* The transaction is a lease to own-jewelry purchase agreement. If jewelry is paid off with 90 days same as cash option, you will only pay the “unclaimed price” and up to a 10% early pay off fee of initial purchase price. Otherwise you will need to make payments according to your pay period, plus tax to acquire ownership of the leased to own jewelry; to calculate the cost of ownership before tax, multiply the payments by your pay scheldue . You do not acquire ownership rights unless the merchandise is paid for according to your payment schedule. You may also exercise an early buy-out option that is disclosed in the lease, which will be less than making the all your scheldued payments.