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36 Months Low APR, Equal Payment. See plan disclosures for details. 9.99% APR for 36 months. After that, variable
purchase APR of 27.74%. Interest will be charged to your Account from the purchase date at the reduced APR. Minimum
payments are required for each Credit Plan. The Minimum payment for this Credit Plan will be an amount equal to a
percentage of the promotional purchase amount, which percentage will be based on the reduced APR and the length of
the promotional period, rounded up to the nearest $1 (minimum $5. The sum of the required payments each billing
period won’t be less than $35 (or Account balance if less). Minimum payments are NOT guaranteed to pay the
promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid
paying interest at the purchase APR. Some balances may be paid off before the promotional period ends. Your minimum
payment may be higher than if you did not select promotional financing. Valid for single transaction only. Subject
to credit approval. As of May 1, 2020, terms provided for New Accounts: Minimum interest charge of $2 per
Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for
Account terms. Helzberg Diamonds Credit Card Accounts are issued by Comenity Bank.