Terms and Conditions for IRA Bonus Program

Lear Capital, Inc. ("LCI") will pay up to $250 of the IRA set-up, IRA annual maintenance, and IRA custodian fees charged by SDIRA (Self-directed IRA services), GoldStar Trust Company, or any other approved IRA custodian for new LCI customers who purchase precious metals worth $5,000 or more for their Individual Retirement Account ("IRA"). LCI will make this payment directly to the IRA custodian when you complete your IRA transaction with LCI. This LCI promotion is subject to the following terms and conditions.

Which customers and transactions are subject to the LCI IRA Bonus Program?

1. LCI's IRA Bonus Program only applies to customers who have not previously purchased precious metals from or sold precious metals to LCI (or its predecessor, Lear Financial, Inc.) and who set up a new IRA account with SDIRA (Self-directed IRA services), GoldStar Trust, or another approved IRA custodian, and then only to that customer's first IRA purchase transaction with LCI. LCI's IRA Bonus Program does not apply to non-IRA transactions.

How does the LCI IRA Bonus Program work?

2. Step 1. Set up an IRA with SDIRA (Self-directed IRA services), GoldStar Trust Company or another approved IRA custodian. LCI can provide the forms to set up an IRA at SDIRA (Self-directed IRA services) and GoldStar. When the custodian asks how you intend to pay the IRA set-up, IRA annual maintenance, and IRA custodian fees, tell the custodian that LCI will pay the bonus amount directly and you will pay the balance (if any) owed. It is up to you and the custodian whether you pay the balance from your IRA account directly or from outside funds.

Step 2. Once the IRA is set up (and funded), contact LCI and purchase precious metals for your IRA from LCI. (Please note that not all precious metals may be purchased for placement in an IRA.) Once LCI receives your executed Transaction Agreement and payment for your precious metals from the IRA custodian, LCI will transmit payment of the bonus amount directly to the IRA custodian. LCI cannot issue the payment to you under any circumstances. The amount of your bonus will be calculated based on the amount of your qualifying IRA purchase transaction, as set forth on the following schedule:

What other terms and conditions apply?

3. If you set up an IRA account, but do not complete a qualifying purchase transaction with LCI for any reason, LCI will not pay the bonus amount to the custodian and you will be responsible for all of the custodian's fees.

4. LCI may cancel or modify the terms of the LCI IRA Bonus Program at any time without obligation. LCI's IRA Bonus Program is void where prohibited by law. If and to the extent so prohibited, customer agrees that the LCI IRA Bonus Program did not induce him or her to enter the transaction with LCI that would otherwise be subject to the LCI IRA Bonus Program.

5. Customer acknowledges and agrees that (a) no fiduciary relationship exists between LCI and customer, (b) the decision to purchase precious metals, and which precious metals to purchase, are the customer's decision alone, and (c) purchases or sales are made subject to customer's own prudence and judgment. Customer further acknowledges that LCI is not a law firm or tax professional, and that neither LCI nor its sales representatives (or anyone affiliated or representing themselves as affiliated with LCI) are qualified to or authorized to provide legal or tax advice.

6. All terms and conditions set forth in the LCI Transaction Agreement apply to customer's transaction. Please read your LCI Transaction Agreement carefully. The LCI Transaction Agreement contains important information regarding your rights and important disclosures regarding the risks of investing in precious metals.