90 DAYS 

                   No Payments & No Interest*

Saginaw Kitchen & Bath is proud to offer No Payment & No Interest* financing through Home Design Plus, a credit service of GE Money Bank.  This program is available for purchases of $200.00 or more and includes no money down and no payments for 90 days.

Valid on purchases made on the Home Design Plus Credit Card**

* If paid within 90 days.

** Applies to purchases made on a Home Design Plus consumer credit card account.  Under the promotion, no monthly payments are required onthe promotional purchase and no finance charges will be assessed onthe promo purchase as long as: (1) you pay the promo purchase amount in full within 90 Days (the "promo period"), and (2) you pay, when due, the minimum monthly payments on any other balances on your account.  If you fail to satisfy either condition, all special promo terms may be terminated and finance charges may be assessed on the promo purchase amount from the date of the purchase.  Optional credit insurance/debt cancellation charges on your promo purchase are not deferred and are not subject to the promo terms.  Standard account terms apply to non-promotional purchases.  Variable APR is 23.99% as of 7/6/2006.  Fixed APR of 26.99% applies if the minimum payment is not made by the payment due date two times in any six consecutive billing periods.  Minimum finance charge is $1.00.  Existing cardholders should see theircredit card agreement for standard terms.  Offer is subject to credit approval by GE Money Bank.