SUMMARY OF JARED THE GALLERIA OF JEWELRY CHARGE ACCOUNT TERMS incurred by anyone else you have authorized to use this  Federal law provides important protections to members  before its due date. Your total Minimum Payment is the sum  interest rate of 10.99% and the plan is for 24 months, the  between you and us arising from or relating to your Card,  C. If we or you request arbitration of a Claim, we and  F. If any part of this arbitration provision cannot be  within ?fteen (15) days in CA, ME, and MA; within twenty-one  We will add any Late Payment Fee to your Account�s regular 
                                                                         Account. You are also responsible for the use of each  of the Armed Forces and their dependents relating to  of any minimum payment for your regular balance and for any  required minimum payment is determined as follows: 1/24th  your Account, or this Agreement as well as any related or  you will not have the right to litigate the Claim in court.  enforced, the rest of the arbitration provision will  (21) days in TX; within thirty (30) days in NC; and within forty  balance.
       Interest Rates and Interest Charges                               Card issued on this Account. You may request additional  extensions of consumer credit. In general, the cost of  promotional balance. The minimum payment for your regular  of the purchase price (less any down payment) multiplied  prior agreement that you may have had with us or the  This means (1) there will be no jury trial on the Claim,  continue to apply. However, an arbitrator cannot enlarge  (40) days in RI), we will impose a Late Payment Fee. The  12. Security Interest: You grant us a purchase money 
                                                                         Cards on this Account for yourself or others, and you may  consumer credit to a member of the Armed Forces and his  balance will be the greater of 5% of the regular purchase  by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  relationships resulting from this Agreement, including the  (2) there will be no pre-arbitration discovery except as  his or her authority over the adjudication of Claims  maximum fee is set forth below. The fee charged generally  security interest in each item of merchandise purchased 
                                                                         permit an Authorized User to have access to the Card or  or her dependent may not exceed an annual percentage rate  balance(s), or $30. The minimum payment for your regular  whichever is greater). The minimum payment will never be  validity, enforceability or scope of this arbitration provision or  the Administrator�s rules permit, and (3) no Claim may  beyond that provided by this arbitration provision by  will be the highest amount permitted by law. This means that 
                                                                                                                                                                                                                                                                                                                                           on your Account to secure its unpaid purchase price 
       Annual Percentage Rate   17% to 26.99%. This APR varies by state. See   Account number. However, if you do so, you must pay us  of 36 percent. This rate must include, as applicable to the  balance will never exceed the Regular Balance. more than the remaining promotional purchase balance.  the Agreement. Claims arising in the past, present, or future,  be arbitrated on a class-action, private attorney general,  enforcing only part of this arbitration provision. If an  the fee generally will not exceed the amount of the required 
                                                                                                                                                                                                                                                                                                                                           (except in CT, MO (on any purchase under $150.00), and 
                          Paragraph 3 of the Retail Installment Credit Agreement  for all charges made by those persons. See Paragraph  credit transaction or account: The costs associated with  However, if the promotion speci?es a minimum purchase  including Claims arising before the opening of your Account,  or other representative basis, and neither we nor you will  arbitrator determines that applicable law requires this  minimum payment due immediately prior to the assessment 
       (APR) for Purchases                                                                                                                If your billing statement shows a promotional balance (such                                                                                                                                      NY (on any purchase under $200.00)) until such item 
                                                                         23 for details. When you sign the Application for this  credit insurance premiums; fees for ancillary products sold  amount, in no case will the minimum payment be less than  are subject to arbitration. �Claim� includes, without limitation,  have the right to participate as a representative or member  arbitration provision to be enforced in a way that would  of the fee. In addition, the ?rst time you pay late, the fee will 
                          for details.                                                                                                    as a �No Interest� balance, a �Reduced Interest Rate� balance,                                                                                                                                   of merchandise is paid for in full (in NY, not to exceed 
                                                                         Account, you will be agreeing to everything written here.  in connection with the credit transaction; any application fee  the minimum purchase amount divided by the promotional  claims that arise from or relate to any application for your  of any class or group of claimants pertaining to any Claim  result in greater authority over Claims than otherwise  not exceed $27.00. If you pay late again during the next six 
                                                                                                                                          and/or an �Eighteen (18) Month� balance), the minimum                                                                                                                                            ?ve (5) years from date the purchase is posted to your 
                                                                         Therefore, before you sign the Application, you should  charged (other than certain application fees for speci?ed  period, which may shorten your repayment period in certain  Account or any advertisements, promotions, or statements  subject to arbitration. We or you may elect to arbitrate any  allowed, such as the adjudication of claims on a class or  We apply the  ANNUAL  billing cycles, the fee will not exceed $37.00.  State  Maximum Late Payment Fee  
                                                                                                                                          payment for this balance shall be calculated as speci?ed in                                                                       If you reside in                                               Account). Solely for the purpose of determining the extent 
       How to Avoid Paying  Your due date is at least 25 days after the close of each billing  read this entire Agreement. The information you provide  credit transactions or accounts); and any participation fee  instances. The minimum payment will never be more than the  related to your Account or goods or services that may be  Claim at any time unless it has been ?led in court and trial  representative basis, then the arbitrator must decline to  monthly  PERCENTAGE   AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the 
                                                                                                                                          Paragraph 7. There shall be no separate, additional minimum                                                                         We apply the  ANNUAL         State          Maximum Late Payment Fee   of our purchase money security interest in each such item 
                                                                         on the Application that identi?es you is incorporated in                                         remaining promotional purchase balance.                                                           the state of:  
                                                                                                         charged (other than certain participation fees for a credit                                       ?nanced in connection with your Account. For purposes of  has begun or ?nal judgment has been entered. If you reside in   hear the dispute and shall refer the parties to a court or 
                                                                                                                                                                                                                                                                              monthly  periodic rate of:             MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99 
                          cycle.  We will not charge you interest on purchases if you pay                                                 payment component for a non-regular, non-promotional                                                                                           PERCENTAGE   RATE  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  of merchandise, your payments will be allocated ?rst to 
       Interest on Purchases                                             this Agreement by reference. This Agreement will not be  card account).                                                           this arbitration provision, �you� and �us� also includes any  the state of:   other body with suf?cient authority. In the event of any 
                                                                                                                                                                          Eighteen (18) Month Plan. If any single purchase is designated   D. The party initiating an arbitration shall select an  periodic rate of:   RATE  MN, MS, NV, NH, NY, ND,  OH, OR, PA, SD, WI  outstanding balance is $249.99  or less) 
                                                                                                                                                                                                                                                                                                                                           any unpaid insurance premium, next to any unpaid Late 
                          your entire balance by the due date each month.                                                                 balance unless we provide you notice of such a requirement.
                                                                         effective unless and until we approve your Application.                                                                           corporate af?liates, any licensees, predecessors, successors,   con?ict or inconsistency between this arbitration provision  1.75% to $750.00   21%  OH, OR, PA, SD, WI  or less)  5% of amount past due but not 
                                                                                                         To receive this disclosure and a description of your             as purchased under the �Eighteen Month Plan�, no Interest will   Administrator from the organizations listed above. If none  AL                                  Payment Fees, any unpaid Returned Payment Fees, any 
                                                                                                                                          7. Promotional Terms: At our sole discretion, we may offer       assigns, any purchaser of any accounts, all agents, employees,  and the Administrator�s rules or other provisions of this  1.75% to $750.00   1.5% over $750.00  21%  18%  AL 
                                                                         2. Balances: Each transaction or group of transactions                                                                                                            of the Administrators listed above will accept the arbitration,                          more than $37.00 and not less 
                                                                                                         payment obligation under this agreement orally, please call      be imposed on the promotional purchase for the ?rst twelve                                  AL                                                  5% of amount past due but not  unpaid Interest, and any other unpaid fees or charges, 
                                                                                                                                                                                                           directors and representatives of any of the foregoing, and 
                          None to $1. The minimum interest charge varies by state. See                                                    you promotional terms for a new purchase or for an existing                                                                      Agreement, this arbitration provision will govern. 1.5% over $750.00  18% 
                                                                                                                                                                          (12) months if you make all required minimum payments by         the arbitration will be administered by an administrator, or    AL             more than $37.00 and not less  than $18.00 
       Minimum Interest Charge                                           subject to the same terms (such as the applicable APR and  1-877-328-8334. balance. Any promotion will be subject to the terms of the  other persons referred to below in the de?nition of �Claims�.  AR    1.4167%     17%                                       then to pay off each purchase in the order in which the 
                                                                                                                                                                          the end of the 12th month. If we do not receive all required                                AR   11. Fees:                                      than $18.00 
                                                                         duration) shall be considered part of the same balance. The                                                                                                       adjudicated by an arbitrator, upon which you and we agree in  1.4167%  17%               $10.00 (except $5.00 if the 
                          Paragraph 5 of the Retail Installment Credit Agreement for details.                                                                                                                                                                                                                                              purchase was made.
                                                                                                         4. How to Avoid Paying Interest on Purchases: Your due  promotional offer and this Agreement. Below is a description  �Claim� includes claims of every kind and nature, including  CO, GA, IN, 
                                                                                                                                                                          minimum payments by the end of the 12th month, or if we          writing. The arbitration shall be governed by the procedures  A. Returned Payment Fee: If any check, instrument, or 
                                                                                                                                                                                                                                                                      CO, GA, IN,                                    AZ, KS  $10.00 (except $5.00 if the  minimum payment is $5.00 to 
                                                                         balance subject to the Regular APR and the other regular         of some of the promotional terms that we may offer in our        but not limited to initial claims, counterclaims, cross-claims,  MS, OK, TN,  1.75%   21% 
                                                                                                         date is at least 25 days after the close of each billing                                                                                                                                          AZ, KS         minimum payment is $5.00 to  13. Default/Collection Costs: If you fail to pay any 
                                                                         terms set forth in this Agreement is your Account�s regular                                      do not receive a required minimum payment within 60 days         and rules of the Administrator and this Agreement, which  MS, OK, TN,  electronic authorization used to pay us is not honored upon  1.75%  21%  $25.00) 
                                                                                                                                          sole discretion from time to time.                               third-party claims, and claims based upon contract, tort,        TX, VT, WY                                    $25.00)          minimum payment when due, or if the prospect of 
       For Credit Card Tips from  To learn more about factors to consider when applying for or           cycle. We will not charge you Interest in any billing cycle 
                                                                         balance. We calculate your total regular balance each billing                                    of its due date, Interest will be charged to your account at the  need not apply federal, state or local rules of procedure  TX, VT, WY  ?rst presentment, (for residents of MD, second presentment),  CA, CO, DC, IA  $15.00 
                                                                                                         in which payments received (and if required by law,                                               fraud, and other intentional torts, statutes, regulations,      even if the check, instrument or electronic authorization  DC, MD  2.0%  24%  CA, CO, DC, IA  $15.00  payment, performance, or realization of collateral is 
                                                                         cycle by taking the regular balance for the prior billing        No Interest If Paid in Full Plans. If any single purchase is  Regular APR from the promotional purchase date. After the ?rst  and evidence. The Administrator�s procedures and rules  DC, MD  2.0%  24%  DE, NM, TN, VT  None 
                                                                                                                                                                                                                                                                                                           DE, NM, TN, VT  None            signi?cantly impaired, to the extent permitted by applicable 
       the Consumer Financial   using a credit card, visit the website of the Consumer Financial 
                                                                                                         credits issued) by the due date equal or exceed the New                                           common law, and equity. Claims and remedies sought as 
                                                                                                                                                                          twelve (12) months, we will use the speci?ed reduced APR (the    may limit the discovery available to you or us. You can  is later honored, we may charge you a Returned Payment  HI, MA, MN, NC  1.5%  18% 
                                                                         cycle, adding any regular purchases, fees, Interest Charges,     designated as purchased under a no interest if paid in full plan,                                                           HI, MA, MN, NC  1.5%  18%            FL, MT, NJ, TX  FL, MT, NJ, TX  $10.00  $10.00 
                                                                                                         Balance, including any promotional plan balances, shown                                           part of a class action, private attorney general action, or                                                                     law it will be a default, and, subject to any right you may 
                                                                                                                                                                                                                                                                           Fee. Except as set forth for speci?ed states below, this fee is 
       Protection Bureau  Protection Bureau at:                                                                                           you will pay no Interest on that balance if the promotional  �Promotional APR�), in lieu of the Regular APR, to calculate  obtain a copy of an Administrator�s procedures and rules 
                                                                         other ?nance charges, and other debits, and subtracting                                                                           other representative action are subject to arbitration on an  MI, NY, OH, WV  MI, NY, OH, WV  2.0825%  2.0825%  24.99%  24.99%  GA  GA  $25.00  $25.00  have under state law to receive notice of and to cure such 
                                                                                                         on your billing statement.       purchase is paid in full in the designated promotional time  Interest for the next six (6) months. The Promotional APR will  by contacting the Administrator. A single, neutral arbitrator  up to $37.00. The fee charged generally will be the highest 
                          http://www.consumer?nance.gov/learnmore.       any payments or other credits, as of the closing date for                                                                         individual (non-class, non-representative) basis, and the       amount permitted by law, subject to the speci?ed maximum.  1.75% to $499.99  1.75% to $499.99  Greater of 5% of amount past  Greater of 5% of amount past  default, we may declare the entire unpaid balance on the 
                                                                                                                                          period (which may be 6 months, 12 months, or another period  return to your Regular APR at the expiration of the six month  will resolve Claims. The arbitrator will be either a lawyer with  21%  21% 
                                                                         that billing cycle. Balances subject to promotional terms  5. Calculation of Interest: In all states except MN and NM,            arbitrator may award relief only on an individual (non-class,  NE  NE  1.5% for $500.00 and  1.5% for $500.00 and  ID  ID  due or $15.00 (but not to  due or $15.00 (but not to  Account due and payable (except in WI you will not be 
                                                                                                                                          speci?ed in the promotion). If the promotional purchase balance  period or if we do not receive a required minimum payment  at least ten years experience or a retired or former judge,  This means that the fee generally will not exceed the amount  18%  18% 
                                                                                                                                                                                                                                                                              more                                        exceed $37.00)  exceed $37.00) 
       Fees                                                              are promotional balances. We calculate the total of any  we calculate Interest Charges using the average daily balance            non-representative) basis. �Claim� also includes claims by or             more                                                  in default until you fail to make a minimum payment on 
                                                                                                                                          is not paid in full by the end of the designated promotional  within 60 days of its due date. See Paragraph 3 for details. The  selected in accordance with the rules of the Administrator.  of the required minimum payment due immediately prior 
                                                                         promotional balance by adding the promotional purchase  method (including current transactions). In MN and NM, we                 against any third party relating to or arising from your Card,  All other states   2.2491%  to the date on which the payment is returned. In addition,  All other states   2.2491%  26.99%  Greater of 5% of amount past 
                                                                                                                                                                                                                                                                                                 26.99%                             Greater of 5% of amount past  two occasions within a twelve (12) month period). We 
                                                                                                                                          period, or if we do not receive a required minimum payment  required minimum payment for the promotional balance will  In the event of any con?ict or inconsistency between this 
                                                                         for that balance and subtracting any payments allocated  calculate Interest Charges using the average daily balance                                                                                                               IL, KY, WY     due or $10.00 (but not to 
                                                                                                                                                                                                           your Account, or this Agreement. The term �Claim� is to be 
       Annual Fee         None                                                                                                            within 60 days of its due date, Interest will be charged to your  be 1/18th of the promotional purchase multiplied by 1.030 and  arbitration provision and the Administrator�s rules or other  the ?rst time you make a payment that is returned, the fee  IL, KY, WY  due or $10.00 (but not to  also may repossess any article of merchandise in which 
                                                                                                                                                                                                                                                                                                                          exceed $37.00) 
                                                                         to that promotional balance or other credits. You authorize  method (excluding current transactions). We calculate                given the broadest possible meaning that will be enforced.                                                               exceed $37.00)  we still retain a security interest, but we will do so only 
                                                                                                                                          account at the Regular APR from the promotional purchase  rounded up to the nearest $5.00, but not less than $150.00 or  provisions of this Agreement, this arbitration provision will  will not exceed $27.00. If you make another payment that  IN 
                                                                         us to allocate any payment or credit among your regular  Interest separately for each balance on your Account subject                                                                                                                            $18.50  
                                                                                                                                                                                                           �Administrator� means the American Arbitration Association,     is returned during the next six billing cycles, the fee will not  IN  $18.50   in the manner and to the extent permitted by applicable 
                                                                                                                                          date. Unless the promotion states that there is no separate  not less than $250.00, based on the terms of the offer. govern. The arbitrator will take reasonable steps to protect  Lesser of 5% of amount past 
       Penalty Fees                                                      and promotional balances, in any manner, including in a  to different terms (including APR and duration). We ?gure the            335 Madison Avenue, New York, NY 10017, www.adr.org,            exceed $37.00.                  ME                       Lesser of 5% of amount past  law. If the Account is referred to an attorney who is not 
                          Up to $37. This fee varies by state. See Paragraph 11.B of the                                                  promotional minimum payment, the required minimum                                                customer account information and other con?dential 
                                                                         manner that may be bene?cial to us, except where otherwise  Interest Charges by applying the applicable monthly periodic  8. Payments: All payments must be mailed or delivered to  (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine,  State  Maximum Returned  ME  due or $10.00 
                                                                                                                                          payment for the promotional balance will be the amount of                                        information if requested to do so by you or us. Arbitration  State  Maximum Returned  Lesser of 10% of outstanding  due or $10.00  our salaried employee and we bring a suit against you to 
                                                                         prohibited by applicable law. The total of your regular balance  rate to the �average daily balance� for that balance. To get the  us at the address shown on the front of the billing statement  CA 92614, www.jamsadr.com, (949) 224-1810. Payment Fee 
       � Late Payment     Retail Installment Credit Agreement for details.                                                                                                                                                                                                                                 MA                              collect the amount you owe, in addition to the full amount 
                                                                                                                                          the promotional purchase divided by the promotional period,                                      hearings for Claims by or against you will take place in the 
                                                                                                                                                                          and accompanied by the payment slip. You must pay us in                                     AK, KY, LA, ME, NH,  $37.00  Payment Fee            balance or $10.00  Lesser of 10% of outstanding 
                                                                         and any promotional balances is the �New Balance� shown  average daily balance for a balance, we take the beginning                                                                                                                         MA                    owed and any court costs, you agree to pay our reasonable 
                                                                                                                                          rounded up to the nearest $5.00 increment. However, if the       B. We OR you have the right to require that each Claim be  federal judicial district in which you reside. If you make a  ND, OH, SD, VA, WA,  AK, KY, LA, ME, NH,  $37.00  $10.00 (except $5.00 if the  balance or $10.00 
                          Up to $37. This fee varies by state. See Paragraph 11.A of the  on your statement. balance each day, add any new transactions (except we do     U.S. dollars drawn on funds on deposit in the United States 
                                                                                                                                          promotion speci?es a minimum purchase amount, in no case         resolved by arbitration on an individual (non-class, non- request to us in writing, we will temporarily advance to you  WI      attorney�s fees to the extent permitted by applicable law. 
                                                                                                                                                                                                                                                                            ND, OH, SD, VA, WA,            MO             minimum payment is $5.00 to  $10.00 (except $5.00 if the 
       � Returned Payment                                                                                not add in any new transactions in MN and NM); subtract          using a check or similar instrument that will be processed 
                                                                         3. Your Regular Annual Percentage Rate: If Interest Charges      will the minimum payment be less than the minimum purchase       representative) basis. A Claim will be arbitrated if (1) both we  the ?ling, administrative, and hearing fees for the arbitration  AL, AR, HI, KS, MN,  WI  $30.00  MO  $24.99)  Notice to New Hampshire Residents: We will pay your 
                          Retail Installment Credit Agreement for details.                                                                                                                                                                                                                                                          minimum payment is $5.00 to 
                                                                                                         any payments or credits and any Late Payment Fees, any           and honored by your bank. Do not send cash payments. We                                                                                                          reasonable attorney�s fees if you prevail in a suit we bring 
                                                                         (which are FINANCE CHARGES) are assessed during a billing        amount divided by the promotional period, which may shorten      and you or (2) only one or the other of we or you, exercise the  of your Claim against us (but not if the Claim is against you)  MT, SC, TN, TX   
                                                                                                                                                                                                                                                                            AL, AR, HI, KS, MN,  $30.00                   Greater of 5% of amount past  $24.99) 
                                                                                                         Returned Payment Fees, and/or unpaid Interest Charges;           can accept late or partial payments, as well as payments that 
                                                                                                                                                                                                                                                                                                           NE             due or $5.00 (but not to exceed  against you or if you prevail in a suit you bring against us 
                                                                         cycle, we will use the following Annual Percentage Rate (the     your repayment period in certain instances. The minimum          right to require that the Claim be arbitrated. If, for example,  in excess of any ?ling fee you would have been required to  MT, SC, TN, TX   
                                                                                                         and make other adjustments. This gives us the daily balance.     re?ect �paid in full� or other restrictive endorsements, without                            AZ, CO, IL, IN, MI, NV,  $25.00                               Greater of 5% of amount past 
                                                                                                                                                                                                                                                                                                                          $37.00)          under this Agreement. If you successfully assert a partial 
      How We Will Calculate Your Balance: We use a method called �average daily balance (including new  �Regular APR�) and corresponding monthly periodic rate,  payment will never be more than the remaining promotional  we exercise our right to require that the Claim be resolved by  pay to ?le the Claim in a state or federal court (whichever is 
                                                                                                                                                                          losing any of our rights under this Agreement. We credit your                               NC, OK, RI, WV                                 NE             due or $5.00 (but not to exceed 
                                                                                                         Then, we add up all the daily balances for the billing cycle and 
                                                                                                                                          purchase balance. If the promotion states that there is no       arbitration but you do not also exercise your right to require  less) in the judicial district in which you reside. At the end of  AZ, CO, IL, IN, MI, NV,  $25.00  defense or counterclaim, the court may withhold part or 
                                                                         subject to any promotional terms:                                                                                                                                                                                                                $10.00 (except $5.00 if the 
                                                                                                                                                                                                                                                                                                                                    $37.00) 
      purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new  divide the total by the number of days in the billing cycle. This  payments in accordance with our payment instructions on the                        CA, MD, MO 
                                                                                                                                          separate promotional minimum payment, then the amount            that the Claim be arbitrated, the Claim will be resolved by  the arbitration, the arbitrator will decide if you have to repay  NC, OK, RI, WV  $15.00  NC  outstanding balance is under  all of any attorney�s fees to which we may be entitled.
                                                                                                         gives us the average daily balance. Any negative daily balance   billing statement.                                                                                                                              $100.00)  $10.00 (except $5.00 if the 
      purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details.                                                                                                                                                                         CT, ID, IA, NJ, NY, UT  $20.00 
                                                                                  We apply the  ANNUAL           State          Maximum Late Payment Fee   of the promotional balance will be included in your regular  arbitration. If neither we nor you request arbitration, the Claim  the advance (and if you do have to repay, you agree to do  CA, MD, MO  $15.00  14. Down Payments, Limiting Your Credit, or Closing 
                                                                         If you reside in                will be treated as zero. If Interest Charges are imposed and                                                                                                                                                NC 
                                                                                                                                                                                                                                                                      FL                                                  The greater of 5% of the unpaid  outstanding balance is under 
                                                                                                                                                                                                                                                                                  Greater of 5% of amount of 
                                                                                  monthly    PERCENTAGE          AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  balance for the purpose of calculating your minimum payment. 9. Legal Notices: All notices, including notices relating to  will not be resolved by arbitration and instead will be litigated  so). Unless applicable law requires otherwise, we will pay  Your Account: You have the right to close your Account 
                                                                         the state of:                   the total Interest that results from application of the above                                                                                                      CT, ID, IA, NJ, NY, UT  payment or $25.00 (max  $20.00  $100.00) 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is                                                                                                                                                                                               OK             amount of the installment or 
                                                                                  periodic rate of:   RATE       MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99  legal actions, bankruptcy notices, and any notice to us that  in court. We will not elect arbitration for any Claim you ?le  our, and you will pay your, lawyers�, experts�, and witnesses�  at any time, for any reason. You will still be liable for any 
                                                                                                         calculation to each balance is less than $1.00, we will impose  Reduced Rate Plans. If any single purchase is designated as                                                                                      $24.50 (not to exceed $37.00) 
                                                                                                                 OH, OR, PA, SD, WI  or less)                             you are represented by counsel in connection with your debt                                       FL    $37.00)  Greater of 5% of amount of               The greater of 5% of the unpaid 
      provided in your Retail Installment Credit Agreement.                                                                                                                                                in small claims court, so long as the Claim is individual and  fees. The arbitrator will apply applicable substantive law       balances owed. We may limit or terminate the use of your 
                                                                                                         a minimum Interest Charge of $1.00 (which is a FINANCE  purchased under a reduced rate plan, we will calculate the                                           GA          Greater of 5% of amount of  payment or $25.00 (max  RI  OK  $12.00  amount of the installment or 
                                                                                  1.75% to $750.00   21%                        5% of amount past due but not             to us, must be sent to us at Genesis FS Card Services P.O. Box  pending only in that court. The arbitrator�s authority to resolve  consistent with the FAA and applicable statutes of limitations,  Account and/or raise or lower your credit limit at any 
                                                                         AL                              CHARGE); except in MI, MO, NY, TN, and TX, where we will  Interest for the promotional balance by using an APR that                                                      payment or $30.00 (max  $37.00)         5% of amount past due, but not  $24.50 (not to exceed $37.00) 
                                                                                  1.5% over $750.00  18% 
      JARED THE GALLERIA OF JEWELRY RETAIL INSTALLMENT CREDIT AGREEMENT                                          AL             more than $37.00 and not less             4485, Beaverton, OR 97076-4485. If these notices are sent to  Claims is limited to Claims between you and us alone, and  will honor claims of privilege recognized at law, and will have  time and for any reason without advance notice to you. 
                                                                                                         impose a minimum Interest Charge of $0.70 (which is a  is less than your Regular APR (the �Promotional APR�), in                                                         $37.00)                  SC 
                                                                                                                                                                          any other address, it will not satisfy any notice requirement  the arbitrator�s authority to make awards or decisions is  the power to award to a party any damages or other relief  GA  Greater of 5% of amount of  RI  more than $18.00 and not less  $12.00 
                                                                                                                                than $18.00 
                                                                         AR       1.4167%    17%                                          lieu of the Regular APR during the speci?ed promotional                                                                     OR          $35.00                                                   On some transactions, we may require a down payment. 
                                                                                                         FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,                                                                                                                                                          than $7.20  
                                                                                                                                                                                                                                                                                         payment or $30.00 (max 
                                                                                                                                $10.00 (except $5.00 if the               under this Agreement or any other legal requirement that you  limited to you and us alone. Furthermore, Claims between  provided for under applicable law. The arbitrator will make  5% of amount past due, but not 
      In this Jared The Galleria Of Jewelry Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer to                                                                                                                                                                                                         Some purchases will require our prior authorization, in 
                                                                         CO, GA, IN,                     MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  period (which may be 6 months, 12 months, or some other                                            DC, DE, MA, MS, NE,  None                           Greater of 5% of amount past 
                                                                                                                 AZ, KS         minimum payment is $5.00 to               provide notice to us.            you and us may not be joined or consolidated in arbitration  any award in writing and, if requested by you or us, will  $37.00)  SC  more than $18.00 and not less 
      any person who signs the Application for this Account or this Agreement, or has requested and is issued a Jared The Galleria                                                                                                                                    NM, PA, VT, WY                                                       which case you may be asked to provide identi?cation. 
                                                                         MS, OK, TN,  1.75%  21%         a minimum Interest Charge of $0.50 (which is a FINANCE  period speci?ed by us). The Promotional APR will return to                                                                                UT             due or $30.00 (but not to 
                                                                                                                                $25.00)                                                                    with Claims brought by or against someone other than you,  provide a brief statement of the reasons for the award. OR  $35.00  than $7.20  
      Of Jewelry credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Jared The Galleria Of Jewelry, Jared Jewelry                                                                                                                                                                                                      If our authorization system is not working, we may 
                                                                         TX, VT, WY                      CHARGE). Furthermore, there is no minimum Interest Charge  your Regular APR at the expiration of the promotional period  10. Arbitration for Disputes � No Jury Trials or Class                                  exceed $37.00) 
                                                                                                                 CA, CO, DC, IA  $15.00                                                                    unless otherwise agreed to in writing by all parties. However,   DC, DE, MA, MS, NE,  None 
      Boutique and Jared Vault, P.O. Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this          or if we do not receive a required minimum payment within  Actions: This paragraph describes how all Claims (as de?ned                                                                    Greater of 5% of amount past 
                                                                         DC, MD   2.0%       24%         in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us                                                                           E. Judgment upon the arbitrator�s award may be entered                         5% of amount of installment (but  not be able to authorize a transaction, even if you have 
      Agreement, your Account, and/or any amount due on your Account may be assigned. �Account� means your Jared The Galleria  DE, NM, TN, VT  None                                                        applicants, co-applicants, authorized users on a single          NM, PA, VT, WY                 VA 
                                                                                                                                          60 days of its due date. See Paragraph 3 for details. Unless  in subparagraph A below) will be arbitrated, at the election of                                              UT             due or $30.00 (but not to 
                                                                                                                                                                                                                                           in any court with jurisdiction. The arbitrator�s decision                      not to exceed $37.00)  suf?cient available credit. We will not be liable to you if 
                                                                         HI, MA, MN, NC  1.5%  18%       to round any calculation used to determine Interest Charges, 
                                                                                                                 FL, MT, NJ, TX  $10.00                                                                    Account, or corporate af?liates are considered one person 
                                                                                                                                                                          you or us, on an individual (non-class, non-representative)                                                                                               exceed $37.00) 
      Of Jewelry Account, which will be governed by this Agreement. �Authorized User� means any person you permit to use your                                                                                                              regarding any claims will be ?nal and binding, except for                      $37.00 (except 10% of the  this happens. We are not responsible for the refusal of 
                                                                                                         including rounding that may cause minor variations in our  the promotion states that there is no separate promotional 
                                                                                                                 GA             $25.00                                                                     for the purposes of this paragraph. No arbitration award 
      Account or who has apparent authority to do so. �Card� means any access device or method by which the Account may be  MI, NY, OH, WV  2.0825%  24.99%  minimum payment, the required minimum payment for  basis instead of litigated in court. If you are a �Covered  any appeal right under FAA. The appealing party will pay  We will add any Returned Payment Fee to your Account�s  average daily balance for prior  5% of amount of installment (but  anyone to accept or honor a Card associated with this 
                                                                                                         favor. The applicable monthly periodic rate for a balance is                                      will have any preclusive effect as to issues or claims in any                                             VA 
      accessed, including the Account number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the  1.75% to $499.99  Greater of 5% of amount past  the promotional balance will be the promotional balance  Borrower� as determined in accordance with the safe harbor  the appeal costs. This agreement to arbitrate shall survive  regular balance. WA  30-day period, but not less than  not to exceed $37.00)  Account. All Cards we issue remain our property and, if 
                                                                                             21%         the applicable Annual Percentage Rate divided by twelve (12), 
      periodic ?nance charges that are calculated pursuant to Paragraph 5. NE     1.5% for $500.00 and           ID             due or $15.00 (but not to                                                  dispute involving anyone who is not a party to the arbitration. 
                                                                                                                                          divided by the number of months in the promotional period,  provisions in the Military Lending Act and its implementing                                                         $2.00, if the balance is less than 
                                                                                                                                                                                                                                           any suspension, termination, revocation or closure of the  B. Late Payment Fee: If we do not receive your minimum    requested, you agree to return any Card issued to you. 
                                                                                                         and rounded to the fourth decimal place.                                                                                                                                                                                   $37.00 (except 10% of the 
                                                                                             18% 
                                                                                  more                                          exceed $37.00)                                                             This arbitration provision is made pursuant to a transaction  Buyer          Signature                         $100.00) 
                                                                                                                                          multiplied by a factor based on the applicable Reduced APR,  regulations, you are not required to submit to arbitration. Agreement or your Account, and any bankruptcy to the  payment by its due date (or within seven (7) days in VA;  average daily balance for prior  We may, at our discretion, permit you to make a purchase 
      1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under                                                                              involving interstate commerce and will be governed by the 
                                                                                                         6. Minimum Payment: You agree to pay at least the  Greater of 5% of amount past                                                   extent consistent with applicable bankruptcy law. within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN,  5% of amount past due, but not 
                                                                         All other states   2.2491%                                       and rounded up to the nearest $5.00 increment or $30.00,                                                                                                                                         in excess of your stated credit limit. If we do so, this will 
                                                                                             26.99%                                                                       A. The term �Claim� means any claim, dispute, or controversy                                                                     WV        WA             30-day period, but not less than 
      the terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions                                                                               Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.).
                                                                                                         �Minimum Payment� shown on your billing statement on or  IL, KY, WY  due or $10.00 (but not to                                                                                                                   to exceed $30.00 
                                                                                                                                          whichever is greater. For example, if the promotion has an                                                                       KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;                     $2.00, if the balance is less than  not permanently increase your credit limit. To request the 
                                                                                                                                exceed $37.00)                                                                                                                                       
                                                                                                                                                                                                                                                                     Seller-Creditor  Buyer    Signature                            $100.00) 
                                                                                                                 IN             $18.50  
                                                                                                                                                                                                                                                                                                                                    5% of amount past due, but not 
                                                                                                                                Lesser of 5% of amount past                                                                                                                                                          WV 
                                                                                                                                                                                                                                                                                                                                    to exceed $30.00 
     418593-60004_Genesis-Jared New Rev2.indd   1                                                                ME 
                                                                                                                                due or $10.00                                                                                                                                                                                                                      8/23/17   1:25 PM
                                                                         State        Maximum Returned 
                                                                                                                                Lesser of 10% of outstanding                                                                                                             Chris Klemann, Vice President Financial Services,   
                                                                                      Payment Fee                                                                                                                                                                          Seller-Creditor 
                                                                                                                 MA 
                                                                                                                                balance or $10.00                                                                                                                     Sterling Jewelers Inc., d/b/a Jared The Galleria Of Jewelry, Jared 
                                                                         AK, KY, LA, ME, NH,  $37.00 
                                                                                                                                                                                                                                                                             Jewelry Boutique and Jared Vault,   
                                                                         ND, OH, SD, VA, WA,                                    $10.00 (except $5.00 if the 
                                                                                                                                                                                                                                                                            P.O. Box 3680, Akron, OH 44309-3680
                                                                         WI                                      MO             minimum payment is $5.00 to 
                                                                         AL, AR, HI, KS, MN,  $30.00                            $24.99)                                                                                                                                        Chris Klemann, Vice President Financial Services, 
                                                                         MT, SC, TN, TX                                         Greater of 5% of amount past                                                                                                               Sterling Jewelers Inc., d/b/a Jared The Galleria Of Jewelry, Jared 
                                                                                                                 NE             due or $5.00 (but not to exceed                                                                                                                    Jewelry Boutique and Jared Vault, 
                                                                         AZ, CO, IL, IN, MI, NV,  $25.00 
                                                                                                                                $37.00)                                                                                                                                           P.O. Box 3680, Akron, OH 44309-3680
                                                                         NC, OK, RI, WV 
                                                                                                                                $10.00 (except $5.00 if the 
                                                                         CA, MD, MO   $15.00                     NC             outstanding balance is under 
                                                                         CT, ID, IA, NJ, NY, UT  $20.00                         $100.00) 
                                                                         FL           Greater of 5% of amount of                The greater of 5% of the unpaid 
                                                                                      payment or $25.00 (max     OK             amount of the installment or 
                                                                                      $37.00)                                   $24.50 (not to exceed $37.00) 
                                                                         GA           Greater of 5% of amount of  RI            $12.00 
                                                                                      payment or $30.00 (max                    5% of amount past due, but not 
                                                                                      $37.00)                    SC             more than $18.00 and not less 
                                                                         OR           $35.00                                    than $7.20  
                                                                         DC, DE, MA, MS, NE,  None                              Greater of 5% of amount past 
                                                                         NM, PA, VT, WY                          UT             due or $30.00 (but not to 
                                                                                                                                exceed $37.00) 
                                                                                                                                5% of amount of installment (but 
                                                                                                                 VA 
                                                                                                                                not to exceed $37.00) 
                                                                                                                                $37.00 (except 10% of the 
                                                                                                                                average daily balance for prior 
                                                                                                                 WA             30-day period, but not less than 
                                                                                                                                $2.00, if the balance is less than 
                                                                                   
                                                                        Buyer               Signature                           $100.00) 
                                                                                                                                5% of amount past due, but not 
                                                                                                                 WV 
                                                                                                                                to exceed $30.00 
                                                                                                         
                                                                         
                                                                        Seller-Creditor 
                                                                                                         
                                                                            Chris Klemann, Vice President Financial Services, 
                                                                         Sterling Jewelers Inc., d/b/a Jared The Galleria Of Jewelry, Jared 
                                                                                Jewelry Boutique and Jared Vault, 
                                                                               P.O. Box 3680, Akron, OH 44309-3680                                                                                                              We apply the  ANNUAL      State       Maximum Late Payment Fee  
                                                                                                       If you reside in  
                                                                                                              monthly   PERCENTAGE      AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the 
                                                                                                       the state of:  
                                                                                                              periodic rate of:   RATE  MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99 
                                                                                                                                        OH, OR, PA, SD, WI  or less) 
                                                                                                              1.75% to $750.00   21% 
                                                                                                       AL                                           5% of amount past due but not 
                                                                                                              1.5% over $750.00  18%    AL          more than $37.00 and not less 
                                                                                                                                                    than $18.00 
                                                                                                       AR     1.4167%   17% 
                                                                                                                                                    $10.00 (except $5.00 if the 
                                                                                                       CO, GA, IN,                      AZ, KS      minimum payment is $5.00 to 
                                                                                                       MS, OK, TN,  1.75%  21%                      $25.00) 
                                                                                                       TX, VT, WY 
                                                                                                                                        CA, CO, DC, IA  $15.00 
                                                                                                       DC, MD  2.0%     24%             DE, NM, TN, VT  None 
                                                                                                       HI, MA, MN, NC  1.5%  18%        FL, MT, NJ, TX  $10.00 
                                                                                                       MI, NY, OH, WV  2.0825%  24.99%  GA          $25.00 
                                                                                                              1.75% to $499.99                      Greater of 5% of amount past 
                                                                                                                        21% 
                                                                                                       NE     1.5% for $500.00 and      ID          due or $15.00 (but not to 
                                                                                                                        18% 
                                                                                                              more                                  exceed $37.00) 
                                                                                                       All other states   2.2491%  26.99%           Greater of 5% of amount past 
                                                                                                                                        IL, KY, WY  due or $10.00 (but not to 
                                                                                                                                                    exceed $37.00) 
                                                                                                                                        IN          $18.50  
                                                                                                                                                    Lesser of 5% of amount past 
                                                                                                                                        ME 
                                                                                                       State      Maximum Returned                  due or $10.00 
                                                                                                                  Payment Fee                       Lesser of 10% of outstanding 
                                                                                                                                        MA 
                                                                                                       AK, KY, LA, ME, NH,  $37.00                  balance or $10.00 
                                                                                                       ND, OH, SD, VA, WA,                          $10.00 (except $5.00 if the 
                                                                                                       WI                               MO          minimum payment is $5.00 to 
                                                                                                       AL, AR, HI, KS, MN,  $30.00                  $24.99) 
                                                                                                       MT, SC, TN, TX                               Greater of 5% of amount past 
                                                                                                                                        NE          due or $5.00 (but not to exceed 
                                                                                                       AZ, CO, IL, IN, MI, NV,  $25.00 
                                                                                                                                                    $37.00) 
                                                                                                       NC, OK, RI, WV 
                                                                                                                                                    $10.00 (except $5.00 if the 
                                                                                                       CA, MD, MO  $15.00               NC          outstanding balance is under 
                                                                                                       CT, ID, IA, NJ, NY, UT  $20.00               $100.00) 
                                                                                                       FL         Greater of 5% of amount of        The greater of 5% of the unpaid 
                                                                                                                  payment or $25.00 (max  OK        amount of the installment or 
                                                                                                                  $37.00)                           $24.50 (not to exceed $37.00) 
                                                                                                       GA         Greater of 5% of amount of  RI    $12.00 
                                                                                                                  payment or $30.00 (max            5% of amount past due, but not 
                                                                                                                  $37.00)               SC          more than $18.00 and not less 
                                                                                                       OR         $35.00                            than $7.20  
                                                                                                       DC, DE, MA, MS, NE,  None                    Greater of 5% of amount past 
                                                                                                       NM, PA, VT, WY                   UT          due or $30.00 (but not to 
                                                                                                                                                    exceed $37.00)                                                                       
                                                                                                                                                    5% of amount of installment (but 
                                                                                                                                        VA 
                                                                                                                                                    not to exceed $37.00)                                                                
      names of our related brand jewelers, please call Customer  relating to this Agreement or your Account are governed, to  shall be refunded by crediting your Account or by making  YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL  After we ?nish our investigation, one of two things will 
                                                                                                                                                    $37.00 (except 10% of the 
      Service at 1-877-328-8334.     the extent applicable, by U.S. federal law and the law of the  a direct payment to you; and (c) any other provision of this  INSTALLMENT CREDIT AGREEMENT. happen: average daily balance for prior             
                                                                                                                                                                                                                                        Page 2 
                                     state of your billing address when this Account was opened  Agreement that is inconsistent with the Military Lending Act    � If we made a mistake: You will not have to pay the  WA  30-day period, but not less than 
      15. Change in This Agreement: To the extent permitted                                                                                                            FACTS 
                                     or, for non-U.S. residents, the law of the state where the  shall not apply to you.                 amount in question or any interest or other fees related  $2.00, if the balance is less than 
      by law, we may change any term of this Agreement,                                               Buyer    
                                                                                                                       Signature                    $100.00)                                                                                                          
                                     Account was opened (without regard to con?icts of laws                                              to that amount.                                                                                What we do 
      including any Annual Percentage Rate or fee, as well            Notice to Florida Residents: The Annual Percentage Rates                      5% of amount past due, but not 
                                     principles), unless we receive written notice that you have                                                                                                                                          
                                                                                                                                       �  If we do not believe there was a mistake: You will have  WV   
      as add and/or subtract terms. We will furnish you notice        shown above are authorized by Chapter 655 of the Florida                      to exceed $30.00 
                                     moved to another U.S. state pursuant to Paragraph 20. If                                                                                                                                                                        To protect your personal information from 
                                                                                                                                         to pay the amount in question, along with applicable 
      of the change to the extent required by law. If permitted       Statutes.                        
                                     we receive notice of a change in your billing address, except    Seller-Creditor                    interest and fees. We will send you a statement of the  Why?                                                                unauthorized access and use, we use security 
      by applicable law, any new terms may at our option 
                                     for any Annual Percentage Rate (and corresponding monthly  Notice to Maryland Residents: This Account is governed by        amount you owe and the date payment is due. We may                                                  measures that comply with federal law.  These 
      be applied to any balance existing on the Account at 
                                     periodic rate) applicable to any outstanding balance, the  Subtitle 9, Title 12 of the Maryland Commercial Law Article.     then report you as delinquent if you do not pay the                                                 measures include computer safeguards and secured 
      the time of change, as well as to any subsequent 
                                     terms applicable to the state of your new billing address will       Chris Klemann, Vice President Financial Services,                                                     
      transactions.                                                   Notice to Michigan Residents: The seller retains a security        amount we think you owe.                                                                                                    files and buildings. 
                                     apply to all balances on your Account after we receive written    Sterling Jewelers Inc., d/b/a Jared The Galleria Of Jewelry, Jared                                                                 
                                                                      interest in the subject matter of this Agreement. Jewelry Boutique and Jared Vault,  If you receive our explanation but still believe your bill is wrong, 
      16. Credit Investigation: You authorize us to investigate  notice of your new address. Any Annual Percentage Rate (and                                                                                                                                         We collect your personal information, for example, 
                                                                                                            P.O. Box 3680, Akron, OH 44309-3680 you must write to us within 10 days telling us that you still 
      your credit history by obtaining consumer reports and  corresponding monthly periodic rate) applicable to a balance  Notice to Pennsylvania Residents: This is a Security  What?                                                                               when you 
      by making direct inquiries of businesses where you  outstanding prior to noti?cation of a change in billing address  Agreement. refuse to pay. If you do so, we cannot report you as delinquent                                                                 
      have accounts and where you work. We may request a  will continue to apply to such balance until it is paid off. Your Billing Rights: Keep this Document for Future Use without also reporting that you are questioning your bill. We                          �  open an account or give us your contact 
                                                                      Notice to Texas Residents: For questions or complaints 
      consumer report from consumer reporting agencies                                                                               must tell you the name of anyone to whom we reported you 
                                     20. Change of Address or Other Contact Information: You  about this contract, contact Genesis FS Card Services  This notice tells you about your rights and our                                                                    information 
      in considering your application for this Account or any                                                                        as delinquent, and we must let those organizations know 
                                     agree to notify us promptly in writing of any changes to your  at 1-877-328-8334. The Of?ce of Consumer Credit  responsibilities under the Fair Credit Billing Act.                                                             �  pay your bills or apply for a loan 
      other account you have with us and later in connection                                                                         when the matter has been settled between us.  
                                     billing address, phone number, email address, and other  Commissioner (OCCC) is a state agency, and it enforces 
      with an update, renewal, extension of credit or collection                                     What To Do If You Find A Mistake On Your Statement                                                                                                              �  use your credit or debit card 
                                     contact information. Until we receive written notice of your  certain laws that apply to this contract. If a complaint or  If we do not follow all of the rules above, you do not have to                                             
      of the Account or any other account you have with us. 
                                     new billing address or email address, if you have elected to  question cannot be resolved by contacting the creditor,  If you think there is an error on your statement, write to us at: pay the ?rst $50.00 of the amount you question even if your 
      Upon your request we will disclose whether a consumer                                                                                                                                                                                                          We also collect your personal information from 
                                     receive notices electronically, we will continue to send billing  consumers can contact the OCCC to ?le a complaint or ask  bill is correct.
      report was requested and the name and address of any                                             Genesis FS Card Services                                                                                                                                      others, such as credit bureaus, affiliates, or other 
                                     statements and other notices to the address we have on ?le  a general credit-related question. OCCC address: 2601 N. 
      consumer reporting agency that furnished the report. We                                          P.O. Box 4485                 Your Rights If You Are Dissatis?ed With Your Credit Card  How?                                                                  companies. 
                                     for your Account. Subject to Paragraph 19, we deem you to  Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.                                                                                                              
      may report information about your Account to credit                                              Beaverton, OR 97076-4485      Purchases                                                                                                                        
                                     reside at the billing address we have on ?le for the purpose of  Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: 
      bureaus. Late payments, missed payments, or other                                                                                                                                                                                                              Federal law gives you the right to limit only 
                                     applying terms that vary with your state of residence. consumer.complaints@occc.texas.gov. In your letter, give us the following information:  If you are dissatis?ed with the goods or services that you                        
      defaults on your Account may be re?ected on your credit 
                                                                                                       �  Account information: Your name and account number.  have purchased with your credit card, and you have tried in 
      report. If you believe that we have reported inaccurate  21. Assignment: We may sell, transfer, or assign our rights or  NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT                                                                                            �  sharing for affiliates� everyday business purposes 
                                                                                                       �  Dollar amount: The dollar amount of the suspected error.  good faith to correct the problem with the merchant, you may 
      information to a consumer reporting agency, write to us at  obligations under this Agreement without prior notice to you.  CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES                           Does Jared The                                                � information about your creditworthiness 
                                                                                                       �  Description of problem: If you think there is an error  have the right not to pay the remaining amount due on the  Can you limit 
      Genesis FS Card Services, P.O. Box 4485, Beaverton, OR  You may not sell, transfer, or assign your rights or obligations  WHICH THE DEBTOR COULD ASSERT AGAINST THE 
                                                                                                        on your bill, describe what you believe is wrong and  purchase. Reasons we can share your personal information  Galleria Of Jewelry                          �  affiliates from using your information to market to 
      97076-4485 and we will investigate the matter. under this Agreement or your Account.                                                                                                                               this sharing? 
                                                                      SELLER OF GOODS OR SERVICES OBTAINED PURSUANT                                                                                                                                                                                                                          CREDIT DISCLOSURES FOR THE 
                                                                                                        why you believe it is a mistake.                                                                    share?                                                      you 
                                                                      HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY                   To use this right, all of the following must be true:  
      17. No Waiver by Us: We may, without notice to you,  22. Liability for Unauthorized Use: You agree to notify us 
                                                                      HEREUNDER BY THE DEBTOR SHALL NOT EXCEED  You must contact us:    1.  The purchase must have been made in your home state                                                                      �  sharing for nonaffiliates to market to you                            JARED JEWELRY ACCOUNT
      delay or refrain from enforcing our rights under this  promptly if your Card is lost or stolen, or of the unauthorized                                                                                                                                          
                                                                      AMOUNTS PAID BY THE DEBTOR HEREUNDER.    �  Within 60 days after the error appeared on your statement.  or within 100 miles of your current mailing address, and 
      Agreement without losing them (e.g., we may extend the  use of your Card, by writing to us at Genesis FS Card Services,                                                                                                                                        State laws and individual companies may give you 
                                                                                                       �  At least 3 business days before an automated payment  the purchase price must have been more than $50.00.  YES   NO 
      time to make some payments without extending the time  P.O. Box 4480, Beaverton, OR 97076-4480 or by calling us at  NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION  is scheduled, if you want to stop payment on the                                      additional rights to limit sharing.  
                                                                                                                                        (Note: Neither of these are necessary if your purchase                                                                        
      to make other payments, accept late or partial payments  1-877-328-8334. If you orally give us notice, you agree to  AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ  amount you think is wrong. was based on an advertisement we mailed to you, or if   
                                                                                                                                                                                                                                         
      without waiving our right to have future payments made  con?rm in writing. You may be liable for unauthorized use of  IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE                                                            
                                                                                                                                        we own or operate the company that sold you the goods 
      when they are due, and/or waive any charge or fee without  your Card prior to your noti?cation of us. You will not be liable  You must notify us of any potential errors in writing. You                                                                        
                                                                      ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS                   or services.)
                                                                                                     may call us, but if you do we are not required to investigate                                          YES            NO           Definitions 
      losing our right to impose that charge or fee when it is  for unauthorized use that occurs after you notify us of the  CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY THE    2.  You must have used your credit card for the purchase.     
                                                                                                                                                                                                                                                                      
      due under this Agreement).     loss, theft, or unauthorized use and, in any case, your liability  any potential errors and you may have to pay the amount in 
                                                                      TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT                    Purchases made with cash advances from an ATM or with  For joint marketing with other financial                              Companies related by common ownership or control.  
                                     will not exceed $50.00.                                         question.
      18. Customer Communications: You agree that your                WITHOUT INCURRING ANY ADDITIONAL CHARGE. 4. KEEP                  a check that accesses your credit card account do not  companies     NO        We don�t share.                               They can be financial and nonfinancial companies. 
      calls with us may be monitored and/or recorded and that  23. Authorized Users: You may request additional Cards on  THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5.  What Will Happen After We Receive Your Letter qualify.                                       
                                                                                                                                                                        
      we (or anyone acting on our behalf) may contact you  your Account, and you may permit an Authorized User to have  YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM    3. You must not yet have fully paid for the purchase. For our affiliates� everyday business purposes �  �  Jared The Galleria Of Jewelry does not share 
                                                                                                     When we receive your letter, we must do two things: 
      from time to time regarding your Account (including for  access to a Card. However, if you do, you are responsible for  THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR 
                                                                                                       1.  Within 30 days of receiving your letter, we must tell  If all of the criteria above are met and you are still dissatis?ed    NO  We don�t share.             with our affiliates. 
                                                                                                                                                                                                                                                                           
      collections purposes). You further agree that all of our  all charges made by the Authorized User, including charges  DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS,                                                                                           
                                                                                                        you that we received your letter. We will also tell you if  with the purchase, contact us in writing at the address listed 
      contacts with you may be made via email, text messages  for which you may not have intended to be responsible. You  REQUIRE A RESALE OF THE PROPERTY REPOSSESSED.  For our affiliates� everyday business purposes �                                            Companies not related by common ownership or 
                                                                                                        we have already corrected the error.  above.
      or with an automated dialing and announcing or similar  must notify us to revoke an Authorized User�s permission to  6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER                                    NO        We don�t share.                               control.  They can be financial and nonfinancial 
                                                                                                       2.  Within 90 days of receiving your letter, we must either 
      device and/or an arti?cial voice or prerecorded message.  use your Account. If you do so, we may close the Account and  YOUR PREMISES OR COMMIT ANY BREACH OF THE  While we investigate, the same rules apply to the disputed   
                                                                                                                                                                        
                                                                                                        correct the error or explain to you why we believe the bill                                                                                                  companies. 
      You also agree that we may contact you at any telephone  issue a new Card or Cards with a different Account number. PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS  amount as discussed above. After we ?nish our investigation,  For our nonaffiliates to market to you   
                                                                                                        is correct.
      number you provide to us, even if you are charged by                                                                                                                                                   NO        We don�t share. 
                                     24. Military Lending Act Compliance: This Agreement  AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS  we will tell you of our decision. At that point, if we think you                                                           �  Jared The Galleria Of Jewelry does not share 
      your service provider, whether a residential or business 
                                     shall be interpreted to comply with the Military Lending  AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A  While we investigate whether or not there has been an  owe an amount and you do not pay, we may report you as             with nonaffiliates so they can market to you.
      number, even if that number is on a Do Not Call list, is                                       error:
                                     Act, including its restrictions on permissible loan terms and  PURCHASE UNDER THIS AGREEMENT IF IT HAS BEEN  delinquent.
      a wireless, cellular or mobile number; is converted to          SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN    �  We cannot try to collect the amount in question, or  Questions?                                                                              
                                     limitations on interest and fees. For Accounts opened on                                                                                                                                                                         
      a mobile/wireless number; or connects to any type of 
                                     or after October 3, 2017, if you are a Covered Borrower as  THE ADDRESS OF THE SELLER, WHICH MAY BE HIS  report you as delinquent on that amount. 
                                                                                                                                                                                                                                                                     A formal agreement between nonaffiliated financial 
      mobile/wireless device. You agree that any consent you 
                                     determined in accordance with the safe harbor provisions in  MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU    �  The charge in question may remain on your statement, 
                                                                                                                                                                                                                                                                     companies that together market financial products or 
      provide will survive termination of your Account. To opt 
                                     the Military Lending Act and its implementing regulations:  NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR  and we may continue to charge you interest on that 
      out of these contacts, you may call Customer Service at                                                                                                                                                                                                        services to you. 
                                     (a) Section 10 regarding arbitration shall not apply to you;  BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM  amount. 
                                                                                                                                                                                                                                                                      
      1-877-328-8334.
                                     (b) any interest or fees in excess of the permitted limit shall  SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF    �  While you do not have to pay the amount in question, 
                                                                                                                                                                                                                                                                     �  Jared The Galleria Of Jewelry does not joint 
      19. Governing Law: This Agreement and your Account  be reduced by the amount necessary to satisfy that limit  THE THIRD BUSINESS DAY FOLLOWING A PURCHASE  you are responsible for the remainder of your balance. 
                                                                                                                                                                                                                                                                        market.
      and any claim, dispute, or controversy arising from or  and any amounts collected in excess of the permitted limit  UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT.   �  We can apply any unpaid amount against your credit                                        
                                                                                                                                                                                                                                                                                                        0300-30J-5678               60004
                                                                                                        limit.                                                                                                                           
                                                                                                                                                                                                                                         
     418593-60004_Genesis-Jared New Rev2.indd   2                                                                                                                                                                                                                                                                                                                  8/23/17   1:26 PM