appealing party will pay the appeal costs. This agreement to arbitrate shall survive any suspension,  State Maximum Late Payment Fee messages regarding products and services that we believe may be of interest to you. You understand that 
                                                                            termination, revocation or closure of the Agreement or your Account, and any bankruptcy to the extent       Buyer          Signature
          What we do                                                                                             UT      Greater of 5% of amount past due or $30.00 (but not to exceed $37.00) your consent to telemarketing contacts is not a condition of purchasing any property, goods, or services. To 
                                                                            consistent with applicable bankruptcy law.                               opt out of these contacts, you may call Customer Service at 1-800-877-3616 or 1-330-668-5000, Ext. 6867.
                                                                            F. If any part of this arbitration provision cannot be enforced, the rest of the arbitration provision will continue  VA 5% of amount of installment (but not to exceed $37.00)
                                                                                                                                                     19. Governing Law: This Agreement and your Account and any claim, dispute, or controversy arising  Co-Buyer Signature
          How does Jared The Galleria  To protect your personal information from unauthorized access and use,  to apply. However, an arbitrator cannot enlarge his or her authority over the adjudication of Claims beyond  $37.00 (except 10% of the average daily balance for prior 30-day period, but 
                                                                                                                 WA                                  from or relating to this Agreement or your Account are governed, to the extent applicable, by U.S. 
                                                                            that provided by this arbitration provision by enforcing only part of this arbitration provision. If an arbitrator  not less than $2.00, if the balance is less than $100.00) federal law and the law of the state of your billing address when this Account was opened or, for non- Seller-Creditor
          Of Jewelry protect my   we use security measures that comply with federal law. These measures                                                                                                                                  c r e d i t  c a r d
                                                                            determines that applicable law requires this arbitration provision to be enforced in a way that would result  WV 5% of amount past due, but not to exceed $30.00 U.S. residents, the law of the state where the Account was opened (without regard to con?icts of laws 
          personal information?   include computer safeguards and secured ?les and buildings. in greater authority over Claims than otherwise allowed, such as the adjudication of claims on a class or 
                                                                                                                 We will add any Late Payment Fee to your Account�s regular balance. principles), unless we receive written notice that you have moved to another U.S. state pursuant to  Suzanne M. Shane, Senior Vice President of In House Credit Operations &  
                                                                            representative basis, then the arbitrator must decline to hear the dispute and shall refer the parties to a court 
                                                                                                                 12. Security Interest: You grant us a purchase money security interest in each item of merchandise  Paragraph 20. If we receive notice of a change in your billing address, except for any Annual Percentage  Customer Care, Sterling Jewelers Inc., d/b/a Jared The Galleria Of Jewelry,   t e r m s  &  c o n d i t i o n s
                                                                            or other body with suf?cient authority. In the event of any con?ict or inconsistency between this arbitration  Jared Jewelry Boutique and Jared Vault, P.O. Box 3680, Akron, OH 44309-3680
                                                                                                                 purchased on your Account to secure its unpaid purchase price (except in CT, MO (on any purchase  Rate (and corresponding monthly periodic rate) applicable to any outstanding balance, the terms 
                                  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. 
                                                                                                                 under $150.00), and NY (on any purchase under $200.00)) until such item of merchandise is paid for in full   applicable to the state of your new billing address will apply to all balances on your Account after we 
                                                                            11. Fees:                                                                                                   Your Billing Rights: Keep this Document for Future Use 
                                                                                                                 (in NY, not to exceed ?ve (5) years from date the purchase is posted to your Account). Solely for  receive written notice of your new address. Any Annual Percentage Rate (and corresponding monthly 
                                                                                                                                                                                        This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
                                  �    open an account or give us your contact information A. Returned Payment Fee: If any check, instrument, or electronic authorization used to pay us is not honored 
                                                                                                                 the purpose of determining the extent of our purchase money security interest in each such item of  periodic rate) applicable to a balance outstanding prior to noti?cation of a change in billing address will 
                                                                            upon ?rst presentment, (for residents of MD, second presentment), even if the check, instrument or electronic  continue to apply to such balance until it is paid off. What To Do If You Find A Mistake On Your Statement 
          How does Jared The Galleria                                                                            merchandise, your payments will be allocated ?rst to any unpaid insurance premium, next to any unpaid 
                                  �    pay your bills or apply for a loan   authorization is later honored, we may charge you a Returned Payment Fee. Except as set forth for speci?ed  If you think there is an error on your statement, write to us at: 
                                                                                                                 Late Payment Fees, any unpaid Returned Payment Fees, any unpaid Interest, and any other unpaid fees  20. Change of Address or Other Contact Information: You agree to notify us promptly in writing of any 
          Of Jewelry collect my                                             states below, this fee is up to $37.00. The fee charged generally will be the highest amount permitted by law, 
                                                                                                                 or charges, then to pay off each purchase in the order in which the purchase was made. changes to your billing address, phone number, email address, and other contact information. Until we    Sterling Jewelers Inc.
                                  �    use your credit or debit card
          personal information?                                             subject to the speci?ed maximum. This means that the fee generally will not exceed the amount of the required 
                                                                                                                 13. Default/Collection Costs: If you fail to pay any minimum payment when due, or if the prospect of  receive written notice of your new billing address or email address, if you have elected to receive notices    P.O. Box 3680
                                                                            minimum payment due immediately prior to the date on which the payment is returned. In addition, the ?rst 
                                                                                                                 payment, performance, or realization of collateral is signi?cantly impaired, to the extent permitted by  electronically, we will continue to send billing statements and other notices to the address we have on ?le    Akron, OH 44309-3680
                                  We also collect your personal information from others, such as credit  time you make a payment that is returned, the fee will not exceed $27.00. If you make another payment that 
                                                                                                                 applicable law it will be a default, and, subject to any right you may have under state law to receive notice  for your Account. Subject to Paragraph 19, we deem you to reside at the billing address we have on ?le  In your letter, give us the following information: 
                                  bureaus, af?liates, or other companies.   is returned during the next six billing cycles, the fee will not exceed $37.00.                               � Account information: Your name and account number. 
                                                                                                                 of and to cure such default, we may declare the entire unpaid balance on the Account due and payable  for the purpose of applying terms that vary with your state of residence.
                                                                             State         Maximum Returned Payment Fee (except in WI you will not be in default until you fail to make a minimum payment on two occasions within  21. Assignment: We may sell, transfer, or assign our rights or obligations under this Agreement without    � 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 
                                                                             AK, KY, LA, ME, NH, ND, OH, SD, VA, WA, WI $37.00 a twelve (12) month period). We also may repossess any article of merchandise in which we still retain  prior notice to you. You may not sell, transfer, or assign your rights or obligations under this Agreement 
                                                                                                                 a security interest, but we will do so only in the manner and to the extent permitted by applicable law. If  or your Account.     is wrong and why you believe it is a mistake. 
                                  Federal law gives you the right to limit only AL, AR, HI, KS, MN, MT, SC, TN, TX $30.00
                                                                                                                 the Account is referred to an attorney who is not our salaried employee and we bring a suit against you  22. Liability for Unauthorized Use: You agree to notify us promptly if your Card is lost or stolen, or of the  You must contact us: 
                                                                             AZ, CO, IL, IN, MI, NV, NC, OK, RI, WV $25.00
                                  �     sharing for af?liates� everyday business purposes � information          to collect the amount you owe, in addition to the full amount owed and any court costs, you agree to  unauthorized use of your Card, by writing to us at Jared the Galleria of Jewelry, P.O. Box 3680, Akron,    � Within 60 days after the error appeared on your statement. 
                                                                             CA, MD, MO    $15.00                pay our reasonable attorney�s fees to the extent permitted by applicable law. Notice to New Hampshire  OH 44309-3680 or by calling us at 1-800-877-3616. If you orally give us notice, you agree to con?rm in    � At least 3 business days before an automated payment is scheduled, if you want to stop payment
                                     about your creditworthiness
                                                                             CT, ID, IA, NJ, NY, UT $20.00       Residents: We will pay your reasonable attorney�s fees if you prevail in a suit we bring against you or if  writing. You may be liable for unauthorized use of your Card prior to your noti?cation of us. You will not      on the amount you think is wrong. 
                                                                                                                                                     be liable for unauthorized use that occurs after you notify us of the loss, theft, or unauthorized use and,  You must notify us of any potential errors in writing. You may call us, but if you do we are not required to 
          Why can�t I limit all sharing? �    af?liates from using your information to market to you FL Greater of 5% of amount of payment or $25.00 (max. $37.00) 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. in any case, your liability will not exceed $50.00. investigate any potential errors and you may have to pay the amount in question. 
                                                                             GA            Greater of 5% of amount of payment or $30.00 (max. $37.00)
                                  �    sharing for nonaf?liates to market to you                                 14. Down Payments, Limiting Your Credit, or Closing Your Account: You have the right to close  23. Authorized Users: You may request additional Cards on your Account, and you may permit an  What Will Happen After We Receive Your Letter 
                                                                             OR            $35.00
                                                                                                                 your Account at any time, for any reason. You will still be liable for any balances owed. We may limit  Authorized User to have access to a Card. However, if you do, you are responsible for all charges made  When we receive your letter, we must do two things: 
                                  State laws and individual companies may give you additional rights  DC, DE, MA, MS, NE, NM, PA, VT, WY None or terminate the use of your Account and/or raise or lower your credit limit at any time and for any  by the Authorized User, including charges for which you may not have intended to be responsible. You    1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell 
                                                                                                                 reason without advance notice to you. On some transactions, we may require a down payment. Some  must notify us to revoke an Authorized User�s permission to use your Account. If you do so, we may close  you if we have already corrected the error. 
                                  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. 
                                                                                                                 purchases will require our prior authorization, in which case you may be asked to provide identi?cation.  the Account and issue a new Card or Cards with a different Account number.   2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe 
                                                                            B. Late Payment Fee: If we do not receive your minimum payment by its due date (or within seven (7) days 
                                                                                                                 If our authorization system is not working, we may not be able to authorize a transaction, even if you  the bill is correct. 
                                                                            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,  Notice to District of Columbia Residents: A ?nancial bene?t inures to the seller by way of commission 
                                                                            OK, SC, WV, and WY; within ?fteen (15) days in CA, ME, and MA; within twenty-one (21) days in TX; within  have suf?cient available credit. We will not be liable to you if this happens. We are not responsible for  or rebate resulting from your purchase of Credit Insurance coverage on this Account.  While we investigate whether or not there has been an error:
                                                                            thirty (30) days in NC; and within forty (40) days in RI), we will impose a Late Payment Fee. The maximum  the refusal of anyone to accept or honor a Card associated with this Account. All Cards we issue remain  Notice to Florida Residents: The Annual Percentage Rates shown above are authorized by Chapter    � We cannot try to collect the amount in question, or report you as delinquent on that amount. 
          De?nitions
                                                                            fee is set forth below. The fee charged generally will be the highest amount permitted by law. This means  our property and, if requested, you agree to return any Card issued to you. Your credit limit with us may  655 of the Florida Statutes.   �  The charge in question may remain on your statement, and we may continue to charge you interest on 
                                                                            that the fee generally will not exceed the amount of the required minimum payment due immediately prior to  be reduced by the amount of credit purchases you make at our related brand jewelers. We may, at our  Notice to Maryland Residents: This Account is governed by Subtitle 9, Title 12 of the Maryland  that amount. 
                                                                            the assessment of the fee. In addition, the ?rst time you pay late, the fee will not exceed $27.00. If you pay  discretion, permit you to make a purchase in excess of your stated credit limit. If we do so, this will not  Commercial Law Article.   �  While you do not have to pay the amount in question, you are responsible for the remainder of your 
                                  Companies related by common ownership or control. They can be 
                                                                            late again during the next six billing cycles, the fee will not exceed $37.00.  permanently increase your credit limit. To request the names of our related brand jewelers, please call  Notice to Michigan Residents: The seller retains a security interest in the  balance. 
                                                                                                                 our Credit Customer Service Department at 1-800-877-3616 or 1-330-668-5000, Ext. 6867.    � We can apply any unpaid amount against your credit limit. 
          Af?liates               ?nancial and non?nancial companies.
                                                                             State       Maximum Late Payment Fee                                    subject matter of this Agreement.
                                                                                                                 15. Change in This Agreement: To the extent permitted by law, we may change any term of this  Notice to Pennsylvania Residents: This is a Security Agreement. After we ?nish our investigation, one of two things will happen:
                                  � Jared The Galleria Of Jewelry does not share with af?liates. AK, AR, CT, HI, LA, MD, MI, MN, MS, 
                                                                                         $37.00 (except $29.00 if the outstanding balance is $249.99 or less) Agreement, including any Annual Percentage Rate or fee, as well as add and/or subtract terms.  Notice to Texas Residents: For questions or complaints about this contract, contact Jared The Galleria    �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees 
                                                                             NV, NH, NY, ND, OH, OR, PA, SD, WI  We will furnish you notice of the change to the extent required by law. If permitted by applicable  Of Jewelry at 1-800-877-3616; or online at Jared.com. The Of?ce of Consumer Credit Commissioner  related to that amount. 
                                                                                         5% of amount past due but not more than $37.00 and not less  law, any new terms may at our option be applied to any balance existing on the Account at the    �  If we do not believe there was a mistake: You will have to pay the amount in question, along with 
                                                                             AL                                                                      (OCCC) is a state agency, and it enforces certain laws that apply to this contract. If a complaint or 
                                  Companies not related by common ownership or control. They can be  than $18.00 time of change, as well as to any subsequent transactions. question cannot be resolved by contacting the creditor, consumers can contact the OCCC to ?le a  applicable interest and fees. We will send you a statement of the amount you owe and the date payment 
                                                                             AZ, KS      $10.00 (except $5.00 if the minimum payment is $5.00 to $25.00) 16. Credit Investigation: You authorize us to investigate your credit history by obtaining consumer  complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas  is due. We may then report you as delinquent if you do not pay the amount we think you owe. 
                                  ?nancial and non?nancial companies.
                                                                                                                 reports and by making direct inquiries of businesses where you have accounts and where you work. We 
          Nonaf?liates                                                       CA, CO, DC, IA $15.00                                                   78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling 
                                                                                                                 may request a consumer report from consumer reporting agencies in considering your application for this 
                                  �  Jared The Galleria Of Jewelry does not share with nonaf?liates so they  DE, NM, TN, VT None                     complaints@occc.texas.gov. Tex. Admin.Code tit. 7, � 86.101.  us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that 
                                                                                                                 Account or any other account you have with us and later in connection with an update, renewal, extension  you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, 
                                    can market to you.                       FL, MT, NJ, TX $10.00                                                   NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND 
                                                                                                                 of credit or collection of the Account or any other account you have with us. Upon your request we will  and we must let those organizations know when the matter has been settled between us.
                                                                                                                                                     DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES 
                                                                             GA          $25.00                  disclose whether a consumer report was requested and the name and address of any consumer reporting  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 
                                                                                                                                                     OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY 
                                                                                                                 agency that furnished the report. We may report information about your Account to credit bureaus. 
                                                                                         Greater of 5% of amount past due or $15.00                                                     even if your bill is correct. 
                                  A formal agreement between nonaf?liated ?nancial companies that  ID                                                THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
                                                                                         (but not to exceed $37.00) Late payments, missed payments, or other defaults on your Account may be re?ected on your credit  Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
                                                                                                                                                     NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION AND/OR THIS CREDIT AGREEMENT 
                                                                                                                 report. If you believe that we have reported inaccurate information to a consumer reporting agency, write  If you are dissatis?ed with the goods or services that you have purchased with your credit card, and you 
                                  together market ?nancial products or services to you.  Greater of 5% of amount past due or $10.00                  BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE ENTITLED TO 
          Joint marketing                                                    IL, KY, WY                          to us at the Customer Service address listed on your billing statement and we will investigate the matter. have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
                                                                                         (but not to exceed $37.00)                                  A COMPLETELY FILLED IN COPY OF THIS CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME 
                                                                                                                 17. No Waiver by Us: We may, without notice to you, delay or refrain from enforcing our rights under this  remaining amount due on the purchase. 
                                  � Jared The Galleria Of Jewelry does not joint market. IN $18.50                                                   PAY THE TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT WITHOUT INCURRING 
                                                                                                                 Agreement without losing them (e.g., we may extend the time to make some payments without extending  To use this right, all of the following must be true:
                                                                             ME          Lesser of 5% of amount past due or $10.00 the time to make other payments, accept late or partial payments without waiving our right to have future  ANY ADDITIONAL CHARGE. 4. KEEP THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 
                                                                                                                                                                                          1.  The purchase must have been made in your home state or within 100 miles of your current mailing 
                                                                                                                 payments made when they are due, and/or waive any charge or fee without losing our right to impose  5. YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM THE PROPERTY, IF REPOSSESSED 
                                                                             MA          Lesser of 10% of outstanding balance or $10.00                                                   address, and the purchase price must have been more than $50.00. (Note: Neither of these are 
                                                                                                                 that charge or fee when it is due under this Agreement).  BECAUSE OF YOUR DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS, REQUIRE A 
                                                                             MO          $10.00 (except $5.00 if the minimum payment is $5.00 to $24.99)                                  necessary if your purchase was based on an advertisement we mailed to you, or if we own or operate 
                                                                                                                                                     RESALE OF THE PROPERTY REPOSSESSED. 6. THE SELLER HAS NO RIGHT TO UNLAWFULLY 
          Other important information                                                                            18. Telephone and Text Contacts, Monitoring and Recording: You agree that your calls with us may be  the company that sold you the goods or services.) 
                                                                                         Greater of 5% of amount past due or $5.00  
                                                                             NE                                  monitored and/or recorded and that we (or anyone acting on our behalf) may contact you from time to time  ENTER YOUR PREMISES OR COMMIT ANY BREACH OF THE PEACE TO REPOSSESS GOODS 
                                                                                                                                                                                          2. You must have used your credit card for the purchase. Purchases made with cash advances 
                                                                                         (but not to exceed $37.00) regarding your Account (including for collections purposes). You further agree that all of our contacts with  PURCHASED UNDER THIS AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS AND 
                                                                                                                                                                                              from an ATM or with a check that accesses your credit card account do not qualify. 
          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) you may be made via email, text messages or with an automated dialing and announcing or similar device  WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A PURCHASE UNDER THIS AGREEMENT IF IT 
                                                                                                                                                                                          3. You must not yet have fully paid for the purchase. 
                                                                                         The greater of 5% of the unpaid amount of the installment or  and/or an arti?cial voice or prerecorded message. You also agree that we may contact you at any telephone  HAS BEEN SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN THE ADDRESS OF THE 
                                                                             OK                                  number you provide to us, whether a residential or business number, even if that number is on a Do Not Call  SELLER, WHICH MAY BE HIS MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU NOTIFY  If all of the criteria above are met and you are still dissatis?ed with the purchase, contact us in writing at 
                                                                                         $24.50 (not to exceed $37.00)
                                                                                                                                                     THE SELLER IN WRITING AT HIS MAIN OFFICE OR BRANCH, BY ORDINARY MAIL POSTED, BY  the address listed above.
                                                                                                                 List, is a wireless, cellular or mobile number; is converted to a mobile/wireless number; or connects to any 
                                                                             RI          $12.00                                                      TELEGRAM SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF THE THIRD BUSINESS  While we investigate, the same rules apply to the disputed amount as discussed above. After we ?nish our 
                                                                                                                 type of mobile/wireless device. You agree that you have an established business relationship with us, that  investigation, we will tell you of our decision. At that point, if we think you owe an amount and you do not 
                                                                                         5% of amount past due, but not more than $18.00 and not less 
        Page 2                                                               SC                                  all of our contacts with you are not unsolicited, and that we may contact you at the telephone number you  DAY FOLLOWING A PURCHASE UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT.
                                                                                                                                                                                        pay, we may report you as delinquent. 
                                                                                         than $7.20              provide in this application, in any of the ways described above, with advertisements and telemarketing  YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL INSTALLMENT CREDIT AGREEMENT. 0300-26J-0000 (R: 6/16)  151895
      48300 A Jared_English-C1.indd   11                                                                                                                                                                                                                 4/26/16   3:58 PM
                                                                                                                  minimum payment) on your Account since the Regular Balance was last reduced to zero (the �Highest  to us that you are represented by counsel in connection with your debt to us, must be sent to us at P.O. 
                                           SUMMARY OF JARED THE GALLERIA OF JEWELRY CHARGE ACCOUNT TERMS
                                                                                                                  Regular Balance�). Your balance is considered to be zero when opened or when there is a credit balance.  Box 1799, Akron, OH 44309-1799. If these notices are sent to any other address, it will not satisfy any  Rev. 6/16
           Apply for your...                                                                                      We will recalculate the minimum payment if a subsequent return is made, and the Regular Balance is below  notice requirement under this Agreement or any other legal requirement that you provide notice to us.
                                           Interest Rates and Interest Charges
                                                                                                                  the Highest Regular Balance. The minimum payment for your regular balance will be calculated as follows,  10. Arbitration for Disputes � No Jury Trials or Class Actions: This paragraph describes how all  WHAT DOES JARED THE GALLERIA OF JEWELRY 
                                                                                                                  except any minimum payment in excess of $25.00 will be rounded up to the nearest $5.00 increment, and  Claims (as de?ned in subparagraph A below) will be arbitrated, at the election of you or us, on an 
         Jared Charge Today!                Annual Percentage Rate                                                                                                                          FACTS
                                                            17% to 26.99%. This APR varies by state.                                                                                                    DO WITH YOUR PERSONAL INFORMATION?
                                                                                                                  the minimum payment for your regular balance will never exceed the Regular Balance: individual (non-class, non-representative) basis instead of litigated in court. 
                                           (APR) for Purchases 
                                                            See Paragraph 3 of the Retail Installment Credit Agreement for details.                   A. The term �Claim� means any claim, dispute, or controversy between you and us arising from or relating 
                                                                                                                    Highest Regular Balance Minimum Payment  to your Card, your Account, or this Agreement as well as any related or prior agreement that you may 
                                            How to Avoid Paying Interest   Your due date is at least 25 days after the close of each billing cycle. We will not charge you  
                                                                                                                    Up to $265.00 $25.00              have had with us or the relationships resulting from this Agreement, including the validity, enforceability  Financial companies choose how they share your personal information. Federal law gives 
           The bene?ts are all yours!      on Purchases     interest on purchases if you pay your entire balance by the due date each month.          or scope of this arbitration provision or the Agreement. Claims arising in the past, present, or future,  Why?
                                                                                                                    $265.01 to $500.00 10% of Highest Regular Balance                                   consumers the right to limit some but not all sharing. Federal law also requires us to tell you  
                                                                                                                                                      including Claims arising before the opening of your Account, are subject to arbitration. �Claim� includes, 
                                                            None to $1.The minimum interest charge varies by state.                                                                                     how we collect, share, and protect your personal information. Please read this notice  
           � Instant credit                 Minimum Interest Charge                                                 $500.01 to $750.00 9% of Highest Regular Balance without limitation, claims that arise from or relate to any application for your Account or any advertisments, 
                                                            See Paragraph 5 of the Retail Installment Credit Agreement for details.                   promotions, or statements related to your Account or goods or services that may be ?nanced in connection  carefully to understand what we do.
                                                                                                                    $750.01 to $1,500.00 7% of Highest Regular Balance
           �  Allows your bank cards to be used for                                                                                                   with your Account. For purposes of this arbitration provision, �you� and �us� also includes any corporate 
                                            For Credit Card Tips from the                                           $1,500.01 to $2,500.00 6% of Highest Regular Balance
            emergencies or other uses                                                                                                                 af?liates, any licensees, predecessors, successors, assigns, any purchaser of any accounts, all agents, 
                                                            To learn more about factors to consider when applying for or using a credit card, visit the website 
                                           Consumer Financial                                                                                         employees, directors and representatives of any of the foregoing, and other persons referred to below 
                                                                                                                    $2,500.01 & Up 5% of Highest Regular Balance                                        The types of personal information we collect and share depend on the product or service you  
           � Customer Appreciation mailings                 of the Consumer Financial Protection Bureau at: http://www.consumer?nance.gov/learnmore.
                                           Protection Bureau                                                                                          in the de?nition of �Claims�. �Claim� includes claims of every kind and nature, including but not limited to 
                                                                                                                                                                                             What?
                                                                                                                  If your billing statement shows a promotional balance (such as a �No Interest� balance, a �Reduced  initial claims, counterclaims, cross-claims, third-party claims, and claims based upon contract, tort, fraud,  have with us. This information can include:
                                                                                                                  Interest Rate� balance, and/or an �Eighteen (18) Month� balance), the minimum payment for this balance  and other intentional torts, statutes, regulations, common law, and equity. Claims and remedies sought 
                                           Fees                                                                                                                                                         � Social Security number and account balances
                                                                                                                  shall be calculated as speci?ed in Paragraph 7. There shall be no separate, additional minimum payment  as part of a class action, private attorney general action, or other representative action are subject to 
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                                           Annual Fee       None                                                  component for a non-regular, non-promotional balance unless we provide you notice of such a requirement. arbitration on an individual (non-class, non-representative) basis, and the arbitrator may award relief only  � payment history and transaction history
                                                                                                                  7. Promotional Terms: At our sole discretion, we may offer you promotional terms for a new purchase or for  on an individual (non-class, non-representative) basis. �Claim� also includes claims by or against any third 
                                           Penalty Fees  � Late Payment   Up to $37. This fee varies by state. See Paragraph 11.B of the Retail Installment Credit Agreement for details. an existing balance. Any promotion will be subject to the terms of the promotional offer and this Agreement.  party relating to or arising from your Card, your Account, or this Agreement. The term �Claim� is to be  � credit history and credit scores
         these Additional Features:
                                                  � Returned Payment Up to $37. This fee varies by state. See Paragraph 11.A of the Retail Installment Credit Agreement for details. Below is a description of some of the promotional terms that we may offer in our sole discretion from time to time.  given the broadest possible meaning that will be enforced. �Administrator� means the American Arbitration 
                                                                                                                  No Interest If Paid in Full Plans. If any single purchase is designated as purchased under a no interest  Association, 335 Madison Avenue, New York, NY 10017, www.adr.org, (800) 778-7879; or JAMS, 1920  When you are no longer our customer, we continue to share your information as described   
           �  You may exchange or return your purchase  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  if paid in full plan, you will pay no interest if the promotional purchase is paid in full in the designated  Main St., Suite 300, Irvine, CA 92614, www.jamsadr.com, (949) 224-1810.  in this notice.
                                                                                                                  promotional time period (which may be 6 months, 12 months, or another period speci?ed in the promotion).  B. We OR you have the right to require that each Claim be resolved by arbitration on an individual (non-class, 
            within 30 days. Accessories and watches must  �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  non-representative) basis. A Claim will be arbitrated if (1) both we and you or (2) only one or the other of 
            be in original condition (unworn and unaltered).  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  we or you, exercise the right to require that the Claim be arbitrated. If, for example, we exercise our right to  All ?nancial companies need to share customers� personal information to run their everyday 
            Watches must be accompanied by original                                                               to your account at the Regular APR from the promotional purchase date. Unless the promotion states that  require that the Claim be resolved by arbitration but you do not also exercise your right to require that the  How?
                                          JARED THE GALLERIA OF JEWELRY RETAIL INSTALLMENT CREDIT AGREEMENT                                                                                             business. In the section below, we list the reasons ?nancial companies can share their 
                                                                               If you reside in the state of: We apply the monthly periodic rate of: ANNUAL PERCENTAGE RATE there is no separate promotional minimum payment, the required minimum payment for the promotional  Claim be arbitrated, the Claim will be resolved by arbitration. If neither we nor you request arbitration, the 
            packaging, instructions and warranty documents.  In this Jared The Galleria Of Jewelry Retail Installment Credit Agreement (�Agreement�), the words �you� and 
                                                                               CO, GA, IN, MS, OK,                balance will be the amount of the promotional purchase divided by the promotional period, rounded up  Claim will not be resolved by arbitration and instead will be litigated in court. We will not elect arbitration for  customers� personal information; the reasons Jared The Galleria Of Jewelry chooses  
            Special ordered watches, custom designed  �your� refer to any person who signs the Application for this Account or this Agreement, or has requested and  1.75% 21% to the nearest $5.00 increment. However, if the promotion speci?es a minimum purchase amount, in no  any Claim you ?le in small claims court, so long as the Claim is individual and pending only in that court. The  to share; and whether you can limit this sharing.
                                          is issued a Jared The Galleria Of Jewelry credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a  TN, TX, VT, WY
            merchandise, items engraved with personalized                                                         case will the minimum payment be less than the minimum purchase amount divided by the promotional  arbitrator�s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator�s 
                                          Jared The Galleria Of Jewelry, Jared Jewelry Boutique and Jared Vault, P.O. Box 3680, Akron, OH 44309-3680,  DC, MD 2.0% 24% period, which may shorten your repayment period in certain instances. The minimum payment will never  authority to make awards or decisions is limited to you and us alone. Furthermore, Claims between you and 
            information and class rings cannot be returned or  its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or any amount due 
                                                                               HI, MA, MN, NC 1.5%       18%      be more than the remaining promotional purchase balance. If the promotion states that there is no separate  us may not be joined or consolidated in arbitration with Claims brought by or against someone other than 
            exchanged. Merchandise received via the Jewelry  on your Account may be assigned. �Account� means your Jared The Galleria Of Jewelry Account, which will be  promotional minimum payment, then the amount of the promotional balance will be included in your regular  you, unless otherwise agreed to in writing by all parties. However, applicants, co-applicants, authorized users 
                                          governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has  MI, NY, OH, WV 2.0825% 24.99%
            Replacement Plan cannot be returned.                                                                  balance for the purpose of calculating your minimum payment. on a single Account, or corporate af?liates are considered one person for the purposes of this paragraph. No 
                                          apparent authority to do so. �Card� means any access device or method by which the Account may be accessed,                                                                         Does Jared the Galleria of  Can you limit  
                                                                                        1.75% to $499.99 21%      Reduced Rate Plans. If any single purchase is designated as purchased under a reduced rate plan, we  arbitration award will have any preclusive effect as to issues or claims in any dispute involving anyone who is 
                                          including the Account number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean  NE                                                                         Does Jared The Galleria  Jewelry share? Can you limit  
           �  Diamonds backed by our Lifetime Diamond                                                                                                                                                                                             this sharing?
                                                                                        1.5% for $500.00 & more 18% will calculate the Interest for the promotional balance by using an APR that is less than your Regular APR  not a party to the arbitration. This arbitration provision is made pursuant to a transaction involving interstate  Reasons we can share your personal information
                                          the periodic ?nance charges that are calculated pursuant to Paragraph 5. (the �Promotional APR�), in lieu of the Regular APR during the speci?ed promotional period (which may  commerce and will be governed by the Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.). Of Jewelry share? this sharing?
            Guarantee.
                                           1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed  All other states 2.2491% 26.99%
                                                                                                                  be 6 months, 12 months, or some other period speci?ed by us). The Promotional APR will return to your  C. If we or you request arbitration of a Claim, we and you will not have the right to litigate the Claim 
                                          to us under the terms of this Agreement. You are responsible for any transactions you make or otherwise 
           �  Extended Service Plan is available to protect your              4. How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of  Regular APR at the expiration of the promotional period or if we do not receive a required minimum payment  in court. This means (1) there will be no jury trial on the Claim, (2) there will be no pre-arbitration 
                                          incur and any transactions incurred by anyone else you have authorized to use this Account. You are also                                          For our everyday business purposes � 
                                                                              each billing cycle. We will not charge you interest in any billing cycle in which payments received (and if  within 60 days of its due date. See Paragraph 3 for details. Unless the promotion states that there is no  discovery except as the Administrator�s rules permit, and (3) no Claim may be arbitrated on a 
            jewelry from future repair costs. responsible for the use of each Card issued on this Account. You may request additional Cards on this Account  required by law, credits issued) by the due date equal or exceed the �Balance Payable To Avoid Further  separate promotional minimum payment, the required minimum payment for the promotional balance will be  class-action, private attorney general, or other representative basis, and neither we nor you will  such as to process your transactions, maintain your  
                                          for yourself or others, and you may permit an Authorized User to have access to the Card or Account number.  Interest� shown on your billing statement. The �Balance Payable To Avoid Further Interest Charges�  the promotional balance divided by the number of months in the promotional period, multiplied by a factor  have the right to participate as a representative or member of any class or group of claimants  YES NO
           �  Payment Protection Plan is available to let you  However, if you do so, you must pay us for all charges made by those persons. See Paragraph 23 for details.                  account(s), respond to court orders and legal  
                                                                              shown on your billing statement is your New Balance less any portion of a promotional balance for which  based on the applicable Reduced APR, and rounded up to the nearest $5.00 increment or $25.00, whichever  pertaining to any Claim subject to arbitration. We or you may elect to arbitrate any Claim at any 
            buy with peace of mind. This optional plan  When you sign the Application for this Account, you will be agreeing to everything written here. Therefore,  payment is not required to avoid the imposition of Interest in a billing cycle. is greater. For example, if the promotion has an interest rate of 10.99% and the plan is for 24 months, the  time unless it has been ?led in court and trial has begun or ?nal judgment has been entered. investigations, or report to credit bureaus
            protects your credit and your purchases. See the  before you sign the Application, you should read this entire Agreement. The information you provide on the  5. Calculation of Interest: In all states except MN and NM, we calculate Interest Charges using the average  required minimum payment is determined as follows: 1/24th of the purchase price (less any down payment)  D. The party initiating an arbitration shall select an Administrator from the organizations listed above. If 
                                          Application that identi?es you is incorporated in this Agreement by reference. This Agreement will not be 
            Payment Protection brochure for details.                          daily balance method (including current transactions). In MN and NM, we calculate Interest Charges using  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 an  For our marketing purposes �  
                                          effective unless and until we approve your Application.  the average daily balance method (excluding current transactions). We calculate interest separately for each  payment will never be more than the remaining promotional purchase balance.  However, if the promotion  administrator, or adjudicated by an arbitrator, upon which you and we agree in writing. The arbitration shall  YES NO
                                          2. Balances: Each transaction or group of transactions subject to the same terms (such as the applicable                                          to offer our products and services to you
                                                                              balance on your Account subject to different terms (including APR and duration). We ?gure the Interest  speci?es a minimum purchase amount, in no case will the minimum payment be less than the minimum  be governed by the procedures and rules of the Administrator and this Agreement, which need not apply 
                                          APR and duration) shall be considered part of the same balance. The balance subject to the Regular APR  Charges by applying the applicable monthly periodic rate to the �average daily balance� for that balance.  purchase amount divided by the promotional period, which may shorten your repayment period in certain  federal, state or local rules of procedure and evidence. The Administrator�s procedures and rules may limit 
                                          and the other regular terms set forth in this Agreement is your Account�s regular balance. We calculate your  To get the average daily balance for a balance, we take the beginning balance each day, add any new  instances. The minimum payment will never be more than the remaining promotional purchase balance. the discovery available to you or us. You can obtain a copy of an Administrator�s procedures and rules by  For joint marketing with other ?nancial companies NO We don�t share.
                 Jared Gold Exchange!     total regular balance each billing cycle by taking the regular balance for the prior billing cycle, adding any  transactions (except we do not add in any new transactions in MN and NM); subtract any payments or  Eighteen (18) Month Plan. If any single purchase is designated as purchased under the �Eighteen Month  contacting the Administrator. A single, neutral arbitrator will resolve Claims. The arbitrator will be either a 
                                          regular purchases, fees, Interest Charges, other ?nance charges, and other debits, and subtracting any 
               Exchange your gold for cash.                                   credits and any Late Payment Fees, any Returned Payment Fees, and/or unpaid Interest Charges; and  Plan�, no Interest will be imposed on the promotional purchase for the ?rst twelve (12) months if you make  lawyer with at least ten years experience or a retired or former judge, selected in accordance with the rules  For our af?liates� everyday business purposes � 
                                          payments or other credits, as of the closing date for that billing cycle. Balances subject to promotional terms  make other adjustments. This gives us the daily balance. Then, we add up all the daily balances for the  all required minimum payments by the end of the 12th month. If we do not receive all required minimum  of the Administrator. In the event of any con?ict or inconsistency between this arbitration provision and the  NO We don�t share.
                  Quick � Safe � Secure   are promotional balances. We calculate the total of any promotional balance by adding the promotional  billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily  payments by the end of the 12th month, or if we do not receive a required minimum payment within 60 days  Administrator�s rules or other provisions of this Agreement, this arbitration provision will govern. The arbitrator  information about your transactions and experiences
                                          purchase for that balance and subtracting any payments allocated to that promotional balance or other 
                  Visit jared.com for details.                                balance. Any negative daily balance will be treated as zero. If Interest Charges are imposed and the total  of its due date, Interest will be charged to your account at the Regular APR from the promotional purchase  will take reasonable steps to protect customer account information and other con?dential information if 
                                          credits. You authorize us to allocate any payment or credit among your regular and promotional balances,  Interest that results from application of the above calculation to each balance is less than $1.00, we will  date. After the ?rst twelve (12) months, we will use the speci?ed reduced APR (the �Promotional APR�), in  requested to do so by you or us. Arbitration hearings for Claims by or against you will take place in the federal  For our af?liates� everyday business purposes � 
                                          in any manner, including in a manner that may be bene?cial to us, except where otherwise prohibited by  impose a minimum Interest Charge of $1.00 (which is a FINANCE CHARGE); except in MI, MO, NY,  lieu of the Regular APR, to calculate Interest for the next six (6) months. The Promotional APR will return  judicial district in which you reside. If you make a request to us in writing, we will temporarily advance to you  NO We don�t share.
                                          applicable law. The total of your regular balance and any promotional balance is the �New Balance� shown                                          information about your creditworthiness
                                                                              TN, and TX, where we will impose a minimum Interest Charge of $0.70 (which is a FINANCE CHARGE);  to your Regular APR at the expiration of the six month period or if we do not receive a required minimum  the ?ling, administrative, and hearing fees for the arbitration of your Claim against us (but not if the Claim is 
                                          on your statement.                  and in AL, AZ, CO, IN, ME, MA, MN, MS, MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  payment within 60 days of its due date. See Paragraph 3 for details.The required minimum payment for  against you) in excess of any ?ling fee you would have been required to pay to ?le the Claim in a state or 
                                          3. Your Regular Annual Percentage Rate: If Interest Charges (which are FINANCE CHARGES) are  a minimum Interest Charge of $0.50 (which is a FINANCE CHARGE). Furthermore, there is no minimum  the promotional balance will be 1/18th of the promotional purchase multiplied by 1.030 and rounded up  federal court (whichever is less) in the judicial district in which you reside. At the end of the arbitration, the  For our nonaf?liates to market to you NO We don�t share.
                                          assessed during a billing cycle, we will use the following Annual Percentage Rate (the �Regular APR�) and  Interest Charge in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us to round any calculation used to  to the nearest $5.00, but not less than $150.00 or not less than $250.00, based on the terms of the offer.  arbitrator will decide if you have to repay the advance (and if you do have to repay, you agree to do so). 
                                          corresponding monthly periodic rate, subject to any promotional terms: determine Interest Charges, including rounding that may cause minor variations in our favor. The applicable  8. Payments: All payments must be mailed or delivered to us at the address shown on the front of the  Unless applicable law requires otherwise, we will pay our, and you will pay your, lawyers�, experts�, and 
                                           If you reside in the state of: We apply the monthly periodic rate of: ANNUAL PERCENTAGE RATE monthly periodic rate for a balance is the applicable Annual Percentage Rate divided by twelve (12), and  billing statement and accompanied by the payment slip. You must pay us in U.S. dollars drawn on funds  witnesses� fees. The arbitrator will apply applicable substantive law consistent with the FAA and applicable 
                                                                              rounded to the fourth decimal place.  on deposit in the United States using a check or similar instrument that will be processed and honored by  statutes of limitations, will honor claims of privilege recognized at law, and will have the power to award to  Questions? Visit www.jared.com
                                                    1.75% to $750.00 21%
                                           AL                                 6. Minimum Payment: You agree to pay at least the �Minimum Payment� shown on your billing  your bank. Do not send cash payments. We can accept late or partial payments, as well as payments that  a party any damages or other relief provided for under applicable law. The arbitrator will make any award in 
                                                    1.5% over $750.00 18%     statement on or before its due date. Your total Minimum Payment is the sum of any minimum payment  re?ect �paid in full� or other restrictive endorsements, without losing any of our rights under this Agreement.  writing and, if requested by you or us, will provide a brief statement of the reasons for the award.
                                           AR       1.4167%          17%      for your regular balance and for any promotional balance. We base your minimum payment for your  We credit your payments in accordance with our payment instructions on the billing statement. E. Judgment upon the arbitrator�s award may be entered in any court with jurisdiction. The arbitrator�s 
                                                                              regular balance on the highest �Regular Balance� (the New Balance less any balance with a separate  9. Legal Notices: All notices, including notices relating to legal actions, bankruptcy notices, and any notice  decision regarding any claims will be ?nal and binding, except for any appeal right under FAA. The  Page 1
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