incurred by anyone else you have authorized to use this  Federal law provides important protections to members  balance will be the greater of 5% of the regular purchase  whichever is greater. For example, if the promotion has an  10. Arbitration for Disputes � No Jury Trials or Class Actions:  Account, or corporate af?liates are considered one person  This agreement to arbitrate shall survive any suspension,  payment by its due date (or within seven (7) days in VA;  We will add any Late Payment Fee to your Account�s regular 
                                             �
                  SUMMARY OF STERLING FAMILY OF JEWELERS  CHARGE ACCOUNT TERMS Account. You are also responsible for the use of each  of the Armed Forces and their dependents relating to  balance(s), or $30. The minimum payment for your regular  interest rate of 10.99% and the plan is for 24 months, the  This paragraph describes how all Claims (as de?ned in  for the purposes of this paragraph. No arbitration award  termination, revocation or closure of the Agreement or your  within ten (10) days in AL, AZ, CO, DC, FL, GA, ID, IL, IN,  balance.
                                                                          Card issued on this Account. You may request additional  extensions of consumer credit. In general, the cost of  balance will never exceed the regular balance. required minimum payment is determined as follows: 1/24th  subparagraph A below) will be arbitrated, at the election of  will have any preclusive effect as to issues or claims in any  Account, and any bankruptcy to the extent consistent with  KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY; 
                                                                                                                                                                                                                                                                                                       
         Interest Rates and Interest Charges                              Cards on this Account for yourself or others, and you may  consumer credit to a member of the Armed Forces and his  of the purchase price (less any down payment) multiplied  you or us, on an individual (non-class, non-representative)  dispute involving anyone who is not a party to the arbitration.  applicable bankruptcy law. within ?fteen (15) days in CA, ME, and MA; within twenty-one  12. Security Interest: You grant us a purchase money 
                                                                                                                                           If your billing statement shows a promotional balance (such                                                                                                 
                                                                          permit an Authorized User to have access to the Card or  or her dependent may not exceed an annual percentage rate  by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  basis instead of litigated in court. If you are a �Covered  This arbitration provision is made pursuant to a transaction  (21) days in TX; within thirty (30) days in NC; and within forty  security interest in each item of merchandise purchased 
                                                                                                                                           as a �No Interest� balance, a �Reduced Interest Rate� balance,                                                                    F. If any part of this arbitration provision cannot be enforced,      
                                                                          Account number. However, if you do so, you must pay us  of 36 percent. This rate must include, as applicable to the  whichever is greater). However, if the promotion speci?es  Borrower� as determined in accordance with the safe harbor  involving interstate commerce and will be governed by the  (40) days in RI), we will impose a Late Payment Fee.  The  on your Account to secure its unpaid purchase price 
                                                                                                                                           and/or an �Eighteen (18) Month� balance), the minimum 
         Annual Percentage Rate                                                                                                                                                                                                                                              the rest of the arbitration provision will continue to apply. 
               SUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS 17% to 29.99%. This APR varies by state.  for all charges made by those persons. See Paragraph  access to the Card or Account number. However, if you do  credit transaction or account: The costs associated with  consumer credit to a member of the Armed Forces and his  balance(s), or $30. The minimum payment for your regular  a minimum purchase amount, in no case will the minimum  of the purchase price (less any down payment) multiplied  provisions in the Military Lending Act and its implementing  your Account, or this Agreement as well as any related or  Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.). will not have the right to litigate the Claim in court. This  However, an arbitrator cannot enlarge his or her authority  maximum fee is set forth below.  The fee charged generally 
                                                                                                                                           payment for this balance shall be calculated as speci?ed in                                                                                                      Fee. The maximum fee is set forth below. The fee charged  (except in CT, MO (on any purchase under $150.00), and  12. Security Interest: You grant us a purchase money 
                                                                                                                                                                                                                                                                             However, an arbitrator cannot enlarge his or her authority 
                            See Paragraph 3 of the Retail Installment Credit Agreement  access to the Card or Account number. However, if you do  23 for details. When you sign the Application for this  so, you must pay us for all charges made by those persons.  consumer credit to a member of the Armed Forces and his  credit insurance premiums; fees for ancillary products sold  or her dependent may not exceed an annual percentage rate  balance(s), or $30. The minimum payment for your regular  balance will never exceed the Regular Balance. of the purchase price (less any down payment) multiplied  payment be less than the minimum purchase amount divided  by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  NY (on any purchase under $200.00)) until such item 
         (APR) for Purchases  SUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS                                         Paragraph 7. There shall be no separate, additional minimum      your Account, or this Agreement as well as any related or  regulations, you are not required to submit to arbitration. prior agreement that you may have had with us or the  will not have the right to litigate the Claim in court. This  means (1) there will be no jury trial on the Claim, (2)  over the adjudication of Claims beyond that provided by this  will be the highest amount permitted by law.  This means that  generally will be the highest amount permitted by law. This  security interest in each item of merchandise purchased 
                                                                                                                                                                                                                                             C. If we or you request arbitration of a Claim, we and  However, an arbitrator cannot enlarge his or her authority  over the adjudication of Claims beyond that provided by this  Fee. The maximum fee is set forth below. The fee charged  12. Security Interest: You grant us a purchase money 
         Interest Rates and Interest Charges SUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS access to the Card or Account number. However, if you do  Account, you will be agreeing to everything written here.  See Paragraph 23 for details. When you sign the Application  consumer credit to a member of the Armed Forces and his  balance(s), or $30. The minimum payment for your regular  of the purchase price (less any down payment) multiplied  your Account, or this Agreement as well as any related or  will not have the right to litigate the Claim in court. This  However, an arbitrator cannot enlarge his or her authority  Fee. The maximum fee is set forth below. The fee charged  12. Security Interest: You grant us a purchase money 
                                                                          so, you must pay us for all charges made by those persons.  or her dependent may not exceed an annual percentage rate  in connection with the credit transaction; any application fee  of 36 percent. This rate must include, as applicable to the  by the promotional period, which may shorten your repayment  whichever is greater). The minimum payment will never be  relationships resulting from this Agreement, including the  there will be no pre-arbitration discovery except as the  arbitration provision by enforcing only part of this arbitration  the fee generally will not exceed the amount of the required  means that the fee generally will not exceed the amount of  of merchandise is paid for in full (in NY, not to exceed 
                                                                                                                                           balance will never exceed the Regular Balance. by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  prior agreement that you may have had with us or the  means (1) there will be no jury trial on the Claim, (2)  over the adjudication of Claims beyond that provided by this  generally will be the highest amount permitted by law. This  security interest in each item of merchandise purchased  on your Account to secure its unpaid purchase price 
                            for details.                                                                                                   payment component for a non-regular, non-promotional  If your billing statement shows a promotional balance (such  A. The term �Claim� means any claim, dispute, or controversy  you will not have the right to litigate the Claim in court.  arbitration provision by enforcing only part of this arbitration 
                                                                          so, you must pay us for all charges made by those persons.  or her dependent may not exceed an annual percentage rate  balance will never exceed the Regular Balance. by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  prior agreement that you may have had with us or the  means (1) there will be no jury trial on the Claim, (2)  over the adjudication of Claims beyond that provided by this 
         Interest Rates and Interest Charges                              See Paragraph 23 for details. When you sign the Application  Therefore, before you sign the Application, you should  for this Account, you will be agreeing to everything written 
                                                                                                           of 36 percent. This rate must include, as applicable to the  charged (other than certain application fees for speci?ed  credit transaction or account: The costs associated with  whichever is greater). The minimum payment will never be  period in certain instances.  The minimum payment will never  more than the remaining promotional purchase balance.  validity, enforceability or scope of this arbitration provision or  generally will be the highest amount permitted by law. This 
                                                                                                                                                                                                            relationships resulting from this Agreement, including the  there will be no pre-arbitration discovery except as the  Administrator�s rules permit, and (3) no Claim may be  arbitration provision by enforcing only part of this arbitration  provision. If an arbitrator determines that applicable law  means that the fee generally will not exceed the amount of  minimum payment due immediately prior to the assessment  the required minimum payment due immediately prior to the  security interest in each item of merchandise purchased  ?ve (5) years from date the purchase is posted to your 
                                                                                                                                           balance unless we provide you notice of such a requirement. as a �No Interest� balance, a �Reduced Interest Rate� balance,  between you and us arising from or relating to your Card,  This means (1) there will be no jury trial on the Claim,  on your Account to secure its unpaid purchase price  (except in CT, MO (on any purchase under $150.00), and 
         Interest Rates and Interest Charges                              See Paragraph 23 for details. When you sign the Application  here. Therefore, before you sign the Application, you should  of 36 percent. This rate must include, as applicable to the             provision. If an arbitrator determines that applicable law 
                                                                          for this Account, you will be agreeing to everything written  read this entire Agreement. The information you provide  credit transaction or account: The costs associated with  credit transactions or accounts); and any participation fee  credit insurance premiums; fees for ancillary products sold  If your billing statement shows a promotional balance (such  whichever is greater). The minimum payment will never be  be more than the remaining promotional purchase balance.  However, if the promotion speci?es a minimum purchase  relationships resulting from this Agreement, including the  the Agreement. Claims arising in the past, present, or future,  there will be no pre-arbitration discovery except as the 
                                                                                                                                                                                                                                             Administrator�s rules permit, and (3) no Claim may be  arbitrated on a class-action, private attorney general, or  arbitration provision by enforcing only part of this arbitration  means that the fee generally will not exceed the amount of 
                                                                                                                                                                            more than the remaining promotional purchase balance.  validity, enforceability or scope of this arbitration provision or  provision. If an arbitrator determines that applicable law  requires this arbitration provision to be enforced in a way that 
                                                                                                                                                                                                                                                                                                            the required minimum payment due immediately prior to the  of the fee.  In addition, the ?rst time you pay late, the fee will  assessment of the fee. In addition, the ?rst time you pay late,  on your Account to secure its unpaid purchase price  Account). Solely for the purpose of determining the extent 
         Annual Percentage Rate   17% to 26.99%. This APR varies by state.                                                                 If your billing statement shows a promotional balance (such  and/or an �Eighteen (18) Month� balance), the minimum  your Account, or this Agreement as well as any related or  (2) there will be no pre-arbitration discovery except as  requires this arbitration provision to be enforced in a way that  (except in CT, MO (on any purchase under $150.00), and  NY (on any purchase under $200.00)) until such item 
                                                                          for this Account, you will be agreeing to everything written 
                                                                          read this entire Agreement. The information you provide  credit transaction or account: The costs associated with 
                                                                          here. Therefore, before you sign the Application, you should  charged (other than certain participation fees for a credit  in connection with the credit transaction; any application fee  as a �No Interest� balance, a �Reduced Interest Rate� balance,  7. Promotional Terms: At our sole discretion, we may offer  more than the remaining promotional purchase balance.  If the promotion states that there is no separate promotional  amount, in no case will the minimum payment be less than  validity, enforceability or scope of this arbitration provision or  including Claims arising before the opening of your Account,  Administrator�s rules permit, and (3) no Claim may be  other representative basis, and neither we nor you will  provision. If an arbitrator determines that applicable law  would result in greater authority over Claims than otherwise  the required minimum payment due immediately prior to the  the fee will not exceed $27.00. If you pay late again during the  (except in CT, MO (on any purchase under $150.00), and 
         How to Avoid Paying  Your due date is at least 25 days after the close of each billing  on the Application that identi?es you is incorporated in  credit insurance premiums; fees for ancillary products sold  as a �No Interest� balance, a �Reduced Interest Rate� balance,  payment for this balance shall be calculated as speci?ed in  However, if the promotion speci?es a minimum purchase  the Agreement. Claims arising in the past, present, or future,  arbitrated on a class-action, private attorney general, or  requires this arbitration provision to be enforced in a way that  assessment of the fee. In addition, the ?rst time you pay late,  not exceed $28.00.  If you pay late again during the next six  NY (on any purchase under $200.00)) until such item  of our purchase money security interest in each such item  of merchandise is paid for in full (in NY, not to exceed 
                                                                                                                                                                                                                                                                                                                      State           Maximum Late Payment Fee  
         Annual Percentage Rate                                                                                                                                                                             prior agreement that you may have had with us or the  the Administrator�s rules permit, and (3) no Claim may  would result in greater authority over Claims than otherwise 
         (APR) for Purchases  17% to 26.99%. This APR varies by state.  See Paragraph 3 of the Retail Installment Credit Agreement  here. Therefore, before you sign the Application, you should  on the Application that identi?es you is incorporated in  credit insurance premiums; fees for ancillary products sold 
         Annual Percentage Rate                                           read this entire Agreement. The information you provide  this Agreement by reference. This Agreement will not be  in connection with the credit transaction; any application fee  card account). charged (other than certain application fees for speci?ed  and/or an �Eighteen (18) Month� balance), the minimum  you promotional terms for a new purchase or for an existing  However, if the promotion speci?es a minimum purchase  minimum payment, then the amount of the promotional  the minimum purchase amount divided by the promotional  the Agreement. Claims arising in the past, present, or future,  are subject to arbitration. �Claim� includes, without limitation,  arbitrated on a class-action, private attorney general, or  have the right to participate as a representative or member  requires this arbitration provision to be enforced in a way that  allowed, such as the adjudication of claims on a class or  We apply the  ANNUAL  assessment of the fee. In addition, the ?rst time you pay late,  next six billing cycles, the fee will not exceed $37.00.  NY (on any purchase under $200.00)) until such item 
                            cycle. We will not charge you interest on purchases if you pay  17% to 26.99%. This APR varies by state.       and/or an �Eighteen (18) Month� balance), the minimum  Paragraph 7. There shall be no separate, additional minimum  amount, in no case will the minimum payment be less than  including Claims arising before the opening of your Account,  relationships resulting from this Agreement, including the  other representative basis, and neither we nor you will  be arbitrated on a class-action, private attorney general,  would result in greater authority over Claims than otherwise  allowed, such as the adjudication of claims on a class or  If you reside in   the fee will not exceed $27.00. If you pay late again during the  billing cycles, the fee will not exceed $39.00.  of merchandise, your payments will be allocated ?rst to  ?ve (5) years from date the purchase is posted to your 
                                                                          read this entire Agreement. The information you provide  this Agreement by reference. This Agreement will not be                                                                                                                                                   of merchandise is paid for in full (in NY, not to exceed 
         Interest on Purchases                                                                             credit transactions or accounts); and any participation fee  payment for this balance shall be calculated as speci?ed in 
                            for details.                                  on the Application that identi?es you is incorporated in  in connection with the credit transaction; any application fee  balance. Any promotion will be subject to the terms of the  amount, in no case will the minimum payment be less than  balance will be included in your regular balance for the  period, which may shorten your repayment period in certain  including Claims arising before the opening of your Account,  claims that arise from or relate to any application for your  other representative basis, and neither we nor you will  of any class or group of claimants pertaining to any Claim  would result in greater authority over Claims than otherwise  representative basis, then the arbitrator must decline to hear  monthly  PERCENTAGE  
                                                                                                                                                                                                                                                                                       We apply the  ANNUAL  the fee will not exceed $27.00. If you pay late again during the  State  AK, AR, CT, HI, LA, MD, MI,  Maximum Late Payment Fee   $37.00 (except $29.00 if the  of merchandise is paid for in full (in NY, not to exceed 
         (APR) for Purchases  See Paragraph 3 of the Retail Installment Credit Agreement  on the Application that identi?es you is incorporated in  effective unless and until we approve your Application. effective unless and until we approve your Application. charged (other than certain application fees for speci?ed  To receive this disclosure and a description of your pay- payment for this balance shall be calculated as speci?ed in  payment component for a non-regular, non-promotional  the minimum purchase amount divided by the promotional  are subject to arbitration. �Claim� includes, without limitation,  validity, enforceability or scope of this arbitration provision or  have the right to participate as a representative or member  or other representative basis, and neither we nor you will  allowed, such as the adjudication of claims on a class or  the state of:   Account). Solely for the purpose of determining the extent 
                                                                                                                                                                                                                                                                             representative basis, then the arbitrator must decline to hear  If you reside in   We apply the  ANNUAL  next six billing cycles, the fee will not exceed $37.00.  State  State  Maximum Late Payment Fee   ?ve (5) years from date the purchase is posted to your  any unpaid insurance premium, next to any unpaid Late 
         (APR) for Purchases  your entire balance by the due date each month. See Paragraph 3 of the Retail Installment Credit Agreement                                                                                                                                               periodic rate of:   RATE       MN, MS, NV, NH, NY, ND,  Maximum Late Payment Fee   outstanding balance is $249.99 
                                                                          this Agreement by reference. This Agreement will not be  charged (other than certain application fees for speci?ed  charged (other than certain participation fees for a credit  Paragraph 7. There shall be no separate, additional minimum  promotional offer and this Agreement. Below is a description  the minimum purchase amount divided by the promotional  purpose of calculating your minimum payment. instances. The minimum payment will never be more than the  are subject to arbitration. �Claim� includes, without limitation,  Account or any advertisements, promotions, or statements  have the right to participate as a representative or member  subject to arbitration. We or you may elect to arbitrate any  allowed, such as the adjudication of claims on a class or  the dispute and shall refer the parties to a court or other  If you reside in   We apply the  monthly  ANNUAL 
                                                                                                           credit transactions or accounts); and any participation fee  Paragraph 7. There shall be no separate, additional minimum  balance unless we provide you notice of such a requirement. period, which may shorten your repayment period in certain  claims that arise from or relate to any application for your  PERCENTAGE   next six billing cycles, the fee will not exceed $37.00.  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  ?ve (5) years from date the purchase is posted to your  Payment Fees, any unpaid Returned Payment Fees, any  of our purchase money security interest in each such item 
                            for details.                                  this Agreement by reference. This Agreement will not be  credit transactions or accounts); and any participation fee  ment obligation under this agreement orally, please call  payment component for a non-regular, non-promotional  period, which may shorten your repayment period in certain  claims that arise from or relate to any application for your  the Agreement. Claims arising in the past, present, or future,  of any class or group of claimants pertaining to any Claim  have the right to participate as a representative or member  If you reside in   representative basis, then the arbitrator must decline to hear  the dispute and shall refer the parties to a court or other 
                            for details.                                  2. Balances: Each transaction or group of transactions  card account). of some of the promotional terms that we may offer in our  remaining promotional purchase balance. related to your Account or goods or services that may be  of any class or group of claimants pertaining to any Claim  Claim at any time unless it has been ?led in court and trial  representative basis, then the arbitrator must decline to hear  body with suf?cient authority. In the event of any con?ict  the state of:   monthly  monthly  PERCENTAGE   PERCENTAGE   AK, AR, CT, HI, LA, MD, MI,  AK, AR, CT, HI, LA, MD, MI,  OH, OR, PA, SD, WI  $39.00  $37.00 (except $29.00 if the  or less)  Account). Solely for the purpose of determining the extent 
                                                                          effective unless and until we approve your Application. 2. Balances: Each transaction or group of transactions  charged (other than certain participation fees for a credit  payment component for a non-regular, non-promotional  instances. The minimum payment will never be more than the  Account or any advertisements, promotions, or statements  subject to arbitration. We or you may elect to arbitrate any  the state of:   the dispute and shall refer the parties to a court or other  the state of:   periodic rate of:   RATE  State  MN, MS, NV, NH, NY, ND,  Maximum Late Payment Fee   outstanding balance is $249.99  Account). Solely for the purpose of determining the extent  of merchandise, your payments will be allocated ?rst to 
                            Your due date is at least 25 days after the close of each billing  effective unless and until we approve your Application. 1-866-875-5929.      Eighteen (18) Month Plan. If any single purchase is  including Claims arising before the opening of your Account,  We apply the  ANNUAL  State  MN, MS, NV, NH, NY, ND,  MN, MS, NV, NH, NY, ND,  Maximum Late Payment Fee     outstanding balance is $249.99  of our purchase money security interest in each such item  unpaid Interest, and any other unpaid fees or charges, 
         How to Avoid Paying                                              subject to the same terms (such as the applicable APR and  subject to the same terms (such as the applicable APR and  charged (other than certain participation fees for a credit  balance unless we provide you notice of such a requirement. sole discretion from time to time. 7. Promotional Terms: At our sole discretion, we may offer  instances. The minimum payment will never be more than the  Account or any advertisements, promotions, or statements  ?nanced in connection with your Account. For purposes of  subject to arbitration. We or you may elect to arbitrate any  of any class or group of claimants pertaining to any Claim  has begun or ?nal judgment has been entered. If you reside in   the dispute and shall refer the parties to a court or other  body with suf?cient authority. In the event of any con?ict  or inconsistency between this arbitration provision and the  We apply the  periodic rate of:   periodic rate of:   1.75% to $750.00   ANNUAL  RATE  RATE  21% 
                                                                                                           card account). To receive this disclosure and a description of your pay- balance unless we provide you notice of such a requirement. remaining promotional purchase balance. If you reside in   AL  monthly  PERCENTAGE   AK, AR, CT, HI, LA, MD, MI,  OH, OR, PA, SD, WI  or less)  5% of amount past due but not 
                                                                                                                                                                                                                                                                                                                           $39.00            of our purchase money security interest in each such item  any unpaid insurance premium, next to any unpaid Late 
         Minimum Interest Charge  None to $1. The minimum interest charge varies by state. See  2. Balances: Each transaction or group of transactions                      designated as purchased under the �Eighteen Month Plan�,  Eighteen (18) Month Plan. If any single purchase is  related to your Account or goods or services that may be  are subject to arbitration. �Claim� includes, without limitation,  Claim at any time unless it has been ?led in court and trial  subject to arbitration. We or you may elect to arbitrate any  body with suf?cient authority. In the event of any con?ict  or inconsistency between this arbitration provision and the  AK, AR, CT, HI, LA, MD, MI,  OH, OR, PA, SD, WI  OH, OR, PA, SD, WI  $39.00    or less)  of merchandise, your payments will be allocated ?rst to  then to pay off each purchase in the order in which the 
                            cycle. We will not charge you interest on purchases if you pay  2. Balances: Each transaction or group of transactions  duration) shall be considered part of the same balance. The  duration) shall be considered part of the same balance. The  card account). 4. How to Avoid Paying Interest on Purchases: Your due  you promotional terms for a new purchase or for an existing  remaining promotional purchase balance. related to your Account or goods or services that may be  this arbitration provision, �you� and �us� also includes any  Claim at any time unless it has been ?led in court and trial  the state of:   body with suf?cient authority. In the event of any con?ict  Administrator�s rules or other provisions of this Agreement,  monthly  1.5% over $750.00  PERCENTAGE   18%  AL  more than $37.00 and not less  of merchandise, your payments will be allocated ?rst to  Payment Fees, any unpaid Returned Payment Fees, any 
         How to Avoid Paying   Interest on Purchases   Your due date is at least 25 days after the close of each billing  subject to the same terms (such as the applicable APR and  ment obligation under this agreement orally, please call  7. Promotional Terms: At our sole discretion, we may offer  No Interest If Paid in Full Plans. If any single purchase  no Interest will be imposed on the promotional purchase for  designated as purchased under the �Eighteen Month Plan�,  ?nanced in connection with your Account. For purposes of  claims that arise from or relate to any application for your  has begun or ?nal judgment has been entered. D. The party initiating an arbitration shall select an  the state of:  
                                                                                                                                                                                                                                             Claim at any time unless it has been ?led in court and trial  or inconsistency between this arbitration provision and the  periodic rate of:   1.75% to $750.00   1.75% to $750.00   RATE  21%  21%  MN, MS, NV, NH, NY, ND,    5% of amount past due but not  purchase was made.
         How to Avoid Paying  Your due date is at least 25 days after the close of each billing  subject to the same terms (such as the applicable APR and  balance subject to the Regular APR and the other regular  To receive this disclosure and a description of your pay- 7. Promotional Terms: At our sole discretion, we may offer  balance. Any promotion will be subject to the terms of the  Eighteen (18) Month Plan. If any single purchase is  ?nanced in connection with your Account. For purposes of  corporate af?liates, any licensees, predecessors, successors,  has begun or ?nal judgment has been entered. AL  or inconsistency between this arbitration provision and the  Administrator�s rules or other provisions of this Agreement,  this arbitration provision will govern. AL  periodic rate of:   1.75% to $750.00   RATE  21%  MN, MS, NV, NH, NY, ND,  5% of amount past due but not   
                                                                                                                                                                                                                                                                                                             OH, OR, PA, SD, WI       5% of amount past due but not  any unpaid insurance premium, next to any unpaid Late 
                            Paragraph 5 of the Retail Installment Credit Agreement for details.                                                                                                                                                                                                                                       than $18.00  any unpaid insurance premium, next to any unpaid Late  unpaid Interest, and any other unpaid fees or charges, 
                            cycle. We will not charge you interest on purchases if you pay  your entire balance by the due date each month. balance subject to the Regular APR and the other regular  date is at least 25 days after the close of each billing  Administrator from the organizations listed above. If none of  AL 
                                                                          duration) shall be considered part of the same balance. The  To receive this disclosure and a description of your pay- 1-866-875-5929. you promotional terms for a new purchase or for an existing     1.5% over $750.00  1.5% over $750.00  18%  18% 
                                                                          duration) shall be considered part of the same balance. The  terms set forth in this Agreement is your Account�s regular  ment obligation under this agreement orally, please call  you promotional terms for a new purchase or for an existing  is designated as purchased under a no interest if paid in  Eighteen (18) Month Plan. If any single purchase is  no Interest will be imposed on the promotional purchase for  this arbitration provision, �you� and �us� also includes any  AR  1.4167%  17% 
                                                                                                                                           promotional offer and this Agreement. Below is a description  designated as purchased under the �Eighteen Month Plan�,  the ?rst twelve (12) months if you make all required minimum  this arbitration provision, �you� and �us� also includes any  Account or any advertisements, promotions, or statements  assigns, any purchaser of any accounts, all agents, employees,  D. The party initiating an arbitration shall select an  has begun or ?nal judgment has been entered. Administrator�s rules or other provisions of this Agreement,  OH, OR, PA, SD, WI  AL  AL  more than $39.00 and not less    more than $37.00 and not less 
                                                                                                                                                                                                                                                                             Administrator�s rules or other provisions of this Agreement,  this arbitration provision will govern. 1.5% over $750.00  18%  Payment Fees, any unpaid Returned Payment Fees, any 
         Interest on Purchases   cycle. We will not charge you interest on purchases if you pay                                                                                                                                                                                                                       AL 
                                                                          terms set forth in this Agreement is your Account�s regular  ment obligation under this agreement orally, please call  cycle. We will not charge you Interest in any billing cycle  designated as purchased under the �Eighteen Month Plan�,  the ?rst twelve (12) months if you make all required minimum  D. The party initiating an arbitration shall select an  the Administrators listed above will accept the arbitration,  AL  this arbitration provision will govern. 11. Fees:   1.75% to $750.00   21% 
                                                                                                                                                                                                                                                                                 1.75% to $750.00   21%                    5% of amount past due but not  more than $37.00 and not less  $10.00 (except $5.00 if the  Payment Fees, any unpaid Returned Payment Fees, any  13. Default/Collection Costs: If you fail to pay any  then to pay off each purchase in the order in which the 
         Interest on Purchases                                            balance subject to the Regular APR and the other regular         balance. Any promotion will be subject to the terms of the                                                                                                                      than $18.00 
                                                                                                                                           full plan, you will pay no Interest on that balance if the       corporate af?liates, any licensees, predecessors, successors,    CO, GA, IN,                                   5% of amount past due but not  than $18.00  unpaid Interest, and any other unpaid fees or charges, 
                            your entire balance by the due date each month. balance subject to the Regular APR and the other regular  balance. We calculate your total regular balance each billing  1-866-875-5929. 4. How to Avoid Paying Interest on Purchases: Your  balance. Any promotion will be subject to the terms of the  of some of the promotional terms that we may offer in our  no Interest will be imposed on the promotional purchase for  payments by the end of the 12th month.  If we do not receive  corporate af?liates, any licensees, predecessors, successors,  related to your Account or goods or services that may be  directors and representatives of any of the foregoing, and  Administrator from the organizations listed above. If none of  AL  AR  this arbitration provision will govern. AR  1.5% over $750.00  1.4167%  1.4167%  18%  17%  17%  AZ, KS  than $18.00  minimum payment is $5.00 to  unpaid Interest, and any other unpaid fees or charges,  purchase was made.
                            your entire balance by the due date each month. terms set forth in this Agreement is your Account�s regular  balance. We calculate your total regular balance each billing  1-866-875-5929. in which payments received (and if required by law,                                  AL            more than $39.00 and not less 
                            To learn more about factors to consider when applying for or  cycle by taking the regular balance for the prior billing  promotional offer and this Agreement. Below is a description  no Interest will be imposed on the promotional purchase for  payments by the end of the 12th month. If we do not receive  Administrator from the organizations listed above. If none of  D. The party initiating an arbitration shall select an 
                                                                                                                                                                                                            assigns, any purchaser of any accounts, all agents, employees,  the arbitration will be administered by an administrator, or  11. Fees:   A. Returned Payment Fee: If any check, instrument, or  AR  MS, OK, TN,  1.5% over $750.00  1.4167%  1.75%  18%  17% 
                                                                                                                                           promotional purchase is paid in full in the designated  all required minimum payments by the end of the 12th month,  ?nanced in connection with your Account. For purposes of  21%  AL  more than $39.00 and not less  $10.00 (except $5.00 if the  minimum payment when due, or if the prospect of 
                            None to $1. The minimum interest charge varies by state. See  terms set forth in this Agreement is your Account�s regular  due date is at least 25 days after the close of each billing  promotional offer and this Agreement. Below is a description  sole discretion from time to time. assigns, any purchaser of any accounts, all agents, employees,  the Administrators listed above will accept the arbitration,  CO, GA, IN,  $10.00 (except $5.00 if the  then to pay off each purchase in the order in which the 
         For Credit Card Tips from   Minimum Interest Charge                                                                                                                the ?rst twelve (12) months if you make all required minimum  other persons referred to below in the de?nition of �Claims�. 
                                                                          balance. We calculate your total regular balance each billing  cycle by taking the regular balance for the prior billing  4. How to Avoid Paying Interest on Purchases: Your  credits issued) by the due date equal or exceed the New  of some of the promotional terms that we may offer in our  the ?rst twelve (12) months if you make all required minimum  all required minimum payments by the end of the 12th month,  directors and representatives of any of the foregoing, and  the Administrators listed above will accept the arbitration,  Administrator from the organizations listed above. If none  adjudicated by an arbitrator, upon which you and we agree in  11. Fees:  
                                                                                                                                                                                                                                                                        AR   11. Fees:   A. Returned Payment Fee: If any check, instrument, or  electronic authorization used to pay us is not honored upon  CO, GA, IN,  than $18.00  $10.00 (except $5.00 if the  $25.00)  then to pay off each purchase in the order in which the 
                                                                                                                                           promotional time period (which may be 6 months, 12                                                                           AR  MS, OK, TN,  CO, GA, IN,  TX, VT, WY  1.4167%  1.4167%  17%  AZ, KS  than $18.00  minimum payment is $5.00 to  payment, performance, or realization of collateral is 
                                                                          balance. We calculate your total regular balance each billing  cycle, adding any regular purchases, fees, Interest Charges,  4. How to Avoid Paying Interest on Purchases: Your  cycle. We will not charge you Interest in any billing cycle  of some of the promotional terms that we may offer in our  1.75%  17%  21%  AZ, KS  minimum payment is $5.00 to  purchase was made. 13. Default/Collection Costs: If you fail to pay any 
                            using a credit card, visit the website of the Consumer Financial               Balance, including any promotional plan balances, shown  No Interest If Paid in Full Plans. If any single purchase  payments by the end of the 12th month. If we do not receive  payments by the end of the 12th month. If we do not receive  or if we do not receive a required minimum payment within 60  directors and representatives of any of the foregoing, and  this arbitration provision, �you� and �us� also includes any  �Claim� includes claims of every kind and nature, including  the arbitration will be administered by an administrator, or  the arbitration will be administered by an administrator, or  A. Returned Payment Fee: If any check, instrument, or 
                                                                                                                                                                                                                                             of the Administrators listed above will accept the arbitration,  writing. The arbitration shall be governed by the procedures  A. Returned Payment Fee: If any check, instrument, or  electronic authorization used to pay us is not honored  ?rst presentment, (for residents of MD, second presentment),  MS, OK, TN,  1.75%  21%  AZ, KS  CA, CO, DC, IA  $10.00 (except $5.00 if the  $10.00 (except $5.00 if the  $25.00)  minimum payment is $5.00 to  $15.00  purchase was made.
         the Consumer Financial   None to $1. The minimum interest charge varies by state. See  Paragraph 5 of the Retail Installment Credit Agreement for details. 
                                                                          cycle by taking the regular balance for the prior billing  cycle by taking the regular balance for the prior billing  or if we do not receive a required minimum payment within 60                                                                                 signi?cantly impaired, to the extent permitted by applicable 
                            None to $1. The minimum interest charge varies by state. See  cycle, adding any regular purchases, fees, Interest Charges, 
         Minimum Interest Charge                                          other ?nance charges, and other debits, and subtracting  due date is at least 25 days after the close of each billing  due date is at least 25 days after the close of each billing  in which payments received (and if required by law, credits  sole discretion from time to time. sole discretion from time to time. months, or another period speci?ed in the promotion).  If the  other persons referred to below in the de?nition of �Claims�.  other persons referred to below in the de?nition of �Claims�. 
                                                                                                                                                                            all required minimum payments by the end of the 12th month,  days of its due date, Interest will be charged to your account  corporate af?liates, any licensees, predecessors, successors,  CO, GA, IN,  TX, VT, WY  MS, OK, TN,  1.75%  21% 
         Minimum Interest Charge                                                                                                                                                                            but not limited to initial claims, counterclaims, cross-claims,  adjudicated by an arbitrator, upon which you and we agree in  CO, GA, IN, 
                                                                                                                                                                                                                                             and rules of the Administrator and this Agreement, which  electronic authorization used to pay us is not honored upon  electronic authorization used to pay us is not honored upon  DC, MD  2.0%  24% 
                                                                                                                                                                                                                                                                             even if the check, instrument or electronic authorization  TX, VT, WY  AZ, KS  AZ, KS  CA, CO, DC   DE, NM, TN, VT  minimum payment is $5.00 to  minimum payment is $5.00 to  $15.00  $25.00)  $25.00)  minimum payment when due, or if the prospect of 
                                                                                                                                                                                                                                                                                                                                      None 
                                                                          cycle, adding any regular purchases, fees, Interest Charges,  cycle, adding any regular purchases, fees, Interest Charges,  other ?nance charges, and other debits, and subtracting  any payments or other credits, as of the closing date for  cycle. We will not charge you Interest in any billing cycle  cycle. We will not charge you Interest in any billing cycle  on your billing statement. is designated as purchased under a no interest if paid in  all required minimum payments by the end of the 12th month,  days of its due date, Interest will be charged to your account  adjudicated by an arbitrator, upon which you and we agree in  the arbitration will be administered by an administrator, or 
                                                                                                                                                                                                            �Claim� includes claims of every kind and nature, including  MS, OK, TN,  the ?rst time it is submitted, (for residents of MD, upon  1.75%  21%  13. Default/Collection Costs: If you fail to pay any  law it will be a default, and, subject to any right you may 
                            Protection Bureau at:                                                          issued) by the due date equal or exceed the New Balance,  promotional purchase balance is not paid in full by the end  at the Regular APR from the promotional purchase date.  �Claim� includes claims of every kind and nature, including  assigns, any purchaser of any accounts, all agents, employees,  third-party claims, and claims based upon contract, tort,  MS, OK, TN,  DC, MD  TX, VT, WY 
                                                                                                                                                                                                                                                                             ?rst presentment, (for residents of MD, second presentment),  1.75%  2.0% 
                                                                                                                                                                                                                                             writing. The arbitration shall be governed by the procedures  21%  24% 
                                                                                                                                                                                                                                                                                                             DE, NM, TN, VT  CA, CO, DC, IA  CA, CO, DC, IA  $15.00  13. Default/Collection Costs: If you fail to pay any  payment, performance, or realization of collateral is 
         Protection Bureau  Paragraph 5 of the Retail Installment Credit Agreement for details.                                            No Interest If Paid in Full Plans. If any single purchase  or if we do not receive a required minimum payment within 60  writing. The arbitration shall be governed by the procedures  adjudicated by an arbitrator, upon which you and we agree in  need not apply federal, state or local rules of procedure  TX, VT, WY  ?rst presentment, (for residents of MD, second presentment),  resubmission), even if the check, instrument or electronic  is later honored, we may charge you a Returned Payment  HI, MA, MN, NC  1.5%  18%  FL, MT, NJ, TX  $25.00)  $25.00)  None  $15.00 
                            Paragraph 5 of the Retail Installment Credit Agreement for details.                                                                                                                                                                                                                                       $10.00 
                                                                          other ?nance charges, and other debits, and subtracting  other ?nance charges, and other debits, and subtracting 
                            To learn more about factors to consider when applying for or  any payments or other credits, as of the closing date for  that billing cycle. Balances subject to promotional terms  in which payments received (and if required by law, credits  No Interest If Paid in Full Plans. If any single purchase  full plan, you will pay no Interest on that balance if the  or if we do not receive a required minimum payment within 60  at the Regular APR from the promotional purchase date. After  DC, MD  2.0%  24%  minimum payment when due, or if the prospect of  have under state law to receive notice of and to cure such 
                                                                                                           in which payments received (and if required by law, credits  5. Calculation of Interest: In all states except MN and NM,  including any promotional plan balances, shown on your  of the designated promotional period, or if we do not receive  After the ?rst twelve (12) months, we will use the speci?ed  but not limited to initial claims, counterclaims, cross-claims,  directors and representatives of any of the foregoing, and  TX, VT, WY 
                                                                                                                                           is designated as purchased under a no interest if paid in        but not limited to initial claims, counterclaims, cross-claims,  fraud, and other intentional torts, statutes, regulations,  and rules of the Administrator and this Agreement, which  HI, MA, MN, NC  even if the check, instrument or electronic authorization  DC, MD  1.5%  2.0%  18%  24%  CA, CO, DC   DE, NM, TN, VT  $15.00  None  minimum payment when due, or if the prospect of  signi?cantly impaired, to the extent permitted by applicable 
         For Credit Card Tips from                                                                                                                                                                                                                                                                           CA, CO, DC  FL, MT, NJ, TX  $15.00  $10.00 
                            http://www.consumer?nance.gov/learnmore.      any payments or other credits, as of the closing date for  are promotional balances. We calculate the total of any  issued) by the due date equal or exceed the New Balance,  is designated as purchased under a no interest if paid in  promotional purchase is paid in full in the designated  days of its due date, Interest will be charged to your account  days of its due date, Interest will be charged to your account  the ?rst twelve (12) months, we will use the speci?ed reduced  and rules of the Administrator and this Agreement, which  writing. The arbitration shall be governed by the procedures  and evidence. The Administrator�s procedures and rules  DC, MD  even if the check, instrument or electronic authorization  authorization is later honored, we may charge you a Returned  Fee. Except as set forth for speci?ed states below, this fee is  2.0%  24%   DE, NM, TN, VT  GA  None  $25.00 
                                                                          any payments or other credits, as of the closing date for  that billing cycle. Balances subject to promotional terms              third-party claims, and claims based upon contract, tort,   DC, MD  MI, NY, OH, WV  2.0%  2.0825%  24.99%                        payment, performance, or realization of collateral is  default, we may declare the entire unpaid balance on the 
                                                                                                           issued) by the due date equal or exceed the New Balance,  we calculate Interest Charges using the average daily balance  billing statement. a required minimum payment within 60 days of its due date,  reduced APR (the �Promotional APR�), in lieu of the Regular  third-party claims, and claims based upon contract, tort,  other persons referred to below in the de?nition of �Claims�.  common law, and equity. Claims and remedies sought as  is later honored, we may charge you a Returned Payment  HI, MA, MN, NC  1.5%  24%  18%  DE, NM, TN, VT  GA  FL, MT, NJ, TX  None  $25.00  $10.00  payment, performance, or realization of collateral is  law it will be a default, and, subject to any right you may 
                            using a credit card, visit the website of the Consumer Financial                                               full plan, you will pay no Interest on that balance if the  full plan, you will pay no Interest on that balance if the  need not apply federal, state or local rules of procedure 
                                                                          that billing cycle. Balances subject to promotional terms        promotional time period (which may be 6 months, 12  at the Regular APR from the promotional purchase date. After  at the Regular APR from the promotional purchase date. After  APR (the �Promotional APR�), in lieu of the Regular APR, to  need not apply federal, state or local rules of procedure  and rules of the Administrator and this Agreement, which  may limit the discovery available to you or us. You can  MI, NY, OH, WV  is later honored, we may charge you a Returned Payment  up to $37.00. The fee charged generally will be the highest  HI, MA, MN, NC  2.0825%  1.5%  24.99%  18%  DE, NM, TN, VT  FL, MT, NJ, TX  None  $10.00 
                            To learn more about factors to consider when applying for or  that billing cycle. Balances subject to promotional terms  promotional balance by adding the promotional purchase  including any promotional plan balances, shown on your  fraud, and other intentional torts, statutes, regulations,  HI, MA, MN, NC  Payment Fee.  Except as set forth for speci?ed states below,  1.5%  1.75% to $499.99  18%  signi?cantly impaired, to the extent permitted by applicable  signi?cantly impaired, to the extent permitted by applicable  Account due and payable (except in WI you will not be  have under state law to receive notice of and to cure such 
         For Credit Card Tips from   For Credit Card Tips from   the Consumer Financial   To learn more about factors to consider when applying for or  are promotional balances. We calculate the total of any  including any promotional plan balances, shown on your  method (including current transactions). In MN and NM, we  Interest will be charged to your account at the Regular APR  APR, to calculate Interest for the next six (6) months.  The  fraud, and other intentional torts, statutes, regulations,  �Claim� includes claims of every kind and nature, including  part of a class action, private attorney general action, or  and evidence. The Administrator�s procedures and rules  HI, MA, MN, NC  Fee. Except as set forth for speci?ed states below, this fee is  1.5%  18%  FL, MT, NJ, TX  FL, MT, NJ, TX  IA $10.00  $10.00 
                                                                                                           5. Calculation of Interest: In all states except MN and NM,  promotional purchase is paid in full in the designated  the ?rst twelve (12) months, we will use the speci?ed reduced  and evidence. The Administrator�s procedures and rules  obtain a copy of an Administrator�s procedures and rules  Fee. Except as set forth for speci?ed states below, this fee is  amount permitted by law, subject to the speci?ed maximum.  MI, NY, OH, WV  1.75% to $499.99  2.0825%  24.99%  21%  GA  GA  $30.00
                                                                                                                                                                                                                                                                                                                                      $25.00  $25.00 
         Fees               Protection Bureau at:                         are promotional balances. We calculate the total of any  are promotional balances. We calculate the total of any  for that balance and subtracting any payments allocated  billing statement. promotional purchase is paid in full in the designated  months, or another period speci?ed in the promotion). If  the ?rst twelve (12) months, we will use the speci?ed reduced  calculate Interest for the next six (6) months. The Promotional  need not apply federal, state or local rules of procedure  this fee is up to $39.00.  The fee charged generally will  MI, NY, OH, WV  2.0825%  24.99%  law it will be a default, and, subject to any right you may 
                                                                          promotional balance by adding the promotional purchase  billing statement. calculate Interest Charges using the average daily balance  promotional time period (which may be 6 months, 12  from the promotional purchase date.  See Paragraph 3 for  Promotional APR will return to your Regular APR at the  common law, and equity. Claims and remedies sought as  common law, and equity. Claims and remedies sought as  but not limited to initial claims, counterclaims, cross-claims,  other representative action are subject to arbitration on an  MI, NY, OH, WV  up to $37.00. The fee charged generally will be the highest  NE  1.5% for $500.00 and  21%  Greater of 5% of amount past  in default until you fail to make a minimum payment on  default, we may declare the entire unpaid balance on the 
         Protection Bureau  using a credit card, visit the website of the Consumer Financial               we calculate Interest Charges using the average daily balance                                                                     may limit the discovery available to you or us. You can  NE  2.0825%  1.5% for $500.00 and  24.99%  GA  GA  $25.00  $25.00  law it will be a default, and, subject to any right you may 
         the Consumer Financial   using a credit card, visit the website of the Consumer Financial  promotional balance by adding the promotional purchase  promotional balance by adding the promotional purchase  to that promotional balance or other credits. You authorize  promotional time period (which may be 6 months, 12  the promotional purchase balance is not paid in full by the  APR (the �Promotional APR�), in lieu of the Regular APR, to  APR will return to your Regular APR at the expiration of the  may limit the discovery available to you or us. You can  by contacting the Administrator. A single, neutral arbitrator  MI, NY, OH, WV  up to $37.00. The fee charged generally will be the highest  This means that the fee generally will not exceed the amount 
                                                                                                                                                                            APR (the �Promotional APR�), in lieu of the Regular APR, to      and evidence. The Administrator�s procedures and rules  2.0825%  24.99%  18%  Greater of 5% of amount past  .00) 
         the Consumer Financial                                           for that balance and subtracting any payments allocated  method (excluding current transactions). We calculate  details.  Unless the promotion states that there is no separate  expiration of the six month period or if we do not receive a  part of a class action, private attorney general action, or  part of a class action, private attorney general action, or  be the highest amount permitted by law, subject to the  1.75% to $499.99  18% 
                                                                                                                                                                                                            third-party claims, and claims based upon contract, tort,  individual (non-class, non-representative) basis, and the  more 
                                                                                                                                                                                                                                             obtain a copy of an Administrator�s procedures and rules  amount permitted by law, subject to the speci?ed maximum.  1.75% to $499.99 
                                                                                                                                                                                                                                                                             of the required minimum payment due immediately prior  1.75% to $499.99  more  21%  IA IA ID 
                                                                                                                                                                                                                                                                                                             ID            $30.00 $30.00 due or $15.00 (but not to  have under state law to receive notice of and to cure such  have under state law to receive notice of and to cure such  two occasions within a twelve (12) month period). We  Account due and payable (except in WI you will not be 
                            http://www.consumer?nance.gov/learnmore.      for that balance and subtracting any payments allocated  us to allocate any payment or credit among your regular  5. Calculation of Interest: In all states except MN and NM,  5. Calculation of Interest: In all states except MN and NM,  months, or another period speci?ed in the promotion). If  due or $15.00 (but not to 
                                                                          for that balance and subtracting any payments allocated  method (including current transactions). In MN and NM, we  months, or another period speci?ed in the promotion). If  end of the designated promotional period, or if we do not  calculate Interest for the next six (6) months. The Promotional  calculate Interest for the next six (6) months. The Promotional  six month period or if we do not receive a required minimum  obtain a copy of an Administrator�s procedures and rules  may limit the discovery available to you or us. You can  will resolve Claims. The arbitrator will be either a lawyer with  amount permitted by law, subject to the speci?ed maximum.  1.75% to $499.99  21% 
                            Protection Bureau at:   Protection Bureau at:   to that promotional balance or other credits. You authorize  Interest separately for each balance on your Account subject  promotional minimum payment, the required minimum  required minimum payment within 60 days of its due date.  other representative action are subject to arbitration on an  other representative action are subject to arbitration on an  speci?ed maximum.  This means that the fee generally will  NE  NE  1.5% for $500.00 and  1.5% for $500.00 and  21%  21%  Greater of 5% of amount past  default, we may declare the entire unpaid balance on the 
        Annual Fee          None                                                                                                                                                                            fraud, and other intentional torts, statutes, regulations,  arbitrator may award relief only on an individual (non-class,  by contacting the Administrator. A single, neutral arbitrator  NE  NE  All other states   2.2491%  This means that the fee generally will not exceed the amount  to the date on which the payment is returned. In addition,  All other states   2.2491%  1.5% for $500.00 and  1.5% for $500.00 and  26.99%  18%  26.99%  Greater of 5% of amount past  exceed $39.00)  Greater of 5% of amount past  exceed $37 default, we may declare the entire unpaid balance on the  also may repossess any article of merchandise in which  in default until you fail to make a minimum payment on 
           Protection Bureau   Protection Bureau 
                                                                          to that promotional balance or other credits. You authorize  to that promotional balance or other credits. You authorize  and promotional balances, in any manner, including in a  we calculate Interest Charges using the average daily balance  we calculate Interest Charges using the average daily balance  calculate Interest Charges using the average daily balance  the promotional purchase balance is not paid in full by the  the promotional purchase balance is not paid in full by the  receive a required minimum payment within 60 days of its  APR will return to your Regular APR at the expiration of the  APR will return to your Regular APR at the expiration of the  payment within 60 days of its due date. See Paragraph 3 for  by contacting the Administrator. A single, neutral arbitrator  at least ten years experience or a retired or former judge,  This means that the fee generally will not exceed the amount 
                                                                                                                                                                                                                                             obtain a copy of an Administrator�s procedures and rules  not exceed the amount of the required minimum payment  18%  18%  Greater of 5% of amount past 
                                                                                                                                                                                                            individual (non-class, non-representative) basis, and the            more  more  more  18%                ID              due or $15.00 (but not to  .00)  .00)  Account due and payable (except in WI you will not be 
                                                                          us to allocate any payment or credit among your regular  to different terms (including APR and duration). We ?gure the  payment for the promotional balance will be the amount of  See Paragraph 3 for details.  The required minimum payment  individual (non-class, non-representative) basis, and the  common law, and equity. Claims and remedies sought as  non-representative) basis. �Claim� also includes claims by or  will resolve Claims. The arbitrator will be either a lawyer with  will resolve Claims. The arbitrator will be either a lawyer with  selected in accordance with the rules of the Administrator.  of the required minimum payment due immediately prior  of the required minimum payment due immediately prior  the ?rst time you make a payment that is returned, the fee  more  ID  ID  ID  due or $15.00 (but not to  Greater of 5% of amount past  due or $15.00 (but not to  Greater of 5% of amount past  Account due and payable (except in WI you will not be  we still retain a security interest, but we will do so only  two occasions within a twelve (12) month period). We 
                            http://www.consumer?nance.gov/learnmore.  http://www.consumer?nance.gov/learnmore.  us to allocate any payment or credit among your regular  us to allocate any payment or credit among your regular  manner that may be bene?cial to us, except where otherwise  method (including current transactions). In MN and NM, we  method (including current transactions). In MN and NM, we  method (excluding current transactions). We calculate  end of the designated promotional period, or if we do not  due date, Interest will be charged to your account at the  six month period or if we do not receive a required minimum  details. The required minimum payment for the promotional  due or $15.00 (but not to 
         Fees                                                                                                                              end of the designated promotional period, or if we do not  six month period or if we do not receive a required minimum  by contacting the Administrator. A single, neutral arbitrator  due immediately prior to the date on which the payment is  exceed $37 exceed $37 .00)  in default until you fail to make a minimum payment on  in default until you fail to make a minimum payment on  also may repossess any article of merchandise in which 
                                                                          and promotional balances, in any manner, including in a                                                                           arbitrator may award relief only on an individual (non-class,  against any third party relating to or arising from your Card,  All other states   2.2491% 
                                                                                                           calculate Interest Charges using the average daily balance  Interest Charges by applying the applicable monthly periodic  Interest separately for each balance on your Account subject  receive a required minimum payment within 60 days of its  the promotional purchase (less any down payment) divided  for the promotional balance will be 1/18th of the purchase  arbitrator may award relief only on an individual (non-class,  part of a class action, private attorney general action, or  at least ten years experience or a retired or former judge,  at least ten years experience or a retired or former judge,  In the event of any con?ict or inconsistency between this  All other states   2.2491%  All other states   2.2491%  to the date on which the payment is returned. In addition,  to the date on which the payment is returned. In addition,  will not exceed $27.00. If you make another payment that  All other states   2.2491%  26.99%  26.99%  26.99%  26.99%  IL, KY, WY  IL, KY, WY  exceed $39.00)  exceed $39.00)  due or $10.00 (but not to  due or $10.00 (but not to  in the manner and to the extent permitted by applicable 
                                                                          and promotional balances, in any manner, including in a  and promotional balances, in any manner, including in a  prohibited by applicable law. The total of your regular balance  calculate Interest Charges using the average daily balance  receive a required minimum payment within 60 days of its  Regular APR from the promotional purchase date. Unless  payment within 60 days of its due date. See Paragraph 3 for  payment within 60 days of its due date. See Paragraph 3 for  balance will be 1/18th of the promotional purchase multiplied  will resolve Claims. The arbitrator will be either a lawyer with  returned.  In addition, the ?rst time you make a payment 
         Penalty Fees                                                     manner that may be bene?cial to us, except where otherwise  rate to the �average daily balance� for that balance. To get the  by the promotional period, rounded up to the nearest $5.00  price (less any down payment) multiplied by 1.030 and  non-representative) basis. �Claim� also includes claims by or  non-representative) basis. �Claim� also includes claims by or  your Account, or this Agreement. The term �Claim� is to be  exceed $39.00) 
                                                                                                                                                                                                            other representative action are subject to arbitration on an  selected in accordance with the rules of the Administrator.  arbitration provision and the Administrator�s rules or other  the ?rst time you make a payment that is returned, the fee  the ?rst time you make a payment that is returned, the fee  is returned during the next six billing cycles, the fee will not  Greater of 5% of amount past  Greater of 5% of amount past  Greater of 5% of amount past  Greater of 5% of amount past  exceed $37 two occasions within a twelve (12) month period). We  two occasions within a twelve (12) month period). We  law. If the Account is referred to an attorney who is not  we still retain a security interest, but we will do so only 
         Fees  Fees         Up to $39. This fee varies by state. See Paragraph 11.B of the  manner that may be bene?cial to us, except where otherwise  manner that may be bene?cial to us, except where otherwise  and any promotional balances is the �New Balance� shown  method (excluding current transactions). We calculate  method (excluding current transactions). We calculate  to different terms (including APR and duration). We ?gure the  due date, Interest will be charged to your account at the  due date, Interest will be charged to your account at the  the promotion states that there is no separate promotional  details. The required minimum payment for the promotional  details. The required minimum payment for the promotional  by 1.030 and rounded up to the nearest $5.00, but not less  selected in accordance with the rules of the Administrator. 
                                                                                                                                                                                                                                             at least ten years experience or a retired or former judge, 
         Annual Fee             None                                                                       average daily balance for a balance, we take the beginning  increment.  For example, if the promotion is for 12 months,  rounded up to the nearest $5.00, but not less than $150.00  against any third party relating to or arising from your Card,  against any third party relating to or arising from your Card,  given the broadest possible meaning that will be enforced.  that is returned, the fee will not exceed $28.00.  If you make 
                                                                                                                                                                                                            individual (non-class, non-representative) basis, and the                                        IN 
                                                                                                                                                                                                                                             In the event of any con?ict or inconsistency between this  provisions of this Agreement, this arbitration provision will  will not exceed $27.00. If you make another payment that  will not exceed $27.00. If you make another payment that  exceed $37.00. IL, KY, WY  IL, KY, WY  IL, KY, WY  IL, KY, WY  IN  due or $10.00 (but not to  due or $10.00 (but not to  $19.00   due or $10.00 (but not to  due or $10.00 (but not to  .00)  .00)  also may repossess any article of merchandise in which  also may repossess any article of merchandise in which  in the manner and to the extent permitted by applicable 
                                                                          prohibited by applicable law. The total of your regular balance  prohibited by applicable law. The total of your regular balance  prohibited by applicable law. The total of your regular balance                                                                  our salaried employee and we bring a suit against you to 
                                                                          on your statement.               Interest separately for each balance on your Account subject  Interest separately for each balance on your Account subject  Interest Charges by applying the applicable monthly periodic                                   $18.50       st 
                                                                                                                                           Regular APR from the promotional purchase date. Unless  Regular APR from the promotional purchase date. Unless  minimum payment, the required minimum payment for the  balance will be 1/18th of the promotional purchase multiplied  balance will be 1/18th of the promotional purchase multiplied  than $150.00 or not less than $250.00, based on the terms  In the event of any con?ict or inconsistency between this 
                                                                                                                                                                                                                                             selected in accordance with the rules of the Administrator. 
         � Late Payment                                                                                                                    the required minimum payment is determined as follows:  or not less than $250.00, based on the terms of the offer.  your Account, or this Agreement. The term �Claim� is to be  your Account, or this Agreement. The term �Claim� is to be  arbitrator may award relief only on an individual (non-class,  �Administrator� means the American Arbitration Association,  govern. The arbitrator will take reasonable steps to protect  State  another payment that is returned during the next six billing  Maximum Returned  exceed $39.00)  Lesser of 5% of amount past  we still retain a security interest, but we will do so only  we still retain a security interest, but we will do so only  law. If the Account is referred to an attorney who is not 
                            Retail Installment Credit Agreement for details. and any promotional balances is the �New Balance� shown  and any promotional balances is the �New Balance� shown                                                                                is returned during the next six billing cycles, the fee will not  is returned during the next six billing cycles, the fee will not  exceed $39.00)  exceed $37 exceed $37   collect the amount you owe, in addition to the full amount 
                                                                          and any promotional balances is the �New Balance� shown  3. Your Regular Annual Percentage Rate: If Interest Charges  to different terms (including APR and duration). We ?gure the  to different terms (including APR and duration). We ?gure the  balance each day, add any new transactions (except we do  rate to the �average daily balance� for that balance. To get the  the promotion states that there is no separate promotional  the promotion states that there is no separate promotional  promotional balance will be the amount of the promotional  by 1.030 and rounded up to the nearest $5.00, but not less  by 1.030 and rounded up to the nearest $5.00, but not less  of the offer. arbitration provision and the Administrator�s rules or other  arbitration provision and the Administrator�s rules or other  State  Maximum Returned  ME  Lesser of 5% of amount pa
                                                                                                                                                                                                                                             In the event of any con?ict or inconsistency between this  cycles, the fee will not exceed $39.00. Payment Fee  ME  due or $10.00  in the manner and to the extent permitted by applicable  our salaried employee and we bring a suit against you to 
            Annual Fee Annual Fee None None                                                                not add in any new transactions in MN and NM); subtract  1/12th of the purchase price (less any down payment) and  The minimum payment will never be more than the remaining  given the broadest possible meaning that will be enforced.  given the broadest possible meaning that will be enforced.  non-representative) basis. �Claim� also includes claims by or  335 Madison Avenue, New York, NY 10017, www.adr.org, 
                                                                          on your statement. on your statement. average daily balance for a balance, we take the beginning  purchase divided by the promotional period, rounded up           provisions of this Agreement, this arbitration provision will  provisions of this Agreement, this arbitration provision will  customer account information and other con?dential  exceed $37.00. exceed $37.00. IN  IN  IN  $19.00   $19.00   in the manner and to the extent permitted by applicable 
                                                                          on your statement.               Interest Charges by applying the applicable monthly periodic                                                                                                                    Payment Fee                IN              $18.50   $18.50   due or $10.00 owed and any court costs, you agree to pay our reasonable  st  st 
           Penalty Fees                                                   (which are FINANCE CHARGES) are assessed during a billing  Interest Charges by applying the applicable monthly periodic  minimum payment, the required minimum payment for the  minimum payment, the required minimum payment for the  than $150.00 or not less than $250.00, based on the terms  than $150.00 or not less than $250.00, based on the terms 
                                                                                                                                                                            8. Payments: All payments must be mailed or delivered to  (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine,  arbitration provision and the Administrator�s rules or other  State  State  AK, KY, LA, ME, NH,  Maximum Returned  Maximum Returned  $37.00  Lesser of 10% of outstanding  law. If the Account is referred to an attorney who is not  law. If the Account is referred to an attorney who is not  collect the amount you owe, in addition to the full amount 
                            Up to $39. This fee varies by state. See Paragraph 11.A of the  Up to $37. This fee varies by state. See Paragraph 11.B of the  rate to the �average daily balance� for that balance. To get the  any payments or credits and any Late Payment Fees, any  balance each day, add any new transactions (except we do  rounded up to the nearest $5.00. However, if the promotion  to the nearest $5.00 increment. However, if the promotion  promotional purchase balance.  If the promotion states that  �Administrator� means the American Arbitration Association,  �Administrator� means the American Arbitration Association,  against any third party relating to or arising from your Card,  govern. The arbitrator will take reasonable steps to protect  govern. The arbitrator will take reasonable steps to protect  information if requested to do so by you or us. Arbitration 
                                                                                                                                                                                                                                                                              State  State  AK, KY, LA, ME, NH,  Maximum Returned  Maximum Returned  $39.00  ME  ME  MA  Lesser of 5% of amount past  Lesser of 5% of amount past 
                                                                                                                                                                                                                                                                                                                                      Lesser of 5% of amount pa Lesser of 5% of amount pa Lesser of 10% of outstanding      attorney�s fees to the extent permitted by applicable law. 
                                                                                                           rate to the �average daily balance� for that balance. To get the                                                                                                                                                                     
                                                                                                                                           promotional balance will be the amount of the promotional  promotional balance will be the amount of the promotional  of the offer. of the offer. ND, OH, SD, VA, WA, 
         � Returned Payment                                               3. Your Regular Annual Percentage Rate: If Interest Charges  3. Your Regular Annual Percentage Rate: If Interest Charges  cycle, we will use the following Annual Percentage Rate (the  provisions of this Agreement, this arbitration provision will 
                                                                          3. Your Regular Annual Percentage Rate: If Interest Charges                                       us at the address shown on the front of the billing statement  335 Madison Avenue, New York, NY 10017, www.adr.org,  335 Madison Avenue, New York, NY 10017, www.adr.org,  CA 92614, www.jamsadr.com, (949) 224-1810. hearings for Claims by or against you will take place in the  Payment Fee  Payment Fee  ME  ME  MA  due or $10.00  due or $10.00  balance or $10.00  our salaried employee and we bring a suit against you to  our salaried employee and we bring a suit against you to  owed and any court costs, you agree to pay our reasonable 
                                                                                                           average daily balance for a balance, we take the beginning  average daily balance for a balance, we take the beginning  Returned Payment Fees, and/or unpaid Interest Charges; 
                                                                          �Regular APR�) and corresponding monthly periodic rate,  not add in any new transactions in MN and NM); subtract  purchase divided by the promotional period, rounded up  purchase divided by the promotional period, rounded up  speci?es a minimum purchase amount, in no case will the  speci?es a minimum purchase amount, in no case will the  there is no separate promotional minimum payment, then the  your Account, or this Agreement. The term �Claim� is to be  customer account information and other con?dential  customer account information and other con?dential  WI  ND, OH, SD, VA, WA,  Payment Fee  Payment Fee  due or $10.00 due or $10.00 balance or $10.00 Notice to New Hampshire Residents: We will pay your 
         Penalty Fees  Penalty Fees  � Late Payment  Retail Installment Credit Agreement for details.     Retail Installment Credit Agreement for details. (which are FINANCE CHARGES) are assessed during a billing  (which are FINANCE CHARGES) are assessed during a billing  8. Payments: All payments must be mailed or delivered to  8. Payments: All payments must be mailed or delivered to  and accompanied by the payment slip. You must pay us in  (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine,  govern. The arbitrator will take reasonable steps to protect 
                                                                                                                                                                                                            (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine,  federal judicial district in which you reside. If you make a  AK, KY, LA, ME, NH,  AK, KY, LA, ME, NH,  $37.00  $37.00  $10.00 (except $5.00 if the  collect the amount you owe, in addition to the full amount  collect the amount you owe, in addition to the full amount  attorney�s fees to the extent permitted by applicable law. 
                                                                          (which are FINANCE CHARGES) are assessed during a billing                                                                                                                                                                                        Lesser of 10% of outstanding 
                                                                                                                                           minimum payment be less than the minimum purchase                                                                                                                               Lesser of 10% of outstanding 
                                                                                                                                                                            amount of the promotional balance will be included in your       information if requested to do so by you or us. Arbitration 
                            Up to $37. This fee varies by state. See Paragraph 11.B of the  Up to $37. This fee varies by state. See Paragraph 11.B of the  cycle, we will use the following Annual Percentage Rate (the  cycle, we will use the following Annual Percentage Rate (the  subject to any promotional terms: balance each day, add any new transactions (except we do  balance each day, add any new transactions (except we do  and make other adjustments. This gives us the daily balance.  any payments or credits and any Late Payment Fees, any  to the nearest $5.00 increment. However, if the promotion  to the nearest $5.00 increment. However, if the promotion  minimum payment be less than the minimum purchase  given the broadest possible meaning that will be enforced.  B. We OR you have the right to require that each Claim be  information if requested to do so by you or us. Arbitration  AL, AR, HI, KS, MN, 
                                                                                                                                                                                                                                                                        ND, OH, SD, VA, WA,    AK, KY, LA, ME, NH, 
                                                                                                                                                                            U.S. dollars drawn on funds on deposit in the United States      customer account information and other con?dential  ND, OH, SD, VA, WA,  AK, KY, LA, ME, NH,  WI  $30.00  $39.00  $39.00  MA  MA  MO  minimum payment is $5.00 to  Lesser of 10% of outstanding  Lesser of 10% of outstanding  $10.00 (except $5.00 if the  reasonable attorney�s fees if you prevail in a suit we bring   
                                                                                                                                                                                                                                                                                                                                             Notice to New Hampshire Residents: We will pay your   
                                                                          cycle, we will use the following Annual Percentage Rate (the  Then, we add up all the daily balances for the billing cycle and  Returned Payment Fees, and/or unpaid Interest Charges;  us at the address shown on the front of the billing statement  us at the address shown on the front of the billing statement  CA 92614, www.jamsadr.com, (949) 224-1810. balance or $10.00 
                                                                                                                                                                                                            CA 92614, www.jamsadr.com, (949) 224-1810.                                                                     balance or $10.00  owed and any court costs, you agree to pay our reasonable  owed and any court costs, you agree to pay our reasonable 
                                                                                                           not add in any new transactions in MN and NM); subtract  not add in any new transactions in MN and NM); subtract  speci?es a minimum purchase amount, in no case will the  hearings for Claims by or against you will take place in the  request to us in writing, we will temporarily advance to you  MT, SC, TN, TX    MA  MA 
                                                                          �Regular APR�) and corresponding monthly periodic rate,  �Regular APR�) and corresponding monthly periodic rate,  speci?es a minimum purchase amount, in no case will the  amount divided by the promotional period, which may  amount divided by the promotional period, which may  regular balance for the purpose of calculating your minimum  �Administrator� means the American Arbitration Association,  resolved by arbitration on an individual (non-class, non- hearings for Claims by or against you will take place in the  WI  WI  ND, OH, SD, VA, WA,  ND, OH, SD, VA, WA,  AL, AR, HI, IA,  KS, MN,  $30.00  MO  $24.99)  balance or $10.00 balance or $10.00 minimum payment is $5.00 to  against you or if you prevail in a suit you bring against us 
         � Late Payment                                                                                                                                                                                                                                                                                                                      reasonable attorney�s fees if you prevail in a suit we bring 
         � Late Payment     Retail Installment Credit Agreement for details. Retail Installment Credit Agreement for details. Up to $37. This fee varies by state. See Paragraph 11.A of the  using a check or similar instrument that will be processed  information if requested to do so by you or us. Arbitration      $10.00 (except $5.00 if the  $10.00 (except $5.00 if the  attorney�s fees to the extent permitted by applicable law.  attorney�s fees to the extent permitted by applicable law. 
                                                                          �Regular APR�) and corresponding monthly periodic rate,  any payments or credits and any Late Payment Fees, any  divide the total by the number of days in the billing cycle. This  and make other adjustments. This gives us the daily balance.  and accompanied by the payment slip. You must pay us in  and accompanied by the payment slip. You must pay us in  federal judicial district in which you reside. If you make a  the ?ling, administrative, and hearing fees for the arbitration 
                                                                                                                                           minimum payment be less than the minimum purchase 
        How We Will Calculate Your Balance: We use a method called �average daily balance (including new   � Returned Payment subject to any promotional terms: subject to any promotional terms: any payments or credits and any Late Payment Fees, any  minimum payment be less than the minimum purchase  shorten your repayment period in certain instances.  The  shorten your repayment period in certain instances. The  payment. B. We OR you have the right to require that each Claim be  B. We OR you have the right to require that each Claim be  120 Broadway, Floor 21, New York, NY 10271, www.adr.org,  representative) basis. A Claim will be arbitrated if (1) both we  federal judicial district in which you reside. If you make a  AL, AR, HI, KS, MN,  AL, AR, HI, KS, MN,  under this Agreement. If you successfully assert a partial 
                                                                                                                                                                                                                                                                        AZ, CO, IL, IN, MI, NV,  WI  WI  MT, SC, TN, TX    $30.00  $30.00  $25.00  Greater of 5% of amount past  $10.00 (except $5.00 if the  $24.99) 
                                                                                                                  State           Maximum Late Payment Fee                  U.S. dollars drawn on funds on deposit in the United States  and honored by your bank. Do not send cash payments. We  hearings for Claims by or against you will take place in the  of your Claim against us (but not if the Claim is against you)      MO  MO  minimum payment is $5.00 to  minimum payment is $5.00 to  $10.00 (except $5.00 if the 
                                                                                                                                                                            U.S. dollars drawn on funds on deposit in the United States                                                                                                      Notice to New Hampshire Residents: We will pay your 
                                                                                                                                                                                                                                             request to us in writing, we will temporarily advance to you                                    Notice to New Hampshire Residents: We will pay your  against you or if you prevail in a suit you bring against us 
                            Retail Installment Credit Agreement for details. subject to any promotional terms: We apply the  ANNUAL  Returned Payment Fees, and/or unpaid Interest Charges;  Returned Payment Fees, and/or unpaid Interest Charges;  gives us the average daily balance. Any negative daily balance  Then, we add up all the daily balances for the billing cycle and  amount divided by the promotional period, which may  amount divided by the promotional period, which may  minimum payment will never be more than the remaining  minimum payment will never be more than the remaining  resolved by arbitration on an individual (non-class, non- resolved by arbitration on an individual (non-class, non- (800) 778-7879; or JAMS, 18881 Von Karman Ave., Suite  and you or (2) only one or the other of we or you, exercise the  request to us in writing, we will temporarily advance to you  MT, SC, TN, TX    MT, SC, TN, TX   
                                                                           If you reside in                                                                                 8. Payments: All payments must be mailed or delivered to  can accept late or partial payments, as well as payments that  federal judicial district in which you reside. If you make a  NC, OK, RI, WV  AL, AR, HI, IA, 
                                                                                                                                                                                                                                             in excess of any ?ling fee you would have been required to  AL, AR, HI, IA,  KS, MN,  KS, MN,  $30.00  $30.00  NE  MO  $24.99)  due or $5.00 (but not to exceed  minimum payment is $5.00 to  Greater of 5% of amount past  defense or counterclaim, the court may withhold part or 
                                                                                                                                                                                                                                                                                                                      MO   $24.99)    minimum payment is $5.00 to  under this Agreement. If you successfully assert a partial 
        purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new  Up to $37. This fee varies by state. See Paragraph 11.A of the  Up to $37. This fee varies by state. See Paragraph 11.A of the  monthly  PERCENTAGE   will be treated as zero. If Interest Charges are imposed and  divide the total by the number of days in the billing cycle. This  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  using a check or similar instrument that will be processed  using a check or similar instrument that will be processed  reasonable attorney�s fees if you prevail in a suit we bring  reasonable attorney�s fees if you prevail in a suit we bring 
                                                                                                           and make other adjustments. This gives us the daily balance.  and make other adjustments. This gives us the daily balance.  shorten your repayment period in certain instances. The  shorten your repayment period in certain instances. The  promotional purchase balance.  If the promotion states that  promotional purchase balance. If the promotion states that  representative) basis. A Claim will be arbitrated if (1) both we  representative) basis. A Claim will be arbitrated if (1) both we  350, Irvine, CA 92612, www.jamsadr.com, (949) 224-1810. right to require that the Claim be arbitrated. If, for example,  the ?ling, administrative, and hearing fees for the arbitration  the ?ling, administrative, and hearing fees for the arbitration  AZ, CO, IL, IN, MI, NV,  $25.00  $39.00) 
         � Returned Payment                                                                                                                                                                                                                                                                                                                  all of any attorney�s fees to which we may be entitled.
         � Returned Payment                                                                                                                                                                                                                                                   MT, SC, TN, TX                                                 defense or counterclaim, the court may withhold part or 
                                                                           the state of:                                                                                                                                                                                      MT, SC, TN, TX                          NE              $24.99)  due or $5.00 (but not to exceed 
                                                                                                           gives us the average daily balance. Any negative daily balance  State  Maximum Late Payment Fee   there is no separate promotional minimum payment, then  there is no separate promotional minimum payment, then  and honored by your bank. Do not send cash payments. We  us at the address shown on the front of the billing statement  re?ect �paid in full� or other restrictive endorsements, without  Greater of 5% of amount past  Greater of 5% of amount past  $24.99)  against you or if you prevail in a suit you bring against us 
                                                                                                           the total Interest that results from application of the above  State  Maximum Late Payment Fee   and honored by your bank. Do not send cash payments. We  we exercise our right to require that the Claim be resolved by  of your Claim against us (but not if the Claim is against you)  request to us in writing, we will temporarily advance to you  pay to ?le the Claim in a state or federal court (whichever is  AZ, CO, IL, IN, MI, NV,  AZ, CO, IL, IN, MI, NV,  CA, MD, MO  NC, OK, RI, WV  $25.00  $25.00  $15.00  against you or if you prevail in a suit you bring against us 
                                                                                                                                                                                                                                             of your Claim against us (but not if the Claim is against you)                $10.00 (except $5.00 if the 
        purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details. Retail Installment Credit Agreement for details. We apply the  We apply the  periodic rate of:   ANNUAL  ANNUAL  RATE  Then, we add up all the daily balances for the billing cycle and  Then, we add up all the daily balances for the billing cycle and  MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99  minimum payment will never be more than the remaining 
        How We Will Calculate Your Balance: We use a method called �average daily balance (including new  Retail Installment Credit Agreement for details. minimum payment will never be more than the remaining 
                                                                           If you reside in                                                                                 can accept late or partial payments, as well as payments that  and accompanied by the payment slip or otherwise made in  losing any of our rights under this Agreement. We credit your  and you or (2) only one or the other of we or you, exercise the  and you or (2) only one or the other of we or you, exercise the 
                                                                                                                                                                            can accept late or partial payments, as well as payments that  B. We OR you have the right to require that each Claim be  in excess of any ?ling fee you would have been required to  the ?ling, administrative, and hearing fees for the arbitration  NC, OK, RI, WV  NE  due or $5.00 (but not to exceed 
                                                                           If you reside in                                                                                                                                                  less) in the judicial district in which you reside. At the end of  NC, OK, RI, WV  NE  due or $5.00 (but not to exceed  Greater of 5% of amount past  $37.00)  under this Agreement. If you successfully assert a partial  all of any attorney�s fees to which we may be entitled.
                                                                                                           will be treated as zero. If Interest Charges are imposed and                                                                                                                                                                      under this Agreement. If you successfully assert a partial 
                                                                                    monthly    PERCENTAGE   divide the total by the number of days in the billing cycle. This  the amount of the promotional balance will be included in 
                                                                                                           divide the total by the number of days in the billing cycle. This  calculation to each balance is less than $1.00, we will impose  AK, AR, CT, HI, LA, MD, MI,  OH, OR, PA, SD, WI  $37.00 (except $29.00 if the  or less)  promotional purchase balance. If the promotion states that  the amount of the promotional balance will be included in  right to require that the Claim be arbitrated. If, for example,  arbitration but you do not also exercise your right to require  in excess of any ?ling fee you would have been required to  CT, ID, IA, NJ, NY, UT  AZ, CO, IL, IN, MI, NV,  $20.00 
                                                                                                                                                                                                                                                                              AZ, CO, IL, IN, MI, NV,  $25.00                         Greater of 5% of amount past 
                                                                                                                                                                                                                                                                                           $25.00            NC            $39.00)  outstanding balance is under  14. Down Payments, Limiting Your Credit, or Closing 
                                                                                    monthly    PERCENTAGE         AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  promotional purchase balance. If the promotion states that                                       CA, MD, MO   $15.00                          $39.00) 
        purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new  the state of:                                             re?ect �paid in full� or other restrictive endorsements, without  accordance with the instructions on the billing statement.  payments in accordance with our payment instructions on the  right to require that the Claim be arbitrated. If, for example, 
                                                                                                                                                                            re?ect �paid in full� or other restrictive endorsements, without  resolved by arbitration on an individual (non-class, non- of your Claim against us (but not if the Claim is against you)  the arbitration, the arbitrator will decide if you have to repay  NE  due or $5.00 (but not to exceed  $10.00 (except $5.00 if the   balance is under  defense or counterclaim, the court may withhold part or  defense or counterclaim, the court may withhold part or 
                                                                           the state of:                   the total Interest that results from application of the above 
                                                                                    1.75% to $750.00   21%  gives us the average daily balance. Any negative daily balance  a minimum Interest Charge of $1.00 (which is a FINANCE  your regular balance for the purpose of calculating your 
                                                                                                                  MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99  there is no separate promotional minimum payment, then  your regular balance for the purpose of calculating your  we exercise our right to require that the Claim be resolved by  that the Claim be arbitrated, the Claim will be resolved by  pay to ?le the Claim in a state or federal court (whichever is  CA, MD, MO  CA, MD, MO  FL  NC, OK, RI, WV  $15.00  $15.00  Greater of 5% of amount of  NE  $100.00)  due or $5.00 (but not to exceed  Your Account: You have the right to close your Account  14. Down Payments, Limiting Your Credit, or Closing 
        Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is                                                                                                                               pay to ?le the Claim in a state or federal court (whichever is 
                                                                                    periodic rate of:   periodic rate of:   RATE  RATE  gives us the average daily balance. Any negative daily balance  5% of amount past due but not 
                                                                           AL                                                     outstanding balance is $249.99  there is no separate promotional minimum payment, then                                                      NC, OK, RI, WV 
                                                                                                                  MN, MS, NV, NH, NY, ND,                                   losing any of our rights under this Agreement. We credit your  You must pay us in U.S. dollars drawn on funds on deposit  billing statement. we exercise our right to require that the Claim be resolved by  the advance (and if you do have to repay, you agree to do  CT, ID, NJ, NY, UT  $20.00  NC  $10.00 (except $5.00 if the  $10.00 (except $5.00 if the  outstanding all of any attorney�s fees to which we may be entitled.
        How We Will Calculate Your Balance: We use a method called �average daily balance (including new  How We Will Calculate Your Balance: We use a method called �average daily balance (including new  purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details. will be treated as zero. If Interest Charges are imposed and  CHARGE); except in MI, MO, NY, TN, and TX, where we will  calculation to each balance is less than $1.00, we will impose  the amount of the promotional balance will be included in  minimum payment. minimum payment. losing any of our rights under this Agreement. We credit your  representative) basis. A Claim will be arbitrated if (1) both we  in excess of any ?ling fee you would have been required to  $37.00) 
                                                                                                                                                                                                            arbitration. If neither we nor you request arbitration, the Claim  less) in the judicial district in which you reside. At the end of  CT, ID, IA, NJ, NY, UT  $20.00  payment or $25.00 (max  The greater of 5% of the unpaid  $37.00)  all of any attorney�s fees to which we may be entitled.
                                                                                    1.5% over $750.00  18%  will be treated as zero. If Interest Charges are imposed and  OH, OR, PA, SD, WI  or less)  the amount of the promotional balance will be included in  arbitration but you do not also exercise your right to require  less) in the judicial district in which you reside. At the end of 
                                                                                                                                                                                                            arbitration but you do not also exercise your right to require  CT, ID, IA, NJ, NY, UT  $20.00   NC            outstanding balance is under  at any time, for any reason. You will still be liable for any  Your Account: You have the right to close your Account 
                                                                                                                                                                                                                                                                                                             NC            outstanding balance is under 
        provided in your Retail Installment Credit Agreement.                                                     OH, OR, PA, SD, WI  AL  or less)  more than $37.00 and not less  payments in accordance with our payment instructions on the  in the United States using a check, electronic authorization  so). Unless applicable law requires otherwise, we will pay  CA, MD, MO  $37.00)  $15.00  $100.00) 
        purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new  the total Interest that results from application of the above  impose a minimum Interest Charge of $0.70 (which is a  a minimum Interest Charge of $1.00 (which is a FINANCE  your regular balance for the purpose of calculating your  payments in accordance with our payment instructions on the  9. Legal Notices: All notices, including notices relating to  and you or (2) only one or the other of we or you, exercise the 
                                                                                                                                                                                                            will not be resolved by arbitration and instead will be litigated  the arbitration, the arbitrator will decide if you have to repay  pay to ?le the Claim in a state or federal court (whichever is  CA, MD, MO  FL  $15.00   balance is under 
        purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new                                                                                            that the Claim be arbitrated, the Claim will be resolved by  the arbitration, the arbitrator will decide if you have to repay  FL  FL  Greater of 5% of amount of  Greater of 5% of amount of  OK  $100.00)  amount of the installment or  $10.00 (except $5.00 if the  $10.00 (except $5.00 if the   balance is under 
                                                                                    1.75% to $750.00   21%  the total Interest that results from application of the above                                                                                                                                                                    14. Down Payments, Limiting Your Credit, or Closing  balances owed. We may limit or terminate the use of your  at any time, for any reason. You will still be liable for any 
        Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is  1.75% to $750.00   21%  5% of amount past due but not  than $18.00  your regular balance for the purpose of calculating your                                                                               $100.00) 
                                                                                                           CHARGE); except in MI, MO, NY, TN, and TX, where we will  5% of amount past due but not  Reduced Rate Plans. If any single purchase is designated as  Reduced Rate Plans. If any single purchase is designated as  billing statement. or similar instrument that will be processed and honored by  that the Claim be arbitrated, the Claim will be resolved by  our, and you will pay your, lawyers�, experts�, and witnesses�  GA  Greater of 5% of amount of 
                                                                           AL  AR   1.4167%    17%                                                                          billing statement. legal actions, bankruptcy notices, and any notice to us that  right to require that the Claim be arbitrated. If, for example, 
                                                                                                                                                                                                            in court. We will not elect arbitration for any Claim you ?le  the advance (and if you do have to repay, you agree to do  less) in the judicial district in which you reside. At the end of 
                                                                                                                                                                                                                                             the advance (and if you do have to repay, you agree to do  CT, ID, NJ, NY, UT  Greater of 5% of amount of  14. Down Payments, Limiting Your Credit, or Closing 
                                                                           AL                              calculation to each balance is less than $1.00, we will impose  FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  minimum payment. arbitration. If neither we nor you request arbitration, the Claim  CT, ID, NJ, NY, UT  payment or $25.00 (max  $20.00  $20.00  payment or $25.00 (max  NC  $25.00 (not to exceed $39.00)  outstanding The greater of 5% of the unpaid  balances owed. We may limit or terminate the use of your 
        purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details.                                                                                                                                                                                                                       NC              outstanding
                                                                                                           calculation to each balance is less than $1.00, we will impose  minimum payment. purchased under a reduced rate plan, we will calculate the                                                                     The greater of 5% of the unpaid 
                                                                                                                                                                                                            arbitration. If neither we nor you request arbitration, the Claim  fees. The arbitrator will apply applicable substantive law  payment or $25.00 (max  The greater of 5% of the unpaid  Your Account: You have the right to close your Account  Account and/or raise or lower your credit limit at any 
        purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details. STERLING FAMILY OF JEWELERS� RETAIL INSTALLMENT CREDIT AGREEMENT provided in your Retail Installment Credit Agreement. 1.5% over $750.00  1.5% over $750.00  18%  18%  impose a minimum Interest Charge of $0.70 (which is a  AL  purchased under a reduced rate plan, we will calculate the  your bank.  Do not send cash payments.  We can accept late  we exercise our right to require that the Claim be resolved by  the arbitration, the arbitrator will decide if you have to repay  RI  $12.00 
                                                                                                                  AL              more than $37.00 and not less  more than $37.00 and not less  $10.00 (except $5.00 if the  you are represented by counsel in connection with your debt  in small claims court, so long as the Claim is individual and  so). Unless applicable law requires otherwise, we will pay  FL  $37.00)  $39.00) 
                                                                                                                                                                                                                                             so). Unless applicable law requires otherwise, we will pay  $37.00)  Greater of 5% of amount of  OK  OK  amount of the installment or  $100.00)  $100.00)  amount of the installment or  Your Account: You have the right to close your Account  37.00) 
                                                                           CO, GA,                         a minimum Interest Charge of $1.00 (which is a FINANCE  a minimum Interest Charge of $1.00 (which is a FINANCE  MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  Interest for the promotional balance by using an APR that  9. Legal Notices: All notices, including notices relating to  9. Legal Notices: All notices, including notices relating to  will not be resolved by arbitration and instead will be litigated  FL  $37.00)  Greater of 5% of amount of  OK  amount of the installment or  at any time, for any reason. You will still be liable for any  time and for any reason without advance notice to you.  Account and/or raise or lower your credit limit at any 
                                                                                                                  AZ, KS          than $18.00  minimum payment is $5.00 to  Reduced Rate Plans. If any single purchase is designated as  Interest for the promotional balance by using an APR that  or partial payments, as well as payments that re?ect �paid in  will not be resolved by arbitration and instead will be litigated  arbitration but you do not also exercise your right to require  our, and you will pay your, lawyers�, experts�, and witnesses�  the advance (and if you do have to repay, you agree to do  consistent with the FAA and applicable statutes of limitations,  at any time, for any reason. You will still be liable for any 
        Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is  Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is  In this Sterling Family of Jewelers �  Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer to any  CHARGE); except in MI, MO, NY, TN, and TX, where we will  a minimum Interest Charge of $0.50 (which is a FINANCE  FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  than $18.00  Reduced Rate Plans. If any single purchase is designated as  to us, must be sent to us at Genesis FS Card Services, P.O. Box  pending only in that court. The arbitrator�s authority to resolve  GA  5% of amount past due, but not 
                                                                           AR       1.4167%    17%                                                                          legal actions, bankruptcy notices, and any notice to us that     our, and you will pay your, lawyers�, experts�, and witnesses�  GA  GA  Greater of 5% of amount of  Greater of 5% of amount of  payment or $25.00 (max  Greater of 5% of amount of  $25.00 (not to exceed $39.00)  $24.50 (not to exceed $ time and for any reason without advance notice to you. 
                                                                           AR  MS, OK, TN,  1.4167%  1.75%  17%  21%  CHARGE); except in MI, MO, NY, TN, and TX, where we will  purchased under a reduced rate plan, we will calculate the  is less than your Regular APR (the �Promotional APR�), in  is less than your Regular APR (the �Promotional APR�), in  The greater of 5% of the unpaid 
                                                                                                                                                                            legal actions, bankruptcy notices, and any notice to us that  in court. We will not elect arbitration for any Claim you ?le 
                                                                                                                                                                            full� or other restrictive endorsements, without losing any of  in court. We will not elect arbitration for any Claim you ?le  will honor claims of privilege recognized at law, and will have  OR  $35.00  payment or $25.00 (max  $25.00 (not to exceed $39.00)  On some transactions, we may require a down payment. 
                                                                                                                                                                                                                                                                                                             SC            more than $18.50 and not less  The greater of 5% of the unpaid  balances owed. We may limit or terminate the use of your  balances owed. We may limit or terminate the use of your 
        provided in your Retail Installment Credit Agreement.                                              impose a minimum Interest Charge of $0.70 (which is a  MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose 
        person who signs the Application for this Account or this Agreement, or has requested and is issued a Sterling Family of Jewelers  KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT CHARGE). Furthermore, there is no minimum Interest Charge  $10.00 (except $5.00 if the  $25.00)  purchased under a reduced rate plan, we will calculate the  4485, Beaverton, OR 97076-4485. If these notices are sent to  that the Claim be arbitrated, the Claim will be resolved by  Claims is limited to Claims between you and us alone, and  fees. The arbitrator will apply applicable substantive law  so). Unless applicable law requires otherwise, we will pay  payment or $30.00 (max 
                                                                                                                                                                            you are represented by counsel in connection with your debt  in small claims court, so long as the Claim is individual and  fees. The arbitrator will apply applicable substantive law  RI 
                                                                                                                                                                                                                                                                        DC, DE, MA, MS, NE,  None  $39.00)  $39.00)  RI  OK  RI  $12.00  $12.00  amount of the installment or  $12.00 
        provided in your Retail Installment Credit Agreement.                                                                                                                                                                                                                                                                                Account and/or raise or lower your credit limit at any  37.00)   but not 
                                                                                                                                                                                                                                                                                                                                             Some purchases will require our prior authorization, in  On some transactions, we may require a down payment.  37.00) 
                                                                           CO, GA,   TX, VT, WY            impose a minimum Interest Charge of $0.70 (which is a  $10.00 (except $5.00 if the 
                                                                                                                                           Interest for the promotional balance by using an APR that  lieu of the Regular APR during the speci?ed promotional  lieu of the Regular APR during the speci?ed promotional  you are represented by counsel in connection with your debt  our rights under this Agreement.  We credit your payments  in small claims court, so long as the Claim is individual and  OK 
                                                                                                                                                                                                            arbitration. If neither we nor you request arbitration, the Claim  our, and you will pay your, lawyers�, experts�, and witnesses�  the power to award to a party any damages or other relief  $37.00)  $39.00)  than $7.40   amount of the installment or 
                                                                                                                                                                                                                                             consistent with the FAA and applicable statutes of limitations,                                 Account and/or raise or lower your credit limit at any 
                                                                           CO, GA,  
        credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., doing business under each of the following brands: J.B. Robinson  FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  a minimum Interest Charge of $0.50 (which is a FINANCE  AZ, KS  CA, CO, DC, IA  minimum payment is $5.00 to  $15.00  Interest for the promotional balance by using an APR that  to us, must be sent to us at Genesis FS Card Services, P.O. Box  any other address, it will not satisfy any notice requirement 
                                                                                                           in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us                                          the arbitrator�s authority to make awards or decisions is 
                                                                                                                                           period (which may be 6 months, 12 months, or some other          pending only in that court. The arbitrator�s authority to resolve  consistent with the FAA and applicable statutes of limitations,  NM, PA, VT, WY  GA  $37.00)  Greater of 5% of amount of  5% of amount past due, but not  18.00 and not less  Some purchases will require our prior authorization, in 
                                                                                                           FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  AZ, KS  minimum payment is $5.00 to  to us, must be sent to us at Genesis FS Card Services, P.O. Box  pending only in that court. The arbitrator�s authority to resolve  provided for under applicable law. The arbitrator will make  OR  GA  $35.00  Greater of 5% of amount of  5% of amount past due, but not  $24.50 (not to exceed $ 5% of amount past due, time and for any reason without advance notice to you.  which case you may be asked to provide identi?cation. 
                                                                           MS, OK, TN,  1.75%  21%                                                                                                                                                                                                                                    $24.50 (not to exceed $
                                                                           MS, OK, TN,  DC, MD  1.75%  2.0%  21%  24%  CHARGE). Furthermore, there is no minimum Interest Charge  is less than your Regular APR (the �Promotional APR�), in 
                                                                                                                                           is less than your Regular APR (the �Promotional APR�), in  period (which may be 6 months, 12 months, or some other  in accordance with our payment instructions on the billing 
        In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer                                    under this Agreement or any other legal requirement that you  will not be resolved by arbitration and instead will be litigated                Greater of 5% of amount past  time and for any reason without advance notice to you. 
                                                                                                           MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  DE, NM, TN, VT  $25.00)  None  4485, Beaverton, OR 97076-4485. If these notices are sent to  Claims is limited to Claims between you and us alone, and  limited to you and us alone. Furthermore, Claims between  will honor claims of privilege recognized at law, and will have  fees. The arbitrator will apply applicable substantive law  OR  OR  $35.00  $35.00  SC  more than $18.50 and not less 
        KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT Jewelers, Marks & Morgan Jewelers, Shaw�s Jewelers, Belden Jewelers, Osterman Jewelers, Weis?eld Jewelers, LeRoy�s Jewelers,  MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  to round any calculation used to determine Interest Charges,  will honor claims of privilege recognized at law, and will have  payment or $30.00 (max 
                                                                                                                                  $25.00)  period speci?ed by us). The Promotional APR will return to                                        any award in writing and, if requested by you or us, will  payment or $30.00 (max  SC  UT  RI  SC  more than $18.50 and not less  $12.00  more than $    which case you may be asked to provide identi?cation. 
                                                                                                                                                                                                                                                                                                                           due or $30.00 (but not to  On some transactions, we may require a down payment.  If our authorization system is not working, we may   but not 
        KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT TX, VT, WY                                                lieu of the Regular APR during the speci?ed promotional  period speci?ed by us). The Promotional APR will return to  4485, Beaverton, OR 97076-4485. If these notices are sent to  statement. Claims is limited to Claims between you and us alone, and  in court. We will not elect arbitration for any Claim you ?le  RI  $12.00  On some transactions, we may require a down payment.   but not 
        to any person who signs the Application for this Account or this Agreement, or has requested and is issued a Kay Jewelers and Kay  TX, VT, WY  HI, MA, MN, NC  1.5%  18%  in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us 
                                                                                                           a minimum Interest Charge of $0.50 (which is a FINANCE  lieu of the Regular APR during the speci?ed promotional  provide notice to us.
                                                                                                                                                                            any other address, it will not satisfy any notice requirement  you and us may not be joined or consolidated in arbitration  the power to award to a party any damages or other relief  consistent with the FAA and applicable statutes of limitations,  DC, DE, MA, MS, NE,  None  than $7.40   If our authorization system is not working, we may 
        Rogers Jewelers, and Goodman Jewelers, P.O. Box 3680, Akron, OH 44309-3680 (these brands make up the �Sterling Family of  a minimum Interest Charge of $0.50 (which is a FINANCE  including rounding that may cause minor variations in our  CA, CO, DC, IA  FL, MT, NJ, TX  $15.00  $10.00  your Regular APR at the expiration of the promotional period  any other address, it will not satisfy any notice requirement  the arbitrator�s authority to make awards or decisions is  the power to award to a party any damages or other relief  DC, DE, MA, MS, NE,  DC, DE, MA, MS, NE,  None  $39.00)  None  than $7.40   than $7.20
                                                                                                                  CA, CO, DC, IA  $15.00   period (which may be 6 months, 12 months, or some other          the arbitrator�s authority to make awards or decisions is  provide a brief statement of the reasons for the award. NM, PA, VT, WY  $39.00)  exceed $39.00)  5% of amount past due, 18.00 and not less  Some purchases will require our prior authorization, in 
                                                                                                                                                                                                                                                                                                                                            18.00 and not less  Some purchases will require our prior authorization, in  not be able to authorize a transaction, even if you have 
        Jewelers Outlet credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O.  � DC, MD  2.0%  24%  to round any calculation used to determine Interest Charges,  your Regular APR at the expiration of the promotional period  in small claims court, so long as the Claim is individual and  with Claims brought by or against someone other than you,  provided for under applicable law. The arbitrator will make  will honor claims of privilege recognized at law, and will have  NM, PA, VT, WY  NM, PA, VT, WY  Greater of 5% of amount past  5% of amount past due, not be able to authorize a transaction, even if you have 
        In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer  CHARGE). Furthermore, there is no minimum Interest Charge  period (which may be 6 months, 12 months, or some other  provided for under applicable law. The arbitrator will make  OR  $35.00 
        In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer  Jewelers �), its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or any amount due on your  DC, MD  2.0%  24%  CHARGE). Furthermore, there is no minimum Interest Charge  favor. The applicable monthly periodic rate for a balance is  DE, NM, TN, VT  GA  None  $25.00  or if we do not receive a required minimum payment within  under this Agreement or any other legal requirement that you  9. Legal Notices: All notices, including notices relating to  10. Arbitration for Disputes � No Jury Trials or Class  limited to you and us alone. Furthermore, Claims between  Greater of 5% of amount past  Greater of 5% of amount past     which case you may be asked to provide identi?cation. 
        Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or  IN, MI, NY, OH, WV  2.0825%  24.99%                                                                                                      OR           $35.00                     SC   5% of amount of installment (but  more than $ suf?cient available credit. We will not be liable to you if 
                                                                                                           including rounding that may cause minor variations in our  DE, NM, TN, VT  None  period speci?ed by us). The Promotional APR will return to 
                                                                                                                                           period speci?ed by us). The Promotional APR will return to  or if we do not receive a required minimum payment within  under this Agreement or any other legal requirement that you  limited to you and us alone. Furthermore, Claims between  pending only in that court. The arbitrator�s authority to resolve  unless otherwise agreed to in writing by all parties. However,  any award in writing and, if requested by you or us, will  UT  VA  SC  due or $30.00 (but not to  more than $    which case you may be asked to provide identi?cation. 
        to any person who signs the Application for this Account or this Agreement, or has requested and is issued a Kay Jewelers and Kay                                                                                                    any award in writing and, if requested by you or us, will  the power to award to a party any damages or other relief  E. Judgment upon the arbitrator�s award may be entered in  UT  due or $30.00 (but not to  .00)  suf?cient available credit. We will not be liable to you if 
        to any person who signs the Application for this Account or this Agreement, or has requested and is issued a Kay Jewelers and Kay  Account may be assigned. �Account� means the Account that will be established and governed by this Agreement. �Authorized  HI, MA, MN, NC  1.5%  18%  in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us 
                                                                                                           in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us  the applicable Annual Percentage Rate divided by twelve (12),  FL, MT, NJ, TX  $10.00  60 days of its due date. See Paragraph 3 for details. Unless  provide notice to us. legal actions, bankruptcy notices, and any notice to us that  Actions: This paragraph describes how all Claims (as de?ned  you and us may not be joined or consolidated in arbitration  DC, DE, MA, MS, NE,  None  UT  not to exceed $39.00)  than $7.20 due or $30.00 (but not to  If our authorization system is not working, we may  this happens. We are not responsible for the refusal of 
        any amount due on your Account may be assigned. �Account� means your Kay Jewelers and Kay Jewelers Outlet Account, which  HI, MA, MN, NC  1.5%  1.75% to $499.99  18%  favor. The applicable monthly periodic rate for a balance is  Greater of 5% of amount past  your Regular APR at the expiration of the promotional period  60 days of its due date. See Paragraph 3 for details. Unless  provide notice to us. you and us may not be joined or consolidated in arbitration  provide a brief statement of the reasons for the award. DC, DE, MA, MS, NE,  None  exceed $39.00)  If our authorization system is not working, we may 
        Jewelers Outlet credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O.  to round any calculation used to determine Interest Charges,  and rounded to the fourth decimal place. FL, MT, NJ, TX  $10.00  your Regular APR at the expiration of the promotional period  Claims is limited to Claims between you and us alone, and  applicants, co-applicants, authorized users on a single  provided for under applicable law. The arbitrator will make  any court with jurisdiction. The arbitrator�s decision regarding  We will add any Returned Payment Fee to your Account�s  than $7.20 this happens. We are not responsible for the refusal of 
                                                                                               21%                                         the promotion states that there is no separate promotional  you are represented by counsel in connection with your debt  in subparagraph A below) will be arbitrated, at the election of  with Claims brought by or against someone other than you,  provide a brief statement of the reasons for the award. exceed $39.00)  exceed $37 not be able to authorize a transaction, even if you have 
        Jewelers Outlet credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O.  User� means any person you permit to use your Account or who has apparent authority to do so. �Card� means any access  will be governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has apparent  to round any calculation used to determine Interest Charges,  NM, PA, VT, WY  $39.00 (except 10% of the  Greater of 5% of amount past  anyone to accept or honor a Card associated with this 
        Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or  IN, MI, NY, OH, WV  NE  1.5% for $500.00 and  the applicable Annual Percentage Rate divided by twelve (12),  GA  ID  $25.00  due or $15.00 (but not to  or if we do not receive a required minimum payment within  the promotion states that there is no separate promotional  10. Arbitration for Disputes � No Jury Trials or Class  with Claims brought by or against someone other than you,  the arbitrator�s authority to make awards or decisions is  Account, or corporate af?liates are considered one person  any award in writing and, if requested by you or us, will  any claims will be ?nal and binding, except for any appeal  regular balance. NM, PA, VT, WY  5% of amount of installment (but  not be able to authorize a transaction, even if you have 
                                                                                    2.0825%    24.99%                                                                                                                                                                                                                                        anyone to accept or honor a Card associated with this 
                                                                                                           including rounding that may cause minor variations in our  GA  $25.00  or if we do not receive a required minimum payment within  minimum payment, the required minimum payment for  10. Arbitration for Disputes � No Jury Trials or Class  to us, must be sent to us at Genesis FS Card Services, P.O. Box  you or us, on an individual (non-class, non-representative)  unless otherwise agreed to in writing by all parties. However,  E. Judgment upon the arbitrator�s award may be entered in  VA  5% of amount of installment (but  average daily balance for prior  Greater of 5% of amount past  suf?cient available credit. We will not be liable to you if  .00) 
        Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or  device or method by which the Account may be accessed, including the Account number. �APR� means Annual Percentage Rate.  IN, MI, NY, OH, WV  2.0825%  24.99% 
        authority to do so. �Card� means any access device or method by which the Account may be accessed, including the Account  18%  including rounding that may cause minor variations in our  6. Minimum Payment: You agree to pay at least the  and rounded to the fourth decimal place. exceed $37.00)  60 days of its due date. See Paragraph 3 for details. Unless  minimum payment, the required minimum payment for  Actions: This paragraph describes how all Claims (as de?ned  unless otherwise agreed to in writing by all parties. However,  E. Judgment upon the arbitrator�s award may be entered in  right under FAA. The appealing party will pay the appeal costs.  5% of amount of installment (but  .00) 
                                                                                    more                   favor. The applicable monthly periodic rate for a balance is  Greater of 5% of amount past  60 days of its due date. See Paragraph 3 for details. Unless  Actions: This paragraph describes how all Claims (as de?ned  limited to you and us alone. Furthermore, Claims between  for the purposes of this paragraph. No arbitration award  any court with jurisdiction. The arbitrator�s decision regarding  provide a brief statement of the reasons for the award. We will add any Returned Payment Fee to your Account�s  B. Late Payment Fee: If we do not receive your minimum    VA  UT  not to exceed $39.00)  due or $30.00 (but not to  Account. All Cards we issue remain our property and, if 
        any amount due on your Account may be assigned. �Account� means your Kay Jewelers and Kay Jewelers Outlet Account, which                                                                                                                                                                             WA       UT  VA  not to exceed $39.00)  30-day period, but not less than  due or $30.00 (but not to  .00)  suf?cient available credit. We will not be liable to you if  Account. All Cards we issue remain our property and, if 
                                                                                    1.75% to $499.99                                       the promotional balance will be the promotional balance  4485, Beaverton, OR 97076-4485. If these notices are sent to  basis instead of litigated in court. If you are a �Covered  applicants, co-applicants, authorized users on a single    this happens. We are not responsible for the refusal of 
        any amount due on your Account may be assigned. �Account� means your Kay Jewelers and Kay Jewelers Outlet Account, which  �Interest� and �Interest Charges� mean the periodic ?nance charges that are calculated pursuant to Paragraph 5. number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are  1.75% to $499.99  21%  favor. The applicable monthly periodic rate for a balance is  Greater of 5% of amount past 
                                                                                                           �Minimum Payment� shown on your billing statement on or  the promotion states that there is no separate promotional  the promotional balance will be the promotional balance  in subparagraph A below) will be arbitrated, at the election of  applicants, co-applicants, authorized users on a single  you and us may not be joined or consolidated in arbitration  will have any preclusive effect as to issues or claims in any  any court with jurisdiction. The arbitrator�s decision regarding  This agreement to arbitrate shall survive any suspension,  Buyer We will add any Returned Payment Fee to your Account�s     Signature $39.00 (except 10% of the  exceed $37 not to exceed $37 this happens. We are not responsible for the refusal of  requested, you agree to return any Card issued to you.  requested, you agree to return any Card issued to you. 
        will be governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has apparent  21%  the applicable Annual Percentage Rate divided by twelve (12),  6. Minimum Payment: You agree to pay at least the  ID  due or $15.00 (but not to  Greater of 5% of amount past  the promotion states that there is no separate promotional  divided by the number of months in the promotional period,  in subparagraph A below) will be arbitrated, at the election of  Borrower� as determined in accordance with the safe harbor  Account, or corporate af?liates are considered one person  any claims will be ?nal and binding, except for any appeal  regular balance. We will add any Returned Payment Fee to your Account�s  payment by its due date (or within seven (7) days in VA;  $39.00 (except 10% of the  $2.00, if the balance is less than  exceed $37 anyone to accept or honor a Card associated with this 
        will be governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has apparent  calculated pursuant to Paragraph 5. NE  All other states   2.4992%  1.5% for $500.00 and  29.99% 
                                                                           NE       1.5% for $500.00 and  18%  the applicable Annual Percentage Rate divided by twelve (12),  before its due date. Your total Minimum Payment is the sum  ID  due or $15.00 (but not to  minimum payment, the required minimum payment for  divided by the number of months in the promotional period,  you or us, on an individual (non-class, non-representative)  any other address, it will not satisfy any notice requirement  E. Judgment upon the arbitrator�s award may be entered in 
                                                                                                                                                                                                            Account, or corporate af?liates are considered one person  any claims will be ?nal and binding, except for any appeal  termination, revocation or closure of the Agreement or your  regular balance. average daily balance for prior  $37.00 (except 10% of the   balance for prior  anyone to accept or honor a Card associated with this  We may, at our discretion, permit you to make a purchase  We may, at our discretion, permit you to make a purchase  .00) 
        authority to do so. �Card� means any access device or method by which the Account may be accessed, including the Account 
        1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under  more  18%  and rounded to the fourth decimal place. �Minimum Payment� shown on your billing statement on or  IL, KY, WY  exceed $37.00)  due or $10.00 (but not to  dispute involving anyone who is not a party to the arbitration.  $100.00)  5% of amount of installment (but 
                                                                                                                                           minimum payment, the required minimum payment for  multiplied by a factor based on the applicable Reduced APR,  you or us, on an individual (non-class, non-representative)  with Claims brought by or against someone other than you, 
                                                                                                                                                                            under this Agreement or any other legal requirement that you  provisions in the Military Lending Act and its implementing  for the purposes of this paragraph. No arbitration award  right under FAA. The appealing party will pay the appeal costs.  any court with jurisdiction. The arbitrator�s decision regarding  regular balance. within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN,   
        authority to do so. �Card� means any access device or method by which the Account may be accessed, including the Account                                                                                                                                                                             WA       VA   average daily balance for prior 
                                                                                                                                                                                                                                                                                                                           30-day period, but not less than  5% of amount of installment (but  Account. All Cards we issue remain our property and, if  .00) 
                                                                                                                                                                                                                                                                                                                                                  less than 
        number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are  more  and rounded to the fourth decimal place. of any minimum payment for your regular balance and for any  exceed $37.00)  the promotional balance will be the promotional balance  multiplied by a factor based on the applicable Reduced APR,  basis instead of litigated in court. If you are a �Covered  for the purposes of this paragraph. No arbitration award 
                                                                                                                                  exceed $37.00)  the promotional balance will be the promotional balance  basis instead of litigated in court. If you are a �Covered  unless otherwise agreed to in writing by all parties. However,  This arbitration provision is made pursuant to a transaction  right under FAA. The appealing party will pay the appeal costs.  Account, and any bankruptcy to the extent consistent with  B. Late Payment Fee: If we do not receive your minimum      VA  not to exceed $37 average daily Account. All Cards we issue remain our property and, if  in excess of your stated credit limit. If we do so, this will  in excess of your stated credit limit. If we do so, this will 
        the terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions  1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under the  before its due date. Your total Minimum Payment is the sum  and rounded up to the nearest $5.00 increment or $30.00,  provide notice to us. regulations, you are not required to submit to arbitration. will have any preclusive effect as to issues or claims in any  This agreement to arbitrate shall survive any suspension,  Buyer WA  30-day period, but not less than  5% of amount past due, but not 
                                                                                                                                                                                                                                             any claims will be ?nal and binding, except for any appeal  B. Late Payment Fee: If we do not receive your minimum  KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;         Signature requested, you agree to return any Card issued to you. 
        number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are  Federal law provides important protections to members  All other states   2.4992%  29.99%  6. Minimum Payment: You agree to pay at least the  Greater of 5% of amount past 
                                                                                                           promotional balance. The minimum payment for your regular  divided by the number of months in the promotional period,  and rounded up to the nearest $5.00 increment or $30.00,  Borrower� as determined in accordance with the safe harbor  will have any preclusive effect as to issues or claims in any  involving interstate commerce and will be governed by the  This agreement to arbitrate shall survive any suspension,  applicable bankruptcy law. payment by its due date (or within seven (7) days in VA; 
                                                                                                                                                                                                            applicants, co-applicants, authorized users on a single    Buyer B. Late Payment Fee: If we do not receive your minimum                      Signature   WV  WA  $2.00, if the balance is less than  not to exceed $37
        calculated pursuant to Paragraph 5.                                                                                                                                                                                                                                                                                $2.00, if the balance is less than  to exceed $30.00  30-day period, but not  balance for prior  requested, you agree to return any Card issued to you.  not permanently increase your credit limit. To request the  not permanently increase your credit limit. To request the   
        terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions incurred by 
        calculated pursuant to Paragraph 5.                                All other states   2.4992%  29.99%  6. Minimum Payment: You agree to pay at least the  of any minimum payment for your regular balance and for any  Greater of 5% of amount past  divided by the number of months in the promotional period,  Borrower� as determined in accordance with the safe harbor  termination, revocation or closure of the Agreement or your   Seller-Creditor  payment by its due date (or within seven (7) days in VA;  within ?fteen (15) days in CA, ME, and MA; within twenty-   $37.00 (except 10% of the  We may, at our discretion, permit you to make a purchase 
                                                                          of the Armed Forces and their dependents relating to  �Minimum Payment� shown on your billing statement on or  IL, KY, WY  IN  due or $10.00 (but not to  $18.50   whichever is greater. For example, if the promotion has an  dispute involving anyone who is not a party to the arbitration.  $100.00) 
                                                                                                                                           multiplied by a factor based on the applicable Reduced APR,  provisions in the Military Lending Act and its implementing  A. The term �Claim� means any claim, dispute, or controversy  right under FAA. The appealing party will pay the appeal costs.  $100.00)   balance for prior 
                                                                                                                                                                                                            dispute involving anyone who is not a party to the arbitration.  Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.). termination, revocation or closure of the Agreement or your  Buyer within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN,     Signature $100.00)  $37.00 (except 10% of the  $2.00, if the balance is less than
                                                                                                                                                                                                                                                                             within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN,  one (21) days in TX; within thirty (30) days in NC; and  average daily We may, at our discretion, permit you to make a purchase  names of our related brand jewelers, please call Customer 
        anyone else you have authorized to use this Account. You are also responsible for the use of each Card issued on this Account.  �Minimum Payment� shown on your billing statement on or  promotional balance. The minimum payment for your regular  IL, KY, WY  due or $10.00 (but not to  multiplied by a factor based on the applicable Reduced APR,  interest rate of 10.99% and the plan is for 24 months, the  provisions in the Military Lending Act and its implementing  This arbitration provision is made pursuant to a transaction  Account, and any bankruptcy to the extent consistent with  F. If any part of this arbitration provision cannot be enforced,  in excess of your stated credit limit. If we do so, this will   less than 
        1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under the  extensions of consumer credit. In general, the cost of  before its due date. Your total Minimum Payment is the sum  exceed $37.00)  Lesser of 5% of amount past  and rounded up to the nearest $5.00 increment or $30.00,  regulations, you are not required to submit to arbitration. between you and us arising from or relating to your Card,  5% of amount past due, but not   less than 
                                                                                                                                                                                                            This arbitration provision is made pursuant to a transaction  Account, and any bankruptcy to the extent consistent with  KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;      WV  average daily 5% of amount past due, but not  in excess of your stated credit limit. If we do so, this will  Service at 1-866-875-0891.
        1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under the  You may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have  Federal law provides important protections to members  before its due date. Your total Minimum Payment is the sum  balance will be the greater of 5% of the regular purchase  ME  exceed $37.00)  and rounded up to the nearest $5.00 increment or $30.00,  required minimum payment is determined as follows: 1/24th  regulations, you are not required to submit to arbitration. involving interstate commerce and will be governed by the  C. If we or you request arbitration of a Claim, we and you  applicable bankruptcy law. the rest of the arbitration provision will continue to apply.  KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;  within forty (40) days in RI), we will impose a Late Payment                     5% of amount past due, but not   
                                                                                                                                                                                                                                                                                                                      WA              30-day period, but not
        terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions incurred by  of any minimum payment for your regular balance and for any  whichever is greater. For example, if the promotion has an  applicable bankruptcy law.  Seller-Creditor  within ?fteen (15) days in CA, ME, and MA; within twenty-                      We will add any Late Payment Fee to your Account�s regular  WV  WV  to exceed $30.00  not permanently increase your credit limit. To request the 
                                                                          Federal law provides important protections to members  IN  $18.50   due or $10.00                                                 involving interstate commerce and will be governed by the       Buyer                Signature            WA   to exceed $30.00  $100.00)  30-day period, but not
                                                                           State        Maximum Returned                                                                                                                                                                                                                              $2.00, if the balance is less than to exceed $30.00  not permanently increase your credit limit. To request the   
        terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions incurred by  of the Armed Forces and their dependents relating to  of any minimum payment for your regular balance and for any  A. The term �Claim� means any claim, dispute, or controversy   Seller-Creditor  within ?fteen (15) days in CA, ME, and MA; within twenty-  
        anyone else you have authorized to use this Account. You are also responsible for the use of each Card issued on this Account.  of the Armed Forces and their dependents relating to  promotional balance. The minimum payment for your regular  IN  $18.50   whichever is greater. For example, if the promotion has an  Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.). names of our related brand jewelers, please call Customer 
                                                                                                                                           interest rate of 10.99% and the plan is for 24 months, the  A. The term �Claim� means any claim, dispute, or controversy  F. If any part of this arbitration provision cannot be enforced,  Buyer one (21) days in TX; within thirty (30) days in NC; and       Signature
       94188_418594-60005_Genesis-Sterling_r5.indd   1                                                                                                                                                                                                                                                         balance.               $2.00, if the balance is less than $100.00) 
                                                                          extensions of consumer credit. In general, the cost of  Payment Fee  Lesser of 5% of amount past  Lesser of 10% of outstanding  between you and us arising from or relating to your Card,  Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.).
                                                                                                                                                                                                                                             F. If any part of this arbitration provision cannot be enforced,  one (21) days in TX; within thirty (30) days in NC; and  names of our related brand jewelers, please call Customer 
                                                                                                                                                                                                                                                                                                                                      5% of amount past due, but not  Service at 1-866-875-0891. 7/11/19   2:39 PM
        anyone else you have authorized to use this Account. You are also responsible for the use of each Card issued on this Account.  promotional balance. The minimum payment for your regular 
        You may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have             interest rate of 10.99% and the plan is for 24 months, the 
                                                                          extensions of consumer credit. In general, the cost of  balance will be the greater of 5% of the regular purchase  ME  MA  Lesser of 5% of amount past  required minimum payment is determined as follows: 1/24th  between you and us arising from or relating to your Card,  C. If we or you request arbitration of a Claim, we and you  the rest of the arbitration provision will continue to apply.  Chris Klemann, Vice President Financial Services,   Seller-Creditor  within forty (40) days in RI), we will impose a Late Payment  WV 
        You may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have  AK, KY, LA, ME, NH,  $37.00  balance will be the greater of 5% of the regular purchase  ME  due or $10.00  balance or $10.00                                                                          5% of amount past due, but not  Service at 1-866-875-0891.
                                                                           State        Maximum Returned                                   required minimum payment is determined as follows: 1/24th        C. If we or you request arbitration of a Claim, we and you  the rest of the arbitration provision will continue to apply.  Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,  within forty (40) days in RI), we will impose a Late Payment  We will add any Late Payment Fee to your Account�s regular  WV  to exceed $30.00 
       418595_Genesis 60006_Kay new_Rev3.indd   1                                                                                 due or $10.00                                                                                                                                                             We will add any Late Payment Fee to your Account�s regular 
                                                                           State  ND, OH, SD, VA, WA,  Maximum Returned           Lesser of 10% of outstanding  $10.00 (except $5.00 if the                                                                                   P.O. Box 3680, Akron, OH 44309-3680                     balance.   to exceed $30.00   4/24/18   11:51 AM
                                                                                        Payment Fee 
                                                                                                                  MA              Lesser of 10% of outstanding                                                                                                              Chris Klemann, Vice President Financial Services,   Seller-Creditor                     balance.
                                                                           WI           Payment Fee               MO 
                                                                           AK, KY, LA, ME, NH,  $37.00            MA              balance or $10.00  minimum payment is $5.00 to 
                                                                                                                                                                                                                                                                        Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,  Chris Klemann, Vice President Financial Services,   Seller-Creditor 
       418595_Genesis 60006_Kay new_Rev3.indd   1                          AK, KY, LA, ME, NH,  $37.00                            balance or $10.00  $24.99) 
                                                                           ND, OH, SD, VA, WA,  AL, AR, HI, KS, MN,  $30.00       $10.00 (except $5.00 if the                                                                                                           Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,  P.O. Box 3680, Akron, OH 44309-3680    4/24/18   11:51 AM
       418595_Genesis 60006_Kay new_Rev3.indd   1                                                                                                                                                                                                                                Chris Klemann, Vice President Financial Services, 
                                                                           WI  ND, OH, SD, VA, WA,  MT, SC, TN, TX                $10.00 (except $5.00 if the                                                                                                                 P.O. Box 3680, Akron, OH 44309-3680                                                   4/24/18   11:51 AM
                                                                                                                  MO              minimum payment is $5.00 to  Greater of 5% of amount past 
                                                                                                                                                                                                                                                                             Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                           WI                                     MO  NE          $24.99)  minimum payment is $5.00 to 
                                                                           AL, AR, HI, KS, MN,                                    due or $5.00 (but not to exceed 
                                                                           AZ, CO, IL, IN, MI, NV,  $30.00  $25.00                                                                                                                                                                  P.O. Box 3680, Akron, OH 44309-3680 
                                                                                                                                  $24.99)                                                                                                                                        Chris Klemann, Vice President Financial Services, 
                                                                           MT, SC, TN, TX    AL, AR, HI, KS, MN,  $30.00          $37.00) 
                                                                           NC, OK, RI, WV                                         Greater of 5% of amount past                                                                                                                   Chris Klemann, Vice President Financial Services, 
                                                                           MT, SC, TN, TX                                                                                                                                                                                    Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                                                                  NE              due or $5.00 (but not to exceed  Greater of 5% of amount past  $10.00 (except $5.00 if the 
                                                                                                                                                                                                                                                                             Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                           AZ, CO, IL, IN, MI, NV,  $25.00                                                                                                                                                                          P.O. Box 3680, Akron, OH 44309-3680 
                                                                           CA, MD, MO   $15.00                    NE  NC          $37.00)  due or $5.00 (but not to exceed  outstanding balance is under 
                                                                           AZ, CO, IL, IN, MI, NV,  $25.00                                                                                                                                                                          P.O. Box 3680, Akron, OH 44309-3680 
                                                                           NC, OK, RI, WV 
                                                                           CT, ID, IA, NJ, NY, UT  $20.00                         $37.00)  $100.00) 
                                                                           NC, OK, RI, WV                                         $10.00 (except $5.00 if the 
                                                                           CA, MD, MO  FL  $15.00  Greater of 5% of amount of  NC  outstanding balance is under  $10.00 (except $5.00 if the  The greater of 5% of the unpaid 
                                                                           CA, MD, MO   $15.00 
                                                                           CT, ID, IA, NJ, NY, UT  $20.00  payment or $25.00 (max  NC  OK  $100.00)  outstanding balance is under  amount of the installment or 
                                                                           CT, ID, IA, NJ, NY, UT  $20.00  $37.00)                $100.00)  $24.50 (not to exceed $37.00) 
                                                                           FL           Greater of 5% of amount of                The greater of 5% of the unpaid 
                                                                           FL  GA       Greater of 5% of amount of  Greater of 5% of amount of  RI 
                                                                                        payment or $25.00 (max    OK              amount of the installment or  The greater of 5% of the unpaid  $12.00 
                                                                                        payment or $30.00 (max 
                                                                                        $37.00)  payment or $25.00 (max  OK       $24.50 (not to exceed $37.00)  amount of the installment or  5% of amount past due, but not 
                                                                                        $37.00)                   SC              more than $18.00 and not less 
                                                                           GA           Greater of 5% of amount of  $37.00)  RI   $12.00  $24.50 (not to exceed $37.00) 
                                                                           OR           $35.00 
                                                                           GA           Greater of 5% of amount of  RI            $12.00  than $7.20  
                                                                                        payment or $30.00 (max                    5% of amount past due, but not 
                                                                           DC, DE, MA, MS, NE,  $37.00)  payment or $30.00 (max  None 
                                                                                                                  SC              more than $18.00 and not less  5% of amount past due, but not  Greater of 5% of amount past 
                                                                           OR  NM, PA, VT, WY  $35.00  $37.00)    SC  UT          than $7.20   more than $18.00 and not less  due or $30.00 (but not to 
                                                                           DC, DE, MA, MS, NE,  OR  None  $35.00 
                                                                                                                                  Greater of 5% of amount past  than $7.20   exceed $37.00) 
                                                                           NM, PA, VT, WY  DC, DE, MA, MS, NE,  None              5% of amount of installment (but 
                                                                                                                  UT  VA          due or $30.00 (but not to  Greater of 5% of amount past 
                                                                           NM, PA, VT, WY                                         not to exceed $37.00) 
                                                                                                                  UT              exceed $37.00)  due or $30.00 (but not to 
                                                                                                                                  5% of amount of installment (but  exceed $37.00)  $37.00 (except 10% of the 
                                                                                                                  VA              average daily balance for prior 
                                                                                                                                  not to exceed $37.00)  5% of amount of installment (but 
                                                                                                                  VA  WA          30-day period, but not less than 
                                                                                                                                  $37.00 (except 10% of the  not to exceed $37.00) 
                                                                                                                                  $2.00, if the balance is less than 
                                                                                                                                  average daily balance for prior 
                                                                          Buyer               Signature                           $37.00 (except 10% of the  $100.00) 
                                                                                                                  WA              30-day period, but not less than  average daily balance for prior 
                                                                                                                                  5% of amount past due, but not 
                                                                                                                  WA  WV          $2.00, if the balance is less than  30-day period, but not less than 
                                                                                                                                  to exceed $30.00 
                                                                          Buyer                 Signature                         $100.00) 
                                                                                                                                  $2.00, if the balance is less than 
                                                                                    
                                                                          Seller-Creditor  Buyer    Signature                     5% of amount past due, but not  $100.00) 
                                                                                                                  WV 
                                                                                                                                  to exceed $30.00  5% of amount past due, but not 
                                                                                                                  WV 
                                                                          Seller-Creditor                                         to exceed $30.00 
                                                                                                             
                                                                          Seller-Creditor 
                                                                                                           
                                                                               Chris Klemann, Vice President Financial Services, 
                                                                          Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,   
                                                                                 P.O. Box 3680, Akron, OH 44309-3680 
                                                                               Chris Klemann, Vice President Financial Services, 
                                                                          Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                               Chris Klemann, Vice President Financial Services, 
                                                                                 P.O. Box 3680, Akron, OH 44309-3680 
                                                                          Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                                 P.O. Box 3680, Akron, OH 44309-3680                                                                                                                 We apply the  ANNUAL       State        Maximum Late Payment Fee  
                                                                                                        If you reside in  
                                                                                                                monthly   PERCENTAGE       AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the 
                                                                                                        the state of:  
                                                                                                                periodic rate of:   RATE   MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99 
                                                                                                                                           OH, OR, PA, SD, WI  or less) 
                                                                                                                1.75% to $750.00   21% 
                                                                                                        AL                                              5% of amount past due but not 
                                                                                                                1.5% over $750.00  We apply the  18%  ANNUAL  State  Maximum Late Payment Fee  
                                                                                                         If you reside in                  AL           more than $37.00 and not less 
                                                                                                                monthly   PERCENTAGE       AK, AR, CT, HI, LA, MD, MI, 
                                                                                                         the state of:                                  than $18.00  $37.00 (except $29.00 if the 
                                                                                                        AR      1.4167%  periodic rate of:   17%  RATE  MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99 
                                                                                                                                                        $10.00 (except $5.00 if the 
                                                                                                        CO, GA, IN,                        OH, OR, PA, SD, WI  or less) 
                                                                                                                                           AZ, KS       minimum payment is $5.00 to 
                                                                                                        MS, OK, TN,  1.75%  1.75% to $750.00   21%  21% 
                                                                                                         AL                                             $25.00)  5% of amount past due but not 
                                                                                                        TX, VT, WY  1.5% over $750.00  18% 
                                                                                                                                           CA, CO, DC, IA  AL  $15.00  more than $37.00 and not less 
                                                                                                        DC, MD  2.0%      24% 
                                                                                                                                           DE, NM, TN, VT  None  than $18.00 
                                                                                                         AR     1.4167%   17% 
                                                                                                        HI, MA, MN, NC                                  $10.00 (except $5.00 if the 
                                                                                                         CO, GA, IN,  1.5%  18%            FL, MT, NJ, TX  $10.00 
                                                                                                                                           AZ, KS       minimum payment is $5.00 to 
                                                                                                        MI, NY, OH, WV  MS, OK, TN,  2.0825%  1.75%  24.99%  21%  GA  $25.00 
                                                                                                                                                        $25.00) 
                                                                                                         TX, VT, WY  1.75% to $499.99                   Greater of 5% of amount past 
                                                                                                                          21%              CA, CO, DC, IA  $15.00 
                                                                                                        NE  DC, MD  1.5% for $500.00 and  2.0%  24%  ID  due or $15.00 (but not to 
                                                                                                                          18%              DE, NM, TN, VT  None 
                                                                                                                more                                    exceed $37.00) 
                                                                                                         HI, MA, MN, NC  1.5%  18%         FL, MT, NJ, TX  $10.00 
                                                                                                        All other states   2.2491%  26.99%              Greater of 5% of amount past 
                                                                                                         MI, NY, OH, WV  2.0825%  24.99%   GA           $25.00 
                                                                                                                                           IL, KY, WY   due or $10.00 (but not to 
                                                                                                                1.75% to $499.99                        exceed $37.00)  Greater of 5% of amount past 
                                                                                                                          21% 
                                                                                                         NE     1.5% for $500.00 and       ID           due or $15.00 (but not to 
                                                                                                                          18%              IN           $18.50  
                                                                                                                more                                    exceed $37.00) 
                                                                                                                                                        Lesser of 5% of amount past 
                                                                                                         All other states   2.2491%  26.99%  ME         Greater of 5% of amount past 
                                                                                                         State      Maximum Returned                    due or $10.00 
                                                                                                                                           IL, KY, WY   due or $10.00 (but not to 
                                                                                                                    Payment Fee                         Lesser of 10% of outstanding 
                                                                                                                                           MA           exceed $37.00) 
                                                                                                         AK, KY, LA, ME, NH,  $37.00                    balance or $10.00 
                                                                                                                                           IN           $18.50  
                                                                                                         ND, OH, SD, VA, WA,                            $10.00 (except $5.00 if the 
                                                                                                                                                        Lesser of 5% of amount past 
                                                                                                         WI                                MO  ME       minimum payment is $5.00 to 
                                                                                                         AL, AR, HI, KS, MN,  State  $30.00  Maximum Returned  due or $10.00 
                                                                                                                                                        $24.99) 
                                                                                                         MT, SC, TN, TX    Payment Fee                  Lesser of 10% of outstanding 
                                                                                                                                           MA           Greater of 5% of amount past 
                                                                                                         AK, KY, LA, ME, NH,  $37.00                    balance or $10.00 
                                                                                                                                           NE           due or $5.00 (but not to exceed 
                                                                                                         AZ, CO, IL, IN, MI, NV,  ND, OH, SD, VA, WA,  $25.00 
                                                                                                                                                        $37.00)  $10.00 (except $5.00 if the 
                                                                                                         NC, OK, RI, WV  WI                MO           minimum payment is $5.00 to 
                                                                                                                                                        $10.00 (except $5.00 if the 
                                                                                                                                                        $24.99) 
                                                                                                         CA, MD, MO  AL, AR, HI, KS, MN,  $15.00  $30.00 
                                                                                                                                           NC           outstanding balance is under 
                                                                                                         MT, SC, TN, TX   
                                                                                                                    $20.00                              $100.00)  Greater of 5% of amount past 
                                                                                                         CT, ID, IA, NJ, NY, UT 
                                                                                                                                           NE           due or $5.00 (but not to exceed 
                                                                                                         FL  AZ, CO, IL, IN, MI, NV,  Greater of 5% of amount of  $25.00  The greater of 5% of the unpaid 
                                                                                                                                                        $37.00) 
                                                                                                         NC, OK, RI, WV  payment or $25.00 (max  OK     amount of the installment or 
                                                                                                                                                        $24.50 (not to exceed $37.00)  $10.00 (except $5.00 if the 
                                                                                                                    $37.00) 
                                                                                                         CA, MD, MO  $15.00                NC           outstanding balance is under 
                                                                                                         GA         Greater of 5% of amount of  RI      $12.00 
                                                                                                         CT, ID, IA, NJ, NY, UT  $20.00                 $100.00) 
                                                                                                                    payment or $30.00 (max              5% of amount past due, but not 
                                                                                                         FL         $37.00)  Greater of 5% of amount of  The greater of 5% of the unpaid 
                                                                                                                                           SC           more than $18.00 and not less                                                     
                                                                                                                                                                         
                                                                                                         OR         $35.00  payment or $25.00 (max  OK  amount of the installment or 
                                                                                                                                                        than $7.20  
        names of our related brand jewelers, please call Customer  Account, and shall inure to the bene?t of any of our agents,  be interpreted to comply with the Military Lending Act,  AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A  $37.00)  $24.50 (not to exceed $37.00) 
                                                                                                         DC, DE, MA, MS, NE,  None       �  We cannot try to collect the amount in question, or 
                                                                                                                                                        Greater of 5% of amount past                                                        
        not permanently increase your credit limit. To request the  Service at 1-866-726-5617. 19. Governing Law: This Agreement and your Account and  successors or assigns.  To opt out of these contacts, you may  (a) Section 10 regarding arbitration shall not apply to you;  including its restrictions on permissible loan terms and  NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR  PURCHASE UNDER THIS AGREEMENT IF IT HAS BEEN  NM, PA, VT, WY  GA  Greater of 5% of amount of    �  The charge in question may remain on your statement,  report you as delinquent on that amount.  RI  $12.00 
                                                                                                                                           UT           due or $30.00 (but not to                                               Rev. 8/19 
                                                                                                                    payment or $30.00 (max 
        names of our related brand jewelers, please call Customer  any claim, dispute, or controversy arising from or relating to  call Customer Service at 1-866-726-5617.  To stop receiving  (b) any interest or fees in excess of the permitted limit shall  limitations on interest and fees. For Accounts opened on  BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM  SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN    �  The charge in question may remain on your statement,  and we may continue to charge you interest on that  exceed $37.00)  5% of amount past due, but not   
                                                                                                                    $37.00)                                                        WHAT DOES STERLING JEWELERS INC. (hereafter, �STERLING  Page 2 
                                                                                                                                           SC           more than $18.00 and not less                                                     
        Service at 1-866-726-5617. 15. Change in This Agreement: To the extent permitted  this Agreement or your Account are governed, to the extent  online communications that you previously selected, you  be reduced by the amount necessary to satisfy that limit  or after October 3, 2017, if you are a Covered Borrower as  SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF  THE ADDRESS OF THE SELLER, WHICH MAY BE HIS  amount.  and we may continue to charge you interest on that  5% of amount of installment (but   
                                                                                                         OR         $35.00                 VA           than $7.20                                 �
        by law, we may change any term of this Agreement,                                                                                                               FACTS      FAMILY OF JEWELERS �) DO WITH YOUR PERSONAL 
                                       applicable, by U.S. federal law and the law of the state of your  must update your preferences by logging into the Account  and any amounts collected in excess of the permitted limit  determined in accordance with the safe harbor provisions in  THE THIRD BUSINESS DAY FOLLOWING A PURCHASE  MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU    �  While you do not have to pay the amount in question, you  not to exceed $37.00) 
                                                                                                         DC, DE, MA, MS, NE,  None        amount. 
                                                                                                                                                        Greater of 5% of amount past                                                                                    
        15. Change in This Agreement: To the extent permitted  including any Annual Percentage Rate or fee, as well  not permanently increase your credit limit. To request the  billing address when this Account was opened or, for non- management website; we cannot manage those preferences  19. Governing Law: This Agreement and your Account and  shall be refunded by crediting your Account or by making a  the Military Lending Act and its implementing regulations:  (a) Section 10 regarding arbitration shall not apply to you;  UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT. NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR  NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR  NM, PA, VT, WY      �  While you do not have to pay the amount in question, you  �  The charge in question may remain on your statement,  are responsible for the remainder of your balance.  $37.00 (except 10% of the  INFORMATION? What we do 
                                                                                                                                           UT           due or $30.00 (but not to                                               Rev. 8/19 
        by law, we may change any term of this Agreement,  as add and/or subtract terms. We will furnish you notice                                                                                                                                                     
        names of our related brand jewelers, please call Customer  U.S. residents, the law of the state where the Account was  for you. any claim, dispute, or controversy arising from or relating to  direct payment to you; and (c) any other provision of this  (a) Section 10 regarding arbitration shall not apply to you;  (b) any interest or fees in excess of the permitted limit shall  BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM  BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM    �  We can apply any unpaid amount against your credit limit.  are responsible for the remainder of your balance.  and we may continue to charge you interest on that  average daily balance for prior 
                                                                                                                                                        exceed $37.00)                                                                                          �
                                                                                                                                           WA           30-day period, but not less than  WHAT DOES STERLING JEWELERS INC. (hereafter, �STERLING  Page 2 
        including any Annual Percentage Rate or fee, as well  of the change to the extent required by law. If permitted                                                                                                                                                To protect your personal information from 
        Service at 1-866-726-5617.     opened (without regard to con?icts of laws principles), unless  this Agreement or your Account are governed, to the extent  Agreement that is inconsistent with the Military Lending Act  (b) any interest or fees in excess of the permitted limit shall  be reduced by the amount necessary to satisfy that limit  YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL 
                                                                                                       SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF  SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF    �  We can apply any unpaid amount against your credit limit.  amount. 
                                                                                                                                                        $2.00, if the balance is less than  5% of amount of installment (but  Financial companies choose how they share your personal information.  Federal law  �
        as add and/or subtract terms. We will furnish you notice  by applicable law, any new terms may at our option  we receive written notice that you have moved to another  19. Governing Law: This Agreement and your Account and  INSTALLMENT CREDIT AGREEMENT. After we ?nish our investigation, one of two things will happen: VA  Why?  FACTS  FAMILY OF JEWELERS �) DO WITH YOUR PERSONAL    unauthorized access and use, we use security 
                                       applicable, by U.S. federal law and the law of the state of your  shall not apply to you. be reduced by the amount necessary to satisfy that limit  and any amounts collected in excess of the permitted limit  THE THIRD BUSINESS DAY FOLLOWING A PURCHASE  THE THIRD BUSINESS DAY FOLLOWING A PURCHASE    �  While you do not have to pay the amount in question, you  $100.00)  not to exceed $37.00) 
                                                                                                                                                                                   gives consumers the right to limit some but not all sharing.  Federal law also requires   
        of the change to the extent required by law. If permitted  be applied to any balance existing on the Account at  15. Change in This Agreement: To the extent permitted  U.S. state pursuant to Paragraph 20. If we receive notice  any claim, dispute, or controversy arising from or relating to   
                                       billing address when this Account was opened or, for non- shall be refunded by crediting your Account or by making a  UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT. UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT. After we ?nish our investigation, one of two things will happen: �  If we made a mistake: You will not have to pay the 
                                                                       and any amounts collected in excess of the permitted limit         are responsible for the remainder of your balance.  $37.00 (except 10% of the  INFORMATION?    What we do                    measures that comply with federal law.  These 
                                                                                                                                                        5% of amount past due, but not 
        by applicable law, any new terms may at our option  the time of change, as well as to any subsequent  by law, we may change any term of this Agreement,  this Agreement or your Account are governed, to the extent  Notice to Florida Residents: The Annual Percentage Rates  Buyer   Signature  �  If we made a mistake: You will not have to pay the  amount in question or any interest or other fees  WV  average daily balance for prior    us to tell you how we collect, share, and protect your personal information.  Please     
                                       of a change in your billing address, except for any Annual  U.S. residents, the law of the state where the Account was  shall be refunded by crediting your Account or by making a  direct payment to you; and (c) any other provision of this      �  We can apply any unpaid amount against your credit limit.  to exceed $30.00  � measures include computer safeguards and secured 
        be applied to any balance existing on the Account at  transactions. including any Annual Percentage Rate or fee, as well  applicable, by U.S. federal law and the law of the state of your  opened (without regard to con?icts of laws principles), unless  shown above are authorized by Chapter 655 of the Florida  YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL  YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL  related to that amount.  amount in question or any interest or other fees  WA  30-day period, but not less than  read this notice carefully to understand what we do.    To protect your personal information from 
                                       Percentage Rate (and corresponding monthly periodic rate)  direct payment to you; and (c) any other provision of this  Agreement that is inconsistent with the Military Lending Act                                             files and buildings. 
                                                                                                                                                        $2.00, if the balance is less than  Financial companies choose how they share your personal information.  Federal law 
        the time of change, as well as to any subsequent  as add and/or subtract terms. We will furnish you notice  billing address when this Account was opened or, for non- Statutes. INSTALLMENT CREDIT AGREEMENT. INSTALLMENT CREDIT AGREEMENT. Seller - Creditor     After we ?nish our investigation, one of two things will happen: �  If we do not believe there was a mistake: You will have  related to that amount.    Why?        unauthorized access and use, we use security 
                                       applicable to any outstanding balance, the terms applicable to  we receive written notice that you have moved to another  Agreement that is inconsistent with the Military Lending Act  shall not apply to you. $100.00)  gives consumers the right to limit some but not all sharing.  Federal law also requires 
        transactions. 16. Credit Investigation: You authorize us to investigate  of the change to the extent required by law. If permitted  U.S. residents, the law of the state where the Account was                   �  If we do not believe there was a mistake: You will have    �  If we made a mistake: You will not have to pay the  to pay the amount in question, along with applicable  The types of personal information we collect and share depend on the product or    We collect your personal information, for example,  measures that comply with federal law.  These 
                                       the state of your new billing address will apply to all balances  U.S. state pursuant to Paragraph 20. If we receive notice  shall not apply to you.
        your credit history by obtaining consumer reports and          Notice to Maryland Residents: This Account is governed by                        5% of amount past due, but not 
        by applicable law, any new terms may at our option             Notice to Florida Residents: The Annual Percentage Rates  Buyer   Signature interest and fees. We will send you a statement of the  amount in question or any interest or other fees  WV  What?  us to tell you how we collect, share, and protect your personal information.  Please    when you 
                                       on your Account after we receive written notice of your new  opened (without regard to con?icts of laws principles), unless  of a change in your billing address, except for any Annual  Chris Klemann, Vice President Financial Services   to pay the amount in question, along with applicable  to exceed $30.00  service you have with us.  This information can include:  measures include computer safeguards and secured 
        16. Credit Investigation: You authorize us to investigate  by making direct inquiries of businesses where you  Subtitle 9, Title 12 of the Maryland Commercial Law Article.                                                                                     
        be applied to any balance existing on the Account at  address. Any Annual Percentage Rate (and corresponding  we receive written notice that you have moved to another  Percentage Rate (and corresponding monthly periodic rate)  Notice to Florida Residents: The Annual Percentage Rates  shown above are authorized by Chapter 655 of the Florida  Sterling Jewelers Inc., d/b/a/ Sterling Family of Jewelers, amount you owe and the date payment is due. We 
                                                                                                                                          interest and fees. We will send you a statement of the  related to that amount.  read this notice carefully to understand what we do. 
                                                                                                                                                                                                                                                                       files and buildings. 
        your credit history by obtaining consumer reports and  have accounts and where you work. We may request a  P.O. Box 3680, Akron, OH 44309-3680                             �  Social Security number and account balances 
        the time of change, as well as to any subsequent  monthly periodic rate) applicable to a balance outstanding  U.S. state pursuant to Paragraph 20. If we receive notice  applicable to any outstanding balance, the terms applicable to  shown above are authorized by Chapter 655 of the Florida  Statutes. Seller - Creditor     �  If we do not believe there was a mistake: You will have  may then report you as delinquent if you do not pay  amount you owe and the date payment is due. We    �    open an account or give us your contact 
                                                                       Notice to Michigan Residents: The seller retains a security 
        by making direct inquiries of businesses where you  consumer report from consumer reporting agencies  transactions. of a change in your billing address, except for any Annual  the amount we think you owe.  to pay the amount in question, along with applicable  �  The types of personal information we collect and share depend on the product or  Payment history and transaction history    We collect your personal information, for example, 
                                       prior to noti?cation of a change in billing address will continue  the state of your new billing address will apply to all balances  Statutes.                 may then report you as delinquent if you do not pay                information 
                                                                       interest in the subject matter of this Agreement.
        have accounts and where you work. We may request a  in considering your application for this Account or any  Notice to Maryland Residents: This Account is governed by 
                                       Percentage Rate (and corresponding monthly periodic rate)       Your Billing Rights: Keep this Document for Future Use Chris Klemann, Vice President Financial Services the amount we think you owe.  interest and fees. We will send you a statement of the  What?  �  service you have with us.  This information can include:  Credit history and credit scores    when you 
                                       to apply to such balance until it is paid off. on your Account after we receive written notice of your new                                                                                                                      �  pay your bills or apply for a loan 
        consumer report from consumer reporting agencies  other account you have with us and later in connection  16. Credit Investigation: You authorize us to investigate  Notice to Maryland Residents: This Account is governed by  Subtitle 9, Title 12 of the Maryland Commercial Law Article. If you receive our explanation but still believe your bill is  amount you owe and the date payment is due. We     
                                       applicable to any outstanding balance, the terms applicable to    Sterling Jewelers Inc., d/b/a/ Sterling Family of Jewelers,                                                                                                    
                                       address. Any Annual Percentage Rate (and corresponding  Notice to Pennsylvania Residents: This is a Security 
        in considering your application for this Account or any  with an update, renewal, extension of credit or collection  your credit history by obtaining consumer reports and  Subtitle 9, Title 12 of the Maryland Commercial Law Article. This notice tells you about your rights and our  P.O. Box 3680, Akron, OH 44309-3680 wrong, you must write to us within 10 days telling us that  If you receive our explanation but still believe your bill is  When you are no longer our customer, we continue to share your information as  �  Social Security number and account balances  �  use your credit or debit card 
                                       20. Change of Address or Other Contact Information: You  the state of your new billing address will apply to all balances  Agreement. may then report you as delinquent if you do not pay                                       �  open an account or give us your contact 
                                       monthly periodic rate) applicable to a balance outstanding  Notice to Michigan Residents: The seller retains a security                                                                                                               
        other account you have with us and later in connection  of the Account or any other account you have with us.  by making direct inquiries of businesses where you  agree to notify us promptly in writing of any changes to your  on your Account after we receive written notice of your new  responsibilities under the Fair Credit Billing Act. you still refuse to pay. If you do so, we cannot report you as  wrong, you must write to us within 10 days telling us that  the amount we think you owe.  described in this notice.  �  Payment history and transaction history  information 
                                       prior to noti?cation of a change in billing address will continue  Notice to Michigan Residents: The seller retains  interest in the subject matter of this Agreement. Your Billing Rights: Keep this Document for Future Use   We also collect your personal information from 
        with an update, renewal, extension of credit or collection  Upon your request we will disclose whether a consumer  have accounts and where you work. We may request a  delinquent without also reporting that you are questioning 
                                       billing address, phone number, email address, and other  address. Any Annual Percentage Rate (and corresponding  Notice to Texas Residents: For questions or complaints  you still refuse to pay. If you do so, we cannot report you as   
                                       to apply to such balance until it is paid off.                  Your Billing Rights: Keep this Document for Future Use                      �  Credit history and credit scores                                                 �  pay your bills or apply for a loan 
        of the Account or any other account you have with us.  report was requested and the name and address of any  consumer report from consumer reporting agencies  a security interest in the subject matter of this  What To Do If You Find A Mistake On Your Statement your bill. We must tell you the name of anyone to whom  If you receive our explanation but still believe your bill is    others, such as credit bureaus, affiliates, or other 
                                       contact information. Until we receive written notice of your  monthly periodic rate) applicable to a balance outstanding  about this contract, contact Genesis FS Card Services  delinquent without also reporting that you are questioning 
                                                                       Notice to Pennsylvania Residents: This is a Security  This notice tells you about your rights and our       All financial companies need to share customers� personal information to run their 
        Upon your request we will disclose whether a consumer  consumer reporting agency that furnished the report. We  in considering your application for this Account or any  at 1-866-726-5617. The Of?ce of Consumer Credit  Agreement. we reported you as delinquent, and we must let those  your bill. We must tell you the name of anyone to whom  wrong, you must write to us within 10 days telling us that  How?  When you are no longer our customer, we continue to share your information as  companies.  �  use your credit or debit card 
                                       new billing address or email address, if you have elected to  prior to noti?cation of a change in billing address will continue  20. Change of Address or Other Contact Information: You  Agreement. If you think there is an error on your statement, write to us at: responsibilities under the Fair Credit Billing Act. This notice tells you about your rights and our 
        other account you have with us and later in connection                                                                         organizations know when the matter has been settled  we reported you as delinquent, and we must let those  you still refuse to pay. If you do so, we cannot report you as  everyday business.  In the section below, we list the reasons financial companies can     
        report was requested and the name and address of any  may report information about your Account to credit  receive notices electronically, we will continue to send billing  to apply to such balance until it is paid off. agree to notify us promptly in writing of any changes to your  Commissioner (OCCC) is a state agency, and it enforces  described in this notice.     
                                                                                                       responsibilities under the Fair Credit Billing Act.
                                                                       Notice to Pennsylvania Residents: This is a Security                                                                                                        �
                                                                                                                                       between us. delinquent without also reporting that you are questioning  share their customers� personal information; the reasons Sterling Family of Jewelers     Federal law gives you the right to limit only  We also collect your personal information from 
        consumer reporting agency that furnished the report. We  bureaus. Late payments, missed payments, or other  with an update, renewal, extension of credit or collection  statements and other notices to the address we have on ?le  billing address, phone number, email address, and other  certain laws that apply to this contract. If a complaint or  Notice to Texas Residents: For questions or complaints  What To Do If You Find A Mistake On Your Statement organizations know when the matter has been settled   
                                                                       Agreement.                        Genesis FS Card Services                                                                                                                                       
        may report information about your Account to credit  defaults on your Account may be re?ected on your credit  of the Account or any other account you have with us.  20. Change of Address or Other Contact Information: You  question cannot be resolved by contacting the creditor,  about this contract, contact Genesis FS Card Services  What To Do If You Find A Mistake On Your Statement between us. your bill. We must tell you the name of anyone to whom  chooses to share; and whether you can limit this sharing.  others, such as credit bureaus, affiliates, or other 
                                       for your Account. Subject to Paragraph 19, we deem you to  contact information. Until we receive written notice of your    P.O. Box 4485  
                                                                                                       If you think there is an error on your statement, write to us at: If we do not follow all of the rules above, you do not have to  All financial companies need to share customers� personal information to run their 
        bureaus. Late payments, missed payments, or other  report. If you believe that we have reported inaccurate  Upon your request we will disclose whether a consumer  agree to notify us promptly in writing of any changes to your  we reported you as delinquent, and we must let those  �  sharing for affiliates� everyday business purposes 
                                       reside at the billing address we have on ?le for the purpose of  new billing address or email address, if you have elected to  consumers can contact the OCCC to ?le a complaint or ask  Notice to Texas Residents: For questions or complaints  at 1-866-726-5617. The Of?ce of Consumer Credit    Beaverton, OR 97076-4485   How?  companies. 
                                                                                                       If you think there is an error on your statement, write to us at: pay the ?rst $50.00 of the amount you question even if your  everyday business.  In the section below, we list the reasons financial companies can   
        defaults on your Account may be re?ected on your credit                                                                        If we do not follow all of the rules above, you do not have to 
        information to a consumer reporting agency, write to us at  report was requested and the name and address of any  billing address, phone number, email address, and other  a general credit-related question. OCCC address: 2601 N.  organizations know when the matter has been settled      � information about your creditworthiness 
                                       applying terms that vary with your state of residence. receive notices electronically, we will continue to send billing  about this contract, contact Genesis FS Card Services  Commissioner (OCCC) is a state agency, and it enforces 
                                                                                                         Genesis FS Card Services                                                                        Does Sterling Family  Can you limit 
                                                                                                                                       bill is correct.                                                                            �
        report. If you believe that we have reported inaccurate  Genesis FS Card Services, P.O. Box 4485, Beaverton, OR  consumer reporting agency that furnished the report. We  contact information. Until we receive written notice of your  Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.  certain laws that apply to this contract. If a complaint or  In your letter, give us the following information:  pay the ?rst $50.00 of the amount you question even if your  between us. Reasons we can share your personal information  share their customers� personal information; the reasons Sterling Family of Jewelers �     Federal law gives you the right to limit only 
                                                                                                                                                                                                                                                                       �  affiliates from using your information to market to                 CREDIT TERMS AND CONDITIONS  
                                       statements and other notices to the address we have on ?le  at 1-866-726-5617. The Of?ce of Consumer Credit      P.O. Box 4485   Genesis FS Card Services         of Jewelers  share?  this sharing? 
        information to a consumer reporting agency, write to us at  may report information about your Account to credit  21. Assignment: We may sell, transfer, or assign our rights or  new billing address or email address, if you have elected to    �  Account information: Your name and account number.  bill is correct.  
        97076-4485 and we will investigate the matter.                                                                                                                             chooses to share; and whether you can limit this sharing.                                                                                                  CREDIT DISCLOSURES FOR THE 
                                       for your Account. Subject to Paragraph 19, we deem you to  Fax: (512) 936-7610. Website: occc.texas.gov. E-mail:  Commissioner (OCCC) is a state agency, and it enforces  question cannot be resolved by contacting the creditor, 
                                                                                                           Beaverton, OR 97076-4485 P.O. Box 4485   Your Rights If You Are Dissatis?ed With Your Credit Card                                                             you 
                                                                                                                                       If we do not follow all of the rules above, you do not have to 
        Genesis FS Card Services, P.O. Box 4485, Beaverton, OR  bureaus. Late payments, missed payments, or other  obligations under this Agreement without prior notice to you.  receive notices electronically, we will continue to send billing  consumer.complaints@occc.texas.gov. certain laws that apply to this contract. If a complaint or  consumers can contact the OCCC to ?le a complaint or ask      �  Dollar amount: The dollar amount of the suspected  For our everyday business purposes �  �  sharing for affiliates� everyday business purposes  FOR THE STERLING FAMILY OF 
                                       reside at the billing address we have on ?le for the purpose of  Beaverton, OR 97076-4485       Purchases                         
                                                                                                                                       Your Rights If You Are Dissatis?ed With Your Credit Card 
        97076-4485 and we will investigate the matter. 17. No Waiver by Us: We may, without notice to you,                             pay the ?rst $50.00 of the amount you question even if your                                                                     �  sharing for nonaffiliates to market to you 
        defaults on your Account may be re?ected on your credit  You may not sell, transfer, or assign your rights or obligations  statements and other notices to the address we have on ?le  a general credit-related question. OCCC address: 2601 N.  In your letter, give us the following information:  error.  such as to process your transactions, maintain your  Does Sterling Family  Can you limit  � information about your creditworthiness  STERLING JEWELRY ACCOUNT
                                       applying terms that vary with your state of residence. question cannot be resolved by contacting the creditor,  Purchases                                                                                                        
        delay or refrain from enforcing our rights under this                                                                          bill is correct.                                                                                                                                                                                           JEWELERS ACCOUNT
        report. If you believe that we have reported inaccurate  under this Agreement or your Account. for your Account. Subject to Paragraph 19, we deem you to  NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT 
                                                                       consumers can contact the OCCC to ?le a complaint or ask  Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.      In your letter, give us the following information:  �  Description of problem: If you think there is an error  Reasons we can share your personal information 
                                                                                                                                       If you are dissatis?ed with the goods or services that you            YES  �
                                                                                                        �  Account information: Your name and account number.           account(s), respond to court orders and legal  of Jewelers  share?  this sharing?  NO          State laws and individual companies may give you  �  affiliates from using your information to market to 
        17. No Waiver by Us: We may, without notice to you,  Agreement without losing them (e.g., we may extend the  information to a consumer reporting agency, write to us at  reside at the billing address we have on ?le for the purpose of  21. Assignment: We may sell, transfer, or assign our rights or  CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES 
                                                                       a general credit-related question. OCCC address: 2601 N.  Fax: (512) 936-7610. Website: occc.texas.gov. E-mail:    �  Dollar amount: The dollar amount of the suspected    �  Account information: Your name and account number.  on your bill, describe what you believe is wrong and  have purchased with your credit card, and you have tried in    CREDIT DISCLOSURES FOR THE 
                                                                                                                                       If you are dissatis?ed with the goods or services that you  Your Rights If You Are Dissatis?ed With Your Credit Card  investigations, or report to credit bureaus   you 
        delay or refrain from enforcing our rights under this  time to make some payments without extending the time  Genesis FS Card Services, P.O. Box 4485, Beaverton, OR  22. Liability for Unauthorized Use: You agree to notify us  applying terms that vary with your state of residence. obligations under this Agreement without prior notice to you.  WHICH THE DEBTOR COULD ASSERT AGAINST THE  additional rights to limit sharing.  
                                                                       Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.  consumer.complaints@occc.texas.gov.   �  Dollar amount: The dollar amount of the suspected  why you believe it is a mistake.  
                                                                                                          error.                       good faith to correct the problem with the merchant, you may  have purchased with your credit card, and you have tried in  For our everyday business purposes �   
                                                                                                                                       Purchases                         
        Agreement without losing them (e.g., we may extend the  to make other payments, accept late or partial payments  97076-4485 and we will investigate the matter. promptly if your Card is lost or stolen, or of the unauthorized  You may not sell, transfer, or assign your rights or obligations  SELLER OF GOODS OR SERVICES OBTAINED PURSUANT  �  sharing for nonaffiliates to market to you  STERLING JEWELRY ACCOUNT
                                                                                                         �  Description of problem: If you think there is an error  error.  have the right not to pay the remaining amount due on the  good faith to correct the problem with the merchant, you may  For our marketing purposes �  such as to process your transactions, maintain your   
                                                                       Fax: (512) 936-7610. Website: occc.texas.gov. E-mail:                                                                                                                                            
        time to make some payments without extending the time  without waiving our right to have future payments made  use of your Card, by writing to us at Genesis FS Card Services,  21. Assignment: We may sell, transfer, or assign our rights or  You must contact us: 
                                       under this Agreement or your Account. HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY  NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT 
                                                                       consumer.complaints@occc.texas.gov.   �  Description of problem: If you think there is an error  on your bill, describe what you believe is wrong and  purchase. have the right not to pay the remaining amount due on the  If you are dissatis?ed with the goods or services that you  to offer our products and services to you  account(s), respond to court orders and legal  YES  YES  NO  NO    State laws and individual companies may give you 
        to make other payments, accept late or partial payments  when they are due, and/or waive any charge or fee without  17. No Waiver by Us: We may, without notice to you,  P.O. Box 4480, Beaverton, OR 97076-4480 or by calling us at  obligations under this Agreement without prior notice to you.  HEREUNDER BY THE DEBTOR SHALL NOT EXCEED  CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES    � Within 60 days after the error appeared on your  on your bill, describe what you believe is wrong and    Definitions 
                                                                                                          why you believe it is a mistake. purchase. have purchased with your credit card, and you have tried in    investigations, or report to credit bureaus    
        without waiving our right to have future payments made  losing our right to impose that charge or fee when it is  delay or refrain from enforcing our rights under this  1-866-726-5617. If you orally give us notice, you agree to  You may not sell, transfer, or assign your rights or obligations  22. Liability for Unauthorized Use: You agree to notify us  AMOUNTS PAID BY THE DEBTOR HEREUNDER.  NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT  WHICH THE DEBTOR COULD ASSERT AGAINST THE  statement.  To use this right, all of the following must be true:       additional rights to limit sharing.  
                                                                                                          why you believe it is a mistake. good faith to correct the problem with the merchant, you may  For joint marketing with other financial                       
        when they are due, and/or waive any charge or fee without  due under this Agreement). Agreement without losing them (e.g., we may extend the  con?rm in writing. You may be liable for unauthorized use of  under this Agreement or your Account. promptly if your Card is lost or stolen, or of the unauthorized  CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES  SELLER OF GOODS OR SERVICES OBTAINED PURSUANT    You must contact us:  �  At least 3 business days before an automated payment    To use this right, all of the following must be true:  
                                                                                                                                       have the right not to pay the remaining amount due on the  1.  The purchase must have been made in your home state              Companies related by common ownership or control.  
                                                                                                                                                                        companies  For our marketing purposes �  NO     We don�t share.   
        losing our right to impose that charge or fee when it is  time to make some payments without extending the time  your Card prior to your noti?cation of us. You will not be liable  use of your Card, by writing to us at Genesis FS Card Services,  NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION   
                                                                       WHICH THE DEBTOR COULD ASSERT AGAINST THE  HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY    You must contact us:  �  Within 60 days after the error appeared on your   is scheduled, if you want to stop payment on the    purchase. 1.  The purchase must have been made in your home state  or within 100 miles of your current mailing address, and    They can be financial and nonfinancial companies. 
                                                                                                                                                                         
        18. Customer Communications: Except as prohibited by  22. Liability for Unauthorized Use: You agree to notify us                                                to offer our products and services to you  YES       NO                                         
        due under this Agreement). to make other payments, accept late or partial payments  for unauthorized use that occurs after you notify us of the  P.O. Box 4480, Beaverton, OR 97076-4480 or by calling us at  AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ 
                                                                       SELLER OF GOODS OR SERVICES OBTAINED PURSUANT  HEREUNDER BY THE DEBTOR SHALL NOT EXCEED    � Within 60 days after the error appeared on your  amount you think is wrong. the purchase price must have been more than $50.00.  or within 100 miles of your current mailing address, and    Definitions   
                                                                                                         statement.                                                     For our affiliates� everyday business purposes � 
                                       promptly if your Card is lost or stolen, or of the unauthorized                                                                   
        law, you agree that your calls with us may be monitored                                                                                                                                                                                                                          �
        without waiving our right to have future payments made  loss, theft, or unauthorized use and, in any case, your liability  1-866-726-5617. If you orally give us notice, you agree to  IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE 
                                                                       HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY  AMOUNTS PAID BY THE DEBTOR HEREUNDER.    statement.  �  At least 3 business days before an automated payment  To use this right, all of the following must be true: (Note: Neither of these are necessary if your purchase  the purchase price must have been more than $50.00.   
                                                                                                                                                                                                                        We don�t share.                                �    Sterling Family of Jewelers  does not share with 
                                                                                                                                                                        For joint marketing with other financial  NO 
        18. Customer Communications: You agree that your  and/or recorded and that we (and our successors and  You must notify us of any potential errors in writing. You  information about your transactions and experiences  
        when they are due, and/or waive any charge or fee without  will not exceed $50.00. use of your Card, by writing to us at Genesis FS Card Services,  con?rm in writing. You may be liable for unauthorized use of  ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS 
                                                                       HEREUNDER BY THE DEBTOR SHALL NOT EXCEED    �  At least 3 business days before an automated payment  is scheduled, if you want to stop payment on the    1.  The purchase must have been made in your home state  was based on an advertisement we mailed to you, or if  (Note: Neither of these are necessary if your purchase      Companies related by common ownership or control.  
                                                                                                                                                                                                                         We don�t share.                                 our affiliates. 
        calls with us may be monitored and/or recorded and that  assigns, or anyone acting on our behalf) may contact  may call us, but if you do we are not required to investigate  companies               NO                                                             
        losing our right to impose that charge or fee when it is  P.O. Box 4480, Beaverton, OR 97076-4480 or by calling us at  your Card prior to your noti?cation of us. You will not be liable  CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY THE  NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION 
                                                                       AMOUNTS PAID BY THE DEBTOR HEREUNDER.  amount you think is wrong. is scheduled, if you want to stop payment on the  we own or operate the company that sold you the goods  was based on an advertisement we mailed to you, or if  or within 100 miles of your current mailing address, and       
                                                                                                                                                                        For our affiliates� everyday business purposes �                                               They can be financial and nonfinancial companies. 
                                       23. Authorized Users: You may request additional Cards on  1-866-726-5617. If you orally give us notice, you agree to  any potential errors and you may have to pay the amount in   
        we (or anyone acting on our behalf) may contact you  you from time to time regarding your Account (including  due under this Agreement). for unauthorized use that occurs after you notify us of the  TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT  AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ  amount you think is wrong. or services.) we own or operate the company that sold you the goods  the purchase price must have been more than $50.00.   
                                                                                                                                                                        For our affiliates� everyday business purposes �  NO  We don�t share.                          Companies not related by common ownership or 
        from time to time regarding your Account (including for  for collections purposes) and may suppress caller  your Account, and you may permit an Authorized User to have  con?rm in writing. You may be liable for unauthorized use of  loss, theft, or unauthorized use and, in any case, your liability  WITHOUT INCURRING ANY ADDITIONAL CHARGE. 4. KEEP  NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION  IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE  question. information about your creditworthiness  �
                                                                                                       You must notify us of any potential errors in writing. You    2.  You must have used your credit card for the purchase.  or services.) (Note: Neither of these are necessary if your purchase   
                                                                                                                                                                                                                         We don�t share.                               control.  They can be financial and nonfinancial  �  Sterling Family of Jewelers  does not share with 
        collections purposes). You further agree that all of our  identi?cation.  You further agree that all of our contacts  18. Customer Communications: You agree that your  access to a Card. However, if you do, you are responsible for  your Card prior to your noti?cation of us. You will not be liable  THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5.  AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ  ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS  may call us, but if you do we are not required to investigate  You must notify us of any potential errors in writing. You    information about your transactions and experiences   NO 
                                       will not exceed $50.00.                                                                            Purchases made with cash advances from an ATM or with  was based on an advertisement we mailed to you, or if   
                                                                                                       What Will Happen After We Receive Your Letter   2.  You must have used your credit card for the purchase.  For our nonaffiliates to market to you               companies.  our affiliates. 
        contacts with you may be made via email, text messages  with you (or the contacts by our agents, successors and  calls with us may be monitored and/or recorded and that  all charges made by the Authorized User, including charges  for unauthorized use that occurs after you notify us of the  YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM  IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE  CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY THE  any potential errors and you may have to pay the amount in  may call us, but if you do we are not required to investigate   
                                                                                                                                          a check that accesses your credit card account do not  Purchases made with cash advances from an ATM or with  we own or operate the company that sold you the goods  NO  We don�t share.       
                                                                                                                                                                        For our affiliates� everyday business purposes � 
        or with an automated dialing and announcing or similar  assigns with you) may be made via email, text messages  we (or anyone acting on our behalf) may contact you  for which you may not have intended to be responsible. You  loss, theft, or unauthorized use and, in any case, your liability  23. Authorized Users: You may request additional Cards on  THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR  ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS  TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT  When we receive your letter, we must do two things:  question. any potential errors and you may have to pay the amount in  �
                                                                                                                                          qualify. a check that accesses your credit card account do not  or services.)                           
                                                                                                                                                                        information about your creditworthiness  NO      We don�t share.                               �  Companies not related by common ownership or  Sterling Family of Jewelers  does not share with 
        device and/or an arti?cial voice or prerecorded message.  or with an automated dialing and announcing or similar  from time to time regarding your Account (including for  must notify us to revoke an Authorized User�s permission to  will not exceed $50.00. your Account, and you may permit an Authorized User to have  DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS,  CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY THE  WITHOUT INCURRING ANY ADDITIONAL CHARGE. 4. KEEP  question.
                                                                                                         1.  Within 30 days of receiving your letter, we must tell      3. You must not yet have fully paid for the purchase. 2.  You must have used your credit card for the purchase.  qualify.  
                                                                                                                                                                                                                                                                       control.  They can be financial and nonfinancial  nonaffiliates so they can market to you. 
        You also agree that we may contact you at any telephone  device and/or an arti?cial voice or prerecorded message.  collections purposes). You further agree that all of our  use your Account. If you do so, we may close the Account and  access to a Card. However, if you do, you are responsible for  REQUIRE A RESALE OF THE PROPERTY REPOSSESSED.  TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT  THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5.  What Will Happen After We Receive Your Letter
                                                                                                          you that we received your letter. We will also tell you if    3. You must not yet have fully paid for the purchase. Purchases made with cash advances from an ATM or with   
                                       23. Authorized Users: You may request additional Cards on       What Will Happen After We Receive Your Letter                    Questions?  For our nonaffiliates to market to you                                               companies. 
        number you provide to us, even if you are charged by  You agree that you will not provide telephone number(s)  contacts with you may be made via email, text messages  issue a new Card or Cards with a different Account number. all charges made by the Authorized User, including charges  6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER  WITHOUT INCURRING ANY ADDITIONAL CHARGE. 4. KEEP  YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM  If all of the criteria above are met and you are still dissatis?ed  We don�t share. 
                                                                                                       When we receive your letter, we must do two things:  we have already corrected the error.  a check that accesses your credit card account do not  NO            A formal agreement between nonaffiliated financial   
        your service provider, whether a residential or business  for which you are not the subscriber.  You also agree that  or with an automated dialing and announcing or similar  your Account, and you may permit an Authorized User to have  for which you may not have intended to be responsible. You  YOUR PREMISES OR COMMIT ANY BREACH OF THE  THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5.  THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR  with the purchase, contact us in writing at the address listed    �
                                                                                                           1.  Within 30 days of receiving your letter, we must tell  When we receive your letter, we must do two things:  2.  Within 90 days of receiving your letter, we must either  If all of the criteria above are met and you are still dissatis?ed  qualify.   companies that together market financial products or  �  Sterling Family of Jewelers  does not share with 
        number, even if that number is on a Do Not Call list, is  we (or our agents, successors or assigns) may contact  device and/or an arti?cial voice or prerecorded message.  24. Military Lending Act Compliance: This Agreement  access to a Card. However, if you do, you are responsible for  must notify us to revoke an Authorized User�s permission to  PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS  YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM  DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS,  above.
                                                                                                         1.  Within 30 days of receiving your letter, we must tell  correct the error or explain to you why we believe the bill  with the purchase, contact us in writing at the address listed 
                                                                                                          you that we received your letter. We will also tell you if    3. You must not yet have fully paid for the purchase.
        a wireless, cellular or mobile number; is converted to  You also agree that we may contact you at any telephone  shall be interpreted to comply with the Military Lending  all charges made by the Authorized User, including charges 
        you at any telephone number you provide to us, even  use your Account. If you do so, we may close the Account and  AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS  THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR                                                services to you.  nonaffiliates so they can market to you. 
                                                                       REQUIRE A RESALE OF THE PROPERTY REPOSSESSED.  is correct. you that we received your letter. We will also tell you if  above.                                                                       
        number you provide to us, even if you are charged by  Act, including its restrictions on permissible loan terms and 
        a mobile/wireless number; or connects to any type of  for which you may not have intended to be responsible. You  issue a new Card or Cards with a different Account number. DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS,  we have already corrected the error. 
        if you are charged by your service provider, whether a                                                                         While we investigate, the same rules apply to the disputed  Questions?                                                             
                                                                       AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A  6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER  If all of the criteria above are met and you are still dissatis?ed 
                                                                                                         2.  Within 90 days of receiving your letter, we must either  we have already corrected the error.                                                                               �
                                       limitations on interest and fees. For Accounts opened on                                                                                                                                                                        A formal agreement between nonaffiliated financial 
        mobile/wireless device. You agree that any consent you  must notify us to revoke an Authorized User�s permission to 
        residential or business number, even if that number is on  your service provider, whether a residential or business  REQUIRE A RESALE OF THE PROPERTY REPOSSESSED.  amount as discussed above. After we ?nish our investigation,                               �  Sterling Family of Jewelers  does not joint 
                                                                       PURCHASE UNDER THIS AGREEMENT IF IT HAS BEEN  YOUR PREMISES OR COMMIT ANY BREACH OF THE  While we investigate whether or not there has been an  While we investigate, the same rules apply to the disputed  with the purchase, contact us in writing at the address listed   
                                                                                                         2.  Within 90 days of receiving your letter, we must either 
        number, even if that number is on a Do Not Call list, is  or after October 3, 2017, if you are a Covered Borrower as 
        provide will survive termination of your Account. To opt  use your Account. If you do so, we may close the Account and  24. Military Lending Act Compliance: This Agreement  6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER  correct the error or explain to you why we believe the bill  we will tell you of our decision. At that point, if we think you  amount as discussed above. After we ?nish our investigation,  companies that together market financial products or 
        a Do Not Call list, is a wireless, cellular or mobile number;  SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN  PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS  error: above.                                                                                     market. 
                                       determined in accordance with the safe harbor provisions in  issue a new Card or Cards with a different Account number. shall be interpreted to comply with the Military Lending  YOUR PREMISES OR COMMIT ANY BREACH OF THE  is correct. correct the error or explain to you why we believe the bill   
        out of these contacts, you may call Customer Service at  is converted to a mobile/wireless number; or connects  a wireless, cellular or mobile number; is converted to  owe an amount and you do not pay, we may report you as 
                                                                       THE ADDRESS OF THE SELLER, WHICH MAY BE HIS  AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS    �  We cannot try to collect the amount in question, or  we will tell you of our decision. At that point, if we think you    services to you. 
                                                                                                          is correct.
                                       the Military Lending Act and its implementing regulations:  Act, including its restrictions on permissible loan terms and  delinquent. While we investigate, the same rules apply to the disputed                                
        1-866-726-5617. to any type of mobile/wireless device.  You agree that  a mobile/wireless number; or connects to any type of  MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU  PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS  AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A  owe an amount and you do not pay, we may report you as 
                                       24. Military Lending Act Compliance: This Agreement shall       While we investigate whether or not there has been an  report you as delinquent on that amount.                                                                                   �               0300-30F-5678 0300-30F-5678 60005 60005
                                       limitations on interest and fees. For Accounts opened on 
        any consent you provide will survive termination of your  mobile/wireless device. You agree that any consent you  AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS  PURCHASE UNDER THIS AGREEMENT IF IT HAS BEEN  While we investigate whether or not there has been an  delinquent. amount as discussed above. After we ?nish our investigation,  �  Sterling Family of Jewelers  does not joint 
                                                                                                       error:                                                    R: 8/19
                                       or after October 3, 2017, if you are a Covered Borrower as 
        provide will survive termination of your Account. To opt                                                                       we will tell you of our decision. At that point, if we think you 
                                                                       SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN  error:                                                                                                                                            market. 
                                                                                                                                                                                                                                                                           
                                       determined in accordance with the safe harbor provisions in 
        out of these contacts, you may call Customer Service at                                                                        owe an amount and you do not pay, we may report you as 
                                                                       THE ADDRESS OF THE SELLER, WHICH MAY BE HIS    �  We cannot try to collect the amount in question, or                                                              
       418594-60005_Genesis-Sterling New Rev3.indd   2 the Military Lending Act and its implementing regulations: 
        1-866-726-5617.                                                                                                                delinquent.
                                                                       MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU  report you as delinquent on that amount.                                                                                                                                            0300-30F-5678               60005                          4/24/18   11:49 AM
       94188_418594-60005_Genesis-Sterling_r5.indd   2                                                                                                                                                                                                                                                                                                               7/11/19   2:39 PM
                                                                                                                                                                                                                                          
       418594-60005_Genesis-Sterling New Rev3.indd   2                                                                                                                                                                                                                                                                                                              4/24/18   11:49 AM