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  of the purchase price (less any down payment) multiplied  your Account, or this Agreement as well as any related or  will not have the right to litigate the Claim in court. This  However, an arbitrator cannot enlarge his or her authority  Fee. The maximum fee is set forth below. The fee charged  12. Security Interest: You grant us a purchase money 
                                                                         so, you must pay us for all charges made by those persons.  or her dependent may not exceed an annual percentage rate  balance will never exceed the Regular Balance. by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  prior agreement that you may have had with us or the  means (1) there will be no jury trial on the Claim, (2)  over the adjudication of Claims beyond that provided by this  generally will be the highest amount permitted by law. This  security interest in each item of merchandise purchased 
        Interest Rates and Interest Charges                              See Paragraph 23 for details. When you sign the Application  of 36 percent. This rate must include, as applicable to the  whichever is greater). The minimum payment will never be  relationships resulting from this Agreement, including the  there will be no pre-arbitration discovery except as the  arbitration provision by enforcing only part of this arbitration  means that the fee generally will not exceed the amount of  on your Account to secure its unpaid purchase price 
                                                                                                                                          If your billing statement shows a promotional balance (such 
                                                                         for this Account, you will be agreeing to everything written  credit transaction or account: The costs associated with  more than the remaining promotional purchase balance.  validity, enforceability or scope of this arbitration provision or  Administrator�s rules permit, and (3) no Claim may be  provision. If an arbitrator determines that applicable law  the required minimum payment due immediately prior to the  (except in CT, MO (on any purchase under $150.00), and 
                                                                                                                                          as a �No Interest� balance, a �Reduced Interest Rate� balance, 
                                                                         here. Therefore, before you sign the Application, you should  credit insurance premiums; fees for ancillary products sold  However, if the promotion speci?es a minimum purchase  the Agreement. Claims arising in the past, present, or future,  arbitrated on a class-action, private attorney general, or  requires this arbitration provision to be enforced in a way that  assessment of the fee. In addition, the ?rst time you pay late,  NY (on any purchase under $200.00)) until such item 
        Annual Percentage Rate   17% to 26.99%. This APR varies by state.                                                                 and/or an �Eighteen (18) Month� balance), the minimum 
                                                                         read this entire Agreement. The information you provide  in connection with the credit transaction; any application fee  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 will not exceed $27.00. If you pay late again during the  of merchandise is paid for in full (in NY, not to exceed 
                                                                         on the Application that identi?es you is incorporated in         payment for this balance shall be calculated as speci?ed in                                                                                                                State          Maximum Late Payment Fee  
        (APR) for Purchases  See Paragraph 3 of the Retail Installment Credit Agreement                  charged (other than certain application fees for speci?ed        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  We apply the  ANNUAL 
                                                                                                                                                                                                                                                                            If you reside in               next six billing cycles, the fee will not exceed $37.00.  ?ve (5) years from date the purchase is posted to your 
                                                                         this Agreement by reference. This Agreement will not be          Paragraph 7. There shall be no separate, additional minimum 
                                                                                                         credit transactions or accounts); and any participation fee      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   AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the 
                           for details.                                                                                                                                                                                                                                                                                                    Account). Solely for the purpose of determining the extent 
                                                                                                                                          payment component for a non-regular, non-promotional                                                                              the state of:  
                                                                         effective unless and until we approve your Application. charged (other than certain participation fees for a credit  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  State  MN, MS, NV, NH, NY, ND,  Maximum Late Payment Fee   outstanding balance is $249.99 
                                                                                                                                                                                                                                                                                                                                           of our purchase money security interest in each such item 
                                                                                                                                          balance unless we provide you notice of such a requirement.                                                                  If you reside in  
                                                                         2. Balances: Each transaction or group of transactions  card account).                           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   AK, AR, CT, HI, LA, MD, MI,  OH, OR, PA, SD, WI  $37.00 (except $29.00 if the  or less) 
                                                                                                                                                                                                                                                                       the state of:                                                       of merchandise, your payments will be allocated ?rst to 
        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  7. Promotional Terms: At our sole discretion, we may offer  ?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  periodic rate of:   1.75% to $750.00   RATE  21%  MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99  5% of amount past due but not 
                                                                                                         To receive this disclosure and a description of your pay-        Eighteen (18) Month Plan. If any single purchase is                                               AL                                                             any unpaid insurance premium, next to any unpaid Late 
                                                                                                                                                                                                                                                                                                            OH, OR, PA, SD, WI  or less) 
                           cycle. We will not charge you interest on purchases if you pay  duration) shall be considered part of the same balance. The  you promotional terms for a new purchase or for an existing  this arbitration provision, �you� and �us� also includes any  Administrator�s rules or other provisions of this Agreement,  1.5% over $750.00  18%  AL  more than $37.00 and not less  Payment Fees, any unpaid Returned Payment Fees, any 
        Interest on Purchases                                                                            ment obligation under this agreement orally, please call         designated as purchased under the �Eighteen Month Plan�,         D. The party initiating an arbitration shall select an  1.75% to $750.00   21%  5% of amount past due but not 
                                                                         balance subject to the Regular APR and the other regular         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  unpaid Interest, and any other unpaid fees or charges, 
                           your entire balance by the due date each month.                               1-866-875-0891.                                                  no Interest will be imposed on the promotional purchase for      Administrator from the organizations listed above. If none of  AR  1.5% over $750.00  1.4167%  18%  17%  AL  more than $37.00 and not less 
                                                                         terms set forth in this Agreement is your Account�s regular      promotional offer and this Agreement. Below is a description     assigns, any purchaser of any accounts, all agents, employees, 
                                                                                                                                                                                                                                           the Administrators listed above will accept the arbitration,                             $10.00 (except $5.00 if the  then to pay off each purchase in the order in which the 
                                                                                                                                                                          the ?rst twelve (12) months if you make all required minimum                                     11. Fees:   CO, GA, IN,                        than $18.00 
                                                                         balance. We calculate your total regular balance each billing  4. How to Avoid Paying Interest on Purchases: Your  of some of the promotional terms that we may offer in our  directors and representatives of any of the foregoing, and  AR  1.4167%  17%  AZ, KS  minimum payment is $5.00 to 
                                                                                                                                                                          payments by the end of the 12th month. If we do not receive      the arbitration will be administered by an administrator, or  A. Returned Payment Fee: If any check, instrument, or  purchase was made.
                                                                                                                                                                                                                                                                                                                          $10.00 (except $5.00 if the 
                           None to $1. The minimum interest charge varies by state. See  cycle by taking the regular balance for the prior billing  due date is at least 25 days after the close of each billing  sole discretion from time to time. other persons referred to below in the de?nition of �Claims�.  CO, GA, IN,  MS, OK, TN,  1.75%  21% 
        Minimum Interest Charge                                                                                                                                           all required minimum payments by the end of the 12th month,      adjudicated by an arbitrator, upon which you and we agree in  electronic authorization used to pay us is not honored upon  AZ, KS  minimum payment is $5.00 to  $25.00) 
                                                                         cycle, adding any regular purchases, fees, Interest Charges,  cycle. We will not charge you Interest in any billing cycle         �Claim� includes claims of every kind and nature, including  MS, OK, TN,  TX, VT, WY  1.75%  21%                                13. Default/Collection Costs: If you fail to pay any 
                           Paragraph 5 of the Retail Installment Credit Agreement for details.                                            No Interest If Paid in Full Plans. If any single purchase  or if we do not receive a required minimum payment within 60  writing. The arbitration shall be governed by the procedures  ?rst presentment, (for residents of MD, second presentment),  CA, CO, DC, IA  $25.00)  $15.00 
                                                                         other ?nance charges, and other debits, and subtracting  in which payments received (and if required by law, credits                                                                          TX, VT, WY 
                                                                                                                                                                                                           but not limited to initial claims, counterclaims, cross-claims,  DC, MD   2.0%        24%                                       minimum payment when due, or if the prospect of 
                                                                                                                                                                                                                                                                                                            CA, CO, DC, IA  $15.00 
                                                                                                                                          is designated as purchased under a no interest if paid in  days of its due date, Interest will be charged to your account  and rules of the Administrator and this Agreement, which  even if the check, instrument or electronic authorization  DE, NM, TN, VT  None 
                                                                         any payments or other credits, as of the closing date for  issued) by the due date equal or exceed the New Balance,               third-party claims, and claims based upon contract, tort,   DC, MD  2.0%       24%                                              payment, performance, or realization of collateral is 
                                                                                                                                          full plan, you will pay no Interest on that balance if the  at the Regular APR from the promotional purchase date. After  need not apply federal, state or local rules of procedure  is later honored, we may charge you a Returned Payment  HI, MA, MN, NC  1.5%  18%  DE, NM, TN, VT  FL, MT, NJ, TX  None  $10.00 
                           To learn more about factors to consider when applying for or  that billing cycle. Balances subject to promotional terms  including any promotional plan balances, shown on your  fraud, and other intentional torts, statutes, regulations,  HI, MA, MN, NC                                                     signi?cantly impaired, to the extent permitted by applicable 
        For Credit Card Tips from                                                                                                         promotional purchase is paid in full in the designated  the ?rst twelve (12) months, we will use the speci?ed reduced  and evidence. The Administrator�s procedures and rules  Fee. Except as set forth for speci?ed states below, this fee is  1.5%  18%  FL, MT, NJ, TX  $10.00 
                                                                         are promotional balances. We calculate the total of any                                                                                                                                            MI, NY, OH, WV  2.0825%  24.99%          GA             $25.00 
                                                                                                         billing statement.                                                                                common law, and equity. Claims and remedies sought as                                                                           law it will be a default, and, subject to any right you may 
                                                                                                                                          promotional time period (which may be 6 months, 12                                                                           MI, NY, OH, WV 
                                                                                                                                                                          APR (the �Promotional APR�), in lieu of the Regular APR, to      may limit the discovery available to you or us. You can  up to $37.00. The fee charged generally will be the highest  2.0825%  24.99%  GA  $25.00 
                           using a credit card, visit the website of the Consumer Financial 
        the Consumer Financial                                           promotional balance by adding the promotional purchase                                                                            part of a class action, private attorney general action, or               1.75% to $499.99                               Greater of 5% of amount past 
                                                                                                                                                                                                                                           obtain a copy of an Administrator�s procedures and rules  amount permitted by law, subject to the speci?ed maximum.  1.75% to $499.99  21%  Greater of 5% of amount past  have under state law to receive notice of and to cure such 
                                                                         for that balance and subtracting any payments allocated  5. Calculation of Interest: In all states except MN and NM,  months, or another period speci?ed in the promotion). If  calculate Interest for the next six (6) months. The Promotional  NE  1.5% for $500.00 and  21%  ID  due or $15.00 (but not to 
                           Protection Bureau at:                                                                                                                                                           other representative action are subject to arbitration on an                                                                    default, we may declare the entire unpaid balance on the 
        Protection Bureau                                                                                we calculate Interest Charges using the average daily balance                                                                     by contacting the Administrator. A single, neutral arbitrator  NE  This means that the fee generally will not exceed the amount  1.5% for $500.00 and  ID  due or $15.00 (but not to 
                                                                                                                                                                                                                                                                                                 18% 
                                                                         to that promotional balance or other credits. You authorize      the promotional purchase balance is not paid in full by the  APR will return to your Regular APR at the expiration of the                  more  18%                            exceed $37.00)  exceed $37.00) 
                                                                                                                                                                                                           individual (non-class, non-representative) basis, and the           more                                                        Account due and payable (except in WI you will not be 
                           http://www.consumer?nance.gov/learnmore.      us to allocate any payment or credit among your regular  method (including current transactions). In MN and NM, we  end of the designated promotional period, or if we do not  six month period or if we do not receive a required minimum  will resolve Claims. The arbitrator will be either a lawyer with  of the required minimum payment due immediately prior 
                                                                                                                                                                                                           arbitrator may award relief only on an individual (non-class,    All other states   2.2491%  26.99%            Greater of 5% of amount past  Greater of 5% of amount past  in default until you fail to make a minimum payment on 
                                                                         and promotional balances, in any manner, including in a  calculate Interest Charges using the average daily balance  receive a required minimum payment within 60 days of its                 All other states   2.2491%  to the date on which the payment is returned. In addition,  26.99% 
                                                                                                                                                                          payment within 60 days of its due date. See Paragraph 3 for      at least ten years experience or a retired or former judge, 
                                                                                                                                                                                                           non-representative) basis. �Claim� also includes claims by or                                    IL, KY, WY  IL, KY, WY  due or $10.00 (but not to  due or $10.00 (but not to  two occasions within a twelve (12) month period). We 
                                                                         manner that may be bene?cial to us, except where otherwise  method (excluding current transactions). We calculate                                                                                 the ?rst time you make a payment that is returned, the fee 
                                                                                                                                          due date, Interest will be charged to your account at the  details. The required minimum payment for the promotional  selected in accordance with the rules of the Administrator. 
        Fees                                                                                                                                                                                                                                                                                                              exceed $37.00)  exceed $37.00)  also may repossess any article of merchandise in which 
                                                                                                                                                                                                           against any third party relating to or arising from your Card, 
                                                                         prohibited by applicable law. The total of your regular balance  Interest separately for each balance on your Account subject                                                                     will not exceed $27.00. If you make another payment that 
                                                                                                                                          Regular APR from the promotional purchase date. Unless  balance will be 1/18th of the promotional purchase multiplied  In the event of any con?ict or inconsistency between this 
                                                                                                                                                                                                           your Account, or this Agreement. The term �Claim� is to be                                       IN 
                                                                                                                                                                                                                                           arbitration provision and the Administrator�s rules or other  is returned during the next six billing cycles, the fee will not  IN  $18.50   $18.50   we still retain a security interest, but we will do so only 
                                                                         and any promotional balances is the �New Balance� shown  to different terms (including APR and duration). We ?gure the  the promotion states that there is no separate promotional  by 1.030 and rounded up to the nearest $5.00, but not less 
                                                                                                                                                                                                           given the broadest possible meaning that will be enforced.                                                     Lesser of 5% of amount past  in the manner and to the extent permitted by applicable 
         Annual Fee        None                                          on your statement.              Interest Charges by applying the applicable monthly periodic  minimum payment, the required minimum payment for the  than $150.00 or not less than $250.00, based on the terms  provisions of this Agreement, this arbitration provision will  exceed $37.00. ME  Lesser of 5% of amount past 
                                                                                                                                                                                                                                                                       State       Maximum Returned                  ME   due or $10.00 
                                                                                                                                                                                                           �Administrator� means the American Arbitration Association,                                                                     law. If the Account is referred to an attorney who is not 
                                                                                                         rate to the �average daily balance� for that balance. To get the  promotional balance will be the amount of the promotional  of the offer. govern. The arbitrator will take reasonable steps to protect  State  Maximum Returned  due or $10.00 
                                                                         3. Your Regular Annual Percentage Rate: If Interest Charges                                                                                                                                               Payment Fee                            Lesser of 10% of outstanding 
                                                                                                                                                                                                           335 Madison Avenue, New York, NY 10017, www.adr.org,                                                                            our salaried employee and we bring a suit against you to 
                                                                                                         average daily balance for a balance, we take the beginning                                                                                                                                         MA 
                                                                                                                                          purchase divided by the promotional period, rounded up                                           customer account information and other con?dential  Payment Fee 
        Penalty Fees                                                     (which are FINANCE CHARGES) are assessed during a billing                                                                                                                                                                                        balance or $10.00  Lesser of 10% of outstanding 
                                                                                                                                                                          8. Payments: All payments must be mailed or delivered to  (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine,  AK, KY, LA, ME, NH,  $37.00  MA            collect the amount you owe, in addition to the full amount 
                           Up to $37. This fee varies by state. See Paragraph 11.B of the                balance each day, add any new transactions (except we do                                                                          information if requested to do so by you or us. Arbitration  AK, KY, LA, ME, NH,  $37.00  balance or $10.00 
                                                                         cycle, we will use the following Annual Percentage Rate (the     to the nearest $5.00 increment. However, if the promotion                                                                    ND, OH, SD, VA, WA,                                $10.00 (except $5.00 if the 
                                                                                                                                                                          us at the address shown on the front of the billing statement  CA 92614, www.jamsadr.com, (949) 224-1810.                                                        owed and any court costs, you agree to pay our reasonable 
                                                                         �Regular APR�) and corresponding monthly periodic rate,  not add in any new transactions in MN and NM); subtract  speci?es a minimum purchase amount, in no case will the  hearings for Claims by or against you will take place in the 
                                                                                                                                                                                                                                                                       WI   ND, OH, SD, VA, WA,             MO            minimum payment is $5.00 to  $10.00 (except $5.00 if the 
        � Late Payment                                                                                                                                                                                                                                                                                                                     attorney�s fees to the extent permitted by applicable law. 
                           Retail Installment Credit Agreement for details.                                                                                               and accompanied by the payment slip. You must pay us in 
                                                                                                         any payments or credits and any Late Payment Fees, any  minimum payment be less than the minimum purchase                         federal judicial district in which you reside. If you make a 
                                                                         subject to any promotional terms:                                                                                                 B. We OR you have the right to require that each Claim be   AL, AR, HI, KS, MN,  WI  $30.00               MO   $24.99)   minimum payment is $5.00 to  Notice to New Hampshire Residents: We will pay your 
                                                                                                                                                                          U.S. dollars drawn on funds on deposit in the United States 
                                                                                                         Returned Payment Fees, and/or unpaid Interest Charges;                                                                            request to us in writing, we will temporarily advance to you   
                                                                                                                                          amount divided by the promotional period, which may              resolved by arbitration on an individual (non-class, non-   MT, SC, TN, TX    AL, AR, HI, KS, MN,  $30.00      Greater of 5% of amount past  $24.99)  reasonable attorney�s fees if you prevail in a suit we bring 
                           Up to $37. This fee varies by state. See Paragraph 11.A of the                                                                                 using a check or similar instrument that will be processed       the ?ling, administrative, and hearing fees for the arbitration  NE            due or $5.00 (but not to exceed 
        � Returned Payment                                                                               and make other adjustments. This gives us the daily balance.  shorten your repayment period in certain instances. The  representative) basis. A Claim will be arbitrated if (1) both we  MT, SC, TN, TX   
                                                                                                                                                                          and honored by your bank. Do not send cash payments. We                                      AZ, CO, IL, IN, MI, NV,  $25.00                              Greater of 5% of amount past  against you or if you prevail in a suit you bring against us 
                                                                                                                                                                                                                                           of your Claim against us (but not if the Claim is against you) 
                           Retail Installment Credit Agreement for details.       We apply the  ANNUAL   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  and you or (2) only one or the other of we or you, exercise the  $37.00) 
                                                                                                                                                                                                                                                                                                                     NE             due or $5.00 (but not to exceed 
                                                                         If you reside in                                                                                 can accept late or partial payments, as well as payments that                                NC, OK, RI, WV                                                      under this Agreement. If you successfully assert a partial 
                                                                                                                                                                                                                                           in excess of any ?ling fee you would have been required to  AZ, CO, IL, IN, MI, NV,  $25.00 
                                                                                  monthly    PERCENTAGE   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  right to require that the Claim be arbitrated. If, for example,  $10.00 (except $5.00 if the 
                                                                         the state of:                                                                                    re?ect �paid in full� or other restrictive endorsements, without                                                                                          $37.00)  defense or counterclaim, the court may withhold part or 
                                                                                                                                                                                                                                           pay to ?le the Claim in a state or federal court (whichever is  CA, MD, MO  NC, OK, RI, WV  $15.00  NC  outstanding balance is under 
                                                                                  periodic rate of:   RATE  gives us the average daily balance. Any negative daily balance  MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99  there is no separate promotional minimum payment, then  we exercise our right to require that the Claim be resolved by 
      How We Will Calculate Your Balance: We use a method called �average daily balance (including new                                                                    losing any of our rights under this Agreement. We credit your                                                                                                    all of any attorney�s fees to which we may be entitled.
                                                                                                                                                                                                                                           less) in the judicial district in which you reside. At the end of              $100.00)  $10.00 (except $5.00 if the 
                                                                                                         will be treated as zero. If Interest Charges are imposed and  OH, OR, PA, SD, WI  or less)  the amount of the promotional balance will be included in  arbitration but you do not also exercise your right to require  CT, ID, IA, NJ, NY, UT  $20.00 
                                                                                                                                                                          payments in accordance with our payment instructions on the                                       CA, MD, MO   $15.00 
                                                                                                                                                                                                                                           the arbitration, the arbitrator will decide if you have to repay          NC             outstanding balance is under 
      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  your regular balance for the purpose of calculating your  that the Claim be arbitrated, the Claim will be resolved by  FL  Greater of 5% of amount of  The greater of 5% of the unpaid 
                                                                                  1.75% to $750.00   21%                                                                                                                                                                                                                                   14. Down Payments, Limiting Your Credit, or Closing 
                                                                                                                                5% of amount past due but not             billing statement.                                                                                                                                        $100.00) 
                                                                         AL                                                                                                                                                                the advance (and if you do have to repay, you agree to do  CT, ID, IA, NJ, NY, UT 
                                                                                                         calculation to each balance is less than $1.00, we will impose  minimum payment.                  arbitration. If neither we nor you request arbitration, the Claim       payment or $25.00 (max  $20.00  OK     amount of the installment or 
      purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details.                                                                                                                                                                                                                                              Your Account: You have the right to close your Account 
                                                                                  1.5% over $750.00  18%         AL             more than $37.00 and not less                                                                              so). Unless applicable law requires otherwise, we will pay 
                                                                                                         a minimum Interest Charge of $1.00 (which is a FINANCE                                                                                                             FL     $37.00)  Greater of 5% of amount of    $24.50 (not to exceed $37.00) 
                                                                                                                                                                          9. Legal Notices: All notices, including notices relating to                                                                                              The greater of 5% of the unpaid 
                                                                                                                                                                                                           will not be resolved by arbitration and instead will be litigated                                                               at any time, for any reason. You will still be liable for any 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is                    than $18.00  Reduced Rate Plans. If any single purchase is designated as                                   our, and you will pay your, lawyers�, experts�, and witnesses�  GA  Greater of 5% of amount of  payment or $25.00 (max  RI 
                                                                                                         CHARGE); except in MI, MO, NY, TN, and TX, where we will                                                                                                                                                    OK   $12.00    amount of the installment or 
                                                                         AR       1.4167%    17%                                                                          legal actions, bankruptcy notices, and any notice to us that  in court. We will not elect arbitration for any Claim you ?le                                      balances owed. We may limit or terminate the use of your 
                                                                                                                                          purchased under a reduced rate plan, we will calculate the                                       fees. The arbitrator will apply applicable substantive law  payment or $30.00 (max  5% of amount past due, but not 
      provided in your Retail Installment Credit Agreement.                                              impose a minimum Interest Charge of $0.70 (which is a  $10.00 (except $5.00 if the  you are represented by counsel in connection with your debt                                                                            $24.50 (not to exceed $37.00) 
                                                                                                                                                                                                           in small claims court, so long as the Claim is individual and                 $37.00) 
                                                                                                                                                                                                                                                                                   $37.00)                                                 Account and/or raise or lower your credit limit at any 
                                                                         CO, GA, IN,                                                      Interest for the promotional balance by using an APR that                                                                                                         SC            more than $18.00 and not less 
                                                                                                         FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  AZ, KS  minimum payment is $5.00 to                                      consistent with the FAA and applicable statutes of limitations, 
                                                                                                                                                                          to us, must be sent to us at Genesis FS Card Services, P.O. Box  pending only in that court. The arbitrator�s authority to resolve  GA  Greater of 5% of amount of  RI  $12.00  time and for any reason without advance notice to you. 
                                                                         MS, OK, TN,  1.75%  21%                                          is less than your Regular APR (the �Promotional APR�), in                                        will honor claims of privilege recognized at law, and will have  OR  $35.00    than $7.20  
                                                                                                         MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  $25.00)  4485, Beaverton, OR 97076-4485. If these notices are sent to                                                 payment or $30.00 (max 
      KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT                                                                                                                             Claims is limited to Claims between you and us alone, and                                                                5% of amount past due, but not  On some transactions, we may require a down payment. 
                                                                         TX, VT, WY                                                       lieu of the Regular APR during the speci?ed promotional                                          the power to award to a party any damages or other relief  DC, DE, MA, MS, NE,  None  Greater of 5% of amount past 
                                                                                                         a minimum Interest Charge of $0.50 (which is a FINANCE  CA, CO, DC, IA  $15.00  any other address, it will not satisfy any notice requirement  the arbitrator�s authority to make awards or decisions is  $37.00) 
                                                                                                                                                                                                                                                                       NM, PA, VT, WY                                SC             more than $18.00 and not less  Some purchases will require our prior authorization, in 
                                                                                                                                          period (which may be 6 months, 12 months, or some other                                                                                                           UT            due or $30.00 (but not to 
                                                                         DC, MD   2.0%       24%                                                                                                                                           provided for under applicable law. The arbitrator will make 
      In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer  CHARGE). Furthermore, there is no minimum Interest Charge  DE, NM, TN, VT  None  under this Agreement or any other legal requirement that you  limited to you and us alone. Furthermore, Claims between  OR  $35.00 
                                                                                                                                                                                                                                                                                                                          exceed $37.00)  than $7.20   which case you may be asked to provide identi?cation. 
                                                                                                                                          period speci?ed by us). The Promotional APR will return to                                       any award in writing and, if requested by you or us, will 
      to any person who signs the Application for this Account or this Agreement, or has requested and is issued a Kay Jewelers and Kay  in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us 
                                                                         HI, MA, MN, NC  1.5%  18%                                                                        provide notice to us.            you and us may not be joined or consolidated in arbitration 
                                                                                                                 FL, MT, NJ, TX  $10.00                                                                                                                                     DC, DE, MA, MS, NE,  None 
                                                                                                                                          your Regular APR at the expiration of the promotional period                                                                                                                    5% of amount of installment (but  Greater of 5% of amount past  If our authorization system is not working, we may 
                                                                                                                                                                                                                                           provide a brief statement of the reasons for the award.
      Jewelers Outlet credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O.  to round any calculation used to determine Interest Charges,     with Claims brought by or against someone other than you,                                        VA 
                                                                                                                                                                                                                                                                            NM, PA, VT, WY                           UT   not to exceed $37.00)  due or $30.00 (but not to  not be able to authorize a transaction, even if you have 
                                                                         MI, NY, OH, WV  2.0825%  24.99%         GA             $25.00    or if we do not receive a required minimum payment within  10. Arbitration for Disputes � No Jury Trials or Class 
      Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or  including rounding that may cause minor variations in our               unless otherwise agreed to in writing by all parties. However,  E. Judgment upon the arbitrator�s award may be entered in       suf?cient available credit. We will not be liable to you if 
                                                                                                                                          60 days of its due date. See Paragraph 3 for details. Unless  Actions: This paragraph describes how all Claims (as de?ned                                                       $37.00 (except 10% of the  exceed $37.00) 
      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  favor. The applicable monthly periodic rate for a balance is  Greater of 5% of amount past  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  this happens. We are not responsible for the refusal of 
                                                                                             21%                                          the promotion states that there is no separate promotional  in subparagraph A below) will be arbitrated, at the election of                                                     average daily balance for prior  5% of amount of installment (but 
      will be governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has apparent  NE  1.5% for $500.00 and  the applicable Annual Percentage Rate divided by twelve (12),  ID  due or $15.00 (but not to  Account, or corporate af?liates are considered one person  any claims will be ?nal and binding, except for any appeal  regular balance. WA  VA  30-day period, but not less than  anyone to accept or honor a Card associated with this 
                                                                                             18%                                          minimum payment, the required minimum payment for  you or us, on an individual (non-class, non-representative)                                                                            not to exceed $37.00) 
      authority to do so. �Card� means any access device or method by which the Account may be accessed, including the Account  more  and rounded to the fourth decimal place. exceed $37.00)              for the purposes of this paragraph. No arbitration award  right under FAA. The appealing party will pay the appeal costs.  $2.00, if the balance is less than  Account. All Cards we issue remain our property and, if 
                                                                                                                                          the promotional balance will be the promotional balance  basis instead of litigated in court. If you are a �Covered              B. Late Payment Fee: If we do not receive your minimum   
                                                                                                                                                                                                                                                                                
      number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are 
                                                                                                                                Greater of 5% of amount past                                               will have any preclusive effect as to issues or claims in any  This agreement to arbitrate shall survive any suspension,  Buyer    Signature $100.00)  $37.00 (except 10% of the  requested, you agree to return any Card issued to you. 
                                                                         All other states   2.2491%  26.99%  6. Minimum Payment: You agree to pay at least the  divided by the number of months in the promotional period,  Borrower� as determined in accordance with the safe harbor  payment by its due date (or within seven (7) days in VA; 
      calculated pursuant to Paragraph 5.                                                                                                                                                                  dispute involving anyone who is not a party to the arbitration.  termination, revocation or closure of the Agreement or your  5% of amount past due, but not  average daily balance for prior  We may, at our discretion, permit you to make a purchase 
                                                                                                         �Minimum Payment� shown on your billing statement on or  IL, KY, WY  due or $10.00 (but not to  multiplied by a factor based on the applicable Reduced APR,  provisions in the Military Lending Act and its implementing  within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN,  WV 
                                                                                                                                                                                                                                           Account, and any bankruptcy to the extent consistent with                 WA   to exceed $30.00  30-day period, but not less than 
                                                                                                                                                                                                           This arbitration provision is made pursuant to a transaction 
      1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under the  before its due date. Your total Minimum Payment is the sum  exceed $37.00)  and rounded up to the nearest $5.00 increment or $30.00,  regulations, you are not required to submit to arbitration. KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;  in excess of your stated credit limit. If we do so, this will 
                                                                                                                                                                                                                                                                                      
                                                                         Federal law provides important protections to members                                                                                                                                                                                                      $2.00, if the balance is less than 
                                                                                                                                                                                                           involving interstate commerce and will be governed by the  applicable bankruptcy law.
                                                                                                                                                                                                                                                                      Seller-Creditor  within ?fteen (15) days in CA, ME, and MA; within twenty-   not permanently increase your credit limit. To request the 
      terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions incurred by  of any minimum payment for your regular balance and for any 
                                                                         of the Armed Forces and their dependents relating to  IN  $18.50   whichever is greater. For example, if the promotion has an 
                                                                                                                                                                          A. The term �Claim� means any claim, dispute, or controversy                                     Buyer                                                    $100.00) 
                                                                                                                                                                                                           Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.).                             Signature                                   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.  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,  one (21) days in TX; within thirty (30) days in NC; and  We will add any Late Payment Fee to your Account�s regular 
                                                                         extensions of consumer credit. In general, the cost of  Lesser of 5% of amount past              between you and us arising from or relating to your Card,                                        within forty (40) days in RI), we will impose a Late Payment    balance. 5% of amount past due, but not  Service at 1-866-875-0891.
      You may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have  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.  WV 
                                                                                                                                due or $10.00                                                                                                                                                                                       to exceed $30.00 
                                                                         State        Maximum Returned 
                                                                                                                                                                                                                                                                                                              
                                                                                      Payment Fee                               Lesser of 10% of outstanding 
                                                                                                                 MA                                                                                                                                                       Chris Klemann, Vice President Financial Services,   Seller-Creditor 
                                                                         AK, KY, LA, ME, NH,  $37.00                            balance or $10.00                                                                                                                     Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
     418595_Genesis 60006_Kay new_Rev2.indd   1                          ND, OH, SD, VA, WA,                                    $10.00 (except $5.00 if the                                                                                                                  P.O. Box 3680, Akron, OH 44309-3680                                                   8/23/17   1:28 PM
                                                                         WI                                      MO             minimum payment is $5.00 to 
                                                                         AL, AR, HI, KS, MN,  $30.00                            $24.99) 
                                                                                                                                                                                                                                                                                Chris Klemann, Vice President Financial Services, 
                                                                         MT, SC, TN, TX                                         Greater of 5% of amount past 
                                                                                                                                                                                                                                                                           Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                                                                 NE             due or $5.00 (but not to exceed 
                                                                         AZ, CO, IL, IN, MI, NV,  $25.00                                                                                                                                                                          P.O. Box 3680, Akron, OH 44309-3680 
                                                                                                                                $37.00) 
                                                                         NC, OK, RI, WV 
                                                                                                                                $10.00 (except $5.00 if the 
                                                                         CA, MD, MO   $15.00                     NC             outstanding balance is under 
                                                                         CT, ID, IA, NJ, NY, UT  $20.00                         $100.00) 
                                                                         FL           Greater of 5% of amount of                The greater of 5% of the unpaid 
                                                                                      payment or $25.00 (max     OK             amount of the installment or 
                                                                                      $37.00)                                   $24.50 (not to exceed $37.00) 
                                                                         GA           Greater of 5% of amount of  RI            $12.00 
                                                                                      payment or $30.00 (max                    5% of amount past due, but not 
                                                                                      $37.00)                    SC             more than $18.00 and not less 
                                                                         OR           $35.00                                    than $7.20  
                                                                         DC, DE, MA, MS, NE,  None                              Greater of 5% of amount past 
                                                                         NM, PA, VT, WY                          UT             due or $30.00 (but not to 
                                                                                                                                exceed $37.00) 
                                                                                                                                5% of amount of installment (but 
                                                                                                                 VA 
                                                                                                                                not to exceed $37.00) 
                                                                                                                                $37.00 (except 10% of the 
                                                                                                                                average daily balance for prior 
                                                                                                                 WA             30-day period, but not less than 
                                                                                                                                $2.00, if the balance is less than 
                                                                                   
                                                                        Buyer               Signature                           $100.00) 
                                                                                                                                5% of amount past due, but not 
                                                                                                                 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, 
                                                                                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  18%   AL           more than $37.00 and not less 
                                                                                                                                                    than $18.00 
                                                                                                       AR     1.4167%   17% 
                                                                                                                                                    $10.00 (except $5.00 if the 
                                                                                                       CO, GA, IN,                     AZ, KS       minimum payment is $5.00 to 
                                                                                                       MS, OK, TN,  1.75%  21%                      $25.00) 
                                                                                                       TX, VT, WY 
                                                                                                                                       CA, CO, DC, IA  $15.00 
                                                                                                       DC, MD  2.0%     24%            DE, NM, TN, VT  None 
                                                                                                       HI, MA, MN, NC  1.5%  18%       FL, MT, NJ, TX  $10.00 
                                                                                                       MI, NY, OH, WV  2.0825%  24.99%  GA          $25.00 
                                                                                                              1.75% to $499.99                      Greater of 5% of amount past 
                                                                                                                        21% 
                                                                                                       NE     1.5% for $500.00 and     ID           due or $15.00 (but not to 
                                                                                                                        18% 
                                                                                                              more                                  exceed $37.00) 
                                                                                                       All other states   2.2491%  26.99%           Greater of 5% of amount past 
                                                                                                                                       IL, KY, WY   due or $10.00 (but not to 
                                                                                                                                                    exceed $37.00) 
                                                                                                                                       IN           $18.50  
                                                                                                                                                    Lesser of 5% of amount past 
                                                                                                                                       ME 
                                                                                                       State      Maximum Returned                  due or $10.00 
                                                                                                                  Payment Fee                       Lesser of 10% of outstanding 
                                                                                                                                       MA 
                                                                                                       AK, KY, LA, ME, NH,  $37.00                  balance or $10.00 
                                                                                                       ND, OH, SD, VA, WA,                          $10.00 (except $5.00 if the 
                                                                                                       WI                              MO           minimum payment is $5.00 to 
                                                                                                       AL, AR, HI, KS, MN,  $30.00                  $24.99) 
                                                                                                       MT, SC, TN, TX                               Greater of 5% of amount past 
                                                                                                                                       NE           due or $5.00 (but not to exceed 
                                                                                                       AZ, CO, IL, IN, MI, NV,  $25.00 
                                                                                                                                                    $37.00) 
                                                                                                       NC, OK, RI, WV 
                                                                                                                                                    $10.00 (except $5.00 if the 
                                                                                                       CA, MD, MO  $15.00              NC           outstanding balance is under 
                                                                                                       CT, ID, IA, NJ, NY, UT  $20.00               $100.00) 
                                                                                                       FL         Greater of 5% of amount of        The greater of 5% of the unpaid 
                                                                                                                  payment or $25.00 (max  OK        amount of the installment or 
                                                                                                                  $37.00)                           $24.50 (not to exceed $37.00) 
                                                                                                       GA         Greater of 5% of amount of  RI    $12.00 
                                                                                                                  payment or $30.00 (max            5% of amount past due, but not 
                                                                                                                  $37.00)                                                                                                                
                                                                                                                                       SC           more than $18.00 and not less   
                                                                                                       OR         $35.00                            than $7.20                                                                           
                                     relating to this Agreement or your Account are governed, to  be reduced by the amount necessary to satisfy that limit  THE THIRD BUSINESS DAY FOLLOWING A PURCHASE  DC, DE, MA, MS, NE,  None 
      15. Change in This Agreement: To the extent permitted                                                                            �  While you do not have to pay the amount in question,  Greater of 5% of amount past   Rev. 10/17 
                                                                                                       NM, PA, VT, WY                  UT           due or $30.00 (but not to 
      by law, we may change any term of this Agreement,  the extent applicable, by U.S. federal law and the law of the  and any amounts collected in excess of the permitted limit  UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT. you are responsible for the remainder of your balance.   
                                                                                                                                                    exceed $37.00)                                                                      Page 2 
                                                                                                                                                                                 WHAT DOES KAY� JEWELERS AND KAY� JEWELERS OUTLET  
      including any Annual Percentage Rate or fee, as well  state of your billing address when this Account was opened  shall be refunded by crediting your Account or by making a    �  We can apply any unpaid amount against your credit 
                                                                                                                                                    5% of amount of installment (but 
                                                                                                                                       VA                              FACTS 
      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 
                                     or, for non-U.S. residents, the law of the state where the                                         limit.      not to exceed $37.00)        DO WITH YOUR PERSONAL INFORMATION?                                                    
      of the change to the extent required by law. If permitted       Agreement that is inconsistent with the Military Lending Act  INSTALLMENT CREDIT AGREEMENT.
                                     Account was opened (without regard to con?icts of laws                                                                                                                                             What we do 
                                                                                                                                     After we ?nish our investigation, one of two things will  $37.00 (except 10% of the 
                                                                                                                                                                                                                                                                       
      by applicable law, any new terms may at our option  principles), unless we receive written notice that you have  shall not apply to you.      average daily balance for prior 
                                                                                                                                     happen: 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  moved to another U.S. state pursuant to Paragraph 20. If                                $2.00, if the balance is less than 
      the time of change, as well as to any subsequent                Notice to Florida Residents: The Annual Percentage Rates        �  If we made a mistake: You will not have to pay the  Financial companies choose how they share your personal information.  Federal law 
                                                                                                                                                                       Why?                                                             Outlet protect my personal information?  unauthorized access and use, we use security 
                                     we receive notice of a change in your billing address, except    Buyer            Signature                    $100.00) 
      transactions.                                                   shown above are authorized by Chapter 655 of the Florida          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                                                      5% of amount past due, but not 
                                                                      Statutes.                                                        WV  to that amount.                       us to tell you how we collect, share, and protect your personal information.  Please 
                                     periodic rate) applicable to any outstanding balance, the                                                      to exceed $30.00                                                                                                  measures include computer safeguards and secured 
      16. Credit Investigation: You authorize us to investigate                                                                       
                                     terms applicable to the state of your new billing address will    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           Notice to Maryland Residents: This Account is governed by                                                                                                          
                                     apply to all balances on your Account after we receive written                                     to pay the amount in question, along with applicable                                                                           
      by making direct inquiries of businesses where you              Subtitle 9, Title 12 of the Maryland Commercial Law Article.                                                                                                      How does Kay� Jewelers and Kay� Jewelers  We collect your personal information, for example, 
                                     notice of your new address. Any Annual Percentage Rate (and                                        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 
      have accounts and where you work. We may request                                                                                                                 What?                                                            Outlet collect my personal information?  when you 
                                     corresponding monthly periodic rate) applicable to a balance                                       amount you owe and the date payment is due. We 
                                                                      Notice to Michigan Residents: The seller retains a security                                                service you have with us.  This information can include: 
      a consumer report from consumer reporting agencies                                                                                                                                                                                                               
                                     outstanding prior to noti?cation of a change in billing address      Chris Klemann, Vice President Financial Services,  may then report you as delinquent if you do not pay 
                                                                      interest in the subject matter of this Agreement.
      in considering your application for this Account or any                                          Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,  the amount we think you owe.  �  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.
      other account you have with us and later in connection                                                P.O. Box 3680, Akron, OH 44309-3680 
                                                                      Notice to Pennsylvania Residents: This is a Security Agreement.                                            �  Payment history and transaction history                                             information 
                                                                                                                                     If you receive our explanation but still believe your bill is wrong, 
      with an update, renewal, extension of credit or collection  20. Change of Address or Other Contact Information: You 
                                                                                                                                     you must write to us within 10 days telling us that you still  �  Credit history and credit scores                               �  pay your bills or apply for a loan 
      of the Account or any other account you have with us.  agree to notify us promptly in writing of any changes to your  Notice to Texas Residents: For questions or complaints   
                                                                                                                                     refuse to pay. If you do so, we cannot report you as delinquent                                                                  �  use your credit or debit card 
      Upon your request we will disclose whether a consumer  billing address, phone number, email address, and other  about this contract, contact Genesis FS Card Services  Your Billing Rights: Keep this Document for Future Use When you are no longer our customer, we continue to share your information as 
                                                                                                                                     without also reporting that you are questioning your bill. We                                                                         
      report was requested and the name and address of any  contact information. Until we receive written notice of your  at 1-866-875-0891. The Of?ce of Consumer Credit        described in this notice. 
                                                                                                                                     must tell you the name of anyone to whom we reported you                                                                         We also collect your personal information from 
      consumer reporting agency that furnished the report.  new billing address or email address, if you have elected to  Commissioner (OCCC) is a state agency, and it enforces  This notice tells you about your rights and our   
                                                                                                                                     as delinquent, and we must let those organizations know                                                                          others, such as credit bureaus, affiliates, or other 
      We may report information about your Account to  receive notices electronically, we will continue to send billing  certain laws that apply to this contract. If a complaint or  responsibilities under the Fair Credit Billing Act.
                                                                                                                                     when the matter has been settled between us. All financial companies need to share customers� personal information to run their  companies. 
      credit bureaus. Late payments, missed payments, or  statements and other notices to the address we have on ?le  question cannot be resolved by contacting the creditor,  How?                                                                                    
                                                                                                     What To Do If You Find A Mistake On Your Statement
      other defaults on your Account may be re?ected on               consumers can contact the OCCC to ?le a complaint or ask       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     
                                     for your Account. Subject to Paragraph 19, we deem you to 
                                                                                                                                     pay the ?rst $50.00 of the amount you question even if your                                        Why can�t I limit all sharing?  Federal law gives you the right to limit only 
      your credit report. If you believe that we have reported  reside at the billing address we have on ?le for the purpose of  a general credit-related question. OCCC address: 2601 N.  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:                                                                                                 
      inaccurate information to a consumer reporting agency,          Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.       bill is correct.
                                     applying terms that vary with your state of residence.                                                                                      Jewelers Outlet chooses to share; and whether you can limit this sharing. 
                                                                                                       Genesis FS Card Services                                                                                                                                       �  sharing for affiliates� everyday business purposes 
      write to us at Genesis FS Card Services, P.O. Box 4485,         Fax: (512) 936-7610. Website: occc.texas.gov. E-mail:          Your Rights If You Are Dissatis?ed With Your Credit Card   
                                                                                                       P.O. Box 4485                                                                                                                                                    � information about your creditworthiness 
      Beaverton, OR 97076-4485 and we will investigate the  21. Assignment: We may sell, transfer, or assign our rights or  consumer.complaints@occc.texas.gov. Purchases                               Does Kay� Jewelers 
                                                                                                       Beaverton, OR 97076-4485
      matter.                        obligations under this Agreement without prior notice to you.                                                                                                                       Can you limit                                �  affiliates from using your information to market to 
                                                                                                                                     If you are dissatis?ed with the goods or services that you  Reasons we can share your personal information  and Kay� Jewelers 
                                     You may not sell, transfer, or assign your rights or obligations  NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT  In your letter, give us the following information:                    this sharing?                                  you                                                                  CREDIT DISCLOSURES FOR THE 
      17. No Waiver by Us: We may, without notice to you,                                                                            have purchased with your credit card, and you have tried in          Outlet share? 
                                     under this Agreement or your Account. CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES    �  Account information: Your name and account number.   
                                                                                                                                     good faith to correct the problem with the merchant, you may                                                                     �  sharing for nonaffiliates to market to you 
      delay or refrain from enforcing our rights under this           WHICH THE DEBTOR COULD ASSERT AGAINST THE    �  Dollar amount: The dollar amount of the suspected error.  For our everyday business purposes �                                                                                                                           KAY JEWELRY ACCOUNT
                                                                                                                                                                                                                                                                       
                                                                                                                                     have the right not to pay the remaining amount due on the 
      Agreement without losing them (e.g., we may extend the  22. Liability for Unauthorized Use: You agree to notify us  SELLER OF GOODS OR SERVICES OBTAINED PURSUANT    �  Description of problem: If you think there is an error 
                                                                                                                                     purchase.                         such as to process your transactions, maintain your                                            State laws and individual companies may give you 
      time to make some payments without extending the time  promptly if your Card is lost or stolen, or of the unauthorized  HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY  on your bill, describe what you believe is wrong and 
                                                                                                                                                                       account(s), respond to court orders and legal  YES   NO                                        additional rights to limit sharing.  
      to make other payments, accept late or partial payments  use of your Card, by writing to us at Genesis FS Card Services,  HEREUNDER BY THE DEBTOR SHALL NOT EXCEED  why you believe it is a mistake. To use this right, all of the following must be true:       
                                                                                                                                                                       investigations, or report to credit bureaus  
      without waiving our right to have future payments made  P.O. Box 4480, Beaverton, OR 97076-4480 or by calling us at  AMOUNTS PAID BY THE DEBTOR HEREUNDER.                                                                         
                                                                                                     You must contact us:              1.  The purchase must have been made in your home state                                           
      when they are due, and/or waive any charge or fee without  1-866-875-0891. If you orally give us notice, you agree to 
                                                                                                      � Within 60 days after the error appeared on your  or within 100 miles of your current mailing address, and                                                      
      losing our right to impose that charge or fee when it is  con?rm in writing. You may be liable for unauthorized use of  NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION  For our marketing purposes �                         Definitions 
                                                                                                     statement.                         the purchase price must have been more than $50.00.                                              
                                                                                                                                                                       to offer our products and services to you  YES       NO                                         
      due under this Agreement).     your Card prior to your noti?cation of us. You will not be liable  AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ 
                                                                                                       �  At least 3 business days before an automated payment  (Note: Neither of these are necessary if your purchase   
                                                                                                                                                                        
                                     for unauthorized use that occurs after you notify us of the  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  was based on an advertisement we mailed to you, or if 
      18. Customer Communications: You agree that your                                                                                                                 For joint marketing with other financial 
                                     loss, theft, or unauthorized use and, in any case, your liability  ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS                                                                                                               They can be financial and nonfinancial companies. 
                                                                                                        amount you think is wrong.      we own or operate the company that sold you the goods 
      calls with us may be monitored and/or recorded and that         CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY THE                                                 companies                             NO        We don�t share.                                 
                                     will not exceed $50.00.                                                                            or services.)                   
      we (or anyone acting on our behalf) may contact you             TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT  You must notify us of any potential errors in writing. You                                                                                      �  Kay� Jewelers and Kay� Jewelers Outlet does 
      from time to time regarding your Account (including for  23. Authorized Users: You may request additional Cards on  may call us, but if you do we are not required to investigate    2.  You must have used your credit card for the purchase.  For our affiliates� everyday business purposes � 
                                                                      WITHOUT INCURRING ANY ADDITIONAL CHARGE. 4. KEEP                                                                                                                                                  not share with our affiliates. 
                                                                                                                                                                                                                                                                           
      collections purposes). You further agree that all of our  your Account, and you may permit an Authorized User to have  THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5.  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   NO  We don�t share.     
                                                                                                                                                                        
      contacts with you may be made via email, text messages  access to a Card. However, if you do, you are responsible for  question.  a check that accesses your credit card account do not   
                                                                      YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM                                                                                                                        Nonaffiliates                 Companies not related by common ownership or 
      or with an automated dialing and announcing or similar  all charges made by the Authorized User, including charges                qualify.                       For our affiliates� everyday business purposes � 
                                                                      THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR  What Will Happen After We Receive Your Letter                                                                                                     control.  They can be financial and nonfinancial 
      device and/or an arti?cial voice or prerecorded message.  for which you may not have intended to be responsible. You  DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS,    3. You must not yet have fully paid for the purchase. information about your creditworthiness  NO  We don�t share. 
                                                                                                     When we receive your letter, we must do two things:                                                                                                              companies. 
      You also agree that we may contact you at any telephone  must notify us to revoke an Authorized User�s permission to                                              
                                                                      REQUIRE A RESALE OF THE PROPERTY REPOSSESSED.                                                                                                                                                    
                                                                                                                                     If all of the criteria above are met and you are still dissatis?ed  For our nonaffiliates to market to you 
      number you provide to us, even if you are charged by  use your Account. If you do so, we may close the Account and  6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER    1.  Within 30 days of receiving your letter, we must tell you 
                                                                                                                                     with the purchase, contact us in writing at the address listed          NO        We don�t share.                                �  Kay� Jewelers and Kay� Jewelers Outlet does 
      your service provider, whether a residential or business  issue a new Card or Cards with a different Account number. YOUR PREMISES OR COMMIT ANY BREACH OF THE  that we received your letter. We will also tell you if we 
                                                                                                                                     above.                                                                                                                             not share with nonaffiliates so they can market to 
                                                                      PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS  have already corrected the error.                  
      number, even if that number is on a Do Not Call list, is                                                                                                                                                                                                          you. 
      a wireless, cellular or mobile number; is converted to  24. Military Lending Act Compliance: This Agreement  2.  Within 90 days of receiving your letter, we must either  While we investigate, the same rules apply to the disputed 
                                                                      AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS                                                                                                                                                     
                                                                                                                                                                                                                                                                       
                                     shall be interpreted to comply with the Military Lending           correct the error or explain to you why we believe the bill  amount as discussed above. After we ?nish our investigation,  Questions? 
      a mobile/wireless number; or connects to any type of            AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A                                                                                                                     Joint marketing               A formal agreement between nonaffiliated financial 
                                                                                                        is correct.                  we will tell you of our decision. At that point, if we think you 
      mobile/wireless device. You agree that any consent you  Act, including its restrictions on permissible loan terms and 
                                                                      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 
      provide will survive termination of your Account. To opt  limitations on interest and fees. For Accounts opened on 
                                                                      SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN  While we investigate whether or not there has been an error:
                                     or after October 3, 2017, if you are a Covered Borrower as                                      delinquent.                                                                                                                      services to you. 
      out of these contacts, you may call Customer Service at         THE ADDRESS OF THE SELLER, WHICH MAY BE HIS    �  We cannot try to collect the amount in question, or                                                                                            
      1-866-875-0891.                determined in accordance with the safe harbor provisions in 
                                                                      MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU  report you as delinquent on that amount.                                                                                                          �  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                                                                                                   
      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.                                                                                                                                                                          0300-30S-5678               60006
                                                                                                                                                                                                                                         
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