITLED TO A COMPLETELY FILLED-IN COPY OF THIS AGREEMENT AT THE TIME YOU SIGN, KEEP IT TO PROTECT YOUR LEGAL RIGHTS; AND (c) YOU MAY PAY THE FULL BALANCE ON YOUR ACCOUNT AT ANY TIME AND UNDER CER- TAIN CIRCUMSTANCES TO OBTAIN A PARTIAL REFUND OF THE FINANCE CHARGE. SELLER: Rogers Enterprises, Inc. d/b/a Rogers & Hollands Jewelers P.O. Box 879 Matteson, IL 60443 NOTICE: See following notice for important information regarding your right to dispute billing errors. BILLING RIGHTS SUMMARY What to do if you think you find a mistake on your statement: If you think your bill is wrong, if there is an error on your statement or if you need more information about a transaction on your bill write us at Rogers & Hollands P.O. Box 879 Matteson, IL 60443. We must hear from you no later than 60 days after you received the first bill on which the error or problem appeared. You must notify us of any potential mistakes or error in writing. You can telephone us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. In your letter, give us the following information: » Account informatipn: Your name and account number. = Dollar Amount: The dollar amount of the suspected error. » Description of Problem: If you think there is an error, describe the error and explain, if you can, what you believe is wrong and why you believe it is an error. If you need information, describe the items you are unsure about. While we are investigating whether or not there has been an error, the following are true: » We cannot try to collect the amount in question, or report you as delinquent on that amount. » The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we deter- mine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. # While you do not have to pay the amount in question, you are responsible for the remainder of your balance. =» We can apply any unpaid amount against your credit limit. Your rights if you are dissatisfied with your credit card pur- chases: If you are dissatisfied with the goods or services that you purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are nec- essary if your purchase was based on an advertisement we mailed to you, or if we own or operate the merchant who sold you the goods or services. If such is the case, all purchases will be covered, re- gardless of the amount or location of the purchase). 2.You must have used your credit card for the purchase. 3.You must not yet have fully paid for the purchase. lf all of the above criteria are met and you are still dissatisfied with the purchase, contact us in writing at: Rogers & Hollands, PO Box 879 Matteson, IL 60443. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investiga- tion, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. PAYMENT REQUIREMENTS: You may, at any time, pay your total in- debtedness (the New Balance) or any part of it, but you must pay at least the Minimum Payment Due as of the Payment Due Date shown on the front of your statement. Payments shall be made by check or money order and shall reference your account number. Payments may be made by mailing your payment to the address provided for payments on the front of this statement, via our website or by mak- ing a payment at any Rogers & Hollands store location. Payments must be received by 5:00 p.m. on the Payment Due Date shown on the front of this statement. Please be advised, if any payment received by ers & Hollands does not conform to the requirements listed above, we have the right to take up to five days from receipt of such payment to credit it to your account. CREDIT BALANCES: Any credit balance on your account (indicated by a “-“ in the New Balance box) is money we owe you. You can make charges against this amount, or you may obtain a refund of the full amount by writing to the address indicated on the front of this state- ment. If we do not receive a written request from you to refund the credit balance, any remaining credit balance over $1.00 on your ac- count will be refunded 90 days after the end of the billing period in which the credit balance first appears. BALANCE COMPUTATION METHOD: The Balance Subject to Interest Rate was determined by the Average Daily Balance Method (excluding current transactions). Please call 1-800-326-4116 if you would like a de- tailed explanation of this method and how the resulting interest charges were determined.