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   ARBITRATION PROVISION: PLEASE READ THIS PROVISION OF THE ARBITRATION PROVISION: PLEASE READ THIS PROVISION OF THE ARBITRATION PROVISION: PLEASE READ THIS PROVISION OF THE ARBITRATION PROVISION: PLEASE READ THIS PROVISION OF THE SELLER: Rogers Enterprises, Inc.  SELLER: Rogers Enterprises, Inc.  SELLER: Rogers Enterprises, Inc.  SELLER: Rogers Enterprises, Inc.  SELLER: Rogers Enterprises, Inc. 
   ARBITRATION PROVISION: PLEASE READ THIS PROVISION OF THE ARBITRATION PROVISION: PLEASE READ THIS PROVISION OF THE SELLER: Rogers Enterprises, Inc. 
   AGREEMENT CAREFULLY. IT PROVIDES THAT ALL DISPUTES, AGREEMENT CAREFULLY. IT PROVIDES THAT ALL DISPUTES, AGREEMENT CAREFULLY. IT PROVIDES THAT ALL DISPUTES, AGREEMENT CAREFULLY. IT PROVIDES THAT ALL DISPUTES, d/b/a Rogers & Hollands Jewelers  d/b/a Rogers & Hollands Jewelers  d/b/a Ashcroft & Oak Jewelers  d/b/a Rogers & Hollands Jewelers  d/b/a Rogers & Hollands Jewelers 
   AGREEMENT CAREFULLY. IT PROVIDES THAT ALL DISPUTES, AGREEMENT CAREFULLY. IT PROVIDES THAT ALL DISPUTES, d/b/a Rogers & Hollands Jewelers 
   CLAIMS OR CONTROVERSIES BETWEEN YOU AND US SHALL BE CLAIMS OR CONTROVERSIES BETWEEN YOU AND US SHALL BE CLAIMS OR CONTROVERSIES BETWEEN YOU AND US SHALL BE CLAIMS OR CONTROVERSIES BETWEEN YOU AND US SHALL BE P.O. Box 879 P.O. Box 879 P.O. Box 879 P.O. Box 879 P.O. Box 879
   CLAIMS OR CONTROVERSIES BETWEEN YOU AND US SHALL BE CLAIMS OR CONTROVERSIES BETWEEN YOU AND US SHALL BE P.O. Box 879
   RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES Matteson, IL 60443  Matteson, IL 60443  Matteson, IL 60443  Matteson, IL 60443  Matteson, IL 60443 
   RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES Matteson, IL 60443 
   THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY
   THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY
   AND TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEED- AND TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEED- AND TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEED- AND TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEED- NOTICE: See following notice for important information regarding NOTICE: See following notice for important information regarding NOTICE: See following notice for important information regarding NOTICE: See following notice for important information regarding NOTICE: See following notice for important information regarding
   AND TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEED- AND TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEED- NOTICE: See following notice for important information regarding
   ING. IN ARBITRATION A DISPUTE IS RESOLVED BY AN ARBITRA- ING. IN ARBITRATION A DISPUTE IS RESOLVED BY AN ARBITRA- ING. IN ARBITRATION A DISPUTE IS RESOLVED BY AN ARBITRA- ING. IN ARBITRATION A DISPUTE IS RESOLVED BY AN ARBITRA- your right to dispute billing errors. your right to dispute billing errors. your right to dispute billing errors. your right to dispute billing errors. your right to dispute billing errors.
                                      your right to dispute billing errors.        OPEN YOUR  OPEN YOUR  OPEN YOUR  OPEN YOUR 
   ING. IN ARBITRATION A DISPUTE IS RESOLVED BY AN ARBITRA- ING. IN ARBITRATION A DISPUTE IS RESOLVED BY AN ARBITRA-
   TOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES TOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES TOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES TOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES OPEN YOUR  OPEN YOUR 
   TOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES TOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES OPEN YOUR
   ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. BILLING RIGHTS SUMMARY BILLING RIGHTS SUMMARY BILLING RIGHTS SUMMARY BILLING RIGHTS SUMMARY BILLING RIGHTS SUMMARY
   ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. BILLING RIGHTS SUMMARY
   AGREEMENT TO ARBITRATE: AGREEMENT TO ARBITRATE: AGREEMENT TO ARBITRATE: AGREEMENT TO ARBITRATE: Either you or we may, without the Either you or we may, without the Either you or we may, without the Either you or we may, without the What to do if you think you find a mistake on your statement: If What to do if you think you find a mistake on your statement: If What to do if you think you find a mistake on your statement: If What to do if you think you find a mistake on your statement: If What to do if you think you find a mistake on your statement:  If
   AGREEMENT TO ARBITRATE: AGREEMENT TO ARBITRATE: Either you Either you or we may, without the  or we may, without the What to do if you think you find a mistake on your statement: If
   other?s consent, elect mandatory, binding arbitration for any dispute, other?s consent, elect mandatory, binding arbitration for any dispute, other?s consent, elect mandatory, binding arbitration for any dispute, other?s consent, elect mandatory, binding arbitration for any dispute, you think your bill is wrong, if there is an error on your statement or you think your bill is wrong, if there is an error on your statement or you think your bill is wrong, if there is an error on your statement or you think your bill is wrong, if there is an error on your statement or you think your bill is wrong, if there is an error on your statement or
   other�s consent, elect mandatory, binding arbitration for any dispute, other?s consent, elect mandatory, binding arbitration for any dispute, you think your bill is wrong, if there is an error on your statement or Retail Retail Retail Retail
   claim or controversy between you and us. To accomodate the right to claim or controversy between you and us. To accomodate the right to claim or controversy between you and us. To accomodate the right to claim or controversy between you and us. To accomodate the right to if you need more information about a transaction on your bill write if you need more information about a transaction on your bill write if you need more information about a transaction on your bill write if you need more information about a transaction on your bill write if you need more information about a transaction on your bill write Retail Retail
   claim or controversy between you and us. To accomodate the right to ar- claim or controversy between you and us. To accomodate the right to if you need more information about a transaction on your bill write
   arbitrate, you agree that you will neither assert, nor participate in, a arbitrate, you agree that you will neither assert, nor participate in, a arbitrate, you agree that you will neither assert, nor participate in, a arbitrate, you agree that you will neither assert, nor participate in, a us at Rogers & Hollands P.O. Box 879 Matteson, IL 60443.  We us at Rogers & Hollands P.O. Box 879 Matteson, IL 60443.  We us at Rogers & Hollands P.O. Box 879 Matteson, IL 60443.  We us at Rogers & Hollands P.O. Box 879 Matteson, IL 60443.  We us at Ashcroft & Oak P.O. Box 879 Matteson, IL 60443.  We must
   bitrate, you agree that you will neither assert, nor participate in, a class arbitrate, you agree that you will neither assert, nor participate in, a us at Rogers & Hollands P.O. Box 879 Matteson, IL 60443.  We
   class action or other representative action or proceeding relating to this class action or other representative action or proceeding relating to this class action or other representative action or proceeding relating to this class action or other representative action or proceeding relating to this must hear from you no later than 60 days after you received the must hear from you no later than 60 days after you received the hear from you no later than 60 days after you received the first bill must hear from you no later than 60 days after you received the must hear from you no later than 60 days after you received the
   action or other representative action or proceeding relating to this class action or other representative action or proceeding relating to this must hear from you no later than 60 days after you received the
   Agreement, your account, your card or any other aspect of your  Agreement, your account, your card or any other aspect of your  Agreement, your account, your card or any other aspect of your  Agreement, your account, your card or any other aspect of your  first bill on which the error or problem appeared.  You must notify us first bill on which the error or problem appeared.  You must notify us on which the error or problem appeared.  You must notify us of any first bill on which the error or problem appeared.  You must notify us first bill on which the error or problem appeared.  You must notify us
   Agreement, your account, your card or any other aspect of your  Agreement, your account, your card or any other aspect of your  first bill on which the error or problem appeared.  You must notify us
   relationship with us. relationship with us. relationship with us. relationship with us. of any potential mistakes or error in writing.  You can telephone us, of any potential mistakes or error in writing.  You can telephone us, potential mistakes or error in writing.  You can telephone us, but if of any potential mistakes or error in writing.  You can telephone us, of any potential mistakes or error in writing.  You can telephone us,
   relationship with us. relationship with 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 but if you do we are not required to investigate any potential errors you do we are not required to investigate any potential errors and but if you do we are not required to investigate any potential errors but if you do we are not required to investigate any potential errors RETAIL RETAIL  RETAIL  RETAIL  RETAIL 
                                      but if you do we are not required to investigate any potential errors RETAIL  RETAIL 
   CANCELLING OR LIMITING YOUR CREDIT: We have the right at any CANCELLING OR LIMITING YOUR CREDIT: We have the right at any CANCELLING OR LIMITING YOUR CREDIT: We have the right at any CANCELLING OR LIMITING YOUR CREDIT: We have the right at any and you may have to pay the amount in question.  In your letter, and you may have to pay the amount in question.  In your letter, you may have to pay the amount in question.  In your letter, give us and you may have to pay the amount in question.  In your letter, and you may have to pay the amount in question.  In your letter,
   CANCELLING OR LIMITING YOUR CREDIT: We have the right at any CANCELLING OR LIMITING YOUR CREDIT: We have the right at any and you may have to pay the amount in question.  In your letter,
   time to limit or terminate the use of your Account, or to terminate this time to limit or terminate the use of your Account, or to terminate this time to limit or terminate the use of your Account, or to terminate this time to limit or terminate the use of your Account, or to terminate this give us the following information: give us the following information: the following information: give us the following information: give us the following information:
   time to limit or terminate the use of your Account, or to terminate this time to limit or terminate the use of your Account, or to terminate this give us the following information: ACCOUNT TODAY!  ACCOUNT TODAY!  ACCOUNT TODAY!  ACCOUNT TODAY! 
   Agreement as it relates to future purchases, without giving you notice Agreement as it relates to future purchases, without giving you notice Agreement as it relates to future purchases, without giving you notice Agreement as it relates to future purchases, without giving you notice ? ? ? ? ? Account information:  Your name and account number. Account information:  Your name and account number. Account information:  Your name and account number. Account information:  Your name and account number. Account information:  Your name and account number. ACCOUNT TODAY! ACCOUNT TODAY!  ACCOUNT TODAY!  Account Account Account Account
   Agreement as it relates to future purchases, without giving you notice Agreement as it relates to future purchases, without giving you notice ? Account information:  Your name and account number. Account Account
   in advance. In addition, you agree that we may change your credit limit in advance. In addition, you agree that we may change your credit limit in advance. In addition, you agree that we may change your credit limit in advance. In addition, you agree that we may change your credit limit ? ? ? ? ? Dollar Amount: The dollar amount of the suspected error. Dollar Amount: The dollar amount of the suspected error. Dollar Amount: The dollar amount of the suspected error. Dollar Amount: The dollar amount of the suspected error. Dollar Amount: The dollar amount of the suspected error.
   in advance. In addition, you agree that we may change your credit limit in advance. In addition, you agree that we may change your credit limit ? Dollar Amount: The dollar amount of the suspected error.
   from time to time, based on changes in your credit capacity. You may from time to time, based on changes in your credit capacity. You may from time to time, based on changes in your credit capacity. You may from time to time, based on changes in your credit capacity. You may ? ? ? ? ? Description of Problem:  If you think there is an error, describe the Description of Problem:  If you think there is an error, describe the Description of Problem:  If you think there is an error, describe the Description of Problem:  If you think there is an error, describe the Description of Problem:  If you think there is an error, describe the
   from time to time, based on changes in your credit capacity. You may from time to time, based on changes in your credit capacity. You may ter- ? Description of Problem:  If you think there is an error, describe the
   terminate this Agreement at any time upon advance written notice to terminate this Agreement at any time upon advance written notice to terminate this Agreement at any time upon advance written notice to terminate this Agreement at any time upon advance written notice to error and explain, if you can, what you believe is wrong and why  error and explain, if you can, what you believe is wrong and why  error and explain, if you can, what you believe is wrong and why  error and explain, if you can, what you believe is wrong and why  error and explain, if you can, what you believe is wrong and why 
   terminate this Agreement at any time upon advance written notice to minate this Agreement at any time  upon advance written notice to us error and explain, if you can, what you believe is wrong and why  And enjoy these advantages...
   us but, if you do, you agree that you will remain obligated to pay the total us but, if you do, you agree that you will remain obligated to pay the total us but, if you do, you agree that you will remain obligated to pay the total us but, if you do, you agree that you will remain obligated to pay the total you believe it is an error.  If you need information, describe the  you believe it is an error.  If you need information, describe the  you believe it is an error.  If you need information, describe the  you believe it is an error.  If you need information, describe the  you believe it is an error.  If you need information, describe the 
   but, if you do, you agree that you will remain obligated to pay the total us but, if you do, you agree that you will remain obligated to pay the total you believe it is an error.  If you need information, describe the 
   balance due under the terms of your Agreement. balance due under the terms of your Agreement. balance due under the terms of your Agreement. balance due under the terms of your Agreement. items you are unsure about. items you are unsure about. items you are unsure about. items you are unsure about. items you are unsure about.
   balance due under the terms of your Agreement. balance due under the terms of your Agreement. items you are unsure about.
                                      While we are investigating whether or not there has been an error, the While we are investigating whether or not there has been an error, the While we are investigating whether or not there has been an error, While we are investigating whether or not there has been an error, the While we are investigating whether or not there has been an error, the
                                      While we are investigating whether or not there has been an error, the And enjoy these advantages�  And enjoy these advantages�  And enjoy these advantages�  And enjoy these advantages� 
   CREDIT CARD: CREDIT CARD: CREDIT CARD: CREDIT CARD: You request a Credit Card from us if it is our practice You request a Credit Card from us if it is our practice You request a Credit Card from us if it is our practice You request a Credit Card from us if it is our practice And enjoy these advantages�  And enjoy these advantages� 
   CREDIT CARD: CREDIT CARD: You request a Credit Card from us if it is our practice You request a Credit Card from us if it is our practice following are true: following are true: the following are true: following are true: following are true:
   to provide one. All Credit Cards issued to you remain our property and, to provide one. All Credit Cards issued to you remain our property and, to provide one. All Credit Cards issued to you remain our property and, to provide one. All Credit Cards issued to you remain our property and, following are true:
   to provide one. All Credit Cards issued to you remain our property and, to provide one. All Credit Cards issued to you remain our property and, ? ? ? ? ? We cannot try to collect the amount in question, or report you as  We cannot try to collect the amount in question, or report you as  We cannot try to collect the amount in question, or report you as  We cannot try to collect the amount in question, or report you as  We cannot try to collect the amount in question, or report you as    �  Offers Convenient Application Application Application Application
   if requested, you agree to return to us any Credit Card issued for your if requested, you agree to return to us any Credit Card issued for your if requested, you agree to return to us any Credit Card issued for your if requested, you agree to return to us any Credit Card issued for your ? We cannot try to collect the amount in question, or report you as  Application Application
   if requested, you agree to return to us any Credit Card issued for your if requested, you agree to return to us any Credit Card issued for your delinquent on that amount. delinquent on that amount. delinquent on that amount. delinquent on that amount. delinquent on that amount.
   Account. You further agree to immediately notify us, orally or in writing, Account. You further agree to immediately notify us, orally or in writing, Account. You further agree to immediately notify us, orally or in writing, Account. You further agree to immediately notify us, orally or in writing, delinquent on that amount.
   Account. You further agree to immediately notify us, orally or in writing, Account. You further agree to immediately notify us, orally or in writing, ? ? ? ? ? The charge in question may remain on your statement, and we may The charge in question may remain on your statement, and we may The charge in question may remain on your statement, and we may The charge in question may remain on your statement, and we may The charge in question may remain on your statement, and we may        
   of the loss, theft or unauthorized use of your Credit Card. If notice is of the loss, theft or unauthorized use of your Credit Card. If notice is of the loss, theft or unauthorized use of your Credit Card. If notice is of the loss, theft or unauthorized use of your Credit Card. If notice is ? The charge in question may remain on your statement, and we may    
   of the loss, theft or unauthorized use of your Credit Card. If notice is of the loss, theft or unauthorized use of your Credit Card. If notice is continue to charge you interest on that amount.  But, if we deter- continue to charge you interest on that amount.  But, if we deter- continue to charge you interest on that amount.  But, if we deter- continue to charge you interest on that amount.  But, if we deter- continue to charge you interest on that amount.  But, if we deter-       Monthly Payments
   given orally, you will confirm it in writing. You may be liable for the  given orally, you will confirm it in writing. You may be liable for the  given orally, you will confirm it in writing. You may be liable for the  given orally, you will confirm it in writing. You may be liable for the  continue to charge you interest on that amount.  But, if we deter-
   given orally, you will confirm it in writing. You may be liable for the  given orally, you will confirm it in writing. You may be liable for the  mine that we made a mistake, you will not have to pay the amount  mine that we made a mistake, you will not have to pay the amount  mine that we made a mistake, you will not have to pay the amount  mine that we made a mistake, you will not have to pay the amount  mine that we made a mistake, you will not have to pay the amount 
   unauthorized use of your Credit Card before you notify us in writing at unauthorized use of your Credit Card before you notify us in writing at unauthorized use of your Credit Card before you notify us in writing at unauthorized use of your Credit Card before you notify us in writing at 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.   in question or any interest or other fees related to that amount.   in question or any interest or other fees related to that amount. in question or any interest or other fees related to that amount.   in question or any interest or other fees related to that amount.      � � � � Offers Convenient Offers Convenient Offers Convenient Offers Convenient
   unauthorized use of your Credit Card before you notify us in writing at unauthorized use of your Credit Card before you notify us in writing at �
   Rogers & Hollands, PO. Box 879, Matteson, IL 60443, or telephone us Rogers & Hollands, PO. Box 879, Matteson, IL 60443, or telephone us Rogers & Hollands, PO. Box 879, Matteson, IL 60443, or telephone us Rogers & Hollands, PO. Box 879, Matteson, IL 60443, or telephone us in question or any interest or other fees related to that amount.   � Offers Convenient Offers Convenient
   Rogers & Hollands, PO. Box 879, Matteson, IL 60443, or telephone us Ashcroft & Oak, PO. Box 879, Matteson, IL 60443, or  telephone us at ? ? ? ? ? While you do not have to pay the amount in question, you are  While you do not have to pay the amount in question, you are  While you do not have to pay the amount in question, you are  While you do not have to pay the amount in question, you are  While you do not have to pay the amount in question, you are 
   at 1-800-326-4116 of the loss, theft or unauthorized use. In any case at 1-800-326-4116 of the loss, theft or unauthorized use. In any case at 1-800-326-4116 of the loss, theft or unauthorized use. In any case at 1-800-326-4116 of the loss, theft or unauthorized use. In any case ? While you do not have to pay the amount in question, you are 
   at 1-800-326-4116 of the loss, theft or unauthorized use. In any case 1-800-326-4116 of the loss, theft or unauthorized use. In any case your responsible for the remainder of your balance. responsible for the remainder of your balance. responsible for the remainder of your balance. responsible for the remainder of your balance. responsible for the remainder of your balance. Monthly Payments  Monthly Payments  Monthly Payments  Monthly Payments 
   your liability will not exceed $50.  your liability will not exceed $50.  your liability will not exceed $50.  your liability will not exceed $50.  responsible for the remainder of your balance.
   your liability will not exceed $50.  liability will not exceed $50.  ? ? ? ? ? We can apply any unpaid amount against your credit limit.  We can apply any unpaid amount against your credit limit.  We can apply any unpaid amount against your credit limit.  We can apply any unpaid amount against your credit limit.  We can apply any unpaid amount against your credit limit.  Monthly Payments  Monthly Payments 
                                      ? We can apply any unpaid amount against your credit limit. 
   CREDIT INVESTIGATION: CREDIT INVESTIGATION: CREDIT INVESTIGATION: CREDIT INVESTIGATION: You authorize us to investigate your credit You authorize us to investigate your credit You authorize us to investigate your credit You authorize us to investigate your credit �  Makes Budgeting
   CREDIT INVESTIGATION: CREDIT INVESTIGATION: You authorize us to investigate your credit You authorize us to investigate your credit Your rights if you are dissatisfied with your credit   card pur- Your rights if you are dissatisfied with your credit   card pur- Your rights if you are dissatisfied with your credit  card pur- Your rights if you are dissatisfied with your credit   card pur- Your rights if you are dissatisfied with your credit   card pur-
   history by obtaining consumer reports and by making direct inquiries of history by obtaining consumer reports and by making direct inquiries of history by obtaining consumer reports and by making direct inquiries of history by obtaining consumer reports and by making direct inquiries of Your rights if you are dissatisfied with your credit   card pur-
   history by obtaining consumer reports and by making direct inquiries of history by obtaining consumer reports and by making direct inquiries of chases: If you are dissatisfied with the goods or services that you chases: If you are dissatisfied with the goods or services that you chases: If you are dissatisfied with the goods or services that you chases: If you are dissatisfied with the goods chases: If you are dissatisfied with the goods  or services that you  or services that you
   businesses where you have accounts and where you work. businesses where you have accounts and where you work. businesses where you have accounts and where you work. businesses where you have accounts and where you work.  We may  We may  We may  We may chases: If you are dissatisfied with the goods or services that you
   businesses where you have accounts and where you work. We may businesses where you have accounts and where you work. We may re- purchased with your credit card and you have tried in good faith to purchased with your credit card and you have tried in good faith to purchased with your credit card and you have tried in good faith to purchased with your credit card and you have tried in good faith to purchased with your credit card and you have tried in good faith to
   request a consumer report from consumer reporting agencies in con- request a consumer report from consumer reporting agencies in con- request a consumer report from consumer reporting agencies in con- request a consumer report from consumer reporting agencies in con- purchased with your credit card and you have tried in good faith to            Easier  
   quest a consumer report from consumer reporting agencies in consid- request a consumer report from consumer reporting agencies in con- correct the problem with the merchant, you may have the right not correct the problem with the merchant, you may have the right not correct the problem with the merchant, you may have the right not correct the problem with the merchant, you may have the right not correct the problem with the merchant, you may have the right not
   sidering your application for this Account and later in connection with an sidering your application for this Account and later in connection with an sidering your application for this Account and later in connection with an sidering your application for this Account and later in connection with an correct the problem with the merchant, you may have the right not Makes Budgeting  Makes Budgeting  Makes Budgeting  Makes Budgeting 
   ering your application for this Account and later in connection with an sidering your application for this Account and later in connection with an to pay the remaining amount due on the purchase. to pay the remaining amount due on the purchase. to pay the remaining amount due on the purchase. to pay the remaining amount due on the purchase. to pay the remaining amount due on the purchase. � � � � Makes Budgeting  Makes Budgeting 
   update, renewal, or extension of credit or reviewing or collecting the update, renewal, or extension of credit or reviewing or collecting the update, renewal, or extension of credit or reviewing or collecting the update, renewal, or extension of credit or reviewing or collecting the to pay the remaining amount due on the purchase. � �
   update, renewal, or extension of credit or reviewing or collecting the Ac- update, renewal, or extension of credit or reviewing or collecting the To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true:
   Account. Upon your request we will tell you whether or not a consumer Account. Upon your request we will tell you whether or not a consumer Account. Upon your request we will tell you whether or not a consumer Account. Upon your request we will tell you whether or not a consumer To use this right, all of the following must be true:
   count. Upon your request we will tell you whether or not a consumer Account. Upon your request we will tell you whether or not a consumer 1. The purchase must have been made in your home state or within  1. The purchase must have been made in your home state or within  1. The purchase must have been made in your home state or within  1. The purchase must have been made in your home state or within  1. The purchase must have been made in your home state or within  Easier  Easier  Easier  Easier 
   report was requested and the name and address of any consumer report was requested and the name and address of any consumer report was requested and the name and address of any consumer report was requested and the name and address of any consumer 1. The purchase must have been made in your home state or within  Easier  Easier 
   report was requested and the name and address of any consumer report was requested and the name and address of any consumer 100 miles of your current mailing address, and the purchase price  100 miles of your current mailing address, and the purchase price  100 miles of your current mailing address, and the purchase price  100 miles of your current mailing address, and the purchase price  100 miles of your current mailing address, and the purchase price 
   reporting agency that furnished the report. You also authorize us to reporting agency that furnished the report. You also authorize us to reporting agency that furnished the report. You also authorize us to reporting agency that furnished the report. You also authorize us to 100 miles of your current mailing address, and the purchase price 
   reporting agency that furnished the report. You also authorize us to reporting agency that furnished the report. You also authorize us to must have been more than $50.  (Note: Neither of these are nec- must have been more than $50.  (Note: Neither of these are nec- must have been more than $50.  (Note: Neither of these are nec- must have been more than $50.  (Note: Neither of these are nec- must have been more than $50.  (Note: Neither of these are nec-
   report your performance under this Agreement to credit bureaus and report your performance under this Agreement to credit bureaus and report your performance under this Agreement to credit bureaus and report your performance under this Agreement to credit bureaus and must have been more than $50.  (Note: Neither of these are nec-        �  Makes You A 
   report your performance under this Agreement to credit bureaus and report your performance under this Agreement to credit bureaus and essary if your purchase was based on an advertisement we mailed essary if your purchase was based on an advertisement we mailed essary if your purchase was based on an advertisement we mailed essary if your purchase was based on an advertisement we mailed essary if your purchase was based on an advertisement we mailed
   others who may properly receive such information. A negative credit others who may properly receive such information. A negative credit others who may properly receive such information. A negative credit others who may properly receive such information. A negative credit essary if your purchase was based on an advertisement we mailed
   others who may properly receive such information. A negative credit others who  may properly receive such information. A negative credit to you, or if we own or operate the merchant who sold you the to you, or if we own or operate the merchant who sold you the to you, or if we own or operate the merchant who sold you the to you, or if we own or operate the merchant who sold you the to you, or if we own or operate the merchant who sold you the goods
   report reflecting on your credit record may be submitted to a credit report reflecting on your credit record may be submitted to a credit report reflecting on your credit record may be submitted to a credit report reflecting on your credit record may be submitted to a credit to you, or if we own or operate the merchant who sold you the
   report reflecting on your credit record may be submitted to a credit re- report reflecting on your credit record may be submitted to a credit goods or services.  If such is the case, all purchases will be cov- goods or services.  If such is the case, all purchases will be cov- goods or services.  If such is the case, all purchases will be cov- goods or services.  If such is the case, all purchases will be cov- or services.  If such is the case, all purchases will be covered, re-
   reporting agency if you fail to fulfill the terms of your credit obligation.  reporting agency if you fail to fulfill the terms of your credit obligation.  reporting agency if you fail to fulfill the terms of your credit obligation.  reporting agency if you fail to fulfill the terms of your credit obligation.  goods or services.  If such is the case, all purchases will be cov-
   porting agency if you fail to fulfill the terms of your credit obligation.  reporting agency if you fail to fulfill the terms of your credit obligation.  ered, regardless of the amount or location of the purchase). ered, regardless of the amount or location of the purchase). ered, regardless of the amount or location of the purchase). ered, regardless of the amount or location of the purchase). gardless of the amount or location of the purchase).            Preferred Guest-
                                       ered, regardless of the amount or location of the purchase).
                                      2.You must have used your credit card for the purchase. 2.You must have used your credit card for the purchase. 2.You must have used your credit card for the purchase. 2.You must have used your credit card for the purchase. 2.You must have used your credit card for the purchase. � � � � Makes you a  Makes you a  Makes you a  Makes you a 
   GOVERNING LAW/NOTICE OF CHANGE OF ADDRESS: This agree- GOVERNING LAW/NOTICE OF CHANGE OF ADDRESS: This agree- GOVERNING LAW/NOTICE OF CHANGE OF ADDRESS: This agree- GOVERNING LAW/NOTICE OF CHANGE OF ADDRESS: This agree- � � Makes you a  Makes you a 
   GOVERNING LAW/NOTICE OF CHANGE OF ADDRESS: This agree- GOVERNING LAW/NOTICE OF CHANGE OF ADDRESS: This agree- 2.You must have used your credit card for the purchase.
   ment is governed by federal law and the law of the state in which the ment is governed by federal law and the law of the state in which the ment is governed by federal law and the law of the state in which the ment is governed by federal law and the law of the state in which the 3.You must not yet have fully paid for the purchase. 3.You must not yet have fully paid for the purchase. 3.You must not yet have fully paid for the purchase. 3.You must not yet have fully paid for the purchase. 3.You must not yet have fully paid for the purchase.
   ment is governed by federal law and the law of the state in which the Ac- ment is governed by federal law and the law of the state in which the 3.You must not yet have fully paid for the purchase.
   Account was opened. You agree to notify us promptly in writing if you Account was opened. You agree to notify us promptly in writing if you Account was opened. You agree to notify us promptly in writing if you Account was opened. You agree to notify us promptly in writing if you If all of the above criteria are met and you are still dissatisfied with the If all of the above criteria are met and you are still dissatisfied with the If all of the above criteria are met and you are still dissatisfied with If all of the above criteria are met and you are still dissatisfied with the If all of the above criteria are met and you are still dissatisfied with the            Keeps You Advised Preferred Guest � Preferred Guest � Preferred Guest � Preferred Guest �
   count was opened. You agree to notify us promptly in writing if you move. Account was opened. You agree to notify us promptly in writing if you If all of the above criteria are met and you are still dissatisfied with the Preferred Guest � Preferred Guest �
   move. Until we receive written notice of your new address, we will  move. Until we receive written notice of your new address, we will  move. Until we receive written notice of your new address, we will  move. Until we receive written notice of your new address, we will  purchase, contact us in writing at: Rogers & Hollands, PO Box 879 purchase, contact us in writing at: Rogers & Hollands, PO the purchase, contact us in writing at: Ashcroft & Oak, PO Box 879 purchase, contact us in writing at: Rogers & Hollands, PO Box 879 purchase, contact us in writing at: Rogers & Hollands, PO Box 879  Box 879
   Until  move. Until we receive written notice of your new address, we will  we  receive  written  notice  of  your  new  address,  we  will  purchase, contact us in writing at: Rogers & Hollands, PO Box 879
   continue to send monthly Statements and other notices to the address continue to send monthly Statements and other notices to the address continue to send monthly Statements and other notices to the address continue to send monthly Statements and other notices to the address Matteson, IL 60443.  While we investigate, the same rules apply to the Matteson, IL 60443.  While we investigate, the same rules apply to the Matteson, IL 60443.  While we investigate, the same rules apply to the Matteson, IL 60443.  While we investigate, the same rules apply to the Matteson, IL 60443.  While we investigate, the same rules apply to the
   continue to send monthly Statements and other notices to the address continue to send monthly Statements and other notices to the address Matteson, IL 60443.  While we investigate, the same rules apply to the Keeps you advised  Keeps you advised  Keeps you advised  Keeps you advised 
   you gave on the application for this Account.  you gave on the application for this Account.  you gave on the application for this Account.  you gave on the application for this Account.  disputed amount as discussed above.  After we finish our investiga- disputed amount as discussed above.  After we finish our investiga- disputed amount as discussed above.  After we finish our investiga- disputed amount as discussed above.  After we finish our investiga- disputed amount as discussed above.  After we finish our investiga-            Of Sale Items And Keeps you advised  Keeps you advised 
   you gave on the application for this Account.  you gave on the application for this Account.  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 tion, we will tell you our decision.  At that point, if we think you owe tion, tion, we will tell you our decision.  At that point, if we think you owe tion, we will tell you our decision.  At that point, if we think you owe  we will tell you our decision.  At that point, if we think you owe an
   ASSIGNMENT: We may assign your Account and our rights under this ASSIGNMENT: We may assign your Account and our rights under this ASSIGNMENT: We may assign your Account and our rights under this ASSIGNMENT: We may assign your Account and our rights under this 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. an amount and you do not pay we may report you as delinquent. an amount and you do not pay we may report you as delinquent. an amount and you do not pay we may report you as delinquent. amount and you do not pay we may report you as delinquent. of Sale Items and  of Sale Items and  of Sale Items and  of Sale Items and 
   ASSIGNMENT: We may assign your Account and our rights under this ASSIGNMENT: We may assign your Account and our rights under this an amount and you do not pay we may report you as delinquent.            Special Events of Sale Items and  of Sale Items and 
   Agreement at any time to any third party without further notice to you. Agreement at any time to any third party without further notice to you. Agreement at any time to any third party without further notice to you. Agreement at any time to any third party without further notice to you.
   Agreement at any time to any third party without further notice to you. 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 If this Agreement is assigned, all of our rights under this Agreement will If this Agreement is assigned, all of our rights under this Agreement will If this Agreement is assigned, all of our rights under this Agreement will PAYMENT REQUIREMENTS: You may, at any time, pay your total in- PAYMENT REQUIREMENTS: You may, at any time, pay your total in- PAYMENT REQUIREMENTS: You may, at any time, pay your total in- PAYMENT REQUIREMENTS: You may, at any time, pay your total in- PAYMENT REQUIREMENTS: You may, at any time, pay your total in-
   If this Agreement is assigned, all of our rights under this Agreement will If this Agreement is assigned, all of our rights under this Agreement will Special Events Special Events Special Events Special Events
   continue to apply to any assignee or holder of this Agreement.  continue to apply to any assignee or holder of this Agreement.  continue to apply to any assignee or holder of this Agreement.  continue to apply to any assignee or holder of this Agreement.  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 debtedness (the New Balance) or any part of it, but you must pay at debtedness (the New Balance) or any part of it, but you must pay at debtedness (the New Balance) or any part of it, but you must pay at debtedness (the New Balance) or any part of it, but you must pay at Special Events Special Events
   continue to apply to any assignee or holder of this Agreement.  continue to apply to any assignee or holder of this Agreement.  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 least the Minimum Payment Due as of the Payment Due Date shown least the Minimum Payment Due as of the Payment Due Date shown least the Minimum Payment Due as of the Payment Due Date shown least the Minimum Payment Due as of the Payment Due Date shown  
   TELEPHONE MONITORING: We treat every guest call confidentially. TELEPHONE MONITORING: We treat every guest call confidentially. TELEPHONE MONITORING: We treat every guest call confidentially. TELEPHONE MONITORING: We treat every guest call confidentially. least the Minimum Payment Due as of the Payment Due Date shown
   TELEPHONE MONITORING: We treat every guest call confidentially. To TELEPHONE MONITORING: We treat every guest call confidentially. on the front of your statement.  Payments shall be made by check or on the front of your statement.  Payments shall be made by check or on the front of your statement.  Payments shall be made by check or on the front of your statement.  Payments shall be made by check or on the front of your statement.  Payments shall be made by check or
   To ensure you receive accurate and courteous guest service, on occa- To ensure you receive accurate and courteous guest service, on occa- To ensure you receive accurate and courteous guest service, on occa- To ensure you receive accurate and courteous guest service, on occa- on the front of your statement.  Payments shall be made by check or
   ensure you receive accurate and courteous guest service, on occasion To ensure you receive accurate and courteous guest service, on occa- money order and shall reference your account number.  Payments money order and shall reference your account number.  Payments money order and shall reference your account number.  Payments money order and shall reference your account number.  Payments money order and shall reference your account number.  Payments
   sion your call may be monitored by a second associate.  sion your call may be monitored by a second associate.  sion your call may be monitored by a second associate.  sion your call may be monitored by a second associate.  money order and shall reference your account number.  Payments
   your call may be monitored by a second associate.  sion your call may be monitored by a second associate.  may be made by mailing your payment to the address provided for may be made by mailing your payment to the address provided for may be made by mailing your payment to the address provided for may be made by mailing your payment to the address provided for may be made by mailing your payment to the address provided for
                                      may be made by mailing your payment to the address provided for
   ENTIRE AGREEMENT: This is the entire Agreement between you and ENTIRE AGREEMENT: This is the entire Agreement between you and ENTIRE AGREEMENT: This is the entire Agreement between you and ENTIRE AGREEMENT: This is the entire Agreement between you and payments on the front of this statement, via our website or by mak- payments on the front of this statement, via our website or by mak- payments on the front of this statement, via our website or by making payments on the front of this statement, via our website or by mak- payments on the front of this statement, via our website or by mak-
   ENTIRE AGREEMENT: This is the entire Agreement between you and ENTIRE AGREEMENT: This is the entire Agreement between you and payments on the front of this statement, via our website or by mak-
   us and no oral changes can be made. us and no oral changes can be made. us and no oral changes can be made. us and no oral changes can be made. ing a payment at any Rogers & Hollands store location. Payments ing a payment at any Rogers & Hollands store location. Payments a payment at any Ashcroft & Oak store location. Payments must be ing a payment at any Rogers & Hollands store location. Payments ing a payment at any Rogers & Hollands store location. Payments
   us and no oral changes can be made. us and no oral changes can be made. 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 must be received by 5:00 p.m. on the Payment Due Date shown on received by 5:00 p.m. on the Payment must be received by 5:00 p.m. on the Payment Due Date shown on must be received by 5:00 p.m. on the Payment Due Date shown on  Due Date shown on the front
                                      must be received by 5:00 p.m. on the Payment Due Date shown on
   NOTICE TO MICHIGAN RESIDENTS: THE SELLER RETAINS A SE- NOTICE TO MICHIGAN RESIDENTS: THE SELLER RETAINS A SE- NOTICE TO MICHIGAN RESIDENTS: THE SELLER RETAINS A SE- NOTICE TO MICHIGAN RESIDENTS: THE SELLER RETAINS A SE- the front of this statement.   the front of this statement.   the front of this statement.   the front of this statement.   of this statement.  
   NOTICE TO MICHIGAN RESIDENTS: THE SELLER RETAINS A SECU- NOTICE TO MICHIGAN RESIDENTS: THE SELLER RETAINS A SE- the front of this statement.  
   CURITY INTEREST IN THE SUBJECT MATTER OF THIS AGREEMENT. CURITY INTEREST IN THE SUBJECT MATTER OF THIS AGREEMENT. CURITY INTEREST IN THE SUBJECT MATTER OF THIS AGREEMENT. CURITY INTEREST IN THE SUBJECT MATTER OF THIS AGREEMENT. Please be advised, if any payment received by Rogers & Hollands does Please be advised, if any payment received by Rogers & Hollands does Please be advised, if any payment received by Rogers & Hollands does Please be advised, if any payment received by Rogers & Hollands does Please be advised, if any payment received by Ashcroft & Oak does
   RITY INTEREST IN THE SUBJECT MATTER OF THIS AGREEMENT. CURITY INTEREST IN THE SUBJECT MATTER OF THIS AGREEMENT. Please be advised, if any payment received by Rogers &  Hollands does
                                      not conform to the requirements listed above, we have the right to take not conform to the requirements listed above, we have the right to take not conform to the requirements listed above, we have the right to take not conform to the requirements listed above, we have the right to take not conform to the requirements listed above, we have the right to take
   NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS not conform to the requirements listed above, we have the right to take
   NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS up to five days from receipt of such payment to credit it to your account. up to five days from receipt of such payment to credit it to your account. up to five days from receipt of such payment to credit it to your account. up to five days from receipt of such payment to credit it to your account. up to five days from receipt of such payment to credit it to your account.
   SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR up to five days from receipt of such payment to credit it to your account.
   SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR
   COULD ASSERT AGAINST THE SELLER OF THE GOODS AND SERV- COULD ASSERT AGAINST THE SELLER OF THE GOODS AND SERV- COULD ASSERT AGAINST THE SELLER OF THE GOODS AND SERV- COULD ASSERT AGAINST THE SELLER OF THE GOODS AND SERV- CREDIT BALANCES: Any credit balance on your account (indicated by CREDIT BALANCES: Any credit balance on your account (indicated by CREDIT BALANCES: Any credit balance on your account (indicated by CREDIT BALANCES: CREDIT BALANCES: Any credit balance on your account (indicated by Any credit balance on your account (indicated
   COULD ASSERT AGAINST THE SELLER OF THE GOODS AND SERV- COULD ASSERT AGAINST THE SELLER OF THE GOODS AND SERV-
   ICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS ICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS ICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS ICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS CREDIT BALANCES: Any credit balance on your account (indicated by
                                      a �-� in the New Balance box) is money we owe you.  You can make a �-� in the New Balance box) is money we owe you.  You can make a �-� in the New Balance box) is money we owe you.  You can make a �-� in the New Balance box) is money we owe you.  You can make by a �-� in the New Balance box) is money we owe you.  You can make
   ICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS ICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS
   HEREOF, RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT HEREOF, RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT HEREOF, RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT HEREOF, RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT 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 charges against this amount, or you may obtain a refund of the full charges against this amount, or you may obtain a refund of the full charges against this amount, or you may obtain a refund of the full charges against this amount, or you may obtain a refund of the full
   HEREOF, RECOVERY HEREUNDER HEREOF, RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT  BY THE DEBTOR SHALL NOT
   EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. charges against this amount, or you may obtain a refund of the full
   EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. amount by writing to the amount by writing to the address indicated on the front of this state- amount by writing to the address indicated on the front of this state- amount by writing to the address indicated on the front of this state- amount by writing to the address indicated on the front of this state-  address indicated on the front of this state-
   EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 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 ment.  If we do not receive a written request from you to refund the ment.  If we do not receive a written request from you to refund the ment.  If we do not receive a written request from you to refund the ment.  If we do not receive a written request from you to refund the
   NOTICE TO BUYER/CONSUMER: (a) DO NOT SIGN THIS AGREE- NOTICE TO BUYER/CONSUMER: (a) DO NOT SIGN THIS AGREE- NOTICE TO BUYER/CONSUMER: (a) DO NOT SIGN THIS AGREE- NOTICE TO BUYER/CONSUMER: (a) DO NOT SIGN THIS AGREE- ment.  If we do not receive a written request from you to refund the
   NOTICE TO BUYER/CONSUMER: (a) DO NOT SIGN THIS AGREE- NOTICE TO BUYER/CONSUMER: (a) DO NOT SIGN THIS AGREE- credit balance, any remaining credit balance over $1.00 on your ac- credit balance, any remaining credit balance over $1.00 on your ac- credit balance, any remaining credit balance over $1.00 on your ac- credit balance, any remaining credit balance over $1.00 on your ac- credit balance, any remaining credit balance over $1.00 on your ac-
   MENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK MENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK MENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK MENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK credit balance, any remaining credit balance over $1.00 on your ac-
   MENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK MENT BEFORE YOU READ  IT OR IF IT CONTAINS ANY BLANK count will be refunded 90 days after the end of the billing period in which count will be refunded 90 days after the end of the billing period in which count will be refunded 90 days after the end of the billing period in which count will be refunded 90 days after the end of the billing period in which count will be refunded 90  days after the end of the billing period in which
   SPACES; (b) YOU ARE ENTITLED TO A COMPLETELY FILLED-IN SPACES; (b) YOU ARE ENTITLED TO A COMPLETELY FILLED-IN SPACES; (b) YOU ARE ENTITLED TO A COMPLETELY FILLED-IN SPACES; (b) YOU ARE ENTITLED TO A COMPLETELY FILLED-IN count will be refunded 90 days after the end of the billing period in which
   SPACES; (b) YOU ARE ENTITLED TO A COMPLETELY FILLED-IN SPACES; (b) YOU ARE ENTITLED TO A COMPLETELY FILLED-IN the credit balance first appears. the credit balance first appears. the credit balance first appears. the credit balance first appears. the credit balance first appears.
   COPY OF THIS AGREEMENT AT THE TIME YOU SIGN, KEEP IT TO COPY OF THIS AGREEMENT AT THE TIME YOU SIGN, KEEP IT TO COPY OF THIS AGREEMENT AT THE TIME YOU SIGN, KEEP IT TO COPY OF THIS AGREEMENT AT THE TIME YOU SIGN, KEEP IT TO the credit balance first appears.
   COPY OF THIS AGREEMENT AT THE TIME YOU SIGN, KEEP IT TO COPY OF THIS AGREEMENT AT THE TIME YOU SIGN, KEEP IT TO
   PROTECT YOUR LEGAL RIGHTS; AND (c) YOU MAY PROTECT YOUR LEGAL RIGHTS; AND (c) YOU MAY PROTECT YOUR LEGAL RIGHTS; AND (c) YOU MAY PROTECT YOUR LEGAL RIGHTS; AND (c) YOU MAY  PAY THE  PAY THE  PAY THE  PAY THE
   PROTECT YOUR LEGAL RIGHTS; AND (c) YOU MAY PAY THE PROTECT YOUR LEGAL RIGHTS; AND (c) YOU MAY PAY THE FULL BALANCE COMPUTATION METHOD: The Balance Subject to Inter- BALANCE COMPUTATION METHOD: The Balance Subject to Inter- BALANCE COMPUTATION METHOD: The Balance Subject to Inter- BALANCE COMPUTATION METHOD: The Balance Subject to Inter- BALANCE COMPUTATION METHOD: The Balance Subject to Interest
   FULL BALANCE ON YOUR ACCOUNT AT ANY TIME AND UNDER FULL BALANCE ON YOUR ACCOUNT AT ANY TIME AND UNDER FULL BALANCE ON YOUR ACCOUNT AT ANY TIME AND UNDER FULL BALANCE ON YOUR ACCOUNT AT ANY TIME AND UNDER BALANCE COMPUTATION METHOD: The Balance Subject to Inter-
   BALANCE ON YOUR ACCOUNT AT ANY TIME AND UNDER CER- FULL BALANCE ON YOUR ACCOUNT AT ANY TIME AND UNDER est Rate was determined by the Average Daily Balance Method (ex- est Rate was determined by the Average Daily Balance Method (ex- est Rate was determined by the Average Daily Balance Method (ex- est Rate was determined by the Average Daily Balance Method (ex- Rate was determined by the Average Daily Balance Method (excluding
   CERTAIN CIRCUMSTANCES TO OBTAIN A PARTIAL REFUND OF CERTAIN CIRCUMSTANCES TO OBTAIN A PARTIAL REFUND OF CERTAIN CIRCUMSTANCES TO OBTAIN A PARTIAL REFUND OF CERTAIN CIRCUMSTANCES TO OBTAIN A PARTIAL REFUND OF est Rate was determined by the Average Daily Balance Method (ex-
   TAIN CIRCUMSTANCES TO OBTAIN A PARTIAL REFUND OF THE CERTAIN CIRCUMSTANCES TO OBTAIN A PARTIAL REFUND OF cluding current transactions).  Please call 1-800-326-4116 if you would cluding current transactions).  Please call 1-800-326-4116 if you would cluding current transactions).  Please call 1-800-326-4116 if you would cluding current transactions).  Please call 1-800-326-4116 if you would current transactions).  Please call 1-800-326-4116 if you would like a de-
   THE FINANCE CHARGE.  THE FINANCE CHARGE.  THE FINANCE CHARGE.  THE FINANCE CHARGE.  cluding current transactions).  Please call 1-800-326-4116 if you would
   FINANCE CHARGE.  THE FINANCE CHARGE.  like a detailed explanation of this method and how the resulting inter- like a detailed explanation of this method and how the resulting inter- like a detailed explanation of this method and how the resulting inter- like a detailed explanation of this method and how the resulting inter- tailed explanation of this method and how the resulting interest charges
                                      like a detailed explanation of this method and how the resulting inter-
                                      est charges were determined. est charges were determined. est charges were determined. est charges were determined. were determined.
                                      est charges were determined.
                                                                           The Ampersand design is a trademark of Rogers Enterprises, Inc.
                                                                             The Ampersand design is a trademark of Rogers Enterprises, Inc. The Ampersand design is a trademark of Rogers Enterprises, Inc. The Ampersand design is a trademark of Rogers Enterprises, Inc. The Ampersand design is a trademark of Rogers Enterprises, Inc.
                                                                            The Ampersand design is a trademark of Rogers Enterprises, Inc.
                                                                                  Jewelry enlarged to show detail.
                                  Page 4 Page 4 Page 4 Page 4
                                  Page 4 Page 4                            The Ampersand design is a trademark of Rogers Enterprises, Inc. 57399_RH r2_R&H 07_24_08  4/9/13  6:25 PM  Page 2
 57399_AO.r2  4/16/13  5:12 PM  Page 2
                                                                                      This Is Your Copy, Please Retain It For Your Records  This Is Your Copy, Please Retain It For Your Records 
                                                                                               IMPORTANT INFORMATION
      STORE: STORE:                            RETAIL ACCOUNT APPLICATION  RETAIL ACCOUNT APPLICATION  IMPORTANT INFORMATION
                                                                          INTEREST RATES AND INTEREST CHARGES INTEREST RATES AND INTEREST CHARGES
                                                                          ANNUAL PERCENTAGE RATE (APR) FOR ANNUAL PERCENTAGE RATE (APR) FOR
      ACCT. NO. ACCT. NO.      OFFICE USE ONLY OFFICE USE ONLY SALE AMT.** SALE AMT.** DOWN PMT./TRADE DOWN PMT./TRADE NET SALE NET SALE to to when you open your account, the APR varies by state. when you open your account, the APR varies by state.
                                                                          PURCHASES PURCHASES   18.00%    24.99% 18.00%   24.99%
      601801-  601801-                                                                          Please see �APR by State� listed in our Retail Account Agreement to determine your APR Please see �APR by State� listed in our Retail Account Agreement to determine your APR
     STORE USE ONLY:  Identification Required: a valid photo ID from ALL applicants.  STORE USE ONLY:  Identification Required: a valid photo ID from ALL applicants.   * * HOW TO AVOID PAYING INTEREST ON HOW TO AVOID PAYING INTEREST ON Your due date is at least 26 days after the close of each billing cycle. We will not charge you any interest Your due date is at least 26 days after the close of each billing cycle. We will not charge you any interest
        Applicant Photo ID (check one) Valid Photo ID (check one) Photo ID# Photo ID# Photo ID State Photo ID State Expiration Date Expiration Date ID Verified by: ID Verified by: PURCHASES PURCHASES on your purchase if you pay your entire balance by the due date each month. on your purchase if you pay your entire balance by the due date each month.
       n n Driver�s License Driver�s License n n Military ID Military ID of Photo ID of Photo ID
       n       n                                                                                If you are charged interest, the charge will be no less than $.50. ** If you are charged interest, the charge will be no less than $.50. **
       n State ID State ID n Passport Passport                            MINIMUM INTEREST CHARGE MINIMUM INTEREST CHARGE
                                                                          FOR CREDIT CARD TIPS FROM THE FEDERAL FOR CREDIT CARD TIPS FROM THE FEDERAL To learn more about factors to consider when applying for or using a credit card, visit the website of the To learn more about factors to consider when applying for or using a credit card, visit the website of the
     APPLICANT - Please read the following before completing this form: (1) Applicant represents that the information given in this Application is com- APPLICANT - Please read the following before completing this form: (1) Applicant represents that the information given in this Application is
                                                                          RESERVE BOARD RESERVE BOARD Federal Reserve Board at http://www.federalreserve.gov/creditcard Federal Reserve Board at http://www.federalreserve.gov/creditcard
     plete and accurate and authorizes us to check with credit reporting agencies, credit references and other sources disclosed herein in  complete and accurate and authorizes us to check with credit reporting agencies, credit references and other sources disclosed herein in 
     investigating the information given; (2) Applicant requests a Credit Card if it is our practice to provide one; (3) Married applicants may apply for investigating the information given; (2) Applicant requests a Credit Card if it is our practice to provide one; (3) Married applicants may apply for FEES FEES
     an individual Account; (4) Applicant represents that this Account will only be used for personal, family or household purposes; (5)**Sale amount - an individual Account; (4) Applicant represents that this Account will only be used for personal, family or household purposes; (5)**Sale amount - ANNUAL AND MAINTENANCE FEES ANNUAL AND MAINTENANCE FEES
     this figure does not reflect the amount of credit applied for; it reflects purchase price of merchandise only. READ THE ATTACHED AGREEMENT this figure does not reflect the amount of credit applied for; it reflects purchase price of merchandise only. READ THE ATTACHED AGREEMENT *ANNUAL FEE *ANNUAL FEE None None . Not permitted in state of PA . .
     AND SIGN BELOW BEFORE SUBMITTING YOUR APPLICATION. AND SIGN BELOW BEFORE SUBMITTING YOUR APPLICATION.
                                                                           *ACCOUNT MAINTENANCE FEE *ACCOUNT MAINTENANCE FEE Up to $60.00 annually (up to $5.00 per month when you carry a balance). Up to $60.00 annually (up to $5.00 per month when you carry a balance).
      First Name First Name M.I. M.I. Last Name Last Name D.O.B. D.O.B. SSN SSN
                                                                          PENALTY FEES PENALTY FEES
    A  A                                                                                        Up to $39.00, the late payment fee varies by state. Please see �Late Payment Fee by State� listed in Up to $39.00, the late payment fee varies by state. Please see �Late Payment Fee by State� listed in our
                                                                           *LATE PAYMENT *LATE PAYMENT our Retail Account Agreement to determine the appropriate late payment fee. Retail Account Agreement to determine the appropriate late payment fee.
    P  P  Street Address Street Address Apt. # Apt. # Do You: (Check One) Do You: (Check One) Mortgage Company Mortgage Company
                                                                                                Up to $30.00, the returned payment fee varies by state. Please see �Retured Check Fee by State� Up to $30.00, the returned payment fee varies by state. Please see �Retured Check Fee by State� listed
    P  P                                      n Own n Rent n Other n Own n Rent n Other *RETURNED PAYMENT *RETURNED PAYMENT
                                                                                                listed in our Retail Account Agreement to determine the appropriate returned payment fee. in our Retail Account Agreement to determine the appropriate returned payment fee.
    L  L 
      City City      State State Zip Zip      How Long How Long Home Phone Home Phone How we will calculate the balance on which your finance charges are computed: We use a method called �Average Daily Balance (excluding new purchases).� How we will calculate the balance on which your finance charges are computed: We use a method called �Average Daily Balance (excluding new purchases).�
    I  I                                                                 Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in our Retail Account Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in our Retail Account Agreement.
                                              _____Yrs.   _____Mos. _____Yrs.   _____Mos. (            ) (            ) Effective Date: This information was printed March, 2013. This information is accurate as of this date and is subject to change at any time. You should contact Effective Date: This information was printed April, 2013 . This information is accurate as of this date and is subject to change at any time. You should contact
    C  C                                                                 Ashcroft  & Oak at 1-800-326-4116 to determine if there are any changes to this information since April, 2013 . Rogers & Hollands at 1-800-326-4116 to determine if there are any changes to this information since March, 2013.
      E-Mail Address E-Mail Address       Relative Relative Relative Phone Relative Phone
    A  A                                                                                        ROGERS & HOLLANDS ASHCROFT & OAK 
                                                      (            ) (            )
    N  N                                                                                     RETAIL ACCOUNT AGREEMENT RETAIL ACCOUNT AGREEMENT
    T T Place of Employment Place of Employment How Long How Long Phone Phone Total Gross Monthly Income From all Sources* Gross Annual Income TERMS USED IN THIS AGREEMENT: In this Retail Account Agreement TERMS USED IN THIS AGREEMENT: In this Retail Account Agreement FINANCE CHARGE until the first day of the billing period following the pur- FINANCE CHARGE until the first day of the billing period following the pur-
                                                                         (the�Agreement�), the words �we�, �us� and �our� mean the Seller identified (the�Agreement�), the words �we�, �us� and �our� mean the Seller identified chase date, and no FINANCE CHARGE chase date, and no FINANCE CHARGE will be assessed on such  will be assessed on such 
                                 _____Yrs.  _____Mos. _____Yrs.  _____Mos. (            ) (            ) $ $ at the end of this Agreement and any person to whom this Agreement or at the end of this Agreement and any person to whom this Agreement or purchases if they are paid within twenty-six (26) days of the first billing date purchases if they are paid within twenty-six (26) days of the first billing date
                                                                         the indebtedness under this Agreement may be assigned, the words �you� the indebtedness under this Agreement may be assigned, the words �you� following the date of purchase. Late Payment Fees are not included in the following the date of purchase. Late Payment Fees are not included in the
     *Alimony, child support or separate maintenance income need not be disclosed unless relied upon for credit. and �your� mean each Applicant, including Joint Applicant, who is approved and �your� mean each Applicant, including Joint Applicant, who is approved balance subject to FINANCE CHARGE.  balance subject to FINANCE CHARGE. 
    A  First Name                                                        by us for this Retail Account (the �Account�). This Account and all  by us for this Retail Account (the �Account�). This Account and all 
    A  First Name    M.I. M.I. Last Name Last Name D.O.B. D.O.B. SSN SSN
                                                                         purchases made on it are not binding on us until your credit is approved. purchases made on it are not binding on us until your credit is approved. **A minimum finance charge will not be assessed in Wisconsin. **A minimum finance charge will not be assessed in Wisconsin.
    P                                                                    Your credit will be considered approved when we give notice of approval Your credit will be considered approved when we give notice of approval
    P                                                                                                      EXPEDITED PAYMENT FEE: A charge of $5.00 will be assessed for pay- EXPEDITED PAYMENT FEE: A charge of $5.00 will be assessed for pay-
                                                                         to you and, if applicable, upon your signing a Sales Invoice for purchases to you and, if applicable, upon your signing a Sales Invoice for purchases
                                                                                                           ments made over the phone with one of our service representatives using
   J J P                                                                                                   ments made over the phone with one of our service representatives using
    P                                                                    for which we have extended credit.  for which we have extended credit. 
      Street Address Street Address Apt. # Apt. # Home Phone Home Phone                                    a checking account.  A charge of $10.00 will be assessed for payments a checking account.  A charge of $10.00 will be assessed for payments
   O L                                                                   PROMISE TO PAY: In consideration of our granting credit on this Account, PROMISE TO PAY: In consideration of our granting credit on this Account, made over the phone with one of our service representatives using a debit made over the phone with one of our service representatives using a debit
   O L                                        (            ) (            )
                                                                         you promise to pay us the purchase price of purchases charged to this Ac- you promise to pay us the purchase price of purchases charged to this Ac- or credit card.  This charge will not be assessed against residents of PA. or credit card.  This charge will not be assessed against residents of PA.
   I I I  I 
      City                                                               count by you or anyone you authorize to use your Account. If the Account count by you or anyone you authorize to use your Account. If the Account
      City           State State Zip Zip      D.L. # D.L. #                                                MINIMUM MONTHLY PAYMENT: You agree to pay a Minimum Monthly MINIMUM MONTHLY PAYMENT: You agree to pay a Minimum Monthly
                                                                         is a joint Account, the applicant and joint applicant each agree to pay and is a joint Account, the applicant and joint applicant each agree to pay and
   N N C  C                                                          DETACH HERE DETACH HERE               Payment each time we send you a Statement plus any past due amount(s). Payment each time we send you a Statement plus any past due amount(s).
                                                                         are jointly and individually responsible for all amounts charged on the Ac- are jointly and individually responsible for all amounts charged on the Ac-
                                                                                                           The Minimum Monthly Payment will be 3.5% (rounded to the next highest The Minimum Monthly Payment will be 3.5% (rounded to the next highest
   T T A                                                                 count. When there is a balance due on your monthly billing statement (the count. When there is a balance due on your monthly billing statement (the
    A                                                                                                      dollar) of the outstanding �New Balance� on the Account as shown on the dollar) of the outstanding �New Balance� on the Account as shown on the
      Place of Employment Place of Employment How Long How Long Phone Phone Total Gross Monthly Income From all Sources* �Statement�), you agree to pay, in time for receipt by us within twenty-six �Statement�), you agree to pay, in time for receipt by us within twenty-six
                                                    Gross Annual Income                                    statement, or $30.00 whichever amount is greater. You may at any time statement, or $30.00 whichever amount is greater. You may at any time
    N  N                                                                 (26) days after the billing date (the �Due Date� shown on the Statement), (26) days after the billing date (the �Due Date� shown on the Statement),
                                                                                                           pay your �New Balance�, but you must pay at least the Minimum Monthly pay your �New Balance�, but you must pay at least the Minimum Monthly
                                 _____Yrs.  _____Mos. (            ) $   either (a) the total balance due or (b) at least the Minimum Monthly Pay- either (a) the total balance due or (b) at least the Minimum Monthly Pay-
                                 _____Yrs.  _____Mos. (            ) $                                     Payment. Payment on your Account must be made by cash, check or Payment. Payment on your Account must be made by cash, check or
    T T                                                                  ment shown on the Statement.   ment shown on the Statement.  
                                                                                                           money order in U.S. currency. Any cash, check or money order in a  money order in U.S. currency. Any cash, check or money order in a 
     STATE LAW REQUIRES US TO GIVE YOU THE FOLLOWING NOTICES: You give us permission to request a consumer report from consumer STATE LAW REQUIRES US TO GIVE YOU THE FOLLOWING NOTICES: You give us permission to request a consumer report from consumer APR BY STATE: When there is a balance subject to Finance Charge on APR BY STATE: When there is a balance subject to Finance Charge on denomination of foreign (not U.S.) currency will nor be credited until  denomination of foreign (not U.S.) currency will nor be credited until 
     reporting agencies in considering this Application and subsequently for the purpose of an update, renewal or extension of credit or reviewing or reporting agencies in considering this Application and subsequently for the purpose of an update, renewal or extension of credit or reviewing or your Account, you will be assessed an Annual Percentage Rate (APR) on your Account, you will be assessed an Annual Percentage Rate (APR) on converted into U.S. funds, and you agree to pay any amount remaining converted into U.S. funds, and you agree to pay any amount remaining
     collecting the account. Upon applicant�s request, we will inform applicant of the name and address of each consumer reporting agency from collecting the account. Upon applicant?s request, we will inform applicant of the name and address of each consumer reporting agency from this balance as follows:  Illinois � 24.99%, Indiana � 21.00%, Kentucky � this balance as follows:  Illinois � 24.99%, Indiana � 21.00%, Kentucky � due and owing after conversion to U.S. funds.  due and owing after conversion to U.S. funds. 
     which we obtain a consumer report, if any, relating to applicant and joint applicant. Wisconsin Residents: No provision of a marital property agree- which we obtain a consumer report, if any, relating to applicant and joint applicant. Wisconsin Residents: No provision of a marital property agree- 24.99%, Michigan � 24.99%, Minnesota � 18.00%, Missouri � 24.99%, 24.99%, Michigan � 24.99%, Minnesota � 18.00%, Missouri � 24.99%,
                                                                                                           SECURITY INTEREST: We retain a purchase money security interest in SECURITY INTEREST: We retain a purchase money security interest in
     ment, a unilateral statement under Sec. 766.59, Wis. Stats., or a court decree under Sec. 766.70, Wis. Stats., adversely affects the interest of ment, a unilateral statement under Sec. 766.59, Wis. Stats., or a court decree under Sec. 766.70, Wis. Stats., adversely affects the interest of the Ohio � 24.99%, PA � 24.99%, Tennessee � 21.00% and Wisconsin � 24.99%.  Ohio � 24.99%, PA � 24.99%, Tennessee � 21.00% and Wisconsin � 24.99%. 
                                                                                                           all merchandise purchased on your Account until the account is paid in all merchandise purchased on your Account until the account is paid in
     the creditor unless before credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of creditor unless before credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the LATE PAYMENT FEE BY STATE: You agree to pay a Late Payment Fee on LATE PAYMENT FEE BY STATE: You agree to pay a Late Payment Fee on full. If you do not make your Minimum Monthly Payment on time, we may full. If you do not make your Minimum Monthly Payment on time, we may
     the adverse obligation when the obligation to the creditor is incurred.  adverse obligation when the obligation to the creditor is incurred.  each installment not paid as follows: Illinois � Up to $10.00 assessed 10 days each installment not paid as follows: Illinois � Up to $10.00 assessed 10 days repossess only the merchandise which has not been paid in full to the  repossess only the merchandise which has not been paid in full to the 
                                                                         after payment due date, Indiana � Up to $5.00 assessed 10 days after payment after payment due date, Indiana � Up to $5.00 assessed 10 days after payment extent permitted by law. We will apply and allocate payments and credits extent permitted by law. We will apply and allocate payments and credits
     We are required to ask married residents of Wisconsin who have applied for individual credit to give us the following information:  We are required to ask married residents of Wisconsin who have applied for individual credit to give us the following information: 
                                                                         due date, Kentucky � Up to $30.00 assessed 10 days after payment due date, due date, Kentucky � Up to $30.00 assessed 10 days after payment due date, among features and to Charges and transactions on your Account in any among features and to Charges and transactions on your Account in any
                                                                         Michigan � Up to $39.00 assessed 10 days after payment due date, Minnesota Michigan � Up to $39.00 assessed 10 days after payment due date, Minnesota order and manner determined by us in our sole discretion for servicing, order and manner determined by us in our sole discretion for servicing,
     Name of Spouse: __________________________________________   Address of Spouse: _________________________________________  Name of Spouse: __________________________________________   Address of Spouse: _________________________________________  � Up to $5.00 assessed 10 days after payment due date, Missouri � Up to $5.00 � Up to $5.00 assessed 10 days after payment due date, Missouri � Up to $5.00 administrative, systems or other business reasons. You agree that we have administrative, systems or other business reasons. You agree that we have
                                                                         assessed 10 days after payment due date, Ohio � Up to $39.00 assessed as assessed 10 days after payment due date, Ohio � Up to $39.00 assessed as the unconditional right to exercise this discretion.  the unconditional right to exercise this discretion. 
     ACKNOWLEDGEMENT OF RETAIL ACCOUNT AGREEMENT (�AGREEMENT�) ACKNOWLEDGEMENT OF RETAIL ACCOUNT AGREEMENT (�AGREEMENT�) of payment due date, PA � $39.00 assessed as of of payment due date, PA � $39.00 assessed as of  due date, Tennessee � Up  due date, Tennessee � Up
                                                                                                           CHANGES IN THIS AGREEMENT: CHANGES IN THIS AGREEMENT: We may change any term of this
                                                                          to $39.00 assessed as of payment due date,       We may change any term of this
                                                                          to $39.00 assessed as of payment due date, and and  Wisconsin � Up to  Wisconsin � Up to  $39.00  $39.00
                                                                                                           Agreement, including the rate of FINANCE CHARGE, by furnishing you
      PLEASE SIGN BELOW                                                                                    Agreement, including the rate of FINANCE CHARGE, by furnishing you
      PLEASE SIGN BELOW                                                   assessed as of payment due date.  assessed as of payment due date.
                                                                                                           notice of the change to the extent required by law. If permitted by applica- notice of the change to the extent required by law. If permitted by applica-
      By signing below, I certify that I have received and read and agree to the RETAIL ACCOUNT AGREEMENT attached.  By signing below, I certify that I have received and read and agree to the RETAIL ACCOUNT AGREEMENT attached. 
                                                                         RETURNED CHECK FEE BY STATE: You agree to pay a Returned Check  RETURNED CHECK FEE BY STATE: You agree to pay a Returned Check  ble law, any new terms may at our option be applied to any balance exist- ble law, any new terms may at our option be applied to any balance exist-
      I agree to be bound by its terms and conditions, and I grant a security interest in the goods I purchase on my account. I agree to be bound by its terms and conditions, and I grant a security interest in the goods I purchase on my account.
                                                                         Fee if any check or instrument for payment on your Account is returned to  Fee if any check or instrument for payment on your Account is returned to  ing in the Account at the time of change, as well as to any subsequent  ing in the Account at the time of change, as well as to any subsequent 
      Applicant�s Signature Applicant�s Signature Date Date Joint Applicant�s Signature Joint Applicant�s Signature Date Date us unpaid as follows:  Illinois � Up to $25.00, Indiana � Up to $25.00,  us unpaid as follows:  Illinois � Up to $25.00, Indiana � Up to $25.00,  transactions.  transactions. 
                                                                         Kentucky � Up to $25.00, Michigan � Up to $25.00, Minnesota � Up to Kentucky � Up to $25.00, Michigan � Up to $25.00, Minnesota � Up
                                                                                                           FAILURE TO MAKE MINIMUM PAYMENT: If you do not make at least the FAILURE TO MAKE MINIMUM PAYMENT: If you do not make at least the
                                                                         $30.00, Missouri � Up to $15.00, Ohio � Pennsylvania: Return check fee  to $30.00, Missouri � Up to $15.00, Ohio � Up to $30.00, Pennsylvania: 
                                                                                                           Minimum Monthly Payment when due, we may, subject to any notice of  Minimum Monthly Payment when due, we may, subject to any notice of 
                                                                         is not permitted, Tennessee � Up to $30.00 and Wisconsin �Up to $30.00. Return check fee is not permitted, Tennessee � Up to $30.00 and 
                                                                                                           default and right to cure default required by state law, require you to  default and right to cure default required by state law, require you to 
           This application and agreement were printed in July 2014 and are accurate as of that date but may have been changed after that date.  This application and agreement were printed in July 2014 and are accurate as of that date but may have been changed after that date.  Wisconsin �Up to $30.00.
                                                                                                           immediately pay the full remaining balance (except in Wisconsin, where you immediately pay the full remaining balance (except in Wisconsin, where you
           To find out what may have changed, write us at Ashcroft & Oak, P.O. Box 879, Matteson, IL 60443.  To find out what may have changed, write us at Rogers & Hollands, P.O. Box 879, Matteson, IL 60443.  BALANCE SUBJECT TO FINANCE CHARGE: The balance subject to  will not be in default until you fail to make a Minimum Monthly Payment on will not be in default until you fail to make a Minimum Monthly Payment on
                                                                         BALANCE SUBJECT TO FINANCE CHARGE: The balance subject to 
                                                                         FINANCE CHARGE in any given billing period is the average daily balance two (2) occasions within a 12-month period). You agree to pay court costs two (2) occasions within a 12-month period). You agree to pay court costs
     CREDIT USE ONLY CREDIT USE ONLY                                     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 and reasonable attorneys� fees to the extent permitted by your state law if and reasonable attorneys� fees to the extent permitted by your state law if
      Authorizer Authorizer App Id App Id Sys Rec Sys Rec Decision Decision Decisioner�s Name Decisioner�s Name 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 your Account is sent for collection to an attorney who is not our salaried your Account is sent for collection to an attorney who is not our salaried
                                                                         billing period. The daily balances are determined by taking the beginning
      Home # Home # Work # Work # Reason Sys Overturned Reason Sys Overturned Call Back Time Call Back Time Processing Time Processing Time balance each day during the billing period and subtracting any payments employee (except no attorneys� fees will be imposed in Wisconsin). employee (except no attorneys� fees will be imposed in Wisconsin).
                                                                         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 
                                                                         and credits entered on that day. New purchases do not begin to accrue a 
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