Terms and conditions of the One Year Deferred payment plan:

• Subject to credit approval.
• Minimum purchase of $999.
• Excludes sale merchandise.
• Please call customer service for all internet orders: 1-800-908-6748
• Offer is available for a limited time.
• A 20% down payment is required for custom orders and out-of-stock merchandise.

• Down payments charged to a Z Gallerie Credit Card account will be placed on the Regular Revolving Plan. For the remaining purchase amount, Finance Charges are deferred for promotional credit plan purchases and then accrue from the date of purchase through and including the last day of the promotional period if the purchase amount is not paid in full by the promotional period end -12 date (365 days from date of purchase).

• If the promotional credit plan purchase is not paid in full before the promotional period ends or regular revolving and/or any promotional plan payments are not paid when required for three consecutive billing cycles, under this or any other Z Gallerie promotional credit plan, the remaining balance and the amount of Finance Charges that have accrued from the date of purchase through and including the last day of the promotional period will be included in your regular revolving balance and regular credit terms will apply.

• Accounts are subject to an APR of 22.80%, minimum monthly Finance Charge of $1.00.