Cut a length of elastic measuring approx. 5" more than your wrist measurement. 
Thread on approx. 23 pearl beads and your Sterling Silver charm bail. 

Knot and secure your elastic so that the beads meet and your bracelet is able to stretch over your hand to fit snuggly on your wrist. 
Trim your excess elastic. 

Create 4 charms by threading pearl beads and faceted crystals onto your Sterling Silver headpins. Trim and loop the end of the headpin to secure the beads onto the pin. Once you have made 4 headpin charms, attach each to a jumpring and attach each to the bail on your bracelet. 
Finally, attach your Sterling Silver heart charm onto a jumpring and then onto the bail.