on or before its due date. Your total Minimum Payment is the sum of any minimum payment for your  9. Legal Notices: All notices, including notices relating to legal actions, bankruptcy notices, and any notice 
                                          SUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS
                                                                                                                  regular balance and for any promotional balance. We base your minimum payment for your regular  to us that you are represented by counsel in connection with your debt to us, must be sent to us at P.O.  Rev. 10/15
                                           Interest Rates and Interest Charges                                    balance on the highest �Regular Balance� (the New Balance less any balance with a separate minimum  Box 1799, Akron, OH 44309-1799. If these notices are sent to any other address, it will not satisfy any 
                                                                                                                                                      notice requirement under this Agreement or any other legal requirement that you provide notice to us. WHAT DOES KAY� JEWELERS AND KAY� JEWELERS  
                                                                                                                  payment) on your Account since the Regular Balance was last reduced to zero (the �Highest Regular  FACTS
                                            Annual Percentage Rate                                                Balance�). Your balance is considered to be zero when opened or when there is a credit balance. We will  10. Arbitration for Disputes � No Jury Trials or Class Actions: This paragraph describes how all  OUTLET DO WITH YOUR PERSONAL INFORMATION?
        Reward yourself with the                          17% to 24.99%. This APR varies by state. See Paragraph 3 of the Retail Installment Credit 
                                          (APR) for Purchases                                                     recalculate the minimum payment if a subsequent return is made, and the Regular Balance is below the  Claims (as de?ned in subparagraph A below) will be arbitrated, at the election of you or us, on an individual 
                                                          Agreement for details.                                  Highest Regular Balance. The minimum payment for your regular balance will be calculated as follows,  (non-class, non-representative) basis instead of litigated in court. 
            ?ner things in life.                                                                                  except any minimum payment in excess of $25.00 will be rounded up to the nearest $5.00 increment, and  A. The term �Claim� means any claim, dispute, or controversy between you and us arising from or relating 
                                            How to Avoid Paying   Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest  to your Card, your Account, or this Agreement as well as any related or prior agreement that you may have  Financial companies choose how they share your personal information. Federal law gives 
                                                                                                                  the minimum payment for your regular balance will never exceed the Regular Balance: Why?
           The bene?ts are all yours.     Interest on Purchases  on purchases if you pay your entire balance by the due date each month.              had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope  consumers the right to limit some but not all sharing. Federal law also requires us to tell you 
                                                                                                                   Highest Regular Balance  Minimum Payment  of this arbitration provision or the Agreement. Claims arising in the past, present, or future, including Claims 
                                                                                                                                                                                                          how we collect, share, and protect your personal information. Please read this notice  
                                            Minimum Interest                                                       Up to $265.00  $25.00              arising before the opening of your Account, are subject to arbitration. �Claim� includes, without limitation, 
       � Instant credit                                   None to $1.The minimum interest charge varies by state. See Paragraph 5 of the Retail 
                                          Charge                                                                   $265.01 to $500.00  10% of Highest Regular Balance  claims that arise from or relate to any application for your Account or any advertisments, promotions, or  carefully to understand what we do.
                                                          Installment Credit Agreement for details.                                                   statements related to your Account or goods or services that may be ?nanced in connection with your 
       � No annual fee                                                                                             $500.01 to $750.00  9% of Highest Regular Balance
                                            For Credit Card Tips from                                                                                 Account. For purposes of this arbitration provision, �you� and �us� also includes any corporate af?liates, 
                                                          To learn more about factors to consider when applying for or using a credit card, visit the website of the   $750.01 to $1,500.00  7% of Highest Regular Balance
                                                                                                                                                      any licensees, predecessors, successors, assigns, any purchaser of any accounts, all agents, employees, 
       �  Allows your bank cards to be used for   the Consumer Financial                                           $1,500.01 to $2,500.00  6% of Highest Regular Balance
                                                          Consumer Financial Protection Bureau at: http://www.consumer?nance.gov/learnmore.           directors and representatives of any of the foregoing, and other persons referred to below in the de?nition  What? The types of personal information we collect and share depend on the product or service you 
        emergencies or other uses         Protection Bureau                                                        $2,500.01 & Up  5% of Highest Regular Balance of �Claims�. �Claim� includes claims of every kind and nature, including but not limited to initial claims,  have with us. This information can include:
                                                                                                                  If your billing statement shows a promotional balance (such as a �No Interest� balance, a �Reduced  counterclaims, cross-claims, third-party claims, and claims based upon contract, tort, fraud, and other 
       � Convenient shopping in our stores nationwide
                                           Fees                                                                   Interest Rate� balance, and/or an �Eighteen (18) Month� balance), the minimum payment for this balance  intentional torts, statutes, regulations, common law, and equity. Claims and remedies sought as part of a  � Social Security number and account balances
                                                                                                                  shall be calculated as speci?ed in Paragraph 7. There shall be no separate, additional minimum payment  class action, private attorney general action, or other representative action are subject to arbitration on an 
       �  Establishes a credit history to assist in future  
                                            Annual Fee  None                                                      component for a non-regular, non-promotional balance unless we provide you notice of such a requirement. individual (non-class, non-representative) basis, and the arbitrator may award relief only on an individual  � payment history and transaction history
        buying events
                                                                                                                  7. Promotional Terms: At our sole discretion, we may offer you promotional terms for a new purchase  (non-class, non-representative) basis. �Claim� also includes claims by or against any third party relating to 
                                            Penalty Fees 
                                                                                                                  or for an existing balance. Any promotion will be subject to the terms of the promotional offer and this  or arising from your Card, your Account, or this Agreement. The term �Claim� is to be given the broadest  � credit history and credit scores
       � Customer Appreciation mailings
                                             � Late Payment Up to $37. This fee varies by state. See Paragraph 11.B of the Retail Installment Credit Agreement for details. Agreement. Below is a description of some of the promotional terms that we may offer in our sole discretion  possible meaning that will be enforced. �Administrator� means the American Arbitration Association, 335 
                                                                                                                  from time to time.                  Madison Avenue, New York, NY 10017, www.adr.org, (800) 778-7879; or JAMS, 1920 Main St., Suite 300,  When you are no longer our customer, we continue to share your information as described in 
       �  You may return your purchase within 60 days or     � Returned Payment Up to $37. This fee varies by state. See Paragraph 11.A of the Retail Installment Credit Agreement for details.
                                                                                                                  No Interest If Paid in Full Plans. If any single purchase is designated as purchased under a no interest  Irvine, CA 92614, www.jamsadr.com, (949) 224-1810. 
                                                                                                                                                                                                          this notice.
        exchange it within 90 days of purchase. Watches 
                                                                                                                  if paid in full plan, you will pay no interest if the promotional purchase is paid in full in the designated  B. We OR you have the right to require that each Claim be resolved by arbitration on an individual (non-
        may be exchanged or returned within 30 days   How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases)� in all states except MN and NM; we use a method called  promotional time period (which may be 6 months, 12 months, or another period speci?ed in the promotion).  class, non-representative) basis. A Claim will be arbitrated if (1) both we and you or (2) only one or the 
                                                                                                                                                      other of we or you, exercise the right to require that the Claim be arbitrated. If, for example, we exercise 
        provided they are in original condition (unworn   �average daily balance (excluding new purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details.  If the promotional purchase balance is not paid in full by the end of the designated promotional period, or 
                                          Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Retail Installment Credit Agreement.  if we do not receive a required minimum payment within 60 days of its due date, interest will be charged  our right to require that the Claim be resolved by arbitration but you do not also exercise your right  All ?nancial companies need to share customers� personal information to run their everyday 
        and unaltered) and accompanied by the original                                                            to your account at the Regular APR from the promotional purchase date. Unless the promotion states that  to require that the Claim be arbitrated, the Claim will be resolved by arbitration. If neither we nor you  How?
                                                                                                                  there is no separate promotional minimum payment, the required minimum payment for the promotional  request arbitration, the Claim will not be resolved by arbitration and instead will be litigated in court. We  business. In the section below, we list the reasons ?nancial companies can share their 
        packaging, instructions and warranty documents.  KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT  If you reside in the state of:  We apply the monthly periodic rate of:    ANNUAL PERCENTAGE RATE  �          �
                                                                                                                  balance will be the amount of the promotional purchase divided by the promotional period, rounded up  will not elect arbitration for any Claim you ?le in small claims court, so long as the Claim is individual  customers� personal information; the reasons Kay  Jewelers and Kay  Jewelers Outlet  
        Custom designed merchandise, class rings,   In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (�Agreement�), the   AL  1.75% to $750.00   21% to the nearest $5.00 increment. However, if the promotion speci?es a minimum purchase amount, in no  and pending only in that court. The arbitrator�s authority to resolve Claims is limited to Claims between 
                                                                                                                                                                                                          chooses to share; and whether you can limit this sharing.
                                          words �you� and �your� refer to any person who signs the Application for this Account or this Agreement, 
        special ordered watches and items engraved with                                1.5% over $750.00   18%    case will the minimum payment be less than the minimum purchase amount divided by the promotional  you and us alone, and the arbitrator�s authority to make awards or decisions is limited to you and us 
                                          or has requested and is issued a Kay Jewelers and Kay Jewelers Outlet credit card. �We� �us� and �our�   AR  1.4167%   17% period, which may shorten your repayment period in certain instances. The minimum payment will never  alone. Furthermore, Claims between you and us may not be joined or consolidated in arbitration with 
        personalized information cannot be returned or   refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O. Box 3680, Akron, OH  Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties. 
                                                                               CO, GA, IN, MS, OK,                be more than the remaining promotional purchase balance. If the promotion states that there is no separate 
        exchanged.                        44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account,  1.75%   21% However, applicants, co-applicants, authorized users on a single Account, or corporate af?liates are  Does Kay� Jewelers and 
                                                                               TN, TX, VT, WY                     promotional minimum payment, then the amount of the promotional balance will be included in your regular                        Can you limit  
                                          and/or any amount due on your Account may be assigned. �Account� means your Kay Jewelers and  balance for the purpose of calculating your minimum payment. considered one person for the purposes of this paragraph. No arbitration award will have any preclusive  Reasons we can share your personal information Kay� Jewelers Outlet-
       �  Diamonds backed by our Lifetime Diamond                              DC, MD  2.0%            24%                                            effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration. This  this sharing?
                                          Kay Jewelers Outlet Account, which will be governed by this Agreement. �Authorized User� means  Reduced Rate Plans. If any single purchase is designated as purchased under a reduced rate plan, we will  share?
                                                                               HI, MA, MN, NC  1.5%    18%
        Guarantee                                                                                                 calculate the Interest for the promotional balance by using an APR that is less than your Regular APR (the  arbitration provision is made pursuant to a transaction involving interstate commerce and will be governed 
                                          any person you permit to use your Account or who has apparent authority to do so. �Card� means any 
                                                                                       1.75% to $499.99   21%     �Promotional APR�), in lieu of the Regular APR during the speci?ed promotional period (which may be 6  by the Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.).
                                          access device or method by which the Account may be accessed, including the Account number. �APR�  NE                                             For our everyday business purposes �   
       �  Extended Service Plan is available to protect                                1.5% for $500.00 & more   18%                                  C. If we or you request arbitration of a Claim, we and you will not have the right to litigate the Claim 
                                          means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges  months, 12 months, or some other period speci?ed by us). The Promotional APR will return to your Regular 
                                                                                                                                                                                            such as to process your transactions, maintain your  
        your jewelry from future repair costs that are calculated pursuant to Paragraph 5.  All other states   2.0825%    24.99% APR at the expiration of the promotional period or if we do not receive a required minimum payment within  in court. This means (1) there will be no jury trial on the Claim, (2) there will be no pre-arbitration 
                                                                                                                  60 days of its due date. See Paragraph 3 for details. Unless the promotion states that there is no separate  discovery except as the Administrator�s rules permit, and (3) no Claim may be arbitrated on a class- account(s), respond to court orders and legal  
                                           1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts  4. How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each  action, private attorney general, or other representative basis, and neither we nor you will have the   YES NO
       �  Payment Protection Plan is available to let you                                                         promotional minimum payment, the required minimum payment for the promotional balance will be the 
                                          owed to us under the terms of this Agreement. You are responsible for any transactions you make or  billing cycle. We will not charge you interest in any billing cycle in which payments received (and if required 
                                                                                                                  promotional balance divided by the number of months in the promotional period, multiplied by a factor based  right to participate as a representative or member of any class or group of claimants pertaining to  investigations, or report to credit bureaus
        buy with peace of mind. This optional plan   otherwise incur and any transactions incurred by anyone else you have authorized to use this Account.  by law, credits issued) by the due date equal or exceed the �Balance Payable To Avoid Further Interest� 
                                                                                                                  on the applicable Reduced APR, and rounded up to the nearest $5.00 increment or $25.00, whichever is  any Claim subject to arbitration. We or you may elect to arbitrate any Claim at any time unless it 
        protects your credit and your purchases. See the  You are also responsible for the use of each Card issued on this Account. You may request additional  shown on your billing statement. The �Balance Payable To Avoid Further Interest Charges� shown on your  greater. For example, if the promotion has an interest rate of 10.99% and the plan is for 24 months, the  has been ?led in court and trial has begun or ?nal judgment has been entered.
                                                                                                                                                                                            For our marketing purposes �  
                                          Cards on this Account for yourself or others, and you may permit an Authorized User to have access  billing statement is your New Balance less any portion of a promotional balance for which payment is not  D. The party initiating an arbitration shall select an Administrator from the organizations listed above. If 
        Payment Protection brochure for details.                                                                  required minimum payment is determined as follows: 1/24th of the purchase price (less any down payment) 
                                          to the Card or Account number. However, if you do so, you must pay us for all charges made by those  required to avoid the imposition of Interest in a billing cycle. multiplied by 1.1185 and rounded up to the nearest $5.00 (or $25.00, whichever is greater). The minimum  none of the Administrators listed above will accept the arbitration, the arbitration will be administered by  to offer our products and services to you  YES  NO
                                          persons. See Paragraph 23 for details. When you sign the Application for this Account, you will be  5. Calculation of Interest: In all states except MN and NM, we calculate Interest Charges using the  payment will never be more than the remaining promotional purchase balance.  However, if the promotion  an administrator, or adjudicated by an arbitrator, upon which you and we agree in writing. The arbitration 
                                          agreeing to everything written here. Therefore, before you sign the Application, you should read this  average daily balance method (including current transactions). In MN and NM, we calculate Interest  speci?es a minimum purchase amount, in no case will the minimum payment be less than the minimum  shall be governed by the procedures and rules of the Administrator and this Agreement, which need not 
                                                                                                                                                      apply federal, state or local rules of procedure and evidence. The Administrator�s procedures and rules  For joint marketing with other ?nancial  
                                          entire Agreement. The information you provide on the Application that identi?es you is incorporated in  Charges using the average daily balance method (excluding current transactions). We calculate interest  purchase amount divided by the promotional period, which may shorten your repayment period in certain 
         Kay Jewelers and Kay Jewelers Outlet                                 separately for each balance on your Account subject to different terms (including APR and duration). We  instances. The minimum payment will never be more than the remaining promotional purchase balance. may limit the discovery available to you or us. You can obtain a copy of an Administrator�s procedures   NO  We don�t share.
                                          this Agreement by reference. This Agreement will not be effective unless and until we approve your                                                companies
                Gold Exchange!                                                ?gure the Interest Charges by applying the applicable monthly periodic rate to the �average daily balance� 
                                          Application.                                                            Eighteen (18) Month Plan. If any single purchase is designated as purchased under the �Eighteen Month  and rules by contacting the Administrator. A single, neutral arbitrator will resolve Claims. The arbitrator will 
                                                                              for that balance. To get the average daily balance for a balance, we take the beginning balance each day,  Plan�, no Interest will be imposed on the promotional purchase for the ?rst twelve (12) months if you make  be either a lawyer with at least ten years experience or a retired or former judge, selected in accordance 
            Exchange your gold for cash.  2. Balances: Each transaction or group of transactions subject to the same terms (such as the                                                     For our af?liates� everyday business purposes � 
                                                                              add any new transactions (except we do not add in any new transactions in MN and NM); subtract any  all required minimum payments by the end of the 12th month. If we do not receive all required minimum  with the rules of the Administrator. In the event of any con?ict or inconsistency between this arbitration 
                                          applicable APR and duration) shall be considered part of the same balance. The balance subject                                                                                      NO               We don�t share.
              Quick � Safe � Secure                                           payments or credits and any Late Payment Fees, any Returned Payment Fees, and/or unpaid Interest  payments by the end of the 12th month, or if we do not receive a required minimum payment within 60 days  provision and the Administrator�s rules or other provisions of this Agreement, this arbitration provision  information about your transactions and experiences
                                          to the Regular APR and the other regular terms set forth in this Agreement is your Account�s regular 
                                                                              Charges; and make other adjustments. This gives us the daily balance. Then, we add up all the daily  of its due date, Interest will be charged to your account at the Regular APR from the promotional purchase  will govern. The arbitrator will take reasonable steps to protect customer account information and other 
               Visit kay.com for details. balance. We calculate your total regular balance each billing cycle by taking the regular balance for 
                                                                              balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives  date. After the ?rst twelve (12) months, we will use the speci?ed reduced APR (the �Promotional APR�), in  con?dential information if requested to do so by you or us. Arbitration hearings for Claims by or against you 
                                          the prior billing cycle, adding any regular purchases, fees, Interest Charges, other ?nance charges,  us the average daily balance. Any negative daily balance will be treated as zero. If Interest Charges are  lieu of the Regular APR, to calculate Interest for the next six (6) months. The Promotional APR will return  will take place in the federal judicial district in which you reside. If you make a request to us in writing, we  For our af?liates� everyday business purposes � 
                                          and other debits, and subtracting any payments or other credits, as of the closing date for that billing  to your Regular APR at the expiration of the six month period or if we do not receive a required minimum  will temporarily advance to you the ?ling, administrative, and hearing fees for the arbitration of your Claim   NO  We don�t share.
                                                                              imposed and the total Interest that results from application of the above calculation to each balance is less  information about your creditworthiness
                                          cycle. Balances subject to promotional terms are promotional balances. We calculate the total of any        against us (but not if the Claim is against you) in excess of any ?ling fee you would have been required to 
                                                                              than $1.00, we will impose a minimum Interest Charge of $1.00 (which is a FINANCE CHARGE); except in  payment within 60 days of its due date. See Paragraph 3 for details.The required minimum payment for 
                                          promotional balance by adding the promotional purchase for that balance and subtracting any payments  the promotional balance will be 1/18th of the promotional purchase multiplied by 1.030 and rounded up  pay to ?le the Claim in a state or federal court (whichever is less) in the judicial district in which you reside. 
                                                                              MI, MO, NY, TN, and TX, where we will impose a minimum Interest Charge of $0.70 (which is a FINANCE 
                                                                                                                                                      At the end of the arbitration, the arbitrator will decide if you have to repay the advance (and if you do have 
                                          allocated to that promotional balance or other credits. You authorize us to allocate any payment or  to the nearest $5.00, but not less than $150.00 or not less than $250.00, based on the terms of the offer.  For our nonaf?liates to market to you
                                                                              CHARGE); and in AL, AZ, CO, IN, LA, ME, MA, MN, MS, MT, NJ, OK, PA, SC, SD, VT, WV, and WY,                                                     NO               We don�t share.
                                                                                                                                                      to repay, you agree to do so). Unless applicable law requires otherwise, we will pay our, and you will pay 
                                          credit among your regular and promotional balance, in any manner, including in a manner that may be  where we will impose a minimum Interest Charge of $0.50 (which is a FINANCE CHARGE). Furthermore,  8. Payments: All payments must be mailed or delivered to us at the address shown on the front of the 
                                                                                                                  billing statement and accompanied by the payment slip. You must pay us in U.S. dollars drawn on funds  your, lawyers�, experts�, and witnesses� fees. The arbitrator will apply applicable substantive law consistent 
                                          bene?cial to us, except where otherwise prohibited by applicable law. The total of your regular balance  there is no minimum Interest Charge in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us to round 
                                                                                                                  on deposit in the United States using a check or similar instrument that will be processed and honored by  with the FAA and applicable statutes of limitations, will honor claims of privilege recognized at law, and 
                                          and any promotional balance is the �New Balance� shown on your statement.  any calculation used to determine Interest Charges, including rounding that may cause minor variations 
                                                                                                                  your bank. Do not send cash payments. We can accept late or partial payments, as well as payments that  will have the power to award to a party any damages or other relief provided for under applicable law.  Questions? Visit www.kay.com or www.kayoutlet.com
                                          3. Your Regular Annual Percentage Rate: If Interest Charges (which are FINANCE CHARGES) are  in our favor. The applicable monthly periodic rate for a balance is the applicable Annual Percentage Rate 
                                                                                                                  re?ect �paid in full� or other restrictive endorsements, without losing any of our rights under this Agreement.  The arbitrator will make any award in writing and, if requested by you or us, will provide a brief statement 
                                          assessed during a billing cycle, we will use the following Annual Percentage Rate (the �Regular APR�)  divided by twelve (12), and rounded to the fourth decimal place. 
                                                                                                                  We credit your payments in accordance with our payment instructions on the billing statement. of the reasons for the award.
                                          and corresponding monthly periodic rate, subject to any promotional terms: 6. Minimum Payment: You agree to pay at least the �Minimum Payment� shown on your billing statement  Page 1
     Kay.indd   1                                                                                                                                                                                                                                       11/17/15   2:48 PM
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                                                                           E. Judgment upon the arbitrator�s award may be entered in any court with jurisdiction. The arbitrator�s    State  Maximum Late Payment Fee in this application, in any of the ways described above, with advertisements and telemarketing messages  Your Billing Rights: Keep this Document for Future Use 
                                                                           decision regarding any claims will be ?nal and binding, except for any appeal right under FAA. The    RI  $12.00 regarding products and services that we believe may be of interest to you. You understand that your  This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
                                                                           appealing party will pay the appeal costs. This agreement to arbitrate shall survive any suspension,  consent to telemarketing contacts is not a condition of purchasing any property, goods, or services. To opt 
       What we do                                                                                                 SC  5% of amount past due, but not more than $18.00 and not less      What To Do If You Find A Mistake On Your Statement 
                                                                           termination, revocation or closure of the Agreement or your Account, and any bankruptcy to the extent  out of these contacts, you may call Customer Service at 1-800-877-3616 or 1-330-668-5000, Ext. 6867.
                                                                                                                             than $7.20                                                 If you think there is an error on your statement, write to us at: 
                                                                           consistent with applicable bankruptcy law.                               19. Governing Law: This Agreement and your Account and any claim, dispute, or controversy arising from 
                                                                                                                  UT         Greater of 5% of amount past due or $30.00 (but not to exceed $37.00)   Sterling Jewelers Inc.
                                  To protect your personal information from unauthorized access  F. If any part of this arbitration provision cannot be enforced, the rest of the arbitration provision will continue  or relating to this Agreement or your Account are governed, to the extent applicable, by U.S. federal law and 
                                                                                                                 VA          5% of amount of installment (but not to exceed $37.00)
                                                                           to apply. However, an arbitrator cannot enlarge his or her authority over the adjudication of Claims beyond  the law of the state of your billing address when this Account was opened or, for non-U.S. residents, the law    P.O. Box 3680
       How does Kay� Jewelers and  and use, we use security measures that comply with federal law. 
                                                                           that provided by this arbitration provision by enforcing only part of this arbitration provision. If an arbitrator    WA  $37.00 (except 10% of the average daily balance for prior   of the state where the Account was opened (without regard to con?icts of laws principles), unless we receive    Akron, OH 44309-3680
       Kay� Jewelers Outlet protect my  These measures include computer safeguards and secured ?les and  determines that applicable law requires this arbitration provision to be enforced in a way that would result  30-day period, but not less than $2.00, if the balance is less  written notice that you have moved to another U.S. state pursuant to Paragraph 20. If we receive notice  In your letter, give us the following information: 
                                                                           in greater authority over Claims than otherwise allowed, such as the adjudication of claims on a class or  than $100.00) of a change in your billing address, except for any Annual Percentage Rate (and corresponding monthly    � Account information: Your name and account number. 
       personal information?      buildings.
                                                                           representative basis, then the arbitrator must decline to hear the dispute and shall refer the parties to a court   WV  5% of amount past due, but not to exceed $30.00 periodic rate) applicable to any outstanding balance, the terms applicable to the state of your new billing 
                                                                                                                                                                                           � Dollar amount: The dollar amount of the suspected error. 
                                                                           or other body with suf?cient authority. In the event of any con?ict or inconsistency between this arbitration  We will add any Late Payment Fee to your Account�s regular balance. address will apply to all balances on your Account after we receive written notice of your new address. Any 
                                                                                                                                                    Annual Percentage Rate (and corresponding monthly periodic rate) applicable to a balance outstanding    � Description of problem: If you think there is an error on your bill, describe what you believe 
                                  We collect your personal information, for example, when you provision and the Administrator�s rules or other provisions of this Agreement, this arbitration provision will govern.  12. Security Interest: You grant us a purchase money security interest in each item of merchandise 
                                                                           11. Fees:                           purchased on your Account to secure its unpaid purchase price (except in CT, MO (on any purchase  prior to noti?cation of a change in billing address will continue to apply to such balance until it is paid off.     is wrong and why you believe it is a mistake. 
                                                                                                                                                    20. Change of Address or Other Contact Information: You agree to notify us promptly in writing of any  You must contact us: 
       How does Kay� Jewelers and                                          A. Returned Payment Fee: If any check, instrument, or electronic authorization used to pay us is not  under $150.00), and NY (on any purchase under $200.00)) until such item of merchandise is paid for in full  
                                  �    open an account or give us your contact information honored upon ?rst presentment, (for residents of MD, second presentment), even if the check, instrument or  (in NY, not to exceed ?ve (5) years from date the purchase is posted to your Account). Solely for the purpose  changes to your billing address, phone number, email address, and other contact information. Until we receive    � Within 60 days after the error appeared on your statement. 
       Kay� Jewelers Outlet collect my                                     electronic authorization is later honored, we may charge you a Returned Payment Fee. Except as set forth  of determining the extent of our purchase money security interest in each such item of merchandise, your  written notice of your new billing address or email address, if you have elected to receive notices electronically,    � At least 3 business days before an automated payment is scheduled, if you want to stop payment
                                  �    pay your bills or apply for a loan  for speci?ed states below, this fee is up to $37.00. The fee charged generally will be the highest amount  payments will be allocated ?rst to any unpaid insurance premium, next to any unpaid Late Payment Fees,  we will continue to send billing statements and other notices to the address we have on ?le for your Account. 
       personal information?                                                                                                                                                                 on the amount you think is wrong. 
                                                                           permitted by law, subject to the speci?ed maximum. This means that the fee generally will not exceed  any unpaid Returned Payment Fees, any unpaid Interest, and any other unpaid fees or charges, then to  Subject to Paragraph 19, we deem you to reside at the billing address we have on ?le for the purpose of 
                                  �    use your credit or debit card                                                                                applying terms that vary with your state of residence. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to 
                                                                           the amount of the required minimum payment due immediately prior to the date on which the payment  pay off each purchase in the order in which the purchase was made.
                                                                           is returned. In addition, the ?rst time you make a payment that is returned, the fee will not exceed $27.00  13. Default/Collection Costs: If you fail to pay any minimum payment when due, or if the prospect of  21. Assignment: We may sell, transfer, or assign our rights or obligations under this Agreement without  investigate any potential errors and you may have to pay the amount in question. 
                                                                                                                                                    prior notice to you. You may not sell, transfer, or assign your rights or obligations under this Agreement  What Will Happen After We Receive Your Letter 
                                  We also collect your personal information from others, such as credit  (except in LA, $26.00). If you make another payment that is returned during the next six billing cycles, the  payment, performance, or realization of collateral is signi?cantly 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  or your Account.
                                                                           fee will not exceed $37.00.                                                                                  When we receive your letter, we must do two things: 
                                  bureaus, af?liates, or other companies.                                      and to cure such default, we may declare the entire unpaid balance on the Account due and payable (except  22. Liability for Unauthorized Use: You agree to notify us promptly if your Card is lost or stolen, or of    1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also
                                                                            State           Maximum Returned Payment Fee in WI you will not be in default until you fail to make a minimum payment on two occasions within a twelve  the unauthorized use of your Card, by writing to us at Kay Jewelers, P.O. Box 3680, Akron, OH 44309-      tell you if we have already corrected the error. 
                                                                            AL, HI, KS, MN, MT, SC, TN, TX  $30.00 (12) month period). We also may repossess any article of merchandise in which we still retain a security  3680 or by calling us at 1-800-877-3616. If you orally give us notice, you agree to con?rm in writing. You 
                                                                                                                                                                                           2. Within 90 days of receiving your letter, we must either correct the error or explain to you why 
                                  Federal law gives you the right to limit only
                                                                            AZ, AR, CO, IL, IN, MI, NV, NC, OK,   $25.00 interest, but we will do so only in the manner and to the extent permitted by applicable law. If the Account  may be liable for unauthorized use of your Card prior to your noti?cation of us. You will not be liable for 
                                                                                                                                                    unauthorized use that occurs after you notify us of the loss, theft, or unauthorized use and, in any case,       we believe the bill is correct. 
                                                                            RI, WV                             is referred to an attorney who is not our salaried employee and we bring a suit against you to collect the 
                                                                                                               amount you owe, in addition to the full amount owed and any court costs, you agree to pay our reasonable  your liability will not exceed $50.00. While we investigate whether or not there has been an error:
                                  �     sharing for af?liates� everyday business purposes � information   CA, MD, MO  $15.00
       Why can�t I limit all sharing?                                                                                                               23. Authorized Users: You may request additional Cards on your Account, and you may permit an    � We cannot try to collect the amount in question, or report you as delinquent on that amount. 
                                                                            CT, ID, IA, NJ, NY, UT  $20.00     attorney�s fees to the extent permitted by applicable law. Notice to New Hampshire Residents: We will 
                                    about your creditworthiness                                                pay your reasonable attorney�s fees if you prevail in a suit we bring against you or if you prevail in a suit  Authorized User to have access to a Card. However, if you do, you are responsible for all charges made by    � The charge in question may remain on your statement, and we may continue to charge you 
                                                                            FL              Greater of 5% of amount of payment or $25.00            the Authorized User, including charges for which you may not have intended to be responsible. You must 
                                                                                            (max. $37.00)      you bring against us under this Agreement. If you successfully assert a partial defense or counterclaim, the     interest on that amount. 
                                  �    af?liates from using your information to market to you                  court may withhold part or all of any attorney�s fees to which we may be entitled. notify us to revoke an Authorized User�s permission to use your Account. If you do so, we may close the 
                                                                            GA              Greater of 5% of amount of payment or $30.00                                                   � While you do not have to pay the amount in question, you are responsible for the remainder 
                                                                                                               14. Down Payments, Limiting Your Credit, or Closing Your Account: You have the right to close your  Account and issue a new Card or Cards with a different Account number.
                                  �    sharing for nonaf?liates to market to you            (max. $37.00)                                           Notice to District of Columbia Residents: A ?nancial bene?t inures to the seller by way of commission or     of your balance. 
                                                                                                               Account at any time, for any reason. You will still be liable for any balances owed. We may limit or terminate 
                                                                            OR              $35.00                                                  rebate resulting from your purchase of Credit Insurance coverage on this Account.    � We can apply any unpaid amount against your credit limit. 
                                                                                                               the use of your Account and/or raise or lower your credit limit at any time and for any reason without advance 
                                                                            DC, DE, MA, MS, NE, NM, PA, VT, WY  None
                                  State laws and individual companies may give you additional rights           notice to you. On some transactions, we may require a down payment. Some purchases will require our  Notice to Florida Residents: The Annual Percentage Rates shown above are authorized by Chapter 655  After we ?nish our investigation, one of two things will happen:
                                                                                                               prior authorization, in which case you may be asked to provide identi?cation. If our authorization system is  of the Florida Statutes.  � If we made a mistake: You will not have to pay the amount in question or any interest or other 
                                  to limit sharing. [See below for more on your rights under state law.] We will add any Returned Payment Fee to your Account�s regular balance.  not working, we may not be able to authorize a transaction, even if you have suf?cient available credit. We  Notice to Maryland Residents: This Account is governed by Subtitle 9, Title 12 of the Maryland     fees related to that amount. 
                                                                           B. Late Payment Fee: If we do not receive your minimum payment by its due date (or within seven (7)  will not be liable to you if this happens. We are not responsible for the refusal of anyone to accept or honor  Commercial Law Article.
                                                                                                                                                                                         � If we do not believe there was a mistake: You will have to pay the amount in question, along 
                                                                           days in VA; within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN, KS, KY, MI, MN, MO, MT, NE,  a Card associated with this Account. All Cards we issue remain our property and, if requested, you agree to  Notice to Michigan Residents: The seller retains a security interest in the    with applicable interest and fees. We will send you a statement of the amount you owe and the 
                                                                           NJ, NY, OK, SC, WV, and WY; within ?fteen (15) days in CA, ME, and MA; within twenty-one (21) days in  return any Card issued to you. Your credit limit with us may be reduced by the amount of credit purchases you 
       De?nitions                                                                                                                                   subject matter of this Agreement.
                                                                           TX; within thirty (30) days in NC; and within forty (40) days in RI), we will impose a Late Payment Fee. The     date payment is due. We may then report you as delinquent if you do not pay the amount we
                                                                                                               make at our related brand jewelers. We may, at our discretion, permit you to make a purchase in excess of  Notice to Pennsylvania Residents: This is a Security Agreement.
                                                                           maximum fee is set forth below. The fee charged generally will be the highest amount permitted by law. This  your stated credit limit. If we do so, this will not permanently increase your credit limit. To request the names     think you owe. 
                                                                           means that the fee generally will not exceed the amount of the required minimum payment due immediately  Notice to Texas Residents: The Regular APR shown above is authorized by the Optional Rate Ceiling that 
                                  Companies related by common ownership or control. They can be                of our related brand jewelers, please call our Credit Customer Service Department at 1-800-877-3616 or  If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling 
                                                                                                                                                    is in effect under Tex. Fin. Code Ann. � 303.009. To contact Kay Jewelers and Kay Jewelers Outlet about this 
        Af?liates                                                          prior to the assessment of the fee. In addition, the ?rst time you pay late, the fee will not exceed $27.00  1-330-668-5000, Ext. 6867.  us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that 
                                  ?nancial and non?nancial companies.      (except in LA, $26.00). If you pay late again during the next six billing cycles, the fee will not exceed $37.00.   Account, call 1-800-877-3616. This contract is subject in whole or in part to Texas law which is enforced by 
                                                                                                               15. Change in This Agreement: To the extent permitted by law, we may change any term of this  the Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX 78705-4207; (800) 538-1579;  you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, 
                                                                                                               Agreement, including any Annual Percentage Rate or fee, as well as add and/or subtract terms. We  www.occc.state.tx.us; and can be contacted relative to any inquiries or complaints.  and we must let those organizations know when the matter has been settled between us.
                                                                             State      Maximum Late Payment Fee will furnish you notice of the change to the extent required by law. If permitted by applicable law, 
                                  �    Kay� Jewelers and Kay� Jewelers Outlet does not share                                                        NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE  If we do not follow all of the rules above, you do not have to pay the ?rst $50.00 of the amount you question 
                                                                             AR         $35.00 (except $29.00 if the outstanding balance is $249.99 any new terms may at our option be applied to any balance existing on the Account at the time of 
                                     with af?liates.
                                                                                                               change, as well as to any subsequent transactions. DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE  even if your bill is correct. 
                                                                                        or less)
                                                                                                                                                    PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR  Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
                                                                             AK, CT, HI, LA, MD, MI, MN, MS, NV,  $37.00 (except $29.00 if the outstanding balance is $249.99 16. Credit Investigation: You authorize us to investigate your credit history by obtaining consumer reports 
                                                                                                                                                    HEREUNDER. 
        Nonaf?liates                                                         NH, NY, ND, OH, OR, PA, SD, WI  or less) and by making direct inquiries of businesses where you have accounts and where you work. We may  If you are dissatis?ed with the goods or services that you have purchased with your credit card, and you 
                                  Companies not related by common ownership or control. They can be 
                                                                                                                                                    NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF 
                                                                                        5% of amount past due but not more than $37.00 and request a consumer report from consumer reporting agencies in considering your application for this  have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
                                  ?nancial and non?nancial companies.       AL                                                                      IT CONTAINS ANY BLANK SPACES. 2. YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS CREDIT AGREEMENT. 
                                                                                        not less than $18.00   Account or any other account you have with us and later in connection with an update, renewal, extension  remaining amount due on the purchase. 
                                                                                                               of credit or collection of the Account or any other account you have with us. Upon your request we will  3. YOU MAY AT ANY TIME PAY THE TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT WITHOUT INCURRING 
                                                                             AZ, KS     $10.00 (except $5.00 if the minimum payment is $5.00 to $25.00)                                 To use this right, all of the following must be true:
                                                                             CA, CO, DC, IA  $15.00            disclose whether a consumer report was requested and the name and address of any consumer reporting  ANY ADDITIONAL CHARGE. 4. KEEP THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5. YOU MAY UNDER CERTAIN 
                                  �     Kay� Jewelers and Kay� Jewelers Outlet does not share with 
                                                                                                               agency that furnished the report. We may report information about your Account to credit bureaus.  CIRCUMSTANCES REDEEM THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR DEFAULT, AND YOU MAY, UNDER CERTAIN    1. The purchase must have been made in your home state or within 100 miles of your current
                                                                             DE, NM, TN, VT  None                                                                                            mailing address, and the purchase price must have been more than $50.00. (Note: Neither of
                                    nonaf?liates so they can market to you.                                    Late payments, missed payments, or other defaults on your Account may be re?ected on your credit  CONDITIONS, REQUIRE A RESALE OF THE PROPERTY REPOSSESSED. 6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER 
                                                                             FL, MT, NJ, TX  $10.00
                                                                                                               report. If you believe that we have reported inaccurate information to a consumer reporting agency, write  YOUR PREMISES OR COMMIT ANY BREACH OF THE PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS AGREEMENT.       these are necessary if your purchase was based on an advertisement we mailed to you, or if
                                                                             GA         $25.00
                                                                                                               to us at the Customer Service address listed on your billing statement and we will investigate the matter. ADDITIONAL NOTICE FOR MASSACHUSETTS AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A PURCHASE UNDER THIS       we own or operate the company that sold you the goods or services.) 
        Joint marketing           A formal agreement between nonaf?liated ?nancial companies that      Greater of 5% of amount past due or $15.00 (but not to 
                                                                            ID                                 17. No Waiver by Us: We may, without notice to you, delay or refrain from enforcing our rights under this  AGREEMENT IF IT HAS BEEN SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN THE ADDRESS OF THE SELLER, WHICH    2. You must have used your credit card for the purchase. Purchases made with cash advances 
                                                                                        exceed $37.00)
                                  together market ?nancial products or services to you.                        Agreement without losing them (e.g., we may extend the time to make some payments without extending  MAY BE HIS MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR 
                                                                                                                                                                                               from an ATM or with a check that accesses your credit card account do not qualify. 
                                                                             IL, KY, WY  Greater of 5% of amount past due or $10.00 (but not to  the time to make other payments, accept late or partial payments without waiving our right to have future  BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF THE THIRD 
                                                                                        exceed $37.00)                                                                                     3. You must not yet have fully paid for the purchase. 
                                                                                                               payments made when they are due, and/or waive any charge or fee without losing our right to impose that  BUSINESS DAY FOLLOWING A PURCHASE UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT.
                                                                             IN  $18.50                                                             YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL INSTALLMENT CREDIT AGREEMENT. If all of the criteria above are met and you are still dissatis?ed with the purchase, contact us in writing at 
                                  �    Kay� Jewelers and Kay� Jewelers Outlet does not joint market.           charge or fee when it is due under this Agreement). 
                                                                             ME         Lesser of 5% of amount past due or $10.00 18. Telephone and Text Contacts, Monitoring and Recording: You agree that your calls with us may  the address listed above.
                                                                             MA         Lesser of 10% of outstanding balance or $10.00 be monitored and/or recorded and that we (or anyone acting on our behalf) may contact you from time to   Buyer   Signature While we investigate, the same rules apply to the disputed amount as discussed above. After we ?nish our 
                                                                             MO         $10.00 (except $5.00 if the minimum payment is $5.00 to $24.99) time regarding your Account (including for collections purposes). You further agree that all of our contacts  investigation, we will tell you of our decision. At that point, if we think you owe an amount and you do not 
       Other important information                                                      Greater of 5% of amount past due or $5.00 (but not to  with you may be made via email, text messages or with an automated dialing and announcing or similar   Co-Buyer   Signature pay, we may report you as delinquent. 
                                                                            NE
                                                                                        exceed $37.00)         device and/or an arti?cial voice or prerecorded message. You also agree that we may contact you at any 
       If you reside in CA or VT, we do not share information to market to you pursuant to joint marketing agreements.   NC   $10.00 (except $5.00 if the outstanding balance is under $100.00) telephone number you provide to us, whether a residential or business number, even if that number is a   Seller-Creditor
                                                                             OK         The greater of 5% of the unpaid amount of the installment or  wireless, cellular or mobile number; is converted to a mobile/wireless number; or connects to any type of  Mario P. Weiss, Senior Vice President Credit Operations,
                                                                                        $24.50 (not to exceed $37.00) mobile/wireless device. You agree that you have an established business relationship with us, that all of our  Sterling Jewelers Inc., d/b/a Kay Jewelers and  
      Page 2                                                                                                   contacts with you are not unsolicited, and that we may contact you at the telephone number you provide  Kay Jewelers Outlet, P.O. Box 3680, Akron, OH 44309-3680 0300-13S-0000 (R: 12/15)  150991
     Kay.indd   2                                                                                                                                                                                                                                       11/17/15   2:41 PM