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                SUMMARY OF STERLING FAMILY OF JEWELERS  CHARGE ACCOUNT TERMS incurred by anyone else you have authorized to use this  Federal law provides important protections to members  of any minimum payment for your regular balance and for any  whichever is greater. For example, if the promotion has an  A. The term �Claim� means any claim, dispute, or controversy  C. If we or you request arbitration of a Claim, we and  the rest of the arbitration provision will continue to apply.  one (21) days in TX; within thirty (30) days in NC; and within  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  promotional balance. The minimum payment for your regular  interest rate of 10.99% and the plan is for 24 months, the  between you and us arising from or relating to your Card,  you will not have the right to litigate the Claim in court.  However, an arbitrator cannot enlarge his or her authority  forty (40) days in RI), we will impose a Late Payment Fee. The  balance.
       Interest Rates and Interest Charges                               Card issued on this Account. You may request additional  extensions of consumer credit. In general, the cost of  balance will be the greater of 5% of the regular purchase  required minimum payment is determined as follows: 1/24th  your Account, or this Agreement as well as any related or  This means (1) there will be no jury trial on the Claim,  over the adjudication of Claims beyond that provided by this  maximum fee is set forth below. The fee charged generally 
                                                                         Cards on this Account for yourself or others, and you may  consumer credit to a member of the Armed Forces and his  balance(s), or $30. 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  (2) there will be no pre-arbitration discovery except as  arbitration provision by enforcing only part of this arbitration  will be the highest amount permitted by law. This means that  12. Security Interest: You grant us a purchase money 
                                                                         permit an Authorized User to have access to the Card or  or her dependent may not exceed an annual percentage rate  balance will never exceed the Regular Balance. by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  relationships resulting from this Agreement, including the  the Administrator�s rules permit, and (3) no Claim may  provision. If an arbitrator determines that applicable law  the fee generally will not exceed the amount of the required  security interest in each item of merchandise purchased 
       Annual Percentage Rate   17% to 26.99%. This APR varies by state.  Account number. However, if you do so, you must pay us  of 36 percent. This rate must include, as applicable to the  whichever is greater). The minimum payment will never be  validity, enforceability or scope of this arbitration provision or  be arbitrated on a class-action, private attorney general,  requires this arbitration provision to be enforced in a way that  minimum payment due immediately prior to the assessment  on your Account to secure its unpaid purchase price 
                                                                                                                                          If your billing statement shows a promotional balance (such 
                                                                         for all charges made by those persons. See Paragraph  credit transaction or account: The costs associated with  more than the remaining promotional purchase balance.  the Agreement. Claims arising in the past, present, or future,  or other representative basis, and neither we nor you will  of the fee. In addition, the ?rst time you pay late, the fee will  (except in CT, MO (on any purchase under $150.00), and 
       (APR) for Purchases  See Paragraph 3 of the Retail Installment Credit Agreement                                                                                                                                                                                     would result in greater authority over Claims than otherwise 
                                                                                                                                          as a �No Interest� balance, a �Reduced Interest Rate� balance, 
                                                                         23 for details. When you sign the Application for this  credit insurance premiums; fees for ancillary products sold  However, if the promotion speci?es a minimum purchase  including Claims arising before the opening of your Account,  have the right to participate as a representative or member  allowed, such as the adjudication of claims on a class or  not exceed $27.00. If you pay late again during the next six  NY (on any purchase under $200.00)) until such item 
                          for details.                                                                                                    and/or an �Eighteen (18) Month� balance), the minimum                                                                                      We apply the  ANNUAL            State          Maximum Late Payment Fee  
                                                                         Account, you will be agreeing to everything written here.  in connection with the credit transaction; any application fee  amount, in no case will the minimum payment be less than  are subject to arbitration. �Claim� includes, without limitation,  of any class or group of claimants pertaining to any Claim  representative basis, then the arbitrator must decline to hear  If you reside in   billing cycles, the fee will not exceed $37.00.  of merchandise is paid for in full (in NY, not to exceed 
                                                                                                                                          payment for this balance shall be calculated as speci?ed in                                                                                monthly     PERCENTAGE          AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the 
                                                                         Therefore, before you sign the Application, you should  charged (other than certain application fees for speci?ed  the minimum purchase amount divided by the promotional  claims that arise from or relate to any application for your  subject to arbitration. We or you may elect to arbitrate any  the dispute and shall refer the parties to a court or other  the state of:   ?ve (5) years from date the purchase is posted to your 
                                                                                                                                          Paragraph 7. There shall be no separate, additional minimum                                                                         We apply the  periodic rate of:   ANNUAL  RATE  State  MN, MS, NV, NH, NY, ND,  Maximum Late Payment Fee   outstanding balance is $249.99 
                                                                                                         credit transactions or accounts); and any participation fee      period, which may shorten your repayment period in certain  Account or any advertisements, promotions, or statements                                             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                                                                                     Claim at any time unless it has been ?led in court and trial  If you reside in   body with suf?cient authority. In the event of any con?ict 
                                                                                                                                          payment component for a non-regular, non-promotional                                                                                monthly    PERCENTAGE        AK, AR, CT, HI, LA, MD, MI,  OH, OR, PA, SD, WI  $37.00 (except $29.00 if the  or less) 
                                                                         on the Application that identi?es you is incorporated in  charged (other than certain participation fees for a credit  instances. The minimum payment will never be more than the  related to your Account or goods or services that may be  has begun or ?nal judgment has been entered. the state of:   or inconsistency between this arbitration provision and the  of our purchase money security interest in each such item 
                          cycle. We will not charge you interest on purchases if you pay                                                  balance unless we provide you notice of such a requirement.                                                                         periodic rate of:   1.75% to $750.00   RATE  21%  MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99  5% of amount past due but not 
       Interest on Purchases                                             this Agreement by reference. This Agreement will not be  card account).                          remaining promotional purchase balance. ?nanced in connection with your Account. For purposes of  Administrator�s rules or other provisions of this Agreement,  AL  of merchandise, your payments will be allocated ?rst to 
                                                                                                                                                                                                                                           D. The party initiating an arbitration shall select an  1.5% over $750.00  18%  OH, OR, PA, SD, WI 
                          your entire balance by the due date each month.                                                                 7. Promotional Terms: At our sole discretion, we may offer                                                                                                                 AL   or less)  more than $37.00 and not less 
                                                                                                                                                                                                           this arbitration provision, �you� and �us� also includes any 
                                                                         effective unless and until we approve your Application.                                                                                                                                           this arbitration provision will govern.                         any unpaid insurance premium, next to any unpaid Late 
                                                                                                         To receive this disclosure and a description of your pay-        Eighteen (18) Month Plan. If any single purchase is              Administrator from the organizations listed above. If none  1.75% to $750.00   21% 
                                                                                                                                                                                                                                                                     AL                                                   5% of amount past due but not 
                                                                                                                                          you promotional terms for a new purchase or for an existing                                                                                                                               than $18.00 
                                                                                                                                                                                                           corporate af?liates, any licensees, predecessors, successors,    AR  1.5% over $750.00  1.4167%  18%  17%                       Payment Fees, any unpaid Returned Payment Fees, any 
                                                                                                         ment obligation under this agreement orally, please call         designated as purchased under the �Eighteen Month Plan�,         of the Administrators listed above will accept the arbitration,  11. Fees:   AL  more than $37.00 and not less 
                                                                                                                                          balance. Any promotion will be subject to the terms of the       assigns, any purchaser of any accounts, all agents, employees,                                                           $10.00 (except $5.00 if the 
                                                                         2. Balances: Each transaction or group of transactions 
       Minimum Interest Charge  None to $1. The minimum interest charge varies by state. See                                                                                                                                                                                                                                               unpaid Interest, and any other unpaid fees or charges, 
                                                                                                         1-866-726-5617.                                                  no Interest will be imposed on the promotional purchase for      the arbitration will be administered by an administrator, or  A. Returned Payment Fee: If any check, instrument, or  CO, GA, IN,  than $18.00 
                                                                         subject to the same terms (such as the applicable APR and        promotional offer and this Agreement. Below is a description     directors and representatives of any of the foregoing, and  AR     1.4167%    17%                         AZ, KS         minimum payment is $5.00 to 
                                                                                                                                                                          the ?rst twelve (12) months if you make all required minimum                                      MS, OK, TN,  1.75%   21%                      $10.00 (except $5.00 if the  then to pay off each purchase in the order in which the 
                                                                                                                                                                                                                                           adjudicated by an arbitrator, upon which you and we agree in  electronic authorization used to pay us is not honored upon 
                          Paragraph 5 of the Retail Installment Credit Agreement for details.            4. How to Avoid Paying Interest on Purchases: Your due  of some of the promotional terms that we may offer in our  other persons referred to below in the de?nition of �Claims�.  CO, GA, IN,                              $25.00) 
                                                                         duration) shall be considered part of the same balance. The 
                                                                                                                                                                          payments by the end of the 12th month. If we do not receive      writing. The arbitration shall be governed by the procedures  ?rst presentment, (for residents of MD, second presentment),  TX, VT, WY  AZ, KS  minimum payment is $5.00 to  purchase was made.
                                                                                                         date is at least 25 days after the close of each billing  sole discretion from time to time.      �Claim� includes claims of every kind and nature, including  MS, OK, TN,  1.75%  21%                      CA, CO, DC, IA  $15.00 
                                                                         balance subject to the Regular APR and the other regular                                         all required minimum payments by the end of the 12th month,      and rules of the Administrator and this Agreement, which  TX, VT, WY  even if the check, instrument or electronic authorization  DC, MD  2.0%  24%  $25.00) 
                                                                         terms set forth in this Agreement is your Account�s regular  cycle. We will not charge you Interest in any billing cycle          but not limited to initial claims, counterclaims, cross-claims,                                 CA, CO, DC, IA  DE, NM, TN, VT  $15.00  None  13. Default/Collection Costs: If you fail to pay any 
                          To learn more about factors to consider when applying for or                                                    No Interest If Paid in Full Plans. If any single purchase  or if we do not receive a required minimum payment within 60  need not apply federal, state or local rules of procedure  is later honored, we may charge you a Returned Payment 
       For Credit Card Tips from                                                                         in which payments received (and if required by law,                                               third-party claims, and claims based upon contract, tort,  DC, MD  HI, MA, MN, NC  2.0%  1.5%  24%  18% 
                                                                         balance. We calculate your total regular balance each billing    is designated as purchased under a no interest if paid in  days of its due date, Interest will be charged to your account  and evidence. The Administrator�s procedures and rules  Fee. Except as set forth for speci?ed states below, this fee is  DE, NM, TN, VT  FL, MT, NJ, TX  None  $10.00  minimum payment when due, or if the prospect of 
       the Consumer Financial   using a credit card, visit the website of the Consumer Financial  cycle by taking the regular balance for the prior billing  credits issued) by the due date equal or exceed the New  fraud, and other intentional torts, statutes, regulations, 
                                                                                                                                          full plan, you will pay no Interest on that balance if the                                                                 HI, MA, MN, NC 
                                                                                                                                                                          at the Regular APR from the promotional purchase date. After     may limit the discovery available to you or us. You can  up to $37.00. The fee charged generally will be the highest  MI, NY, OH, WV  1.5%  2.0825%  18%  24.99%  FL, MT, NJ, TX  GA  $10.00  $25.00  payment, performance, or realization of collateral is 
                                                                         cycle, adding any regular purchases, fees, Interest Charges,  Balance, including any promotional plan balances, shown             common law, and equity. Claims and remedies sought as 
                                                                                                                                          promotional purchase is paid in full in the designated  the ?rst twelve (12) months, we will use the speci?ed reduced  obtain a copy of an Administrator�s procedures and rules  MI, NY, OH, WV  amount permitted by law, subject to the speci?ed maximum.  2.0825%  1.75% to $499.99  24.99%  GA  $25.00  Greater of 5% of amount past  signi?cantly impaired, to the extent permitted by applicable 
       Protection Bureau  Protection Bureau at:                                                          on your billing statement.                                                                                                                                                              21% 
                                                                         other ?nance charges, and other debits, and subtracting                                                                           part of a class action, private attorney general action, or                                                                     law it will be a default, and, subject to any right you may 
                                                                                                                                          promotional time period (which may be 6 months, 12  APR (the �Promotional APR�), in lieu of the Regular APR, to  by contacting the Administrator. A single, neutral arbitrator  This means that the fee generally will not exceed the amount  NE  1.75% to $499.99  1.5% for $500.00 and  ID  Greater of 5% of amount past  due or $15.00 (but not to 
                          http://www.consumer?nance.gov/learnmore.                                                                                                                                         other representative action are subject to arbitration on an                  21%     18% 
                                                                         any payments or other credits, as of the closing date for  5. Calculation of Interest: In all states except MN and NM,  months, or another period speci?ed in the promotion). If  calculate Interest for the next six (6) months. The Promotional  will resolve Claims. The arbitrator will be either a lawyer with  NE  of the required minimum payment due immediately prior  1.5% for $500.00 and  more  ID  due or $15.00 (but not to  exceed $37.00)  have under state law to receive notice of and to cure such 
                                                                                                                                                                                                           individual (non-class, non-representative) basis, and the                     18% 
                                                                         that billing cycle. Balances subject to promotional terms                                                                                                                                                                                                         default, we may declare the entire unpaid balance on the 
                                                                                                         we calculate Interest Charges using the average daily balance  the promotional purchase balance is not paid in full by the  APR will return to your Regular APR at the expiration of the                         exceed $37.00) 
                                                                                                                                                                                                                                           at least ten years experience or a retired or former judge,  to the date on which the payment is returned. In addition,  more  Greater of 5% of amount past 
                                                                                                                                                                                                           arbitrator may award relief only on an individual (non-class,    All other states   2.2491%  26.99% 
       Fees                                                              are promotional balances. We calculate the total of any 
                                                                                                         method (including current transactions). In MN and NM, we  end of the designated promotional period, or if we do not                                                                                                              Account due and payable (except in WI you will not be 
                                                                                                                                                                          six month period or if we do not receive a required minimum      selected in accordance with the rules of the Administrator.  All other states   2.2491%  the ?rst time you make a payment that is returned, the fee  26.99%  IL, KY, WY  Greater of 5% of amount past  due or $10.00 (but not to 
                                                                                                                                                                                                           non-representative) basis. �Claim� also includes claims by or 
                                                                         promotional balance by adding the promotional purchase  calculate Interest Charges using the average daily balance  receive a required minimum payment within 60 days of its  payment within 60 days of its due date. See Paragraph 3 for  IL, KY, WY  due or $10.00 (but not to  exceed $37.00)  in default until you fail to make a minimum payment on 
                                                                                                                                                                                                                                           In the event of any con?ict or inconsistency between this  will not exceed $27.00. If you make another payment that 
                                                                                                                                                                                                           against any third party relating to or arising from your Card, 
       Annual Fee         None                                           for that balance and subtracting any payments allocated  method (excluding current transactions). We calculate  due date, Interest will be charged to your account at the                                                                        exceed $37.00) 
                                                                                                                                                                          details. The required minimum payment for the promotional        arbitration provision and the Administrator�s rules or other                                    two occasions within a twelve (12) month period). We 
                                                                                                                                                                                                                                                                           is returned during the next six billing cycles, the fee will not  IN  $18.50  
                                                                                                                                                                                                           your Account, or this Agreement. The term �Claim� is to be 
                                                                         to that promotional balance or other credits. You authorize  Interest separately for each balance on your Account subject  Regular APR from the promotional purchase date. Unless  balance will be 1/18th of the promotional purchase multiplied  provisions of this Agreement, this arbitration provision will  exceed $37.00. IN  $18.50   also may repossess any article of merchandise in which 
                                                                                                                                                                                                           given the broadest possible meaning that will be enforced.                                                               Lesser of 5% of amount past 
                                                                         us to allocate any payment or credit among your regular  to different terms (including APR and duration). We ?gure the  the promotion states that there is no separate promotional  by 1.030 and rounded up to the nearest $5.00, but not less  govern. The arbitrator will take reasonable steps to protect  ME  Lesser of 5% of amount past  we still retain a security interest, but we will do so only 
                                                                                                                                                                                                           �Administrator� means the American Arbitration Association,      State        Maximum Returned  ME                       due or $10.00 
       Penalty Fees                                                      and promotional balances, in any manner, including in a  Interest Charges by applying the applicable monthly periodic  minimum payment, the required minimum payment for the  than $150.00 or not less than $250.00, based on the terms  customer account information and other con?dential  State  Maximum Returned  due or $10.00  in the manner and to the extent permitted by applicable 
                          Up to $37. This fee varies by state. See Paragraph 11.B of the                                                                                                                   335 Madison Avenue, New York, NY 10017, www.adr.org,                          Payment Fee                                Lesser of 10% of outstanding 
                                                                         manner that may be bene?cial to us, except where otherwise  rate to the �average daily balance� for that balance. To get the  promotional balance will be the amount of the promotional  of the offer. information if requested to do so by you or us. Arbitration  Payment Fee  MA  Lesser of 10% of outstanding  law. If the Account is referred to an attorney who is not 
                                                                                                                                                                                                           (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine,                                      MA 
                                                                                                                                                                                                                                                                            AK, KY, LA, ME, NH,  $37.00                             balance or $10.00 
       � Late Payment                                                                                                                                                                                                                                                                                                     balance or $10.00 
                          Retail Installment Credit Agreement for details. prohibited by applicable law. The total of your regular balance  average daily balance for a balance, we take the beginning  purchase divided by the promotional period, rounded up  hearings for Claims by or against you will take place in the  AK, KY, LA, ME, NH,  $37.00  our salaried employee and we bring a suit against you to 
                                                                                                                                                                          8. Payments: All payments must be mailed or delivered to  CA 92614, www.jamsadr.com, (949) 224-1810.
                                                                         and any promotional balances is the �New Balance� shown  balance each day, add any new transactions (except we do  to the nearest $5.00 increment. However, if the promotion  federal judicial district in which you reside. If you make a  ND, OH, SD, VA, WA,  ND, OH, SD, VA, WA,  $10.00 (except $5.00 if the  $10.00 (except $5.00 if the  collect the amount you owe, in addition to the full amount 
                                                                                                                                                                          us at the address shown on the front of the billing statement                              WI     WI                             MO        MO   minimum payment is $5.00 to  minimum payment is $5.00 to 
                          Up to $37. This fee varies by state. See Paragraph 11.A of the  on your statement. not add in any new transactions in MN and NM); subtract  speci?es a minimum purchase amount, in no case will the  B. We OR you have the right to require that each Claim be  request to us in writing, we will temporarily advance to you  owed and any court costs, you agree to pay our reasonable 
                                                                                                                                                                          and accompanied by the payment slip. You must pay us in 
       � Returned Payment                                                                                any payments or credits and any Late Payment Fees, any  minimum payment be less than the minimum purchase  resolved by arbitration on an individual (non-class, non- the ?ling, administrative, and hearing fees for the arbitration  AL, AR, HI, KS, MN,  AL, AR, HI, KS, MN,  $30.00  $30.00  $24.99)  $24.99) 
                                                                                                                                                                                                                                                                                                                                           attorney�s fees to the extent permitted by applicable law. 
                          Retail Installment Credit Agreement for details.                                                                                                U.S. dollars drawn on funds on deposit in the United States 
                                                                         3. Your Regular Annual Percentage Rate: If Interest Charges                                                                                                                                 MT, SC, TN, TX    MT, SC, TN, TX   
                                                                                                         Returned Payment Fees, and/or unpaid Interest Charges;  amount divided by the promotional period, which may  representative) basis. A Claim will be arbitrated if (1) both we  of your Claim against us (but not if the Claim is against you)  Greater of 5% of amount past  Greater of 5% of amount past  Notice to New Hampshire Residents: We will pay your 
                                                                                                                                                                          using a check or similar instrument that will be processed 
                                                                         (which are FINANCE CHARGES) are assessed during a billing  and make other adjustments. This gives us the daily balance.  shorten your repayment period in certain instances. The  and you or (2) only one or the other of we or you, exercise the  in excess of any ?ling fee you would have been required to  NE  NE  due or $5.00 (but not to exceed  due or $5.00 (but not to exceed 
                                                                                                                                                                                                                                                                     AZ, CO, IL, IN, MI, NV,  AZ, CO, IL, IN, MI, NV,  $25.00  $25.00      reasonable attorney�s fees if you prevail in a suit we bring 
                                                                                                                                                                          and honored by your bank. Do not send cash payments. We 
                                                                         cycle, we will use the following Annual Percentage Rate (the  Then, we add up all the daily balances for the billing cycle and  minimum payment will never be more than the remaining                                                            $37.00) 
                                                                                                                                                                                                           right to require that the Claim be arbitrated. If, for example,  pay to ?le the Claim in a state or federal court (whichever is  $37.00) 
                                                                                                                                                                                                                                                                     NC, OK, RI, WV 
                                                                                                                                                                          can accept late or partial payments, as well as payments that                                     NC, OK, RI, WV                                                 against you or if you prevail in a suit you bring against us 
      How We Will Calculate Your Balance: We use a method called �average daily balance (including new 
                                                                         �Regular APR�) and corresponding monthly periodic rate,  divide the total by the number of days in the billing cycle. This  promotional purchase balance. If the promotion states that  we exercise our right to require that the Claim be resolved by  less) in the judicial district in which you reside. At the end of  $10.00 (except $5.00 if the  $10.00 (except $5.00 if the  under this Agreement. If you successfully assert a partial 
                                                                                                                                                                          re?ect �paid in full� or other restrictive endorsements, without                           CA, MD, MO   $15.00 
      purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new  subject to any promotional terms: gives us the average daily balance. Any negative daily balance  there is no separate promotional minimum payment, then  arbitration but you do not also exercise your right to require  the arbitration, the arbitrator will decide if you have to repay  CA, MD, MO  $15.00  NC  NC  outstanding balance is under  outstanding balance is under  defense or counterclaim, the court may withhold part or 
                                                                                                                                                                          losing any of our rights under this Agreement. We credit your                                                                                   $100.00) 
                                                                                                         will be treated as zero. If Interest Charges are imposed and  the amount of the promotional balance will be included in  that the Claim be arbitrated, the Claim will be resolved by  the advance (and if you do have to repay, you agree to do  CT, ID, IA, NJ, NY, UT  $20.00  $100.00) 
      purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details.                                                                                                                                                                               CT, ID, IA, NJ, NY, UT  $20.00                                 all of any attorney�s fees to which we may be entitled.
                                                                                                                                                                          payments in accordance with our payment instructions on the 
                                                                                  We apply the  ANNUAL   the total Interest that results from application of the above  State  Maximum Late Payment Fee   your regular balance for the purpose of calculating your  arbitration. If neither we nor you request arbitration, the Claim  so). Unless applicable law requires otherwise, we will pay  FL  Greater of 5% of amount of  The greater of 5% of the unpaid 
                                                                         If you reside in                                                                                 billing statement.                                                                                FL           Greater of 5% of amount of                 The greater of 5% of the unpaid 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is  monthly  PERCENTAGE   calculation to each balance is less than $1.00, we will impose  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  minimum payment. will not be resolved by arbitration and instead will be litigated  our, and you will pay your, lawyers�, experts�, and witnesses�  payment or $25.00 (max  OK  amount of the installment or  14. Down Payments, Limiting Your Credit, or Closing 
                                                                         the state of:                                                                                                                                                                                                   payment or $25.00 (max      OK             amount of the installment or 
                                                                                                                                                                                                                                                                                                                          $24.50 (not to exceed $37.00) 
                                                                                  periodic rate of:   RATE  a minimum Interest Charge of $1.00 (which is a FINANCE  MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99  9. Legal Notices: All notices, including notices relating to  in court. We will not elect arbitration for any Claim you ?le  fees. The arbitrator will apply applicable substantive law  $37.00)  Your Account: You have the right to close your Account 
      provided in your Retail Installment Credit Agreement.                                                                               Reduced Rate Plans. If any single purchase is designated as                                                                                    $37.00)                                    $24.50 (not to exceed $37.00) 
                                                                                                         CHARGE); except in MI, MO, NY, TN, and TX, where we will  OH, OR, PA, SD, WI  or less)  legal actions, bankruptcy notices, and any notice to us that  in small claims court, so long as the Claim is individual and  GA  Greater of 5% of amount of  RI  $12.00 
                                                                                                                                                                                                                                           consistent with the FAA and applicable statutes of limitations,                                 at any time, for any reason. You will still be liable for any 
                                                                                                                                          purchased under a reduced rate plan, we will calculate the                                                                        GA           Greater of 5% of amount of  RI             $12.00 
                                                                                  1.75% to $750.00   21%                                                                                                                                                                          payment or $30.00 (max 
                                                                                                         impose a minimum Interest Charge of $0.70 (which is a  5% of amount past due but not  you are represented by counsel in connection with your debt  pending only in that court. The arbitrator�s authority to resolve  will honor claims of privilege recognized at law, and will have  5% of amount past due, but not  balances owed. We may limit or terminate the use of your 
                                                                         AL                                                               Interest for the promotional balance by using an APR that                                                                               $37.00)  payment or $30.00 (max                   5% of amount past due, but not 
      STERLING FAMILY OF JEWELERS �  RETAIL INSTALLMENT CREDIT AGREEMENT          1.5% over $750.00  18%  FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  AL  more than $37.00 and not less  to us, must be sent to us at Genesis FS Card Services, P.O. Box  Claims is limited to Claims between you and us alone, and  SC  more than $18.00 and not less 
                                                                                                                                                                                                                                           the power to award to a party any damages or other relief                                       Account and/or raise or lower your credit limit at any 
                                                                                                                                          is less than your Regular APR (the �Promotional APR�), in                                                                                      $37.00) 
                       �                                                                                                                                                                                                                                             OR           $35.00                             SC   than $7.20   more than $18.00 and not less 
      In this Sterling Family of Jewelers  Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer to any  MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  than $18.00  4485, Beaverton, OR 97076-4485. If these notices are sent to  the arbitrator�s authority to make awards or decisions is  provided for under applicable law. The arbitrator will make  time and for any reason without advance notice to you. 
                                                                         AR       1.4167%    17%                                          lieu of the Regular APR during the speci?ed promotional                                                                    DC, DE, MA, MS, NE,  OR  None  $35.00                          than $7.20  
      person who signs the Application for this Account or this Agreement, or has requested and is issued a Sterling Family of Jewelers  a minimum Interest Charge of $0.50 (which is a FINANCE  $10.00 (except $5.00 if the  any other address, it will not satisfy any notice requirement  limited to you and us alone. Furthermore, Claims between  any award in writing and, if requested by you or us, will  Greater of 5% of amount past  On some transactions, we may require a down payment. 
                                                                         CO, GA, IN,                                                      period (which may be 6 months, 12 months, or some other                                                                    NM, PA, VT, WY 
                                                                                                                                                                          under this Agreement or any other legal requirement that you                                      DC, DE, MA, MS, NE,  None 
                                                                                                         CHARGE). Furthermore, there is no minimum Interest Charge  AZ, KS  minimum payment is $5.00 to    you and us may not be joined or consolidated in arbitration  provide a brief statement of the reasons for the award. UT  due or $30.00 (but not to  Greater of 5% of amount past 
      credit card on this Account. �We� �us� and �our� refer to Sterling Jewelers. Inc., doing business under each of the following                                                                                                                                                                                                        Some purchases will require our prior authorization, in 
                                                                         MS, OK, TN,  1.75%  21%                                          period speci?ed by us). The Promotional APR will return to                                                                        NM, PA, VT, WY                                exceed $37.00) 
      brands: J.B. Robinson Jewelers, Marks & Morgan Jewelers, Shaw�s Jewelers, Belden Jewelers, Osterman Jewelers, Weis?eld  in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us  $25.00)  provide notice to us. with Claims brought by or against someone other than you,                                      UT             due or $30.00 (but not to  which case you may be asked to provide identi?cation. 
                                                                         TX, VT, WY                                                       your Regular APR at the expiration of the promotional period                                     E. Judgment upon the arbitrator�s award may be entered in 
                                                                                                         to round any calculation used to determine Interest Charges,  CA, CO, DC, IA  $15.00              unless otherwise agreed to in writing by all parties. However,                                                 5% of amount of installment (but  exceed $37.00) 
      Jewelers, LeRoy�s Jewelers, Rogers Jewelers, and Goodman Jewelers, P.O. Box 3680, Akron, OH 44309-3680 (these brands make           or if we do not receive a required minimum payment within  10. Arbitration for Disputes � No Jury Trials or Class Actions:  any court with jurisdiction. The arbitrator�s decision regarding  VA  If our authorization system is not working, we may 
                       �                                                 DC, MD   2.0%       24%                                                                                                                                                                                                                          not to exceed $37.00) 
      up the �Sterling Family of Jewelers �), its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/ including rounding that may cause minor variations in our  DE, NM, TN, VT  None  applicants, co-applicants, authorized users on a single                                                    5% of amount of installment (but  not be able to authorize a transaction, even if you have 
                                                                                                                                          60 days of its due date. See Paragraph 3 for details. Unless  This paragraph describes how all Claims (as de?ned in  any claims will be ?nal and binding, except for any appeal  We will add any Returned Payment Fee to your Account�s  VA 
      or any amount due on your Account may be assigned. �Account� means the Account that will be established and governed by this  HI, MA, MN, NC  1.5%  18%  favor. The applicable monthly periodic rate for a balance is  FL, MT, NJ, TX  $10.00  Account, or corporate af?liates are considered one person            $37.00 (except 10% of the  not to exceed $37.00) 
                                                                                                                                          the promotion states that there is no separate promotional  subparagraph A below) will be arbitrated, at the election of         regular balance.                                                suf?cient available credit. We will not be liable to you if 
                                                                                                                                                                                                                                           right under FAA. The appealing party will pay the appeal costs. 
      Agreement. �Authorized User� means any person you permit to use your Account or who has apparent authority to do so. �Card�  the applicable Annual Percentage Rate divided by twelve (12), 
                                                                         MI, NY, OH, WV  2.0825%  24.99%         GA             $25.00                                                                     for the purposes of this paragraph. No arbitration award                                                       average daily balance for prior 
                                                                                                                                          minimum payment, the required minimum payment for  you or us, on an individual (non-class, non-representative)                                                                                   this happens. We are not responsible for the refusal of 
                                                                                                                                                                                                                                           This agreement to arbitrate shall survive any suspension,                                $37.00 (except 10% of the 
                                                                                                         and rounded to the fourth decimal place.                                                                                                                          B. Late Payment Fee: If we do not receive your minimum  WA  30-day period, but not less than 
      means any access device or method by which the Account may be accessed, including the Account number. �APR� means Annual  Greater of 5% of amount past                                               will have any preclusive effect as to issues or claims in any 
                                                                                  1.75% to $499.99                                        the promotional balance will be the promotional balance  basis instead of litigated in court. If you are a �Covered  termination, revocation or closure of the Agreement or your          average daily balance for prior  anyone to accept or honor a Card associated with this 
                                                                                                                                                                                                                                                                                                                          $2.00, if the balance is less than 
                                                                                             21%                 ID             due or $15.00 (but not to                                                  dispute involving anyone who is not a party to the arbitration.  payment by its due date (or within seven (7) days in VA; 
      Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are calculated pursuant to Paragraph 5. NE  1.5% for $500.00 and  6. Minimum Payment: You agree to pay at least the  divided by the number of months in the promotional period,  Borrower� as determined in accordance with the safe harbor  WA  30-day period, but not less than 
                                                                                                                                                                                                                                           Account, and any bankruptcy to the extent consistent with                      $100.00)         Account. All Cards we issue remain our property and, if 
                                                                                             18%                                                                                                           This arbitration provision is made pursuant to a transaction    within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN, 
                                                                                  more                   �Minimum Payment� shown on your billing statement on or  exceed $37.00)  multiplied by a factor based on the applicable Reduced APR,  provisions in the Military Lending Act and its implementing                          $2.00, if the balance is less than 
                                                                                                                                                                                                                                           applicable bankruptcy law.                                                                      requested, you agree to return any Card issued to you. 
                                                                                                                                                                                                           involving interstate commerce and will be governed by the       KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;    5% of amount past due, but not 
      1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under 
                                                                                                         before its due date. Your total Minimum Payment is the sum  Greater of 5% of amount past                                                                   Buyer
                                                                                                                                          and rounded up to the nearest $5.00 increment or $30.00,  regulations, you are not required to submit to arbitration.                 Signature                  WV                       $100.00)  We may, at our discretion, permit you to make a purchase 
                                                                         All other states   2.2491%  26.99%                                                                                                                                                                                                               to exceed $30.00 
      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.). F. If any part of this arbitration provision cannot be enforced,  within ?fteen (15) days in CA, ME, and MA; within twenty-
                                                                                                                 IL, KY, WY     due or $10.00 (but not to                                                                                                                                                                           5% of amount past due, but not  in excess of your stated credit limit. If we do so, this will 
                                                                                                                                                                                                                                                                           Buyer        Signature                    WV 
                                                                                                                                exceed $37.00)                                                                                                                                               
                                                                                                                                                                                                                                                                    Seller                                                          to exceed $30.00 
                                                                                                                                                                                                                                                                       - Creditor  
                                                                                                                 IN             $18.50                                                                                                                                                               
                                                                                                                                Lesser of 5% of amount past 
     418594-60005_Genesis-Sterling New Rev2.indd   1                                                                                                                                                                                                                       Seller Creditor
                                                                                                                 ME                                                                                                                                                    Chris Klemann, Vice President Financial Services -                                          8/23/17   1:29 PM
                                                                         State        Maximum Returned                          due or $10.00 
                                                                                                                                                                                                                                                                     Sterling Jewelers Inc., d/b/a/ Sterling Family of Jewelers,                
                                                                                      Payment Fee                               Lesser of 10% of outstanding 
                                                                                                                 MA                                                                                                                                                       P.O. Box 3680, Akron, OH 44309-3680 Chris Klemann, Vice President Financial Services
                                                                         AK, KY, LA, ME, NH,  $37.00                            balance or $10.00 
                                                                                                                                                                                                                                                                            Sterling Jewelers Inc., d/b/a/ Sterling Family of Jewelers,
                                                                         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) 
                                                                         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) 
                                                                                                                                $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 
                                                                                                                                $100.00) 
                                                                                                                                5% of amount past due, but not 
                                                                        Buyer        Signature                   WV 
                                                                                                                                to exceed $30.00 
                                                                                            
                                                                        Seller - Creditor  
                                                                                                       
                                                                           Chris Klemann, Vice President Financial Services
                                                                         Sterling Jewelers Inc., d/b/a/ Sterling Family of Jewelers,
                                                                              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                                                         
      not permanently increase your credit limit. To request the  19. Governing Law: This Agreement and your Account and  (a) Section 10 regarding arbitration shall not apply to you;  NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR  NM, PA, VT, WY    �  The charge in question may remain on your statement,  Rev. 10/17 
                                                                                                                                         UT           due or $30.00 (but not to 
      names of our related brand jewelers, please call Customer  any claim, dispute, or controversy arising from or relating to  (b) any interest or fees in excess of the permitted limit shall  BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM  and we may continue to charge you interest on that  exceed $37.00)   
                                                                                                                                                                                 WHAT DOES STERLING JEWELERS INC. (hereafter, �STERLING  Page 2 
      Service at 1-866-726-5617.     this Agreement or your Account are governed, to the extent  be reduced by the amount necessary to satisfy that limit  SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF  amount.  5% of amount of installment (but 
                                                                                                                                         VA                                                      �
                                                                                                                                                                       FACTS     FAMILY OF JEWELERS �) DO WITH YOUR PERSONAL 
                                     applicable, by U.S. federal law and the law of the state of your  and any amounts collected in excess of the permitted limit  THE THIRD BUSINESS DAY FOLLOWING A PURCHASE    �  While you do not have to pay the amount in question, you  not to exceed $37.00) 
                                                                                                                                                                                                                                                                       
      15. Change in This Agreement: To the extent permitted  billing address when this Account was opened or, for non- shall be refunded by crediting your Account or by making a  UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT. are responsible for the remainder of your balance.  $37.00 (except 10% of the  INFORMATION? What we do 
      by law, we may change any term of this Agreement,                                                                                                                                                                                                                
                                     U.S. residents, the law of the state where the Account was  direct payment to you; and (c) any other provision of this    �  We can apply any unpaid amount against your credit limit.  average daily balance for prior   �
      including any Annual Percentage Rate or fee, as well                                           YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL  WA  30-day period, but not less than                                                                           To protect your personal information from 
                                     opened (without regard to con?icts of laws principles), unless  Agreement that is inconsistent with the Military Lending Act 
                                                                                                                                                      $2.00, if the balance is less than  Financial companies choose how they share your personal information.  Federal law 
      as add and/or subtract terms. We will furnish you notice                                       INSTALLMENT CREDIT AGREEMENT.   After we ?nish our investigation, one of two things will happen: Why?                                                            unauthorized access and use, we use security 
                                     we receive written notice that you have moved to another  shall not apply to you.                                $100.00) 
      of the change to the extent required by law. If permitted                                                                       �  If we made a mistake: You will not have to pay the  gives consumers the right to limit some but not all sharing.  Federal law also requires 
                                     U.S. state pursuant to Paragraph 20. If we receive notice                                                                                                                                                                        measures that comply with federal law.  These 
                                                                                                                                                      5% of amount past due, but not 
      by applicable law, any new terms may at our option              Notice to Florida Residents: The Annual Percentage Rates  Buyer   Signature amount in question or any interest or other fees  WV  us to tell you how we collect, share, and protect your personal information.  Please 
                                     of a change in your billing address, except for any Annual                                                       to exceed $30.00                                                                                                measures include computer safeguards and secured 
      be applied to any balance existing on the Account at            shown above are authorized by Chapter 655 of the Florida          related to that amount.                  read this notice carefully to understand what we do. 
                                     Percentage Rate (and corresponding monthly periodic rate)                                                                                                                                                                        files and buildings. 
      the time of change, as well as to any subsequent                Statutes.                       Seller - Creditor               �  If we do not believe there was a mistake: You will have                                                                       
                                     applicable to any outstanding balance, the terms applicable to 
      transactions.                  the state of your new billing address will apply to all balances                                   to pay the amount in question, along with applicable  The types of personal information we collect and share depend on the product or    We collect your personal information, for example, 
                                                                      Notice to Maryland Residents: This Account is governed by 
                                                                                                         Chris Klemann, Vice President Financial Services interest and fees. We will send you a statement of the  What?  service you have with us.  This information can include:    when you 
                                     on your Account after we receive written notice of your new 
      16. Credit Investigation: You authorize us to investigate       Subtitle 9, Title 12 of the Maryland Commercial Law Article.                                                
                                     address. Any Annual Percentage Rate (and corresponding            Sterling Jewelers Inc., d/b/a/ Sterling Family of Jewelers, amount you owe and the date payment is due. We                                                      
      your credit history by obtaining consumer reports and                                                P.O. Box 3680, Akron, OH 44309-3680                                   �  Social Security number and account balances 
                                                                                                                                        may then report you as delinquent if you do not pay                                                                           �  open an account or give us your contact 
                                     monthly periodic rate) applicable to a balance outstanding  Notice to Michigan Residents: The seller retains a security 
      by making direct inquiries of businesses where you                                                                                the amount we think you owe.             �  Payment history and transaction history 
                                     prior to noti?cation of a change in billing address will continue                                                                                                                                                                  information 
                                                                      interest in the subject matter of this Agreement.
      have accounts and where you work. We may request a 
                                     to apply to such balance until it is paid off.                  Your Billing Rights: Keep this Document for Future Use                      �  Credit history and credit scores                                                  �  pay your bills or apply for a loan 
      consumer report from consumer reporting agencies                                                                               If you receive our explanation but still believe your bill is   
                                                                      Notice to Pennsylvania Residents: This is a Security 
      in considering your application for this Account or any                                                                        wrong, you must write to us within 10 days telling us that  When you are no longer our customer, we continue to share your information as  �  use your credit or debit card 
                                     20. Change of Address or Other Contact Information: You  Agreement. This notice tells you about your rights and our 
                                                                                                                                                                                                                                                                           
      other account you have with us and later in connection                                                                         you still refuse to pay. If you do so, we cannot report you as 
                                     agree to notify us promptly in writing of any changes to your   responsibilities under the Fair Credit Billing Act.                         described in this notice. 
                                                                                                                                     delinquent without also reporting that you are questioning                                                                       We also collect your personal information from 
      with an update, renewal, extension of credit or collection  billing address, phone number, email address, and other  Notice to Texas Residents: For questions or complaints   
      of the Account or any other account you have with us.  contact information. Until we receive written notice of your  about this contract, contact Genesis FS Card Services  What To Do If You Find A Mistake On Your Statement your bill. We must tell you the name of anyone to whom  others, such as credit bureaus, affiliates, or other 
                                                                                                                                                                                 All financial companies need to share customers� personal information to run their 
      Upon your request we will disclose whether a consumer                                                                          we reported you as delinquent, and we must let those                                                                             companies. 
                                     new billing address or email address, if you have elected to  at 1-866-726-5617. The Of?ce of Consumer Credit                    How? 
                                                                                                     If you think there is an error on your statement, write to us at:
      report was requested and the name and address of any                                                                           organizations know when the matter has been settled  everyday business.  In the section below, we list the reasons financial companies can   
                                                                                                                                                                                                                                                                       
                                     receive notices electronically, we will continue to send billing  Commissioner (OCCC) is a state agency, and it enforces                                                                    �
      consumer reporting agency that furnished the report. We         certain laws that apply to this contract. If a complaint or    between us.                                 share their customers� personal information; the reasons Sterling Family of Jewelers     Federal law gives you the right to limit only 
                                     statements and other notices to the address we have on ?le        Genesis FS Card Services                                                                                                                                        
      may report information about your Account to credit             question cannot be resolved by contacting the creditor,    P.O. Box 4485                                   chooses to share; and whether you can limit this sharing. 
                                     for your Account. Subject to Paragraph 19, we deem you to 
                                                                                                                                     If we do not follow all of the rules above, you do not have to 
      bureaus. Late payments, missed payments, or other                                                                                                                                                                                                               �  sharing for affiliates� everyday business purposes 
                                     reside at the billing address we have on ?le for the purpose of  consumers can contact the OCCC to ?le a complaint or ask    Beaverton, OR 97076-4485  
                                                                                                                                     pay the ?rst $50.00 of the amount you question even if your 
      defaults on your Account may be re?ected on your credit                                                                                                                                          Does Sterling Family                                             � information about your creditworthiness 
                                     applying terms that vary with your state of residence. a general credit-related question. OCCC address: 2601 N.                                                                     Can you limit 
                                                                                                                                     bill is correct.
      report. If you believe that we have reported inaccurate                                        In your letter, give us the following information:               Reasons we can share your personal information 
                                                                      Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.                                                                                 �
                                                                                                                                                                                                        of Jewelers  share?  this sharing?                            �  affiliates from using your information to market to 
      information to a consumer reporting agency, write to us at  21. Assignment: We may sell, transfer, or assign our rights or  Fax: (512) 936-7610. Website: occc.texas.gov. E-mail:    �  Account information: Your name and account number.                                                                                             CREDIT DISCLOSURES FOR THE 
                                                                                                                                     Your Rights If You Are Dissatis?ed With Your Credit Card                                                                           you 
      Genesis FS Card Services, P.O. Box 4485, Beaverton, OR  obligations under this Agreement without prior notice to you.  consumer.complaints@occc.texas.gov.   �  Dollar amount: The dollar amount of the suspected  For our everyday business purposes � 
                                                                                                                                     Purchases                                                                                                                        �  sharing for nonaffiliates to market to you                          STERLING JEWELRY ACCOUNT
      97076-4485 and we will investigate the matter. You may not sell, transfer, or assign your rights or obligations  error.                                         such as to process your transactions, maintain your                                              
                                     under this Agreement or your Account. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT    �  Description of problem: If you think there is an error  If you are dissatis?ed with the goods or services that you  account(s), respond to court orders and legal  YES  NO  State laws and individual companies may give you 
      17. No Waiver by Us: We may, without notice to you,             CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES  on your bill, describe what you believe is wrong and  have purchased with your credit card, and you have tried in  investigations, or report to credit bureaus  
      delay or refrain from enforcing our rights under this  22. Liability for Unauthorized Use: You agree to notify us  WHICH THE DEBTOR COULD ASSERT AGAINST THE                                                                                                    additional rights to limit sharing.  
                                                                                                        why you believe it is a mistake. good faith to correct the problem with the merchant, you may   
                                                                                                                                                                                                                                                                       
      Agreement without losing them (e.g., we may extend the  promptly if your Card is lost or stolen, or of the unauthorized  SELLER OF GOODS OR SERVICES OBTAINED PURSUANT  have the right not to pay the remaining amount due on the  For our marketing purposes �   
                                                                                                                                                                                                                                         
      time to make some payments without extending the time  use of your Card, by writing to us at Genesis FS Card Services,  HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY  You must contact us: 
                                                                                                                                     purchase.                        to offer our products and services to you  YES       NO                                          
      to make other payments, accept late or partial payments  P.O. Box 4480, Beaverton, OR 97076-4480 or by calling us at  HEREUNDER BY THE DEBTOR SHALL NOT EXCEED   � Within 60 days after the error appeared on your                Definitions 
                                                                                                                                                                                                                                         
      without waiving our right to have future payments made  1-866-726-5617. If you orally give us notice, you agree to  AMOUNTS PAID BY THE DEBTOR HEREUNDER.  statement.  To use this right, all of the following must be true:                                     
                                                                                                                                                                      For joint marketing with other financial 
      when they are due, and/or waive any charge or fee without  con?rm in writing. You may be liable for unauthorized use of    �  At least 3 business days before an automated payment    1.  The purchase must have been made in your home state                   Companies related by common ownership or control.  
                                                                                                                                                                      companies                             NO         We don�t share. 
      losing our right to impose that charge or fee when it is  your Card prior to your noti?cation of us. You will not be liable  NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION  is scheduled, if you want to stop payment on the  or within 100 miles of your current mailing address, and    They can be financial and nonfinancial companies. 
                                                                                                                                                                       
      due under this Agreement).     for unauthorized use that occurs after you notify us of the  AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ  amount you think is wrong. the purchase price must have been more than $50.00.                                         
                                                                                                                                                                      For our affiliates� everyday business purposes � 
                                     loss, theft, or unauthorized use and, in any case, your liability  IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE                                                                                                                              �
                                                                                                                                        (Note: Neither of these are necessary if your purchase                         We don�t share.                                �  Sterling Family of Jewelers  does not share with 
      18. Customer Communications: You agree that your                                               You must notify us of any potential errors in writing. You       information about your transactions and experiences   NO 
                                     will not exceed $50.00.          ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS                   was based on an advertisement we mailed to you, or if   
                                                                                                                                                                                                                                                                        our affiliates. 
      calls with us may be monitored and/or recorded and that         CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY THE  may call us, but if you do we are not required to investigate                                                                                      
                                                                                                                                        we own or operate the company that sold you the goods                                                                          
                                                                                                                                                                      For our affiliates� everyday business purposes � 
      we (or anyone acting on our behalf) may contact you  23. Authorized Users: You may request additional Cards on  TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT  any potential errors and you may have to pay the amount in 
                                                                                                                                        or services.)                                                                  We don�t share.                                Companies not related by common ownership or 
      from time to time regarding your Account (including for  your Account, and you may permit an Authorized User to have  WITHOUT INCURRING ANY ADDITIONAL CHARGE. 4. KEEP  question. information about your creditworthiness  NO 
                                                                                                                                       2.  You must have used your credit card for the purchase.   
                                                                                                                                                                                                                                                                      control.  They can be financial and nonfinancial 
      collections purposes). You further agree that all of our  access to a Card. However, if you do, you are responsible for  THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5. 
                                                                                                     What Will Happen After We Receive Your Letter Purchases made with cash advances from an ATM or with  For our nonaffiliates to market to you                      companies. 
      contacts with you may be made via email, text messages  all charges made by the Authorized User, including charges  YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM  a check that accesses your credit card account do not  NO  We don�t share.                       
      or with an automated dialing and announcing or similar  for which you may not have intended to be responsible. You  THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR                                                                                                                 �
                                                                                                     When we receive your letter, we must do two things:  qualify.                                                                                                    �  Sterling Family of Jewelers  does not share with 
      device and/or an arti?cial voice or prerecorded message.  must notify us to revoke an Authorized User�s permission to  DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS,    1.  Within 30 days of receiving your letter, we must tell    3. You must not yet have fully paid for the purchase. nonaffiliates so they can market to you. 
      You also agree that we may contact you at any telephone  use your Account. If you do so, we may close the Account and  REQUIRE A RESALE OF THE PROPERTY REPOSSESSED.  you that we received your letter. We will also tell you if                                   
                                                                                                                                                                      Questions?                                                                                       
      number you provide to us, even if you are charged by  issue a new Card or Cards with a different Account number. 6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER  we have already corrected the error.  If all of the criteria above are met and you are still dissatis?ed 
                                                                                                                                                                                                                                                                      A formal agreement between nonaffiliated financial 
      your service provider, whether a residential or business        YOUR PREMISES OR COMMIT ANY BREACH OF THE                                                        
                                                                                                       2.  Within 90 days of receiving your letter, we must either  with the purchase, contact us in writing at the address listed 
                                     24. Military Lending Act Compliance: This Agreement                                                                                                                                                                              companies that together market financial products or 
      number, even if that number is on a Do Not Call list, is        PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS  correct the error or explain to you why we believe the bill  above.
                                     shall be interpreted to comply with the Military Lending 
      a wireless, cellular or mobile number; is converted to          AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS                                                                                                                                                  services to you. 
                                                                                                        is correct.
                                     Act, including its restrictions on permissible loan terms and 
      a mobile/wireless number; or connects to any type of                                                                           While we investigate, the same rules apply to the disputed                                                                        
                                                                      AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A                                                                                                                                                                    �
                                     limitations on interest and fees. For Accounts opened on 
      mobile/wireless device. You agree that any consent you                                                                         amount as discussed above. After we ?nish our investigation,                                                                     �  Sterling Family of Jewelers  does not joint 
                                                                      PURCHASE UNDER THIS AGREEMENT IF IT HAS BEEN  While we investigate whether or not there has been an 
                                     or after October 3, 2017, if you are a Covered Borrower as 
      provide will survive termination of your Account. To opt                                       error:                          we will tell you of our decision. At that point, if we think you 
                                                                      SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN                                                                                                                                                   market. 
                                                                                                                                                                                                                                                                         
                                     determined in accordance with the safe harbor provisions in 
      out of these contacts, you may call Customer Service at                                                                        owe an amount and you do not pay, we may report you as 
                                                                      THE ADDRESS OF THE SELLER, WHICH MAY BE HIS    �  We cannot try to collect the amount in question, or                                                             
                                     the Military Lending Act and its implementing regulations: 
      1-866-726-5617.                                                                                   report you as delinquent on that amount.  delinquent.
                                                                      MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU                                                                                                                                                                                      0300-30F-5678               60005
                                                                                                                                                                                                                                        
     418594-60005_Genesis-Sterling New Rev2.indd   2                                                                                                                                                                                                                                                                                                               8/23/17   1:29 PM