FINANCE TERMS

Defer Interest Promotional Credit Plans with no payment required:
*Subject to credit approval. When you use your Value City Furniture credit card account, 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 date (6 months from date of purchase any brand, no minimum purchase amount; 12 months from date of purchase, minimum purchase of $1500.00 on American Signature brand furniture). 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 Value City Furniture 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. As of  11/01/2009,  APR is 23.90%, this rate may vary, minimum monthly Finance Charge of $1.00.

Low APR, Equal Payment Credit Plans:
*Subject to credit approval. When you use your Value City Furniture credit card account, Finance Charges are assessed on promotional credit plan purchases from the date of purchase through the end of the promotional period. The minimum payment will be the amount of the purchase including the calculated finance charges that will be assessed from the date of purchase through the end of the promotional period divided by the number of months between the date of the purchase and the promotional period end date (minimum $15.00) rounded up to the nearest whole dollar. 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 two consecutive billing cycles, under this or any other Value City Furniture promotional credit plan, the remaining balance will be included in your regular revolving balance and regular credit terms will apply. During the promotional period, the promotional credit plan purchase is subject to an APR of 9.99%. After the promotional period ends regular credit terms will apply. As of  11/01/2009,  APR is 23.90%, this rate may vary, minimum monthly Finance Charge of $1.00.

MATTRESS DISCLAIMER

Free Delivery, Free Set Up, and Free Removal - with purchase of any premium mattress set $599 or more. Free delivery within normal delivery area. Next day delivery offered on a qualified in-stock mattress set purchase made before 4:00 pm and to be delivered in the stores' daily scheduled delivery areas. Ask associates for delivery schedule details. Offer cannot be used in conjunction with any other offer. See store for details.

TERMS AND CONDITIONS

Prices are in effect from receipt of this circular until the promotional period end date and are subject to change. VCF is not responsible for typographical errors. Assortments vary by location. *Our “Compare at” and “Save” prices reflect the current selling price of comparable merchandise sold by others in the Value City Furniture (VCF) market area. +Advertised higher price is neither a retail price comparison nor a representation by VCF that any sales of this product at this price have taken place in this area. This price is merely a representation of the price VCF believes the product could be sold for in the current retail market. †Limited Lifetime Warranty: Written copy of limited warranty available in-store upon request. Limited warranty applicable for life of original purchaser. See store for details regarding all warranties. ††Guarantee: If you find a similar item (with similar qualities, features and benefits) with the same services, offered for less, within 30 days of purchase, we will gladly offer you a refund of twice the difference between their price and ours.

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*Compare at
+Not
†Guarantee
**12 month financing