SUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS access to the Card or Account number. However, if you do  access to the Card or Account number. However, if you do  of 36 percent. This rate must include, as applicable to the  consumer credit to a member of the Armed Forces and his  as a �No Interest� balance, a �Reduced Interest Rate� balance,  balance(s), or $30. The minimum payment for your regular  by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  of the purchase price (less any down payment) multiplied  you or us, on an individual (non-class, non-representative)  your Account, or this Agreement as well as any related or  any preclusive effect as to issues or claims in any dispute  will not have the right to litigate the Claim in court. This  Account, and any bankruptcy to the extent consistent with  However, an arbitrator cannot enlarge his or her authority  within ?fteen (15) days in CA, ME, and MA; within twenty-one  Fee. The maximum fee is set forth below. The fee charged  balance. 12. Security Interest: You grant us a purchase money 
               SUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS so, you must pay us for all charges made by those persons.  so, you must pay us for all charges made by those persons.  credit transaction or account: The costs associated with  or her dependent may not exceed an annual percentage rate  and/or an �Eighteen (18) Month� balance), the minimum  balance will never exceed the Regular Balance. whichever is greater). However, if the promotion speci?es  by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  basis instead of litigated in court. If you are a �Covered  prior agreement that you may have had with us or the  involving anyone who is not a party to the arbitration. This  means (1) there will be no jury trial on the Claim, (2)  applicable bankruptcy law. over the adjudication of Claims beyond that provided by this  (21) days in TX; within thirty (30) days in NC; and within forty  generally will be the highest amount permitted by law. This  security interest in each item of merchandise purchased 
         Interest Rates and Interest Charges                              See Paragraph 23 for details. When you sign the Application  See Paragraph 23 for details. When you sign the Application  credit insurance premiums; fees for ancillary products sold  of 36 percent. This rate must include, as applicable to the  payment for this balance shall be calculated as speci?ed in  a minimum purchase amount, in no case will the minimum  whichever is greater). The minimum payment will never be  Borrower� as determined in accordance with the safe harbor  relationships resulting from this Agreement, including the  arbitration provision is made pursuant to a transaction  there will be no pre-arbitration discovery except as the  arbitration provision by enforcing only part of this arbitration  (40) days in RI), we will impose a Late Payment Fee.  The  means that the fee generally will not exceed the amount of  12. Security Interest: You grant us a purchase money  on your Account to secure its unpaid purchase price 
               SUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS access to the Card or Account number. However, if you do  consumer credit to a member of the Armed Forces and his  balance(s), or $30. The minimum payment for your regular  If your billing statement shows a promotional balance (such  of the purchase price (less any down payment) multiplied  your Account, or this Agreement as well as any related or  will not have the right to litigate the Claim in court. This  F. If any part of this arbitration provision cannot be enforced,  However, an arbitrator cannot enlarge his or her authority  Fee. The maximum fee is set forth below. The fee charged  12. Security Interest: You grant us a purchase money 
         Interest Rates and Interest Charges                              for this Account, you will be agreeing to everything written  for this Account, you will be agreeing to everything written  in connection with the credit transaction; any application fee  credit transaction or account: The costs associated with  Paragraph 7. There shall be no separate, additional minimum  payment be less than the minimum purchase amount divided  more than the remaining promotional purchase balance.  provisions in the Military Lending Act and its implementing  validity, enforceability or scope of this arbitration provision or  involving interstate commerce and will be governed by the  Administrator�s rules permit, and (3) no Claim may be  provision. If an arbitrator determines that applicable law  maximum fee is set forth below.  The fee charged generally  the required minimum payment due immediately prior to the  security interest in each item of merchandise purchased  (except in CT, MO (on any purchase under $150.00), and 
                                                                          so, you must pay us for all charges made by those persons.  or her dependent may not exceed an annual percentage rate  balance will never exceed the Regular Balance. as a �No Interest� balance, a �Reduced Interest Rate� balance,  by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  prior agreement that you may have had with us or the  means (1) there will be no jury trial on the Claim, (2)  the rest of the arbitration provision will continue to apply.  over the adjudication of Claims beyond that provided by this  generally will be the highest amount permitted by law. This 
                                                                                                                                                                                                                                                                                                                                             security interest in each item of merchandise purchased 
                                                                          here. Therefore, before you sign the Application, you should  here. Therefore, before you sign the Application, you should  charged (other than certain application fees for speci?ed  credit insurance premiums; fees for ancillary products sold  payment component for a non-regular, non-promotional  by the promotional period, which may shorten your repayment  However, if the promotion speci?es a minimum purchase  regulations, you are not required to submit to arbitration. the Agreement. Claims arising in the past, present, or future,  Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.). arbitrated on a class-action, private attorney general, or  requires this arbitration provision to be enforced in a way that  will be the highest amount permitted by law.  This means that  assessment of the fee. In addition, the ?rst time you pay late,  on your Account to secure its unpaid purchase price  NY (on any purchase under $200.00)) until such item 
         Interest Rates and Interest Charges  Annual Percentage Rate   SUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS access to the Card or Account number. However, if you do  See Paragraph 23 for details. When you sign the Application  consumer credit to a member of the Armed Forces and his  of 36 percent. This rate must include, as applicable to the  balance(s), or $30. The minimum payment for your regular  of the purchase price (less any down payment) multiplied  your Account, or this Agreement as well as any related or  will not have the right to litigate the Claim in court. This  However, an arbitrator cannot enlarge his or her authority  Fee. The maximum fee is set forth below. The fee charged  12. Security Interest: You grant us a purchase money 
                               17% to 26.99%. This APR varies by state.                                                                    and/or an �Eighteen (18) Month� balance), the minimum  whichever is greater). The minimum payment will never be  relationships resulting from this Agreement, including the  there will be no pre-arbitration discovery except as the  However, an arbitrator cannot enlarge his or her authority  arbitration provision by enforcing only part of this arbitration  means that the fee generally will not exceed the amount of 
                                                                          read this entire Agreement. The information you provide                                                                                                                                                                                                            on your Account to secure its unpaid purchase price 
                                                                          read this entire Agreement. The information you provide  credit transactions or accounts); and any participation fee  in connection with the credit transaction; any application fee  balance unless we provide you notice of such a requirement. If your billing statement shows a promotional balance (such  period in certain instances.  The minimum payment will never  amount, in no case will the minimum payment be less than  including Claims arising before the opening of your Account,  other representative basis, and neither we nor you will  would result in greater authority over Claims than otherwise  the fee generally will not exceed the amount of the required  the fee will not exceed $27.00. If you pay late again during the  (except in CT, MO (on any purchase under $150.00), and  of merchandise is paid for in full (in NY, not to exceed 
         Annual Percentage Rate   17% to 29.99%. This APR varies by state.  so, you must pay us for all charges made by those persons.  for this Account, you will be agreeing to everything written  or her dependent may not exceed an annual percentage rate  credit transaction or account: The costs associated with  balance will never exceed the Regular Balance. payment for this balance shall be calculated as speci?ed in  by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  more than the remaining promotional purchase balance.  A. The term �Claim� means any claim, dispute, or controversy  prior agreement that you may have had with us or the  validity, enforceability or scope of this arbitration provision or  C. If we or you request arbitration of a Claim, we and  means (1) there will be no jury trial on the Claim, (2)  Administrator�s rules permit, and (3) no Claim may be  over the adjudication of Claims beyond that provided by this  over the adjudication of Claims beyond that provided by this  provision. If an arbitrator determines that applicable law  generally will be the highest amount permitted by law. This 
                                                                          on the Application that identi?es you is incorporated in                                                                                                                                                                          the required minimum payment due immediately prior to the 
                                                                          on the Application that identi?es you is incorporated in                                                                                                                                                     We apply the  ANNUAL           State           Maximum Late Payment Fee   NY (on any purchase under $200.00)) until such item  security interest in each item of merchandise purchased  (except in CT, MO (on any purchase under $150.00), and 
         (APR) for Purchases     See Paragraph 3 of the Retail Installment Credit Agreement                charged (other than certain application fees for speci?ed  as a �No Interest� balance, a �Reduced Interest Rate� balance, 
                                                                          See Paragraph 23 for details. When you sign the Application  here. Therefore, before you sign the Application, you should  charged (other than certain participation fees for a credit  be more than the remaining promotional purchase balance.  the minimum purchase amount divided by the promotional  are subject to arbitration. �Claim� includes, without limitation,  have the right to participate as a representative or member  allowed, such as the adjudication of claims on a class or  minimum payment due immediately prior to the assessment  next six billing cycles, the fee will not exceed $37.00. 
         Interest Rates and Interest Charges                                                               of 36 percent. This rate must include, as applicable to the                                                                                                                                                                       ?ve (5) years from date the purchase is posted to your 
                                                                          this Agreement by reference. This Agreement will not be  credit insurance premiums; fees for ancillary products sold  7. Promotional Terms: At our sole discretion, we may offer  Paragraph 7. There shall be no separate, additional minimum  whichever is greater). The minimum payment will never be 
                                                                          this Agreement by reference. This Agreement will not be                                           However, if the promotion speci?es a minimum purchase  between you and us arising from or relating to your Card,  relationships resulting from this Agreement, including the  the Agreement. Claims arising in the past, present, or future,  you will not have the right to litigate the Claim in court.  there will be no pre-arbitration discovery except as the  arbitrated on a class-action, private attorney general, or  arbitration provision by enforcing only part of this arbitration  arbitration provision by enforcing only part of this arbitration  requires this arbitration provision to be enforced in a way that  If you reside in   means that the fee generally will not exceed the amount of  assessment of the fee. In addition, the ?rst time you pay late,  on your Account to secure its unpaid purchase price  NY (on any purchase under $200.00)) until such item 
         (APR) for Purchases   Annual Percentage Rate   See Paragraph 3 of the Retail Installment Credit Agreement  17% to 26.99%. This APR varies by state.  for details. for this Account, you will be agreeing to everything written  read this entire Agreement. The information you provide  card account). credit transactions or accounts); and any participation fee  If your billing statement shows a promotional balance (such  and/or an �Eighteen (18) Month� balance), the minimum  If the promotion states that there is no separate promotional  period, which may shorten your repayment period in certain  claims that arise from or relate to any application for your  of any class or group of claimants pertaining to any Claim  representative basis, then the arbitrator must decline to hear  monthly  PERCENTAGE   of the fee.  In addition, the ?rst time you pay late, the fee will  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  of merchandise is paid for in full (in NY, not to exceed 
                                                                                                           credit transaction or account: The costs associated with                                                                                                                                                                          Account). Solely for the purpose of determining the extent 
                                                                          effective unless and until we approve your Application. effective unless and until we approve your Application. in connection with the credit transaction; any application fee  you promotional terms for a new purchase or for an existing  payment component for a non-regular, non-promotional  more than the remaining promotional purchase balance.  amount, in no case will the minimum payment be less than  your Account, or this Agreement as well as any related or  validity, enforceability or scope of this arbitration provision or  including Claims arising before the opening of your Account,  This means (1) there will be no jury trial on the Claim,  Administrator�s rules permit, and (3) no Claim may be  other representative basis, and neither we nor you will  provision. If an arbitrator determines that applicable law  provision. If an arbitrator determines that applicable law  would result in greater authority over Claims than otherwise  the state of:   the required minimum payment due immediately prior to the  the fee will not exceed $27.00. If you pay late again during the  (except in CT, MO (on any purchase under $150.00), and  of merchandise is paid for in full (in NY, not to exceed 
                            for details.                                                                                                   as a �No Interest� balance, a �Reduced Interest Rate� balance, 
                                                                          here. Therefore, before you sign the Application, you should  on the Application that identi?es you is incorporated in  charged (other than certain participation fees for a credit  payment for this balance shall be calculated as speci?ed in  minimum payment, then the amount of the promotional  instances. The minimum payment will never be more than the  Account or any advertisements, promotions, or statements  subject to arbitration. We or you may elect to arbitrate any  the dispute and shall refer the parties to a court or other  We apply the  periodic rate of:   ANNUAL  RATE  not exceed $28.00.  If you pay late again during the next six  State  State  MN, MS, NV, NH, NY, ND,  Maximum Late Payment Fee   Maximum Late Payment Fee   outstanding balance is $249.99  ?ve (5) years from date the purchase is posted to your 
                                                                                                           credit insurance premiums; fees for ancillary products sold                                                                                                                                                                       of our purchase money security interest in each such item 
         (APR) for Purchases  See Paragraph 3 of the Retail Installment Credit Agreement                   To receive this disclosure and a description of your pay- charged (other than certain application fees for speci?ed  balance. Any promotion will be subject to the terms of the  balance unless we provide you notice of such a requirement. However, if the promotion speci?es a minimum purchase  the minimum purchase amount divided by the promotional  prior agreement that you may have had with us or the  the Agreement. Claims arising in the past, present, or future,  are subject to arbitration. �Claim� includes, without limitation,  (2) there will be no pre-arbitration discovery except as  arbitrated on a class-action, private attorney general, or  have the right to participate as a representative or member  If you reside in   requires this arbitration provision to be enforced in a way that  requires this arbitration provision to be enforced in a way that  allowed, such as the adjudication of claims on a class or  We apply the  ANNUAL  assessment of the fee. In addition, the ?rst time you pay late, 
                                                                                                                                                                                                                                                                             If you reside in               next six billing cycles, the fee will not exceed $37.00.  NY (on any purchase under $200.00)) until such item  ?ve (5) years from date the purchase is posted to your 
         Annual Percentage Rate   17% to 26.99%. This APR varies by state.  2. Balances: Each transaction or group of transactions  2. Balances: Each transaction or group of transactions  card account). and/or an �Eighteen (18) Month� balance), the minimum  Paragraph 7. There shall be no separate, additional minimum  balance will be included in your regular balance for the  remaining promotional purchase balance. related to your Account or goods or services that may be  Claim at any time unless it has been ?led in court and trial  body with suf?cient authority. In the event of any con?ict  monthly  PERCENTAGE   billing cycles, the fee will not exceed $39.00.  AK, AR, CT, HI, LA, MD, MI,  OH, OR, PA, SD, WI  $39.00  or less)  Account). Solely for the purpose of determining the extent 
                                                                          read this entire Agreement. The information you provide  this Agreement by reference. This Agreement will not be  ment obligation under this agreement orally, please call  in connection with the credit transaction; any application fee  credit transactions or accounts); and any participation fee  promotional offer and this Agreement. Below is a description  amount, in no case will the minimum payment be less than  period, which may shorten your repayment period in certain  relationships resulting from this Agreement, including the  including Claims arising before the opening of your Account,  claims that arise from or relate to any application for your  the Administrator�s rules permit, and (3) no Claim may  other representative basis, and neither we nor you will  of any class or group of claimants pertaining to any Claim  the state of:   would result in greater authority over Claims than otherwise  monthly  PERCENTAGE   AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  of merchandise, your payments will be allocated ?rst to 
                            for details.                                                                                                                                                                                                                                     would result in greater authority over Claims than otherwise  representative basis, then the arbitrator must decline to hear  the fee will not exceed $27.00. If you pay late again during the 
                                                                                                                                                                                                                                                                             the state of:   periodic rate of:                               of merchandise is paid for in full (in NY, not to exceed 
         How to Avoid Paying  Your due date is at least 25 days after the close of each billing  subject to the same terms (such as the applicable APR and                                                                                                                             1.75% to $750.00   RATE  21%  MN, MS, NV, NH, NY, ND,    of our purchase money security interest in each such item  Account). Solely for the purpose of determining the extent 
         (APR) for Purchases  See Paragraph 3 of the Retail Installment Credit Agreement  on the Application that identi?es you is incorporated in  effective unless and until we approve your Application. subject to the same terms (such as the applicable APR and  payment for this balance shall be calculated as speci?ed in  payment component for a non-regular, non-promotional  7. Promotional Terms: At our sole discretion, we may offer  purpose of calculating your minimum payment. ?nanced in connection with your Account. For purposes of  has begun or ?nal judgment has been entered. or inconsistency between this arbitration provision and the  We apply the  ANNUAL  State  Maximum Late Payment Fee   5% of amount past due but not 
                                                                                                           1-866-875-5929. charged (other than certain application fees for speci?ed  charged (other than certain participation fees for a credit  To receive this disclosure and a description of your pay- of some of the promotional terms that we may offer in our  the minimum purchase amount divided by the promotional  instances. The minimum payment will never be more than the  Eighteen (18) Month Plan. If any single purchase is  validity, enforceability or scope of this arbitration provision or  are subject to arbitration. �Claim� includes, without limitation,  Account or any advertisements, promotions, or statements  be arbitrated on a class-action, private attorney general,  have the right to participate as a representative or member  subject to arbitration. We or you may elect to arbitrate any  allowed, such as the adjudication of claims on a class or  allowed, such as the adjudication of claims on a class or  the dispute and shall refer the parties to a court or other  AL  We apply the  periodic rate of:   ANNUAL  RATE  next six billing cycles, the fee will not exceed $37.00.  State  MN, MS, NV, NH, NY, ND,  Maximum Late Payment Fee   outstanding balance is $249.99  any unpaid insurance premium, next to any unpaid Late 
                                                                                                                                                                                                                                                                                                                                             ?ve (5) years from date the purchase is posted to your  of our purchase money security interest in each such item 
         How to Avoid Paying  Your due date is at least 25 days after the close of each billing                                                                                                                                                                              If you reside in                OH, OR, PA, SD, WI   
                            cycle. We will not charge you interest on purchases if you pay  duration) shall be considered part of the same balance. The  this Agreement by reference. This Agreement will not be  duration) shall be considered part of the same balance. The  Paragraph 7. There shall be no separate, additional minimum  balance unless we provide you notice of such a requirement. you promotional terms for a new purchase or for an existing  this arbitration provision, �you� and �us� also includes any  If you reside in   Administrator�s rules or other provisions of this Agreement,  1.5% over $750.00  18%  AL  more than $37.00 and not less  of merchandise, your payments will be allocated ?rst to 
         Interest on Purchases   for details.                             2. Balances: Each transaction or group of transactions  credit transactions or accounts); and any participation fee                                                                                                                                                Payment Fees, any unpaid Returned Payment Fees, any 
                                                                                                           card account). ment obligation under this agreement orally, please call  sole discretion from time to time. Eighteen (18) Month Plan. If any single purchase is  period, which may shorten your repayment period in certain  remaining promotional purchase balance. designated as purchased under the �Eighteen Month Plan�,  claims that arise from or relate to any application for your  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the 
                                                                                                                                                                                                            the Agreement. Claims arising in the past, present, or future,  related to your Account or goods or services that may be  or other representative basis, and neither we nor you will  of any class or group of claimants pertaining to any Claim  Claim at any time unless it has been ?led in court and trial  D. The party initiating an arbitration shall select an  representative basis, then the arbitrator must decline to hear  representative basis, then the arbitrator must decline to hear  body with suf?cient authority. In the event of any con?ict  monthly  monthly  PERCENTAGE   PERCENTAGE  
                                                                                                                                                                                                                                                                                 1.75% to $750.00   21%      AK, AR, CT, HI, LA, MD, MI,  OH, OR, PA, SD, WI  $39.00  or less) 
                                                                                                                                                                                                                                                                        the state of:   the state of:                      5% of amount past due but not  any unpaid insurance premium, next to any unpaid Late  Account). Solely for the purpose of determining the extent  of merchandise, your payments will be allocated ?rst to 
                            cycle. We will not charge you interest on purchases if you pay  balance subject to the Regular APR and the other regular  4. How to Avoid Paying Interest on Purchases: Your  payment component for a non-regular, non-promotional  balance. Any promotion will be subject to the terms of the  corporate af?liates, any licensees, predecessors, successors,  AL  this arbitration provision will govern. than $18.00 
         Interest on Purchases    How to Avoid Paying  Your due date is at least 25 days after the close of each billing  effective unless and until we approve your Application. balance subject to the Regular APR and the other regular                                                                                                   unpaid Interest, and any other unpaid fees or charges, 
                            your entire balance by the due date each month. subject to the same terms (such as the applicable APR and  charged (other than certain participation fees for a credit  1-866-875-5929. 7. Promotional Terms: At our sole discretion, we may offer  designated as purchased under the �Eighteen Month Plan�,  instances. The minimum payment will never be more than the  no Interest will be imposed on the promotional purchase for  including Claims arising before the opening of your Account,  Account or any advertisements, promotions, or statements  ?nanced in connection with your Account. For purposes of  have the right to participate as a representative or member  subject to arbitration. We or you may elect to arbitrate any  has begun or ?nal judgment has been entered. Administrator from the organizations listed above. If none of  the dispute and shall refer the parties to a court or other  the dispute and shall refer the parties to a court or other  or inconsistency between this arbitration provision and the  AR  We apply the  periodic rate of:   1.5% over $750.00  periodic rate of:   1.75% to $750.00   1.4167%  ANNUAL  RATE  18%  RATE  21%  State  Maximum Late Payment Fee  
                                                                                                                                                                                                                                                                                                  17%        MN, MS, NV, NH, NY, ND,  MN, MS, NV, NH, NY, ND,    outstanding balance is $249.99 
                                                                                                                                                                                                                                                                                                             AL            more than $39.00 and not less  5% of amount past due but not  of our purchase money security interest in each such item  any unpaid insurance premium, next to any unpaid Late 
                                                                          terms set forth in this Agreement is your Account�s regular  terms set forth in this Agreement is your Account�s regular  due date is at least 25 days after the close of each billing  To receive this disclosure and a description of your pay- No Interest If Paid in Full Plans. If any single purchase  balance unless we provide you notice of such a requirement. promotional offer and this Agreement. Below is a description  Eighteen (18) Month Plan. If any single purchase is  assigns, any purchaser of any accounts, all agents, employees,  If you reside in   AL  OH, OR, PA, SD, WI    $10.00 (except $5.00 if the  Payment Fees, any unpaid Returned Payment Fees, any  then to pay off each purchase in the order in which the 
                            your entire balance by the due date each month. cycle. We will not charge you interest on purchases if you pay  2. Balances: Each transaction or group of transactions  duration) shall be considered part of the same balance. The  card account). you promotional terms for a new purchase or for an existing  no Interest will be imposed on the promotional purchase for  remaining promotional purchase balance. the ?rst twelve (12) months if you make all required minimum  are subject to arbitration. �Claim� includes, without limitation,  related to your Account or goods or services that may be  this arbitration provision, �you� and �us� also includes any  of any class or group of claimants pertaining to any Claim  Claim at any time unless it has been ?led in court and trial  the Administrators listed above will accept the arbitration,  body with suf?cient authority. In the event of any con?ict  body with suf?cient authority. In the event of any con?ict  Administrator�s rules or other provisions of this Agreement,  11. Fees:   monthly  1.5% over $750.00  PERCENTAGE   18%  AK, AR, CT, HI, LA, MD, MI,  OH, OR, PA, SD, WI  $39.00  or less) 
                                                                                                                                                                                                                                                                        the state of:   CO, GA, IN,                   AL   than $18.00  more than $37.00 and not less  of merchandise, your payments will be allocated ?rst to  Payment Fees, any unpaid Returned Payment Fees, any 
         Interest on Purchases                                            balance. We calculate your total regular balance each billing  balance. We calculate your total regular balance each billing  cycle. We will not charge you Interest in any billing cycle  ment obligation under this agreement orally, please call  4. How to Avoid Paying Interest on Purchases: Your  is designated as purchased under a no interest if paid in  of some of the promotional terms that we may offer in our  designated as purchased under the �Eighteen Month Plan�,  directors and representatives of any of the foregoing, and  D. The party initiating an arbitration shall select an  AR  1.75% to $750.00   1.4167%  21%  17%  unpaid Interest, and any other unpaid fees or charges, 
         How to Avoid Paying  Your due date is at least 25 days after the close of each billing                                            7. Promotional Terms: At our sole discretion, we may offer  balance. Any promotion will be subject to the terms of the  the ?rst twelve (12) months if you make all required minimum  claims that arise from or relate to any application for your  ?nanced in connection with your Account. For purposes of  corporate af?liates, any licensees, predecessors, successors,  subject to arbitration. We or you may elect to arbitrate any  has begun or ?nal judgment has been entered. the arbitration will be administered by an administrator, or  AL  or inconsistency between this arbitration provision and the  or inconsistency between this arbitration provision and the  this arbitration provision will govern. A. Returned Payment Fee: If any check, instrument, or  periodic rate of:   1.75% to $750.00   RATE  21%  MN, MS, NV, NH, NY, ND,  AZ, KS  5% of amount past due but not    5% of amount past due but not  minimum payment is $5.00 to  purchase was made.
                                                                          subject to the same terms (such as the applicable APR and  balance subject to the Regular APR and the other regular  payments by the end of the 12th month. If we do not receive                                                                 $10.00 (except $5.00 if the  than $18.00  any unpaid insurance premium, next to any unpaid Late  unpaid Interest, and any other unpaid fees or charges, 
                            your entire balance by the due date each month.                                                                                                                                                                                                            1.75% 
                            None to $1. The minimum interest charge varies by state. See  cycle by taking the regular balance for the prior billing  cycle by taking the regular balance for the prior billing                                                               MS, OK, TN,          21% 
                                                                                                           in which payments received (and if required by law, credits  To receive this disclosure and a description of your pay- 1-866-875-5929. due date is at least 25 days after the close of each billing  full plan, you will pay no Interest on that balance if the  sole discretion from time to time. Eighteen (18) Month Plan. If any single purchase is  no Interest will be imposed on the promotional purchase for  other persons referred to below in the de?nition of �Claims�.  Administrator from the organizations listed above. If none of  CO, GA, IN,  AL  AR  1.5% over $750.00  1.4167%  18%  17%  OH, OR, PA, SD, WI  AL  more than $39.00 and not less   
         Minimum Interest Charge                                                                                                                                                                                                                                                                                                      $25.00)  then to pay off each purchase in the order in which the 
                            cycle. We will not charge you interest on purchases if you pay  duration) shall be considered part of the same balance. The  terms set forth in this Agreement is your Account�s regular  you promotional terms for a new purchase or for an existing  promotional offer and this Agreement. Below is a description  payments by the end of the 12th month.  If we do not receive  all required minimum payments by the end of the 12th month,  Account or any advertisements, promotions, or statements  this arbitration provision, �you� and �us� also includes any  assigns, any purchaser of any accounts, all agents, employees,  Claim at any time unless it has been ?led in court and trial  adjudicated by an arbitrator, upon which you and we agree in  Administrator�s rules or other provisions of this Agreement,  Administrator�s rules or other provisions of this Agreement,  electronic authorization used to pay us is not honored upon  1.5% over $750.00  18%  AZ, KS  AL  minimum payment is $5.00 to  more than $37.00 and not less  $10.00 (except $5.00 if the  Payment Fees, any unpaid Returned Payment Fees, any  then to pay off each purchase in the order in which the 
         Interest on Purchases   None to $1. The minimum interest charge varies by state. See  cycle, adding any regular purchases, fees, Interest Charges,  cycle, adding any regular purchases, fees, Interest Charges,  issued) by the due date equal or exceed the New Balance,  ment obligation under this agreement orally, please call  TX, VT, WY 
                                                                                                           cycle. We will not charge you Interest in any billing cycle  promotional purchase is paid in full in the designated  designated as purchased under the �Eighteen Month Plan�,  the ?rst twelve (12) months if you make all required minimum  �Claim� includes claims of every kind and nature, including  D. The party initiating an arbitration shall select an  the Administrators listed above will accept the arbitration,  MS, OK, TN,  11. Fees:   1.75% to $750.00   1.75%  21%  21%  5% of amount past due but not  than $18.00  purchase was made.
         Minimum Interest Charge                                                                                                                                                                                                                                             CO, GA, IN,                                                     13. Default/Collection Costs: If you fail to pay any 
                                                                                                                                                                                                                                                                                                                      CA, CO, DC, IA  $25.00)  $15.00 
                            Paragraph 5 of the Retail Installment Credit Agreement for details.  balance subject to the Regular APR and the other regular  balance. We calculate your total regular balance each billing  4. How to Avoid Paying Interest on Purchases: Your  balance. Any promotion will be subject to the terms of the  of some of the promotional terms that we may offer in our  No Interest If Paid in Full Plans. If any single purchase  all required minimum payments by the end of the 12th month,  or if we do not receive a required minimum payment within 60  related to your Account or goods or services that may be  corporate af?liates, any licensees, predecessors, successors,  directors and representatives of any of the foregoing, and  has begun or ?nal judgment has been entered. writing. The arbitration shall be governed by the procedures  AL  AR  this arbitration provision will govern. this arbitration provision will govern. ?rst presentment, (for residents of MD, second presentment),  1.4167%  17%  AZ, KS  than $18.00  minimum payment is $5.00 to  unpaid Interest, and any other unpaid fees or charges,  purchase was made.
                            your entire balance by the due date each month. other ?nance charges, and other debits, and subtracting  other ?nance charges, and other debits, and subtracting  including any promotional plan balances, shown on your  1-866-875-5929. in which payments received (and if required by law, credits  promotional time period (which may be 6 months, 12  no Interest will be imposed on the promotional purchase for  payments by the end of the 12th month. If we do not receive  TX, VT, WY 
                                                                                                                                                                                                            but not limited to initial claims, counterclaims, cross-claims,  Administrator from the organizations listed above. If none of  the arbitration will be administered by an administrator, or  A. Returned Payment Fee: If any check, instrument, or  AR  DC, MD  1.5% over $750.00  1.4167%  2.0%  18%  17% 
                                                                          terms set forth in this Agreement is your Account�s regular  cycle by taking the regular balance for the prior billing  promotional offer and this Agreement. Below is a description  and rules of the Administrator and this Agreement, which  CO, GA, IN,  even if the check, instrument or electronic authorization  MS, OK, TN,  1.75%  21%  24%  AL  more than $39.00 and not less  $10.00 (except $5.00 if the  minimum payment when due, or if the prospect of 
                                                                                                                                                                                                                                                                                                             CA, CO, DC    $15.00 
                            Paragraph 5 of the Retail Installment Credit Agreement for details.  None to $1. The minimum interest charge varies by state. See  due date is at least 25 days after the close of each billing  sole discretion from time to time. is designated as purchased under a no interest if paid in  or if we do not receive a required minimum payment within 60  days of its due date, Interest will be charged to your account  ?nanced in connection with your Account. For purposes of  assigns, any purchaser of any accounts, all agents, employees,  other persons referred to below in the de?nition of �Claims�.  DE, NM, TN, VT  $10.00 (except $5.00 if the  $25.00)  None  13. Default/Collection Costs: If you fail to pay any  then to pay off each purchase in the order in which the 
         Minimum Interest Charge                                          any payments or other credits, as of the closing date for  any payments or other credits, as of the closing date for  billing statement. issued) by the due date equal or exceed the New Balance,  months, or another period speci?ed in the promotion).  If  the ?rst twelve (12) months if you make all required minimum  all required minimum payments by the end of the 12th month,  third-party claims, and claims based upon contract, tort,  D. The party initiating an arbitration shall select an  the Administrators listed above will accept the arbitration,  adjudicated by an arbitrator, upon which you and we agree in  DC, MD  11. Fees:   11. Fees:   electronic authorization used to pay us is not honored upon  CO, GA, IN,  2.0%  24%  AZ, KS  than $18.00  minimum payment is $5.00 to  payment, performance, or realization of collateral is 
                                                                          balance. We calculate your total regular balance each billing  cycle, adding any regular purchases, fees, Interest Charges,  4. How to Avoid Paying Interest on Purchases: Your  cycle. We will not charge you Interest in any billing cycle  of some of the promotional terms that we may offer in our  need not apply federal, state or local rules of procedure  AR  MS, OK, TN,  is later honored, we may charge you a Returned Payment  TX, VT, WY 
                                                                                                                                           full plan, you will pay no Interest on that balance if the  days of its due date, Interest will be charged to your account  at the Regular APR from the promotional purchase date. After  this arbitration provision, �you� and �us� also includes any  directors and representatives of any of the foregoing, and  �Claim� includes claims of every kind and nature, including  HI, MA, MN, NC  1.4167%  1.75%  1.5%  17%  21%  18%  DE, NM, TN, VT 
                                                                                                                                                                                                                                                                                                                      AZ, KS  FL, MT, NJ, TX  None 
                                                                                                                                                                                                                                                                                                                                      minimum payment is $5.00 to  $10.00  13. Default/Collection Costs: If you fail to pay any 
                            Paragraph 5 of the Retail Installment Credit Agreement for details.  To learn more about factors to consider when applying for or  that billing cycle. Balances subject to promotional terms  that billing cycle. Balances subject to promotional terms  including any promotional plan balances, shown on your  the promotional purchase balance is not paid in full by the  No Interest If Paid in Full Plans. If any single purchase  payments by the end of the 12th month. If we do not receive  or if we do not receive a required minimum payment within 60  fraud, and other intentional torts, statutes, regulations,  Administrator from the organizations listed above. If none of  the arbitration will be administered by an administrator, or  writing. The arbitration shall be governed by the procedures  HI, MA, MN, NC  A. Returned Payment Fee: If any check, instrument, or  A. Returned Payment Fee: If any check, instrument, or  ?rst presentment, (for residents of MD, second presentment),  CA, CO, DC, IA  $25.00)  $15.00  minimum payment when due, or if the prospect of  purchase was made.
                                                                          cycle by taking the regular balance for the prior billing  other ?nance charges, and other debits, and subtracting                                                 and evidence. The Administrator�s procedures and rules  CO, GA, IN,  TX, VT, WY  Fee. Except as set forth for speci?ed states below, this fee is  MS, OK, TN,  1.5%  1.75%  18%  21%  $10.00 (except $5.00 if the  signi?cantly impaired, to the extent permitted by applicable 
         For Credit Card Tips from  None to $1. The minimum interest charge varies by state. See           due date is at least 25 days after the close of each billing  sole discretion from time to time.                                                                  DC, MD    2.0%       24%        FL, MT, NJ, TX  $10.00 
         Minimum Interest Charge                                                                           in which payments received (and if required by law, credits                                      other persons referred to below in the de?nition of �Claims�.                                             GA              $25.00)  $25.00  minimum payment when due, or if the prospect of 
                            To learn more about factors to consider when applying for or  are promotional balances. We calculate the total of any  are promotional balances. We calculate the total of any  5. Calculation of Interest: In all states except MN and NM,  promotional purchase is paid in full in the designated  at the Regular APR from the promotional purchase date.  the ?rst twelve (12) months, we will use the speci?ed reduced  corporate af?liates, any licensees, predecessors, successors,  but not limited to initial claims, counterclaims, cross-claims,  adjudicated by an arbitrator, upon which you and we agree in  and rules of the Administrator and this Agreement, which  electronic authorization used to pay us is not honored  electronic authorization used to pay us is not honored upon  even if the check, instrument or electronic authorization  MI, NY, OH, WV  2.0825%  24.99%  AZ, KS  CA, CO, DC  DE, NM, TN, VT  minimum payment is $5.00 to  $15.00  None  payment, performance, or realization of collateral is 
                                                                                                           billing statement.              end of the designated promotional period, or if we do not  is designated as purchased under a no interest if paid in  all required minimum payments by the end of the 12th month,  days of its due date, Interest will be charged to your account  the Administrators listed above will accept the arbitration,  law it will be a default, and, subject to any right you may 
         For Credit Card Tips from                                        cycle, adding any regular purchases, fees, Interest Charges,  any payments or other credits, as of the closing date for           common law, and equity. Claims and remedies sought as 
                                                                                                           we calculate Interest Charges using the average daily balance  cycle. We will not charge you Interest in any billing cycle  issued) by the due date equal or exceed the New Balance,  promotional time period (which may be 6 months, 12  After the ?rst twelve (12) months, we will use the speci?ed  assigns, any purchaser of any accounts, all agents, employees,  �Claim� includes claims of every kind and nature, including  third-party claims, and claims based upon contract, tort,  may limit the discovery available to you or us. You can  MS, OK, TN,  DC, MD  MI, NY, OH, WV  up to $37.00. The fee charged generally will be the highest  TX, VT, WY  1.75%  2.0%  2.0825%  21%  24%  24.99%  GA  $25.00  13. Default/Collection Costs: If you fail to pay any  payment, performance, or realization of collateral is 
                            using a credit card, visit the website of the Consumer Financial                                                                                APR (the �Promotional APR�), in lieu of the Regular APR, to 
         the Consumer Financial   Paragraph 5 of the Retail Installment Credit Agreement for details.  promotional balance by adding the promotional purchase  promotional balance by adding the promotional purchase  receive a required minimum payment within 60 days of its  No Interest If Paid in Full Plans. If any single purchase  full plan, you will pay no Interest on that balance if the  or if we do not receive a required minimum payment within 60  at the Regular APR from the promotional purchase date. After  the arbitration will be administered by an administrator, or  writing. The arbitration shall be governed by the procedures  need not apply federal, state or local rules of procedure  the ?rst time it is submitted, (for residents of MD, upon  ?rst presentment, (for residents of MD, second presentment), 
                                                                                                                                                                                                            part of a class action, private attorney general action, or      is later honored, we may charge you a Returned Payment  HI, MA, MN, NC  1.5% 
                                                                                                                                                                                                                                                                        TX, VT, WY     1.75% to $499.99  18%  DE, NM, TN, VT  CA, CO, DC, IA  FL, MT, NJ, TX  $25.00)  None  $15.00  $10.00  signi?cantly impaired, to the extent permitted by applicable 
                                                                                                                                                                                                                                                                                                             IA            $30.00            have under state law to receive notice of and to cure such 
                                                                                                                                                                                                                                                                                                                                             minimum payment when due, or if the prospect of 
                            using a credit card, visit the website of the Consumer Financial  To learn more about factors to consider when applying for or  other ?nance charges, and other debits, and subtracting  that billing cycle. Balances subject to promotional terms 
                                                                          for that balance and subtracting any payments allocated  for that balance and subtracting any payments allocated  method (including current transactions). In MN and NM, we  in which payments received (and if required by law, credits  including any promotional plan balances, shown on your  5. Calculation of Interest: In all states except MN and NM,  months, or another period speci?ed in the promotion). If  reduced APR (the �Promotional APR�), in lieu of the Regular  calculate Interest for the next six (6) months. The Promotional  directors and representatives of any of the foregoing, and  but not limited to initial claims, counterclaims, cross-claims,  fraud, and other intentional torts, statutes, regulations,  obtain a copy of an Administrator�s procedures and rules  HI, MA, MN, NC  amount permitted by law, subject to the speci?ed maximum.  DC, MD  1.75% to $499.99  2.0%  24%  21%  signi?cantly impaired, to the extent permitted by applicable 
         the Consumer Financial    For Credit Card Tips from                                                                               due date, Interest will be charged to your account at the  is designated as purchased under a no interest if paid in  promotional purchase is paid in full in the designated  days of its due date, Interest will be charged to your account  the ?rst twelve (12) months, we will use the speci?ed reduced  even if the check, instrument or electronic authorization 
                                                                                                                                                                                                            other representative action are subject to arbitration on an  adjudicated by an arbitrator, upon which you and we agree in  and rules of the Administrator and this Agreement, which  and evidence. The Administrator�s procedures and rules  resubmission), even if the check, instrument or electronic  Fee. Except as set forth for speci?ed states below, this fee is  1.5%  18% 
                                                                                                                                                                                                                                                                             NE        1.5% for $500.00 and  21%  CA, CO, DC  FL, MT, NJ, TX  DE, NM, TN, VT  $15.00  $10.00  None  Greater of 5% of amount past  law it will be a default, and, subject to any right you may  default, we may declare the entire unpaid balance on the 
                            Protection Bureau at:  
         Protection Bureau                                                any payments or other credits, as of the closing date for  are promotional balances. We calculate the total of any  issued) by the due date equal or exceed the New Balance,  billing statement. we calculate Interest Charges using the average daily balance  third-party claims, and claims based upon contract, tort,  by contacting the Administrator. A single, neutral arbitrator  DC, MD  NE  This means that the fee generally will not exceed the amount  MI, NY, OH, WV  2.0%  1.5% for $500.00 and  2.0825%  24%  24.99%  GA  $25.00  payment, performance, or realization of collateral is 
                                                                          to that promotional balance or other credits. You authorize  to that promotional balance or other credits. You authorize  calculate Interest Charges using the average daily balance  the promotional purchase balance is not paid in full by the  APR, to calculate Interest for the next six (6) months.  The  APR will return to your Regular APR at the expiration of the  other persons referred to below in the de?nition of �Claims�.  common law, and equity. Claims and remedies sought as  18% 
                                                                                                                                                                                                                                             writing. The arbitration shall be governed by the procedures  need not apply federal, state or local rules of procedure  may limit the discovery available to you or us. You can  MI, NY, OH, WV  authorization is later honored, we may charge you a Returned  is later honored, we may charge you a Returned Payment  up to $37.00. The fee charged generally will be the highest  HI, MA, MN, NC  2.0825%  1.5%  more  24.99%  18%  18%  DE, NM, TN, VT  GA  FL, MT, NJ, TX  ID  None  $25.00  Greater of 5% of amount past  have under state law to receive notice of and to cure such  law it will be a default, and, subject to any right you may 
                            Protection Bureau at:   using a credit card, visit the website of the Consumer Financial                       full plan, you will pay no Interest on that balance if the 
                                                                          that billing cycle. Balances subject to promotional terms  promotional balance by adding the promotional purchase  Regular APR from the promotional purchase date.  See  promotional time period (which may be 6 months, 12  at the Regular APR from the promotional purchase date. After  $10.00  due or $15.00 (but not to  .00) 
                                                                                                                                                                            APR (the �Promotional APR�), in lieu of the Regular APR, to  individual (non-class, non-representative) basis, and the  more                                     Account due and payable (except in WI you will not be 
         Protection Bureau   the Consumer Financial   To learn more about factors to consider when applying for or                                                                                                                                                                                           ID            due or $15.00 (but not to 
         For Credit Card Tips from  http://www.consumer?nance.gov/learnmore.  us to allocate any payment or credit among your regular  us to allocate any payment or credit among your regular  method (excluding current transactions). We calculate  including any promotional plan balances, shown on your  method (including current transactions). In MN and NM, we  end of the designated promotional period, or if we do not  Promotional APR will return to your Regular APR at the  �Claim� includes claims of every kind and nature, including  fraud, and other intentional torts, statutes, regulations,  part of a class action, private attorney general action, or  will resolve Claims. The arbitrator will be either a lawyer with  HI, MA, MN, NC  of the required minimum payment due immediately prior 
                                                                                                                                                                            six month period or if we do not receive a required minimum                                          1.5%  1.75% to $499.99  18%  FL, MT, NJ, TX  IA $10.00  $30.00 default, we may declare the entire unpaid balance on the  signi?cantly impaired, to the extent permitted by applicable  have under state law to receive notice of and to cure such 
                                                                          are promotional balances. We calculate the total of any  for that balance and subtracting any payments allocated  5. Calculation of Interest: In all states except MN and NM,  Paragraph 3 for details.  Unless the promotion states that  promotional purchase is paid in full in the designated  months, or another period speci?ed in the promotion). If  the ?rst twelve (12) months, we will use the speci?ed reduced  calculate Interest for the next six (6) months. The Promotional  and rules of the Administrator and this Agreement, which  and evidence. The Administrator�s procedures and rules  obtain a copy of an Administrator�s procedures and rules  Payment Fee.  Except as set forth for speci?ed states below,  Fee. Except as set forth for speci?ed states below, this fee is  amount permitted by law, subject to the speci?ed maximum. 
                                                                                                                                                                                                            arbitrator may award relief only on an individual (non-class,    MI, NY, OH, WV  1.75% to $499.99 
                                                                                                                                                                                                                                                                             All other states   2.2491%  2.0825%  24.99%  21%  26.99%  GA  exceed $39.00)  $25.00  exceed $37 in default until you fail to make a minimum payment on 
                            http://www.consumer?nance.gov/learnmore.  Protection Bureau at:   and promotional balances, in any manner, including in a  and promotional balances, in any manner, including in a  Interest separately for each balance on your Account subject  billing statement. calculate Interest Charges using the average daily balance  receive a required minimum payment within 60 days of its  expiration of the six month period or if we do not receive a  payment within 60 days of its due date. See Paragraph 3 for  but not limited to initial claims, counterclaims, cross-claims,  common law, and equity. Claims and remedies sought as  at least ten years experience or a retired or former judge,  All other states   2.2491%  to the date on which the payment is returned. In addition,  NE  1.5% for $500.00 and  21%  26.99%  GA  $25.00  Greater of 5% of amount past  Account due and payable (except in WI you will not be  law it will be a default, and, subject to any right you may 
                                                                                                                                                                                                            other representative action are subject to arbitration on an                                                                     default, we may declare the entire unpaid balance on the 
                                                                                                                                           promotional time period (which may be 6 months, 12                                                                           MI, NY, OH, WV  2.0825%  24.99% 
         Protection Bureau  using a credit card, visit the website of the Consumer Financial               we calculate Interest Charges using the average daily balance  the promotional purchase balance is not paid in full by the  APR (the �Promotional APR�), in lieu of the Regular APR, to  need not apply federal, state or local rules of procedure  may limit the discovery available to you or us. You can  by contacting the Administrator. A single, neutral arbitrator  NE  this fee is up to $39.00.  The fee charged generally will  up to $37.00. The fee charged generally will be the highest 
                                                                                                                                                                            APR will return to your Regular APR at the expiration of the                                     This means that the fee generally will not exceed the amount  1.5% for $500.00 and  18%  Greater of 5% of amount past  Greater of 5% of amount past  two occasions within a twelve (12) month period). We 
         the Consumer Financial                                           promotional balance by adding the promotional purchase  to that promotional balance or other credits. You authorize  there is no separate promotional minimum payment, the  non-representative) basis. �Claim� also includes claims by or  the ?rst time you make a payment that is returned, the fee  1.75% to $499.99 
                                                                          manner that may be bene?cial to us, except where otherwise  to different terms (including APR and duration). We ?gure the  method (excluding current transactions). We calculate  due date, Interest will be charged to your account at the  required minimum payment within 60 days of its due date.  details. The required minimum payment for the promotional  third-party claims, and claims based upon contract, tort,  part of a class action, private attorney general action, or  individual (non-class, non-representative) basis, and the  selected in accordance with the rules of the Administrator.  more  more  18% 
                                                                                                                                                                                                                                                                                                             IA       ID   Greater of 5% of amount past  .00) 
                                                                                                                                                                                                                                                                                                                           $30.00     due or $15.00 (but not to  have under state law to receive notice of and to cure such 
                                                                          manner that may be bene?cial to us, except where otherwise                                                                                                                                                                                                         in default until you fail to make a minimum payment on  Account due and payable (except in WI you will not be 
         Fees                                                                                                                                                                                                                                                                                                ID            due or $15.00 (but not to 
                            http://www.consumer?nance.gov/learnmore.      for that balance and subtracting any payments allocated  us to allocate any payment or credit among your regular  5. Calculation of Interest: In all states except MN and NM, 
                                                                                                           method (including current transactions). In MN and NM, we  required minimum payment for the promotional balance will  months, or another period speci?ed in the promotion). If  end of the designated promotional period, or if we do not  calculate Interest for the next six (6) months. The Promotional  and evidence. The Administrator�s procedures and rules  obtain a copy of an Administrator�s procedures and rules  will resolve Claims. The arbitrator will be either a lawyer with  be the highest amount permitted by law, subject to the  amount permitted by law, subject to the speci?ed maximum.  of the required minimum payment due immediately prior  1.75% to $499.99 
                                                                                                                                                                            six month period or if we do not receive a required minimum                                                           21% 
                                                                                                                                                                                                            against any third party relating to or arising from your Card,   will not exceed $27.00. If you make another payment that  21%  IL, KY, WY  IL, KY, WY  due or $10.00 (but not to  due or $10.00 (but not to  .00)  also may repossess any article of merchandise in which 
                                                                                                                                                                                                                                                                                                                                      Greater of 5% of amount past 
                            Protection Bureau at:                         prohibited by applicable law. The total of your regular balance  prohibited by applicable law. The total of your regular balance  Interest Charges by applying the applicable monthly periodic  Interest separately for each balance on your Account subject  Regular APR from the promotional purchase date. Unless  NE  1.5% for $500.00 and  exceed $37 default, we may declare the entire unpaid balance on the 
         Fees                                                                                                                                                               See Paragraph 3 for details.  The required minimum payment 
         Protection Bureau                                                                                                                                                  balance will be 1/18th of the promotional purchase multiplied  fraud, and other intentional torts, statutes, regulations,  other representative action are subject to arbitration on an  arbitrator may award relief only on an individual (non-class,  In the event of any con?ict or inconsistency between this 
                                                                                                                                                                                                                                             by contacting the Administrator. A single, neutral arbitrator  NE                               in default until you fail to make a minimum payment on 
                                                                                                                                                                                                                                                                        All other states   2.2491%  speci?ed maximum.  This means that the fee generally will  This means that the fee generally will not exceed the amount  to the date on which the payment is returned. In addition,  All other states   2.2491%  1.5% for $500.00 and  26.99%  18%  26.99%  Greater of 5% of amount past  exceed $39.00)  two occasions within a twelve (12) month period). We 
                                                                          to that promotional balance or other credits. You authorize  and promotional balances, in any manner, including in a  we calculate Interest Charges using the average daily balance  calculate Interest Charges using the average daily balance  be the amount of the promotional purchase (less any down  the promotional purchase balance is not paid in full by the  receive a required minimum payment within 60 days of its  APR will return to your Regular APR at the expiration of the  payment within 60 days of its due date. See Paragraph 3 for  may limit the discovery available to you or us. You can  at least ten years experience or a retired or former judge, 
                                                                                                                                                                                                            your Account, or this Agreement. The term �Claim� is to be                     18%                             exceed $39.00)  exceed $37 .00)  we still retain a security interest, but we will do so only 
                                                                          and any promotional balances is the �New Balance� shown  and any promotional balances is the �New Balance� shown  rate to the �average daily balance� for that balance. To get the  to different terms (including APR and duration). We ?gure the  the promotion states that there is no separate promotional  for the promotional balance will be 1/18th of the purchase  by 1.030 and rounded up to the nearest $5.00, but not less  common law, and equity. Claims and remedies sought as  individual (non-class, non-representative) basis, and the  is returned during the next six billing cycles, the fee will not  more  more  ID 
                                                                                                                                                                                                            non-representative) basis. �Claim� also includes claims by or  arbitration provision and the Administrator�s rules or other  due or $15.00 (but not to  Greater of 5% of amount past  Account due and payable (except in WI you will not be  two occasions within a twelve (12) month period). We 
                            http://www.consumer?nance.gov/learnmore.      us to allocate any payment or credit among your regular  manner that may be bene?cial to us, except where otherwise  method (including current transactions). In MN and NM, we  method (excluding current transactions). We calculate  payment) divided by the promotional period, rounded up to  end of the designated promotional period, or if we do not  due date, Interest will be charged to your account at the  six month period or if we do not receive a required minimum  details. The required minimum payment for the promotional  given the broadest possible meaning that will be enforced.  obtain a copy of an Administrator�s procedures and rules  will resolve Claims. The arbitrator will be either a lawyer with  selected in accordance with the rules of the Administrator.  not exceed the amount of the required minimum payment  of the required minimum payment due immediately prior  the ?rst time you make a payment that is returned, the fee  ID  due or $15.00 (but not to  Greater of 5% of amount past  also may repossess any article of merchandise in which 
         Annual Fee         None                                                                                                                                                                                                                                             exceed $37.00.                  IN            $19.00            in the manner and to the extent permitted by applicable 
         Fees                                                             on your statement. on your statement. average daily balance for a balance, we take the beginning  Interest Charges by applying the applicable monthly periodic  minimum payment, the required minimum payment for the  price (less any down payment) multiplied by 1.030 and  than $150.00 or not less than $250.00, based on the terms  part of a class action, private attorney general action, or  arbitrator may award relief only on an individual (non-class,  against any third party relating to or arising from your Card,  provisions of this Agreement, this arbitration provision will 
                                                                                                                                                                                                                                             at least ten years experience or a retired or former judge,  In the event of any con?ict or inconsistency between this  All other states   2.2491%  due immediately prior to the date on which the payment is  to the date on which the payment is returned. In addition,  will not exceed $27.00. If you make another payment that  All other states   2.2491%  26.99%  26.99%  IL, KY, WY  IL, KY, WY  IN  exceed $39.00)  exceed $37 due or $10.00 (but not to  $18.50   .00)  in default until you fail to make a minimum payment on  also may repossess any article of merchandise in which  st 
                                                                          and promotional balances, in any manner, including in a  prohibited by applicable law. The total of your regular balance  calculate Interest Charges using the average daily balance  Interest separately for each balance on your Account subject  the nearest $5.00 increment. For example, if the promotion  receive a required minimum payment within 60 days of its  Regular APR from the promotional purchase date. Unless  payment within 60 days of its due date. See Paragraph 3 for  balance will be 1/18th of the promotional purchase multiplied  �Administrator� means the American Arbitration Association,  by contacting the Administrator. A single, neutral arbitrator  due or $10.00 (but not to  we still retain a security interest, but we will do so only 
                                                                                                                                                                                                                                                                         State       Maximum Returned                      Lesser of 5% of amount past  law. If the Account is referred to an attorney who is not 
          Annual Fee        None                                                                                                                                                                                                                                                                                                              
                                                                                                           balance each day, add any new transactions (except we do  rate to the �average daily balance� for that balance. To get the  promotional balance will be the amount of the promotional  rounded up to the nearest $5.00, but not less than $150.00  of the offer. other representative action are subject to arbitration on an  non-representative) basis. �Claim� also includes claims by or  your Account, or this Agreement. The term �Claim� is to be  govern. The arbitrator will take reasonable steps to protect  ME  exceed $39.00)  Greater of 5% of amount past  exceed $37 Lesser of 5% of amount pa two occasions within a twelve (12) month period). We  we still retain a security interest, but we will do so only 
                                                                          3. Your Regular Annual Percentage Rate: If Interest Charges  manner that may be bene?cial to us, except where otherwise  and any promotional balances is the �New Balance� shown  3. Your Regular Annual Percentage Rate: If Interest Charges  method (excluding current transactions). We calculate  to different terms (including APR and duration). We ?gure the  is for 12 months, the required minimum payment is  due date, Interest will be charged to your account at the  the promotion states that there is no separate promotional  details. The required minimum payment for the promotional  by 1.030 and rounded up to the nearest $5.00, but not less  335 Madison Avenue, New York, NY 10017, www.adr.org,  will resolve Claims. The arbitrator will be either a lawyer with  selected in accordance with the rules of the Administrator.  arbitration provision and the Administrator�s rules or other  returned.  In addition, the ?rst time you make a payment  the ?rst time you make a payment that is returned, the fee  is returned during the next six billing cycles, the fee will not  State  Maximum Returned  Greater of 5% of amount past  in the manner and to the extent permitted by applicable 
                                                                                                                                                                                                                                                                                     Payment Fee                      ME   due or $10.00     our salaried employee and we bring a suit against you to 
         Fees                                                                                                                                                                                                                                                                                                                               .00)  also may repossess any article of merchandise in which 
          Annual Fee          None                                                                         not add in any new transactions in MN and NM); subtract  average daily balance for a balance, we take the beginning  purchase divided by the promotional period, rounded up 
                                                                          (which are FINANCE CHARGES) are assessed during a billing                                         or not less than $250.00, based on the terms of the offer.  individual (non-class, non-representative) basis, and the  against any third party relating to or arising from your Card,  given the broadest possible meaning that will be enforced.  customer account information and other con?dential 
                                                                                                                                                                                                                                             In the event of any con?ict or inconsistency between this                IL, KY, WY 
                                                                                                                                                                                                                                             provisions of this Agreement, this arbitration provision will  that is returned, the fee will not exceed $28.00.  If you make  will not exceed $27.00. If you make another payment that  exceed $37.00. Payment Fee  IL, KY, WY  IN  IN  due or $10.00 (but not to  $19.00   due or $10.00 (but not to  due or $10.00 law. If the Account is referred to an attorney who is not  in the manner and to the extent permitted by applicable 
         Penalty Fees                                                     prohibited by applicable law. The total of your regular balance  on your statement. (which are FINANCE CHARGES) are assessed during a billing  Interest separately for each balance on your Account subject  Interest Charges by applying the applicable monthly periodic  determined as follows: 1/12th of the purchase price (less  Regular APR from the promotional purchase date. Unless  $18.50   st 
                                                                                                                                           minimum payment, the required minimum payment for the  balance will be 1/18th of the promotional purchase multiplied  than $150.00 or not less than $250.00, based on the terms  8. Payments: All payments must be mailed or delivered to  at least ten years experience or a retired or former judge, 
                                                                                                                                                                                                            (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine,   AK, KY, LA, ME, NH,  $37.00                       Lesser of 10% of outstanding  collect the amount you owe, in addition to the full amount 
                                                                                                                                                                                                                                             information if requested to do so by you or us. Arbitration                   exceed $39.00)    we still retain a security interest, but we will do so only  law. If the Account is referred to an attorney who is not   
         Penalty Fees         Up to $37. This fee varies by state. See Paragraph 11.B of the               any payments or credits and any Late Payment Fees, any  balance each day, add any new transactions (except we do  to the nearest $5.00 increment. However, if the promotion  The minimum payment will never be more than the remaining  arbitrator may award relief only on an individual (non-class,  your Account, or this Agreement. The term �Claim� is to be  MA  exceed $37
                                                                          cycle, we will use the following Annual Percentage Rate (the  and any promotional balances is the �New Balance� shown  cycle, we will use the following Annual Percentage Rate (the  �Administrator� means the American Arbitration Association, 
                                                                                                           to different terms (including APR and duration). We ?gure the  rate to the �average daily balance� for that balance. To get the   arbitration provision and the Administrator�s rules or other 
                                                                                                                                           any down payment) and rounded up to the nearest $5.00.  the promotion states that there is no separate promotional  promotional balance will be the amount of the promotional  by 1.030 and rounded up to the nearest $5.00, but not less  of the offer. selected in accordance with the rules of the Administrator.  govern. The arbitrator will take reasonable steps to protect  State  ND, OH, SD, VA, WA,  another payment that is returned during the next six billing  is returned during the next six billing cycles, the fee will not  AK, KY, LA, ME, NH,  Maximum Returned  $39.00  Lesser of 5% of amount past  Lesser of 10% of outstanding    our salaried employee and we bring a suit against you to 
                                                                                                                                                                            us at the address shown on the front of the billing statement  CA 92614, www.jamsadr.com, (949) 224-1810. State  Maximum Returned  ME 
                                                                                                                                                                                                                                             hearings for Claims by or against you will take place in the  Payment Fee  ME  MA  balance or $10.00  Lesser of 5% of amount pa owed and any court costs, you agree to pay our reasonable 
                                                                                                                                                                                                                                                                                                                                             in the manner and to the extent permitted by applicable 
          Annual Fee        Up to $39. This fee varies by state. See Paragraph 11.B of the  None 3. Your Regular Annual Percentage Rate: If Interest Charges                                                given the broadest possible meaning that will be enforced.                                       IN 
                                                                          �Regular APR�) and corresponding monthly periodic rate,  on your statement. �Regular APR�) and corresponding monthly periodic rate,  Returned Payment Fees, and/or unpaid Interest Charges;  not add in any new transactions in MN and NM); subtract  speci?es a minimum purchase amount, in no case will the  promotional purchase balance.  If the promotion states that  non-representative) basis. �Claim� also includes claims by or  335 Madison Avenue, New York, NY 10017, www.adr.org, 
                                                                                                           Interest Charges by applying the applicable monthly periodic                                                                      In the event of any con?ict or inconsistency between this  provisions of this Agreement, this arbitration provision will  customer account information and other con?dential  WI  cycles, the fee will not exceed $39.00. exceed $37.00. ND, OH, SD, VA, WA,  IN  $19.00   due or $10.00  $18.50   due or $10.00 balance or $10.00 collect the amount you owe, in addition to the full amount  our salaried employee and we bring a suit against you to 
                                                                                                                                                                                                                                                                                                                                             attorney�s fees to the extent permitted by applicable law.  st 
         � Late Payment 
         Penalty Fees         Retail Installment Credit Agreement for details.                             average daily balance for a balance, we take the beginning  minimum payment, the required minimum payment for the  purchase divided by the promotional period, rounded up  than $150.00 or not less than $250.00, based on the terms  Payment Fee  $10.00 (except $5.00 if the 
                                                                          (which are FINANCE CHARGES) are assessed during a billing        However, if the promotion speci?es a minimum purchase  and accompanied by the payment slip. You must pay us in 
                                                                                                           and make other adjustments. This gives us the daily balance.  any payments or credits and any Late Payment Fees, any  minimum payment be less than the minimum purchase  there is no separate promotional minimum payment, then the  8. Payments: All payments must be mailed or delivered to  federal judicial district in which you reside. If you make a 
                                                                                                                                                                                                            against any third party relating to or arising from your Card,  �Administrator� means the American Arbitration Association,  (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine,  B. We OR you have the right to require that each Claim be  State  AK, KY, LA, ME, NH, 
                                                                                                                                                                                                                                             govern. The arbitrator will take reasonable steps to protect  information if requested to do so by you or us. Arbitration  AL, AR, HI, KS, MN,  WI  Maximum Returned  $37.00  $30.00  Lesser of 5% of amount past  Lesser of 10% of outstanding  law. If the Account is referred to an attorney who is not  collect the amount you owe, in addition to the full amount 
         � Late Payment                                                   subject to any promotional terms: subject to any promotional terms: rate to the �average daily balance� for that balance. To get the  balance each day, add any new transactions (except we do  amount, in no case will the minimum payment be less than  promotional balance will be the amount of the promotional  to the nearest $5.00 increment. However, if the promotion  of the offer. U.S. dollars drawn on funds on deposit in the United States  arbitration provision and the Administrator�s rules or other  owed and any court costs, you agree to pay our reasonable 
                            Retail Installment Credit Agreement for details. Up to $37. This fee varies by state. See Paragraph 11.B of the                                                                                                                              ND, OH, SD, VA, WA,    State  AK, KY, LA, ME, NH,  Maximum Returned  $39.00  ME  MA  MO  minimum payment is $5.00 to  Lesser of 5% of amount pa Lesser of 10% of outstanding  $10.00 (except $5.00 if the    Notice to New Hampshire Residents: We will pay your   
                                                                          3. Your Regular Annual Percentage Rate: If Interest Charges  cycle, we will use the following Annual Percentage Rate (the  Then, we add up all the daily balances for the billing cycle and  Returned Payment Fees, and/or unpaid Interest Charges;  amount divided by the promotional period, which may  amount of the promotional balance will be included in your  us at the address shown on the front of the billing statement  your Account, or this Agreement. The term �Claim� is to be  335 Madison Avenue, New York, NY 10017, www.adr.org,  CA 92614, www.jamsadr.com, (949) 224-1810. request to us in writing, we will temporarily advance to you  MT, SC, TN, TX    Payment Fee  ME  MA  due or $10.00  balance or $10.00 
                                                                                                                                                                                                            resolved by arbitration on an individual (non-class, non-         AL, AR, HI, IA,  KS, MN,  $30.00                               attorney�s fees to the extent permitted by applicable law.  our salaried employee and we bring a suit against you to  owed and any court costs, you agree to pay our reasonable 
                              Up to $37. This fee varies by state. See Paragraph 11.A of the               average daily balance for a balance, we take the beginning 
                                                                          (which are FINANCE CHARGES) are assessed during a billing  �Regular APR�) and corresponding monthly periodic rate,  not add in any new transactions in MN and NM); subtract  customer account information and other con?dential  hearings for Claims by or against you will take place in the  $24.99) 
                                                                                                                                           the minimum purchase amount divided by the promotional  purchase divided by the promotional period, rounded up  speci?es a minimum purchase amount, in no case will the  provisions of this Agreement, this arbitration provision will  WI  ND, OH, SD, VA, WA,  Payment Fee  MO  due or $10.00
                                                                                                                                                                            using a check or similar instrument that will be processed                                                                                                balance or $10.00 minimum payment is $5.00 to  reasonable attorney�s fees if you prevail in a suit we bring 
         Penalty Fees  � Late Payment  Retail Installment Credit Agreement for details.                    divide the total by the number of days in the billing cycle. This  and make other adjustments. This gives us the daily balance.  shorten your repayment period in certain instances. The  regular balance for the purpose of calculating your minimum  8. Payments: All payments must be mailed or delivered to 
         � Returned Payment                                                                                                                                                 and accompanied by the payment slip. You must pay us in  (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine,  the ?ling, administrative, and hearing fees for the arbitration  AK, KY, LA, ME, NH,  $37.00  collect the amount you owe, in addition to the full amount 
                                                                                                                                                                                                            given the broadest possible meaning that will be enforced. 
                                                                                                           balance each day, add any new transactions (except we do                                         representative) basis. A Claim will be arbitrated if (1) both we  MT, SC, TN, TX                               Lesser of 10% of outstanding  $10.00 (except $5.00 if the  Notice to New Hampshire Residents: We will pay your  attorney�s fees to the extent permitted by applicable law. 
                            Up to $39. This fee varies by state. See Paragraph 11.A of the  Up to $37. This fee varies by state. See Paragraph 11.B of the  any payments or credits and any Late Payment Fees, any  period, which may shorten your repayment period in  to the nearest $5.00 increment. However, if the promotion  govern. The arbitrator will take reasonable steps to protect  information if requested to do so by you or us. Arbitration 
                                                                                                                                           minimum payment be less than the minimum purchase                                                 federal judicial district in which you reside. If you make a                  Greater of 5% of amount past  $24.99) 
                                                                                                                                                                            and honored by your bank. Do not send cash payments. We  B. We OR you have the right to require that each Claim be               MA 
                                                                                                                                                                                                                                                                        ND, OH, SD, VA, WA,  AL, AR, HI, KS, MN,  AZ, CO, IL, IN, MI, NV,  AK, KY, LA, ME, NH,  WI  $30.00  $25.00  $39.00  Lesser of 10% of outstanding  $10.00 (except $5.00 if the  against you or if you prevail in a suit you bring against us   
                                                                          cycle, we will use the following Annual Percentage Rate (the  subject to any promotional terms:                                                                    of your Claim against us (but not if the Claim is against you)  MO            balance or $10.00  minimum payment is $5.00 to  owed and any court costs, you agree to pay our reasonable 
         � Returned Payment   Retail Installment Credit Agreement for details.      We apply the  ANNUAL   gives us the average daily balance. Any negative daily balance  Then, we add up all the daily balances for the billing cycle and  State  Maximum Late Payment Fee   minimum payment will never be more than the remaining  payment. us at the address shown on the front of the billing statement  U.S. dollars drawn on funds on deposit in the United States  �Administrator� means the American Arbitration Association,  CA 92614, www.jamsadr.com, (949) 224-1810.
                                                                                                           not add in any new transactions in MN and NM); subtract                                          and you or (2) only one or the other of we or you, exercise the                                                                  Notice to New Hampshire Residents: We will pay your 
                                                                                                                                                                                                                                             customer account information and other con?dential  hearings for Claims by or against you will take place in the 
                                                                                                           Returned Payment Fees, and/or unpaid Interest Charges;  speci?es a minimum purchase amount, in no case will the  amount divided by the promotional period, which may  request to us in writing, we will temporarily advance to you    MA 
                                                                           If you reside in                                                certain instances.  The minimum payment will never be  can accept late or partial payments, as well as payments that  resolved by arbitration on an individual (non-class, non- WI  MT, SC, TN, TX    NC, OK, RI, WV  ND, OH, SD, VA, WA,  NE  due or $5.00 (but not to exceed  reasonable attorney�s fees if you prevail in a suit we bring 
         � Late Payment                                                   �Regular APR�) and corresponding monthly periodic rate,                                                                                                            in excess of any ?ling fee you would have been required to  AL, AR, HI, IA,  KS, MN,  $30.00  $24.99)  balance or $10.00 Greater of 5% of amount past  under this Agreement. If you successfully assert a partial 
                            Retail Installment Credit Agreement for details. Retail Installment Credit Agreement for details. Up to $37. This fee varies by state. See Paragraph 11.A of the  monthly  PERCENTAGE   will be treated as zero. If Interest Charges are imposed and  divide the total by the number of days in the billing cycle. This  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  promotional purchase balance. If the promotion states that  and accompanied by the payment slip. You must pay us in  MO  minimum payment is $5.00 to 
                                                                                                                                                                            using a check or similar instrument that will be processed                                                                                                       attorney�s fees to the extent permitted by applicable law. 
                                                                                                                                                                                                            120 Broadway, Floor 21, New York, NY 10271, www.adr.org,                                                       $10.00 (except $5.00 if the 
                                                                                                           any payments or credits and any Late Payment Fees, any                                           right to require that the Claim be arbitrated. If, for example,   AZ, CO, IL, IN, MI, NV,  $25.00              $39.00)           against you or if you prevail in a suit you bring against us  reasonable attorney�s fees if you prevail in a suit we bring 
                                                                           the state of:                   and make other adjustments. This gives us the daily balance.  minimum payment be less than the minimum purchase                   federal judicial district in which you reside. If you make a 
         � Returned Payment                                               subject to any promotional terms:                                more than the remaining promotional purchase balance.  If  shorten your repayment period in certain instances. The  8. Payments: All payments must be mailed or delivered to  re?ect �paid in full� or other restrictive endorsements, without  B. We OR you have the right to require that each Claim be  information if requested to do so by you or us. Arbitration  the ?ling, administrative, and hearing fees for the arbitration 
                                                                                                                                                                                                            representative) basis. A Claim will be arbitrated if (1) both we  pay to ?le the Claim in a state or federal court (whichever is  AL, AR, HI, KS, MN,  CA, MD, MO  WI  MT, SC, TN, TX    $30.00  $15.00  MO  NE  minimum payment is $5.00 to  Greater of 5% of amount past  $10.00 (except $5.00 if the  $24.99)  due or $5.00 (but not to exceed  defense or counterclaim, the court may withhold part or 
                                                                                                           the total Interest that results from application of the above  gives us the average daily balance. Any negative daily balance  there is no separate promotional minimum payment, then  U.S. dollars drawn on funds on deposit in the United States  and honored by your bank. Do not send cash payments. We  Notice to New Hampshire Residents: We will pay your 
                                                                                                                                                                                                            (800) 778-7879; or JAMS, 18881 Von Karman Ave., Suite  we exercise our right to require that the Claim be resolved by  AZ, CO, IL, IN, MI, NV,      NC, OK, RI, WV 
                                                                                                                                                                                                                                             request to us in writing, we will temporarily advance to you  $25.00          $10.00 (except $5.00 if the  under this Agreement. If you successfully assert a partial  against you or if you prevail in a suit you bring against us 
         
                                                                                    We apply the  periodic rate of:   MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99 
                            Retail Installment Credit Agreement for details.                   ANNUAL  RATE  Returned Payment Fees, and/or unpaid Interest Charges;  Then, we add up all the daily balances for the billing cycle and  State  Maximum Late Payment Fee   the promotion states that there is no separate promotional  amount divided by the promotional period, which may  of your Claim against us (but not if the Claim is against you) 
                                                                                                                                           minimum payment will never be more than the remaining  losing any of our rights under this Agreement. We credit your  resolved by arbitration on an individual (non-class, non- hearings for Claims by or against you will take place in the 
        How We Will Calculate Your Balance: We use a method called �average daily balance (including new                                                                    us at the address shown on the front of the billing statement  and you or (2) only one or the other of we or you, exercise the  MT, SC, TN, TX   
                                                                                                                                                                                                                                             less) in the judicial district in which you reside. At the end of  NC, OK, RI, WV  AL, AR, HI, IA, 
                                                                                                                                                                                                                                                                         CT, ID, IA, NJ, NY, UT  $20.00  KS, MN,  $30.00  NE  MO  $24.99)  due or $5.00 (but not to exceed  minimum payment is $5.00 to  $37.00)  all of any attorney�s fees to which we may be entitled.
                            Up to $37. This fee varies by state. See Paragraph 11.A of the  If you reside in   calculation to each balance is less than $1.00, we will impose  will be treated as zero. If Interest Charges are imposed and  OH, OR, PA, SD, WI  or less)  the amount of the promotional balance will be included in  using a check or similar instrument that will be processed  can accept late or partial payments, as well as payments that  350, Irvine, CA 92612, www.jamsadr.com, (949) 224-1810. arbitration but you do not also exercise your right to require  federal judicial district in which you reside. If you make a  the ?ling, administrative, and hearing fees for the arbitration  in excess of any ?ling fee you would have been required to  AZ, CO, IL, IN, MI, NV,  $25.00  NC  outstanding balance is under  Greater of 5% of amount past  defense or counterclaim, the court may withhold part or  reasonable attorney�s fees if you prevail in a suit we bring  under this Agreement. If you successfully assert a partial 
        How We Will Calculate Your Balance: We use a method called �average daily balance (including new   � Returned Payment monthly  PERCENTAGE   and make other adjustments. This gives us the daily balance.  divide the total by the number of days in the billing cycle. This  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  minimum payment, then the amount of the promotional  shorten your repayment period in certain instances. The  promotional purchase balance. If the promotion states that  and accompanied by the payment slip or otherwise made in  payments in accordance with our payment instructions on the  representative) basis. A Claim will be arbitrated if (1) both we  right to require that the Claim be arbitrated. If, for example,  MT, SC, TN, TX    CA, MD, MO  $15.00  Greater of 5% of amount past  $39.00)  $24.99)  $10.00 (except $5.00 if the   balance is under 
        purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new                                                                                                                             the arbitration, the arbitrator will decide if you have to repay 
                                                                           the state of:   1.75% to $750.00   21%  a minimum Interest Charge of $1.00 (which is a FINANCE  the total Interest that results from application of the above  your regular balance for the purpose of calculating your  and honored by your bank. Do not send cash payments. We  re?ect �paid in full� or other restrictive endorsements, without  against you or if you prevail in a suit you bring against us 
                                                                                                           Then, we add up all the daily balances for the billing cycle and  State  Maximum Late Payment Fee   that the Claim be arbitrated, the Claim will be resolved by  request to us in writing, we will temporarily advance to you  of your Claim against us (but not if the Claim is against you)  AZ, CO, IL, IN, MI, NV, 
                                                                                                                                                                                                                                                                         CA, MD, MO  FL  $25.00 
                                                                                                                                                                                                                                             pay to ?le the Claim in a state or federal court (whichever is  $15.00  Greater of 5% of amount of  NE  $100.00)  due or $5.00 (but not to exceed  defense or counterclaim, the court may withhold part or 
                                                                                                                                                                                                                                                                              NC, OK, RI, WV                                                 all of any attorney�s fees to which we may be entitled. 14. Down Payments, Limiting Your Credit, or Closing 
                                                                                    We apply the 
        purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new  Retail Installment Credit Agreement for details. AL  periodic rate of:   ANNUAL  RATE  gives us the average daily balance. Any negative daily balance  MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99  5% of amount past due but not  balance will be included in your regular balance for the  minimum payment will never be more than the remaining  there is no separate promotional minimum payment, then  accordance with the instructions on the billing statement.  billing statement. B. We OR you have the right to require that each Claim be  and you or (2) only one or the other of we or you, exercise the  we exercise our right to require that the Claim be resolved by  the advance (and if you do have to repay, you agree to do  NC, OK, RI, WV  CT, ID, NJ, NY, UT  payment or $25.00 (max  $20.00  NE 
                                                                                                                                                                            can accept late or partial payments, as well as payments that                                                                             NC   due or $5.00 (but not to exceed  $10.00 (except $5.00 if the 
                                                                           If you reside in                CHARGE); except in MI, MO, NY, TN, and TX, where we will  calculation to each balance is less than $1.00, we will impose  minimum payment. losing any of our rights under this Agreement. We credit your  arbitration. If neither we nor you request arbitration, the Claim  in excess of any ?ling fee you would have been required to  less) in the judicial district in which you reside. At the end of  The greater of 5% of the unpaid  Greater of 5% of amount past  outstanding under this Agreement. If you successfully assert a partial  all of any attorney�s fees to which we may be entitled.
        How We Will Calculate Your Balance: We use a method called �average daily balance (including new  purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details.                                                                                                                                     $37.00)  Your Account: You have the right to close your Account 
                                                                                    monthly  1.5% over $750.00  PERCENTAGE   18%  divide the total by the number of days in the billing cycle. This  will be treated as zero. If Interest Charges are imposed and  AK, AR, CT, HI, LA, MD, MI,  OH, OR, PA, SD, WI  AL  $37.00 (except $29.00 if the  or less)  more than $37.00 and not less  purpose of calculating your minimum payment. promotional purchase balance. If the promotion states that  the amount of the promotional balance will be included in  You must pay us in U.S. dollars drawn on funds on deposit  resolved by arbitration on an individual (non-class, non- right to require that the Claim be arbitrated. If, for example,  the ?ling, administrative, and hearing fees for the arbitration  AZ, CO, IL, IN, MI, NV, 
                                                                                                                                                                                                            arbitration but you do not also exercise your right to require  CT, ID, IA, NJ, NY, UT  $20.00  $25.00 
                                                                                                                                                                                                                                             so). Unless applicable law requires otherwise, we will pay  $37.00)  NC       $39.00)  outstanding balance is under  $100.00)  14. Down Payments, Limiting Your Credit, or Closing  defense or counterclaim, the court may withhold part or 
        purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details. the state of:   impose a minimum Interest Charge of $0.70 (which is a  a minimum Interest Charge of $1.00 (which is a FINANCE  re?ect �paid in full� or other restrictive endorsements, without  payments in accordance with our payment instructions on the  9. Legal Notices: All notices, including notices relating to 
                                                                                                           gives us the average daily balance. Any negative daily balance                                   will not be resolved by arbitration and instead will be litigated  pay to ?le the Claim in a state or federal court (whichever is  CA, MD, MO  CA, MD, MO  $15.00 
                                                                                                                                                                                                                                             the arbitration, the arbitrator will decide if you have to repay  FL  Greater of 5% of amount of  NE  due or $5.00 (but not to exceed 
        purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new  the total Interest that results from application of the above  there is no separate promotional minimum payment, then  we exercise our right to require that the Claim be resolved by  of your Claim against us (but not if the Claim is against you)  FL  NC, OK, RI, WV  $15.00  OK  amount of the installment or  $10.00 (except $5.00 if the   balance is under  at any time, for any reason. You will still be liable for any 
                                                                                    periodic rate of:   RATE      MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99  than $18.00  your regular balance for the purpose of calculating your  Reduced Rate Plans. If any single purchase is designated as  in the United States using a check, electronic authorization  representative) basis. A Claim will be arbitrated if (1) both we  that the Claim be arbitrated, the Claim will be resolved by  our, and you will pay your, lawyers�, experts�, and witnesses�  GA  Greater of 5% of amount of  Greater of 5% of amount of  $10.00 (except $5.00 if the  $100.00) 
        Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is  1.75% to $750.00   21%                                                                                                                                                                                                       14. Down Payments, Limiting Your Credit, or Closing 
        How We Will Calculate Your Balance: We use a method called �average daily balance (including new  AL  AR  1.4167%  17%  FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  CHARGE); except in MI, MO, NY, TN, and TX, where we will  5% of amount past due but not  Reduced Rate Plans. If any single purchase is designated as  losing any of our rights under this Agreement. We credit your  billing statement. legal actions, bankruptcy notices, and any notice to us that  less) in the judicial district in which you reside. At the end of  CT, ID, NJ, NY, UT  $20.00  payment or $25.00 (max  $25.00 (not to exceed $39.00)  Your Account: You have the right to close your Account  all of any attorney�s fees to which we may be entitled.
                                                                                                           will be treated as zero. If Interest Charges are imposed and                                     in court. We will not elect arbitration for any Claim you ?le                                             NC              $37.00)  outstanding The greater of 5% of the unpaid  balances owed. We may limit or terminate the use of your 
        purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details.            calculation to each balance is less than $1.00, we will impose  OH, OR, PA, SD, WI  or less)  the amount of the promotional balance will be included in  in excess of any ?ling fee you would have been required to  the advance (and if you do have to repay, you agree to do 
                                                                                                                                           minimum payment.                                                                                                             CT, ID, IA, NJ, NY, UT  $20.00 
                                                                                                                                           purchased under a reduced rate plan, we will calculate the  or similar instrument that will be processed and honored by  and you or (2) only one or the other of we or you, exercise the  arbitration but you do not also exercise your right to require  arbitration. If neither we nor you request arbitration, the Claim  payment or $25.00 (max 
                                                                                                                                                                                                                                             fees. The arbitrator will apply applicable substantive law      NC            outstanding balance is under 
                                                                                                                                                                                                                                                                              CA, MD, MO   $15.00                          The greater of 5% of the unpaid 
        Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is                                                                                                                                                                                               RI            $12.00            at any time, for any reason. You will still be liable for any  Your Account: You have the right to close your Account 
        provided in your Retail Installment Credit Agreement.                       1.5% over $750.00  18%  MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  impose a minimum Interest Charge of $0.70 (which is a  AL  more than $37.00 and not less  $10.00 (except $5.00 if the  purchased under a reduced rate plan, we will calculate the  payments in accordance with our payment instructions on the  you are represented by counsel in connection with your debt  the arbitration, the arbitrator will decide if you have to repay  $39.00)  OK  $10.00 (except $5.00 if the  amount of the installment or   balance is under  37.00) 
        purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new  the total Interest that results from application of the above                             in small claims court, so long as the Claim is individual and  pay to ?le the Claim in a state or federal court (whichever is  so). Unless applicable law requires otherwise, we will pay 
                                                                           CO, GA,                         a minimum Interest Charge of $1.00 (which is a FINANCE  your regular balance for the purpose of calculating your  Interest for the promotional balance by using an APR that  your bank.  Do not send cash payments.  We can accept late  9. Legal Notices: All notices, including notices relating to  right to require that the Claim be arbitrated. If, for example,  that the Claim be arbitrated, the Claim will be resolved by  will not be resolved by arbitration and instead will be litigated  FL  FL  Greater of 5% of amount of  $37.00)  $37.00)  Greater of 5% of amount of  OK  $100.00)  amount of the installment or  $100.00)  Account and/or raise or lower your credit limit at any 
                                                                                    1.75% to $750.00   21%                                                                                                                                   consistent with the FAA and applicable statutes of limitations,                                 14. Down Payments, Limiting Your Credit, or Closing 
                                                                                                                                                                                                                                                                                                                           5% of amount past due, but not  balances owed. We may limit or terminate the use of your  at any time, for any reason. You will still be liable for any 
        provided in your Retail Installment Credit Agreement.                                              a minimum Interest Charge of $0.50 (which is a FINANCE  FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  AZ, KS  5% of amount past due but not  than $18.00  minimum payment is $5.00 to 
        Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is                             Interest for the promotional balance by using an APR that  Reduced Rate Plans. If any single purchase is designated as  billing statement.
                                                                           AL                                                                                               to us, must be sent to us at Genesis FS Card Services, P.O. Box 
                                                                                                           calculation to each balance is less than $1.00, we will impose                                   pending only in that court. The arbitrator�s authority to resolve  the advance (and if you do have to repay, you agree to do  our, and you will pay your, lawyers�, experts�, and witnesses�  GA  CT, ID, NJ, NY, UT  GA  Greater of 5% of amount of  $20.00  Greater of 5% of amount of  NC  outstanding $24.50 (not to exceed $ time and for any reason without advance notice to you. 
        purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details. AR  MS, OK, TN,  1.4167%  1.75%  17%  21%  CHARGE); except in MI, MO, NY, TN, and TX, where we will  minimum payment.                        less) in the judicial district in which you reside. At the end of  payment or $25.00 (max  $25.00 (not to exceed $39.00) 
                                                                                    1.5% over $750.00  18%                                 is less than your Regular APR (the �Promotional APR�), in  or partial payments, as well as payments that re?ect �paid in  legal actions, bankruptcy notices, and any notice to us that  we exercise our right to require that the Claim be resolved by  arbitration. If neither we nor you request arbitration, the Claim  in court. We will not elect arbitration for any Claim you ?le  will honor claims of privilege recognized at law, and will have  OR  $35.00  payment or $25.00 (max  The greater of 5% of the unpaid  The greater of 5% of the unpaid 
                                                                                                                                                                                                                                                                                                             SC            more than $18.50 and not less  Your Account: You have the right to close your Account  balances owed. We may limit or terminate the use of your 
                                                                                                           CHARGE). Furthermore, there is no minimum Interest Charge  MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  AL  more than $37.00 and not less  $25.00)  is less than your Regular APR (the �Promotional APR�), in  purchased under a reduced rate plan, we will calculate the  4485, Beaverton, OR 97076-4485. If these notices are sent to  Claims is limited to Claims between you and us alone, and  the arbitration, the arbitrator will decide if you have to repay  so). Unless applicable law requires otherwise, we will pay  fees. The arbitrator will apply applicable substantive law  $37.00)  payment or $30.00 (max 
        KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT                                                  $10.00 (except $5.00 if the                                                                                                                                                         RI              $100.00)  $12.00  Account and/or raise or lower your credit limit at any  On some transactions, we may require a down payment. 
        provided in your Retail Installment Credit Agreement.                                                                                                                                                                                                                                                                                     37.00)   but not 
                                                                           TX, VT, WY                      a minimum Interest Charge of $1.00 (which is a FINANCE  impose a minimum Interest Charge of $0.70 (which is a  lieu of the Regular APR during the speci?ed promotional  9. Legal Notices: All notices, including notices relating to  you are represented by counsel in connection with your debt  FL  Greater of 5% of amount of  RI  $12.00 
                                                                                                                                                                            full� or other restrictive endorsements, without losing any of  arbitration but you do not also exercise your right to require  will not be resolved by arbitration and instead will be litigated  in small claims court, so long as the Claim is individual and  OK  amount of the installment or 
                                                                                                                                           Reduced Rate Plans. If any single purchase is designated as                                       the power to award to a party any damages or other relief  DC, DE, MA, MS, NE,  None  $39.00)  OK  than $7.40   amount of the installment or  at any time, for any reason. You will still be liable for any  Account and/or raise or lower your credit limit at any 
        Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is  CO, GA,   in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us  a minimum Interest Charge of $0.50 (which is a FINANCE  CA, CO, DC, IA  than $18.00  $15.00  lieu of the Regular APR during the speci?ed promotional  Interest for the promotional balance by using an APR that  any other address, it will not satisfy any notice requirement  time and for any reason without advance notice to you. 
        KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT                                                                                                                            the arbitrator�s authority to make awards or decisions is  the advance (and if you do have to repay, you agree to do  our, and you will pay your, lawyers�, experts�, and witnesses�  consistent with the FAA and applicable statutes of limitations,  GA  Greater of 5% of amount of  $37.00)  $39.00) 
                                                                                                                                                                                                                                                                                           payment or $25.00 (max          $25.00 (not to exceed $39.00)  5% of amount past due, 18.00 and not less  Some purchases will require our prior authorization, in 
                                                                           AR       1.4167%    17%         CHARGE); except in MI, MO, NY, TN, and TX, where we will  FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  AZ, KS  minimum payment is $5.00 to  period (which may be 6 months, 12 months, or some other  our rights under this Agreement.  We credit your payments  legal actions, bankruptcy notices, and any notice to us that  to us, must be sent to us at Genesis FS Card Services, P.O. Box  that the Claim be arbitrated, the Claim will be resolved by  in court. We will not elect arbitration for any Claim you ?le  pending only in that court. The arbitrator�s authority to resolve  provided for under applicable law. The arbitrator will make  NM, PA, VT, WY  GA  Greater of 5% of amount of  5% of amount past due, but not  The greater of 5% of the unpaid  $24.50 (not to exceed $ balances owed. We may limit or terminate the use of your  time and for any reason without advance notice to you. 
                                                                           MS, OK, TN,  DC, MD  1.75%  2.0%  21%  24% 
        In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer  to round any calculation used to determine Interest Charges,  CHARGE). Furthermore, there is no minimum Interest Charge  period (which may be 6 months, 12 months, or some other  purchased under a reduced rate plan, we will calculate the 
                                                                                                                                  $10.00 (except $5.00 if the  is less than your Regular APR (the �Promotional APR�), in                                                 OR          $35.00                                Greater of 5% of amount past  On some transactions, we may require a down payment. 
        provided in your Retail Installment Credit Agreement.                                              impose a minimum Interest Charge of $0.70 (which is a  DE, NM, TN, VT  None  under this Agreement or any other legal requirement that you  limited to you and us alone. Furthermore, Claims between  so). Unless applicable law requires otherwise, we will pay  fees. The arbitrator will apply applicable substantive law  will honor claims of privilege recognized at law, and will have  OR  $39.00)  $35.00 
                                                                                                                                                                                                                                                                                           payment or $30.00 (max  RI  SC  OK  SC  $12.00  more than $18.50 and not less  amount of the installment or  more than $    which case you may be asked to provide identi?cation. 
                                                                                                           MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  $25.00)  period speci?ed by us). The Promotional APR will return to  in accordance with our payment instructions on the billing  you are represented by counsel in connection with your debt  37.00) 
        KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT                                                                                            4485, Beaverton, OR 97076-4485. If these notices are sent to  arbitration. If neither we nor you request arbitration, the Claim  in small claims court, so long as the Claim is individual and  Claims is limited to Claims between you and us alone, and  any award in writing and, if requested by you or us, will  $37.00)  UT  RI  due or $30.00 (but not to  $12.00  Some purchases will require our prior authorization, in  Account and/or raise or lower your credit limit at any  On some transactions, we may require a down payment.   but not 
        In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer  to any person who signs the Application for this Account or this Agreement, or has requested and is issued a Kay Jewelers and Kay  CO, GA,   TX, VT, WY  in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us  period speci?ed by us). The Promotional APR will return to  Interest for the promotional balance by using an APR that  lieu of the Regular APR during the speci?ed promotional  consistent with the FAA and applicable statutes of limitations,  DC, DE, MA, MS, NE,  None 
                                                                           HI, MA, MN, NC  1.5%  18%       including rounding that may cause minor variations in our        provide notice to us.           you and us may not be joined or consolidated in arbitration  our, and you will pay your, lawyers�, experts�, and witnesses�  the power to award to a party any damages or other relief  than $7.40   If our authorization system is not working, we may 
                                                                                                           FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  a minimum Interest Charge of $0.50 (which is a FINANCE  AZ, KS  CA, CO, DC, IA  FL, MT, NJ, TX  minimum payment is $5.00 to  $15.00  $10.00  your Regular APR at the expiration of the promotional period  statement. to us, must be sent to us at Genesis FS Card Services, P.O. Box  any other address, it will not satisfy any notice requirement  DC, DE, MA, MS, NE, 
                                                                                                                                                                                                            will not be resolved by arbitration and instead will be litigated  pending only in that court. The arbitrator�s authority to resolve  the arbitrator�s authority to make awards or decisions is  provide a brief statement of the reasons for the award. GA  Greater of 5% of amount of  $39.00)  None  5% of amount past due, but not  exceed $39.00)  $24.50 (not to exceed $ than $7.20
                                                                                                                                                                                                                                                                                                                                      5% of amount past due, 18.00 and not less  time and for any reason without advance notice to you.  Some purchases will require our prior authorization, in 
        to any person who signs the Application for this Account or this Agreement, or has requested and is issued a Kay Jewelers and Kay  Jewelers Outlet credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O.  MS, OK, TN,  1.75%  21%  favor. The applicable monthly periodic rate for a balance is  to round any calculation used to determine Interest Charges,  your Regular APR at the expiration of the promotional period  is less than your Regular APR (the �Promotional APR�), in  period (which may be 6 months, 12 months, or some other  with Claims brought by or against someone other than you,  fees. The arbitrator will apply applicable substantive law  will honor claims of privilege recognized at law, and will have  OR  NM, PA, VT, WY  $35.00  which case you may be asked to provide identi?cation. 
                                                                           DC, MD   2.0%       24% 
        In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer  MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  CHARGE). Furthermore, there is no minimum Interest Charge  GA  $25.00)  provided for under applicable law. The arbitrator will make  SC  more than $18.50 and not less  not be able to authorize a transaction, even if you have 
        KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT                                                                                            4485, Beaverton, OR 97076-4485. If these notices are sent to                                                                                   Greater of 5% of amount past 
                                                                                                                  DE, NM, TN, VT  None  $25.00  or if we do not receive a required minimum payment within  under this Agreement or any other legal requirement that you  10. Arbitration for Disputes � No Jury Trials or Class  in court. We will not elect arbitration for any Claim you ?le  Claims is limited to Claims between you and us alone, and  OR  NM, PA, VT, WY 
                                                                                                                                                                                                            limited to you and us alone. Furthermore, Claims between                       payment or $30.00 (max  $35.00  RI  SC  5% of amount of installment (but  $12.00  more than $ Greater of 5% of amount past     On some transactions, we may require a down payment.   but not 
        Jewelers Outlet credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O.  Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or  TX, VT, WY  IN, MI, NY, OH, WV  2.0825%  24.99%                     which case you may be asked to provide identi?cation. 
                                                                                                           the applicable Annual Percentage Rate divided by twelve (12),  including rounding that may cause minor variations in our  or if we do not receive a required minimum payment within  lieu of the Regular APR during the speci?ed promotional  period speci?ed by us). The Promotional APR will return to  9. Legal Notices: All notices, including notices relating to  unless otherwise agreed to in writing by all parties. However,  consistent with the FAA and applicable statutes of limitations,  the power to award to a party any damages or other relief  any award in writing and, if requested by you or us, will  E. Judgment upon the arbitrator�s award may be entered in  DC, DE, MA, MS, NE,  None  UT  VA  than $7.40   due or $30.00 (but not to  If our authorization system is not working, we may  suf?cient available credit. We will not be liable to you if 
        to any person who signs the Application for this Account or this Agreement, or has requested and is issued a Kay Jewelers and Kay  a minimum Interest Charge of $0.50 (which is a FINANCE  in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us 
                                                                           HI, MA, MN, NC  1.5%  18%              CA, CO, DC, IA  $15.00   60 days of its due date. See Paragraph 3 for details. Unless  any other address, it will not satisfy any notice requirement  provide notice to us. Actions: This paragraph describes how all Claims (as de?ned  in small claims court, so long as the Claim is individual and  the arbitrator�s authority to make awards or decisions is  you and us may not be joined or consolidated in arbitration  $39.00) 
                                                                                                                                  Greater of 5% of amount past                                                                                                                             None                            not to exceed $39.00) 
                                                                                                                                           period (which may be 6 months, 12 months, or some other                                                                      NM, PA, VT, WY  DC, DE, MA, MS, NE,           UT              5% of amount past due, than $7.20 due or $30.00 (but not to  .00)  18.00 and not less  Some purchases will require our prior authorization, in  If our authorization system is not working, we may 
        Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or  any amount due on your Account may be assigned. �Account� means your Kay Jewelers and Kay Jewelers Outlet Account, which  FL, MT, NJ, TX  $10.00 
                                                                           DC, MD   2.0%  1.75% to $499.99  24%  and rounded to the fourth decimal place. favor. The applicable monthly periodic rate for a balance is  60 days of its due date. See Paragraph 3 for details. Unless  your Regular APR at the expiration of the promotional period  legal actions, bankruptcy notices, and any notice to us that  applicants, co-applicants, authorized users on a single  will honor claims of privilege recognized at law, and will have  provided for under applicable law. The arbitrator will make  provide a brief statement of the reasons for the award. any court with jurisdiction. The arbitrator�s decision regarding  We will add any Returned Payment Fee to your Account�s  Greater of 5% of amount past  exceed $39.00)  not be able to authorize a transaction, even if you have  this happens. We are not responsible for the refusal of 
        In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer  Jewelers Outlet credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O.  21%  CHARGE). Furthermore, there is no minimum Interest Charge  to round any calculation used to determine Interest Charges,  DE, NM, TN, VT  None  the promotion states that there is no separate promotional  under this Agreement or any other legal requirement that you  in subparagraph A below) will be arbitrated, at the election of  pending only in that court. The arbitrator�s authority to resolve  limited to you and us alone. Furthermore, Claims between  with Claims brought by or against someone other than you,  OR  $35.00  SC  $39.00 (except 10% of the  more than $ exceed $37    which case you may be asked to provide identi?cation.  not be able to authorize a transaction, even if you have 
        any amount due on your Account may be assigned. �Account� means your Kay Jewelers and Kay Jewelers Outlet Account, which  will be governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has apparent  NE  period speci?ed by us). The Promotional APR will return to  NM, PA, VT, WY  Greater of 5% of amount past  suf?cient available credit. We will not be liable to you if 
                                                                           IN, MI, NY, OH, WV  2.0825%  1.5% for $500.00 and  24.99%  the applicable Annual Percentage Rate divided by twelve (12),  GA  ID  $25.00  due or $15.00 (but not to  the promotion states that there is no separate promotional  or if we do not receive a required minimum payment within  you are represented by counsel in connection with your debt  10. Arbitration for Disputes � No Jury Trials or Class  Account, or corporate af?liates are considered one person  the power to award to a party any damages or other relief  any award in writing and, if requested by you or us, will  any claims will be ?nal and binding, except for any appeal  regular balance. UT  due or $30.00 (but not to  5% of amount of installment (but  anyone to accept or honor a Card associated with this 
        to any person who signs the Application for this Account or this Agreement, or has requested and is issued a Kay Jewelers and Kay  Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or  in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us 
                                                                           HI, MA, MN, NC  1.5%  18%  18%  6. Minimum Payment: You agree to pay at least the  including rounding that may cause minor variations in our  minimum payment, the required minimum payment for  provide notice to us. you or us, on an individual (non-class, non-representative)  Claims is limited to Claims between you and us alone, and  you and us may not be joined or consolidated in arbitration  unless otherwise agreed to in writing by all parties. However,  E. Judgment upon the arbitrator�s award may be entered in  DC, DE, MA, MS, NE,  None  VA  average daily balance for prior  than $7.20 5% of amount of installment (but  .00)  this happens. We are not responsible for the refusal of  If our authorization system is not working, we may  suf?cient available credit. We will not be liable to you if  .00) 
        will be governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has apparent  authority to do so. �Card� means any access device or method by which the Account may be accessed, including the Account  and rounded to the fourth decimal place. FL, MT, NJ, TX  $10.00  exceed $37.00)  minimum payment, the required minimum payment for  your Regular APR at the expiration of the promotional period  60 days of its due date. See Paragraph 3 for details. Unless  to us, must be sent to us at Genesis FS Card Services, P.O. Box  Actions: This paragraph describes how all Claims (as de?ned  for the purposes of this paragraph. No arbitration award  provided for under applicable law. The arbitrator will make  provide a brief statement of the reasons for the award. right under FAA. The appealing party will pay the appeal costs.    UT  exceed $39.00) 
                                                                                                                                                                                                                                                                                                                      VA   not to exceed $39.00)  due or $30.00 (but not to  Account. All Cards we issue remain our property and, if 
        Jewelers Outlet credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O.  any amount due on your Account may be assigned. �Account� means your Kay Jewelers and Kay Jewelers Outlet Account, which  1.75% to $499.99  more  �Minimum Payment� shown on your billing statement on or  to round any calculation used to determine Interest Charges,  favor. The applicable monthly periodic rate for a balance is  Greater of 5% of amount past  the promotional balance will be the promotional balance  basis instead of litigated in court. If you are a �Covered  the arbitrator�s authority to make awards or decisions is  with Claims brought by or against someone other than you,  applicants, co-applicants, authorized users on a single  any court with jurisdiction. The arbitrator�s decision regarding  We will add any Returned Payment Fee to your Account�s  B. Late Payment Fee: If we do not receive your minimum  NM, PA, VT, WY    WA  30-day period, but not less than 
                                                                                                                                                                                                                                                                                                                                      not to exceed $37 not be able to authorize a transaction, even if you have  this happens. We are not responsible for the refusal of 
        authority to do so. �Card� means any access device or method by which the Account may be accessed, including the Account  number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are  IN, MI, NY, OH, WV  2.0825%  24.99%  21%  GA  $25.00  the promotional balance will be the promotional balance  or if we do not receive a required minimum payment within  the promotion states that there is no separate promotional  4485, Beaverton, OR 97076-4485. If these notices are sent to  10. Arbitration for Disputes � No Jury Trials or Class  in subparagraph A below) will be arbitrated, at the election of  any award in writing and, if requested by you or us, will  This agreement to arbitrate shall survive any suspension,  Buyer    Signature 5% of amount of installment (but  $39.00 (except 10% of the  Greater of 5% of amount past  exceed $37 anyone to accept or honor a Card associated with this 
        Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or  will be governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has apparent  NE  All other states   2.4992%  1.5% for $500.00 and  29.99%  before its due date. Your total Minimum Payment is the sum  including rounding that may cause minor variations in our  the applicable Annual Percentage Rate divided by twelve (12),  6. Minimum Payment: You agree to pay at least the  ID  due or $15.00 (but not to  Greater of 5% of amount past  will have any preclusive effect as to issues or claims in any  requested, you agree to return any Card issued to you. 
                                                                                                                                           divided by the number of months in the promotional period,  Borrower� as determined in accordance with the safe harbor  limited to you and us alone. Furthermore, Claims between  unless otherwise agreed to in writing by all parties. However,  Account, or corporate af?liates are considered one person  E. Judgment upon the arbitrator�s award may be entered in  any claims will be ?nal and binding, except for any appeal  regular balance. payment by its due date (or within seven (7) days in VA;  VA  $2.00, if the balance is less than 
        number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are  calculated pursuant to Paragraph 5. divided by the number of months in the promotional period,  60 days of its due date. See Paragraph 3 for details. Unless  minimum payment, the required minimum payment for  any other address, it will not satisfy any notice requirement  Actions: This paragraph describes how all Claims (as de?ned  you or us, on an individual (non-class, non-representative)  provide a brief statement of the reasons for the award. termination, revocation or closure of the Agreement or your  UT  not to exceed $39.00)  average daily balance for prior  due or $30.00 (but not to  $37.00 (except 10% of the  .00)   balance for prior  Account. All Cards we issue remain our property and, if  suf?cient available credit. We will not be liable to you if  anyone to accept or honor a Card associated with this 
                                                                                                                                                                                                            dispute involving anyone who is not a party to the arbitration.                                                $100.00)          We may, at our discretion, permit you to make a purchase  .00) 
        any amount due on your Account may be assigned. �Account� means your Kay Jewelers and Kay Jewelers Outlet Account, which  authority to do so. �Card� means any access device or method by which the Account may be accessed, including the Account  1.75% to $499.99  18% 
                                                                                    more                   of any minimum payment for your regular balance and for any  favor. The applicable monthly periodic rate for a balance is  and rounded to the fourth decimal place. �Minimum Payment� shown on your billing statement on or  IL, KY, WY  Greater of 5% of amount past  exceed $37.00)  due or $10.00 (but not to  5% of amount of installment (but 
                                                                                                                                           multiplied by a factor based on the applicable Reduced APR,  provisions in the Military Lending Act and its implementing  you and us may not be joined or consolidated in arbitration  applicants, co-applicants, authorized users on a single  for the purposes of this paragraph. No arbitration award  any court with jurisdiction. The arbitrator�s decision regarding  right under FAA. The appealing party will pay the appeal costs.  We will add any Returned Payment Fee to your Account�s  We will add any Returned Payment Fee to your Account�s  within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN,    VA  this happens. We are not responsible for the refusal of  Account. All Cards we issue remain our property and, if 
        calculated pursuant to Paragraph 5.                                                    21%                                         multiplied by a factor based on the applicable Reduced APR,  the promotion states that there is no separate promotional  the promotional balance will be the promotional balance  under this Agreement or any other legal requirement that you  in subparagraph A below) will be arbitrated, at the election of  basis instead of litigated in court. If you are a �Covered  Account, and any bankruptcy to the extent consistent with  B. Late Payment Fee: If we do not receive your minimum    WA  $39.00 (except 10% of the  30-day period, but not less than 
                                                                                                                                                                                                            This arbitration provision is made pursuant to a transaction                                                              exceed $37 average daily requested, you agree to return any Card issued to you.  in excess of your stated credit limit. If we do so, this will   less than 
        will be governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has apparent  number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are                                                                 5% of amount past due, but not  not to exceed $37
        1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under the  NE  1.5% for $500.00 and  promotional balance. The minimum payment for your regular  the applicable Annual Percentage Rate divided by twelve (12),  before its due date. Your total Minimum Payment is the sum  ID  due or $15.00 (but not to  exceed $37.00) 
                                                                                                                                  Greater of 5% of amount past  and rounded up to the nearest $5.00 increment or $30.00,  regulations, you are not required to submit to arbitration. with Claims brought by or against someone other than you,  Account, or corporate af?liates are considered one person  will have any preclusive effect as to issues or claims in any  E. Judgment upon the arbitrator�s award may be entered in  any claims will be ?nal and binding, except for any appeal  This agreement to arbitrate shall survive any suspension,  Buyer regular balance. regular balance. KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;       Signature anyone to accept or honor a Card associated with this  requested, you agree to return any Card issued to you. 
                                                                          Federal law provides important protections to members  Federal law provides important protections to members  All other states   2.4992%  18%  29.99%  6. Minimum Payment: You agree to pay at least the  and rounded up to the nearest $5.00 increment or $30.00,  minimum payment, the required minimum payment for  divided by the number of months in the promotional period,  provide notice to us. you or us, on an individual (non-class, non-representative)  Borrower� as determined in accordance with the safe harbor  applicable bankruptcy law. payment by its due date (or within seven (7) days in VA;                     WV  WA  average daily balance for prior  $2.00, if the balance is less than 
                                                                                                                                                                                                            involving interstate commerce and will be governed by the                                                      to exceed $30.00  5% of amount of installment (but  30-day period, but not We may, at our discretion, permit you to make a purchase  not permanently increase your credit limit. To request the  .00)   
        1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under the  authority to do so. �Card� means any access device or method by which the Account may be accessed, including the Account  calculated pursuant to Paragraph 5. terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions incurred by  more  balance will be the greater of 5% of the regular purchase  and rounded to the fourth decimal place. of any minimum payment for your regular balance and for any  exceed $37.00)  whichever is greater. For example, if the promotion has an  for the purposes of this paragraph. No arbitration award  any court with jurisdiction. The arbitrator�s decision regarding  right under FAA. The appealing party will pay the appeal costs.  termination, revocation or closure of the Agreement or your   Seller-Creditor  within ?fteen (15) days in CA, ME, and MA; within twenty-     $37.00 (except 10% of the   balance for prior  Account. All Cards we issue remain our property and, if 
                                                                          of the Armed Forces and their dependents relating to  of the Armed Forces and their dependents relating to  �Minimum Payment� shown on your billing statement on or  IL, KY, WY  IN  due or $10.00 (but not to  $18.50   unless otherwise agreed to in writing by all parties. However,  dispute involving anyone who is not a party to the arbitration. 
                                                                                                                                           whichever is greater. For example, if the promotion has an  the promotional balance will be the promotional balance  multiplied by a factor based on the applicable Reduced APR,  basis instead of litigated in court. If you are a �Covered  provisions in the Military Lending Act and its implementing  A. The term �Claim� means any claim, dispute, or controversy  Buyer
                                                                                                                                                                                                            Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.).          B. Late Payment Fee: If we do not receive your minimum  B. Late Payment Fee: If we do not receive your minimum  within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN,       Signature WA  VA  30-day period, but not less than  $100.00) 
                                                                                                                                                                                                                                                                                                                                      $2.00, if the balance is less than $100.00)  in excess of your stated credit limit. If we do so, this will  We may, at our discretion, permit you to make a purchase 
        terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions incurred by  number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are  anyone else you have authorized to use this Account. You are also responsible for the use of each Card issued on this Account.  balance(s), or $30. The minimum payment for your regular  promotional balance. The minimum payment for your regular  interest rate of 10.99% and the plan is for 24 months, the  10. Arbitration for Disputes � No Jury Trials or Class  applicants, co-applicants, authorized users on a single  will have any preclusive effect as to issues or claims in any  This arbitration provision is made pursuant to a transaction  any claims will be ?nal and binding, except for any appeal  This agreement to arbitrate shall survive any suspension,  Account, and any bankruptcy to the extent consistent with  Buyer    Signature not to exceed $37
                                                                                                                                                                                                                                             F. If any part of this arbitration provision cannot be enforced,  one (21) days in TX; within thirty (30) days in NC; and  $2.00, if the balance is less than  average daily names of our related brand jewelers, please call Customer 
                                                                                                                                                                                                                                                                                                                                             requested, you agree to return any Card issued to you.  in excess of your stated credit limit. If we do so, this will   less than 
        1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under the  extensions of consumer credit. In general, the cost of 
        calculated pursuant to Paragraph 5.                               extensions of consumer credit. In general, the cost of  All other states   2.4992%  29.99%  6. Minimum Payment: You agree to pay at least the  before its due date. Your total Minimum Payment is the sum  Greater of 5% of amount past  exceed $37.00)  Lesser of 5% of amount past  interest rate of 10.99% and the plan is for 24 months, the  divided by the number of months in the promotional period,  and rounded up to the nearest $5.00 increment or $30.00,  Borrower� as determined in accordance with the safe harbor  regulations, you are not required to submit to arbitration. between you and us arising from or relating to your Card,  payment by its due date (or within seven (7) days in VA;  payment by its due date (or within seven (7) days in VA;  KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;  5% of amount past due, but not  not permanently increase your credit limit. To request the 
        anyone else you have authorized to use this Account. You are also responsible for the use of each Card issued on this Account.  You may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have  Federal law provides important protections to members  balance will never exceed the regular balance. balance will be the greater of 5% of the regular purchase  ME  required minimum payment is determined as follows: 1/24th  Actions: This paragraph describes how all Claims (as de?ned  Account, or corporate af?liates are considered one person for  dispute involving anyone who is not a party to the arbitration.  involving interstate commerce and will be governed by the  C. If we or you request arbitration of a Claim, we and you  right under FAA. The appealing party will pay the appeal costs.  termination, revocation or closure of the Agreement or your  applicable bankruptcy law. the rest of the arbitration provision will continue to apply.  within forty (40) days in RI), we will impose a Late Payment                         WV  WA  $37.00 (except 10% of the  30-day period, but not 5% of amount past due, but not   balance for prior  Service at 1-866-875-0891.  
        terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions incurred by  consumer credit to a member of the Armed Forces and his  �Minimum Payment� shown on your billing statement on or  of any minimum payment for your regular balance and for any  IL, KY, WY  due or $10.00 (but not to  due or $10.00  required minimum payment is determined as follows: 1/24th  multiplied by a factor based on the applicable Reduced APR,  whichever is greater. For example, if the promotion has an  provisions in the Military Lending Act and its implementing   Seller-Creditor  within ten (10) days in AL, AZ, CO, DC, FL, GA, ID, IL, IN,  within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN,  We may, at our discretion, permit you to make a purchase 
                                                                                                                                                                                                                                                                             within ?fteen (15) days in CA, ME, and MA; within twenty-   WV  $100.00)  to exceed $30.00  not permanently increase your credit limit. To request the 
                                                                                                                  IN              $18.50                                                                                                                                                                     We will add any Late Payment Fee to your Account�s regular  to exceed $30.00  names of our related brand jewelers, please call Customer 
        You may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have  State  Maximum Returned                                                                                                                                                                                           less than 
                                                                          of the Armed Forces and their dependents relating to                                              in subparagraph A below) will be arbitrated, at the election of  A. The term �Claim� means any claim, dispute, or controversy  the purposes of this paragraph. No arbitration award will have  This arbitration provision is made pursuant to a transaction  Buyer
                                                                                                                                                                                                            Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.). This agreement to arbitrate shall survive any suspension,  Account, and any bankruptcy to the extent consistent with     Signature
                                                                                                                                                                                                                                                                                                                           5% of amount past due, but not  average daily $2.00, if the balance is less than $100.00)  in excess of your stated credit limit. If we do so, this will  names of our related brand jewelers, please call Customer 
        1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under the  anyone else you have authorized to use this Account. You are also responsible for the use of each Card issued on this Account.  or her dependent may not exceed an annual percentage rate  If your billing statement shows a promotional balance (such  before its due date. Your total Minimum Payment is the sum  promotional balance. The minimum payment for your regular  exceed $37.00)  of the purchase price (less any down payment) multiplied  and rounded up to the nearest $5.00 increment or $30.00,  interest rate of 10.99% and the plan is for 24 months, the  regulations, you are not required to submit to arbitration. F. If any part of this arbitration provision cannot be enforced,  KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;  KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;  one (21) days in TX; within thirty (30) days in NC; and                       balance. WV  Service at 1-866-875-0891.
                                                                          Federal law provides important protections to members  extensions of consumer credit. In general, the cost of  Payment Fee  Lesser of 5% of amount past  Lesser of 10% of outstanding                                             We will add any Late Payment Fee to your Account�s regular 
                                                                                                                                                                            between you and us arising from or relating to your Card,                                                                                                                  
                                                                                                                                                                                                            involving interstate commerce and will be governed by the  termination, revocation or closure of the Agreement or your  applicable bankruptcy law.     WA  to exceed $30.00  30-day period, but not 5% of amount past due, but not  not permanently increase your credit limit. To request the  Service at 1-866-875-0891.
        terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions incurred by  You may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have  of any minimum payment for your regular balance and for any  balance will be the greater of 5% of the regular purchase  IN  ME  MA  $18.50   whichever is greater. For example, if the promotion has an  required minimum payment is determined as follows: 1/24th  C. If we or you request arbitration of a Claim, we and you  the rest of the arbitration provision will continue to apply.   Seller-Creditor  Chris Klemann, Vice President Financial Services,   Seller-Creditor  within ?fteen (15) days in CA, ME, and MA; within twenty- within forty (40) days in RI), we will impose a Late Payment   
                                                                          of the Armed Forces and their dependents relating to    balance or $10.00                         A. The term �Claim� means any claim, dispute, or controversy                                    Buyer                Signature            WV              $100.00) 
                                                                           AK, KY, LA, ME, NH,  $37.00                            due or $10.00                                                             Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.).                                         We will add any Late Payment Fee to your Account�s regular  $2.00, if the balance is less than to exceed $30.00  names of our related brand jewelers, please call Customer 
        anyone else you have authorized to use this Account. You are also responsible for the use of each Card issued on this Account.  State  Maximum Returned  promotional balance. The minimum payment for your regular  interest rate of 10.99% and the plan is for 24 months, the  F. If any part of this arbitration provision cannot be enforced,  Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,  one (21) days in TX; within thirty (30) days in NC; and 
       418595_Genesis 60006_Kay new_Rev3.indd   1                         extensions of consumer credit. In general, the cost of  ND, OH, SD, VA, WA,  Lesser of 5% of amount past  $10.00 (except $5.00 if the  between you and us arising from or relating to your Card,                                        
                                                                                                                                  Lesser of 10% of outstanding                                                                                                                                              balance.                  5% of amount past due, but not  Service at 1-866-875-0891. 4/24/18   11:51 AM
        You may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have  Payment Fee  balance will be the greater of 5% of the regular purchase  ME  required minimum payment is determined as follows: 1/24th  C. If we or you request arbitration of a Claim, we and you  the rest of the arbitration provision will continue to apply.  within forty (40) days in RI), we will impose a Late Payment  P.O. Box 3680, Akron, OH 44309-3680   
                                                                                                                  MA              due or $10.00                                                                                                                             Chris Klemann, Vice President Financial Services,   Seller-Creditor  WV 
                                                                                                                                                                                                                                                                                                            We will add any Late Payment Fee to your Account�s regular  to exceed $30.00 
       94188_418595_Genesis 60006_Kay_r5.indd   1                          State  WI 
                                                                           AK, KY, LA, ME, NH,  Maximum Returned  $37.00  MO      balance or $10.00  minimum payment is $5.00 to 
                                                                                                                                                                                                                                                                        Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,                          7/11/19   2:38 PM
                                                                                                                                                                                                                                                                                                                 balance.
       418595_Genesis 60006_Kay new_Rev3.indd   1                          ND, OH, SD, VA, WA,  AL, AR, HI, KS, MN,  Payment Fee  $30.00  Lesser of 10% of outstanding 
                                                                                                                                  $10.00 (except $5.00 if the  $24.99)                                                                                                                                                                                              4/24/18   11:51 AM
                                                                                                                  MA                                                                                                                                                        Chris Klemann, Vice President Financial Services,   Seller-Creditor  P.O. Box 3680, Akron, OH 44309-3680 
                                                                                                                                                                                                                                                                                 Chris Klemann, Vice President Financial Services, 
                                                                           AK, KY, LA, ME, NH,  WI  MT, SC, TN, TX    $37.00      balance or $10.00 
                                                                                                                  MO              minimum payment is $5.00 to  Greater of 5% of amount past                                                                             Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
       418595_Genesis 60006_Kay new_Rev3.indd   1                                                                                                                                                                                                                            Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                           ND, OH, SD, VA, WA,                                                                                                                                                                                                                                                                      4/24/18   11:51 AM
                                                                           AL, AR, HI, KS, MN,  $30.00            NE              $10.00 (except $5.00 if the  $24.99)  due or $5.00 (but not to exceed                                                                       P.O. Box 3680, Akron, OH 44309-3680   
                                                                           AZ, CO, IL, IN, MI, NV,  $25.00                                                                                                                                                                          P.O. Box 3680, Akron, OH 44309-3680 
                                                                           WI  MT, SC, TN, TX                     MO              minimum payment is $5.00 to  $37.00)                                                                                                           Chris Klemann, Vice President Financial Services, 
                                                                           NC, OK, RI, WV                                         Greater of 5% of amount past 
                                                                           AL, AR, HI, KS, MN,  $30.00                            $24.99)                                                                                                                                    Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                                                                  NE              due or $5.00 (but not to exceed  $10.00 (except $5.00 if the 
                                                                                        $25.00                                                                                                                                                                                   Chris Klemann, Vice President Financial Services, 
                                                                           MT, SC, TN, TX    AZ, CO, IL, IN, MI, NV,                                                                                                                                                                P.O. Box 3680, Akron, OH 44309-3680 
                                                                           CA, MD, MO   $15.00                    NC              Greater of 5% of amount past  $37.00)  outstanding balance is under 
                                                                           NC, OK, RI, WV                                                                                                                                                                                    Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                           CT, ID, IA, NJ, NY, UT  $20.00         NE              due or $5.00 (but not to exceed  $100.00) 
                                                                           AZ, CO, IL, IN, MI, NV,  $25.00                        $10.00 (except $5.00 if the                                                                                                                       P.O. Box 3680, Akron, OH 44309-3680 
                                                                           NC, OK, RI, WV  CA, MD, MO  $15.00                     $37.00) 
                                                                           FL           Greater of 5% of amount of  NC            outstanding balance is under  The greater of 5% of the unpaid 
                                                                           CT, ID, IA, NJ, NY, UT  $20.00  payment or $25.00 (max  OK  $10.00 (except $5.00 if the  $100.00)  amount of the installment or 
                                                                           CA, MD, MO   $15.00 
                                                                                        $37.00)                   NC              outstanding balance is under 
                                                                                                                                  The greater of 5% of the unpaid  $24.50 (not to exceed $37.00) 
                                                                           FL           Greater of 5% of amount of 
                                                                           CT, ID, IA, NJ, NY, UT  GA  $20.00                     $100.00) 
                                                                                        payment or $25.00 (max  Greater of 5% of amount of  OK  RI  amount of the installment or  $12.00 
                                                                           FL           Greater of 5% of amount of  $37.00)  payment or $30.00 (max  The greater of 5% of the unpaid  $24.50 (not to exceed $37.00)  5% of amount past due, but not 
                                                                                        payment or $25.00 (max  $37.00)  OK  SC   amount of the installment or 
                                                                           GA           Greater of 5% of amount of  RI            $12.00  more than $18.00 and not less 
                                                                           OR           $37.00)  $35.00                           $24.50 (not to exceed $37.00) 
                                                                                        payment or $30.00 (max                    5% of amount past due, but not  than $7.20  
                                                                           GA  DC, DE, MA, MS, NE,  Greater of 5% of amount of  $37.00)  None  RI  $12.00 
                                                                                                                  SC              more than $18.00 and not less  Greater of 5% of amount past 
                                                                           OR  NM, PA, VT, WY  payment or $30.00 (max  $35.00  UT  5% of amount past due, but not  than $7.20   due or $30.00 (but not to 
                                                                                        $37.00)                   SC              more than $18.00 and not less 
                                                                           DC, DE, MA, MS, NE,  None                              Greater of 5% of amount past  exceed $37.00) 
                                                                           OR           $35.00                                    than $7.20  
                                                                           NM, PA, VT, WY                         UT              due or $30.00 (but not to  5% of amount of installment (but 
                                                                           DC, DE, MA, MS, NE,  None              VA 
                                                                                                                                  Greater of 5% of amount past  exceed $37.00)  not to exceed $37.00) 
                                                                           NM, PA, VT, WY                         UT              due or $30.00 (but not to 
                                                                                                                                  5% of amount of installment (but  $37.00 (except 10% of the 
                                                                                                                  VA              exceed $37.00) 
                                                                                                                                  not to exceed $37.00)  average daily balance for prior 
                                                                                                                  WA              5% of amount of installment (but  30-day period, but not less than 
                                                                                                                  VA              $37.00 (except 10% of the 
                                                                                                                                  not to exceed $37.00) 
                                                                                                                                  average daily balance for prior  $2.00, if the balance is less than 
                                                                          Buyer               Signature           WA              $37.00 (except 10% of the  30-day period, but not less than  $100.00) 
                                                                                                                                  average daily balance for prior  $2.00, if the balance is less than  5% of amount past due, but not 
                                                                                    
                                                                          Buyer               Signature           WA  WV          30-day period, but not less than  $100.00)  to exceed $30.00 
                                                                                                                                  $2.00, if the balance is less than 
                                                                          Seller-Creditor                                         5% of amount past due, but not 
                                                                          Buyer               Signature           WV              $100.00) 
                                                                                                                                  to exceed $30.00 
                                                                                                                                  5% of amount past due, but not 
                                                                                                           
                                                                          Seller-Creditor                         WV 
                                                                                                                                  to exceed $30.00 
                                                                                                             
                                                                          Seller-Creditor                  
                                                                               Chris Klemann, Vice President Financial Services, 
                                                                           Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,   
                                                                               Chris Klemann, Vice President Financial Services,  P.O. Box 3680, Akron, OH 44309-3680 
                                                                           Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                               Chris Klemann, Vice President Financial Services,  P.O. Box 3680, Akron, OH 44309-3680 
                                                                           Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                                 P.O. Box 3680, Akron, OH 44309-3680                                                                                                                 We apply the  ANNUAL     State       Maximum Late Payment Fee  
                                                                                                         If you reside in  
                                                                                                                monthly  PERCENTAGE      AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the 
                                                                                                         the state of:  
                                                                                                                periodic rate of:   RATE  MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99 
                                                                                                                                         OH, OR, PA, SD, WI  or less) 
                                                                                                                1.75% to $750.00   21% 
                                                                                                         AL                                          5% of amount past due but not 
                                                                                                                1.5% over $750.00  We apply the  18%  ANNUAL  AL  State  more than $37.00 and not less  Maximum Late Payment Fee  
                                                                                                         If you reside in  
                                                                                                                monthly  PERCENTAGE      AK, AR, CT, HI, LA, MD, MI,  than $18.00  $37.00 (except $29.00 if the 
                                                                                                         AR  the state of:   1.4167%  17% 
                                                                                                                periodic rate of:   RATE  MN, MS, NV, NH, NY, ND,  $10.00 (except $5.00 if the  outstanding balance is $249.99 
                                                                                                         CO, GA, IN,                     AZ, KS  OH, OR, PA, SD, WI  minimum payment is $5.00 to  or less) 
                                                                                                         MS, OK, TN,  1.75%  1.75% to $750.00   21%  21%  $25.00) 
                                                                                                         TX, VT, WY  AL                               5% of amount past due but not 
                                                                                                                1.5% over $750.00  18%   CA, CO, DC, IA  AL  $15.00  more than $37.00 and not less 
                                                                                                         DC, MD  2.0%    24%             DE, NM, TN, VT  None  than $18.00 
                                                                                                         AR     1.4167%  17% 
                                                                                                         HI, MA, MN, NC  1.5%  18%       FL, MT, NJ, TX  $10.00  $10.00 (except $5.00 if the 
                                                                                                         CO, GA, IN, 
                                                                                                         MI, NY, OH, WV  2.0825%  24.99%  GA  AZ, KS  $25.00  minimum payment is $5.00 to 
                                                                                                         MS, OK, TN,  1.75%  21% 
                                                                                                                                                     Greater of 5% of amount past  $25.00) 
                                                                                                         TX, VT, WY  1.75% to $499.99 
                                                                                                                         21% 
                                                                                                         NE     1.5% for $500.00 and     ID  CA, CO, DC, IA  due or $15.00 (but not to  $15.00 
                                                                                                         DC, MD  2.0%    18%  24% 
                                                                                                                more                     DE, NM, TN, VT  exceed $37.00)  None 
                                                                                                         HI, MA, MN, NC  1.5%  18%       FL, MT, NJ, TX 
                                                                                                         All other states   2.2491%  26.99%          Greater of 5% of amount past  $10.00 
                                                                                                         MI, NY, OH, WV  2.0825%  24.99%  IL, KY, WY  GA  due or $10.00 (but not to  $25.00 
                                                                                                                1.75% to $499.99                     exceed $37.00)  Greater of 5% of amount past 
                                                                                                                         21% 
                                                                                                         NE     1.5% for $500.00 and     IN  ID      $18.50   due or $15.00 (but not to 
                                                                                                                         18% 
                                                                                                                more                                 Lesser of 5% of amount past  exceed $37.00) 
                                                                                                                                         ME 
                                                                                                         All other states   2.2491%  State  Maximum Returned  26.99%  due or $10.00  Greater of 5% of amount past 
                                                                                                                   Payment Fee           IL, KY, WY  Lesser of 10% of outstanding  due or $10.00 (but not to 
                                                                                                                                         MA 
                                                                                                                                                     balance or $10.00  exceed $37.00) 
                                                                                                         AK, KY, LA, ME, NH,  $37.00 
                                                                                                         ND, OH, SD, VA, WA,             IN          $10.00 (except $5.00 if the  $18.50  
                                                                                                         WI                              MO          minimum payment is $5.00 to  Lesser of 5% of amount past 
                                                                                                                                         ME 
                                                                                                         AL, AR, HI, KS, MN,  State  $30.00  Maximum Returned  $24.99)  due or $10.00 
                                                                                                         MT, SC, TN, TX    Payment Fee                Lesser of 10% of outstanding 
                                                                                                                                         MA          Greater of 5% of amount past 
                                                                                                         AK, KY, LA, ME, NH,  $37.00     NE          due or $5.00 (but not to exceed  balance or $10.00 
                                                                                                         AZ, CO, IL, IN, MI, NV,  $25.00 
                                                                                                         ND, OH, SD, VA, WA,                         $37.00)  $10.00 (except $5.00 if the 
                                                                                                         NC, OK, RI, WV 
                                                                                                         WI                              MO          $10.00 (except $5.00 if the  minimum payment is $5.00 to 
                                                                                                         CA, MD, MO  AL, AR, HI, KS, MN,  $15.00  $30.00  NC  outstanding balance is under  $24.99) 
                                                                                                         CT, ID, IA, NJ, NY, UT  MT, SC, TN, TX    $20.00  $100.00)  Greater of 5% of amount past 
                                                                                                         FL                              NE           due or $5.00 (but not to exceed 
                                                                                                         AZ, CO, IL, IN, MI, NV,  Greater of 5% of amount of  $25.00  The greater of 5% of the unpaid 
                                                                                                                   payment or $25.00 (max  OK        amount of the installment or  $37.00) 
                                                                                                         NC, OK, RI, WV 
                                                                                                                   $37.00)                           $24.50 (not to exceed $37.00)  $10.00 (except $5.00 if the 
                                                                                                         GA  CA, MD, MO  Greater of 5% of amount of  $15.00  RI  NC  $12.00  outstanding balance is under 
                                                                                                         CT, ID, IA, NJ, NY, UT  payment or $30.00 (max  $20.00  5% of amount past due, but not  $100.00) 
                                                                                                                   $37.00)                                                                                                                 
                                                                                                         FL         Greater of 5% of amount of  SC   more than $18.00 and not less  The greater of 5% of the unpaid   
        15. Change in This Agreement: To the extent permitted  contacts, you may call Customer Service at 1-866-875- limitations on interest and fees. For Accounts opened on  THE ADDRESS OF THE SELLER, WHICH MAY BE HIS  OR  $35.00  payment or $25.00 (max  OK  report you as delinquent on that amount.  than $7.20   amount of the installment or 
                                                                                                                                                                                                                                           
                                                                                                                    $37.00)                           $24.50 (not to exceed $37.00) 
        15. Change in This Agreement: To the extent permitted  by law, we may change any term of this Agreement,  relating to this Agreement or your Account are governed, to  0891.  To stop receiving online communications that you  be reduced by the amount necessary to satisfy that limit  or after October 3, 2017, if you are a Covered Borrower as  THE THIRD BUSINESS DAY FOLLOWING A PURCHASE  MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU  DC, DE, MA, MS, NE,  None      �  While you do not have to pay the amount in question,  �  The charge in question may remain on your statement,  Greater of 5% of amount past  Rev. 8/19 
                                                                                                         NM, PA, VT, WY  GA  Greater of 5% of amount of  UT  RI  due or $30.00 (but not to  $12.00 
        by law, we may change any term of this Agreement,  including any Annual Percentage Rate or fee, as well  the extent applicable, by U.S. federal law and the law of the  previously selected, you must update your preferences by  and any amounts collected in excess of the permitted limit  determined in accordance with the safe harbor provisions in  UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT. NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR  payment or $30.00 (max  you are responsible for the remainder of your balance.  and we may continue to charge you interest on that   
                                                                                                                                                     exceed $37.00)  5% of amount past due, but not                                       Page 2 
                                                                                                                                                                                   WHAT DOES KAY� JEWELERS AND KAY� JEWELERS OUTLET  
        including any Annual Percentage Rate or fee, as well  as add and/or subtract terms. We will furnish you notice  state of your billing address when this Account was opened  logging into the Account management website; we cannot  shall be refunded by crediting your Account or by making a  the Military Lending Act and its implementing regulations:  BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM  $37.00)    �  We can apply any unpaid amount against your credit   
                                                                                                                                         SC  amount. 
                                                                                                                                                     5% of amount of installment (but  more than $18.00 and not less   
        of the change to the extent required by law. If permitted                                                                        VA                              FACTS 
        as add and/or subtract terms. We will furnish you notice  or, for non-U.S. residents, the law of the state where the  manage those preferences for you. direct payment to you; and (c) any other provision of this  (a) Section 10 regarding arbitration shall not apply to you;  YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL  SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF  OR  $35.00    �  While you do not have to pay the amount in question,  limit.  not to exceed $37.00)  than $7.20   DO WITH YOUR PERSONAL INFORMATION?     
        of the change to the extent required by law. If permitted  by applicable law, any new terms may at our option  Account was opened (without regard to con?icts of laws  relating to this Agreement or your Account are governed, to  Agreement that is inconsistent with the Military Lending Act  (b) any interest or fees in excess of the permitted limit shall  be reduced by the amount necessary to satisfy that limit  INSTALLMENT CREDIT AGREEMENT. THE THIRD BUSINESS DAY FOLLOWING A PURCHASE  THE THIRD BUSINESS DAY FOLLOWING A PURCHASE  DC, DE, MA, MS, NE,  None 
        15. Change in This Agreement: To the extent permitted                                                                          After we ?nish our investigation, one of two things will    �  While you do not have to pay the amount in question,  you are responsible for the remainder of your balance.  $37.00 (except 10% of the  Greater of 5% of amount past  Rev. 8/19  What we do 
                                       19. Governing Law: This Agreement and your Account and            NM, PA, VT, WY                  UT           due or $30.00 (but not to                                                                                         
        by applicable law, any new terms may at our option  be applied to any balance existing on the Account at  by law, we may change any term of this Agreement,  principles), unless we receive written notice that you have  the extent applicable, by U.S. federal law and the law of the  shall not apply to you. be reduced by the amount necessary to satisfy that limit  and any amounts collected in excess of the permitted limit  UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT. UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT.   �  We can apply any unpaid amount against your credit 
                                                                                                                                       happen: you are responsible for the remainder of your balance.  average daily balance for prior                
                                       any claim, dispute, or controversy arising from or relating to                                    WA          30-day period, but not less than  exceed $37.00)  WHAT DOES KAY� JEWELERS AND KAY� JEWELERS OUTLET   How does Kay� Jewelers and Kay� Jewelers  Page 2  To protect your personal information from 
        be applied to any balance existing on the Account at  the time of change, as well as to any subsequent  including any Annual Percentage Rate or fee, as well  moved to another U.S. state pursuant to Paragraph 20. If  state of your billing address when this Account was opened  and any amounts collected in excess of the permitted limit  shall be refunded by crediting your Account or by making a    �  We can apply any unpaid amount against your credit  limit. 
                                                                                                                                                     $2.00, if the balance is less than  5% of amount of installment (but 
        the time of change, as well as to any subsequent  transactions. this Agreement or your Account are governed, to the extent  Notice to Florida Residents: The Annual Percentage Rates  shall be refunded by crediting your Account or by making a  YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL 
        as add and/or subtract terms. We will furnish you notice       direct payment to you; and (c) any other provision of this  YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL      �  If we made a mistake: You will not have to pay the  VA  FACTS  Financial companies choose how they share your personal information.  Federal law  Outlet protect my personal information?  unauthorized access and use, we use security 
                                       we receive notice of a change in your billing address, except  or, for non-U.S. residents, the law of the state where the  Buyer    Signature After we ?nish our investigation, one of two things will  limit.  $100.00)  not to exceed $37.00)  Why?  DO WITH YOUR PERSONAL INFORMATION?   
        transactions. of the change to the extent required by law. If permitted  applicable, by U.S. federal law and the law of the state of your  shown above are authorized by Chapter 655 of the Florida  direct payment to you; and (c) any other provision of this  INSTALLMENT CREDIT AGREEMENT. amount in question or any interest or other fees related  gives consumers the right to limit some but not all sharing.  Federal law also requires  measures that comply with federal law.  These 
                                       for any Annual Percentage Rate (and corresponding monthly  Account was opened (without regard to con?icts of laws  Agreement that is inconsistent with the Military Lending Act  INSTALLMENT CREDIT AGREEMENT.
                                                                                                                                       happen: After we ?nish our investigation, one of two things will  5% of amount past due, but not  $37.00 (except 10% of the  What we do 
        16. Credit Investigation: You authorize us to investigate 
                                       billing address when this Account was opened or, for non- Statutes.                               WV  to that amount.                       us to tell you how we collect, share, and protect your personal information.  Please     
        by applicable law, any new terms may at our option  periodic rate) applicable to any outstanding balance, the  principles), unless we receive written notice that you have  Agreement that is inconsistent with the Military Lending Act  shall not apply to you. to exceed $30.00  average daily balance for prior    measures include computer safeguards and secured 
        16. Credit Investigation: You authorize us to investigate  your credit history by obtaining consumer reports and                      �  If we made a mistake: You will not have to pay the  happen:
                                       U.S. residents, the law of the state where the Account was                                        WA           30-day period, but not less than                                                    How does Kay� Jewelers and Kay� Jewelers  To protect your personal information from 
        be applied to any balance existing on the Account at  terms applicable to the state of your new billing address will  moved to another U.S. state pursuant to Paragraph 20. If  shall not apply to you.  Seller-Creditor    �  If we do not believe there was a mistake: You will have  read this notice carefully to understand what we do.  files and buildings. 
        your credit history by obtaining consumer reports and  by making direct inquiries of businesses where you 
                                       opened (without regard to con?icts of laws principles), unless  Notice to Maryland Residents: This Account is governed by    $2.00, if the balance is less than 
        the time of change, as well as to any subsequent  apply to all balances on your Account after we receive written  Notice to Florida Residents: The Annual Percentage Rates 
                                       we receive notice of a change in your billing address, except                                     �  If we made a mistake: You will not have to pay the  amount in question or any interest or other fees related 
                                                                                                                                          to pay the amount in question, along with applicable    Financial companies choose how they share your personal information.  Federal law     
                                                                                                        Buyer            Signature                    $100.00)          Why?                                                              Outlet protect my personal information?  unauthorized access and use, we use security 
        by making direct inquiries of businesses where you  have accounts and where you work. We may request 
                                       we receive written notice that you have moved to another  Subtitle 9, Title 12 of the Maryland Commercial Law Article. Notice to Florida Residents: The Annual Percentage Rates    to that amount.  amount in question or any interest or other fees related  The types of personal information we collect and share depend on the product or  gives consumers the right to limit some but not all sharing.  Federal law also requires  How does Kay� Jewelers and Kay� Jewelers  We collect your personal information, for example, 
        transactions.                  notice of your new address. Any Annual Percentage Rate (and  shown above are authorized by Chapter 655 of the Florida                                                                                                           measures that comply with federal law.  These 
        a consumer report from consumer reporting agencies  for any Annual Percentage Rate (and corresponding monthly                     interest and fees. We will send you a statement of the  5% of amount past due, but not 
        have accounts and where you work. We may request  U.S. state pursuant to Paragraph 20. If we receive notice  shown above are authorized by Chapter 655 of the Florida  Statutes. WV 
                                                                                                                                        �  If we do not believe there was a mistake: You will have  amount you owe and the date payment is due. We  to that amount.  What?  us to tell you how we collect, share, and protect your personal information.  Please  Outlet collect my personal information?  when you 
                                       corresponding monthly periodic rate) applicable to a balance  periodic rate) applicable to any outstanding balance, the                                                                                                         measures include computer safeguards and secured 
        in considering your application for this Account or any        Notice to Michigan Residents: The seller retains a security                    to exceed $30.00             service you have with us.  This information can include: 
        a consumer report from consumer reporting agencies  16. Credit Investigation: You authorize us to investigate                                                                                                                                                   
                                       of a change in your billing address, except for any Annual  Statutes.
                                       outstanding prior to noti?cation of a change in billing address  terms applicable to the state of your new billing address will   Seller-Creditor  Chris Klemann, Vice President Financial Services,    �  If we do not believe there was a mistake: You will have  may then report you as delinquent if you do not pay  to pay the amount in question, along with applicable  read this notice carefully to understand what we do.  files and buildings. 
        other account you have with us and later in connection         interest in the subject matter of this Agreement.
        in considering your application for this Account or any  your credit history by obtaining consumer reports and  Percentage Rate (and corresponding monthly periodic rate)  Notice to Maryland Residents: This Account is governed by  Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                       will continue to apply to such balance until it is paid off. apply to all balances on your Account after we receive written  the amount we think you owe.  interest and fees. We will send you a statement of the  �  Social Security number and account balances    �    open an account or give us your contact 
                                                                                                                                          to pay the amount in question, along with applicable   
        other account you have with us and later in connection  with an update, renewal, extension of credit or collection  by making direct inquiries of businesses where you  applicable to any outstanding balance, the terms applicable to  Notice to Maryland Residents: This Account is governed by  Subtitle 9, Title 12 of the Maryland Commercial Law Article. P.O. Box 3680, Akron, OH 44309-3680    amount you owe and the date payment is due. We  How does Kay� Jewelers and Kay� Jewelers  We collect your personal information, for example, 
                                       notice of your new address. Any Annual Percentage Rate (and  Notice to Pennsylvania Residents: This is a Security Agreement. If you receive our explanation but still believe your bill is wrong,  interest and fees. We will send you a statement of the  �  The types of personal information we collect and share depend on the product or  Payment history and transaction history  information 
        with an update, renewal, extension of credit or collection  of the Account or any other account you have with us.  have accounts and where you work. We may request  Subtitle 9, Title 12 of the Maryland Commercial Law Article.
                                       20. Change of Address or Other Contact Information: You  the state of your new billing address will apply to all balances  may then report you as delinquent if you do not pay 
                                       corresponding monthly periodic rate) applicable to a balance                                    you must write to us within 10 days telling us that you still  amount you owe and the date payment is due. We  What?  Outlet collect my personal information?  �  when you 
                                                                       Notice to Michigan Residents: The seller retains a security                                                 �  service you have with us.  This information can include:  Credit history and credit scores  pay your bills or apply for a loan 
        of the Account or any other account you have with us.  Upon your request we will disclose whether a consumer  a consumer report from consumer reporting agencies            
                                       on your Account after we receive written notice of your new  Notice to Texas Residents: For questions or complaints                                                                                                              
                                       agree to notify us promptly in writing of any changes to your  outstanding prior to noti?cation of a change in billing address  Chris Klemann, Vice President Financial Services,  the amount we think you owe. 
                                                                                                                                       refuse to pay. If you do so, we cannot report you as delinquent  may then report you as delinquent if you do not pay   
        report was requested and the name and address of any           Notice to Michigan Residents: The seller retains  interest in the subject matter of this Agreement.                                                                                             �  use your credit or debit card 
        Upon your request we will disclose whether a consumer  in considering your application for this Account or any  billing address, phone number, email address, and other  address. Any Annual Percentage Rate (and corresponding  about this contract, contact Genesis FS Card Services  Your Billing Rights: Keep this Document for Future Use Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,  the amount we think you owe.  When you are no longer our customer, we continue to share your information as  �  Social Security number and account balances  �  open an account or give us your contact 
                                       will continue to apply to such balance until it is paid off.                                                                                                                                                                          
        report was requested and the name and address of any  consumer reporting agency that furnished the report.  other account you have with us and later in connection  a security interest in the subject matter of this  P.O. Box 3680, Akron, OH 44309-3680  without also reporting that you are questioning your bill. We  If you receive our explanation but still believe your bill is wrong, 
                                       contact information. Until we receive written notice of your  monthly periodic rate) applicable to a balance outstanding  at 1-866-875-0891. The Of?ce of Consumer Credit  Notice to Pennsylvania Residents: This is a Security Agreement. described in this notice.  �  Payment history and transaction history  information 
                                                                                                                                                                                                                                                                       We also collect your personal information from 
        consumer reporting agency that furnished the report.  We may report information about your Account to  with an update, renewal, extension of credit or collection  Commissioner (OCCC) is a state agency, and it enforces  Agreement. must tell you the name of anyone to whom we reported you  you must write to us within 10 days telling us that you still 
                                                                                                       This notice tells you about your rights and our  If you receive our explanation but still believe your bill is wrong, 
                                       new billing address or email address, if you have elected to  prior to noti?cation of a change in billing address will continue  20. Change of Address or Other Contact Information: You   
                                                                                                                                       as delinquent, and we must let those organizations know  refuse to pay. If you do so, we cannot report you as delinquent  you must write to us within 10 days telling us that you still  �  Credit history and credit scores  others, such as credit bureaus, affiliates, or other  �  pay your bills or apply for a loan 
        We may report information about your Account to  credit bureaus. Late payments, missed payments, or  of the Account or any other account you have with us.  receive notices electronically, we will continue to send billing  certain laws that apply to this contract. If a complaint or  Notice to Texas Residents: For questions or complaints  responsibilities under the Fair Credit Billing Act.
                                       to apply to such balance until it is paid off. agree to notify us promptly in writing of any changes to your                                 
                                                                       Notice to Pennsylvania Residents: This is a Security Agreement. when the matter has been settled between us. without also reporting that you are questioning your bill. We  refuse to pay. If you do so, we cannot report you as delinquent  All financial companies need to share customers� personal information to run their  companies.  �  use your credit or debit card 
        credit bureaus. Late payments, missed payments, or  other defaults on your Account may be re?ected on  Upon your request we will disclose whether a consumer  statements and other notices to the address we have on ?le  billing address, phone number, email address, and other  question cannot be resolved by contacting the creditor,  about this contract, contact Genesis FS Card Services  Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use How?  When you are no longer our customer, we continue to share your information as 
                                                                                                       What To Do If You Find A Mistake On Your Statement must tell you the name of anyone to whom we reported you                                                           
        other defaults on your Account may be re?ected on  your credit report. If you believe that we have reported  report was requested and the name and address of any  20. Change of Address or Other Contact Information: You  consumers can contact the OCCC to ?le a complaint or ask  at 1-866-875-0891. The Of?ce of Consumer Credit  If we do not follow all of the rules above, you do not have to  without also reporting that you are questioning your bill. We  everyday business.  In the section below, we list the reasons financial companies can     
                                       for your Account. Subject to Paragraph 19, we deem you to  contact information. Until we receive written notice of your  Notice to Texas Residents: For questions or complaints  as delinquent, and we must let those organizations know  described in this notice. 
                                                                                                                                       pay the ?rst $50.00 of the amount you question even if your  must tell you the name of anyone to whom we reported you  Why can�t I limit all sharing?  Federal law gives you the right to limit only  We also collect your personal information from 
        your credit report. If you believe that we have reported  inaccurate information to a consumer reporting agency,  consumer reporting agency that furnished the report.  agree to notify us promptly in writing of any changes to your 
                                       reside at the billing address we have on ?le for the purpose of  new billing address or email address, if you have elected to  a general credit-related question. OCCC address: 2601 N.  about this contract, contact Genesis FS Card Services  Commissioner (OCCC) is a state agency, and it enforces  This notice tells you about your rights and our  This notice tells you about your rights and our  share their customers� personal information; the reasons Kay� Jewelers and Kay� 
                                                                                                       If you think there is an error on your statement, write to us at: when the matter has been settled between us.  
                                                                                                                                       as delinquent, and we must let those organizations know                                                                           others, such as credit bureaus, affiliates, or other 
        inaccurate information to a consumer reporting agency,  write to us at Genesis FS Card Services, P.O. Box 4485,  We may report information about your Account to  billing address, phone number, email address, and other  Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.  at 1-866-875-0891. The Of?ce of Consumer Credit  certain laws that apply to this contract. If a complaint or  responsibilities under the Fair Credit Billing Act. responsibilities under the Fair Credit Billing Act. bill is correct.
                                       applying terms that vary with your state of residence. receive notices electronically, we will continue to send billing                     Jewelers Outlet chooses to share; and whether you can limit this sharing. 
        Beaverton, OR 97076-4485 and we will investigate the                                             Genesis FS Card Services      when the matter has been settled between us. All financial companies need to share customers� personal information to run their  �  companies.  sharing for affiliates� everyday business purposes 
        write to us at Genesis FS Card Services, P.O. Box 4485,  credit bureaus. Late payments, missed payments, or  contact information. Until we receive written notice of your  If we do not follow all of the rules above, you do not have to 
                                       statements and other notices to the address we have on ?le  Fax: (512) 936-7610. Website: occc.texas.gov. E-mail:  Commissioner (OCCC) is a state agency, and it enforces  question cannot be resolved by contacting the creditor,  Your Rights If You Are Dissatis?ed With Your Credit Card    How?   
                                                                                                         What To Do If You Find A Mistake On Your Statement
        Beaverton, OR 97076-4485 and we will investigate the  matter.                                  What To Do If You Find A Mistake On Your Statement P.O. Box 4485  
        other defaults on your Account may be re?ected on  21. Assignment: We may sell, transfer, or assign our rights or  new billing address or email address, if you have elected to  pay the ?rst $50.00 of the amount you question even if your 
                                                                       consumer.complaints@occc.texas.gov.                             If we do not follow all of the rules above, you do not have to  everyday business.  In the section below, we list the reasons financial companies can      � information about your creditworthiness 
                                       for your Account. Subject to Paragraph 19, we deem you to  certain laws that apply to this contract. If a complaint or  consumers can contact the OCCC to ?le a complaint or ask  Purchases Does Kay� Jewelers 
                                                                                                         Beaverton, OR 97076-4485      bill is correct.
        matter. your credit report. If you believe that we have reported  obligations under this Agreement without prior notice to you.  receive notices electronically, we will continue to send billing  a general credit-related question. OCCC address: 2601 N.  pay the ?rst $50.00 of the amount you question even if your  Can you limit  Why can�t I limit all sharing?  Federal law gives you the right to limit only 
                                                                                                                                                                                   share their customers� personal information; the reasons Kay� Jewelers and Kay�     �  affiliates from using your information to market to                 CREDIT TERMS AND CONDITIONS  
                                       reside at the billing address we have on ?le for the purpose of  question cannot be resolved by contacting the creditor,  If you think there is an error on your statement, write to us at: If you think there is an error on your statement, write to us at: If you are dissatis?ed with the goods or services that you  Reasons we can share your personal information  and Kay� Jewelers 
        17. No Waiver by Us: We may, without notice to you,                                                                                                                                                                                                             
        inaccurate information to a consumer reporting agency,  You may not sell, transfer, or assign your rights or obligations  statements and other notices to the address we have on ?le  NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT 
                                                                       consumers can contact the OCCC to ?le a complaint or ask  Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.  In your letter, give us the following information:  Your Rights If You Are Dissatis?ed With Your Credit Card  bill is correct. Jewelers Outlet chooses to share; and whether you can limit this sharing.  this sharing?  you  CREDIT DISCLOSURES FOR THE 
        17. No Waiver by Us: We may, without notice to you,  delay or refrain from enforcing our rights under this  applying terms that vary with your state of residence. have purchased with your credit card, and you have tried in  Outlet share? 
                                                                       CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES      Genesis FS Card Services   Genesis FS Card Services                                                                                         �  sharing for affiliates� everyday business purposes                   FOR THE KAY JEWELERS AND  
        write to us at Genesis FS Card Services, P.O. Box 4485,  under this Agreement or your Account. for your Account. Subject to Paragraph 19, we deem you to  Fax: (512) 936-7610. Website: occc.texas.gov. E-mail:    �  Account information: Your name and account number. 
                                                                       a general credit-related question. OCCC address: 2601 N.        Purchases                         
        Agreement without losing them (e.g., we may extend the                                             P.O. Box 4485   P.O. Box 4485   good faith to correct the problem with the merchant, you may  Your Rights If You Are Dissatis?ed With Your Credit Card      �  sharing for nonaffiliates to market to you 
        delay or refrain from enforcing our rights under this          WHICH THE DEBTOR COULD ASSERT AGAINST THE                                                                                                                                                          � information about your creditworthiness 
                                       reside at the billing address we have on ?le for the purpose of                                                                                                                                                                                                                                           KAY JEWELRY ACCOUNT
        Beaverton, OR 97076-4485 and we will investigate the  21. Assignment: We may sell, transfer, or assign our rights or  Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.  consumer.complaints@occc.texas.gov.   �  Dollar amount: The dollar amount of the suspected error.  Purchases For our everyday business purposes � 
                                                                                                                                       If you are dissatis?ed with the goods or services that you        Does Kay� Jewelers                                             
        Agreement without losing them (e.g., we may extend the  time to make some payments without extending the time  22. Liability for Unauthorized Use: You agree to notify us  SELLER OF GOODS OR SERVICES OBTAINED PURSUANT      Beaverton, OR 97076-4485 Beaverton, OR 97076-4485 have the right not to pay the remaining amount due on the 
                                                                                                                                                                                                                           Can you limit                                                                                                     KAY JEWELERS OUTLET ACCOUNT
        matter.                        applying terms that vary with your state of residence. obligations under this Agreement without prior notice to you.    �  Description of problem: If you think there is an error 
                                                                       Fax: (512) 936-7610. Website: occc.texas.gov. E-mail:           purchase. have purchased with your credit card, and you have tried in  such as to process your transactions, maintain your  Reasons we can share your personal information  and Kay� Jewelers  State laws and individual companies may give you  �  affiliates from using your information to market to 
        time to make some payments without extending the time  to make other payments, accept late or partial payments  promptly if your Card is lost or stolen, or of the unauthorized  If you are dissatis?ed with the goods or services that you 
                                       You may not sell, transfer, or assign your rights or obligations  HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY  NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT 
                                                                       consumer.complaints@occc.texas.gov. In your letter, give us the following information:  In your letter, give us the following information:  on your bill, describe what you believe is wrong and  this sharing?                                                        CREDIT DISCLOSURES FOR THE 
                                                                                                                                       good faith to correct the problem with the merchant, you may  account(s), respond to court orders and legal  YES  NO            additional rights to limit sharing.   you 
        to make other payments, accept late or partial payments  without waiving our right to have future payments made  17. No Waiver by Us: We may, without notice to you,  use of your Card, by writing to us at Genesis FS Card Services,  21. Assignment: We may sell, transfer, or assign our rights or  have purchased with your credit card, and you have tried in  Outlet share? 
                                                                       HEREUNDER BY THE DEBTOR SHALL NOT EXCEED  CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES      �  Account information: Your name and account number.  �  Account information: Your name and account number.  why you believe it is a mistake. To use this right, all of the following must be true:    
                                       under this Agreement or your Account.                                                           have the right not to pay the remaining amount due on the  good faith to correct the problem with the merchant, you may  investigations, or report to credit bureaus   �  sharing for nonaffiliates to market to you 
        without waiving our right to have future payments made  when they are due, and/or waive any charge or fee without  delay or refrain from enforcing our rights under this  P.O. Box 4480, Beaverton, OR 97076-4480 or by calling us at  obligations under this Agreement without prior notice to you.  AMOUNTS PAID BY THE DEBTOR HEREUNDER.  NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT  WHICH THE DEBTOR COULD ASSERT AGAINST THE      �  Dollar amount: The dollar amount of the suspected error.  �  Dollar amount: The dollar amount of the suspected error.    For our everyday business purposes �    KAY JEWELRY ACCOUNT
                                                                                                       You must contact us:             1.  The purchase must have been made in your home state  purchase.                                                              
        when they are due, and/or waive any charge or fee without  losing our right to impose that charge or fee when it is  Agreement without losing them (e.g., we may extend the  1-866-875-0891. If you orally give us notice, you agree to  You may not sell, transfer, or assign your rights or obligations  have the right not to pay the remaining amount due on the 
                                       22. Liability for Unauthorized Use: You agree to notify us  CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES  SELLER OF GOODS OR SERVICES OBTAINED PURSUANT        � Within 60 days after the error appeared on your  �  Description of problem: If you think there is an error  �  Description of problem: If you think there is an error  or within 100 miles of your current mailing address, and   
                                                                       NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION             purchase.                        For our marketing purposes �  such as to process your transactions, maintain your              State laws and individual companies may give you 
        due under this Agreement).     under this Agreement or your Account.                                                                                                                                                              Definitions 
        losing our right to impose that charge or fee when it is  time to make some payments without extending the time  con?rm in writing. You may be liable for unauthorized use of  promptly if your Card is lost or stolen, or of the unauthorized  WHICH THE DEBTOR COULD ASSERT AGAINST THE  HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY  statement.  on your bill, describe what you believe is wrong and  on your bill, describe what you believe is wrong and  To use this right, all of the following must be true:
                                                                                                                                          the purchase price must have been more than $50.00.                                              
                                                                       AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ                                                     to offer our products and services to you  account(s), respond to court orders and legal  YES  YES  NO  NO      additional rights to limit sharing.  
        due under this Agreement). to make other payments, accept late or partial payments  your Card prior to your noti?cation of us. You will not be liable  use of your Card, by writing to us at Genesis FS Card Services,  SELLER OF GOODS OR SERVICES OBTAINED PURSUANT  HEREUNDER BY THE DEBTOR SHALL NOT EXCEED  To use this right, all of the following must be true:  
        18. Customer Communications: Except as prohibited by                                             �  At least 3 business days before an automated payment  why you believe it is a mistake. why you believe it is a mistake.   1.  The purchase must have been made in your home state  (Note: Neither of these are necessary if your purchase   
                                       22. Liability for Unauthorized Use: You agree to notify us                                                                        
                                                                       IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE                                                investigations, or report to credit bureaus                       Affiliates                   Companies related by common ownership or control.  
        without waiving our right to have future payments made  for unauthorized use that occurs after you notify us of the  P.O. Box 4480, Beaverton, OR 97076-4480 or by calling us at  HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY  AMOUNTS PAID BY THE DEBTOR HEREUNDER.   
                                                                                                          is scheduled, if you want to stop payment on the   1.  The purchase must have been made in your home state  was based on an advertisement we mailed to you, or if  or within 100 miles of your current mailing address, and     
        18. Customer Communications: You agree that your  law, you agree that your calls with us may be monitored  promptly if your Card is lost or stolen, or of the unauthorized  You must contact us:  You must contact us:  For joint marketing with other financial 
                                                                       ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS                                                   
        when they are due, and/or waive any charge or fee without  loss, theft, or unauthorized use and, in any case, your liability  1-866-875-0891. If you orally give us notice, you agree to                                                                       They can be financial and nonfinancial companies. 
                                                                       HEREUNDER BY THE DEBTOR SHALL NOT EXCEED 
        and/or recorded and that we (and our successors and  use of your Card, by writing to us at Genesis FS Card Services,   
        calls with us may be monitored and/or recorded and that                                          �  Within 60 days after the error appeared on your     � Within 60 days after the error appeared on your  amount you think is wrong. we own or operate the company that sold you the goods  the purchase price must have been more than $50.00.  or within 100 miles of your current mailing address, and   
                                                                                                                                                                        companies  For our marketing purposes �  NO      We don�t share.  Definitions                   
        losing our right to impose that charge or fee when it is  will not exceed $50.00. con?rm in writing. You may be liable for unauthorized use of  CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY THE  NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION 
                                                                       AMOUNTS PAID BY THE DEBTOR HEREUNDER.                                                             
                                                                                                       statement.      statement.         or services.) (Note: Neither of these are necessary if your purchase  the purchase price must have been more than $50.00.   
        we (or anyone acting on our behalf) may contact you  assigns, or anyone acting on our behalf) may contact  P.O. Box 4480, Beaverton, OR 97076-4480 or by calling us at  You must notify us of any potential errors in writing. You    to offer our products and services to you  YES  NO    �    Kay� Jewelers and Kay� Jewelers Outlet does 
        due under this Agreement).     your Card prior to your noti?cation of us. You will not be liable  TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT  AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ 
        you from time to time regarding your Account (including                                            �  At least 3 business days before an automated payment  �  At least 3 business days before an automated payment  was based on an advertisement we mailed to you, or if  (Note: Neither of these are necessary if your purchase   
        from time to time regarding your Account (including for  23. Authorized Users: You may request additional Cards on  1-866-875-0891. If you orally give us notice, you agree to  For our affiliates� everyday business purposes � 
                                       for unauthorized use that occurs after you notify us of the  WITHOUT INCURRING ANY ADDITIONAL CHARGE. 4. KEEP  may call us, but if you do we are not required to investigate   2.  You must have used your credit card for the purchase.   
                                                                       NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION  IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE                                                             Affiliates                   Companies related by common ownership or control.  
                                                                                                          is scheduled, if you want to stop payment on the  is scheduled, if you want to stop payment on the  we own or operate the company that sold you the goods       not share with our affiliates. 
                                                                                                                                          was based on an advertisement we mailed to you, or if                                                                              
        collections purposes). You further agree that all of our  for collections purposes) and may suppress caller  18. Customer Communications: You agree that your  your Account, and you may permit an Authorized User to have  con?rm in writing. You may be liable for unauthorized use of  THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5.  AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ  ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS  any potential errors and you may have to pay the amount in  Purchases made with cash advances from an ATM or with  information about your transactions and experiences   For joint marketing with other financial  NO  We don�t share.     
                                       loss, theft, or unauthorized use and, in any case, your liability                                                                                                                                                               They can be financial and nonfinancial companies. 
                                                                                                          amount you think is wrong. amount you think is wrong. or services.)  
        contacts with you may be made via email, text messages  identi?cation.  You further agree that all of our contacts  calls with us may be monitored and/or recorded and that  access to a Card. However, if you do, you are responsible for  your Card prior to your noti?cation of us. You will not be liable  question. a check that accesses your credit card account do not  we own or operate the company that sold you the goods    We don�t share. 
                                                                       YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM                                                                                             NO 
                                                                       IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE  CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY THE  companies                                                     Nonaffiliates                Companies not related by common ownership or   
                                       will not exceed $50.00.
        with you (or the contacts by our agents, successors and                                                                          2.  You must have used your credit card for the purchase.  or services.)  
        or with an automated dialing and announcing or similar                                                                                                          For our affiliates� everyday business purposes � 
        we (or anyone acting on our behalf) may contact you  all charges made by the Authorized User, including charges  for unauthorized use that occurs after you notify us of the  You must notify us of any potential errors in writing. You  You must notify us of any potential errors in writing. You  qualify.  
                                                                       THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR  ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS  TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT  What Will Happen After We Receive Your Letter    control.  They can be financial and nonfinancial  �  Kay� Jewelers and Kay� Jewelers Outlet does 
                                                                                                                                          Purchases made with cash advances from an ATM or with 
        device and/or an arti?cial voice or prerecorded message.  assigns with you) may be made via email, text messages                                                                                                 We don�t share. 
        from time to time regarding your Account (including for  for which you may not have intended to be responsible. You  loss, theft, or unauthorized use and, in any case, your liability  23. Authorized Users: You may request additional Cards on  For our affiliates� everyday business purposes �  NO 
                                                                       DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS,  CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY THE  WITHOUT INCURRING ANY ADDITIONAL CHARGE. 4. KEEP  may call us, but if you do we are not required to investigate  may call us, but if you do we are not required to investigate     2.  You must have used your credit card for the purchase.  3. You must not yet have fully paid for the purchase. information about your creditworthiness  companies.  not share with our affiliates. 
                                                                                                       When we receive your letter, we must do two things:                                                                                                                   
        You also agree that we may contact you at any telephone  or with an automated dialing and announcing or similar                   a check that accesses your credit card account do not 
        collections purposes). You further agree that all of our  must notify us to revoke an Authorized User�s permission to  will not exceed $50.00. your Account, and you may permit an Authorized User to have  REQUIRE A RESALE OF THE PROPERTY REPOSSESSED.  TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT  any potential errors and you may have to pay the amount in  any potential errors and you may have to pay the amount in  Purchases made with cash advances from an ATM or with   
                                                                       THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5.                                                  information about your transactions and experiences   NO  We don�t share.                         
                                                                                                                                       If all of the criteria above are met and you are still dissatis?ed   
        device and/or an arti?cial voice or prerecorded message.                                         question. question. 1.  Within 30 days of receiving your letter, we must tell you  qualify. a check that accesses your credit card account do not  For our nonaffiliates to market to you 
        number you provide to us, even if you are charged by  contacts with you may be made via email, text messages  use your Account. If you do so, we may close the Account and  access to a Card. However, if you do, you are responsible for   
                                                                       6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER  WITHOUT INCURRING ANY ADDITIONAL CHARGE. 4. KEEP  YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM                       Nonaffiliates                Companies not related by common ownership or 
                                                                                                                                       with the purchase, contact us in writing at the address listed         NO         We don�t share.                               �  Kay� Jewelers and Kay� Jewelers Outlet does 
                                       23. Authorized Users: You may request additional Cards on 
        your service provider, whether a residential or business  You agree that you will not provide telephone number(s)  or with an automated dialing and announcing or similar  issue a new Card or Cards with a different Account number. all charges made by the Authorized User, including charges  that we received your letter. We will also tell you if we  qualify. For our affiliates� everyday business purposes � 
                                                                       YOUR PREMISES OR COMMIT ANY BREACH OF THE  THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5.  THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR  What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter   3. You must not yet have fully paid for the purchase.
                                                                                                                                       above.                                                                                                                          control.  They can be financial and nonfinancial  not share with nonaffiliates so they can market to 
        for which you are not the subscriber.  You also agree that  your Account, and you may permit an Authorized User to have  have already corrected the error.                                                       We don�t share. 
        number, even if that number is on a Do Not Call list, is  device and/or an arti?cial voice or prerecorded message.  for which you may not have intended to be responsible. You  PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS  YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM  DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS,  If all of the criteria above are met and you are still dissatis?ed    3. You must not yet have fully paid for the purchase. information about your creditworthiness  NO 
                                                                                                                                                                                                                                                                       companies. 
                                                                                                       When we receive your letter, we must do two things:  When we receive your letter, we must do two things:                                                           you. 
        we (or our agents, successors or assigns) may contact  24. Military Lending Act Compliance: This Agreement  access to a Card. However, if you do, you are responsible for  While we investigate, the same rules apply to the disputed 
        a wireless, cellular or mobile number; is converted to  You also agree that we may contact you at any telephone  must notify us to revoke an Authorized User�s permission to   
                                                                       AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS  THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR  REQUIRE A RESALE OF THE PROPERTY REPOSSESSED.    2.  Within 90 days of receiving your letter, we must either   
                                                                                                                                       with the purchase, contact us in writing at the address listed  If all of the criteria above are met and you are still dissatis?ed         
                                                                                                                                       amount as discussed above. After we ?nish our investigation,  Questions? 
        a mobile/wireless number; or connects to any type of  you at any telephone number you provide to us, even  all charges made by the Authorized User, including charges  For our nonaffiliates to market to you 
        number you provide to us, even if you are charged by  shall be interpreted to comply with the Military Lending  use your Account. If you do so, we may close the Account and  AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A  DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS,      1.  Within 30 days of receiving your letter, we must tell you  1.  Within 30 days of receiving your letter, we must tell you  correct the error or explain to you why we believe the bill 
                                                                       6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER                  above.
                                       for which you may not have intended to be responsible. You                                      we will tell you of our decision. At that point, if we think you  with the purchase, contact us in writing at the address listed  NO  We don�t share.  Joint marketing  A formal agreement between nonaffiliated financial  �  Kay� Jewelers and Kay� Jewelers Outlet does 
        mobile/wireless device. You agree that any consent you  if you are charged by your service provider, whether a  your service provider, whether a residential or business  Act, including its restrictions on permissible loan terms and  issue a new Card or Cards with a different Account number. REQUIRE A RESALE OF THE PROPERTY REPOSSESSED.  is correct.
                                                                       PURCHASE UNDER THIS AGREEMENT IF IT HAS BEEN  YOUR PREMISES OR COMMIT ANY BREACH OF THE  that we received your letter. We will also tell you if we  that we received your letter. We will also tell you if we    not share with nonaffiliates so they can market to 
                                       limitations on interest and fees. For Accounts opened on  must notify us to revoke an Authorized User�s permission to  have already corrected the error.  have already corrected the error.  owe an amount and you do not pay, we may report you as  While we investigate, the same rules apply to the disputed  above.   companies that together market financial products or 
        provide will survive termination of your Account. To opt  residential or business number, even if that number is on  number, even if that number is on a Do Not Call list, is  SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN  6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER  PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS  While we investigate whether or not there has been an error: you. 
        out of these contacts, you may call Customer Service at  a Do Not Call list, is a wireless, cellular or mobile number;  a wireless, cellular or mobile number; is converted to  or after October 3, 2017, if you are a Covered Borrower as  use your Account. If you do so, we may close the Account and  24. Military Lending Act Compliance: This Agreement  delinquent. amount as discussed above. After we ?nish our investigation, 
                                                                       YOUR PREMISES OR COMMIT ANY BREACH OF THE                       While we investigate, the same rules apply to the disputed                                                                      services to you. 
                                                                       THE ADDRESS OF THE SELLER, WHICH MAY BE HIS  AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS        �  We cannot try to collect the amount in question, or  2.  Within 90 days of receiving your letter, we must either  2.  Within 90 days of receiving your letter, we must either   
                                                                                                                                                                                                                                                                          
                                       determined in accordance with the safe harbor provisions in  issue a new Card or Cards with a different Account number. shall be interpreted to comply with the Military Lending  correct the error or explain to you why we believe the bill  correct the error or explain to you why we believe the bill  we will tell you of our decision. At that point, if we think you 
        is converted to a mobile/wireless number; or connects          PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS                   amount as discussed above. After we ?nish our investigation,  Questions? 
        1-866-875-0891. a mobile/wireless number; or connects to any type of  MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU  AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A  report you as delinquent on that amount. 
                                                                                                                                       owe an amount and you do not pay, we may report you as                                             Joint marketing              �  A formal agreement between nonaffiliated financial  Kay� Jewelers and Kay� Jewelers Outlet does 
        to any type of mobile/wireless device.  You agree that  mobile/wireless device. You agree that any consent you  the Military Lending Act and its implementing regulations:  Act, including its restrictions on permissible loan terms and  we will tell you of our decision. At that point, if we think you 
                                                                       NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR  AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS    �  The charge in question may remain on your statement,  is correct. is correct.  
                                       24. Military Lending Act Compliance: This Agreement  PURCHASE UNDER THIS AGREEMENT IF IT HAS BEEN 
                                                                                                                                       owe an amount and you do not pay, we may report you as                                                                          companies that together market financial products or 
        19. Governing Law: This Agreement and your Account  (a) Section 10 regarding arbitration shall not apply to you;  limitations on interest and fees. For Accounts opened on  delinquent.                                                                           not joint market. 
        any consent you provide will survive termination of  provide will survive termination of your Account. To opt  BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM  AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A 
                                       shall be interpreted to comply with the Military Lending  SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN  While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: and we may continue to charge you interest on that   
        and any claim, dispute, or controversy arising from or  your Account, and shall inure to the bene?t of any of  out of these contacts, you may call Customer Service at  (b) any interest or fees in excess of the permitted limit shall  or after October 3, 2017, if you are a Covered Borrower as  delinquent. services to you. 
                                                                       PURCHASE UNDER THIS AGREEMENT IF IT HAS BEEN    �  We cannot try to collect the amount in question, or  amount.                                                                                                                   0300-30S-5678 0300-30S-5678 60006 60006
                                       Act, including its restrictions on permissible loan terms and  SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF  THE ADDRESS OF THE SELLER, WHICH MAY BE HIS    �  We cannot try to collect the amount in question, or            
        our agents, successors or assigns.  To opt out of these  1-866-875-0891. determined in accordance with the safe harbor provisions in  SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN  MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU  report you as delinquent on that amount.  R: 8/19
                                                                                                                                                                                                                                                                       �  Kay� Jewelers and Kay� Jewelers Outlet does 
                                       the Military Lending Act and its implementing regulations:                                                                                                                                          
                                                                       NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR    �  The charge in question may remain on your statement, 
        19. Governing Law: This Agreement and your Account  (a) Section 10 regarding arbitration shall not apply to you;                                                                                                                                                  not joint market. 
                                                                       BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM  and we may continue to charge you interest on that                                                                                                    
       418595_Genesis 60006_Kay new_Rev3.indd   2 and any claim, dispute, or controversy arising from or  (b) any interest or fees in excess of the permitted limit shall 
                                                                       SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF  amount.                                                                                                            
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