�                                      on	or	before	its	due	date.	Your	total	Minimum	Payment	is	the	sum	of	any	minimum	payment	for	your	 9. Legal Notices:	All	notices,	including	notices	relating	to	legal	actions,	bankruptcy	notices,	and	any	notice	
                                          SUMMARY OF STERLING FAMILY OF JEWELERS  CHARGE ACCOUNT TERMS
                                                                                                                  regular	 balance	 and	 for	 any	 promotional	 balance.	 We	 base	 your	 minimum	 payment	 for	 your	 regular	 to	us	that	you	are	represented	by	counsel	in	connection	with	your	debt	to	us,	must	be	sent	to	us	at	P.O.	 Rev.	10/15
                                           Interest Rates and Interest Charges                                    balance	on	the	highest	�Regular	Balance�	(the	New	Balance	less	any	balance	with	a	separate	minimum	 Box	1799,	Akron,	OH	44309-1799.	If	these	notices	are	sent	to	any	other	address,	it	will	not	satisfy	any	 �
                                                                                                                                                                                                          WHAT DOES STERLING FAMILY OF JEWELERS  DO WITH 
                                                                                                                  payment)	on	your	Account	since	the	Regular	Balance	was	last	reduced	to	zero	(the	�Highest	Regular	 notice	requirement	under	this	Agreement	or	any	other	legal	requirement	that	you	provide	notice	to	us.
                                                                                                                                                                                             FACTS
            Reward yourself with the        Annual Percentage Rate                                                Balance�).	Your	balance	is	considered	to	be	zero	when	opened	or	when	there	is	a	credit	balance.	We	will	 10. Arbitration for Disputes � No Jury Trials or Class Actions:	 This	 paragraph	 describes	 how	 all	 YOUR PERSONAL INFORMATION?
                                                          17%	to	24.99%.	This	APR	varies	by	state.	See	Paragraph	3	of	the	Retail	Installment	Credit	
                                          (APR) for Purchases                                                     recalculate	the	minimum	payment	if	a	subsequent	return	is	made,	and	the	Regular	Balance	is	below	the	 Claims	(as	de?ned	in	subparagraph	A	below)	will	be	arbitrated,	at	the	election	of	you	or	us,	on	an	individual	
              ?ner things in life.                        Agreement	for	details.	                                 Highest	Regular	Balance.	The	minimum	payment	for	your	regular	balance	will	be	calculated	as	follows,	 (non-class,	non-representative)	basis	instead	of	litigated	in	court.	
                                                                                                                  except	any	minimum	payment	in	excess	of	$25.00	will	be	rounded	up	to	the	nearest	$5.00	increment,	and	 A.	The	term	�Claim�	means	any	claim,	dispute,	or	controversy	between	you	and	us	arising	from	or	relating	
             The bene?ts are all yours.     How to Avoid Paying   Your	due	date	is	at	least	25	days	after	the	close	of	each	billing	cycle.	We	will	not	charge	you	interest	
                                                                                                                  the	minimum	payment	for	your	regular	balance	will	never	exceed	the	Regular	Balance: to	your	Card,	your	Account,	or	this	Agreement	as	well	as	any	related	or	prior	agreement	that	you	may	have	 Financial companies choose how they share your personal information. Federal law gives 
                                                                                                                                                                                            Why?
                                          Interest on Purchases  on	purchases	if	you	pay	your	entire	balance	by	the	due	date	each	month.               had	with	us	or	the	relationships	resulting	from	this	Agreement,	including	the	validity,	enforceability	or	scope	 consumers the right to limit some but not all sharing. Federal law also requires us to tell you 
          �  Instant credit                                                                                        Highest Regular Balance  Minimum Payment  of	this	arbitration	provision	or	the	Agreement.	Claims	arising	in	the	past,	present,	or	future,	including	Claims	
                                                                                                                                                                                                          how we collect, share, and protect your personal information. Please read this notice  
                                            Minimum Interest   None to $1.The	minimum	interest	charge	varies	by	state.	See	Paragraph	5	of	the	Retail	 	Up	to	$265.00	 $25.00 arising	before	the	opening	of	your	Account,	are	subject	to	arbitration.	�Claim�	includes,	without	limitation,	
          �  No annual fee
                                                                                                                  	$265.01	to	$500.00	 10%	of	Highest	Regular	Balance	 claims	that	arise	from	or	relate	to	any	application	for	your	Account	or	any	advertisments,	promotions,	or	 carefully to understand what we do.
                                          Charge          Installment	Credit	Agreement	for	details.	                                                   statements	related	to	your	Account	or	goods	or	services	that	may	be	?nanced	in	connection	with	your	
          �  Allows your bank cards to be used for                                                                	$500.01	to	$750.00	 9%	of	Highest	Regular	Balance
                                                                                                                                                       Account.	For	purposes	of	this	arbitration	provision,	�you�	and	�us�	also	includes	any	corporate	af?liates,	
            emergencies or other uses       For Credit Card Tips from  To	learn	more	about	factors	to	consider	when	applying	for	or	using	a	credit	card,	visit	the	website	of	the	 	$750.01	to	$1,500.00	 7%	of	Highest	Regular	Balance
                                                                                                                                                       any	licensees,	predecessors,	successors,	assigns,	any	purchaser	of	any	accounts,	all	agents,	employees,	
                                          the Consumer Financial                                                  	$1,500.01	to	$2,500.00	 6%	of	Highest	Regular	Balance
                                                          Consumer	Financial	Protection	Bureau	at:	http://www.consumer?nance.gov/learnmore.	           directors	and	representatives	of	any	of	the	foregoing,	and	other	persons	referred	to	below	in	the	de?nition	 What? The types of personal information we collect and share depend on the product or service you 
          �  Convenient shopping in our stores 
                                          Protection Bureau                                                       	$2,500.01	&	Up	 5%	of	Highest	Regular	Balance of	�Claims�.	�Claim�	includes	claims	of	every	kind	and	nature,	including	but	not	limited	to	initial	claims,	
          nationwide                                                                                                                                                                                      have with us. This information can include:
                                                                                                                  If	 your	 billing	 statement	 shows	 a	 promotional	 balance	 (such	 as	 a	 �No	 Interest�	 balance,	 a	 �Reduced	 counterclaims,	cross-claims,	third-party	claims,	and	claims	based	upon	contract,	tort,	fraud,	and	other	
                                                                                                                                                       intentional	torts,	statutes,	regulations,	common	law,	and	equity.	Claims	and	remedies	sought	as	part	of	a	
          �  Establishes a credit history to assist   Fees                                                        Interest	Rate�	balance,	and/or	an	�Eighteen	(18)	Month�	balance),	the	minimum	payment	for	this	balance	 � Social Security number and account balances
                                                                                                                  shall	be	calculated	as	speci?ed	in	Paragraph	7.	There	shall	be	no	separate,	additional	minimum	payment	 class	action,	private	attorney	general	action,	or	other	representative	action	are	subject	to	arbitration	on	an	
            in future buying events
                                            Annual Fee  None	                                                     component	for	a	non-regular,	non-promotional	balance	unless	we	provide	you	notice	of	such	a	requirement. individual	(non-class,	non-representative)	basis,	and	the	arbitrator	may	award	relief	only	on	an	individual	 � payment history and transaction history
          �  Customer Appreciation mailings                                                                       7. Promotional Terms:	At	our	sole	discretion,	we	may	offer	you	promotional	terms	for	a	new	purchase	 (non-class,	non-representative)	basis.	�Claim�	also	includes	claims	by	or	against	any	third	party	relating	to	
                                            Penalty Fees 
                                                                                                                  or	for	an	existing	balance.	Any	promotion	will	be	subject	to	the	terms	of	the	promotional	offer	and	this	 or	arising	from	your	Card,	your	Account,	or	this	Agreement.	The	term	�Claim�	is	to	be	given	the	broadest	 � credit history and credit scores
          �  You may return your purchase within 60  		 �	Late	Payment Up	to	$37.	This	fee	varies	by	state.	See	Paragraph	11.B	of	the	Retail	Installment	Credit	Agreement	for	details. Agreement.	Below	is	a	description	of	some	of	the	promotional	terms	that	we	may	offer	in	our	sole	discretion	 possible	meaning	that	will	be	enforced.	�Administrator�	means	the	American	Arbitration	Association,	335	
            days or exchange it within 90 days of                                                                                                      Madison	Avenue,	New	York,	NY	10017,	www.adr.org,	(800)	778-7879;	or	JAMS,	1920	Main	St.,	Suite	300,	 When you are no longer our customer, we continue to share your information as described in 
                                          		 �	Returned	Payment Up	to	$37.	This	fee	varies	by	state.	See	Paragraph	11.A	of	the	Retail	Installment	Credit	Agreement	for	details. from	time	to	time.	
            purchase. Watches may be exchanged or                                                                 No	Interest	If	Paid	in	Full	Plans.	If	any	single	purchase	is	designated	as	purchased	under	a	no	interest	 Irvine,	CA	92614,	www.jamsadr.com,	(949)	224-1810.	
                                                                                                                                                                                                          this notice.
            returned within 30 days provided they are in                                                          if	 paid	 in	 full	 plan,	 you	 will	 pay	 no	 interest	 if	 the	 promotional	 purchase	 is	 paid	 in	 full	 in	 the	 designated	 B.	We	OR	you	have	the	right	to	require	that	each	Claim	be	resolved	by	arbitration	on	an	individual	(non-
            original condition (unworn and unaltered)  How We Will Calculate Your Balance:	We	use	a	method	called	�average	daily	balance	(including	new	purchases)�	in	all	states	except	MN	and	NM;	we	use	a	method	called	 promotional	time	period	(which	may	be	6	months,	12	months,	or	another	period	speci?ed	in	the	promotion).	 class,	non-representative)	basis.	A	Claim	will	be	arbitrated	if	(1)	both	we	and	you	or	(2)	only	one	or	the	
            and accompanied by the original packaging,  �average	daily	balance	(excluding	new	purchases)�	in	MN	and	NM.	See	the	Retail	Installment	Credit	Agreement	for	more	details.	 If	the	promotional	purchase	balance	is	not	paid	in	full	by	the	end	of	the	designated	promotional	period,	or	 other	of	we	or	you,	exercise	the	right	to	require	that	the	Claim	be	arbitrated.	If,	for	example,	we	exercise	
                                                                                                                  if	we	do	not	receive	a	required	minimum	payment	within	60	days	of	its	due	date,	interest	will	be	charged	 our	 right	 to	 require	 that	 the	 Claim	 be	 resolved	 by	 arbitration	 but	 you	 do	 not	 also	 exercise	 your	 right	
            instructions and warranty documents.   Billing Rights:	Information	on	your	rights	to	dispute	transactions	and	how	to	exercise	those	rights	is	provided	in	your	Retail	Installment	Credit	Agreement.	 How? All ?nancial companies need to share customers� personal information to run their everyday 
                                                                                                                                                       to	require	 that	 the	 Claim	 be	arbitrated,	 the	 Claim	 will	 be	resolved	 by	arbitration.	 If	neither	 we	nor	 you	 How?
            Custom designed merchandise, class rings,                                                             to	your	account	at	the	Regular	APR	from	the	promotional	purchase	date.	Unless	the	promotion	states	that	
                                                                                                                  there	is	no	separate	promotional	minimum	payment,	the	required	minimum	payment	for	the	promotional	 request	arbitration,	the	Claim	will	not	be	resolved	by	arbitration	and	instead	will	be	litigated	in	court.	We	 business. In the section below, we list the reasons ?nancial companies can share their 
            special ordered watches and items engraved  STERLING FAMILY OF JEWELERS� RETAIL INSTALLMENT CREDIT AGREEMENT  If you reside in the state of:  We apply the monthly periodic rate of:				ANNUAL PERCENTAGE RATE will	not	elect	arbitration	for	any	Claim	you	?le	in	small	claims	court,	so	long	as	the	Claim	is	individual	 �
                                                                                                                                                                                                          customers� personal information; the reasons Sterling Family of Jewelers  chooses to share; 
            with personalized information cannot be                                                               balance	will	be	the	amount	of	the	promotional	purchase	divided	by	the	promotional	period,	rounded	up	
                                          In	this	Sterling	Family	of	Jewelers � 	Retail	Installment	Credit	Agreement	(�Agreement�),	the	words	�you�	 	AL  1.75%	to	$750.00		 21% and	pending	only	in	that	court.	The	arbitrator�s	authority	to	resolve	Claims	is	limited	to	Claims	between	
            returned or exchanged.                                                                                to	the	nearest	$5.00	increment.	However,	if	the	promotion	speci?es	a	minimum	purchase	amount,	in	no	 and whether you can limit this sharing.
                                          and	�your�	refer	to	any	person	who	signs	the	Application	for	this	Account	or	this	Agreement,	or	has	 	 1.5%	over	$750.00		 18% case	will	the	minimum	payment	be	less	than	the	minimum	purchase	amount	divided	by	the	promotional	 you	 and	 us	 alone,	 and	 the	 arbitrator�s	 authority	 to	 make	 awards	 or	 decisions	 is	 limited	 to	 you	 and	 us	
                                          requested	and	is	issued	a		credit	card	on	this	Account.	�We�	�us�	and	�our�	refer	to	Sterling	Jewelers	
          �  Diamonds backed by our                                           	AR	     1.4167%			      17%        period,	which	may	shorten	your	repayment	period	in	certain	instances.	The	minimum	payment	will	never	 alone.	 Furthermore,	 Claims	 between	 you	and	us	may	not	be	joined	 or	consolidated	 in	arbitration	 with	
                                          Inc.	Sterling	Jewelers	Inc.	does	business	under	each	of	the	brands	listed	on	the	cover	page	of	this	
            Lifetime Diamond Guarantee                                        	CO,	GA,	IN,	MS,	OK,	               be	more	than	the	remaining	promotional	purchase	balance.	If	the	promotion	states	that	there	is	no	separate	 Claims	brought	by	or	against	someone	other	than	you,	unless	otherwise	agreed	to	in	writing	by	all	parties.	
                                          Agreement,	and	these	brands	make	up	the	�Sterling	Family	of	Jewelers � .�	The	brand	applicable	to	your	 1.75%			 21%
                                                                              	TN,	TX,	VT,	WY                     promotional	minimum	payment,	then	the	amount	of	the	promotional	balance	will	be	included	in	your	regular	 However,	 applicants,	 co-applicants,	 authorized	 users	 on	 a	 single	 Account,	 or	 corporate	 af?liates	 are	
                                                                                                                                                                                                                               Does Sterling Family of  Can you limit  
          �  Extended Service Plan is available to protect  Account	is	shown	on	your	application.	It	is	also	shown	on	the	front	of	your	card.	�Account�	means	the	 balance	for	the	purpose	of	calculating	your	minimum	payment. considered	one	person	for	the	purposes	of	this	paragraph.	No	arbitration	award	will	have	any	preclusive	 Reasons we can share your personal information
                                                                              	DC,	MD	 2.0%			         24%                                                                                                                            �
                                                                                                                                                       effect	as	to	issues	or	claims	in	any	dispute	involving	anyone	who	is	not	a	party	to	the	arbitration.	This	 Jewelers  share? this sharing?
            your jewelry from future repair costs Account	that	will	be	established	and	governed	by	this	Agreement.	�Authorized	User�	means	any	person	 Reduced	Rate	Plans.	If	any	single	purchase	is	designated	as	purchased	under	a	reduced	rate	plan,	we	will	
                                                                              	HI,	MA,	MN,	NC	 1.5%			 18%
                                          you	permit	to	use	your	Account	or	who	has	apparent	authority	to	do	so.	�Card�	means	any	access	 calculate	the	Interest	for	the	promotional	balance	by	using	an	APR	that	is	less	than	your	Regular	APR	(the	 arbitration	provision	is	made	pursuant	to	a	transaction	involving	interstate	commerce	and	will	be	governed	
          �  Payment Protection Plan is available to                          	 	      1.75%	to	$499.99		 21%                                          by	the	Federal	Arbitration	Act	(�FAA�)	(9	U.S.C.	�1,	et	seq.).
                                          device	or	method	by	which	the	Account	may	be	accessed,	including	the	Account	number.	�APR�	means	 NE �Promotional	APR�),	in	lieu	of	the	Regular	APR	during	the	speci?ed	promotional	period	(which	may	be	6	 For our everyday business purposes �  	
            let you buy with peace of mind.                                   	        1.5%	for	$500.00	&	more   18% months,	12	months,	or	some	other	period	speci?ed	by	us).	The	Promotional	APR	will	return	to	your	Regular	 C. If we or you request arbitration of a Claim, we and you will not have the right to litigate the Claim 
                                          Annual	Percentage	Rate.	�Interest�	and	�Interest	Charges�	mean	the	periodic	?nance	charges	that	are	                                              such as to process your transactions, maintain your  
            This optional plan protects your credit  calculated	pursuant	to	Paragraph	5. 	All	other	states		 2.0825%			 24.99% APR	at	the	expiration	of	the	promotional	period	or	if	we	do	not	receive	a	required	minimum	payment	within	 in court. This means (1) there will be no jury trial on the Claim, (2) there will be no pre-arbitration 
                                                                                                                                                       discovery except as the Administrator�s rules permit, and (3) no Claim may be arbitrated on a class-
            and your purchases. See the Payment                                                                   60	days	of	its	due	date.	See	Paragraph	3	for	details.	Unless	the	promotion	states	that	there	is	no	separate	 account(s), respond to court orders and legal  
                                           1. Promise to Pay:	You	promise	to	pay	us	for	all	credit	extended	on	this	Account	and	all	other	amounts	 4. How to Avoid Paying Interest on Purchases:	Your	due	date	is	at	least	25	days	after	the	close	of	each	 action, private attorney general, or other representative basis, and neither we nor you will have the   YES NO
            Protection brochure for details.                                                                      promotional	minimum	payment,	the	required	minimum	payment	for	the	promotional	balance	will	be	the	
                                          owed	to	us	under	the	terms	of	this	Agreement.	You	are	responsible	for	any	transactions	you	make	or	 billing	cycle.	We	will	not	charge	you	interest	in	any	billing	cycle	in	which	payments	received	(and	if	required	 investigations, or report to credit bureaus
                                                                                                                  promotional	balance	divided	by	the	number	of	months	in	the	promotional	period,	multiplied	by	a	factor	based	 right to participate as a representative or member of any class or group of claimants pertaining to 
                                          otherwise	incur	and	any	transactions	incurred	by	anyone	else	you	have	authorized	to	use	this	Account.	 by	law,	credits	issued)	by	the	due	date	equal	or	exceed	the	�Balance	Payable	To	Avoid	Further	Interest�	
                                                                                                                  on	the	applicable	Reduced	APR,	and	rounded	up	to	the	nearest	$5.00	increment	or	$25.00,	whichever	is	 any Claim subject to arbitration. We or you may elect to arbitrate any Claim at any time unless it 
                                          You	are	also	responsible	for	the	use	of	each	Card	issued	on	this	Account.	You	may	request	additional	 shown	on	your	billing	statement.	The	�Balance	Payable	To	Avoid	Further	Interest	Charges�	shown	on	your	 greater.	For	example,	if	the	promotion	has	an	interest	rate	of	10.99%	and	the	plan	is	for	24	months,	the	 has been ?led in court and trial has begun or ?nal judgment has been entered.
                                                                                                                                                                                            For our marketing purposes �  
                                          Cards	on	this	Account	for	yourself	or	others,	and	you	may	permit	an	Authorized	User	to	have	access	 billing	statement	is	your	New	Balance	less	any	portion	of	a	promotional	balance	for	which	payment	is	not	 required	minimum	payment	is	determined	as	follows:	1/24th	of	the	purchase	price	(less	any	down	payment)	 D.	The	party	initiating	an	arbitration	shall	select	an	Administrator	from	the	organizations	listed	above.	If	
                                          to	the	Card	or	Account	number.	However,	if	you	do	so,	you	must	pay	us	for	all	charges	made	by	those	 required	to	avoid	the	imposition	of	Interest	in	a	billing	cycle. multiplied	by	1.1185	and	rounded	up	to	the	nearest	$5.00	(or	$25.00,	whichever	is	greater).	The	minimum	 none	of	the	Administrators	listed	above	will	accept	the	arbitration,	the	arbitration	will	be	administered	by	 to offer our products and services to you  YES  NO
                                          persons.	See	Paragraph	23	for	details.	When	you	sign	the	Application	for	this	Account,	you	will	be	 5. Calculation of Interest:	In	all	states	except	MN	and	NM,	we	calculate	Interest	Charges	using	the	 payment	will	never	be	more	than	the	remaining	promotional	purchase	balance.		However,	if	the	promotion	 an	administrator,	or	adjudicated	by	an	arbitrator,	upon	which	you	and	we	agree	in	writing.	The	arbitration	
            Sterling Jewelers Gold Exchange!
                                          agreeing	to	everything	written	here.	Therefore,	before	you	sign	the	Application,	you	should	read	this	 average	 daily	 balance	 method	 (including	 current	 transactions).	 In	 MN	 and	 NM,	 we	 calculate	 Interest	 speci?es	a	minimum	purchase	amount,	in	no	case	will	the	minimum	payment	be	less	than	the	minimum	 shall	be	governed	by	the	procedures	and	rules	of	the	Administrator	and	this	Agreement,	which	need	not	
             Exchange your gold for cash.                                     Charges	using	the	average	daily	balance	method	(excluding	current	transactions).	We	calculate	interest	 purchase	amount	divided	by	the	promotional	period,	which	may	shorten	your	repayment	period	in	certain	 apply	federal,	state	or	local	rules	of	procedure	and	evidence.	The	Administrator�s	procedures	and	rules	 For joint marketing with other ?nancial  
                                          entire	Agreement.	The	information	you	provide	on	the	Application	that	identi?es	you	is	incorporated	in	                                                                             NO               We don�t share.
                                          this	Agreement	by	reference.	This	Agreement	will	not	be	effective	unless	and	until	we	approve	your	 separately	for	each	balance	on	your	Account	subject	to	different	terms	(including	APR	and	duration).	We	 instances.	The	minimum	payment	will	never	be	more	than	the	remaining	promotional	purchase	balance. may	limit	the	discovery	available	to	you	or	us.	You	can	obtain	a	copy	of	an	Administrator�s	procedures	 companies
               Quick � Safe � Secure
                                                                              ?gure	the	Interest	Charges	by	applying	the	applicable	monthly	periodic	rate	to	the	�average	daily	balance�	 Eighteen	(18)	Month	Plan.	If	any	single	purchase	is	designated	as	purchased	under	the	�Eighteen	Month	 and	rules	by	contacting	the	Administrator.	A	single,	neutral	arbitrator	will	resolve	Claims.	The	arbitrator	will	
                                          Application.	
         Visit sterlingjewelersgoldexchange.com for details.                  for	that	balance.	To	get	the	average	daily	balance	for	a	balance,	we	take	the	beginning	balance	each	day,	 Plan�,	no	Interest	will	be	imposed	on	the	promotional	purchase	for	the	?rst	twelve	(12)	months	if	you	make	 be	either	a	lawyer	with	at	least	ten	years	experience	or	a	retired	or	former	judge,	selected	in	accordance	
                                          2. Balances:	 Each	 transaction	 or	 group	 of	 transactions	 subject	 to	 the	 same	 terms	 (such	 as	 the	
                                                                              add	any	new	transactions	(except	we	do	not	add	in	any	new	transactions	in	MN	and	NM);	subtract	any	 all	required	minimum	payments	by	the	end	of	the	12th	month.	If	we	do	not	receive	all	required	minimum	 with	the	rules	of	the	Administrator.	In	the	event	of	any	con?ict	or	inconsistency	between	this	arbitration	 For our af?liates� everyday business purposes � 
                                          applicable	 APR	 and	 duration)	 shall	 be	 considered	 part	 of	 the	 same	 balance.	 The	 balance	 subject	                                                                       NO               We don�t share.
                                                                              payments	or	credits	and	any	Late	Payment	Fees,	any	Returned	Payment	Fees,	and/or	unpaid	Interest	 payments	by	the	end	of	the	12th	month,	or	if	we	do	not	receive	a	required	minimum	payment	within	60	days	 provision	and	the	Administrator�s	rules	or	other	provisions	of	this	Agreement,	this	arbitration	provision	 information about your transactions and experiences
                                          to	the	Regular	APR	and	the	other	regular	terms	set	forth	in	this	Agreement	is	your	Account�s	regular	        will	govern.	The	arbitrator	will	take	reasonable	steps	to	protect	customer	account	information	and	other	
                                                                              Charges;	and	make	other	adjustments.	This	gives	us	the	daily	balance.	Then,	we	add	up	all	the	daily	 of	its	due	date,	Interest	will	be	charged	to	your	account	at	the	Regular	APR	from	the	promotional	purchase	
                                          balance.	We	calculate	your	total	regular	balance	each	billing	cycle	by	taking	the	regular	balance	for	       con?dential	information	if	requested	to	do	so	by	you	or	us.	Arbitration	hearings	for	Claims	by	or	against	you	
                                                                              balances	for	the	billing	cycle	and	divide	the	total	by	the	number	of	days	in	the	billing	cycle.	This	gives	 date.	After	the	?rst	twelve	(12)	months,	we	will	use	the	speci?ed	reduced	APR	(the	�Promotional	APR�),	in	
                                          the	prior	billing	cycle,	adding	any	regular	purchases,	fees,	Interest	Charges,	other	?nance	charges,	 lieu	of	the	Regular	APR,	to	calculate	Interest	for	the	next	six	(6)	months.	The	Promotional	APR	will	return	 will	take	place	in	the	federal	judicial	district	in	which	you	reside.	If	you	make	a	request	to	us	in	writing,	we	 For our af?liates� everyday business purposes � 
                                                                              us	the	average	daily	balance.	Any	negative	daily	balance	will	be	treated	as	zero.	If	Interest	Charges	are	
      The Sterling Family of Jewelers �  � sterlingjewelers.com and	other	debits,	and	subtracting	any	payments	or	other	credits,	as	of	the	closing	date	for	that	billing	 to	your	Regular	APR	at	the	expiration	of	the	six	month	period	or	if	we	do	not	receive	a	required	minimum	 will	temporarily	advance	to	you	the	?ling,	administrative,	and	hearing	fees	for	the	arbitration	of	your	Claim	  NO  We don�t share.
                                                                              imposed	and	the	total	Interest	that	results	from	application	of	the	above	calculation	to	each	balance	is	less	 information about your creditworthiness
                                          cycle.	Balances	subject	to	promotional	terms	are	promotional	balances.	We	calculate	the	total	of	any	 than	$1.00,	we	will	impose	a	minimum	Interest	Charge	of	$1.00	(which	is	a	FINANCE CHARGE);	except	in	 payment	within	60	days	of	its	due	date.	See	Paragraph	3	for	details.The	required	minimum	payment	for	 against	us	(but	not	if	the	Claim	is	against	you)	in	excess	of	any	?ling	fee	you	would	have	been	required	to	
          J.B. Robinson Jewelers, Marks & Morgan Jewelers, 
                                          promotional	balance	by	adding	the	promotional	purchase	for	that	balance	and	subtracting	any	payments	        pay	to	?le	the	Claim	in	a	state	or	federal	court	(whichever	is	less)	in	the	judicial	district	in	which	you	reside.	
         Shaw�s Jewelers, Belden Jewelers, Osterman Jewelers,                 MI,	MO,	NY,	TN,	and	TX,	where	we	will	impose	a	minimum	Interest	Charge	of	$0.70	(which	is	a	FINANCE  the	promotional	balance	will	be	1/18th	of	the	promotional	purchase	multiplied	by	1.030	and	rounded	up	
                                                                                                                                                       At	the	end	of	the	arbitration,	the	arbitrator	will	decide	if	you	have	to	repay	the	advance	(and	if	you	do	have	
                                          allocated	to	that	promotional	balance	or	other	credits.	You	authorize	us	to	allocate	any	payment	or	 CHARGE);	and	in	AL,	AZ,	CO,	IN,	LA,	ME,	MA,	MN,	MS,	MT,	NJ,	OK,	PA,	SC,	SD,	VT,	WV,	and	WY,	 to	the	nearest	$5.00,	but	not	less	than	$150.00	or	not	less	than	$250.00,	based	on	the	terms	of	the	offer.	 For our nonaf?liates to market to you  NO  We don�t share.
         Weis?eld Jewelers, LeRoy�s Jewelers, Rogers Jewelers                                                                                          to	repay,	you	agree	to	do	so).	Unless	applicable	law	requires	otherwise,	we	will	pay	our,	and	you	will	pay	
                                          credit	among	your	regular	and	promotional	balances,	in	any	manner,	including	in	a	manner	that	may	be	 where	we	will	impose	a	minimum	Interest	Charge	of	$0.50	(which	is	a	FINANCE CHARGE).	Furthermore,	 8. Payments:	All	payments	must	be	mailed	or	delivered	to	us	at	the	address	shown	on	the	front	of	the	
                and Goodman Jewelers.                                                                             billing	statement	and	accompanied	by	the	payment	slip.	You	must	pay	us	in	U.S.	dollars	drawn	on	funds	 your,	lawyers�,	experts�,	and	witnesses�	fees.	The	arbitrator	will	apply	applicable	substantive	law	consistent	
                                          bene?cial	to	us,	except	where	otherwise	prohibited	by	applicable	law.	The	total	of	your	regular	balance	 there	is	no	minimum	Interest	Charge	in	AR,	DC,	IA,	MD,	NE,	NM,	NC,	and	RI.	You	authorize	us	to	round	
                                                                                                                  on	deposit	in	the	United	States	using	a	check	or	similar	instrument	that	will	be	processed	and	honored	by	 with	the	FAA	and	applicable	statutes	of	limitations,	will	honor	claims	of	privilege	recognized	at	law,	and	
                                          and	any	promotional	balance	is	the	�New	Balance�	shown	on	your	statement.	 any	calculation	used	to	determine	Interest	Charges,	including	rounding	that	may	cause	minor	variations	
                                                                                                                  your	bank.	Do	not	send	cash	payments.	We	can	accept	late	or	partial	payments,	as	well	as	payments	that	 will	have	the	power	to	award	to	a	party	any	damages	or	other	relief	provided	for	under	applicable	law.	 Questions? Visit www.sterlingjewelers.com
                                          3. Your Regular Annual Percentage Rate:	If	Interest	Charges	(which	are	FINANCE CHARGES)	are	 in	our	favor.	The	applicable	monthly	periodic	rate	for	a	balance	is	the	applicable	Annual	Percentage	Rate	
                                                                                                                  re?ect	�paid	in	full�	or	other	restrictive	endorsements,	without	losing	any	of	our	rights	under	this	Agreement.	 The	arbitrator	will	make	any	award	in	writing	and,	if	requested	by	you	or	us,	will	provide	a	brief	statement	
                                          assessed	during	a	billing	cycle,	we	will	use	the	following	Annual	Percentage	Rate	(the	�Regular	APR�)	 divided	by	twelve	(12),	and	rounded	to	the	fourth	decimal	place.	
                                                                                                                  We	credit	your	payments	in	accordance	with	our	payment	instructions	on	the	billing	statement. of	the	reasons	for	the	award.
                                                                              6. Minimum Payment:	You	agree	to	pay	at	least	the	�Minimum	Payment�	shown	on	your	billing	statement	         Page	1
                                          and	corresponding	monthly	periodic	rate,	subject	to	any	promotional	terms:
     Regional.indd   1                                                                                                                                                                                                                                  11/17/15   1:51 PM
                                                                           E. Judgment upon the arbitrator�s award may be entered in any court with jurisdiction. The arbitrator�s    State  Maximum Late Payment Fee in this application, in any of the ways described above, with advertisements and telemarketing messages  Your Billing Rights: Keep this Document for Future Use 
                                                                           decision regarding any claims will be ?nal and binding, except for any appeal right under FAA. The    RI  $12.00 regarding products and services that we believe may be of interest to you. You understand that your  This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
                                                                           appealing party will pay the appeal costs. This agreement to arbitrate shall survive any suspension,  consent to telemarketing contacts is not a condition of purchasing any property, goods, or services. To opt 
       What we do                                                                                                 SC  5% of amount past due, but not more than $18.00 and not less      What To Do If You Find A Mistake On Your Statement 
                                                                           termination, revocation or closure of the Agreement or your Account, and any bankruptcy to the extent  out of these contacts, you may call Customer Service at 1-800-877-3616 or 1-330-668-5000, Ext. 6867.
                                                                                                                             than $7.20                                                 If you think there is an error on your statement, write to us at: 
                                                                           consistent with applicable bankruptcy law.                               19. Governing Law: This Agreement and your Account and any claim, dispute, or controversy arising from 
                                                                                                                  UT         Greater of 5% of amount past due or $30.00 (but not to exceed $37.00) or relating to this Agreement or your Account are governed, to the extent applicable, by U.S. federal law and    Sterling Jewelers Inc.
                                  To protect your personal information from unauthorized access  F. If any part of this arbitration provision cannot be enforced, the rest of the arbitration provision will continue 
                                                                                                                 VA          5% of amount of installment (but not to exceed $37.00)
                                                                           to apply. However, an arbitrator cannot enlarge his or her authority over the adjudication of Claims beyond  the law of the state of your billing address when this Account was opened or, for non-U.S. residents, the law    P.O. Box 3680
       How does Sterling Family of  and use, we use security measures that comply with federal law. 
                                                                           that provided by this arbitration provision by enforcing only part of this arbitration provision. If an arbitrator    WA  $37.00 (except 10% of the average daily balance for prior   of the state where the Account was opened (without regard to con?icts of laws principles), unless we receive    Akron, OH 44309-3680
             �
       Jewelers  protect my personal   These measures include computer safeguards and secured ?les and  determines that applicable law requires this arbitration provision to be enforced in a way that would result  30-day period, but not less than $2.00, if the balance is less  written notice that you have moved to another U.S. state pursuant to Paragraph 20. If we receive notice  In your letter, give us the following information: 
                                                                           in greater authority over Claims than otherwise allowed, such as the adjudication of claims on a class or  than $100.00) of a change in your billing address, except for any Annual Percentage Rate (and corresponding monthly    � Account information: Your name and account number. 
       information?               buildings.
                                                                           representative basis, then the arbitrator must decline to hear the dispute and shall refer the parties to a court   WV  5% of amount past due, but not to exceed $30.00 periodic rate) applicable to any outstanding balance, the terms applicable to the state of your new billing 
                                                                                                                                                                                           � Dollar amount: The dollar amount of the suspected error. 
                                                                           or other body with suf?cient authority. In the event of any con?ict or inconsistency between this arbitration  We will add any Late Payment Fee to your Account�s regular balance. address will apply to all balances on your Account after we receive written notice of your new address. Any 
                                                                                                                                                    Annual Percentage Rate (and corresponding monthly periodic rate) applicable to a balance outstanding    � Description of problem: If you think there is an error on your bill, describe what you believe 
                                  We collect your personal information, for example, when you provision and the Administrator�s rules or other provisions of this Agreement, this arbitration provision will govern.  12. Security Interest: You grant us a purchase money security interest in each item of merchandise 
                                                                                                                                                    prior to noti?cation of a change in billing address will continue to apply to such balance until it is paid off.     is wrong and why you believe it is a mistake.  The Sterling Family of Jewelers
                                                                           11. Fees:                           purchased on your Account to secure its unpaid purchase price (except in CT, MO (on any purchase 
                                                                           A. Returned Payment Fee: If any check, instrument, or electronic authorization used to pay us is not         You must contact us: 
       How does Sterling Family of                                                                             under $150.00), and NY (on any purchase under $200.00)) until such item of merchandise is paid for in full  20. Change of Address or Other Contact Information: You agree to notify us promptly in writing of any 
             �                    �    open an account or give us your contact information honored upon ?rst presentment, (for residents of MD, second presentment), even if the check, instrument or  (in NY, not to exceed ?ve (5) years from date the purchase is posted to your Account). Solely for the purpose  changes to your billing address, phone number, email address, and other contact information. Until we receive    � Within 60 days after the error appeared on your statement. 
       Jewelers  collect my personal                                       electronic authorization is later honored, we may charge you a Returned Payment Fee. Except as set forth  of determining the extent of our purchase money security interest in each such item of merchandise, your  written notice of your new billing address or email address, if you have elected to receive notices electronically,    � At least 3 business days before an automated payment is scheduled, if you want to stop payment
                                  �    pay your bills or apply for a loan  for speci?ed states below, this fee is up to $37.00. The fee charged generally will be the highest amount  payments will be allocated ?rst to any unpaid insurance premium, next to any unpaid Late Payment Fees,  we will continue to send billing statements and other notices to the address we have on ?le for your Account. 
       information?                                                                                                                                                                          on the amount you think is wrong. 
                                                                           permitted by law, subject to the speci?ed maximum. This means that the fee generally will not exceed  any unpaid Returned Payment Fees, any unpaid Interest, and any other unpaid fees or charges, then to  Subject to Paragraph 19, we deem you to reside at the billing address we have on ?le for the purpose of 
                                  �    use your credit or debit card                                                                                                                    You must notify us of any potential errors in writing. You may call us, but if you do we are not required to 
                                                                           the amount of the required minimum payment due immediately prior to the date on which the payment  pay off each purchase in the order in which the purchase was made. applying terms that vary with your state of residence.
                                                                           is returned. In addition, the ?rst time you make a payment that is returned, the fee will not exceed $27.00  13. Default/Collection Costs: If you fail to pay any minimum payment when due, or if the prospect of  21. Assignment: We may sell, transfer, or assign our rights or obligations under this Agreement without  investigate any potential errors and you may have to pay the amount in question. 
                                                                                                               payment, performance, or realization of collateral is signi?cantly impaired, to the extent permitted by  prior notice to you. You may not sell, transfer, or assign your rights or obligations under this Agreement  What Will Happen After We Receive Your Letter 
                                  We also collect your personal information from others, such as credit  (except in LA, $26.00). If you make another payment that is returned during the next six billing cycles, the 
                                                                                                                                                    or your Account.
                                                                           fee will not exceed $37.00.         applicable law it will be a default, and, subject to any right you may have under state law to receive notice of  When we receive your letter, we must do two things: 
                                  bureaus, af?liates, or other companies.                                      and to cure such default, we may declare the entire unpaid balance on the Account due and payable (except  22. Liability for Unauthorized Use: You agree to notify us promptly if your Card is lost or stolen, or of    1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also
                                                                            State           Maximum Returned Payment Fee in WI you will not be in default until you fail to make a minimum payment on two occasions within a twelve  the unauthorized use of your Card, by writing to us at Sterling Jewelers Inc., P.O. Box 3680, Akron, OH       tell you if we have already corrected the error. 
                                                                            AL, HI, KS, MN, MT, SC, TN, TX  $30.00 (12) month period). We also may repossess any article of merchandise in which we still retain a security  44309-3680 or by calling us at 1-800-877-3616. If you orally give us notice, you agree to con?rm in writing. 
                                                                                                                                                                                           2. Within 90 days of receiving your letter, we must either correct the error or explain to you why 
                                  Federal law gives you the right to limit only  AZ, AR, CO, IL, IN, MI, NV, NC, OK,   $25.00 interest, but we will do so only in the manner and to the extent permitted by applicable law. If the Account  You may be liable for unauthorized use of your Card prior to your noti?cation of us. You will not be liable 
                                                                                                                                                    for unauthorized use that occurs after you notify us of the loss, theft, or unauthorized use and, in any case,       we believe the bill is correct. 
                                                                            RI, WV                             is referred to an attorney who is not our salaried employee and we bring a suit against you to collect the 
                                                                                                                                                    your liability will not exceed $50.00. While we investigate whether or not there has been an error:
                                  �     sharing for af?liates� everyday business purposes � information   CA, MD, MO  $15.00 amount you owe, in addition to the full amount owed and any court costs, you agree to pay our reasonable 
       Why can�t I limit all sharing?                                                                          attorney�s fees to the extent permitted by applicable law. Notice to New Hampshire Residents: We will  23. Authorized Users: You may request additional Cards on your Account, and you may permit an    � We cannot try to collect the amount in question, or report you as delinquent on that amount. 
                                                                            CT, ID, IA, NJ, NY, UT  $20.00
                                    about your creditworthiness                                                                                     Authorized User to have access to a Card. However, if you do, you are responsible for all charges made by    � The charge in question may remain on your statement, and we may continue to charge you 
                                                                            FL              Greater of 5% of amount of payment or $25.00 pay your reasonable attorney�s fees if you prevail in a suit we bring against you or if you prevail in a suit 
                                                                                            (max. $37.00)      you bring against us under this Agreement. If you successfully assert a partial defense or counterclaim, the  the Authorized User, including charges for which you may not have intended to be responsible. You must     interest on that amount. 
                                  �    af?liates from using your information to market to you                  court may withhold part or all of any attorney�s fees to which we may be entitled. notify us to revoke an Authorized User�s permission to use your Account. If you do so, we may close the 
                                                                            GA              Greater of 5% of amount of payment or $30.00                                                   � While you do not have to pay the amount in question, you are responsible for the remainder 
                                                                                                               14. Down Payments, Limiting Your Credit, or Closing Your Account: You have the right to close your  Account and issue a new Card or Cards with a different Account number.
                                  �    sharing for nonaf?liates to market to you            (max. $37.00)                                                                                  of your balance. 
                                                                                                               Account at any time, for any reason. You will still be liable for any balances owed. We may limit or terminate  Notice to District of Columbia Residents: A ?nancial bene?t inures to the seller by way of commission or 
                                                                            OR              $35.00                                                  rebate resulting from your purchase of Credit Insurance coverage on this Account.    � We can apply any unpaid amount against your credit limit. 
                                                                                                               the use of your Account and/or raise or lower your credit limit at any time and for any reason without advance 
                                                                            DC, DE, MA, MS, NE, NM, PA, VT, WY  None notice to you. On some transactions, we may require a down payment. Some purchases will require our  Notice to Florida Residents: The Annual Percentage Rates shown above are authorized by Chapter 655  After we ?nish our investigation, one of two things will happen:
                                  State laws and individual companies may give you additional rights 
                                                                                                               prior authorization, in which case you may be asked to provide identi?cation. If our authorization system is  of the Florida Statutes.   � If we made a mistake: You will not have to pay the amount in question or any interest or other 
                                  to limit sharing. [See below for more on your rights under state law.] We will add any Returned Payment Fee to your Account�s regular balance.  not working, we may not be able to authorize a transaction, even if you have suf?cient available credit. We  Notice to Maryland Residents: This Account is governed by Subtitle 9, Title 12 of the Maryland     fees related to that amount. 
                                                                           B. Late Payment Fee: If we do not receive your minimum payment by its due date (or within seven (7)  will not be liable to you if this happens. We are not responsible for the refusal of anyone to accept or honor  Commercial Law Article.
                                                                                                                                                                                           � If we do not believe there was a mistake: You will have to pay the amount in question, along 
                                                                           days in VA; within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN, KS, KY, MI, MN, MO, MT, NE,  a Card associated with this Account. All Cards we issue remain our property and, if requested, you agree to  Notice to Michigan Residents: The seller retains a security interest in the    with applicable interest and fees. We will send you a statement of the amount you owe and the 
                                                                           NJ, NY, OK, SC, WV, and WY; within ?fteen (15) days in CA, ME, and MA; within twenty-one (21) days in  return any Card issued to you. Your credit limit with us may be reduced by the amount of credit purchases you 
       De?nitions                                                                                                                                   subject matter of this Agreement.
                                                                           TX; within thirty (30) days in NC; and within forty (40) days in RI), we will impose a Late Payment Fee. The     date payment is due. We may then report you as delinquent if you do not pay the amount we
                                                                                                               make at our related brand jewelers. We may, at our discretion, permit you to make a purchase in excess of  Notice to Pennsylvania Residents: This is a Security Agreement.
                                                                           maximum fee is set forth below. The fee charged generally will be the highest amount permitted by law. This  your stated credit limit. If we do so, this will not permanently increase your credit limit. To request the names     think you owe. 
                                                                           means that the fee generally will not exceed the amount of the required minimum payment due immediately  Notice to Texas Residents: The Regular APR shown above is authorized by the Optional Rate Ceiling that 
                                                                                                               of our related brand jewelers, please call our Credit Customer Service Department at 1-800-877-3616 or  If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling 
                                  Companies related by common ownership or control. They can be                                                     is in effect under Tex. Fin. Code Ann. � 303.009. To contact Sterling Jewelers Inc. about this Account, call 
        Af?liates                                                          prior to the assessment of the fee. In addition, the ?rst time you pay late, the fee will not exceed $27.00  1-330-668-5000, Ext. 6867.  us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that 
                                  ?nancial and non?nancial companies.      (except in LA, $26.00). If you pay late again during the next six billing cycles, the fee will not exceed $37.00.   1-800-877-3616. This contract is subject in whole or in part to Texas law which is enforced by the Consumer 
                                                                                                               15. Change in This Agreement: To the extent permitted by law, we may change any term of this  Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX 78705-4207; (800) 538-1579; www.occc. you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, 
                                                                                                               Agreement, including any Annual Percentage Rate or fee, as well as add and/or subtract terms. We 
                                                                             State      Maximum Late Payment Fee                                    state.tx.us; and can be contacted relative to any inquiries or complaints.  and we must let those organizations know when the matter has been settled between us.
                                                                                                               will furnish you notice of the change to the extent required by law. If permitted by applicable law, 
                                  �    Sterling Family of Jewelers �  does not share with af?liates.   AR  $35.00 (except $29.00 if the outstanding balance is $249.99
                                                                                                               any new terms may at our option be applied to any balance existing on the Account at the time of  NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE  If we do not follow all of the rules above, you do not have to pay the ?rst $50.00 of the amount you question 
                                                                                        or less)
                                                                                                               change, as well as to any subsequent transactions. DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE  even if your bill is correct. 
                                                                             AK, CT, HI, LA, MD, MI, MN, MS, NV,  $37.00 (except $29.00 if the outstanding balance is $249.99
                                                                                                               16. Credit Investigation: You authorize us to investigate your credit history by obtaining consumer reports  PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR  Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
        Nonaf?liates              Companies not related by common ownership or control. They can be    NH, NY, ND, OH, OR, PA, SD, WI  or less) and by making direct inquiries of businesses where you have accounts and where you work. We may  HEREUNDER.  If you are dissatis?ed with the goods or services that you have purchased with your credit card, and you 
                                                                                        5% of amount past due but not more than $37.00 and request a consumer report from consumer reporting agencies in considering your application for this  NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF 
                                  ?nancial and non?nancial companies.       AL                                                                                                          have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
                                                                                        not less than $18.00   Account or any other account you have with us and later in connection with an update, renewal, extension  IT CONTAINS ANY BLANK SPACES. 2. YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS CREDIT AGREEMENT. 
                                                                                                                                                                                        remaining amount due on the purchase. 
                                                                             AZ, KS     $10.00 (except $5.00 if the minimum payment is $5.00 to $25.00) of credit or collection of the Account or any other account you have with us. Upon your request we will  3. YOU MAY AT ANY TIME PAY THE TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT WITHOUT INCURRING 
                                                                                                                                                                                        To use this right, all of the following must be true:
                                  �     Sterling Family of Jewelers �  does not share with nonaf?liates     CA, CO, DC, IA  $15.00 disclose whether a consumer report was requested and the name and address of any consumer reporting  ANY ADDITIONAL CHARGE. 4. KEEP THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5. YOU MAY UNDER CERTAIN 
                                                                                                                                                                                           1. The purchase must have been made in your home state or within 100 miles of your current
                                                                             DE, NM, TN, VT  None              agency that furnished the report. We may report information about your Account to credit bureaus.  CIRCUMSTANCES REDEEM THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR DEFAULT, AND YOU MAY, UNDER CERTAIN 
                                    so they can market to you.               FL, MT, NJ, TX  $10.00                                                 CONDITIONS, REQUIRE A RESALE OF THE PROPERTY REPOSSESSED. 6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER       mailing address, and the purchase price must have been more than $50.00. (Note: Neither of
                                                                                                               Late payments, missed payments, or other defaults on your Account may be re?ected on your credit 
                                                                             GA         $25.00                 report. If you believe that we have reported inaccurate information to a consumer reporting agency, write  YOUR PREMISES OR COMMIT ANY BREACH OF THE PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS AGREEMENT.       these are necessary if your purchase was based on an advertisement we mailed to you, or if
                                                                                        Greater of 5% of amount past due or $15.00 (but not to  to us at the Customer Service address listed on your billing statement and we will investigate the matter. ADDITIONAL NOTICE FOR MASSACHUSETTS AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A PURCHASE UNDER THIS       we own or operate the company that sold you the goods or services.) 
        Joint marketing                                                     ID
                                                                                        exceed $37.00)         17. No Waiver by Us: We may, without notice to you, delay or refrain from enforcing our rights under this  AGREEMENT IF IT HAS BEEN SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN THE ADDRESS OF THE SELLER, WHICH    2. You must have used your credit card for the purchase. Purchases made with cash advances 
                                  A formal agreement between nonaf?liated ?nancial companies that 
                                                                             IL, KY, WY  Greater of 5% of amount past due or $10.00 (but not to  Agreement without losing them (e.g., we may extend the time to make some payments without extending  MAY BE HIS MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR 
                                                                                                                                                                                               from an ATM or with a check that accesses your credit card account do not qualify. 
                                  together market ?nancial products or services to you.                        the time to make other payments, accept late or partial payments without waiving our right to have future  BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF THE THIRD 
                                                                                        exceed $37.00)                                                                                     3. You must not yet have fully paid for the purchase. 
                                                                                                                                                    BUSINESS DAY FOLLOWING A PURCHASE UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT.
                                                                             IN  $18.50                        payments made when they are due, and/or waive any charge or fee without losing our right to impose that 
                                                                                                                                                                                        If all of the criteria above are met and you are still dissatis?ed with the purchase, contact us in writing at 
                                  �    Sterling Family of Jewelers �  does not joint market.                   charge or fee when it is due under this Agreement).  YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL INSTALLMENT CREDIT AGREEMENT.
                                                                                                               18. Telephone and Text Contacts, Monitoring and Recording: You agree that your calls with us may  the address listed above.
                                                                             ME         Lesser of 5% of amount past due or $10.00
                                                                                                               be monitored and/or recorded and that we (or anyone acting on our behalf) may contact you from time to   Buyer   Signature While we investigate, the same rules apply to the disputed amount as discussed above. After we ?nish our 
                                                                             MA         Lesser of 10% of outstanding balance or $10.00
                                                                                                               time regarding your Account (including for collections purposes). You further agree that all of our contacts  investigation, we will tell you of our decision. At that point, if we think you owe an amount and you do not  sterlingjewelers.com
       Other important information                                           MO         $10.00 (except $5.00 if the minimum payment is $5.00 to $24.99)
                                                                                                               with you may be made via email, text messages or with an automated dialing and announcing or similar   Co-Buyer   Signature
                                                                                        Greater of 5% of amount past due or $5.00 (but not to                                           pay, we may report you as delinquent. 
                                                                                                               device and/or an arti?cial voice or prerecorded message. You also agree that we may contact you at any               375 Ghent Road
                                                                            NE
                                                                                        exceed $37.00)
       If you reside in CA or VT, we do not share information to market to you pursuant to joint marketing agreements. telephone number you provide to us, whether a residential or business number, even if that number is a   Seller-Creditor Akron, OH 44333
                                                                             NC         $10.00 (except $5.00 if the outstanding balance is under $100.00) wireless, cellular or mobile number; is converted to a mobile/wireless number; or connects to any type of  Mario P. Weiss, Senior Vice President Credit Operations,
                                                                             OK         The greater of 5% of the unpaid amount of the installment or                                                                                1-800-877-8169
                                                                                                               mobile/wireless device. You agree that you have an established business relationship with us, that all of our                              C R E D I T  C A R D  T E R M S  &  C O N D I T I O N S
                                                                                                                                                                Sterling Jewelers Inc.
      Page 2                                                                            $24.50 (not to exceed $37.00) contacts with you are not unsolicited, and that we may contact you at the telephone number you provide  P.O. Box 3680, Akron, OH 44309-3680 0300-30F-0000 (R: 12/15)  150991
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