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Check out this selection of boxed fine jewelry sets under $20 at JCPenney. We found this 2-Piece Sterling Silver Round Jewelry Set, which drops from $74.98 to $19.99. This set includes earrings and a necklace. Similar sets sell elsewhere for $40 or more. Shipping is free when you spend $49, or you can order online and choose free store pickup at $25. Otherwise, shipping adds $8.95.
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