Kay Jewelers Account  
The Bank of Missouri

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

29.99% 

0
-
6
7
B
A
-
3
0
F

How to Avoid Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you any interest on purchases if you pay your entire balance by the due 
date each month. 

For Credit Card Tips from  
the Consumer Financial 
Protection Bureau

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at  
http://www.consumerfinance.gov/learnmore.

JOB SPECS:
Flat Size:
8.25” x 7.5” 

Finished Size: 
8.25” x 3.75” 

Colors: 

Front: Black
Back: None 

Bleed: No 

Note: None 

Fees

Annual Fee

Penalty Fees

• Late Payment 

• Returned Payment 

None 

Up to $40 

Up to $40 

How We Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. 
See your Account Agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Account Agreement. 

JOB SPECS: 
Flat Size: 
8” x 18.625” 

Finished Size: 
8” x 3.75” 

Colors: 

Front: Black 
Back: Black 

Bleed: No 

Note: None 

Kay Jewelers Account Agreement 
The Bank of Missouri 

F03-AB71-6 -0721

Dear Accountholder: 
This Agreement, as defined below, is your contract for your Account and: 
•  Covers the terms that govern the use of your Kay Jewelers Account; 
•  Outlines both your responsibilities and ours; 
•  Includes certain disclosures required by the Federal Truth in 

Lending Act; 

Application of Payments 
For  each  Billing  Cycle,  we  will  allocate  payment  amounts  up  to  your  Monthly  Minimum 
Payment  to  charges  and  principal  due  (including  new  transactions)  in  any  way  we 
determine. We will generally apply payment amounts up to your Monthly Minimum Payment 
in a manner most favorable or convenient for us. 
For each Billing Cycle, to the extent your payments exceed your Monthly Minimum Payment, 
we will apply these excess amounts in the order required by applicable law. 

•  Includes certain disclosures required by the Federal Military 

HOW INTEREST CHARGES ARE DETERMINED 

Lending Act; 

•  Includes an Arbitration of Disputes Provision that will substantially 

affect your rights unless you reject it, and; 

•  Contains important information about your Account. 

We encourage you to read the Agreement and keep it for your records. 
Please  feel  free  to  call  us  with  any  questions  you  may  have.  We  look 
forward to serving you.

This Agreement begins on the earlier of (1) the date we approve your Application, or (2) the 
first date that we extend Credit to you on your Account, as evidenced by a signed sales slip 
or other evidence of indebtedness. 

DEFINITIONS 

To simplify this Agreement for you, the definitions listed below will apply throughout, both 
in this Agreement and in your monthly statements. In addition, the words you, your, and 
yours refer to the Accountholder(s) who hold(s) the Account Number and is responsible for 
the Account, each of whom is individually and jointly obligated under this Agreement. The 
words we, us, and our refer to The Bank of Missouri. 
Account: Kay Jewelers Account for which you were issued an Account Number and that is 
subject to all of the terms and conditions of this Agreement. 
Account  Number:  The  Account  Number  we  issue  that  you  may  use  to  make  Purchases 
from Retailer. Use of your Account Number to obtain Credit will be considered a use of the 
Account. 
Accountholder: The person to whom an Account Number is issued, or who has agreed to 
pay obligations arising from an Account Number issued to another person. 
Agreement: Your contract with us for your Account, which is composed of your Application, 
and the Account opening disclosures and this Account Agreement. Any sales slip or other 
evidence  of  indebtedness  on  your  Account  is  incorporated  into  and  made  part  of  this 
Agreement. 
Application:  The  form  with  information  that  you  submitted  to  apply  for  your  Account, 
including your signature (in any form – wet signed, electronic, or digital), and any acceptance 
certificate or other request that you signed or otherwise submitted to obtain this Account. 
Billing  Cycle:  The  time  interval  covered  by  a  monthly  statement.  Each  Billing  Cycle  is 
approximately 30 days in length. 
Card: Any branded Card we issue that you may use to purchase goods or services from 
Retailer. Use of your Card to obtain Credit will be considered use of the Account. 
Closing Date: The date of the last day of a Billing Cycle. 
Covered Borrower: Certain members of the Armed Forces and their dependents who are 
protected by the Military Lending Act. 
Credit: The credit extension you receive under this Agreement. 
Credit Limit: The maximum amount of Credit available to you on your Account. Your Account 
Credit Limit will be disclosed to you on the monthly statements. 
New Balance: The total outstanding Account balance on the Closing Date specified in your 
monthly statement. 
Previous Balance: The balance of your Account at the beginning of a Billing Cycle. This will 
be the same as the “New Balance” shown on the previous monthly statement. 
Purchase: An extension of Credit to your Account for the purpose of purchasing goods or 
services from Retailer. 
Purchase  Balance:  The  total  outstanding  balance  of  Purchases  and  interest  charges, 
excluding amounts included in the Regular Balance. 
Regular Balance: The total outstanding balance of all amounts other than Purchases and 
interest charges on Purchases. 
Retailer: Participating Kay Jewelers locations in the U.S. 

USING YOUR ACCOUNT 

Purchases 
You  may  use  your  Account  to  purchase  goods  and  services  from  Retailer.  You  promise 
to pay us and are liable for all amounts resulting from the authorized use of your Account 
Number or Account, plus any applicable interest charges and other applicable charges or 
fees, payable in U.S. dollars. 

Required Down Payment 
For each Purchase you make using your Account, you must first make a down payment to 
the Retailer of at least 15% of the Purchase amount (including fees and taxes). You may 
pay the down payment to the Retailer using any form of payment accepted by the Retailer, 
excluding this Account. The remaining Purchase balance, after the down payment, will be 
the amount charged to your Account. 

Your Credit Limit 
You may not use your Account in any way that would cause you to go over your Credit Limit. 
We may refuse to authorize or accept any transaction on your Account if (1) that transaction 
would cause you to exceed your Credit Limit or (2) your Account is delinquent. We may 
temporarily agree to allow you to exceed your Credit Limit. If we do so, in that case, you 
must repay the excess amount according to the terms of this Agreement. Any transactions 
honored in excess of your Credit Limit will not result in an increase of your Credit Limit. 

MAKING PAYMENTS 

Monthly Statements 
We will send a statement at the end of each monthly Billing Cycle if there is a debit or credit 
balance on your Account of $1 or more, a balance on which an interest charge has been 
imposed or as otherwise required by applicable law. You agree to pay us, or any party to 
whom we may transfer and assign your Account or the amounts owing under your Account, 
in U.S. dollars according to all terms and conditions of this Agreement. Payments made by 
a check, money order or other negotiable instrument must be in a form acceptable to us and 
drawn on a U.S. financial institution. 

Monthly Minimum Payment 
The Monthly Minimum Payment is 5% of your New Balance or $30, whichever is greater. If 
you elect not to pay your New Balance in full, you must pay at least the Monthly Minimum 
Payment by the Payment Due Date shown on your Statement, which is at least 25 days 
after the Closing Date of the Billing Cycle. Your Monthly Minimum Payment also will include 
any past due amount. If your New Balance is less than or equal to your Monthly Minimum 
Payment, then your Monthly Minimum Payment will be equal to your New Balance. 
Payments should be mailed with the payment coupon and in the envelope provided and 
following  the  other  instructions  on  the  Statement  to  Genesis  FS  Card  Services,  PO  Box 
84049 Columbus, GA 31908-4049. Any payment received in that form and at that address 
on  or  before  5:00  P.M.,  Eastern  Time,  on  a  normal  banking  day  will  be  credited  to  your 
Account that day. If your payment is received in that form and at that address after 5:00 
P.M., Eastern Time, on a normal banking day, or any time on a non-banking day, we will 
credit it to your Account the next banking day. However, if your Payment Due Date occurs 
on a non-banking day, any payment received the next day which conforms to the above 
requirements will not be treated as late. Please allow at least seven (7) business days for 
postal delivery. Payments received by us at any other location or in any other form may not 
be credited as of the day we receive them. 
If  we  accept  a  payment  at  a  place  other  than  the  address  in  the  immediately  preceding 
paragraph, we may delay the crediting of the payment for up to five (5) days. This may 
cause you to incur Late Payment Fees and additional interest charges, and may result in 
your Account being declared in default. 
We do not accept cash payments through the mail. You may not make payments with funds 
from your Account or any other credit account issued by us. 
When you provide a check as payment, you authorize us either to use information from 
your check to make a one-time electronic fund transfer from your account or to process 
the payment as a check transaction. When we use information from your check to make an 
electronic fund transfer, funds may be withdrawn from your account as soon as the same 
day we receive your payment and you will not receive your check back from your financial 
institution. 
At  any  time,  you  may  pay  part  or  all  of  the  full  amount  you  owe  without  incurring  any 
additional charge for prepayment. The amount of any payment that exceeds your total New 
Balance will be applied as a credit to your Account, and any remaining credit balance will be 
refunded as required by law. 
Credit availability may be delayed at our sole discretion to ensure payment in good funds. 
Your available credit on your Credit Limit may not reflect your payments for up to 14 days. 

Your interest charge for any Billing Cycle will include a periodic interest charge computed by 
applying the applicable Daily Periodic Rate, determined as provided below under Computing 
the Purchase Daily Periodic Rate and Corresponding Annual Percentage Rate (APR) to 
your Average Daily Balance of Purchases (including new Purchases). 

When Interest Charges Begin to Accrue 
Interest charges on Purchases will be imposed at the applicable Daily Periodic Rate from the 
date each Purchase is made, and will continue to accrue on unpaid balances as long as they 
remain unpaid. However, we do not assess interest charges in the following circumstances: 
1.  If you paid the New Balance at the beginning of your previous Billing Cycle by the 
Payment Due Date during the previous Billing Cycle, or if that New Balance was $0 or 
a credit balance, then: 
a.  if  you  pay  the  New  Balance  on  your  current  monthly  statement  in  full  by  the 
Payment Due Date in your current Billing Cycle, we will not assess interest charges 
on Purchases during your current Billing Cycle; and 

b.  if you make a payment that is less than the New Balance by the Payment Due Date 
in your current Billing Cycle, we will credit that payment as of the first day in your 
current Billing Cycle. 

2.  If you had a New Balance at the beginning of your previous Billing Cycle and you did 
not pay that New Balance by the Payment Due Date during that previous Billing Cycle, 
then we will not assess interest charges on any Purchases during the current Billing 
Cycle if you pay the New Balance at the beginning of your current Billing Cycle by the 
Payment Due Date in your current Billing Cycle. 

Calculating the Purchase Balance Subject to Interest Charges 
Average Daily Balance of Purchases (including new Purchases): To get the Average Daily 
Balance of Purchases, we take the beginning Purchase balance of your Account each day, 
including  unpaid  interest  charges  on  Purchases,  add  any  new  Purchases  as  of  the  date 
of transaction, and subtract the applicable portion of any payments and credits as of the 
transaction date. This gives us the daily balance for Purchases. Then we add all these daily 
balances for the Billing Cycle together and divide the total by the number of days in the Billing 
Cycle. This gives us the Average Daily Balance of Purchases. 

Computing the Purchase Daily Periodic Rates and Corresponding Annual Percentage 
Rates (APR) 
Daily  Periodic  Rates:  The  Daily  Periodic  Rate  is  calculated  by  multiplying  the  APR  by 
1/365. The Purchase APR is 29.99% and the Daily Periodic Rate for Purchases is 0.0821%. 

OTHER FEES 

In  addition  to  interest  charges,  other  fees  may  be  applied  to  your  Account,  as  set  forth 
below. The amounts of these fees may change from time to time during the term of your 
Account. 

Late Payment Fee 
If we do not receive your Monthly Minimum Payment due by the Closing Date of the Billing 
Cycle in which the Payment Due Date occurs and the amount past due on your Account is 
more than $9.99, we will apply a Late Payment Fee to your Account. The Late Payment Fee 
is $29 if we did not charge a Late Payment Fee during any of the prior six billing periods. 
Otherwise,  the  Late  Payment  Fee  is  $40.  The  Late  Payment  Fee  will  never  exceed  the 
amount of your most recently required Monthly Minimum Payment. 

Returned Payment Fee 
If any payment on your Account is returned to us unpaid for any reason, we will apply a 
Returned Payment Fee to your Account. The Returned Payment Fee is $29 if we did not 
charge a Returned Payment Fee during any of the prior six billing periods. Otherwise, the 
Returned Payment Fee is $40. The Returned Payment Fee will never exceed the Monthly 
Minimum Payment. 

Documentation Fee 
You may request a copy of a monthly statement previously sent to you for a Documentation 
Fee of $3 per statement, which fee we will charge to your Account. Copies of sales tickets 
or other items posted to your Account may be obtained for a Documentation Fee of $10 
per sales ticket or other item, which will be applied to your Account. Notwithstanding the 
foregoing, we will not impose any fee in connection with a good faith assertion of a billing 
error or other exercise of your Billing Rights (see below under “Your Billing Rights - Keep 
This Notice for Future Use”). 

MILITARY LENDING ACT 

The Military Lending Act provides protections for Covered Borrowers. The provisions 
of this section apply to Covered Borrowers. If you would like more information about 
whether you are a Covered Borrower, you may contact us at 1-866-502-6439. 

Statement of MAPR 
Federal  law  provides  important  protections  to  members  of  the  Armed  Forces  and  their 
dependents  relating  to  extensions  of  consumer  credit.  In  general,  the  cost  of  consumer 
credit to a member of the Armed Forces and his or her dependent may not exceed an Annual 
Percentage Rate of 36%. This rate must include, as applicable to the credit transaction or 
account: (1) the costs associated with credit insurance premiums; (2) fees for ancillary 
products  sold  in  connection  with  the  credit  transaction;  (3)  any  application  fee  charged 
(other than certain application fees for specified credit transactions or accounts); and (4) 
any participation fee charged (other than certain participation fees for a credit card account). 

Oral Disclosures 
In order to hear important disclosures and payment information about this Agreement, you 
may call 1-866-875-5929. 

Applicability of Arbitration of Disputes Provision 
The Arbitration of Disputes Provision set forth in this Agreement does not apply to you if, as 
of the date of this Agreement, you are a Covered Borrower. 

LOST ACCOUNT NUMBER AND UNAUTHORIZED USE 

If your Account Number is lost or stolen or used without your consent, you may be liable 
for the unauthorized use of your Account, but you will not be liable for unauthorized use that 
occurs after you notify us orally or in writing of the loss, theft or possible unauthorized use 
at: Genesis FS Card Services, P.O. Box 4477, Beaverton, OR 97076, 1-888-260-4532. In 
any case, your liability will not exceed $50. 

OUR RIGHTS, AND HOW THEY AFFECT YOU 

Telephone Monitoring and Recording; Communications 
You consent and agree that, except as restricted by applicable law, we may monitor and/or 
record telephone calls regarding your Account, suppress caller identification services, use 
prerecorded messages, and use an automated telephone dialing and announcing system. 
You expressly consent that we and our agents, any servicer, or any subsequent owner of 
your Account may (i) contact you at any cellular telephone number that you provided as part 
of your application, at any number that you later provide (including, without limitation, after 
your Account is in a default status), or at any other number that is identified as related to 
you, including by text message, and (ii) use automated telephone dialing systems to initiate 
such contacts and/or leave recorded messages. 
If you provide us at any time with an email contact for your Account, you agree we may use 
that email address to contact you about your Account and may send you information about 
products and services related to your Account. 
We or our representatives may contact you from time to time regarding the Account, or to 
ask for additional information about you or your experience with us. You agree that such 
contacts are not unsolicited and may include contacts at your home or place of employment, 
during weekdays, weekends or holidays, on your mobile telephone, voicemail or answering 
machine, or by email, fax, recorded message, text message or personal visit. 

How to Revoke Consent for Future Communications 
If you want to revoke your consent to future communications as described in the previous 
paragraph, you must send us a written notice that includes: (i) your name, mailing address, 
and  Account  number(s);  (ii)  the  specific  telephone  number(s),  email  address(es)  and/or 
mailing address(es) at which you no longer wish us to contact you, and (iii) the types of 
communications (telephone, text, email, and/or mail) for which you are revoking consent. 
You must send this written notice to: Genesis FS Card Services, PO Box 4477, Beaverton, 
OR  97076.  You  understand  and  agree  that  it  may  take  up  to  three  business  days  after 
receipt of your written notice to process your request, and that you consent to continued 
communications during this period of time. 

. . . CONTINUED ON REVERSE

Refunds 
If Retailer agrees to give a refund, you will accept a credit on your Account instead of a 
cash refund. 

No Waiver of Rights; Disputed Amounts 
We  can  accept  late  or  partial  payments  without  losing  any  of  our  rights  under  this 
Agreement. You agree not to send us partial payments marked “paid in full,” “without 
recourse,” or similar restrictive language. If you send such a payment, we may accept 
it without losing any of our rights under this Agreement. All written communications 
concerning  disputed  amounts,  including  any  check  or  other  payment  instrument  that 
indicated that the payment constitutes “payment in full” of the amount owed or that is 
tendered with other conditions or limitations or as full satisfaction of a disputed amount, 
must be mailed or delivered to Genesis FS Card Services, P.O. Box 4499, Beaverton, 
OR 97076. 

Credit Reports and Information 
You  authorize  us  to  make  or  have  made  any  credit,  employment,  or  other  investigative 
inquiries we deem appropriate to extend you Credit or collect amounts owed to us on your 
Account. We (including any assignee of the Account or amounts owing under the Account) 
may also obtain information about you from credit reporting agencies or others at any time 
and use it for the purposes of monitoring your credit performance, managing your Account 
and considering you for new offers and programs. 

Notice of Inaccurate Information 
If you believe that we have information about you that is inaccurate or that we have reported 
or may report to a credit reporting agency information about you that is inaccurate, please 
notify us of the specific information that you believe is inaccurate by writing to us at Genesis 
FS Card Services, P.O. Box 4499, Beaverton, OR 97076. 

Default and Collection 
Unless prohibited by applicable law, your Account is considered to be in default if (1) you 
fail  to  make  the  required  Monthly  Minimum  Payment  due  on  or  before  its  payment  due 
date, including if your payment is returned or cannot be processed and you do not correct 
that failure within 31 days, (2) you try to exceed or do exceed your Credit Limit without 
permission and do not bring your Account back under your Credit Limit within 31 days, (3) 
you become subject to bankruptcy or insolvency proceedings, (4) you become subject to 
attachment or garnishment proceedings, (5) you give us any false information or signature, 
(6) you die, or (7) you fail to comply with any portion of this Agreement. Our accepting a late 
or partial payment does not waive default. Default on this Account will constitute default on 
all accounts you hold with us. 
Subject to any notice of default and right to cure or other restrictions of applicable law, if 
you are in default, we may declare the entire balance due immediately. Except as provided 
in the Arbitration Provision below, you agree to pay our reasonable costs and attorneys’ fees 
and expenses related to the collection of your Account to the extent permitted by applicable 
laws. 

Change of Terms 
Subject  to  the  limitations  of  applicable  law,  we  may,  at  any  time,  change  or  remove 
any of the terms and conditions of, or add new terms or conditions to, this Agreement. 
If required by applicable law, we will mail written notice of such a change to you in the 
manner required by such law. As of the effective date, the changed or new terms will 
apply to new Purchases and to the outstanding balance of your Account, subject to the 
limitations of applicable law. 

Delay in Enforcement 
We can delay enforcing our rights under this Agreement without losing them. 

OTHER PROVISIONS 

Ownership and Use of Your Account 
As the Accountholder(s), you are liable for all Credit obtained under your Account. If you 
authorize another person to use your Account Number, you are liable for any Credit obtained 
on your Account for as long as that person holds or uses the Account Number. Misuse of 
your Account by an authorized person will not be considered unauthorized use. See “Lost 
Account Number and Unauthorized Use” above. 

Transactions 
You will retain for statement verification purposes your copy of each Purchase transaction 
receipt from Retailer. 

Refunds for Goods and Services 
Refunds for goods and services are governed by Retailer. Any refunds for goods or services 
purchased from Retailer through an extension of Credit on your Account will be issued as a 
credit adjustment to your Account. When we are notified by Retailer of any refund amount, 
we  will  subtract  an  amount  equal  to  the  refund  amount  from  your  Account.  If  a  refund 
amount results in a credit balance on your Account, we will refund your credit balance. 

Transfer and Termination of Your Account 
You may not transfer your Account to any other person. We may assign your Account or 
amounts you owe on your Account to any other person at any time and the assignee will 
take our place under the Agreement with respect to all agreements and interests transferred. 
You  must  pay  the  assignee  and  otherwise  perform  your  obligations  under  the  assigned 
agreements and interests. Either you or we may terminate or suspend your Credit privileges 
at any time, with or without cause and with or without advance notice, but you will remain 
liable for all charges until they are paid in full. You may cancel your Account at any time 
by writing to us at Genesis FS Card Services, P.O. Box 4477, Beaverton, OR 97076. If you 
have a joint Account and want to remove one of the names from the Account, we must 
receive a written request signed by both of the Accountholders on the Account. No party is 
released from the obligation for the balance owing on a joint Account, unless we agree to 
the arrangements in writing. You may have to re-apply for an individual Account when you 
request a change from a joint Account to an individual Account. 

Additional Benefits and Services 
From  time  to  time,  we  may  offer  you  benefits  and  services  with  your  Account.  We  or 
another party may provide these benefits and services. Unless expressly made a part of this 
Agreement, and except as provided in the Arbitration Provision below, any such benefits and 
services are not a part of this Agreement, and are subject only to the terms and conditions 
outlined in the benefits or services brochure and other official documents provided to you 
with respect to the benefits and services. We may adjust, add, or delete benefits or services 
at any time in accordance with the brochures or documents you receive. Except as required 
by applicable law, we are not liable for benefits or services that other parties provide or for 
their actions or omissions. 

Honoring Your Account 
We  are  not  liable  for  the  failure  or  refusal  of  Retailer  to  accept  your  Account  Number. 
Although you may have Credit available, we will not be liable for the failure to authorize 
Credit due to operational difficulties or mistakes. Transactions made above a certain dollar 
amount may require that we authorize the transaction before the transaction is approved. In 
addition, we may limit the number and amount of daily transactions approved for security 
reasons. 

Change of Address, Employment and Telephone 
We  will  send  all  written  notices  and  statements  to  your  address  as  it  appears  on  our 
records. To avoid delays and missed payments that could affect your credit standing, you 
agree to promptly advise us if you change your mailing address, place of employment, or 
telephone number. 

Severability 
In the event that any provision of this Agreement is determined to be invalid or unenforceable 
for any reason, the remaining provisions will remain in effect. 

Entire Agreement; Interpretation 
This  Agreement  (including  the  other  documents  incorporated  herein  by  reference  as 
discussed above) constitutes the final expression of the credit agreement between you and 
us relating to your Account. The headings used in this Agreement are for the convenience of 
reference only and are not intended to define or describe the scope or intent of any portion 
of the Agreement. 

Governing Law 
This Agreement is controlled and governed by the laws of the State of Missouri, including 
Missouri Revised Statutes (Chapter 408 Legal Tender and Interest) Section 408.145, except 
to the extent that such laws are inconsistent with controlling federal laws. 

Arbitration of Disputes Provision 
PLEASE READ THIS ARBITRATION OF DISPUTES PROVISION CAREFULLY. UNLESS YOU 
SEND  US  THE  REJECTION  NOTICE  DESCRIBED  BELOW,  THIS  PROVISION  WILL  APPLY 
TO  YOUR  ACCOUNT,  AND  MOST  DISPUTES  BETWEEN  YOU,  ON  THE  ONE  HAND,  AND 
US OR ANY SERVICER OF YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO, GENESIS 
FS  CARD  SERVICES,  INC.  (“GENESIS”),  ON  THE  OTHER  HAND,  WILL  BE  SUBJECT  TO 
INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL 
RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS 
ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND 
(4)  APPEAL  RIGHTS  WILL  BE  LIMITED.  THIS  ARBITRATION  OF  DISPUTES  PROVISION 
DOES  NOT  APPLY  TO  YOU  IF,  AS  OF  THE  DATE  OF  THIS  AGREEMENT,  YOU  ARE  A 
MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH MEMBER ENTITLED TO 
PROTECTION UNDER THE FEDERAL MILITARY LENDING ACT. PLEASE SEE THE SECTION 
OF THIS AGREEMENT LABELED “MILITARY LENDING ACT.” IF YOU WOULD LIKE MORE 

INFORMATION  ABOUT  WHETHER  YOU  ARE  ENTITLED  TO  PROTECTION  UNDER  THE 
FEDERAL MILITARY LENDING ACT, YOU MAY CONTACT US AT 1-866-502-6439. 
This provision replaces any existing arbitration provision with us and will stay in force no 
matter what happens to your Account, including the closing of your Account. Except as 
expressly provided below, you must arbitrate individually, by binding arbitration under the 
Federal Arbitration Act (“FAA”), any dispute or claim between you, on the one hand, and us, 
our affiliates, and agents, and/or any servicer of your Account, including, but not limited 
to, Genesis, on the other hand, if the dispute or claim arises out of or is related to (a) this 
Agreement (including without limitation, any dispute over the validity of this Agreement to 
arbitrate disputes or of this entire Agreement), or (b) your Account, or (c) any relationship 
resulting from this Agreement, or (d) any insurance or other service related to your Account, 
or (e) any other agreement related to your Account (including prior agreements) or any such 
service, or (f) breach of this Agreement or any other such agreement, whether based on 
statute, contract, tort or any other legal theory (any “Claim”). However, we will not require 
you to arbitrate any individual Claims in small claims court or your state’s equivalent court, 
so long as it remains an individual case in that court. 
YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY 
GENERAL ACTION AGAINST US OR ANY SERVICER OF YOUR ACCOUNT, INCLUDING, BUT 
NOT LIMITED TO, GENESIS, IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING 
CLAIMS  AGAINST  US  OR  ANY  SERVICER  OF  YOUR  ACCOUNT,  INCLUDING,  BUT  NOT 
LIMITED  TO  GENESIS,  ON  BEHALF  OF  ANY  ACCOUNTHOLDER  WHO  IS  NOT  A  JOINT 
ACCOUNTHOLDER WITH YOU (AN “UNRELATED ACCOUNTHOLDER”), AND YOU AGREE 
THAT NO UNRELATED ACCOUNTHOLDER MAY BRING ANY CLAIMS AGAINST US OR ANY 
SERVICER OF YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO, GENESIS, ON YOUR 
BEHALF. CLAIMS BY YOU AND AN UNRELATED ACCOUNTHOLDER MAY NOT BE JOINED IN 
A SINGLE ARBITRATION. THE ARBITRATOR WILL NOT HAVE THE POWER TO CONSIDER 
SUCH  CLASS,  REPRESENTATIVE  OR  PRIVATE  ATTORNEY  GENERAL  ACTIONS  OR  ANY 
SUCH CLAIMS YOU BRING ON BEHALF OF AN UNRELATED ACCOUNTHOLDER. 
Judgment  on  the  arbitration  award  may  be  entered  in  any  court  having  jurisdiction. 
Any  dispute  regarding  whether  a  particular  controversy  is  subject  to  arbitration,  or  the 
applicability or enforceability of the foregoing paragraph, will be decided by a court and 
not by an arbitrator. 
If you or we or any servicer of your Account, including, but not limited to, Genesis, elect to 
arbitrate a claim, the electing party must notify the other party in writing. The notice can 
be given after the beginning of a lawsuit and can be given in papers filed in the lawsuit. 
Otherwise, your notice must be sent to Genesis FS Card Services, Inc., Attn: Arbitration 
Demand, P.O. Box 4477, Beaverton, Oregon 97076, and our notice must be sent to the most 
recent address for you in our files. The arbitration will be administered by the American 
Arbitration  Association  (the  “AAA”)  under  its  rules  in  effect  at  the  time  an  arbitration  is 
commenced  that  are  applicable  to  the  resolution  of  consumer  disputes  (the  “Arbitration 
Rules”). We will tell you how to contact the AAA and how to get a copy of the Arbitration 
Rules without cost if you ask us in writing to do so. The Arbitration Rules permit you to 
request deferral or reduction of the administrative fees of arbitration if paying them would 
cause you a hardship. In addition, if you ask us in writing, we will consider your request to 
pay any or all of your costs of arbitration. 
Each arbitrator shall be a licensed attorney who has been engaged in the private practice 
of law continuously during the ten years immediately preceding the arbitration or a retired 
judge of a court of general or appellate jurisdiction. The arbitration award shall award only 
such relief as a court of competent jurisdiction could properly award under applicable law, 
including attorneys’ fees if allowed by applicable law or agreement. All statutes of limitation, 
defenses, and attorney-client and other privileges that would apply in a court proceeding 
will apply in the arbitration. 
If  any  provision  of  this  Section  regarding  arbitration  of  disputes  shall  be  deemed  to  be 
unenforceable, the remainder of this Section shall be given full force and effect. However, 
if  the  provision  precluding  class,  representative  or  private  attorney  general  Claims  in 
arbitration is deemed unenforceable, then this entire Arbitration Agreement shall be void 
and of no force and effect. 
You  may  reject  this  provision,  in  which  case  only  a  court  may  be  used  to  resolve  any 
dispute or claim. Rejection will not affect any other aspect of the Agreement. To reject this 
Provision, you must send us a notice within sixty (60) days after you open your Account 
or we first provide you with a right to reject this Provision. This notice must include your 
name, address and Account Number and be mailed to Genesis FS Card Services, Inc., Attn: 
Arbitration Provision, P.O. Box 4477, Beaverton, Oregon 97076. This is the only way you 
can reject this Provision. 

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing 
Act. 

What To Do If You Find A Mistake On Your Statement 
If  you  think  there  is  an  error  on  your  statement,  please  write  to  us  at:  Genesis  FS  Card 
Services, P.O. Box 4499, Beaverton, OR 97076. 
In your letter, give us the following information: 

•  Account information: Your name and Account Number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your bill, describe what you 

believe is wrong and why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
•  At least three (3) business days before an automated payment is scheduled, if you 

want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not 
required to investigate any potential errors, and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. 

We will also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to 

you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that 

amount. 

•  The  charge  in  question  may  remain  on  your  statement,  and  we  may  continue  to 

charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance. 

•  We can apply any unpaid amount against your credit line. 
After we finish our investigation, one of two things will happen: 

•  If we made a mistake: You will not have to pay the amount in question or any interest 

or other fees related to that amount. 

•  If we do not believe there was a mistake: You will have to pay the amount in question, 
along  with  applicable  interest  and  fees.  We  will  then  send  you  a  statement  of  the 
amount you owe and the date payment is due. We may then report you as delinquent 
if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 
10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent 
without  also  reporting  that  you  are  questioning  your  bill.  We  must  tell  you  the  name  of 
anyone to whom we reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount 
you question, even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Account Purchases 
If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased  with  your 
Account, and you have tried in good faith to correct the problem with the merchant, you 
may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 

1.  The Purchase must have been made in your home state or within 100 miles of your 
current  mailing  address,  and  the  Purchase  price  must  have  been  more  than  $50. 
(Note: Neither of these are necessary if your Purchase was based on an advertisement 
we mailed to you, or if we own the company that sold you the goods or services.) 
2.  You  must  have  used  your  Account  for  the  Purchase.  Purchases  made  with  cash 
advances from an ATM or with a check that accesses your Account do not qualify. 

3.  You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us 
in writing at: Genesis FS Card Services, P.O. Box 4499, Beaverton, OR 97076. 
While we investigate, the same rules apply to the disputed amount as discussed above. 
After we finish our investigation, we will tell you our decision. At that point, if we think you 
owe an amount and you do not pay, we may report you as delinquent. 

Your Kay Jewelers Account is issued by: 
The Bank of Missouri 

F03-AB71-6 -0721