Reward yourself with the
finer things in life.
The benefits are all yours.

  • Instant credit
  •  Allows your bank cards to be used for emergencies  

or other uses

  • Convenient shopping in our stores nationwide
  •  Establishes a credit history to assist in future  

buying events

  • Customer Appreciation mailings
  •  You may return your purchase within 60 days or 
exchange it within 90 days of purchase. Watches 
may be exchanged or returned within 30 days 
provided they are in original condition (unworn and 
unaltered) and accompanied by the original packaging, 
instructions and warranty documents. Custom designed 
merchandise, class rings, special ordered watches and 
items engraved with personalized information cannot  
be returned or exchanged. Merchandise received via  
the Jewelry Replacement Plan cannot be returned.
  •  Diamonds backed by our Lifetime Diamond Guarantee
  •  Extended Service Plan is available to protect your  

jewelry from future repair costs

  •  Payment Protection Plan is available to let you buy 
with peace of mind. This optional plan protects your 
credit and your purchases. See the Payment Protection 
brochure for details.

Kay Jewelers and Kay Jewelers Outlet  
Gold Exchange!
Exchange your gold for cash.
Quick • Safe • Secure
Visit kay.com for details.

SUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS

 Annual Percentage Rate 
(APR) for Purchases 

 How to Avoid Paying Interest  
on Purchases 

 Minimum Interest Charge 

 For Credit Card Tips from the 
Consumer Financial  
Protection Bureau

17% to 26.99%. This APR varies by state.  
See Paragraph 3 of the Retail Installment Credit Agreement for details.
Your due date is at least 25 days after the close of each billing cycle. We will not charge you  
interest on purchases if you pay your entire balance by the due date each month.
None to $1.The minimum interest charge varies by state.  
See Paragraph 5 of the Retail Installment Credit Agreement for details.

To learn more about factors to consider when applying for or using a credit card, visit the website 
of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore.

Annual Fee 
Penalty Fees  • Late Payment  

• Returned Payment

None
Up to $37. This fee varies by state. See Paragraph 11.B of the Retail Installment Credit Agreement for details.
Up to $37. This fee varies by state. See Paragraph 11.A of the Retail Installment Credit Agreement for details.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)” in all states except MN and NM; we use a method called 
“average daily balance (excluding new purchases)” in MN and NM. See the Retail Installment Credit Agreement for more details. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Retail Installment Credit Agreement. 

KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT
In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (“Agreement”), the words 
“you” and “your” refer to any person who signs the Application for this Account or this Agreement, or has 
requested and is issued a Kay Jewelers and Kay Jewelers Outlet credit card. “We” “us” and “our” refer to 
Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O. Box 3680, Akron, OH 44309-3680, 
its subsidiaries and affiliates, and any person to whom this Agreement, your Account, and/or any amount due 
on your Account may be assigned. “Account” means your Kay Jewelers and Kay Jewelers Outlet Account, 
which will be governed by this Agreement. “Authorized User” means any person you permit to use your 
Account or who has apparent authority to do so. “Card” means any access device or method by which the 
Account may be accessed, including the Account number. “APR” means Annual Percentage Rate. “Interest” 
and “Interest Charges” mean the periodic finance charges that are calculated pursuant to Paragraph 5.
 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 terms of this Agreement. You are responsible for any transactions you make or 
otherwise incur and any transactions incurred by anyone else you have authorized to use this Account. 
You are also responsible for the use of each Card issued on this Account. You may request additional 
Cards on this Account for yourself or others, and you may permit an Authorized User to have access to the 
Card or Account number. However, if you do so, you must pay us for all charges made by those persons. 
See Paragraph 23 for details. When you sign the Application for this Account, you will be agreeing to 
everything written here. Therefore, before you sign the Application, you should read this entire Agreement. 
The information you provide on the Application that identifies you is incorporated in this Agreement by 
reference. This Agreement will not be effective unless and until we approve your Application. 
2. Balances: Each transaction or group of transactions subject to the same terms (such as the applicable 
APR and duration) shall be considered part of the same balance. The balance subject to the Regular 
APR and the other regular terms set forth in this Agreement is your Account’s regular balance. We 
calculate your total regular balance each billing cycle by taking the regular balance for the prior billing 
cycle, adding any regular purchases, fees, Interest Charges, other finance charges, and other debits, and 
subtracting any payments or other credits, as of the closing date for that billing cycle. Balances subject to 
promotional terms are promotional balances. We calculate the total of any promotional balance by adding 
the promotional purchase for that balance and subtracting any payments allocated to that promotional 
balance or other credits. You authorize us to allocate any payment or credit among your regular and 
promotional balance, in any manner, including in a manner that may be beneficial to us, except where 
otherwise prohibited by applicable law. The total of your regular balance and any promotional balance is 
the “New Balance” shown on your statement. 
3. Your Regular Annual Percentage Rate: If Interest Charges (which are FINANCE CHARGES) are 
assessed during a billing cycle, we will use the following Annual Percentage Rate (the “Regular APR”) and 
corresponding monthly periodic rate, subject to any promotional terms:

If you reside in the state of: We apply the monthly periodic rate of:

AL

AR

1.75% to $750.00
1.5% over $750.00
1.4167%

ANNUAL PERCENTAGE RATE
21%
18%
17%

1.75%

If you reside in the state of: We apply the monthly periodic rate of:
CO, GA, IN, MS, OK, 
TN, TX, VT, WY
DC, MD
HI, MA, MN, NC
MI, NY, OH, WV

2.0%
1.5%
2.0825%
1.75% to $499.99
1.5% for $500.00 & more
2.2491%

NE

All other states

ANNUAL PERCENTAGE RATE

21%

24%
18%
24.99%
21%
18%
26.99%

4. How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of 
each billing cycle. We will not charge you interest in any billing cycle in which payments received (and if 
required by law, credits issued) by the due date equal or exceed the “Balance Payable To Avoid Further 
Interest” shown on your billing statement. The “Balance Payable To Avoid Further Interest Charges” 
shown on your billing statement is your New Balance less any portion of a promotional balance for which 
payment is not required to avoid the imposition of Interest in a billing cycle.
5. Calculation of Interest: In all states except MN and NM, we calculate Interest Charges using the average 
daily balance method (including current transactions). In MN and NM, we calculate Interest Charges using 
the average daily balance method (excluding current transactions). We calculate interest separately for each 
balance on your Account subject to different terms (including APR and duration). We figure the Interest 
Charges by applying the applicable monthly periodic rate to the “average daily balance” for that balance. 
To get the average daily balance for a balance, we take the beginning balance each day, add any new 
transactions (except we do not add in any new transactions in MN and NM); subtract any payments or 
credits and any Late Payment Fees, any Returned Payment Fees, and/or unpaid Interest Charges; and 
make other adjustments. This gives us the daily balance. Then, we add up all the daily balances for the 
billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily 
balance. Any negative daily balance will be treated as zero. If Interest Charges are imposed and the total 
Interest that results from application of the above calculation to each balance is less than $1.00, we will 
impose a minimum Interest Charge of $1.00 (which is a FINANCE CHARGE); except in MI, MO, NY, 
TN, and TX, where we will impose a minimum Interest Charge of $0.70 (which is a FINANCE CHARGE); 
and in AL, AZ, CO, IN, ME, MA, MN, MS, MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose 
a minimum Interest Charge of $0.50 (which is a FINANCE CHARGE). Furthermore, there is no minimum 
Interest Charge in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us to round any calculation used to 
determine Interest Charges, including rounding that may cause minor variations in our favor. The applicable 
monthly periodic rate for a balance is the applicable Annual Percentage Rate divided by twelve (12), and 
rounded to the fourth decimal place. 
6.  Minimum  Payment:  You  agree  to  pay  at  least  the  “Minimum  Payment”  shown  on  your  billing 
statement on or before its due date. Your total Minimum Payment is the sum of any minimum payment 
for your regular balance and for any promotional balance. We base your minimum payment for your 
regular balance on the highest “Regular Balance” (the New Balance less any balance with a separate 

minimum payment) on your Account since the Regular Balance was last reduced to zero (the “Highest 
Regular Balance”). Your balance is considered to be zero when opened or when there is a credit balance. 
We will recalculate the minimum payment if a subsequent return is made, and the Regular Balance is below 
the Highest Regular Balance. The minimum payment for your regular balance will be calculated as follows, 
except any minimum payment in excess of $25.00 will be rounded up to the nearest $5.00 increment, and 
the minimum payment for your regular balance will never exceed the Regular Balance:

 Highest Regular Balance
 Up to $265.00
 $265.01 to $500.00
 $500.01 to $750.00
 $750.01 to $1,500.00
 $1,500.01 to $2,500.00
 $2,500.01 & Up

Minimum Payment 
$25.00
10% of Highest Regular Balance 
9% of Highest Regular Balance
7% of Highest Regular Balance
6% of Highest Regular Balance
5% of Highest Regular Balance

If your billing statement shows a promotional balance (such as a “No Interest” balance, a “Reduced 
Interest Rate” balance, and/or an “Eighteen (18) Month” balance), the minimum payment for this balance 
shall be calculated as specified in Paragraph 7. There shall be no separate, additional minimum payment 
component for a non-regular, non-promotional balance unless we provide you notice of such a requirement.
7. Promotional Terms: At our sole discretion, we may offer you promotional terms for a new purchase or for 
an existing balance. Any promotion will be subject to the terms of the promotional offer and this Agreement. 
Below is a description of some of the promotional terms that we may offer in our sole discretion from time to time. 
No Interest If Paid in Full Plans. If any single purchase is designated as purchased under a no interest 
if paid in full plan, you will pay no interest if the promotional purchase is paid in full in the designated 
promotional time period (which may be 6 months, 12 months, or another period specified in the promotion). 
If the promotional purchase balance is not paid in full by the end of the designated promotional period, or 
if we do not receive a required minimum payment within 60 days of its due date, interest will be charged 
to your account at the Regular APR from the promotional purchase date. Unless the promotion states that 
there is no separate promotional minimum payment, the required minimum payment for the promotional 
balance will be the amount of the promotional purchase divided by the promotional period, rounded up 
to the nearest $5.00 increment. However, if the promotion specifies a minimum purchase amount, in no 
case will the minimum payment be less than the minimum purchase amount divided by the promotional 
period, which may shorten your repayment period in certain instances. The minimum payment will never 
be more than the remaining promotional purchase balance. If the promotion states that there is no separate 
promotional minimum payment, then the amount of the promotional balance will be included in your regular 
balance for the purpose of calculating your minimum payment.
Reduced Rate Plans. If any single purchase is designated as purchased under a reduced rate plan, we 
will calculate the Interest for the promotional balance by using an APR that is less than your Regular APR 
(the “Promotional APR”), in lieu of the Regular APR during the specified promotional period (which may 
be 6 months, 12 months, or some other period specified by us). The Promotional APR will return to your 
Regular APR at the expiration of the promotional period or if we do not receive a required minimum payment 
within 60 days of its due date. See Paragraph 3 for details. Unless the promotion states that there is no 
separate promotional minimum payment, the required minimum payment for the promotional balance will be 
the promotional balance divided by the number of months in the promotional period, multiplied by a factor 
based on the applicable Reduced APR, and rounded up to the nearest $5.00 increment or $25.00, whichever 
is greater. For example, if the promotion has an interest rate of 10.99% and the plan is for 24 months, the 
required minimum payment is determined as follows: 1/24th of the purchase price (less any down payment) 
multiplied by 1.1185 and rounded up to the nearest $5.00 (or $25.00, whichever is greater). The minimum 
payment will never be more than the remaining promotional purchase balance.  However, if the promotion 
specifies a minimum purchase amount, in no case will the minimum payment be less than the minimum 
purchase amount divided by the promotional period, which may shorten your repayment period in certain 
instances. The minimum payment will never be more than the remaining promotional purchase balance.
Eighteen (18) Month Plan. If any single purchase is designated as purchased under the “Eighteen Month 
Plan”, no Interest will be imposed on the promotional purchase for the first twelve (12) months if you make 
all required minimum payments by the end of the 12th month. If we do not receive all required minimum 
payments by the end of the 12th month, or if we do not receive a required minimum payment within 60 days 
of its due date, Interest will be charged to your account at the Regular APR from the promotional purchase 
date. After the first twelve (12) months, we will use the specified reduced APR (the “Promotional APR”), in 
lieu of the Regular APR, to calculate Interest for the next six (6) months. The Promotional APR will return 
to your Regular APR at the expiration of the six month period or if we do not receive a required minimum 
payment within 60 days of its due date. See Paragraph 3 for details.The required minimum payment for 
the promotional balance will be 1/18th of the promotional purchase multiplied by 1.030 and rounded up 
to the nearest $5.00, but not less than $150.00 or not less than $250.00, based on the terms of the offer. 
8. Payments: All payments must be mailed or delivered to us at the address shown on the front of the 
billing statement and accompanied by the payment slip. You must pay us in U.S. dollars drawn on funds 
on deposit in the United States using a check or similar instrument that will be processed and honored by 
your bank. Do not send cash payments. We can accept late or partial payments, as well as payments that 
reflect “paid in full” or other restrictive endorsements, without losing any of our rights under this Agreement. 
We credit your payments in accordance with our payment instructions on the billing statement.
9. Legal Notices: All notices, including notices relating to legal actions, bankruptcy notices, and any notice 

to us that you are represented by counsel in connection with your debt to us, must be sent to us at P.O. 
Box 1799, Akron, OH 44309-1799. If these notices are sent to any other address, it will not satisfy any 
notice requirement under this Agreement or any other legal requirement that you provide notice to us.
10. Arbitration for Disputes – No Jury Trials or Class Actions: This paragraph describes how all Claims 
(as defined in subparagraph A below) will be arbitrated, at the election of you or us, on an individual (non-
class, non-representative) basis instead of litigated in court. 
A. The term “Claim” means any claim, dispute, or controversy between you and us arising from or relating 
to your Card, your Account, or this Agreement as well as any related or prior agreement that you may have 
had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope 
of this arbitration provision or the Agreement. Claims arising in the past, present, or future, including Claims 
arising before the opening of your Account, are subject to arbitration. “Claim” includes, without limitation, 
claims that arise from or relate to any application for your Account or any advertisments, promotions, or 
statements related to your Account or goods or services that may be financed in connection with your 
Account. For purposes of this arbitration provision, “you” and “us” also includes any corporate affiliates, 
any licensees, predecessors, successors, assigns, any purchaser of any accounts, all agents, employees, 
directors and representatives of any of the foregoing, and other persons referred to below in the definition 
of “Claims”. “Claim” includes claims of every kind and nature, including but not limited to initial claims, 
counterclaims, cross-claims, third-party claims, and claims based upon contract, tort, fraud, and other 
intentional torts, statutes, regulations, common law, and equity. Claims and remedies sought as part of a 
class action, private attorney general action, or other representative action are subject to arbitration on an 
individual (non-class, non-representative) basis, and the arbitrator may award relief only on an individual 
(non-class, non-representative) basis. “Claim” also includes claims by or against any third party relating to 
or arising from your Card, your Account, or this Agreement. The term “Claim” is to be given the broadest 
possible meaning that will be enforced. “Administrator” means the American Arbitration Association, 335 
Madison Avenue, New York, NY 10017, www.adr.org, (800) 778-7879; or JAMS, 1920 Main St., Suite 300, 
Irvine, CA 92614, www.jamsadr.com, (949) 224-1810. 
B. We OR you have the right to require that each Claim be resolved by arbitration on an individual (non-class, 
non-representative) basis. A Claim will be arbitrated if (1) both we and you or (2) only one or the other of we or 
you, exercise the right to require that the Claim be arbitrated. If, for example, we exercise our right to require 
that the Claim be resolved by arbitration but you do not also exercise your right to require that the Claim be 
arbitrated, the Claim will be resolved by arbitration. If neither we nor you request arbitration, the Claim will 
not be resolved by arbitration and instead will be litigated in court. We will not elect arbitration for any Claim 
you file in small claims court, so long as the Claim is individual and pending only in that court. The arbitrator’s 
authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator’s authority to 
make awards or decisions is limited to you and us alone. Furthermore, Claims between you and us may not 
be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless 
otherwise agreed to in writing by all parties. However, applicants, co-applicants, authorized users on a single 
Account, or corporate affiliates are considered one person for the purposes of this paragraph. No arbitration 
award will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party 
to the arbitration. This arbitration provision is made pursuant to a transaction involving interstate commerce 
and will be governed by the Federal Arbitration Act (“FAA”) (9 U.S.C. §1, et seq.).
C. If we or you request arbitration of a Claim, we and you will not have the right to litigate the Claim 
in court. This means (1) there will be no jury trial on the Claim, (2) there will be no pre-arbitration 
discovery except as the Administrator’s rules permit, and (3) no Claim may be arbitrated on a class-
action, private attorney general, or other representative basis, and neither we nor you will have the 
right to participate as a representative or member of any class or group of claimants pertaining to 
any Claim subject to arbitration. We or you may elect to arbitrate any Claim at any time unless it 
has been filed in court and trial has begun or final judgment has been entered.
D. The party initiating an arbitration shall select an Administrator from the organizations listed above. If 
none of the Administrators listed above will accept the arbitration, the arbitration will be administered by 
an administrator, or adjudicated by an arbitrator, upon which you and we agree in writing. The arbitration 
shall be governed by the procedures and rules of the Administrator and this Agreement, which need not 
apply federal, state or local rules of procedure and evidence. The Administrator’s procedures and rules 
may limit the discovery available to you or us. You can obtain a copy of an Administrator’s procedures and 
rules by contacting the Administrator. A single, neutral arbitrator will resolve Claims. The arbitrator will be 
either a lawyer with at least ten years experience or a retired or former judge, selected in accordance with 
the rules of the Administrator. In the event of any conflict or inconsistency between this arbitration provision 
and the Administrator’s rules or other provisions of this Agreement, this arbitration provision will govern. 
The arbitrator will take reasonable steps to protect customer account information and other confidential 
information if requested to do so by you or us. Arbitration hearings for Claims by or against you will take place 
in the federal judicial district in which you reside. If you make a request to us in writing, we will temporarily 
advance to you the filing, administrative, and hearing fees for the arbitration of your Claim against us (but 
not if the Claim is against you) in excess of any filing fee you would have been required to pay to file the 
Claim in a state or federal court (whichever is less) in the judicial district in which you reside. At the end of 
the arbitration, the arbitrator will decide if you have to repay the advance (and if you do have to repay, you 
agree to do so). Unless applicable law requires otherwise, we will pay our, and you will pay your, lawyers’, 
experts’, and witnesses’ fees. The arbitrator will apply applicable substantive law consistent with the FAA and 
applicable statutes of limitations, will honor claims of privilege recognized at law, and will have the power to 
award to a party any damages or other relief provided for under applicable law. The arbitrator will make any 
award in writing and, if requested by you or us, will provide a brief statement of the reasons for the award.
E. Judgment upon the arbitrator’s award may be entered in any court with jurisdiction. The arbitrator’s 
decision regarding any claims will be final and binding, except for any appeal right under FAA. The 

Rev. 6/16

WHAT DOES KAY® JEWELERS AND KAY® JEWELERS  
OUTLET DO WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives 
consumers the right to limit some but not all sharing. Federal law also requires us to tell you  
how we collect, share, and protect your personal information. Please read this notice  
carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you  
have with us. This information can include:

• Social Security number and account balances

• payment history and transaction history

• credit history and credit scores

When you are no longer our customer, we continue to share your information as described  
in this notice.

All financial companies need to share customers’ personal information to run their everyday 
business. In the section below, we list the reasons financial companies can share their 
customers’ personal information; the reasons Kay® Jewelers and Kay® Jewelers Outlet chooses  
to share; and whether you can limit this sharing.

For our everyday business purposes – 
such as to process your transactions, maintain your  
account(s), respond to court orders and legal  
investigations, or report to credit bureaus

For our marketing purposes –  
to offer our products and services to you

For joint marketing with other financial companies

For our affiliates’ everyday business purposes – 
information about your transactions and experiences

For our affiliates’ everyday business purposes – 
information about your creditworthiness

For our nonaffiliates to market to you

YES

YES

NO

NO

NO

NO

NO

NO

We don’t share.

We don’t share.

We don’t share.

We don’t share.

Visit www.kay.com or www.kayoutlet.com

Page 1

48300_Kay_English.indd   10

4/15/16   6:44 AM

 
 
  
How does Kay® Jewelers and 
Kay® Jewelers Outlet protect 
my personal information?

To protect your personal information from unauthorized access and use, 
we use security measures that comply with federal law. These measures 
include computer safeguards and secured files and buildings.

How does Kay® Jewelers and 
Kay® Jewelers Outlet collect  
my personal information?

We collect your personal information, for example, when you

•    open an account or give us your contact information

•    pay your bills or apply for a loan

•    use your credit or debit card

We also collect your personal information from others, such as credit 
bureaus, affiliates, or other companies.

Federal law gives you the right to limit only

•     sharing for affiliates’ everyday business purposes – information 

about your creditworthiness

Why can’t I limit all sharing?

•    affiliates from using your information to market to you

•    sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights 
to limit sharing. [See below for more on your rights under state law.]

Affiliates

Nonaffiliates

Joint marketing

Companies related by common ownership or control. They can be 
financial and nonfinancial companies.

• Kay® Jewelers and Kay® Jewelers Outlet does not share with affiliates.

Companies not related by common ownership or control. They can be 
financial and nonfinancial companies.

•  Kay® Jewelers and Kay® Jewelers Outlet does not share with 

nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that 
together market financial products or services to you.

• Kay® Jewelers and Kay® Jewelers Outlet does not joint market.

If you reside in CA or VT, we do not share information to market to you pursuant to joint marketing agreements.

Page 2

48300_Kay_English.indd   9

appealing  party  will  pay  the  appeal  costs.  This  agreement  to  arbitrate  shall  survive  any  suspension, 
termination, revocation or closure of the Agreement or your Account, and any bankruptcy to the extent 
consistent with applicable bankruptcy law.
F. If any part of this arbitration provision cannot be enforced, the rest of the arbitration provision will continue to 
apply. However, an arbitrator cannot enlarge his or her authority over the adjudication of Claims beyond that 
provided by this arbitration provision by enforcing only part of this arbitration provision. If an arbitrator determines 
that applicable law requires this arbitration provision to be enforced in a way that would result in greater authority 
over Claims than otherwise allowed, such as the adjudication of claims on a class or representative basis, then 
the arbitrator must decline to hear the dispute and shall refer the parties to a court or other body with sufficient 
authority. In the event of any conflict or inconsistency between this arbitration provision and the Administrator’s 
rules or other provisions of this Agreement, this arbitration provision will govern. 
11. Fees:
A. Returned Payment Fee: If any check, instrument, or electronic authorization used to pay us is not honored 
upon first presentment, (for residents of MD, second presentment), even if the check, instrument or electronic 
authorization is later honored, we may charge you a Returned Payment Fee. Except as set forth for specified 
states below, this fee is up to $37.00. The fee charged generally will be the highest amount permitted by law, 
subject to the specified maximum. This means that the fee generally will not exceed the amount of the required 
minimum payment due immediately prior to the date on which the payment is returned. In addition, the first 
time you make a payment that is returned, the fee will not exceed $27.00. If you make another payment that is 
returned during the next six billing cycles, the fee will not exceed $37.00.
State
AK, KY, LA, ME, NH, ND, OH, SD, VA, WA, WI
AL, AR, HI, KS, MN, MT, SC, TN, TX
AZ, CO, IL, IN, MI, NV, NC, OK, RI, WV
CA, MD, MO
CT, ID, IA, NJ, NY, UT
FL
GA
OR
DC, DE, MA, MS, NE, NM, PA, VT, WY
We will add any Returned Payment Fee to your Account’s regular balance. 
B. Late Payment Fee: If we do not receive your minimum payment by its due date (or within seven (7) days 
in VA; within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN, KS, KY, MI, MN, MO, MT, NE, NJ, NY, 
OK, SC, WV, and WY; within fifteen (15) days in CA, ME, and MA; within twenty-one (21) days in TX; within 
thirty (30) days in NC; and within forty (40) days in RI), we will impose a Late Payment Fee. The maximum 
fee is set forth below. The fee charged generally will be the highest amount permitted by law. This means 
that the fee generally will not exceed the amount of the required minimum payment due immediately prior to 
the assessment of the fee. In addition, the first time you pay late, the fee will not exceed $27.00. If you pay 
late again during the next six billing cycles, the fee will not exceed $37.00. 
State
Maximum Late Payment Fee
AK, AR, CT, HI, LA, MD, MI, MN, MS, 
NV, NH, NY, ND, OH, OR, PA, SD, WI $37.00 (except $29.00 if the outstanding balance is $249.99 or less)
AL

Maximum Returned Payment Fee
$37.00
$30.00
$25.00
$15.00
$20.00
Greater of 5% of amount of payment or $25.00 (max. $37.00)
Greater of 5% of amount of payment or $30.00 (max. $37.00)
$35.00
None

AZ, KS
CA, CO, DC, IA
DE, NM, TN, VT
FL, MT, NJ, TX
GA

ID

IL, KY, WY

IN
ME
MA
MO

NE

NC

OK 

RI

SC

5% of amount past due but not more than $37.00 and not less 
than $18.00
$10.00 (except $5.00 if the minimum payment is $5.00 to $25.00)
$15.00
None
$10.00
$25.00
Greater of 5% of amount past due or $15.00  
(but not to exceed $37.00)
Greater of 5% of amount past due or $10.00  
(but not to exceed $37.00)
 $18.50
Lesser of 5% of amount past due or $10.00
Lesser of 10% of outstanding balance or $10.00
$10.00 (except $5.00 if the minimum payment is $5.00 to $24.99)
Greater of 5% of amount past due or $5.00  
(but not to exceed $37.00)
 $10.00 (except $5.00 if the outstanding balance is under $100.00)
The greater of 5% of the unpaid amount of the installment or 
$24.50 (not to exceed $37.00)
$12.00
5% of amount past due, but not more than $18.00 and not less 
than $7.20

State
UT
VA

WA

Maximum Late Payment Fee
Greater of 5% of amount past due or $30.00 (but not to exceed $37.00)
5% of amount of installment (but not to exceed $37.00)
$37.00 (except 10% of the average daily balance for prior 30-day period, but 
not less than $2.00, if the balance is less than $100.00)
5% of amount past due, but not to exceed $30.00

WV
We will add any Late Payment Fee to your Account’s regular balance.
12. Security Interest: You grant us a purchase money security interest in each item of merchandise 
purchased on your Account to secure its unpaid purchase price (except in CT, MO (on any purchase 
under $150.00), and NY (on any purchase under $200.00)) until such item of merchandise is paid for in full  
(in NY, not to exceed five (5) years from date the purchase is posted to your Account). Solely for 
the purpose of determining the extent of our purchase money security interest in each such item of 
merchandise, your payments will be allocated first to any unpaid insurance premium, next to any unpaid 
Late Payment Fees, any unpaid Returned Payment Fees, any unpaid Interest, and any other unpaid fees 
or charges, then to pay off each purchase in the order in which the purchase was made.
13. Default/Collection Costs: If you fail to pay any minimum payment when due, or if the prospect of 
payment, performance, or realization of collateral is significantly impaired, to the extent permitted by 
applicable law it will be a default, and, subject to any right you may have under state law to receive notice 
of and to cure such default, we may declare the entire unpaid balance on the Account due and payable 
(except in WI you will not be in default until you fail to make a minimum payment on two occasions within 
a twelve (12) month period). We also may repossess any article of merchandise in which we still retain 
a security interest, but we will do so only in the manner and to the extent permitted by applicable law. If 
the Account is referred to an attorney who is not our salaried employee and we bring a suit against you 
to collect the amount you owe, in addition to the full amount owed and any court costs, you agree to 
pay our reasonable attorney’s fees to the extent permitted by applicable law. Notice to New Hampshire 
Residents: We will pay your reasonable attorney’s fees if you prevail in a suit we bring against you or if 
you prevail in a suit you bring against us under this Agreement. If you successfully assert a partial defense 
or counterclaim, the court may withhold part or all of any attorney’s fees to which we may be entitled.
14. Down Payments, Limiting Your Credit, or Closing Your Account: You have the right to close 
your Account at any time, for any reason. You will still be liable for any balances owed. We may limit 
or terminate the use of your Account and/or raise or lower your credit limit at any time and for any 
reason without advance notice to you. On some transactions, we may require a down payment. Some 
purchases will require our prior authorization, in which case you may be asked to provide identification. 
If our authorization system is not working, we may not be able to authorize a transaction, even if you 
have sufficient available credit. We will not be liable to you if this happens. We are not responsible for 
the refusal of anyone to accept or honor a Card associated with this Account. All Cards we issue remain 
our property and, if requested, you agree to return any Card issued to you. Your credit limit with us may 
be reduced by the amount of credit purchases you make at our related brand jewelers. We may, at our 
discretion, permit you to make a purchase in excess of your stated credit limit. If we do so, this will not 
permanently increase your credit limit. To request the names of our related brand jewelers, please call 
our Credit Customer Service Department at 1-800-877-3616 or 1-330-668-5000, Ext. 6867. 
15. Change in This Agreement: To the extent permitted by law, we may change any term of this 
Agreement, including any Annual Percentage Rate or fee, as well as add and/or subtract terms. 
We will furnish you notice of the change to the extent required by law. If permitted by applicable 
law, any new terms may at our option be applied to any balance existing on the Account at the 
time of change, as well as to any subsequent transactions.
16. Credit Investigation: You authorize us to investigate your credit history by obtaining consumer reports 
and by making direct inquiries of businesses where you have accounts and where you work. We may request 
a consumer report from consumer reporting agencies in considering your application for this Account or 
any other account you have with us and later in connection with an update, renewal, extension of credit or 
collection of the Account or any other account you have with us. Upon your request we will disclose whether a 
consumer report was requested and the name and address of any consumer reporting agency that furnished 
the report. We may report information about your Account to credit bureaus. Late payments, missed 
payments, or other defaults on your Account may be reflected on your credit report. If you believe that 
we have reported inaccurate information to a consumer reporting agency, write to us at the Customer Service 
address listed on your billing statement and we will investigate the matter.
17. No Waiver by Us: We may, without notice to you, delay or refrain from enforcing our rights under this 
Agreement without losing them (e.g., we may extend the time to make some payments without extending 
the time to make other payments, accept late or partial payments without waiving our right to have future 
payments made when they are due, and/or waive any charge or fee without losing our right to impose 
that charge or fee when it is due under this Agreement). 
18. Telephone and Text Contacts, Monitoring and Recording: You agree that your calls with us may be 
monitored and/or recorded and that we (or anyone acting on our behalf) may contact you from time to time 
regarding your Account (including for collections purposes). You further agree that all of our contacts with 
you may be made via email, text messages or with an automated dialing and announcing or similar device 
and/or an artificial voice or prerecorded message. You also agree that we may contact you at any telephone 
number you provide to us, whether a residential or business number, even if that number is on a Do Not 
Call List, is a wireless, cellular or mobile number; is converted to a mobile/wireless number; or connects to 
any type of mobile/wireless device. You agree that you have an established business relationship with us, 
that all of our contacts with you are not unsolicited, and that we may contact you at the telephone number 
you provide in this application, in any of the ways described above, with advertisements and telemarketing 

messages regarding products and services that we believe may be of interest to you. You understand that 
your consent to telemarketing contacts is not a condition of purchasing any property, goods, or services. To 
opt out of these contacts, you may call Customer Service at 1-800-877-3616 or 1-330-668-5000, Ext. 6867.
19. Governing Law: This Agreement and your Account and any claim, dispute, or controversy arising from or 
relating to this Agreement or your Account are governed, to the extent applicable, by U.S. federal law and the 
law of the state of your billing address when this Account was opened or, for non-U.S. residents, the law of the 
state where the Account was opened (without regard to conflicts of laws principles), unless we receive written 
notice that you have moved to another U.S. state pursuant to Paragraph 20. If we receive notice of a change 
in your billing address, except for any Annual Percentage Rate (and corresponding monthly periodic rate) 
applicable to any outstanding balance, the terms applicable to the state of your new billing address will apply 
to all balances on your Account after we receive written notice of your new address. Any Annual Percentage 
Rate (and corresponding monthly periodic rate) applicable to a balance outstanding prior to notification of a 
change in billing address will continue to apply to such balance until it is paid off.
20. Change of Address or Other Contact Information: You agree to notify us promptly in writing of any 
changes to your billing address, phone number, email address, and other contact information. Until we 
receive written notice of your new billing address or email address, if you have elected to receive notices 
electronically, we will continue to send billing statements and other notices to the address we have on 
file for your Account. Subject to Paragraph 19, we deem you to reside at the billing address we have on 
file for the purpose of applying terms that vary with your state of residence.
21. Assignment: We may sell, transfer, or assign our rights or obligations under this Agreement without 
prior notice to you. You may not sell, transfer, or assign your rights or obligations under this Agreement 
or your Account.
22. Liability for Unauthorized Use: You agree to notify us promptly if your Card is lost or stolen, or of 
the unauthorized use of your Card, by writing to us at Kay Jewelers, P.O. Box 3680, Akron, OH 44309-
3680 or by calling us at 1-800-877-3616. If you orally give us notice, you agree to confirm in writing. You 
may be liable for unauthorized use of your Card prior to your notification of us. You will not be liable for 
unauthorized use that occurs after you notify us of the loss, theft, or unauthorized use and, in any case, 
your liability will not exceed $50.00.
23. Authorized Users: You may request additional Cards on your Account, and you may permit an 
Authorized User to have access to a Card. However, if you do, you are responsible for all charges made 
by the Authorized User, including charges for which you may not have intended to be responsible. You 
must notify us to revoke an Authorized User’s permission to use your Account. If you do so, we may close 
the Account and issue a new Card or Cards with a different Account number.
Notice to District of Columbia Residents: A financial benefit inures to the seller by way of commission 
or rebate resulting from your purchase of Credit Insurance coverage on this Account. 
Notice to Florida Residents: The Annual Percentage Rates shown above are authorized by Chapter 
655 of the Florida Statutes.
Notice to Maryland Residents: This Account is governed by Subtitle 9, Title 12 of the Maryland 
Commercial Law Article.
Notice to Michigan Residents: The seller retains a security interest in the 
subject matter of this Agreement.
Notice to Pennsylvania Residents: This is a Security Agreement.
Notice to Texas Residents: For questions or complaints about this contract, contact Kay Jewelers and 
Kay Jewelers Outlet at 1-800-877-3616;or online at Kay.com or KayOutlet.com. The Office of Consumer 
Credit Commissioner (OCCC) is a state agency, and it enforces certain laws that apply to this contract. If 
a complaint or question cannot be resolved by contacting the creditor, consumers can contact the OCCC 
to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd.,Austin, 
Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer.
complaints@occc.texas.gov. Tex. Admin. Code tit. 7, § 86.101. 
NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND 
DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES 
OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY 
THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION AND/OR THIS CREDIT AGREEMENT 
BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE ENTITLED TO A 
COMPLETELY FILLED IN COPY OF THIS CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY 
THE TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT WITHOUT INCURRING ANY 
ADDITIONAL CHARGE. 4. KEEP THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5. YOU 
MAY UNDER CERTAIN CIRCUMSTANCES REDEEM THE PROPERTY, IF REPOSSESSED BECAUSE 
OF YOUR DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS, REQUIRE A RESALE OF 
THE PROPERTY REPOSSESSED. 6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER YOUR 
PREMISES OR COMMIT ANY BREACH OF THE PEACE TO REPOSSESS GOODS PURCHASED 
UNDER THIS AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS AND WASHINGTON 
RESIDENTS: 7. YOU MAY CANCEL A PURCHASE UNDER THIS AGREEMENT IF IT HAS BEEN 
SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN THE ADDRESS OF THE SELLER, 
WHICH MAY BE HIS MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU NOTIFY THE SELLER 
IN WRITING AT HIS MAIN OFFICE OR BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM SENT 
OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF THE THIRD BUSINESS DAY FOLLOWING A 
PURCHASE UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT.
YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL INSTALLMENT CREDIT AGREEMENT.

Buyer

Co-Buyer

Seller-Creditor

Signature

Signature

Suzanne M. Shane, Senior Vice President of In House Credit Operations & 
Customer Care, Sterling Jewelers Inc., d/b/a Kay Jewelers and  
Kay Jewelers Outlet, P.O. Box 3680, Akron, OH 44309-3680

Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at: 
  Sterling Jewelers Inc.
  P.O. Box 3680
  Akron, OH 44309-3680
In your letter, give us the following information: 

• Account information: Your name and account number. 
• Dollar amount: The dollar amount of the suspected error. 
• Description of problem: If you think there is an error on your bill, describe what you believe 
  is wrong and why you believe it is a mistake. 

You must contact us: 

• Within 60 days after the error appeared on your statement. 
• At least 3 business days before an automated payment is scheduled, if you want to stop payment
  on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to 
investigate any potential errors and you may have to pay the amount in question. 
What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
  1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell 

you if we have already corrected the error. 

  2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe 

the bill is correct. 

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your statement, and we may continue to charge you interest on 
that amount. 
•  While you do not have to pay the amount in question, you are responsible for the remainder of your 
balance. 
• We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in question or any interest or other fees 
related to that amount. 
•  If we do not believe there was a mistake: You will have to pay the amount in question, along with 
applicable interest and fees. We will send you a statement of the amount you owe and the date payment 
is due. We may then report you as delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling 
us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that 
you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, 
and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question 
even if your bill is correct. 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you 
have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase. 
To use this right, all of the following must be true:
  1.  The purchase must have been made in your home state or within 100 miles of your current mailing 
address, and the purchase price must have been more than $50.00. (Note: Neither of these are 
necessary if your purchase was based on an advertisement we mailed to you, or if we own or operate 
the company that sold you the goods or services.) 

  2. You must have used your credit card for the purchase. Purchases made with cash advances 

    from an ATM or with a check that accesses your credit card account do not qualify. 

  3. You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at 
the address listed above.
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our 
investigation, we will tell you of our decision. At that point, if we think you owe an amount and you do not 
pay, we may report you as delinquent. 

0300-13S-0000 (R: 6/16)  151895

4/15/16   6:44 AM