incurred by anyone else you have authorized to use this  Federal law provides important protections to members  of any minimum payment for your regular balance and for any  and rounded up to the nearest $5.00 increment or $30.00,  10. Arbitration for Disputes � No Jury Trials or Class  applicants, co-applicants, authorized users on a single  regarding any claims will be ?nal and binding, except for  B. Late Payment Fee: If we do not receive your minimum  We will add any Late Payment Fee to your Account�s regular 
                                                                         
                  SUMMARY OF JARED THE GALLERIA OF JEWELRY CHARGE ACCOUNT TERMS Account. You are also responsible for the use of each  of the Armed Forces and their dependents relating to  promotional balance. The minimum payment for your regular  whichever is greater. For example, if the promotion has an  Actions: This paragraph describes how all Claims (as de?ned  Account, or corporate af?liates are considered one person  any appeal right under FAA. The appealing party will pay  payment by its due date (or within seven (7) days in VA;  balance.
                                                                          Card issued on this Account. You may request additional  extensions of consumer credit. In general, the cost of  balance will be the greater of 5% of the regular purchase  interest rate of 10.99% and the plan is for 24 months, the  in subparagraph A below) will be arbitrated, at the election of  for the purposes of this paragraph. No arbitration award  the appeal costs. This agreement to arbitrate shall survive  within ten (10) days in AL, AZ, CO, DC, FL, GA, ID, IL, IN,  12. Security Interest: You grant us a purchase money 
         Interest Rates and Interest Charges                              Cards on this Account for yourself or others, and you may  consumer credit to a member of the Armed Forces and his  balance(s), or $30. The minimum payment for your regular  required minimum payment is determined as follows: 1/24th  you or us, on an individual (non-class, non-representative)  will have any preclusive effect as to issues or claims in any  any suspension, termination, revocation or closure of the  KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY; 
                                                                                                                                                                                                                                                                                                                                             security interest in each item of merchandise purchased 
                                                                          permit an Authorized User to have access to the Card or  or her dependent may not exceed an annual percentage rate  balance will never exceed the regular balance. of the purchase price (less any down payment) multiplied  basis instead of litigated in court. If you are a �Covered  dispute involving anyone who is not a party to the arbitration.  Agreement or your Account, and any bankruptcy to the       within ?fteen (15) days in CA, ME, and MA; within twenty-one 
                                                                                                                                                                                                                                                                                                                                             on your Account to secure its unpaid purchase price 
                                                                          Account number. However, if you do so, you must pay us  of 36 percent. This rate must include, as applicable to the  by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  Borrower� as determined in accordance with the safe harbor  This arbitration provision is made pursuant to a transaction  extent consistent with applicable bankruptcy law. (21) days in TX; within thirty (30) days in NC; and within forty 
                                                                                                                                           If your billing statement shows a promotional balance (such                                                                                                                                       (except in CT, MO (on any purchase under $150.00), and 
         Annual Percentage Rate   17% to 29.99%. This APR varies by state. See   for all charges made by those persons. See Paragraph  credit transaction or account: The costs associated with  whichever is greater). However, if the promotion speci?es  provisions in the Military Lending Act and its implementing  involving interstate commerce and will be governed by the  (40) days in RI), we will impose a Late Payment Fee.  The 
                                                                                                                                           as a �No Interest� balance, a �Reduced Interest Rate� balance,                                                                    F. If any part of this arbitration provision cannot be          NY (on any purchase under $200.00)) until such item 
         (APR) for Purchases  SUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS Paragraph 3 of the Retail Installment Credit Agreement  23 for details. When you sign the Application for this  access to the Card or Account number. However, if you do  credit insurance premiums; fees for ancillary products sold  consumer credit to a member of the Armed Forces and his  balance(s), or $30. The minimum payment for your regular  a minimum purchase amount, in no case will the minimum  of the purchase price (less any down payment) multiplied  regulations, you are not required to submit to arbitration. your Account, or this Agreement as well as any related or  Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.). will not have the right to litigate the Claim in court. This  However, an arbitrator cannot enlarge his or her authority  maximum fee is set forth below.  The fee charged generally  Fee. The maximum fee is set forth below. The fee charged  12. Security Interest: You grant us a purchase money 
               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  and/or an �Eighteen (18) Month� balance), the minimum  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  enforced, the rest of the arbitration provision will  Fee. The maximum fee is set forth below. The fee charged  12. Security Interest: You grant us a purchase money  of merchandise is paid for in full (in NY, not to exceed 
                                                                          Account, you will be agreeing to everything written here.  so, you must pay us for all charges made by those persons.  in connection with the credit transaction; any application fee  or her dependent may not exceed an annual percentage rate  balance will never exceed the Regular Balance. payment be less than the minimum purchase amount divided  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  will be the highest amount permitted by law.  This means that  generally will be the highest amount permitted by law. This  security interest in each item of merchandise purchased 
                           for details.                                   so, you must pay us for all charges made by those persons.  or her dependent may not exceed an annual percentage rate 
                                                                          See Paragraph 23 for details. When you sign the Application      balance will never exceed the Regular Balance. payment for this balance shall be calculated as speci?ed in  by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  prior agreement that you may have had with us or the  A. The term �Claim� means any claim, dispute, or controversy  means (1) there will be no jury trial on the Claim, (2)  C. If we or you request arbitration of a Claim, we and  over the adjudication of Claims beyond that provided by this  continue to apply. However, an arbitrator cannot enlarge  generally will be the highest amount permitted by law. This  ?ve (5) years from date the purchase is posted to your 
         Interest Rates and Interest Charges                                                               of 36 percent. This rate must include, as applicable to the                                                                                                                                                                       security interest in each item of merchandise purchased 
                                                                          Therefore, before you sign the Application, you should  charged (other than certain application fees for speci?ed  by the promotional period, which may shorten your repayment  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  the fee generally will not exceed the amount of the required  means that the fee generally will not exceed the amount of  on your Account to secure its unpaid purchase price 
         Interest Rates and Interest Charges                              See Paragraph 23 for details. When you sign the Application 
                                                                          for this Account, you will be agreeing to everything written  of 36 percent. This rate must include, as applicable to the 
                                                                                                           credit transaction or account: The costs associated with  Paragraph 7. There shall be no separate, additional minimum  If your billing statement shows a promotional balance (such  whichever is greater). The minimum payment will never be  relationships resulting from this Agreement, including the  between you and us arising from or relating to your Card,  there will be no pre-arbitration discovery except as the  you will not have the right to litigate the Claim in court.  arbitration provision by enforcing only part of this arbitration  his or her authority over the adjudication of Claims  means that the fee generally will not exceed the amount of  on your Account to secure its unpaid purchase price  Account). Solely for the purpose of determining the extent 
               SUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS access to the Card or Account number. However, if you do                                more than the remaining promotional purchase balance.  validity, enforceability or scope of this arbitration provision or 
                                                                          for this Account, you will be agreeing to everything written  read this entire Agreement. The information you provide  consumer credit to a member of the Armed Forces and his  credit transactions or accounts); and any participation fee  balance(s), or $30. The minimum payment for your regular  If your billing statement shows a promotional balance (such 
                                                                                                                                           as a �No Interest� balance, a �Reduced Interest Rate� balance,  of the purchase price (less any down payment) multiplied  period in certain instances.  The minimum payment will never  your Account, or this Agreement as well as any related or  will not have the right to litigate the Claim in court. This  Administrator�s rules permit, and (3) no Claim may be  However, an arbitrator cannot enlarge his or her authority  provision. If an arbitrator determines that applicable law  minimum payment due immediately prior to the assessment  the required minimum payment due immediately prior to the 
                                                                                                           credit transaction or account: The costs associated with                                                                                                                                         Fee. The maximum fee is set forth below. The fee charged  12. Security Interest: You grant us a purchase money  (except in CT, MO (on any purchase under $150.00), and 
                                                                          here. Therefore, before you sign the Application, you should  credit insurance premiums; fees for ancillary products sold  payment component for a non-regular, non-promotional  more than the remaining promotional purchase balance.  validity, enforceability or scope of this arbitration provision or  your Account, or this Agreement as well as any related or  Administrator�s rules permit, and (3) no Claim may be  This means (1) there will be no jury trial on the Claim,  provision. If an arbitrator determines that applicable law 
                                                                                                                                                                                                                                             arbitrated on a class-action, private attorney general, or  beyond that provided by this arbitration provision by  the required minimum payment due immediately prior to the 
                                                                                                                                                                            However, if the promotion speci?es a minimum purchase  the Agreement. Claims arising in the past, present, or future,  requires this arbitration provision to be enforced in a way that  assessment of the fee. In addition, the ?rst time you pay late,  (except in CT, MO (on any purchase under $150.00), and  of our purchase money security interest in each such item 
         Annual Percentage Rate   Your due date is at least 25 days after the close of each billing     so, you must pay us for all charges made by those persons.  here. Therefore, before you sign the Application, you should  on the Application that identi?es you is incorporated in  or her dependent may not exceed an annual percentage rate  charged (other than certain participation fees for a credit  balance will never exceed the Regular Balance. as a �No Interest� balance, a �Reduced Interest Rate� balance, 
                                                                                                                                           and/or an �Eighteen (18) Month� balance), the minimum  by 1.1185 and rounded up to the nearest $5.00 (or $30.00,  be more than the remaining promotional purchase balance.  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  of the fee.  In addition, the ?rst time you pay late, the fee will  security interest in each item of merchandise purchased  NY (on any purchase under $200.00)) until such item 
         How to Avoid Paying  17% to 26.99%. This APR varies by state.    read this entire Agreement. The information you provide  credit insurance premiums; fees for ancillary products sold 
                                                                                                           in connection with the credit transaction; any application fee  balance unless we provide you notice of such a requirement. However, if the promotion speci?es a minimum purchase  the Agreement. Claims arising in the past, present, or future,  prior agreement that you may have had with us or the  arbitrated on a class-action, private attorney general, or  (2) there will be no pre-arbitration discovery except as  other representative basis, and neither we nor you will  requires this arbitration provision to be enforced in a way that  enforcing only part of this arbitration provision. If an  would result in greater authority over Claims than otherwise  assessment of the fee. In addition, the ?rst time you pay late,  NY (on any purchase under $200.00)) until such item  of merchandise, your payments will be allocated ?rst to 
         Interest Rates and Interest Charges  Annual Percentage Rate   17% to 26.99%. This APR varies by state.  See Paragraph 23 for details. When you sign the Application  of 36 percent. This rate must include, as applicable to the  and/or an �Eighteen (18) Month� balance), the minimum  whichever is greater). The minimum payment will never be  If the promotion states that there is no separate promotional  amount, in no case will the minimum payment be less than  relationships resulting from this Agreement, including the  including Claims arising before the opening of your Account,  there will be no pre-arbitration discovery except as the  arbitration provision by enforcing only part of this arbitration  the fee will not exceed $27.00. If you pay late again during the 
                                                                                                                                                                                                                                                                                                            means that the fee generally will not exceed the amount of  not exceed $28.00.  If you pay late again during the next six  of merchandise is paid for in full (in NY, not to exceed 
                                                                          read this entire Agreement. The information you provide  this Agreement by reference. This Agreement will not be  on the Application that identi?es you is incorporated in  in connection with the credit transaction; any application fee  card account). If your billing statement shows a promotional balance (such  payment for this balance shall be calculated as speci?ed in 
                           cycle.  We will not charge you interest on purchases if you pay                                                                                  amount, in no case will the minimum payment be less than  including Claims arising before the opening of your Account,  relationships resulting from this Agreement, including the  other representative basis, and neither we nor you will  the Administrator�s rules permit, and (3) no Claim may  would result in greater authority over Claims than otherwise  arbitrator determines that applicable law requires this  We apply the  ANNUAL  the fee will not exceed $27.00. If you pay late again during the  State  Maximum Late Payment Fee   on your Account to secure its unpaid purchase price 
                            See Paragraph 3 of the Retail Installment Credit Agreement                                                                                                                                                                                                                                                       of merchandise is paid for in full (in NY, not to exceed  any unpaid insurance premium, next to any unpaid Late 
         Interest on Purchases    (APR) for Purchases                     for this Account, you will be agreeing to everything written  charged (other than certain application fees for speci?ed 
                                                                                                           credit transaction or account: The costs associated with  payment for this balance shall be calculated as speci?ed in  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  next six billing cycles, the fee will not exceed $37.00. 
                            See Paragraph 3 of the Retail Installment Credit Agreement  on the Application that identi?es you is incorporated in  effective unless and until we approve your Application. charged (other than certain application fees for speci?ed  7. Promotional Terms: At our sole discretion, we may offer  Paragraph 7. There shall be no separate, additional minimum  more than the remaining promotional purchase balance.  minimum payment, then the amount of the promotional  Administrator�s rules permit, and (3) no Claim may be  provision. If an arbitrator determines that applicable law  If you reside in   ?ve (5) years from date the purchase is posted to your 
         (APR) for Purchases                                              this Agreement by reference. This Agreement will not be                                           the minimum purchase amount divided by the promotional  validity, enforceability or scope of this arbitration provision or 
                                                                                                                                                                                                            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  monthly  ANNUAL  the required minimum payment due immediately prior to the  billing cycles, the fee will not exceed $39.00.  State  Maximum Late Payment Fee  
                                                                                                           credit transactions or accounts); and any participation fee  as a �No Interest� balance, a �Reduced Interest Rate� balance,  period, which may shorten your repayment period in certain  validity, enforceability or scope of this arbitration provision or  claims that arise from or relate to any application for your  be arbitrated on a class-action, private attorney general,  of any class or group of claimants pertaining to any Claim  arbitration provision to be enforced in a way that would  representative basis, then the arbitrator must decline to hear  If you reside in   PERCENTAGE   next six billing cycles, the fee will not exceed $37.00.  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  (except in CT, MO (on any purchase under $150.00), and 
                                                                                                                                                                                                                                                                                                                                             ?ve (5) years from date the purchase is posted to your 
                           your entire balance by the due date each month.                                                                                                                                                                                                                                                                   Payment Fees, any unpaid Returned Payment Fees, any 
                            for details.                                  here. Therefore, before you sign the Application, you should  credit insurance premiums; fees for ancillary products sold  To receive this disclosure and a description of your  Paragraph 7. There shall be no separate, additional minimum                       Account). Solely for the purpose of determining the extent 
                                                                          this Agreement by reference. This Agreement will not be  effective unless and until we approve your Application. credit transactions or accounts); and any participation fee  you promotional terms for a new purchase or for an existing  payment component for a non-regular, non-promotional  However, if the promotion speci?es a minimum purchase  balance will be included in your regular balance for the  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  the state of:   monthly  PERCENTAGE   assessment of the fee. In addition, the ?rst time you pay late,  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  NY (on any purchase under $200.00)) until such item 
         Annual Percentage Rate   17% to 26.99%. This APR varies by state.  for details. 2. Balances: Each transaction or group of transactions  payment obligation under this agreement orally, please call  charged (other than certain participation fees for a credit  and/or an �Eighteen (18) Month� balance), the minimum  period, which may shorten your repayment period in certain  of any class or group of claimants pertaining to any Claim 
                                                                          read this entire Agreement. The information you provide          payment component for a non-regular, non-promotional  instances. The minimum payment will never be more than the  claims that arise from or relate to any application for your  the Agreement. Claims arising in the past, present, or future,  Account or any advertisements, promotions, or statements  or other representative basis, and neither we nor you will  subject to arbitration. We or you may elect to arbitrate any  representative basis, then the arbitrator must decline to hear  result in greater authority over Claims than otherwise  the dispute and shall refer the parties to a court or other  the state of:   We apply the  periodic rate of:   ANNUAL  RATE  State  MN, MS, NV, NH, NY, ND,  Maximum Late Payment Fee   outstanding balance is $249.99  Account). Solely for the purpose of determining the extent  unpaid Interest, and any other unpaid fees or charges,  of our purchase money security interest in each such item 
                                                                          effective unless and until we approve your Application. in connection with the credit transaction; any application fee  charged (other than certain participation fees for a credit  balance. Any promotion will be subject to the terms of the  balance unless we provide you notice of such a requirement. amount, in no case will the minimum payment be less than  purpose of calculating your minimum payment. including Claims arising before the opening of your Account,  other representative basis, and neither we nor you will  subject to arbitration. We or you may elect to arbitrate any  If you reside in  
                                                                                                                                                                            instances. The minimum payment will never be more than the  Account or any advertisements, promotions, or statements  would result in greater authority over Claims than otherwise  the dispute and shall refer the parties to a court or other  We apply the  periodic rate of:   ANNUAL  RATE  the fee will not exceed $27.00. If you pay late again during the  State  MN, MS, NV, NH, NY, ND, 
                                                                                                           card account).                  payment for this balance shall be calculated as speci?ed in  remaining promotional purchase balance. including Claims arising before the opening of your Account,  related to your Account or goods or services that may be  have the right to participate as a representative or member  Claim at any time unless it has been ?led in court and trial  allowed, such as the adjudication of claims on a class or  body with suf?cient authority. In the event of any con?ict  monthly  PERCENTAGE   AK, AR, CT, HI, LA, MD, MI,  State  OH, OR, PA, SD, WI  Maximum Late Payment Fee  
                                                                                                                                                                                                                                                                                                                           $39.00     outstanding balance is $249.99  or less)  of merchandise is paid for in full (in NY, not to exceed 
                                                                                                                                                                                                                                                                                                                                      Maximum Late Payment Fee   of our purchase money security interest in each such item 
                            See Paragraph 3 of the Retail Installment Credit Agreement  on the Application that identi?es you is incorporated in  subject to the same terms (such as the applicable APR and  2. Balances: Each transaction or group of transactions  charged (other than certain application fees for speci?ed  1-866-875-5929. balance unless we provide you notice of such a requirement. If you reside in   then to pay off each purchase in the order in which the  of merchandise, your payments will be allocated ?rst to 
         (APR) for Purchases  None to $1. The minimum interest charge varies by state. See  Your due date is at least 25 days after the close of each billing  card account). promotional offer and this Agreement. Below is a description  the minimum purchase amount divided by the promotional  remaining promotional purchase balance. are subject to arbitration. �Claim� includes, without limitation,  related to your Account or goods or services that may be  have the right to participate as a representative or member  the state of:  
                                                                                                                                                                                                                                             Claim at any time unless it has been ?led in court and trial  allowed, such as the adjudication of claims on a class or  We apply the  ANNUAL 
                                                                                                                                                                                                                                                                             body with suf?cient authority. In the event of any con?ict  If you reside in   monthly  periodic rate of:   1.75% to $750.00   PERCENTAGE   RATE  21%  next six billing cycles, the fee will not exceed $37.00.  AK, AR, CT, HI, LA, MD, MI,  MN, MS, NV, NH, NY, ND,  OH, OR, PA, SD, WI  $39.00  or less)  ?ve (5) years from date the purchase is posted to your 
         Minimum Interest Charge   How to Avoid Paying                    2. Balances: Each transaction or group of transactions 
                                                                          this Agreement by reference. This Agreement will not be  duration) shall be considered part of the same balance. The  subject to the same terms (such as the applicable APR and  Paragraph 7. There shall be no separate, additional minimum  7. Promotional Terms: At our sole discretion, we may offer  Eighteen (18) Month Plan. If any single purchase is designated  are subject to arbitration. �Claim� includes, without limitation,  ?nanced in connection with your Account. For purposes of  of any class or group of claimants pertaining to any Claim  has begun or ?nal judgment has been entered.  
                                                                                                                                                                                                                                                                        the state of:   representative basis, then the arbitrator must decline to  or inconsistency between this arbitration provision and the  5% of amount past due but not  of merchandise, your payments will be allocated ?rst to  purchase was made. any unpaid insurance premium, next to any unpaid Late 
                            for details. Your due date is at least 25 days after the close of each billing  credit transactions or accounts); and any participation fee  To receive this disclosure and a description of your pay- 7. Promotional Terms: At our sole discretion, we may offer  of some of the promotional terms that we may offer in our  period, which may shorten your repayment period in certain  Eighteen (18) Month Plan. If any single purchase is  claims that arise from or relate to any application for your  ?nanced in connection with your Account. For purposes of  of any class or group of claimants pertaining to any Claim  has begun or ?nal judgment has been entered. representative basis, then the arbitrator must decline to hear  AL  monthly 
                                                                                                           4. How to Avoid Paying Interest on Purchases: Your due                                                                                                            or inconsistency between this arbitration provision and the  the state of:   periodic rate of:   1.75% to $750.00   1.5% over $750.00  RATE  PERCENTAGE   MN, MS, NV, NH, NY, ND,  OH, OR, PA, SD, WI  AK, AR, CT, HI, LA, MD, MI,      $37.00 (except $29.00 if the 
         How to Avoid Paying  cycle. We will not charge you interest on purchases if you pay  subject to the same terms (such as the applicable APR and                                                                                                                                           21%                                        Account). Solely for the purpose of determining the extent 
                                                                          duration) shall be considered part of the same balance. The  To receive this disclosure and a description of your pay- payment component for a non-regular, non-promotional  you promotional terms for a new purchase or for an existing  Administrator�s rules or other provisions of this Agreement,  18%  5% of amount past due but not  any unpaid insurance premium, next to any unpaid Late 
                           Paragraph 5 of the Retail Installment Credit Agreement for details.  effective unless and until we approve your Application.                                                                                                                                                               AL              more than $37.00 and not less 
                                                                          balance subject to the Regular APR and the other regular  charged (other than certain participation fees for a credit  ment obligation under this agreement orally, please call  instances. The minimum payment will never be more than the  Eighteen (18) Month Plan. If any single purchase is  as purchased under the �Eighteen Month Plan�, no Interest will  claims that arise from or relate to any application for your  this arbitration provision, �you� and �us� also includes any  subject to arbitration. We or you may elect to arbitrate any  AL 
         Interest on Purchases                                                                                                                                              designated as purchased under the �Eighteen Month Plan�,         D. The party initiating an arbitration shall select an  hear the dispute and shall refer the parties to a court or 
                                                                                                                                                                                                            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  1.75% to $750.00   periodic rate of:   1.5% over $750.00  ANNUAL  21%  RATE  18%  State  OH, OR, PA, SD, WI  MN, MS, NV, NH, NY, ND,  Maximum Late Payment Fee     outstanding balance is $249.99  Payment Fees, any unpaid Returned Payment Fees, any 
                            cycle. We will not charge you interest on purchases if you pay  duration) shall be considered part of the same balance. The  date is at least 25 days after the close of each billing  sole discretion from time to time.
                                                                          balance subject to the Regular APR and the other regular         balance unless we provide you notice of such a requirement. you promotional terms for a new purchase or for an existing  balance. Any promotion will be subject to the terms of the  this arbitration provision, �you� and �us� also includes any  AL  Administrator�s rules or other provisions of this Agreement,  5% of amount past due but not 
                                                                                                                                                                                                            corporate af?liates, any licensees, predecessors, successors,  If you reside in   this arbitration provision will govern. AL  more than $37.00 and not less  of our purchase money security interest in each such item  13. Default/Collection Costs: If you fail to pay any 
         Interest on Purchases                                            terms set forth in this Agreement is your Account�s regular  ment obligation under this agreement orally, please call  1-866-875-5929. designated as purchased under the �Eighteen Month Plan�,  be imposed on the promotional purchase for the ?rst twelve 
                            your entire balance by the due date each month.                                                                                                                                 Account or any advertisements, promotions, or statements  Claim at any time unless it has been ?led in court and trial    than $18.00  Payment Fees, any unpaid Returned Payment Fees, any  unpaid Interest, and any other unpaid fees or charges, 
                                                                          2. Balances: Each transaction or group of transactions  card account). balance. Any promotion will be subject to the terms of the  remaining promotional purchase balance. no Interest will be imposed on the promotional purchase for  D. The party initiating an arbitration shall select an  other body with suf?cient authority. In the event of any 
                                                                                                                                                                                                            related to your Account or goods or services that may be  Claim at any time unless it has been ?led in court and trial  Administrator from the organizations listed above. If none of  body with suf?cient authority. In the event of any con?ict  AR  monthly  1.75% to $750.00   1.5% over $750.00  1.4167%  PERCENTAGE   21%  18%  17%  AK, AR, CT, HI, LA, MD, MI,  OH, OR, PA, SD, WI  $39.00  or less) 
                                                                                                                                                                                                            corporate af?liates, any licensees, predecessors, successors,  AL  this arbitration provision will govern. AL  5% of amount past due but not  more than $39.00 and not less  than $18.00  of merchandise, your payments will be allocated ?rst to  minimum payment when due, or if the prospect of 
                                                                          balance subject to the Regular APR and the other regular  terms set forth in this Agreement is your Account�s regular  cycle. We will not charge you Interest in any billing cycle  No Interest If Paid in Full Plans. If any single purchase is  promotional offer and this Agreement. Below is a description  (12) months if you make all required minimum payments by  related to your Account or goods or services that may be  assigns, any purchaser of any accounts, all agents, employees,  Administrator from the organizations listed above. If none of  has begun or ?nal judgment has been entered. the state of:   unpaid Interest, and any other unpaid fees or charges, 
                            Your due date is at least 25 days after the close of each billing  your entire balance by the due date each month. balance. We calculate your total regular balance each billing  1-866-875-5929.                                                con?ict or inconsistency between this arbitration provision 
                                                                                                                                           7. Promotional Terms: At our sole discretion, we may offer  no Interest will be imposed on the promotional purchase for  the Administrators listed above will accept the arbitration,  11. Fees:   AR  periodic rate of:   1.5% over $750.00  1.75% to $750.00   1.4167%  RATE  18%  17%  MN, MS, NV, NH, NY, ND,  AL  more than $39.00 and not less    $10.00 (except $5.00 if the  then to pay off each purchase in the order in which the 
                                                                                                                                                                                                                                                                                                  21%                      than $18.00 
         How to Avoid Paying 
                           To learn more about factors to consider when applying for or  subject to the same terms (such as the applicable APR and  terms set forth in this Agreement is your Account�s regular  balance. We calculate your total regular balance each billing  To receive this disclosure and a description of your pay- in which payments received (and if required by law,  4. How to Avoid Paying Interest on Purchases: Your  promotional offer and this Agreement. Below is a description  the ?rst twelve (12) months if you make all required minimum  ?nanced in connection with your Account. For purposes of  assigns, any purchaser of any accounts, all agents, employees,  has begun or ?nal judgment has been entered. AR  or inconsistency between this arbitration provision and the  CO, GA, IN,  5% of amount past due but not  payment, performance, or realization of collateral is 
                                                                                                                                           designated as purchased under a no interest if paid in full plan,  of some of the promotional terms that we may offer in our  Eighteen (18) Month Plan. If any single purchase is  the ?rst twelve (12) months if you make all required minimum  the end of the 12th month.  If we do not receive all required  ?nanced in connection with your Account. For purposes of  directors and representatives of any of the foregoing, and  1.4167%  17%  any unpaid insurance premium, next to any unpaid Late 
                                                                                                                                                                                                                                             the Administrators listed above will accept the arbitration,  AL                         $10.00 (except $5.00 if the  then to pay off each purchase in the order in which the 
                                                                                                                                                                                                                                             the arbitration will be administered by an administrator, or  11. Fees:   and the Administrator�s rules or other provisions of this  A. Returned Payment Fee: If any check, instrument, or  AZ, KS  minimum payment is $5.00 to  purchase was made.
         For Credit Card Tips from 
                                                                          duration) shall be considered part of the same balance. The  cycle by taking the regular balance for the prior billing  payments by the end of the 12th month. If we do not receive                CO, GA, IN,  1.5% over $750.00  18%  OH, OR, PA, SD, WI  than $18.00  $10.00 (except $5.00 if the   
                            cycle. We will not charge you interest on purchases if you pay  None to $1. The minimum interest charge varies by state. See  balance. We calculate your total regular balance each billing  cycle by taking the regular balance for the prior billing  4. How to Avoid Paying Interest on Purchases: Your  due date is at least 25 days after the close of each billing  you promotional terms for a new purchase or for an existing  of some of the promotional terms that we may offer in our  this arbitration provision, �you� and �us� also includes any  directors and representatives of any of the foregoing, and  D. The party initiating an arbitration shall select an  AR  Administrator�s rules or other provisions of this Agreement,  MS, OK, TN,  1.4167%  1.75% 
                                                                                                                                           sole discretion from time to time.                               other persons referred to below in the de?nition of �Claims�.                  17%    21%                 AL              more than $37.00 and not less  Payment Fees, any unpaid Returned Payment Fees, any  signi?cantly impaired, to the extent permitted by applicable 
         Interest on Purchases    Minimum Interest Charge                                                  ment obligation under this agreement orally, please call  credits issued) by the due date equal or exceed the New  you will pay no Interest on that balance if the promotional  designated as purchased under the �Eighteen Month Plan�,  payments by the end of the 12th month. If we do not receive  minimum payments by the end of the 12th month, or if we  all required minimum payments by the end of the 12th month,  this arbitration provision, �you� and �us� also includes any  D. The party initiating an arbitration shall select an  the arbitration will be administered by an administrator, or  CO, GA, IN, 
                                                                                                                                                                                                                                             adjudicated by an arbitrator, upon which you and we agree in  A. Returned Payment Fee: If any check, instrument, or  Agreement, this arbitration provision will govern. electronic authorization used to pay us is not honored upon  MS, OK, TN,  1.75% to $750.00   21%  AZ, KS  minimum payment is $5.00 to 
                                                                                                                                                                                                                                                                                                                           $10.00 (except $5.00 if the  minimum payment is $5.00 to  $25.00)  purchase was made.
                                                                                                                                                                                                                                                                                                             AZ, KS 
                           using a credit card, visit the website of the Consumer Financial  None to $1. The minimum interest charge varies by state. See  balance subject to the Regular APR and the other regular  cycle by taking the regular balance for the prior billing  cycle, adding any regular purchases, fees, Interest Charges,  cycle, adding any regular purchases, fees, Interest Charges,  due date is at least 25 days after the close of each billing  balance. Any promotion will be subject to the terms of the  sole discretion from time to time. corporate af?liates, any licensees, predecessors, successors,  Administrator from the organizations listed above. If none  AL  CO, GA, IN,  MS, OK, TN,  this arbitration provision will govern. TX, VT, WY  1.75%  1.75%  21%  21%  5% of amount past due but not  than $18.00 
         the Consumer Financial                                                                                                                                                                                                                                                                                                              law it will be a default, and, subject to any right you may 
         Minimum Interest Charge  your entire balance by the due date each month.                          1-866-875-5929. Balance, including any promotional plan balances, shown  cycle. We will not charge you Interest in any billing cycle  other persons referred to below in the de?nition of �Claims�.                        $25.00) 
                                                                                                                                           purchase is paid in full in the designated promotional time  no Interest will be imposed on the promotional purchase for  all required minimum payments by the end of the 12th month,  do not receive a required minimum payment within 60 days  corporate af?liates, any licensees, predecessors, successors,  �Claim� includes claims of every kind and nature, including  Administrator from the organizations listed above. If none of  adjudicated by an arbitrator, upon which you and we agree in  writing. The arbitration shall be governed by the procedures  electronic authorization used to pay us is not honored upon  ?rst presentment, (for residents of MD, second presentment),  AR  1.5% over $750.00  1.4167%  18%  17%  AL  AZ, KS  CA, CO, DC, IA  more than $39.00 and not less  minimum payment is $5.00 to  $25.00)  $15.00  unpaid Interest, and any other unpaid fees or charges,  13. Default/Collection Costs: If you fail to pay any 
                            Paragraph 5 of the Retail Installment Credit Agreement for details.  terms set forth in this Agreement is your Account�s regular  cycle, adding any regular purchases, fees, Interest Charges,  other ?nance charges, and other debits, and subtracting  promotional offer and this Agreement. Below is a description  No Interest If Paid in Full Plans. If any single purchase  or if we do not receive a required minimum payment within 60 
                                                                          other ?nance charges, and other debits, and subtracting  cycle. We will not charge you Interest in any billing cycle  in which payments received (and if required by law, credits  assigns, any purchaser of any accounts, all agents, employees,  �Claim� includes claims of every kind and nature, including  of the Administrators listed above will accept the arbitration,  MS, OK, TN,  TX, VT, WY  11. Fees:   TX, VT, WY 
                                                                                                                                                                                                            but not limited to initial claims, counterclaims, cross-claims,  DC, MD  1.75%  2.0%  21%  24%            CA, CO, DC, IA  $25.00)  $10.00 (except $5.00 if the  $15.00  then to pay off each purchase in the order in which the  13. Default/Collection Costs: If you fail to pay any  have under state law to receive notice of and to cure such  minimum payment when due, or if the prospect of 
         Protection Bureau  Protection Bureau at:   Paragraph 5 of the Retail Installment Credit Agreement for details.  on your billing statement. No Interest If Paid in Full Plans. If any single purchase  period (which may be 6 months, 12 months, or another period  is designated as purchased under a no interest if paid in  the ?rst twelve (12) months if you make all required minimum  or if we do not receive a required minimum payment within 60  of its due date, Interest will be charged to your account at the  assigns, any purchaser of any accounts, all agents, employees,  the Administrators listed above will accept the arbitration,  writing. The arbitration shall be governed by the procedures  and rules of the Administrator and this Agreement, which  11. Fees:   ?rst presentment, (for residents of MD, second presentment),  even if the check, instrument or electronic authorization  CA, CO, DC   DE, NM, TN, VT  than $18.00  $15.00  None 
                                                                          balance. We calculate your total regular balance each billing  other ?nance charges, and other debits, and subtracting  any payments or other credits, as of the closing date for  any payments or other credits, as of the closing date for  4. How to Avoid Paying Interest on Purchases: Your  CO, GA, IN, 
                                                                                                           in which payments received (and if required by law, credits  of some of the promotional terms that we may offer in our  days of its due date, Interest will be charged to your account  TX, VT, WY 
                                                                                                           issued) by the due date equal or exceed the New Balance,                                         directors and representatives of any of the foregoing, and  but not limited to initial claims, counterclaims, cross-claims,  AR 
                                                                                                                                                                                                            third-party claims, and claims based upon contract, tort,  the arbitration will be administered by an administrator, or  DC, MD  A. Returned Payment Fee: If any check, instrument, or  DC, MD  1.4167%  2.0%  2.0%  17%  24%  24%  minimum payment when due, or if the prospect of  payment, performance, or realization of collateral is 
                                                                                                                                           is designated as purchased under a no interest if paid in  payments by the end of the 12th month. If we do not receive  days of its due date, Interest will be charged to your account  the arbitration will be administered by an administrator, or  and rules of the Administrator and this Agreement, which  need not apply federal, state or local rules of procedure  A. Returned Payment Fee: If any check, instrument, or  even if the check, instrument or electronic authorization  is later honored, we may charge you a Returned Payment  HI, MA, MN, NC  1.5%  18%  CA, CO, DC  DE, NM, TN, VT  AZ, KS   DE, NM, TN, VT  FL, MT, NJ, TX  $10.00 (except $5.00 if the  $15.00  None  minimum payment is $5.00 to  None  purchase was made. default, we may declare the entire unpaid balance on the 
                                                                                                                                                                                                                                                                                                                                      $10.00 
                           http://www.consumer?nance.gov/learnmore.  None to $1. The minimum interest charge varies by state. See  To learn more about factors to consider when applying for or  cycle by taking the regular balance for the prior billing  any payments or other credits, as of the closing date for  that billing cycle. Balances subject to promotional terms  full plan, you will pay no Interest on that balance if the  Regular APR from the promotional purchase date.  After the  at the Regular APR from the promotional purchase date. After  directors and representatives of any of the foregoing, and  MS, OK, TN,  1.75%  21% 
                                                                          that billing cycle. Balances subject to promotional terms  due date is at least 25 days after the close of each billing  issued) by the due date equal or exceed the New Balance,  5. Calculation of Interest: In all states except MN and NM,  including any promotional plan balances, shown on your  sole discretion from time to time. speci?ed in the promotion).  If the promotional purchase balance  CO, GA, IN,  DC, MD  electronic authorization used to pay us is not honored  2.0%  24%  payment, performance, or realization of collateral is  signi?cantly impaired, to the extent permitted by applicable 
         Minimum Interest Charge                                                                                                                                                                            other persons referred to below in the de?nition of �Claims�.  third-party claims, and claims based upon contract, tort, 
         For Credit Card Tips from                                                                                                                                                                          fraud, and other intentional torts, statutes, regulations,  adjudicated by an arbitrator, upon which you and we agree in  HI, MA, MN, NC  1.5%  18%  DE, NM, TN, VT 
                                                                                                                                           full plan, you will pay no Interest on that balance if the  promotional purchase is paid in full in the designated  all required minimum payments by the end of the 12th month,  at the Regular APR from the promotional purchase date. After  adjudicated by an arbitrator, upon which you and we agree in  need not apply federal, state or local rules of procedure  and evidence. The Administrator�s procedures and rules  electronic authorization used to pay us is not honored upon  is later honored, we may charge you a Returned Payment  Fee. Except as set forth for speci?ed states below, this fee is  HI, MA, MN, NC  1.5%  18%  AZ, KS  FL, MT, NJ, TX  FL, MT, NJ, TX  GA  minimum payment is $5.00 to  None  $10.00  $25.00)  Account due and payable (except in WI you will not be 
                                                                          cycle, adding any regular purchases, fees, Interest Charges,  that billing cycle. Balances subject to promotional terms  are promotional balances. We calculate the total of any  cycle. We will not charge you Interest in any billing cycle  is not paid in full by the end of the designated promotional  ?rst twelve (12) months, we will use the speci?ed reduced  the ?rst twelve (12) months, we will use the speci?ed reduced  other persons referred to below in the de?nition of �Claims�.  TX, VT, WY  MI, NY, OH, WV  2.0825%  24.99%  $10.00  $25.00 
                            To learn more about factors to consider when applying for or  are promotional balances. We calculate the total of any  including any promotional plan balances, shown on your  we calculate Interest Charges using the average daily balance  billing statement. �Claim� includes claims of every kind and nature, including  fraud, and other intentional torts, statutes, regulations,  common law, and equity. Claims and remedies sought as  MS, OK, TN,  1.75%  21%  13. Default/Collection Costs: If you fail to pay any 
         For Credit Card Tips from                                                                                                                                                                                                           writing. The arbitration shall be governed by the procedures  and evidence. The Administrator�s procedures and rules  writing. The arbitration shall be governed by the procedures  HI, MA, MN, NC  the ?rst time it is submitted, (for residents of MD, upon  signi?cantly impaired, to the extent permitted by applicable  law it will be a default, and, subject to any right you may 
                            Paragraph 5 of the Retail Installment Credit Agreement for details.  using a credit card, visit the website of the Consumer Financial  No Interest If Paid in Full Plans. If any single purchase  promotional purchase is paid in full in the designated  promotional time period (which may be 6 months, 12  or if we do not receive a required minimum payment within 60  the ?rst twelve (12) months, we will use the speci?ed reduced  APR (the �Promotional APR�), in lieu of the Regular APR, to  APR (the �Promotional APR�), in lieu of the Regular APR, to  MI, NY, OH, WV 
                                                                                                                                                                                                            �Claim� includes claims of every kind and nature, including  may limit the discovery available to you or us. You can  ?rst presentment, (for residents of MD, second presentment),  Fee. Except as set forth for speci?ed states below, this fee is  up to $37.00. The fee charged generally will be the highest  1.5%  2.0825%  18%  24.99%  FL, MT, NJ, TX  GA  CA, CO, DC, IA  $25.00)  $10.00  $25.00  $15.00  in default until you fail to make a minimum payment on 
                                                                                                                                                                                                                                                                             MI, NY, OH, WV  2.0825%                  GA              $25.00 
         the Consumer Financial                                           other ?nance charges, and other debits, and subtracting  are promotional balances. We calculate the total of any  promotional balance by adding the promotional purchase  promotional balance by adding the promotional purchase  in which payments received (and if required by law, credits  period, or if we do not receive a required minimum payment  TX, VT, WY 
                                                                                                           billing statement. method (including current transactions). In MN and NM, we                     but not limited to initial claims, counterclaims, cross-claims,  common law, and equity. Claims and remedies sought as  part of a class action, private attorney general action, or  resubmission), even if the check, instrument or electronic  DC, MD  2.0%  1.75% to $499.99  24%  24.99%  minimum payment when due, or if the prospect of 
                                                                                                                                                                                                                                             and rules of the Administrator and this Agreement, which                                        law it will be a default, and, subject to any right you may  have under state law to receive notice of and to cure such 
         Fees
                             using a credit card, visit the website of the Consumer Financial              5. Calculation of Interest: In all states except MN and NM,  is designated as purchased under a no interest if paid in  promotional time period (which may be 6 months, 12  months, or another period speci?ed in the promotion). If  days of its due date, Interest will be charged to your account  APR (the �Promotional APR�), in lieu of the Regular APR, to  calculate Interest for the next six (6) months.  The Promotional  calculate Interest for the next six (6) months. The Promotional  but not limited to initial claims, counterclaims, cross-claims,  and rules of the Administrator and this Agreement, which  may limit the discovery available to you or us. You can  obtain a copy of an Administrator�s procedures and rules  MI, NY, OH, WV  even if the check, instrument or electronic authorization  up to $37.00. The fee charged generally will be the highest  amount permitted by law, subject to the speci?ed maximum.  2.0825%  1.75% to $499.99  24.99%  21%  CA, CO, DC  GA  IA  DE, NM, TN, VT  $15.00  $25.00  $30.00 None  two occasions within a twelve (12) month period). We 
         the Consumer Financial                                           any payments or other credits, as of the closing date for  promotional balance by adding the promotional purchase  for that balance and subtracting any payments allocated  issued) by the due date equal or exceed the New Balance,  within 60 days of its due date, Interest will be charged to your 
                                                                                                           calculate Interest Charges using the average daily balance                                       third-party claims, and claims based upon contract, tort,  part of a class action, private attorney general action, or  other representative action are subject to arbitration on an  DC, MD  NE  2.0% 
                                                                          for that balance and subtracting any payments allocated                                                                                                                                                      1.75% to $499.99  1.5% for $500.00 and  24%  21%  Greater of 5% of amount past  payment, performance, or realization of collateral is 
                            Protection Bureau at:                                                                                                                                                                                                                                                                                            have under state law to receive notice of and to cure such  default, we may declare the entire unpaid balance on the 
         Protection Bureau                                                                                                                                                                                                                   need not apply federal, state or local rules of procedure  obtain a copy of an Administrator�s procedures and rules  need not apply federal, state or local rules of procedure  by contacting the Administrator. A single, neutral arbitrator  NE  is later honored, we may charge you a Returned Payment  amount permitted by law, subject to the speci?ed maximum.  authorization is later honored, we may charge you a Returned  This means that the fee generally will not exceed the amount  HI, MA, MN, NC  1.75% to $499.99  1.5% for $500.00 and  1.5%  18%  21%  18%  DE, NM, TN, VT  IA FL, MT, NJ, TX  None  $30.00 Greater of 5% of amount past  $10.00  also may repossess any article of merchandise in which 
                                                                          that billing cycle. Balances subject to promotional terms  for that balance and subtracting any payments allocated  to that promotional balance or other credits. You authorize  5. Calculation of Interest: In all states except MN and NM,  we calculate Interest Charges using the average daily balance  full plan, you will pay no Interest on that balance if the  months, or another period speci?ed in the promotion). If  account at the Regular APR from the promotional purchase  the promotional purchase balance is not paid in full by the  at the Regular APR from the promotional purchase date. After  calculate Interest for the next six (6) months. The Promotional  APR will return to your Regular APR at the expiration of the  APR will return to your Regular APR at the expiration of the  third-party claims, and claims based upon contract, tort,  NE  1.5% for $500.00 and  more  21%  18% 
                            To learn more about factors to consider when applying for or                   including any promotional plan balances, shown on your                                           fraud, and other intentional torts, statutes, regulations,  other representative action are subject to arbitration on an  individual (non-class, non-representative) basis, and the  ID  Greater of 5% of amount past  due or $15.00 (but not to  .00) 
                                                                                                           method (excluding current transactions). We calculate                                                                                                                                                                             signi?cantly impaired, to the extent permitted by applicable  default, we may declare the entire unpaid balance on the  Account due and payable (except in WI you will not be 
         For Credit Card Tips from  Protection Bureau at:  
         Protection Bureau                                                to that promotional balance or other credits. You authorize  we calculate Interest Charges using the average daily balance  method (including current transactions). In MN and NM, we  promotional purchase is paid in full in the designated  the promotional purchase balance is not paid in full by the  end of the designated promotional period, or if we do not  six month period or if we do not receive a required minimum  and evidence. The Administrator�s procedures and rules  by contacting the Administrator. A single, neutral arbitrator  and evidence. The Administrator�s procedures and rules  will resolve Claims. The arbitrator will be either a lawyer with  HI, MA, MN, NC  NE  Fee. Except as set forth for speci?ed states below, this fee is  This means that the fee generally will not exceed the amount  Payment Fee.  Except as set forth for speci?ed states below,  of the required minimum payment due immediately prior  1.5%  1.5% for $500.00 and  more  18%  18%  FL, MT, NJ, TX  ID  $10.00 
                                                                                                                                                                                                                                                                                                                      GA   Greater of 5% of amount past  due or $15.00 (but not to 
         Annual Fee        None http://www.consumer?nance.gov/learnmore.  are promotional balances. We calculate the total of any  to that promotional balance or other credits. You authorize  us to allocate any payment or credit among your regular  date.  See Paragraph 3 for details.  Unless the promotion states  the ?rst twelve (12) months, we will use the speci?ed reduced  APR will return to your Regular APR at the expiration of the  we still retain a security interest, but we will do so only 
                                                                                                                                                                            six month period or if we do not receive a required minimum  fraud, and other intentional torts, statutes, regulations,  MI, NY, OH, WV  2.0825%  18%  24.99%  $25.00 
                                                                                                           billing statement.                                                                               arbitrator may award relief only on an individual (non-class,    this fee is up to $39.00.  The fee charged generally will  All other states   2.2491%  more  more  26.99%  ID  exceed $39.00)  due or $15.00 (but not to  exceed $37 .00) 
                                                                          us to allocate any payment or credit among your regular  Interest separately for each balance on your Account subject             common law, and equity. Claims and remedies sought as  individual (non-class, non-representative) basis, and the  GA  $25.00     law it will be a default, and, subject to any right you may  Account due and payable (except in WI you will not be  in default until you fail to make a minimum payment on 
                            using a credit card, visit the website of the Consumer Financial  http://www.consumer?nance.gov/learnmore.  us to allocate any payment or credit among your regular  and promotional balances, in any manner, including in a  method (including current transactions). In MN and NM, we  calculate Interest Charges using the average daily balance  promotional time period (which may be 6 months, 12  end of the designated promotional period, or if we do not  receive a required minimum payment within 60 days of its  may limit the discovery available to you or us. You can  All other states   2.2491%  of the required minimum payment due immediately prior  to the date on which the payment is returned. In addition,  26.99%  ID  due or $15.00 (but not to 
                                                                          promotional balance by adding the promotional purchase           that there is no separate promotional minimum payment, the  APR (the �Promotional APR�), in lieu of the Regular APR, to  six month period or if we do not receive a required minimum  payment within 60 days of its due date. See Paragraph 3 for  may limit the discovery available to you or us. You can  will resolve Claims. The arbitrator will be either a lawyer with  at least ten years experience or a retired or former judge,  MI, NY, OH, WV  up to $37.00. The fee charged generally will be the highest  2.0825%  24.99%  in the manner and to the extent permitted by applicable 
         the Consumer Financial                                                                                                                                             payment within 60 days of its due date.  See Paragraph 3 for  common law, and equity. Claims and remedies sought as 
                                                                          and promotional balances, in any manner, including in a  to different terms (including APR and duration). We ?gure the            part of a class action, private attorney general action, or  arbitrator may award relief only on an individual (non-class,  non-representative) basis. �Claim� also includes claims by or  1.75% to $499.99  exceed $37 have under state law to receive notice of and to cure such  in default until you fail to make a minimum payment on  two occasions within a twelve (12) month period). We 
                                                                          manner that may be bene?cial to us, except where otherwise  5. Calculation of Interest: In all states except MN and NM,  calculate Interest Charges using the average daily balance  method (excluding current transactions). We calculate  receive a required minimum payment within 60 days of its  due date, Interest will be charged to your account at the  payment within 60 days of its due date. See Paragraph 3 for  details. The required minimum payment for the promotional  obtain a copy of an Administrator�s procedures and rules  at least ten years experience or a retired or former judge,  obtain a copy of an Administrator�s procedures and rules  selected in accordance with the rules of the Administrator.  All other states   2.2491%  Greater of 5% of amount past 
                                                                          and promotional balances, in any manner, including in a          months, or another period speci?ed in the promotion). If  calculate Interest for the next six (6) months. The Promotional        amount permitted by law, subject to the speci?ed maximum.  to the date on which the payment is returned. In addition,  be the highest amount permitted by law, subject to the  the ?rst time you make a payment that is returned, the fee  All other states   2.2491%  1.75% to $499.99  26.99%  21%  26.99%  IA $30.00 exceed $39.00)  Greater of 5% of amount past  law. If the Account is referred to an attorney who is not 
         Fees                                                             for that balance and subtracting any payments allocated          required minimum payment for the promotional balance will  details.  The required minimum payment for the promotional 
                                                                                                                                                                                                            other representative action are subject to arbitration on an  non-representative) basis. �Claim� also includes claims by or  part of a class action, private attorney general action, or  against any third party relating to or arising from your Card,  In the event of any con?ict or inconsistency between this  the ?rst time you make a payment that is returned, the fee  speci?ed maximum.  This means that the fee generally will  will not exceed $27.00. If you make another payment that  NE  1.5% for $500.00 and  21% 
                            Protection Bureau at:                                                                                                                                                                                                                                                            IL, KY, WY  IL, KY, WY  due or $10.00 (but not to  Greater of 5% of amount past  due or $10.00 (but not to  .00)  default, we may declare the entire unpaid balance on the  two occasions within a twelve (12) month period). We  also may repossess any article of merchandise in which 
         Penalty Fees  Protection Bureau                                                                   method (excluding current transactions). We calculate  Interest Charges by applying the applicable monthly periodic                                                                                                        Greater of 5% of amount past 
                                                                          manner that may be bene?cial to us, except where otherwise  manner that may be bene?cial to us, except where otherwise  prohibited by applicable law. The total of your regular balance  we calculate Interest Charges using the average daily balance  Interest separately for each balance on your Account subject  the promotional purchase balance is not paid in full by the  due date, Interest will be charged to your account at the  Regular APR from the promotional purchase date. Unless  NE  1.5% for $500.00 and  Greater of 5% of amount past 
         Fees                                                             to that promotional balance or other credits. You authorize      be the amount of the promotional purchase (less any down  APR will return to your Regular APR at the expiration of the  details. The required minimum payment for the promotional  balance will be 1/18th of the promotional purchase multiplied  by contacting the Administrator. A single, neutral arbitrator  selected in accordance with the rules of the Administrator.  by contacting the Administrator. A single, neutral arbitrator  This means that the fee generally will not exceed the amount  18%  Greater of 5% of amount past  our salaried employee and we bring a suit against you to 
                           Up to $39. This fee varies by state. See Paragraph 11.B of the                                                                                   balance will be 1/18th of the purchase price (less any down 
                                                                                                                                                                                                            individual (non-class, non-representative) basis, and the  against any third party relating to or arising from your Card,  other representative action are subject to arbitration on an  your Account, or this Agreement. The term �Claim� is to be  arbitration provision and the Administrator�s rules or other  will not exceed $27.00. If you make another payment that  not exceed the amount of the required minimum payment  is returned during the next six billing cycles, the fee will not  18% 
                                                                                                                                                                                                                                                                                more  more                   IL, KY, WY  ID  IL, KY, WY  due or $10.00 (but not to  exceed $39.00)  due or $15.00 (but not to  due or $10.00 (but not to  exceed $37 .00)  .00)  Account due and payable (except in WI you will not be  also may repossess any article of merchandise in which  we still retain a security interest, but we will do so only 
                             
                                                                          prohibited by applicable law. The total of your regular balance  prohibited by applicable law. The total of your regular balance  and any promotional balances is the �New Balance� shown                                          ID            due or $15.00 (but not to 
                                                                                                           method (including current transactions). In MN and NM, we  Interest separately for each balance on your Account subject  rate to the �average daily balance� for that balance. To get the  to different terms (including APR and duration). We ?gure the  end of the designated promotional period, or if we do not  Regular APR from the promotional purchase date. Unless  the promotion states that there is no separate promotional  balance will be 1/18th of the promotional purchase multiplied  by 1.030 and rounded up to the nearest $5.00, but not less  will resolve Claims. The arbitrator will be either a lawyer with  In the event of any con?ict or inconsistency between this  will resolve Claims. The arbitrator will be either a lawyer with  of the required minimum payment due immediately prior 
                                                                                                                                                                            six month period or if we do not receive a required minimum                                                                                                      collect the amount you owe, in addition to the full amount  in the manner and to the extent permitted by applicable 
          Annual Fee        http://www.consumer?nance.gov/learnmore.  None us to allocate any payment or credit among your regular         payment) divided by the promotional period, rounded up to  payment) multiplied by 1.030 and rounded up to the nearest  arbitrator may award relief only on an individual (non-class,  your Account, or this Agreement. The term �Claim� is to be  individual (non-class, non-representative) basis, and the  given the broadest possible meaning that will be enforced.  provisions of this Agreement, this arbitration provision will  is returned during the next six billing cycles, the fee will not  due immediately prior to the date on which the payment is  exceed $37.00. IN  IN  exceed $39.00)  $19.00   exceed $37 exceed $37 $18.50   in default until you fail to make a minimum payment on  we still retain a security interest, but we will do so only  st 
         � Late Payment    Retail Installment Credit Agreement for details. and promotional balances, in any manner, including in a  and any promotional balances is the �New Balance� shown  and any promotional balances is the �New Balance� shown  on your statement. calculate Interest Charges using the average daily balance  to different terms (including APR and duration). We ?gure the  average daily balance for a balance, we take the beginning  Interest Charges by applying the applicable monthly periodic  receive a required minimum payment within 60 days of its  the promotion states that there is no separate promotional  minimum payment, the required minimum payment for the  All other states   2.2491%  26.99%  exceed $39.00) 
                                                                                                                                                                            payment within 60 days of its due date. See Paragraph 3 for  by 1.030 and rounded up to the nearest $5.00, but not less  than $150.00 or not less than $250.00, based on the terms  at least ten years experience or a retired or former judge,  arbitration provision and the Administrator�s rules or other  at least ten years experience or a retired or former judge,  All other states   2.2491%  to the date on which the payment is returned. In addition,  26.99%  owed and any court costs, you agree to pay our reasonable 
                                                                                                                                           the nearest $5.00 increment.  For example, if the promotion is  $5.00, but not less than $150.00 or not less than $250.00,   State       Maximum Returned 
                            None                                                                                                                                                                                                                                                                                           Lesser of 5% of amount past  in the manner and to the extent permitted by applicable  law. If the Account is referred to an attorney who is not 
          Annual Fee                                                      on your statement. on your statement. Interest Charges by applying the applicable monthly periodic  balance each day, add any new transactions (except we do  rate to the �average daily balance� for that balance. To get the  minimum payment, the required minimum payment for the  promotional balance will be the amount of the promotional  of the offer. non-representative) basis. �Claim� also includes claims by or  given the broadest possible meaning that will be enforced.  arbitrator may award relief only on an individual (non-class,  �Administrator� means the American Arbitration Association,  govern. The arbitrator will take reasonable steps to protect  exceed $37.00. returned.  In addition, the ?rst time you make a payment  IN  two occasions within a twelve (12) month period). We 
                                                                                                                                                                            than $150.00 or not less than $250.00, based on the terms        selected in accordance with the rules of the Administrator.  provisions of this Agreement, this arbitration provision will  selected in accordance with the rules of the Administrator.  the ?rst time you make a payment that is returned, the fee  State  Maximum Returned  ME  IN  Greater of 5% of amount past  $19.00   Greater of 5% of amount past  $18.50   Lesser of 5% of amount pa   st 
                                                                          manner that may be bene?cial to us, except where otherwise  3. Your Regular Annual Percentage Rate: If Interest Charges  method (excluding current transactions). We calculate  due date, Interest will be charged to your account at the  for 12 months, the required minimum payment is determined  details. The required minimum payment for the promotional  attorney�s fees to the extent permitted by applicable law. 
         Fees                                                                                                                                                               based on the terms of the offer.  The minimum payment will  against any third party relating to or arising from your Card,  �Administrator� means the American Arbitration Association,  non-representative) basis. �Claim� also includes claims by or  335 Madison Avenue, New York, NY 10017, www.adr.org, 
                                                                                                           average daily balance for a balance, we take the beginning                                                                        govern. The arbitrator will take reasonable steps to protect  customer account information and other con?dential  State  Payment Fee  ME  due or $10.00  law. If the Account is referred to an attorney who is not  our salaried employee and we bring a suit against you to 
                                                                                                                                                                                                                                                                            will not exceed $27.00. If you make another payment that  that is returned, the fee will not exceed $28.00.  If you make  Maximum Returned  Payment Fee  IL, KY, WY  IL, KY, WY  due or $10.00 (but not to  Lesser of 5% of amount past  due or $10.00 (but not to  due or $10.00 .00)    also may repossess any article of merchandise in which 
         Penalty Fees      Up to $39. This fee varies by state. See Paragraph 11.A of the  prohibited by applicable law. The total of your regular balance  3. Your Regular Annual Percentage Rate: If Interest Charges  (which are FINANCE CHARGES) are assessed during a billing  Interest separately for each balance on your Account subject  rate to the �average daily balance� for that balance. To get the  not add in any new transactions in MN and NM); subtract  Regular APR from the promotional purchase date. Unless  promotional balance will be the amount of the promotional  purchase divided by the promotional period, rounded up  Lesser of 5% of amount pa
                                                                          3. Your Regular Annual Percentage Rate: If Interest Charges      as follows: 1/12th of the purchase price (less any down  balance will be 1/18th of the promotional purchase multiplied  of the offer. In the event of any con?ict or inconsistency between this  In the event of any con?ict or inconsistency between this  AK, KY, LA, ME, NH,  State  $37.00  Maximum Returned  ME  Notice to New Hampshire Residents: We will pay your 
                                                                                                                                                                            never be more than the remaining promotional purchase  8. Payments: All payments must be mailed or delivered to                                Lesser of 10% of outstanding  collect the amount you owe, in addition to the full amount 
                                                                                                           balance each day, add any new transactions (except we do  to the nearest $5.00 increment. However, if the promotion  your Account, or this Agreement. The term �Claim� is to be  335 Madison Avenue, New York, NY 10017, www.adr.org,  against any third party relating to or arising from your Card,  (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine, 
                                                                                                                                                                                                                                             customer account information and other con?dential  information if requested to do so by you or us. Arbitration  Payment Fee  ME 
                                                                                                                                                                                                                                                                            is returned during the next six billing cycles, the fee will not  another payment that is returned during the next six billing  AK, KY, LA, ME, NH,  $39.00  MA  exceed $39.00)  due or $10.00  we still retain a security interest, but we will do so only  our salaried employee and we bring a suit against you to   
         � Returned Payment                                                                                                                                                                                                                                                                                                           due or $10.00 Lesser of 10% of outstanding 
                              Up to $37. This fee varies by state. See Paragraph 11.B of the                                                                                                                                                                                                                                          exceed $37
         Penalty Fees                                                     and any promotional balances is the �New Balance� shown  average daily balance for a balance, we take the beginning  any payments or credits and any Late Payment Fees, any  purchase divided by the promotional period, rounded up  arbitration provision and the Administrator�s rules or other  arbitration provision and the Administrator�s rules or other  ND, OH, SD, VA, WA,  Payment Fee 
                                                                          (which are FINANCE CHARGES) are assessed during a billing  cycle, we will use the following Annual Percentage Rate (the  to different terms (including APR and duration). We ?gure the  the promotion states that there is no separate promotional  balance or $10.00  reasonable attorney�s fees if you prevail in a suit we bring  owed and any court costs, you agree to pay our reasonable 
                                                                                                                                           payment) and rounded up to the nearest $5.00.  However, if the  by 1.030 and rounded up to the nearest $5.00, but not less  8. Payments: All payments must be mailed or delivered to  balance.  If the promotion states that there is no separate  us at the address shown on the front of the billing statement  your Account, or this Agreement. The term �Claim� is to be  CA 92614, www.jamsadr.com, (949) 224-1810. hearings for Claims by or against you will take place in the  AK, KY, LA, ME, NH,  $37.00  MA  Lesser of 10% of outstanding  in the manner and to the extent permitted by applicable  collect the amount you owe, in addition to the full amount 
           � Late Payment  Annual Fee Retail Installment Credit Agreement for details. None (which are FINANCE CHARGES) are assessed during a billing 
                                                                          �Regular APR�) and corresponding monthly periodic rate,  balance each day, add any new transactions (except we do  Returned Payment Fees, and/or unpaid Interest Charges;  not add in any new transactions in MN and NM); subtract  to the nearest $5.00 increment. However, if the promotion  speci?es a minimum purchase amount, in no case will the  given the broadest possible meaning that will be enforced.  (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine, 
                                                                          on your statement.                                                                                                                                                 provisions of this Agreement, this arbitration provision will  information if requested to do so by you or us. Arbitration 
                            Up to $37. This fee varies by state. See Paragraph 11.B of the                                                                                                                                                                              WI  exceed $37.00. cycles, the fee will not exceed $39.00. ND, OH, SD, VA, WA,  IN  MA  IN  $19.00   $18.50   balance or $10.00   st 
                            Retail Installment Credit Agreement for details. cycle, we will use the following Annual Percentage Rate (the  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 
                                                                          cycle, we will use the following Annual Percentage Rate (the     promotion speci?es a minimum purchase amount, in no case  us at the address shown on the front of the billing statement  promotional minimum payment, then the amount of the  and accompanied by the payment slip. You must pay us in  provisions of this Agreement, this arbitration provision will  ND, OH, SD, VA, WA,  AK, KY, LA, ME, NH,  $39.00  balance or $10.00  $10.00 (except $5.00 if the  Lesser of 10% of outstanding 
                                                                                                                                                                                                                                                                                                                                             owed and any court costs, you agree to pay our reasonable  against you or if you prevail in a suit you bring against us  attorney�s fees to the extent permitted by applicable law. 
                                                                                                           any payments or credits and any Late Payment Fees, any  minimum payment be less than the minimum purchase  �Administrator� means the American Arbitration Association,  CA 92614, www.jamsadr.com, (949) 224-1810. given the broadest possible meaning that will be enforced.  federal judicial district in which you reside. If you make a 
                                                                          subject to any promotional terms: not add in any new transactions in MN and NM); subtract  and make other adjustments. This gives us the daily balance.  speci?es a minimum purchase amount, in no case will the  B. We OR you have the right to require that each Claim be  govern. The arbitrator will take reasonable steps to protect  hearings for Claims by or against you will take place in the  State  Maximum Returned  MA  law. If the Account is referred to an attorney who is not 
                                                                                                                                                                                                                                             govern. The arbitrator will take reasonable steps to protect                  Lesser of 5% of amount past 
                                                                                                                                                                                                                                                                        WI  AL, AR, HI, KS, MN,  ND, OH, SD, VA, WA,  WI  $30.00  MO  minimum payment is $5.00 to  Lesser of 5% of amount pa balance or $10.00 $10.00 (except $5.00 if the    Notice to New Hampshire Residents: We will pay your 
         � Late Payment                                                   �Regular APR�) and corresponding monthly periodic rate,  rate to the �average daily balance� for that balance. To get the  promotional balance will be the amount of the promotional  of the offer. U.S. dollars drawn on funds on deposit in the United States  request to us in writing, we will temporarily advance to you    State  Maximum Returned  ME  under this Agreement. If you successfully assert a partial 
                            Retail Installment Credit Agreement for details. 3. Your Regular Annual Percentage Rate: If Interest Charges  �Regular APR�) and corresponding monthly periodic rate,  Returned Payment Fees, and/or unpaid Interest Charges;  will the minimum payment be less than the minimum purchase  amount divided by the promotional period, which may  and accompanied by the payment slip. You must pay us in  promotional balance will be included in your regular balance  �Administrator� means the American Arbitration Association,  $10.00 (except $5.00 if the  attorney�s fees to the extent permitted by applicable law. 
                                                                                                           any payments or credits and any Late Payment Fees, any  minimum payment be less than the minimum purchase  335 Madison Avenue, New York, NY 10017, www.adr.org,  resolved by arbitration on an individual (non-class, non- customer account information and other con?dential  federal judicial district in which you reside. If you make a  MT, SC, TN, TX    Payment Fee 
                                                                                                                                                                                                            B. We OR you have the right to require that each Claim be  customer account information and other con?dential  AL, AR, HI, KS, MN,  WI  AL, AR, HI, IA,  $30.00  KS, MN,  $30.00  ME  due or $10.00 
                                                                                                           Then, we add up all the daily balances for the billing cycle and                                                                                                                                           MO   $24.99)           our salaried employee and we bring a suit against you to 
                              Up to $37. This fee varies by state. See Paragraph 11.A of the  subject to any promotional terms: average daily balance for a balance, we take the beginning  purchase divided by the promotional period, rounded up  U.S. dollars drawn on funds on deposit in the United States  for the purpose of calculating your minimum payment. using a check or similar instrument that will be processed    Payment Fee 
                                                                                                                                                                                                            120 Broadway, Floor 21, New York, NY 10271, www.adr.org,  the ?ling, administrative, and hearing fees for the arbitration  AK, KY, LA, ME, NH,  $37.00  MO  minimum payment is $5.00 to  due or $10.00 $10.00 (except $5.00 if the  minimum payment is $5.00 to 
                                                                                                                                                                                                                                                                                                                                             Notice to New Hampshire Residents: We will pay your  defense or counterclaim, the court may withhold part or  reasonable attorney�s fees if you prevail in a suit we bring 
        How We Will Calculate Your Balance: We use a method called �average daily balance (including new   Penalty Fees   (which are FINANCE CHARGES) are assessed during a billing  amount divided by the promotional period, which may shorten                                                                                             collect the amount you owe, in addition to the full amount 
         � Returned Payment                                               subject to any promotional terms: Returned Payment Fees, and/or unpaid Interest Charges;  and make other adjustments. This gives us the daily balance.  amount divided by the promotional period, which may  shorten your repayment period in certain instances. The  8. Payments: All payments must be mailed or delivered to  (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine,  resolved by arbitration on an individual (non-class, non- representative) basis. A Claim will be arbitrated if (1) both we  request to us in writing, we will temporarily advance to you  MT, SC, TN, TX    MT, SC, TN, TX    Lesser of 10% of outstanding  $24.99) 
                                                                                                           balance each day, add any new transactions (except we do  divide the total by the number of days in the billing cycle. This  and honored by your bank. Do not send cash payments. We  information if requested to do so by you or us. Arbitration  information if requested to do so by you or us. Arbitration  Greater of 5% of amount past 
                                                                                                                                           to the nearest $5.00 increment. However, if the promotion                                                                                                                                         against you or if you prevail in a suit you bring against us 
                            Up to $37. This fee varies by state. See Paragraph 11.B of the  Up to $37. This fee varies by state. See Paragraph 11.A of the  cycle, we will use the following Annual Percentage Rate (the  Then, we add up all the daily balances for the billing cycle and  State  Maximum Late Payment Fee   your repayment period in certain instances.  The minimum  minimum payment will never be more than the remaining  using a check or similar instrument that will be processed  (800) 778-7879; or JAMS, 18881 Von Karman Ave., Suite  the ?ling, administrative, and hearing fees for the arbitration  of your Claim against us (but not if the Claim is against you)  AZ, CO, IL, IN, MI, NV,  AK, KY, LA, ME, NH,  AL, AR, HI, IA,  $25.00  KS, MN,  $39.00  $30.00  MA 
                                                                                                                                                                                                                                                                        ND, OH, SD, VA, WA,                           MO   $24.99)    minimum payment is $5.00 to   
                                                                                    We apply the  ANNUAL                                                                    us at the address shown on the front of the billing statement  CA 92614, www.jamsadr.com, (949) 224-1810. and you or (2) only one or the other of we or you, exercise the  NE  MA  balance or $10.00  Lesser of 10% of outstanding  reasonable attorney�s fees if you prevail in a suit we bring  all of any attorney�s fees to which we may be entitled.
                            Retail Installment Credit Agreement for details.                               and make other adjustments. This gives us the daily balance.  shorten your repayment period in certain instances. The  8. Payments: All payments must be mailed or delivered to  representative) basis. A Claim will be arbitrated if (1) both we  hearings for Claims by or against you will take place in the  NC, OK, RI, WV  MT, SC, TN, TX    due or $5.00 (but not to exceed  owed and any court costs, you agree to pay our reasonable 
        purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new   � Returned Payment If you reside in   not add in any new transactions in MN and NM); subtract  gives us the average daily balance. Any negative daily balance  speci?es a minimum purchase amount, in no case will the  can accept late or partial payments, as well as payments that  hearings for Claims by or against you will take place in the 
                                                                          �Regular APR�) and corresponding monthly periodic rate,                                           and honored by your bank. Do not send cash payments. We  350, Irvine, CA 92612, www.jamsadr.com, (949) 224-1810. in excess of any ?ling fee you would have been required to  WI  under this Agreement. If you successfully assert a partial 
                                                                                                           divide the total by the number of days in the billing cycle. This  payment will never be more than the remaining promotional  promotional purchase balance. If the promotion states that  AZ, CO, IL, IN, MI, NV,  ND, OH, SD, VA, WA,  $25.00  Greater of 5% of amount past  balance or $10.00 $24.99)  Greater of 5% of amount past  against you or if you prevail in a suit you bring against us 
         � Late Payment     Retail Installment Credit Agreement for details.        We apply the  monthly  ANNUAL  PERCENTAGE   Then, we add up all the daily balances for the billing cycle and  State  AK, AR, CT, HI, LA, MD, MI,  Maximum Late Payment Fee   $37.00 (except $29.00 if the  minimum payment will never be more than the remaining  and accompanied by the payment slip. You must pay us in  right to require that the Claim be arbitrated. If, for example,  of your Claim against us (but not if the Claim is against you)  AZ, CO, IL, IN, MI, NV,  $25.00  $10.00 (except $5.00 if the  $39.00)  attorney�s fees to the extent permitted by applicable law.  14. Down Payments, Limiting Your Credit, or Closing 
                            Retail Installment Credit Agreement for details.                                                                                                us at the address shown on the front of the billing statement  re?ect �paid in full� or other restrictive endorsements, without  and you or (2) only one or the other of we or you, exercise the  federal judicial district in which you reside. If you make a  federal judicial district in which you reside. If you make a  NE  NE  due or $5.00 (but not to exceed  due or $5.00 (but not to exceed  defense or counterclaim, the court may withhold part or 
        purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details. subject to any promotional terms: If you reside in   the state of:   any payments or credits and any Late Payment Fees, any  will be treated as zero. If Interest Charges are imposed and  minimum payment be less than the minimum purchase  can accept late or partial payments, as well as payments that  B. We OR you have the right to require that each Claim be  pay to ?le the Claim in a state or federal court (whichever is  AL, AR, HI, KS, MN,  NC, OK, RI, WV  CA, MD, MO  WI  $30.00  $15.00 
                                                                                    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  purchase balance.  If the promotion states that there is no  there is no separate promotional minimum payment, then  U.S. dollars drawn on funds on deposit in the United States  we exercise our right to require that the Claim be resolved by  in excess of any ?ling fee you would have been required to  NC, OK, RI, WV 
                                                                                                                                                                                                                                                                              AZ, CO, IL, IN, MI, NV,  $25.00  MO          minimum payment is $5.00 to  $10.00 (except $5.00 if the  Greater of 5% of amount past  Notice to New Hampshire Residents: We will pay your  under this Agreement. If you successfully assert a partial 
                                                                                                                                                                                                                                                                                                                           $10.00 (except $5.00 if the  Your Account: You have the right to close your Account 
                                                                                    monthly    PERCENTAGE   Returned Payment Fees, and/or unpaid Interest Charges;  divide the total by the number of days in the billing cycle. This 
                                                                                                           the total Interest that results from application of the above  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  amount divided by the promotional period, which may  promotional purchase balance. If the promotion states that 
        How We Will Calculate Your Balance: We use a method called �average daily balance (including new                                                                    and accompanied by the payment slip or otherwise made in  losing any of our rights under this Agreement. We credit your  resolved by arbitration on an individual (non-class, non- right to require that the Claim be arbitrated. If, for example,  B. We OR you have the right to require that each Claim be  request to us in writing, we will temporarily advance to you  request to us in writing, we will temporarily advance to you  less) in the judicial district in which you reside. At the end of  MT, SC, TN, TX    $39.00)  all of any attorney�s fees to which we may be entitled.
                                                                           the state of:                   will be treated as zero. If Interest Charges are imposed and                                                                                                 CT, ID, IA, NJ, NY, UT  AL, AR, HI, IA,  $20.00  $30.00       $37.00) 
                                                                                                                                                                                                                                                                                                                      NE 
                                                                                                                  OH, OR, PA, SD, WI  or less)  separate promotional minimum payment, then the amount  the amount of the promotional balance will be included in  re?ect �paid in full� or other restrictive endorsements, without  arbitration but you do not also exercise your right to require  pay to ?le the Claim in a state or federal court (whichever is  CA, MD, MO  KS, MN, 
                                                                                                                                                                                                                                                                              NC, OK, RI, WV  $15.00         NC       MO   $24.99)  outstanding balance is under  minimum payment is $5.00 to  due or $5.00 (but not to exceed  defense or counterclaim, the court may withhold part or 
                            Up to $37. This fee varies by state. See Paragraph 11.A of the                                                                                  using a check or similar instrument that will be processed                                                                                                       reasonable attorney�s fees if you prevail in a suit we bring  at any time, for any reason. You will still be liable for any 
                                                                                    periodic rate of:   RATE  gives us the average daily balance. Any negative daily balance 
                                                                                                           and make other adjustments. This gives us the daily balance.  there is no separate promotional minimum payment, then 
                                                                                                           calculation to each balance is less than $1.00, we will impose  MN, MS, NV, NH, NY, ND,  outstanding balance is $249.99  shorten your repayment period in certain instances. The  accordance with the instructions on the billing statement.  payments in accordance with our payment instructions on the  we exercise our right to require that the Claim be resolved by  the ?ling, administrative, and hearing fees for the arbitration  CA, MD, MO  $15.00   balance is under 
        Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is  purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new   � Returned Payment the total Interest that results from application of the above  representative) basis. A Claim will be arbitrated if (1) both we  resolved by arbitration on an individual (non-class, non- the ?ling, administrative, and hearing fees for the arbitration  the arbitration, the arbitrator will decide if you have to repay  MT, SC, TN, TX    $10.00 (except $5.00 if the 
                                                                                                                                                                                                                                                                                                                           $100.00)   $37.00)  $10.00 (except $5.00 if the  all of any attorney�s fees to which we may be entitled.
        How We Will Calculate Your Balance: We use a method called �average daily balance (including new  1.75% to $750.00   21%  will be treated as zero. If Interest Charges are imposed and  5% of amount past due but not  the amount of the promotional balance will be included in  of the promotional balance will be included in your regular  your regular balance for the purpose of calculating your  losing any of our rights under this Agreement. We credit your 
                                                                                                                                                                            and honored by your bank. Do not send cash payments. We  that the Claim be arbitrated, the Claim will be resolved by  less) in the judicial district in which you reside. At the end of  AZ, CO, IL, IN, MI, NV,  CT, ID, IA, NJ, NY, UT  FL  $25.00  $20.00  Greater of 5% of amount of  Greater of 5% of amount past  $24.99) 
                                                                                                                                                                                                                                                                                                             NC            outstanding balance is under  against you or if you prevail in a suit you bring against us  balances owed. We may limit or terminate the use of your  14. Down Payments, Limiting Your Credit, or Closing 
                                                                                                           Then, we add up all the daily balances for the billing cycle and  State  OH, OR, PA, SD, WI  Maximum Late Payment Fee   or less)  minimum payment will never be more than the remaining  You must pay us in U.S. dollars drawn on funds on deposit  billing statement. arbitration but you do not also exercise your right to require  of your Claim against us (but not if the Claim is against you) 
                            Retail Installment Credit Agreement for details. AL     We apply the  ANNUAL   a minimum Interest Charge of $1.00 (which is a FINANCE                                           representative) basis. A Claim will be arbitrated if (1) both we  of your Claim against us (but not if the Claim is against you)  the advance (and if you do have to repay, you agree to do  CT, ID, NJ, NY, UT 
                                                                                                           calculation to each balance is less than $1.00, we will impose  minimum payment. payments in accordance with our payment instructions on the  and you or (2) only one or the other of we or you, exercise the  NC, OK, RI, WV  CA, MD, MO  payment or $25.00 (max  $15.00  $20.00  NC 
        purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details.                                                                                                                                                                                                              NE            due or $5.00 (but not to exceed  outstanding
                                                                                                                                                                                                                                                                                                                           The greater of 5% of the unpaid 
                                                                           If you reside in                                                                                                                                                                                                                                           $10.00 (except $5.00 if the   balance is under  Your Account: You have the right to close your Account 
        purchases)� in all states except MN and NM; we use a method called �average daily balance (excluding new  provided in your Retail Installment Credit Agreement. 1.5% over $750.00  18%  balance for the purpose of calculating your minimum payment. the arbitration, the arbitrator will decide if you have to repay 
                                                                                                           the total Interest that results from application of the above    can accept late or partial payments, as well as payments that  arbitration. If neither we nor you request arbitration, the Claim  FL  Greater of 5% of amount of  Greater of 5% of amount past  under this Agreement. If you successfully assert a partial 
                                                                                    1.75% to $750.00   21%  divide the total by the number of days in the billing cycle. This  AL  more than $37.00 and not less  your regular balance for the purpose of calculating your  that the Claim be arbitrated, the Claim will be resolved by  in excess of any ?ling fee you would have been required to 
                                                                                                                                           promotional purchase balance. If the promotion states that                                        so). Unless applicable law requires otherwise, we will pay  AZ, CO, IL, IN, MI, NV,  $25.00  $100.00)  14. Down Payments, Limiting Your Credit, or Closing  Account and/or raise or lower your credit limit at any 
                                                                                    monthly    PERCENTAGE   CHARGE); except in MI, MO, NY, TN, and TX, where we will  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  5% of amount past due but not                                                                        $100.00) 
                                                                           AL                              a minimum Interest Charge of $1.00 (which is a FINANCE           billing statement. in the United States using a check, electronic authorization 
                                                                                                                                                                            9. Legal Notices: All notices, including notices relating to  right to require that the Claim be arbitrated. If, for example,  and you or (2) only one or the other of we or you, exercise the  in excess of any ?ling fee you would have been required to  $37.00) 
                                                                                                                                                                                                            will not be resolved by arbitration and instead will be litigated  the advance (and if you do have to repay, you agree to do  CT, ID, NJ, NY, UT  FL  $20.00  Greater of 5% of amount of  OK  NC  $39.00)  amount of the installment or  outstanding at any time, for any reason. You will still be liable for any 
        purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details. the state of:   calculation to each balance is less than $1.00, we will impose 
        Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is                    than $18.00  minimum payment. Reduced Rate Plans. If any single purchase is designated as  re?ect �paid in full� or other restrictive endorsements, without  arbitration. If neither we nor you request arbitration, the Claim  pay to ?le the Claim in a state or federal court (whichever is  payment or $25.00 (max  NE  The greater of 5% of the unpaid  due or $5.00 (but not to exceed  defense or counterclaim, the court may withhold part or  time and for any reason without advance notice to you. 
                                                                                    periodic rate of:   1.5% over $750.00  RATE  18%  gives us the average daily balance. Any negative daily balance  impose a minimum Interest Charge of $0.70 (which is a  CHARGE); except in MI, MO, NY, TN, and TX, where we will  MN, MS, NV, NH, NY, ND,  AL  outstanding balance is $249.99  more than $37.00 and not less  there is no separate promotional minimum payment, then  Reduced Rate Plans. If any single purchase is designated as  or similar instrument that will be processed and honored by  legal actions, bankruptcy notices, and any notice to us that  we exercise our right to require that the Claim be resolved by  right to require that the Claim be arbitrated. If, for example,  in court. We will not elect arbitration for any Claim you ?le  so). Unless applicable law requires otherwise, we will pay  pay to ?le the Claim in a state or federal court (whichever is  our, and you will pay your, lawyers�, experts�, and witnesses�  CA, MD, MO  GA  NC, OK, RI, WV  $15.00  Greater of 5% of amount of  Your Account: You have the right to close your Account 
                                                                           AR       1.4167%    17%                                                                                                                                                                                         payment or $25.00 (max          $10.00 (except $5.00 if the  $25.00 (not to exceed $39.00)  $100.00)  The greater of 5% of the unpaid  balances owed. We may limit or terminate the use of your 
        How We Will Calculate Your Balance: We use a method called �average daily balance (including new   a minimum Interest Charge of $1.00 (which is a FINANCE  purchased under a reduced rate plan, we will calculate the  losing any of our rights under this Agreement. We credit your  $37.00) 
                                                                                                                                                                            9. Legal Notices: All notices, including notices relating to                                                                                                     all of any attorney�s fees to which we may be entitled.
                                                                                                                                                                                                            will not be resolved by arbitration and instead will be litigated  less) in the judicial district in which you reside. At the end of  fees. The arbitrator will apply applicable substantive law  FL  Greater of 5% of amount of  OK  amount of the installment or  $37.00) 
                                                                                                                                                                                                                                                                        CT, ID, IA, NJ, NY, UT  $20.00                                       at any time, for any reason. You will still be liable for any  On some transactions, we may require a down payment. 
        JARED THE GALLERIA OF JEWELRY RETAIL INSTALLMENT CREDIT AGREEMENT provided in your Retail Installment Credit Agreement. will be treated as zero. If Interest Charges are imposed and                                                                                                                                                      37.00) 
        Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is  FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  impose a minimum Interest Charge of $0.70 (which is a  OH, OR, PA, SD, WI  or less)  than $18.00  $10.00 (except $5.00 if the  the amount of the promotional balance will be included in  Reduced Rate Plans. If any single purchase is designated as  purchased under a reduced rate plan, we will calculate the  your bank.  Do not send cash payments.  We can accept late  you are represented by counsel in connection with your debt  arbitration but you do not also exercise your right to require  we exercise our right to require that the Claim be resolved by  in small claims court, so long as the Claim is individual and  our, and you will pay your, lawyers�, experts�, and witnesses�  less) in the judicial district in which you reside. At the end of  GA  Greater of 5% of amount of  $39.00)  NC  RI  OK  outstanding balance is under  $12.00  amount of the installment or 
                                                                           AR  CO, GA,   1.4167%  17%      CHARGE); except in MI, MO, NY, TN, and TX, where we will  Interest for the promotional balance by using an APR that  payments in accordance with our payment instructions on the  legal actions, bankruptcy notices, and any notice to us that  CA, MD, MO  $37.00)  $15.00  payment or $25.00 (max  $25.00 (not to exceed $39.00)  The greater of 5% of the unpaid   balance is under  Account and/or raise or lower your credit limit at any 
                                                                                                                                                                                                                                                                                                                                             balances owed. We may limit or terminate the use of your  Some purchases will require our prior authorization, in 
        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  MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  AZ, KS  minimum payment is $5.00 to  your regular balance for the purpose of calculating your  purchased under a reduced rate plan, we will calculate the  Interest for the promotional balance by using an APR that  or partial payments, as well as payments that re?ect �paid in  in court. We will not elect arbitration for any Claim you ?le  arbitration but you do not also exercise your right to require  the arbitration, the arbitrator will decide if you have to repay  the arbitration, the arbitrator will decide if you have to repay  consistent with the FAA and applicable statutes of limitations,  FL  GA  Greater of 5% of amount of  Greater of 5% of amount of  $100.00)  5% of amount past due, but not  $10.00 (except $5.00 if the 
                                                                                    1.75% to $750.00   21%                                                                  to us, must be sent to us at Genesis FS Card Services, P.O. Box  that the Claim be arbitrated, the Claim will be resolved by  pending only in that court. The arbitrator�s authority to resolve  fees. The arbitrator will apply applicable substantive law  $24.50 (not to exceed $
                                                                                                                                                                                                                                                                        OR          $35.00                   RI            $12.00            14. Down Payments, Limiting Your Credit, or Closing 
        provided in your Retail Installment Credit Agreement.              MS, OK, TN,  1.75%  21%         impose a minimum Interest Charge of $0.70 (which is a  5% of amount past due but not  $10.00 (except $5.00 if the                                                                                                                 time and for any reason without advance notice to you. 
        In this Jared The Galleria Of Jewelry Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer to  AL   is less than your Regular APR (the �Promotional APR�), in  billing statement. you are represented by counsel in connection with your debt  in small claims court, so long as the Claim is individual and  the advance (and if you do have to repay, you agree to do  will honor claims of privilege recognized at law, and will have  CT, ID, NJ, NY, UT  $20.00  $39.00)  NC  OK  outstanding amount of the installment or  Account and/or raise or lower your credit limit at any  which case you may be asked to provide identi?cation.  37.00) 
        purchases)� in MN and NM. See the Retail Installment Credit Agreement for more details. CO, GA,    calculation to each balance is less than $1.00, we will impose  a minimum Interest Charge of $0.50 (which is a FINANCE  MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  $25.00)  minimum payment. Interest for the promotional balance by using an APR that  is less than your Regular APR (the �Promotional APR�), in  full� or other restrictive endorsements, without losing any of  4485, Beaverton, OR 97076-4485. If these notices are sent to  arbitration. If neither we nor you request arbitration, the Claim  that the Claim be arbitrated, the Claim will be resolved by  SC  more than $18.50 and not less 
        KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT    1.5% over $750.00  18%                                                                                                  Claims is limited to Claims between you and us alone, and               payment or $25.00 (max 
                                                                                                                  AZ, KS         minimum payment is $5.00 to                                                                                 consistent with the FAA and applicable statutes of limitations,  the advance (and if you do have to repay, you agree to do  $37.00)  payment or $30.00 (max  RI  The greater of 5% of the unpaid  $12.00  Your Account: You have the right to close your Account  On some transactions, we may require a down payment.   but not 
                                                                           TX, VT, WY                      FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  AL  more than $37.00 and not less  lieu of the Regular APR during the speci?ed promotional  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  so). Unless applicable law requires otherwise, we will pay  the power to award to a party any damages or other relief  DC, DE, MA, MS, NE,  GA  None  Greater of 5% of amount of  5% of amount past due, but not  $24.50 (not to exceed $
        any person who signs the Application for this Account or this Agreement, or has requested and is issued a Jared The Galleria                                                                                                                                    OR   FL     $37.00)  $35.00  Greater of 5% of amount of  $39.00)  OK  amount of the installment or  than $7.40   $100.00)  time and for any reason without advance notice to you.  If our authorization system is not working, we may 
                                                                           MS, OK, TN,  1.75%  21%         a minimum Interest Charge of $1.00 (which is a FINANCE  CHARGE). Furthermore, there is no minimum Interest Charge  a minimum Interest Charge of $0.50 (which is a FINANCE  CA, CO, DC, IA  $15.00  is less than your Regular APR (the �Promotional APR�), in  lieu of the Regular APR during the speci?ed promotional  9. Legal Notices: All notices, including notices relating to  our rights under this Agreement.  We credit your payments  any other address, it will not satisfy any notice requirement  will not be resolved by arbitration and instead will be litigated  arbitration. If neither we nor you request arbitration, the Claim  the arbitrator�s authority to make awards or decisions is  will honor claims of privilege recognized at law, and will have  so). Unless applicable law requires otherwise, we will pay  NM, PA, VT, WY  SC  more than $18.50 and not less  5% of amount past due, 18.00 and not less  at any time, for any reason. You will still be liable for any  Some purchases will require our prior authorization, in 
                                                                                               24%         MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  than $18.00  $25.00) 
        Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is  DC, MD  2.0%               Reduced Rate Plans. If any single purchase is designated as  period (which may be 6 months, 12 months, or some other 
        KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT                                                                                            4485, Beaverton, OR 97076-4485. If these notices are sent to     provided for under applicable law. The arbitrator will make 
        Of Jewelry credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Jared The Galleria Of Jewelry and Jared Vault,                                                                   Claims is limited to Claims between you and us alone, and  our, and you will pay your, lawyers�, experts�, and witnesses�  GA  DC, DE, MA, MS, NE,  OR  Greater of 5% of amount of  payment or $30.00 (max 
                                                                                                                                                                                                                                                                                           payment or $25.00 (max     RI   $25.00 (not to exceed $39.00)  Greater of 5% of amount past  $12.00  On some transactions, we may require a down payment.  not be able to authorize a transaction, even if you have   but not 
        In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer  AR  TX, VT, WY  1.4167%  17%  CHARGE); except in MI, MO, NY, TN, and TX, where we will  CHARGE). Furthermore, there is no minimum Interest Charge  $35.00                                   The greater of 5% of the unpaid 
                                                                                                           a minimum Interest Charge of $0.50 (which is a FINANCE  in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us  DE, NM, TN, VT  None  lieu of the Regular APR during the speci?ed promotional  period (which may be 6 months, 12 months, or some other  legal actions, bankruptcy notices, and any notice to us that  in accordance with our payment instructions on the billing  under this Agreement or any other legal requirement that you  in court. We will not elect arbitration for any Claim you ?le  will not be resolved by arbitration and instead will be litigated  limited to you and us alone. Furthermore, Claims between  the power to award to a party any damages or other relief  our, and you will pay your, lawyers�, experts�, and witnesses�  None     which case you may be asked to provide identi?cation. 
                                                                                                                  CA, CO, DC, IA  $15.00   purchased under a reduced rate plan, we will calculate the  period speci?ed by us). The Promotional APR will return to  any other address, it will not satisfy any notice requirement  the arbitrator�s authority to make awards or decisions is  fees. The arbitrator will apply applicable substantive law  any award in writing and, if requested by you or us, will  $39.00)  SC  than $7.40   more than $ balances owed. We may limit or terminate the use of your 
                                                                                                                                 $10.00 (except $5.00 if the                                                                                                            NM, PA, VT, WY     $39.00)           RI  UT        $12.00  due or $30.00 (but not to  5% of amount past due, 18.00 and not less  Some purchases will require our prior authorization, in 
        provided in your Retail Installment Credit Agreement. P.O. Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account,  in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us  period (which may be 6 months, 12 months, or some other  statement. provide notice to us. in court. We will not elect arbitration for any Claim you ?le  you and us may not be joined or consolidated in arbitration  fees. The arbitrator will apply applicable substantive law  OK  amount of the installment or  suf?cient available credit. We will not be liable to you if 
        to any person who signs the Application for this Account or this Agreement, or has requested and is issued a Kay Jewelers and Kay  HI, MA, MN, NC  1.5%  18%  impose a minimum Interest Charge of $0.70 (which is a  period speci?ed by us). The Promotional APR will return to  you are represented by counsel in connection with your debt  in small claims court, so long as the Claim is individual and  provided for under applicable law. The arbitrator will make  DC, DE, MA, MS, NE,  None  Greater of 5% of amount past  than $7.20 Account and/or raise or lower your credit limit at any  If our authorization system is not working, we may  37.00) 
                                                                           DC, MD   2.0%       24%         to round any calculation used to determine Interest Charges,                                                                                                                                                    exceed $39.00) 
        In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer  CO, GA,   CHARGE). Furthermore, there is no minimum Interest Charge  FL, MT, NJ, TX  $10.00  Interest for the promotional balance by using an APR that  your Regular APR at the expiration of the promotional period  under this Agreement or any other legal requirement that you  limited to you and us alone. Furthermore, Claims between  consistent with the FAA and applicable statutes of limitations,  provide a brief statement of the reasons for the award. OR  $37.00)  $35.00 
        and/or any amount due on your Account may be assigned. �Account� means your Jared The Galleria Of Jewelry Account, which                                                                                                                                                                                      SC              more than $    which case you may be asked to provide identi?cation. 
        Jewelers Outlet credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O.  FINANCE CHARGE); and in AL, AZ, CO, IN, ME, MA, MN, MS,  to round any calculation used to determine Interest Charges,  AZ, KS  DE, NM, TN, VT  minimum payment is $5.00 to  None  period speci?ed by us). The Promotional APR will return to  your Regular APR at the expiration of the promotional period  to us, must be sent to us at Genesis FS Card Services, P.O. Box  in small claims court, so long as the Claim is individual and  with Claims brought by or against someone other than you,  any award in writing and, if requested by you or us, will  consistent with the FAA and applicable statutes of limitations,  GA  NM, PA, VT, WY  Greater of 5% of amount of  5% of amount past due, but not  $24.50 (not to exceed $ this happens. We are not responsible for the refusal of  not be able to authorize a transaction, even if you have 
        to any person who signs the Application for this Account or this Agreement, or has requested and is issued a Kay Jewelers and Kay  MS, OK, TN,  IN, MI, NY, OH, WV  1.75%  2.0825%  21%  24.99%  in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us  including rounding that may cause minor variations in our  GA  $25.00  is less than your Regular APR (the �Promotional APR�), in  or if we do not receive a required minimum payment within  provide notice to us. 9. Legal Notices: All notices, including notices relating to  10. Arbitration for Disputes � No Jury Trials or Class  pending only in that court. The arbitrator�s authority to resolve  OR  $35.00  UT  due or $30.00 (but not to  Greater of 5% of amount past  time and for any reason without advance notice to you. 
                                                                           HI, MA, MN, NC  1.5%  18%       including rounding that may cause minor variations in our                                        you and us may not be joined or consolidated in arbitration                                                    5% of amount of installment (but  If our authorization system is not working, we may 
        will be governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has apparent  Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or  MT, NJ, OK, SC, SD, VT, WV, and WY, where we will impose  FL, MT, NJ, TX  $25.00)  $10.00  will honor claims of privilege recognized at law, and will have  DC, DE, MA, MS, NE,  None 
                                                                                                                                           your Regular APR at the expiration of the promotional period  or if we do not receive a required minimum payment within  4485, Beaverton, OR 97076-4485. If these notices are sent to  Claims is limited to Claims between you and us alone, and  pending only in that court. The arbitrator�s authority to resolve  unless otherwise agreed to in writing by all parties. However,  provide a brief statement of the reasons for the award. will honor claims of privilege recognized at law, and will have  E. Judgment upon the arbitrator�s award may be entered in  payment or $30.00 (max  SC  VA  more than $18.50 and not less 
                                                                                                                                                                                                                                                                                                                      RI   exceed $39.00)  than $7.20
        KAY JEWELERS AND KAY JEWELERS OUTLET RETAIL INSTALLMENT CREDIT AGREEMENT                                                           60 days of its due date. See Paragraph 3 for details. Unless  Actions: This paragraph describes how all Claims (as de?ned                                                                  $12.00  anyone to accept or honor a Card associated with this 
                                                                                                           favor. The applicable monthly periodic rate for a balance is                                                                                                 DC, DE, MA, MS, NE,  None                     UT   not to exceed $39.00)  due or $30.00 (but not to  .00)  On some transactions, we may require a down payment.  suf?cient available credit. We will not be liable to you if   but not 
        Jewelers Outlet credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O.  TX, VT, WY  to round any calculation used to determine Interest Charges,  Greater of 5% of amount past  lieu of the Regular APR during the speci?ed promotional  legal actions, bankruptcy notices, and any notice to us that  with Claims brought by or against someone other than you,  the power to award to a party any damages or other relief  NM, PA, VT, WY  than $7.40   not be able to authorize a transaction, even if you have 
        authority to do so. �Card� means any access device or method by which the Account may be accessed, including the Account  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  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  $39.00)  Greater of 5% of amount past  Account. All Cards we issue remain our property and, if  this happens. We are not responsible for the refusal of 
        Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or  IN, MI, NY, OH, WV  2.0825%  24.99%  a minimum Interest Charge of $0.50 (which is a FINANCE  CA, CO, DC, IA  GA  $15.00  $25.00  or if we do not receive a required minimum payment within  60 days of its due date. See Paragraph 3 for details. Unless  the promotion states that there is no separate promotional  any other address, it will not satisfy any notice requirement  10. Arbitration for Disputes � No Jury Trials or Class  the arbitrator�s authority to make awards or decisions is  Claims is limited to Claims between you and us alone, and  the power to award to a party any damages or other relief  5% of amount of installment (but 
                                                                                               21%         including rounding that may cause minor variations in our  the applicable Annual Percentage Rate divided by twelve (12),  period (which may be 6 months, 12 months, or some other  you are represented by counsel in connection with your debt  in subparagraph A below) will be arbitrated, at the election of  unless otherwise agreed to in writing by all parties. However,  E. Judgment upon the arbitrator�s award may be entered in  NM, PA, VT, WY  VA  $39.00 (except 10% of the  5% of amount past due, exceed $37 18.00 and not less  Some purchases will require our prior authorization, in 
        will be governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has apparent  DC, MD  NE  2.0%  1.5% for $500.00 and  24%  CHARGE). Furthermore, there is no minimum Interest Charge  the applicable Annual Percentage Rate divided by twelve (12),  ID  due or $15.00 (but not to  provided for under applicable law. The arbitrator will make 
                                                                                                                                           60 days of its due date. See Paragraph 3 for details. Unless  Actions: This paragraph describes how all Claims (as de?ned  the arbitrator�s authority to make awards or decisions is  Account, or corporate af?liates are considered one person  provided for under applicable law. The arbitrator will make  any claims will be ?nal and binding, except for any appeal  regular balance. Greater of 5% of amount past  .00)  suf?cient available credit. We will not be liable to you if 
        number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are            the promotion states that there is no separate promotional  under this Agreement or any other legal requirement that you  limited to you and us alone. Furthermore, Claims between  OR  $35.00  UT  not to exceed $39.00)  due or $30.00 (but not to     which case you may be asked to provide identi?cation.  requested, you agree to return any Card issued to you.  anyone to accept or honor a Card associated with this 
        In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement (�Agreement�), the words �you� and �your� refer  any amount due on your Account may be assigned. �Account� means your Kay Jewelers and Kay Jewelers Outlet Account, which  authority to do so. �Card� means any access device or method by which the Account may be accessed, including the Account  1.75% to $499.99  18%  favor. The applicable monthly periodic rate for a balance is  and rounded to the fourth decimal place. DE, NM, TN, VT  None  Greater of 5% of amount past 
                                                                                                           and rounded to the fourth decimal place. exceed $37.00)  period speci?ed by us). The Promotional APR will return to  minimum payment, the required minimum payment for  to us, must be sent to us at Genesis FS Card Services, P.O. Box  you or us, on an individual (non-class, non-representative)  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  SC  average daily balance for prior  more than $
                                                                                                                                                                                                                                             any award in writing and, if requested by you or us, will  right under FAA. The appealing party will pay the appeal costs.  UT  due or $30.00 (but not to  5% of amount of installment (but  this happens. We are not responsible for the refusal of  .00) 
        to any person who signs the Application for this Account or this Agreement, or has requested and is issued a Kay Jewelers and Kay  calculated pursuant to Paragraph 5. more  in AR, DC, IA, MD, NE, NM, NC, and RI. You authorize us  the promotion states that there is no separate promotional 
                                                                           HI, MA, MN, NC  1.5%  18%  21% 
                                                                                                           the applicable Annual Percentage Rate divided by twelve (12),  ID  due or $15.00 (but not to  minimum payment, the required minimum payment for  provide notice to us. in subparagraph A below) will be arbitrated, at the election of  you and us may not be joined or consolidated in arbitration  limited to you and us alone. Furthermore, Claims between  for the purposes of this paragraph. No arbitration award  any award in writing and, if requested by you or us, will  B. Late Payment Fee: If we do not receive your minimum    exceed $37
                                                                                                                                           the promotional balance will be the promotional balance  basis instead of litigated in court. If you are a �Covered  any claims will be ?nal and binding, except for any appeal  regular balance. DC, DE, MA, MS, NE,    None  WA  VA  $39.00 (except 10% of the  30-day period, but not less than  than $7.20 not to exceed $37 If our authorization system is not working, we may  We may, at our discretion, permit you to make a purchase  Account. All Cards we issue remain our property and, if 
        will be governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has apparent  number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are  NE  1.5% for $500.00 and  FL, MT, NJ, TX  $10.00  your Regular APR at the expiration of the promotional period  4485, Beaverton, OR 97076-4485. If these notices are sent to  Account, or corporate af?liates are considered one person 
                                                                                                           6. Minimum Payment: You agree to pay at least the  minimum payment, the required minimum payment for  you or us, on an individual (non-class, non-representative)  will have any preclusive effect as to issues or claims in any  provide a brief statement of the reasons for the award. This agreement to arbitrate shall survive any suspension,  Buyer    Signature exceed $39.00)  anyone to accept or honor a Card associated with this 
        Jewelers Outlet credit card. �We� �us� and �our� refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O.  Greater of 5% of amount past                                                                                                                                                   average daily balance for prior  $2.00, if the balance is less than  in excess of your stated credit limit. If we do so, this will  requested, you agree to return any Card issued to you.  .00) 
        authority to do so. �Card� means any access device or method by which the Account may be accessed, including the Account  18%  to round any calculation used to determine Interest Charges,  6. Minimum Payment: You agree to pay at least the  the promotional balance will be the promotional balance  divided by the number of months in the promotional period,  Borrower� as determined in accordance with the safe harbor  with Claims brought by or against someone other than you,  you and us may not be joined or consolidated in arbitration  provide a brief statement of the reasons for the award. payment by its due date (or within seven (7) days in VA;  NM, PA, VT, WY  5% of amount of installment (but  not be able to authorize a transaction, even if you have 
        1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under  calculated pursuant to Paragraph 5. All other states   2.4992%  29.99% 
                                                                                    more                   and rounded to the fourth decimal place. GA  $25.00  exceed $37.00)  or if we do not receive a required minimum payment within  10. Arbitration for Disputes � No Jury Trials or Class  any other address, it will not satisfy any notice requirement  for the purposes of this paragraph. No arbitration award  right under FAA. The appealing party will pay the appeal costs.   
                                                                           IN, MI, NY, OH, WV  2.0825%  24.99%                                                                                              dispute involving anyone who is not a party to the arbitration.  termination, revocation or closure of the Agreement or your  B. Late Payment Fee: If we do not receive your minimum  WA  VA  5% of amount of installment (but  30-day period, but not less than  $100.00)  Greater of 5% of amount past  $37.00 (except 10% of the   balance for prior  Account. All Cards we issue remain our property and, if 
                                                                                                                                           the promotional balance will be the promotional balance                                                                                                                                           We may, at our discretion, permit you to make a purchase 
        Box 3680, Akron, OH 44309-3680, its subsidiaries and af?liates, and any person to whom this Agreement, your Account, and/or  number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are  including rounding that may cause minor variations in our  �Minimum Payment� shown on your billing statement on or  �Minimum Payment� shown on your billing statement on or  IL, KY, WY  due or $10.00 (but not to  divided by the number of months in the promotional period,  multiplied by a factor based on the applicable Reduced APR,  basis instead of litigated in court. If you are a �Covered  provisions in the Military Lending Act and its implementing  unless otherwise agreed to in writing by all parties. However,  with Claims brought by or against someone other than you,  E. Judgment upon the arbitrator�s award may be entered in   
                                                                                                                                                                                                                                                                       Buyer within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN,  Signature VA  not to exceed $37 suf?cient available credit. We will not be liable to you if  not permanently increase your credit limit. To request the 
                                                                                                                                 Greater of 5% of amount past  60 days of its due date. See Paragraph 3 for details. Unless  Actions: This paragraph describes how all Claims (as de?ned  under this Agreement or any other legal requirement that you  will have any preclusive effect as to issues or claims in any  This agreement to arbitrate shall survive any suspension,    
                                                                                                                                                                                                            This arbitration provision is made pursuant to a transaction  E. Judgment upon the arbitrator�s award may be entered  Account, and any bankruptcy to the extent consistent with  payment by its due date (or within seven (7) days in VA;  UT  not to exceed $39.00) 
        the terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions                                                                                                                                                                                             $2.00, if the balance is less than  due or $30.00 (but not to  average daily .00)  requested, you agree to return any Card issued to you.  in excess of your stated credit limit. If we do so, this will   less than 
        any amount due on your Account may be assigned. �Account� means your Kay Jewelers and Kay Jewelers Outlet Account, which  calculated pursuant to Paragraph 5. 1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under the  All other states   2.4992%  1.75% to $499.99  29.99%  favor. The applicable monthly periodic rate for a balance is  6. Minimum Payment: You agree to pay at least the  before its due date. Your total Minimum Payment is the sum  before its due date. Your total Minimum Payment is the sum  Greater of 5% of amount past  exceed $37.00)  divided by the number of months in the promotional period,  multiplied by a factor based on the applicable Reduced APR,  and rounded up to the nearest $5.00 increment or $30.00,  Borrower� as determined in accordance with the safe harbor  regulations, you are not required to submit to arbitration. applicants, co-applicants, authorized users on a single  unless otherwise agreed to in writing by all parties. However,  any court with jurisdiction. The arbitrator�s decision regarding  We will add any Returned Payment Fee to your Account�s  KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;  5% of amount past due, but not 
                                                                                                                                                                                                            dispute involving anyone who is not a party to the arbitration.  termination, revocation or closure of the Agreement or your  We will add any Returned Payment Fee to your Account�s                     WV   balance for prior  this happens. We are not responsible for the refusal of  names of our related brand jewelers, please call Customer 
                                                                          Federal law provides important protections to members  21%  IL, KY, WY  due or $10.00 (but not to  the promotion states that there is no separate promotional  in subparagraph A below) will be arbitrated, at the election of  provide notice to us. involving interstate commerce and will be governed by the  in any court with jurisdiction. The arbitrator�s decision  applicable bankruptcy law. within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN,    WA  $100.00)  exceed $37 $37.00 (except 10% of the  30-day period, but not We may, at our discretion, permit you to make a purchase   
        will be governed by this Agreement. �Authorized User� means any person you permit to use your Account or who has apparent  terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions incurred by  �Minimum Payment� shown on your billing statement on or  multiplied by a factor based on the applicable Reduced APR,  provisions in the Military Lending Act and its implementing  within ?fteen (15) days in CA, ME, and MA; within twenty-   $39.00 (except 10% of the  to exceed $30.00  not permanently increase your credit limit. To request the 
                                                                           NE       1.5% for $500.00 and   the applicable Annual Percentage Rate divided by twelve (12),  of any minimum payment for your regular balance and for any  ID  due or $15.00 (but not to  whichever is greater. For example, if the promotion has an  Account, or corporate af?liates are considered one person  any claims will be ?nal and binding, except for any appeal   Seller-Creditor 
                                                                                                                  IN              $18.50                                                                                                                                    regular balance.                                                 Service at 1-877-328-8334.
                                                                          of the Armed Forces and their dependents relating to             minimum payment, the required minimum payment for  you or us, on an individual (non-class, non-representative)  A. The term �Claim� means any claim, dispute, or controversy  This arbitration provision is made pursuant to a transaction  Account, and any bankruptcy to the extent consistent with  Buyer regular balance.    Signature average daily $100.00)  anyone to accept or honor a Card associated with this  in excess of your stated credit limit. If we do so, this will   less than 
                                                                                                                                                                                                                                                                                                                           average daily balance for prior  5% of amount past due, but not  $2.00, if the balance is less than .00) 
        authority to do so. �Card� means any access device or method by which the Account may be accessed, including the Account  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  Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.). KS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;  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.  18%                                                                                                                                                                                           5% of amount of installment (but 
                                                                          Federal law provides important protections to members  more  and rounded to the fourth decimal place. before its due date. Your total Minimum Payment is the sum  promotional balance. The minimum payment for your regular  exceed $37.00)  exceed $37.00)  and rounded up to the nearest $5.00 increment or $30.00,  interest rate of 10.99% and the plan is for 24 months, the  regulations, you are not required to submit to arbitration. for the purposes of this paragraph. No arbitration award  right under FAA. The appealing party will pay the appeal costs.  F. If any part of this arbitration provision cannot be enforced,  one (21) days in TX; within thirty (30) days in NC; and                      
                                                                                                                                                                                                            involving interstate commerce and will be governed by the  applicable bankruptcy law. B. Late Payment Fee: If we do not receive your minimum    WV  Account. All Cards we issue remain our property and, if 
                                                                          extensions of consumer credit. In general, the cost of  Lesser of 5% of amount past                                                                                                                                                         VA  WA          30-day period, but not
                                                                                                                                           the promotional balance will be the promotional balance  basis instead of litigated in court. If you are a �Covered  between you and us arising from or relating to your Card,   Seller-Creditor  within ?fteen (15) days in CA, ME, and MA; within twenty-       WA  30-day period, but not less than  to exceed $30.00  5% of amount past due, but not  not permanently increase your credit limit. To request the   
        number. �APR� means Annual Percentage Rate. �Interest� and �Interest Charges� mean the periodic ?nance charges that are  terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions incurred by  You may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have  of any minimum payment for your regular balance and for any  balance will be the greater of 5% of the regular purchase  IN  ME  $18.50   whichever is greater. For example, if the promotion has an  Service at 1-866-875-0891.
                                                                                                                                           required minimum payment is determined as follows: 1/24th        will have any preclusive effect as to issues or claims in any  C. If we or you request arbitration of a Claim, we and you  This agreement to arbitrate shall survive any suspension,  the rest of the arbitration provision will continue to apply.  Buyer within forty (40) days in RI), we will impose a Late Payment 
                                                                          of the Armed Forces and their dependents relating to                                                                                                                                              Buyer         Signature                                   not to exceed $37
                                                                                                                                 Greater of 5% of amount past                                                                                                                                    Signature            WV              $100.00)  requested, you agree to return any Card issued to you. 
                                                                           All other states   2.4992%  29.99%  6. Minimum Payment: You agree to pay at least the  due or $10.00                                                                                                                                                       $2.00, if the balance is less than
                                                                                                                                           divided by the number of months in the promotional period,  Borrower� as determined in accordance with the safe harbor  A. The term �Claim� means any claim, dispute, or controversy  Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.). payment by its due date (or within seven (7) days in VA;  one (21) days in TX; within thirty (30) days in NC; and  We will add any Late Payment Fee to your Account�s regular  $2.00, if the balance is less than  to exceed $30.00  names of our related brand jewelers, please call Customer 
        calculated pursuant to Paragraph 5. anyone else you have authorized to use this Account. You are also responsible for the use of each Card issued on this Account.  State  Maximum Returned  promotional balance. The minimum payment for your regular  interest rate of 10.99% and the plan is for 24 months, the  termination, revocation or closure of the Agreement or your  F. If any part of this arbitration provision cannot be enforced,   balance for prior 
       94188_418593-60004_Genesis-Jared_r5.indd   1                       extensions of consumer credit. In general, the cost of  IL, KY, WY  due or $10.00 (but not to  Lesser of 5% of amount past  between you and us arising from or relating to your Card,  dispute involving anyone who is not a party to the arbitration.  within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN,                     $100.00)  $37.00 (except 10% of the 
                                                                                                           �Minimum Payment� shown on your billing statement on or                                                                                                                                                                    5% of amount past due, but not  We may, at our discretion, permit you to make a purchase  Service at 1-866-875-0891.
                                                                                                                                  Lesser of 10% of outstanding  multiplied by a factor based on the applicable Reduced APR,  provisions in the Military Lending Act and its implementing  the rest of the arbitration provision will continue to apply.  within forty (40) days in RI), we will impose a Late Payment  balance. 7/11/19   2:39 PM
        You may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have  Payment Fee  balance will be the greater of 5% of the regular purchase  ME  required minimum payment is determined as follows: 1/24th 
                                                                                                                  MA             due or $10.00                                                              This arbitration provision is made pursuant to a transaction  C. If we or you request arbitration of a Claim, we and you  Account, and any bankruptcy to the extent consistent with  WV 
                                                                                                                                                                                                                                                                            Chris Klemann, Vice President Financial Services,   Seller-Creditor  average daily in excess of your stated credit limit. If we do so, this will   less than 
        1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under the  State  Maximum Returned  before its due date. Your total Minimum Payment is the sum  exceed $37.00)  balance or $10.00  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;  We will add any Late Payment Fee to your Account�s regular  5% of amount past due, but not  to exceed $30.00 
                                                                           AK, KY, LA, ME, NH,  $37.00                                                                                                                                                                                                   
                                                                          Federal law provides important protections to members                                                                                                                                                                              WV                                        
                                                                                                                                                                                                            involving interstate commerce and will be governed by the  applicable bankruptcy law. Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,      WA  30-day period, but not
                                                                                                                                                                                                                                                                        Seller-Creditor  within ?fteen (15) days in CA, ME, and MA; within twenty-                    balance. to exceed $30.00  not permanently increase your credit limit. To request the 
       418595_Genesis 60006_Kay new_Rev3.indd   1 terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions incurred by 
                                                                           ND, OH, SD, VA, WA,  Payment Fee  of any minimum payment for your regular balance and for any 
                                                                          of the Armed Forces and their dependents relating to  IN  MA  $18.50   Lesser of 10% of outstanding  whichever is greater. For example, if the promotion has an 
                                                                                                                                  $10.00 (except $5.00 if the               A. The term �Claim� means any claim, dispute, or controversy                                    Buyer
                                                                                                                                                                                                            Federal Arbitration Act (�FAA�) (9 U.S.C. �1, et seq.).         Chris Klemann, Vice President Financial Services,   Seller-Creditor  P.O. Box 3680, Akron, OH 44309-3680     Signature   $2.00, if the balance is less than $100.00)  4/24/18   11:51 AM
                                                                                                                                                                                                                                                                                                                                             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.  AK, KY, LA, ME, NH,  $37.00  promotional balance. The minimum payment for your regular  balance or $10.00  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 
                                                                          extensions of consumer credit. In general, the cost of  WI  MO  Lesser of 5% of amount past  minimum payment is $5.00 to  between you and us arising from or relating to your Card,           Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
       418595_Genesis 60006_Kay new_Rev3.indd   1 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.  within forty (40) days in RI), we will impose a Late Payment    5% of amount past due, but not  Service at 1-866-875-0891.
                                                                           ND, OH, SD, VA, WA,                                   $10.00 (except $5.00 if the                                                                                                                  P.O. Box 3680, Akron, OH 44309-3680     WV                                            4/24/18   11:51 AM
                                                                           AL, AR, HI, KS, MN,  $30.00                           due or $10.00  $24.99)                                                                                                                                                     We will add any Late Payment Fee to your Account�s regular  to exceed $30.00 
                                                                           State        Maximum Returned 
                                                                           WI  MT, SC, TN, TX                     MO             minimum payment is $5.00 to                                                                                                                     Chris Klemann, Vice President Financial Services,                    
                                                                                                                                 Lesser of 10% of outstanding  Greater of 5% of amount past                                                                                                                 balance.
                                                                                        Payment Fee 
                                                                           AL, AR, HI, KS, MN,  $30.00            MA             $24.99)                                                                                                                                    Chris Klemann, Vice President Financial Services,   Seller-Creditor  Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                                                                  NE              due or $5.00 (but not to exceed 
                                                                           AK, KY, LA, ME, NH,                                   balance or $10.00 
                                                                           MT, SC, TN, TX    AZ, CO, IL, IN, MI, NV,  $37.00  $25.00                                                                                                                                    Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,  Chris Klemann, Vice President Financial Services,  P.O. Box 3680, Akron, OH 44309-3680 
       418595_Genesis 60006_Kay new_Rev3.indd   1                                                                                Greater of 5% of amount past  $37.00) 
                                                                           ND, OH, SD, VA, WA,  NC, OK, RI, WV                   $10.00 (except $5.00 if the                                                                                                                 Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,  P.O. Box 3680, Akron, OH 44309-3680    4/24/18   11:51 AM
                                                                                                                  NE             due or $5.00 (but not to exceed 
                                                                           WI  AZ, CO, IL, IN, MI, NV,  $25.00    MO             minimum payment is $5.00 to  $10.00 (except $5.00 if the                                                                                           P.O. Box 3680, Akron, OH 44309-3680 
                                                                           CA, MD, MO   $15.00                                   $37.00) 
                                                                           AL, AR, HI, KS, MN,  NC, OK, RI, WV  $30.00  NC       $24.99)  outstanding balance is under 
                                                                           MT, SC, TN, TX    CT, ID, IA, NJ, NY, UT  $20.00      $10.00 (except $5.00 if the  $100.00)                                                                                                           Chris Klemann, Vice President Financial Services, 
                                                                                                                                 Greater of 5% of amount past 
                                                                           CA, MD, MO   $15.00                    NC             outstanding balance is under 
                                                                           FL           Greater of 5% of amount of  NE            The greater of 5% of the unpaid                                                                                                            Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, 
                                                                                                                                 due or $5.00 (but not to exceed 
                                                                           AZ, CO, IL, IN, MI, NV,  CT, ID, IA, NJ, NY, UT  $25.00  $20.00  $100.00)                                                                                                                                P.O. Box 3680, Akron, OH 44309-3680 
                                                                                        payment or $25.00 (max    OK              amount of the installment or 
                                                                                                                                 $37.00) 
                                                                           NC, OK, RI, WV  FL  Greater of 5% of amount of  $37.00)  The greater of 5% of the unpaid  $24.50 (not to exceed $37.00) 
                                                                                                                                 $10.00 (except $5.00 if the 
                                                                           GA           payment or $25.00 (max  Greater of 5% of amount of  OK  RI  amount of the installment or  $12.00 
                                                                           CA, MD, MO   $15.00                    NC             outstanding balance is under 
                                                                                        $37.00)  payment or $30.00 (max          $24.50 (not to exceed $37.00)  5% of amount past due, but not 
                                                                           CT, ID, IA, NJ, NY, UT  $20.00                        $100.00) 
                                                                           GA           Greater of 5% of amount of  $37.00)  RI  SC  $12.00  more than $18.00 and not less 
                                                                           FL  OR       Greater of 5% of amount of  payment or $30.00 (max  $35.00  The greater of 5% of the unpaid 
                                                                                                                                 5% of amount past due, but not  than $7.20  
                                                                           DC, DE, MA, MS, NE,  payment or $25.00 (max  $37.00)  OK  amount of the installment or 
                                                                                        None                      SC             more than $18.00 and not less  Greater of 5% of amount past 
                                                                           OR                                                    $24.50 (not to exceed $37.00) 
                                                                           NM, PA, VT, WY  $37.00)  $35.00        UT             than $7.20   due or $30.00 (but not to 
                                                                           GA           Greater of 5% of amount of  RI           $12.00 
                                                                           DC, DE, MA, MS, NE,  None                             Greater of 5% of amount past  exceed $37.00) 
                                                                                        payment or $30.00 (max 
                                                                           NM, PA, VT, WY                         UT             5% of amount past due, but not  due or $30.00 (but not to  5% of amount of installment (but 
                                                                                        $37.00)                   SC  VA         more than $18.00 and not less  exceed $37.00)  not to exceed $37.00) 
                                                                           OR           $35.00                                   than $7.20  
                                                                                                                                 5% of amount of installment (but  $37.00 (except 10% of the 
                                                                           DC, DE, MA, MS, NE,  None              VA 
                                                                                                                                 Greater of 5% of amount past  not to exceed $37.00)  average daily balance for prior 
                                                                           NM, PA, VT, WY                         UT  WA         due or $30.00 (but not to 
                                                                                                                                 $37.00 (except 10% of the  30-day period, but not less than 
                                                                                                                                 exceed $37.00)  $2.00, if the balance is less than 
                                                                                                                                 average daily balance for prior 
                                                                          Buyer               Signature                           $100.00) 
                                                                                                                  WA             5% of amount of installment (but  30-day period, but not less than 
                                                                                                                  VA 
                                                                                                                                 not to exceed $37.00)  $2.00, if the balance is less than  5% of amount past due, but not 
                                                                                                                  WV 
                                                                          Buyer               Signature                          $37.00 (except 10% of the  $100.00)  to exceed $30.00 
                                                                                                             
                                                                          Seller-Creditor                                        average daily balance for prior  5% of amount past due, but not 
                                                                                                                  WV 
                                                                                                                  WA             30-day period, but not less than  to exceed $30.00 
                                                                                                                                 $2.00, if the balance is less than 
                                                                          Seller-Creditor   
                                                                          Buyer               Signature                          $100.00) 
                                                                                                                                 5% of amount past due, but not 
                                                                               Chris Klemann, Vice President Financial Services,  WV 
                                                                                                                                 to exceed $30.00 
                                                                          Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet,                    
                                                                          Seller-Creditor  P.O. Box 3680, Akron, OH 44309-3680 
                                                                               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 
                                                                              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 
                                                                                                                We apply the  ANNUAL     State  OH, OR, PA, SD, WI  Maximum Late Payment Fee   or less) 
                                                                                                         If you reside in  
                                                                                                         AL     monthly  1.75% to $750.00   PERCENTAGE   21%  AK, AR, CT, HI, LA, MD, MI,  $37.00 (except $29.00 if the  5% of amount past due but not 
                                                                                                         the state of:  
                                                                                                                periodic rate of:   1.5% over $750.00  RATE  18%  MN, MS, NV, NH, NY, ND,  AL  outstanding balance is $249.99  more than $37.00 and not less 
                                                                                                         AR     1.4167%                               or less)  than $18.00 
                                                                                                                         17%             OH, OR, PA, SD, WI 
                                                                                                                1.75% to $750.00   21% 
                                                                                                         CO, GA, IN,                                  5% of amount past due but not  $10.00 (except $5.00 if the 
                                                                                                         AL 
                                                                                                                1.5% over $750.00  18%   AL  AZ, KS 
                                                                                                         MS, OK, TN,  1.75%  21%                      more than $37.00 and not less  minimum payment is $5.00 to 
                                                                                                         TX, VT, WY                                   than $18.00  $25.00) 
                                                                                                         AR     1.4167%  17%             CA, CO, DC, IA 
                                                                                                         DC, MD  2.0%    24%                          $10.00 (except $5.00 if the  $15.00 
                                                                                                         CO, GA, IN,                     AZ, KS  DE, NM, TN, VT  minimum payment is $5.00 to  None 
                                                                                                         MS, OK, TN,  HI, MA, MN, NC  1.75%  1.5%  21%  18%  FL, MT, NJ, TX  $25.00)  $10.00 
                                                                                                         TX, VT, WY 
                                                                                                         MI, NY, OH, WV  2.0825%  24.99%  CA, CO, DC, IA  GA  $15.00  $25.00 
                                                                                                         DC, MD  2.0%    24% 
                                                                                                                1.75% to $499.99         DE, NM, TN, VT  None  Greater of 5% of amount past 
                                                                                                         HI, MA, MN, NC  21% 
                                                                                                         NE     1.5%  1.5% for $500.00 and  18%  FL, MT, NJ, TX  ID  $10.00  due or $15.00 (but not to 
                                                                                                                         18% 
                                                                                                         MI, NY, OH, WV  2.0825%  more  24.99%  GA    $25.00  exceed $37.00) 
                                                                                                         All other states   2.2491%  1.75% to $499.99  26.99%  Greater of 5% of amount past  Greater of 5% of amount past 
                                                                                                                         21% 
                                                                                                         NE     1.5% for $500.00 and     ID  IL, KY, WY  due or $15.00 (but not to  due or $10.00 (but not to 
                                                                                                                         18% 
                                                                                                                more                                  exceed $37.00)  exceed $37.00) 
                                                                                                                                         IN           $18.50  
                                                                                                         All other states   2.2491%  26.99%           Greater of 5% of amount past 
                                                                                                                                         IL, KY, WY   due or $10.00 (but not to  Lesser of 5% of amount past 
                                                                                                                                         ME 
                                                                                                         State     Maximum Returned                   exceed $37.00)  due or $10.00 
                                                                                                                   Payment Fee           IN           $18.50   Lesser of 10% of outstanding 
                                                                                                                                         MA 
                                                                                                         AK, KY, LA, ME, NH,  $37.00                  Lesser of 5% of amount past  balance or $10.00 
                                                                                                                                         ME 
                                                                                                         State  ND, OH, SD, VA, WA,  Maximum Returned  due or $10.00  $10.00 (except $5.00 if the 
                                                                                                         WI        Payment Fee           MO           Lesser of 10% of outstanding  minimum payment is $5.00 to 
                                                                                                                                         MA 
                                                                                                         AK, KY, LA, ME, NH,  AL, AR, HI, KS, MN,  $37.00  $30.00  balance or $10.00  $24.99) 
                                                                                                         ND, OH, SD, VA, WA,  MT, SC, TN, TX          $10.00 (except $5.00 if the  Greater of 5% of amount past 
                                                                                                         WI                              NE           due or $5.00 (but not to exceed 
                                                                                                         AZ, CO, IL, IN, MI, NV,  $25.00  MO          minimum payment is $5.00 to 
                                                                                                         AL, AR, HI, KS, MN,  NC, OK, RI, WV  $30.00  $24.99)  $37.00) 
                                                                                                         MT, SC, TN, TX                               Greater of 5% of amount past  $10.00 (except $5.00 if the 
                                                                                                         CA, MD, MO  $15.00              NE  NC       due or $5.00 (but not to exceed  outstanding balance is under 
                                                                                                         AZ, CO, IL, IN, MI, NV,  $25.00 
                                                                                                         CT, ID, IA, NJ, NY, UT  $20.00               $37.00)  $100.00) 
                                                                                                         NC, OK, RI, WV 
                                                                                                         FL        Greater of 5% of amount of         $10.00 (except $5.00 if the  The greater of 5% of the unpaid 
                                                                                                         CA, MD, MO  $15.00  payment or $25.00 (max  NC  OK  outstanding balance is under  amount of the installment or 
                                                                                                         CT, ID, IA, NJ, NY, UT  $20.00  $37.00)      $100.00)  $24.50 (not to exceed $37.00) 
                                                                                                         FL  GA    Greater of 5% of amount of  Greater of 5% of amount of  RI  The greater of 5% of the unpaid  $12.00 
                                                                                                                   payment or $25.00 (max  payment or $30.00 (max  OK  amount of the installment or  5% of amount past due, but not 
                                                                                                                   $37.00)  $37.00)      SC           $24.50 (not to exceed $37.00)  more than $18.00 and not less 
                                                                                                         GA  OR    Greater of 5% of amount of  $35.00  RI  $12.00  than $7.20  
                                                                                                         DC, DE, MA, MS, NE,  payment or $30.00 (max  None  5% of amount past due, but not  Greater of 5% of amount past 
                                                                                                         NM, PA, VT, WY  $37.00)         SC  UT       more than $18.00 and not less  due or $30.00 (but not to 
                                                                                                         OR        $35.00                             than $7.20   exceed $37.00)                                                         
        15. Change in This Agreement: To the extent permitted  previously selected, you must update your preferences by  (a) Section 10 regarding arbitration shall not apply to you;  SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF  DC, DE, MA, MS, NE,  None    �  We can apply any unpaid amount against your credit  VA  Greater of 5% of amount past  5% of amount of installment (but 
                                                                                                         NM, PA, VT, WY                               not to exceed $37.00)                                                               
                                                                                                                                         UT           due or $30.00 (but not to 
        names of our related brand jewelers, please call Customer  by law, we may change any term of this Agreement,  relating to this Agreement or your Account are governed, to  logging into the Account management website; we cannot  shall be refunded by crediting your Account or by making  (b) any interest or fees in excess of the permitted limit shall  THE THIRD BUSINESS DAY FOLLOWING A PURCHASE  YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL  After we ?nish our investigation, one of two things will  limit.  Rev. 8/19 
                                                                                                                                                      exceed $37.00)  $37.00 (except 10% of the                                           
        Service at 1-877-328-8334. including any Annual Percentage Rate or fee, as well  the extent applicable, by U.S. federal law and the law of the  manage those preferences for you. a direct payment to you; and (c) any other provision of this  be reduced by the amount necessary to satisfy that limit  UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT. INSTALLMENT CREDIT AGREEMENT. happen:
                                                                                                                                       After we ?nish our investigation, one of two things will  5% of amount of installment (but  average daily balance for prior   
                                                                                                                                                                                                                                         Page 2 
        as add and/or subtract terms. We will furnish you notice  state of your billing address when this Account was opened  Agreement that is inconsistent with the Military Lending Act  and any amounts collected in excess of the permitted limit     VA  WA  � If we made a mistake: You will not have to pay the  not to exceed $37.00)  30-day period, but not less than   
        names of our related brand jewelers, please call Customer  15. Change in This Agreement: To the extent permitted  relating to this Agreement or your Account are governed, to  19. Governing Law: This Agreement and your Account and  shall be refunded by crediting your Account or by making  YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL  YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL  After we ?nish our investigation, one of two things will  happen: FACTS  Rev. 8/19 
        of the change to the extent required by law. If permitted  or, for non-U.S. residents, the law of the state where the  shall not apply to you. shall be refunded by crediting your Account or by making a        amount in question or any interest or other fees related  $37.00 (except 10% of the  $2.00, if the balance is less than 
        Service at 1-877-328-8334. by law, we may change any term of this Agreement,  the extent applicable, by U.S. federal law and the law of the  any claim, dispute, or controversy arising from or relating to   
                                                                       a direct payment to you; and (c) any other provision of this  INSTALLMENT CREDIT AGREEMENT. INSTALLMENT CREDIT AGREEMENT. Buyer    Signature happen:   � If we made a mistake: You will not have to pay the  $100.00)     
        by applicable law, any new terms may at our option  Account was opened (without regard to con?icts of laws  direct payment to you; and (c) any other provision of this      to that amount.  average daily balance for prior     Page 2  What we do 
        including any Annual Percentage Rate or fee, as well  state of your billing address when this Account was opened  this Agreement or your Account are governed, to the extent  Agreement that is inconsistent with the Military Lending Act  Notice to Florida Residents: The Annual Percentage Rates         WA  � If we made a mistake: You will not have to pay the  amount in question or any interest or other fees related  30-day period, but not less than  5% of amount past due, but not      
        15. Change in This Agreement: To the extent permitted  be applied to any balance existing on the Account at  principles), unless we receive written notice that you have  Agreement that is inconsistent with the Military Lending Act 
                                       applicable, by U.S. federal law and the law of the state of your                                   WV  �  If we do not believe there was a mistake: You will have 
        as add and/or subtract terms. We will furnish you notice                                                                                                         FACTS 
                                       or, for non-U.S. residents, the law of the state where the  shall not apply to you. shown above are authorized by Chapter 655 of the Florida            amount in question or any interest or other fees related  to that amount.  $2.00, if the balance is less than  to exceed $30.00    To protect your personal information from 
        by law, we may change any term of this Agreement,  the time of change, as well as to any subsequent  moved to another U.S. state pursuant to Paragraph 20. If  shall not apply to you.                        to pay the amount in question, along with applicable   
        of the change to the extent required by law. If permitted  billing address when this Account was opened or, for non- Statutes.   Buyer    Signature $100.00) 
                                       Account was opened (without regard to con?icts of laws                                            �  If we do not believe there was a mistake: You will have                                      What we do 
        including any Annual Percentage Rate or fee, as well  transactions. we receive notice of a change in your billing address, except  Seller-Creditor      to that amount. 
                                                                                                                                           interest and fees. We will send you a statement of the  Why?                                                                unauthorized access and use, we use security 
                                                                       Notice to Florida Residents: The Annual Percentage Rates 
        by applicable law, any new terms may at our option  principles), unless we receive written notice that you have  U.S. residents, the law of the state where the Account was  Notice to Florida Residents: The Annual Percentage Rates  5% of amount past due, but not 
                                                                                                                                           to pay the amount in question, along with applicable                                            
        as add and/or subtract terms. We will furnish you notice  for any Annual Percentage Rate (and corresponding monthly  shown above are authorized by Chapter 655 of the Florida  Notice to Maryland Residents: This Account is governed by          WV  �  If we do not believe there was a mistake: You will have 
                                                                                                                                           amount you owe and the date payment is due. We may  to exceed $30.00                                                        measures that comply with federal law.  These 
        be applied to any balance existing on the Account at  16. Credit Investigation: You authorize us to investigate                                                                                                                                                To protect your personal information from 
                                       moved to another U.S. state pursuant to Paragraph 20. If  opened (without regard to con?icts of laws principles), unless  shown above are authorized by Chapter 655 of the Florida                       interest and fees. We will send you a statement of the   
        of the change to the extent required by law. If permitted  periodic rate) applicable to any outstanding balance, the               to pay the amount in question, along with applicable 
                                                                       Statutes. Subtitle 9, Title 12 of the Maryland Commercial Law Article.       then report you as delinquent if you do not pay the                                                                measures include computer safeguards and secured 
        the time of change, as well as to any subsequent  your credit history by obtaining consumer reports and  we receive notice of a change in your billing address, except  we receive written notice that you have moved to another  Statutes. Seller-Creditor          interest and fees. We will send you a statement of the  amount you owe and the date payment is due. We may  Why?    unauthorized access and use, we use security 
        by applicable law, any new terms may at our option  terms applicable to the state of your new billing address will  Chris Klemann, Vice President Financial Services,      amount we think you owe.      
        transactions. by making direct inquiries of businesses where you  for any Annual Percentage Rate (and corresponding monthly  U.S. state pursuant to Paragraph 20. If we receive notice  Notice to Maryland Residents: This Account is governed by  Notice to Michigan Residents: The seller retains a security 
                                                                                                         Sterling Jewelers Inc., d/b/a Jared The Galleria Of Jewelry, Jared                                                                                            files and buildings. 
                                                                                                                                               amount you owe and the date payment is due. We may  then report you as delinquent if you do not pay the                 measures that comply with federal law.  These 
        be applied to any balance existing on the Account at  apply to all balances on your Account after we receive written  Notice to Maryland Residents: This Account is governed by 
        have accounts and where you work. We may request a  periodic rate) applicable to any outstanding balance, the  of a change in your billing address, except for any Annual  Subtitle 9, Title 12 of the Maryland Commercial Law Article. interest in the subject matter of this Agreement. Jewelry Boutique and Jared Vault, 
        16. Credit Investigation: You authorize us to investigate  notice of your new address. Any Annual Percentage Rate (and  Subtitle 9, Title 12 of the Maryland Commercial Law Article.     If you receive our explanation but still believe your bill is wrong,      then report you as delinquent if you do not pay the  amount we think you owe.    measures include computer safeguards and secured  We collect your personal information, for example, 
        the time of change, as well as to any subsequent  consumer report from consumer reporting agencies  terms applicable to the state of your new billing address will  Percentage Rate (and corresponding monthly periodic rate)  P.O. Box 3680, Akron, OH 44309-3680  
        transactions. your credit history by obtaining consumer reports and  corresponding monthly periodic rate) applicable to a balance  Notice to Michigan Residents: The seller retains a security  Notice to Pennsylvania Residents: This is a Security  Chris Klemann, Vice President Financial Services,      you must write to us within 10 days telling us that you still  amount we think you owe.  What? 
                                                                                                                                       If you receive our explanation but still believe your bill is wrong,                                                            files and buildings.  when you 
        in considering your application for this Account or any  apply to all balances on your Account after we receive written  applicable to any outstanding balance, the terms applicable to  Notice to Michigan Residents: The seller retains  Sterling Jewelers Inc., d/b/a Jared The Galleria Of Jewelry, Jared  refuse to pay. If you do so, we cannot report you as delinquent        
        by making direct inquiries of businesses where you  outstanding prior to noti?cation of a change in billing address  interest in the subject matter of this Agreement. Agreement.                                                                               
        other account you have with us and later in connection                                                Jewelry Boutique and Jared Vault,  If you receive our explanation but still believe your bill is wrong,  you must write to us within 10 days telling us that you still 
        16. Credit Investigation: You authorize us to investigate  notice of your new address. Any Annual Percentage Rate (and  the state of your new billing address will apply to all balances  a security interest in the subject matter of this  without also reporting that you are questioning your bill. We    We collect your personal information, for example, 
        have accounts and where you work. We may request a  will continue to apply to such balance until it is paid off. Your Billing Rights: Keep this Document for Future Use P.O. Box 3680, Akron, OH 44309-3680                                                    �  open an account or give us your contact 
        your credit history by obtaining consumer reports and  with an update, renewal, extension of credit or collection  on your Account after we receive written notice of your new  Notice to Texas Residents: For questions or complaints  you must write to us within 10 days telling us that you still  refuse to pay. If you do so, we cannot report you as delinquent 
                                       corresponding monthly periodic rate) applicable to a balance  Notice to Pennsylvania Residents: This is a Security  Agreement. must tell you the name of anyone to whom we reported you  What?                                  when you 
        consumer report from consumer reporting agencies 
        of the Account or any other account you have with us.  20. Change of Address or Other Contact Information: You  address. Any Annual Percentage Rate (and corresponding  about this contract, contact Genesis FS Card Services  This notice tells you about your rights and our  refuse to pay. If you do so, we cannot report you as delinquent  without also reporting that you are questioning your bill. We    information 
        by making direct inquiries of businesses where you  outstanding prior to noti?cation of a change in billing address  Agreement.                                                                                                                                 
        in considering your application for this Account or any                                                                        as delinquent, and we must let those organizations know 
                                                                       Notice to Pennsylvania Residents: This is a Security 
        have accounts and where you work. We may request a  Upon your request we will disclose whether a consumer  responsibilities under the Fair Credit Billing Act. without also reporting that you are questioning your bill. We  must tell you the name of anyone to whom we reported you 
                                       will continue to apply to such balance until it is paid off. agree to notify us promptly in writing of any changes to your  monthly periodic rate) applicable to a balance outstanding  at 1-877-328-8334. The Of?ce of Consumer Credit  Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use   �  �  open an account or give us your contact  pay your bills or apply for a loan 
        other account you have with us and later in connection                                                                         when the matter has been settled between us.
                                                                       Notice to Texas Residents: For questions or complaints  Agreement.
        consumer report from consumer reporting agencies  report was requested and the name and address of any  billing address, phone number, email address, and other  prior to noti?cation of a change in billing address will continue  Commissioner (OCCC) is a state agency, and it enforces  must tell you the name of anyone to whom we reported you  as delinquent, and we must let those organizations know 
        with an update, renewal, extension of credit or collection  20. Change of Address or Other Contact Information: You  about this contract, contact Genesis FS Card Services  This notice tells you about your rights and our  This notice tells you about your rights and our  What To Do If You Find A Mistake On Your Statement �  information  use your credit or debit card 
                                                                                                                                       If we do not follow all of the rules above, you do not have to  when the matter has been settled between us.
        in considering your application for this Account or any  consumer reporting agency that furnished the report. We  contact information. Until we receive written notice of your  to apply to such balance until it is paid off. certain laws that apply to this contract. If a complaint or  Notice to Texas Residents: For questions or complaints  as delinquent, and we must let those organizations know   
        of the Account or any other account you have with us.  agree to notify us promptly in writing of any changes to your  at 1-877-328-8334. The Of?ce of Consumer Credit  responsibilities under the Fair Credit Billing Act. responsibilities under the Fair Credit Billing Act.
        may report information about your Account to credit  new billing address or email address, if you have elected to  question cannot be resolved by contacting the creditor,  about this contract, contact Genesis FS Card Services  If you think there is an error on your statement, write to us at: pay the ?rst $50.00 of the amount you question even if your    �  pay your bills or apply for a loan 
        other account you have with us and later in connection                                                                         when the matter has been settled between us.                                                                                    We also collect your personal information from 
        Upon your request we will disclose whether a consumer  billing address, phone number, email address, and other  20. Change of Address or Other Contact Information: You  If we do not follow all of the rules above, you do not have to   
                                                                       Commissioner (OCCC) is a state agency, and it enforces 
        with an update, renewal, extension of credit or collection  bureaus. Late payments, missed payments, or other  receive notices electronically, we will continue to send billing  consumers can contact the OCCC to ?le a complaint or ask  at 1-877-328-8334. The Of?ce of Consumer Credit  What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement bill is correct. �  use your credit or debit card 
        report was requested and the name and address of any  contact information. Until we receive written notice of your  agree to notify us promptly in writing of any changes to your    Genesis FS Card Services   If we do not follow all of the rules above, you do not have to  pay the ?rst $50.00 of the amount you question even if your  others, such as credit bureaus, affiliates, or other 
                                                                       certain laws that apply to this contract. If a complaint or 
        of the Account or any other account you have with us.  defaults on your Account may be re?ected on your credit  statements and other notices to the address we have on ?le  a general credit-related question. OCCC address: 2601 N.                                 
                                                                       Commissioner (OCCC) is a state agency, and it enforces 
        consumer reporting agency that furnished the report. We  billing address, phone number, email address, and other  question cannot be resolved by contacting the creditor,  If you think there is an error on your statement, write to us at: If you think there is an error on your statement, write to us at:   P.O. Box 4485   pay the ?rst $50.00 of the amount you question even if your  Your Rights If You Are Dissatis?ed With Your Credit Card  bill is correct. How?  companies. 
                                       new billing address or email address, if you have elected to 
        Upon your request we will disclose whether a consumer  report. If you believe that we have reported inaccurate  for your Account. Subject to Paragraph 19, we deem you to  Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.  certain laws that apply to this contract. If a complaint or    We also collect your personal information from   
        may report information about your Account to credit  receive notices electronically, we will continue to send billing  contact information. Until we receive written notice of your  consumers can contact the OCCC to ?le a complaint or ask    Beaverton, OR 97076-4485 bill is correct. Purchases    
        report was requested and the name and address of any  information to a consumer reporting agency, write to us at  reside at the billing address we have on ?le for the purpose of  Fax: (512) 936-7610. Website: occc.texas.gov. E-mail:  question cannot be resolved by contacting the creditor,      Genesis FS Card Services   Genesis FS Card Services   Your Rights If You Are Dissatis?ed With Your Credit Card  others, such as credit bureaus, affiliates, or other 
        bureaus. Late payments, missed payments, or other  new billing address or email address, if you have elected to                                                                                                                                                Federal law gives you the right to limit only 
                                       statements and other notices to the address we have on ?le  a general credit-related question. OCCC address: 2601 N. 
        Genesis FS Card Services, P.O. Box 4485, Beaverton, OR  applying terms that vary with your state of residence. consumer.complaints@occc.texas.gov.     In your letter, give us the following information:  P.O. Box 4485   P.O. Box 4485   Your Rights If You Are Dissatis?ed With Your Credit Card  If you are dissatis?ed with the goods or services that you  Purchases
        consumer reporting agency that furnished the report. We        consumers can contact the OCCC to ?le a complaint or ask                                         How?                                                                                           companies.   
        defaults on your Account may be re?ected on your credit  for your Account. Subject to Paragraph 19, we deem you to  receive notices electronically, we will continue to send billing  Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.                  
        may report information about your Account to credit  97076-4485 and we will investigate the matter.                            have purchased with your credit card, and you have tried in 
                                                                       NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT  a general credit-related question. OCCC address: 2601 N.        Beaverton, OR 97076-4485 Beaverton, OR 97076-4485 �  Account information: Your name and account number.  Purchases    
                                       21. Assignment: We may sell, transfer, or assign our rights or  statements and other notices to the address we have on ?le  If you are dissatis?ed with the goods or services that you                                          �  sharing for affiliates� everyday business purposes 
        report. If you believe that we have reported inaccurate  reside at the billing address we have on ?le for the purpose of  Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: 
                                                                       Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.    �  Dollar amount: The dollar amount of the suspected error.  good faith to correct the problem with the merchant, you may 
        bureaus. Late payments, missed payments, or other                                                                                                                                                                                                              Federal law gives you the right to limit only 
        information to a consumer reporting agency, write to us at  17. No Waiver by Us: We may, without notice to you,  applying terms that vary with your state of residence. obligations under this Agreement without prior notice to you.  for your Account. Subject to Paragraph 19, we deem you to  consumer.complaints@occc.texas.gov. CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES  In your letter, give us the following information:  In your letter, give us the following information:  If you are dissatis?ed with the goods or services that you  have purchased with your credit card, and you have tried in  Does Jared The    � information about your creditworthiness  CREDIT TERMS AND CONDITIONS  
                                                                       Fax: (512) 936-7610. Website: occc.texas.gov. E-mail:    �  Description of problem: If you think there is an error  have the right not to pay the remaining amount due on the 
        defaults on your Account may be re?ected on your credit                                                                                                                                                           Can you limit 
        Genesis FS Card Services, P.O. Box 4485, Beaverton, OR  delay or refrain from enforcing our rights under this  You may not sell, transfer, or assign your rights or obligations  reside at the billing address we have on ?le for the purpose of  WHICH THE DEBTOR COULD ASSERT AGAINST THE      �  Account information: Your name and account number.  �  Account information: Your name and account number.  have purchased with your credit card, and you have tried in  good faith to correct the problem with the merchant, you may  Reasons we can share your personal information  Galleria Of Jewelry �  affiliates from using your information to market to 
        report. If you believe that we have reported inaccurate  21. Assignment: We may sell, transfer, or assign our rights or  NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT  consumer.complaints@occc.texas.gov. on your bill, describe what you believe is wrong and  purchase.
                                                                                                                                       have the right not to pay the remaining amount due on the                          this sharing?                                �  sharing for affiliates� everyday business purposes 
        97076-4485 and we will investigate the matter. Agreement without losing them (e.g., we may extend the  under this Agreement or your Account. applying terms that vary with your state of residence. SELLER OF GOODS OR SERVICES OBTAINED PURSUANT      �  Dollar amount: The dollar amount of the suspected error.  �  Dollar amount: The dollar amount of the suspected error.  good faith to correct the problem with the merchant, you may  CREDIT DISCLOSURES FOR THE  FOR THE JARED  
        information to a consumer reporting agency, write to us at  obligations under this Agreement without prior notice to you.  CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES  why you believe it is a mistake. share?                                               � information about your creditworthiness  you 
        time to make some payments without extending the time          HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY      �  Description of problem: If you think there is an error  �  Description of problem: If you think there is an error  have the right not to pay the remaining amount due on the  To use this right, all of the following must be true: purchase.   Does Jared The 
        Genesis FS Card Services, P.O. Box 4485, Beaverton, OR  17. No Waiver by Us: We may, without notice to you,  You may not sell, transfer, or assign your rights or obligations  22. Liability for Unauthorized Use: You agree to notify us  21. Assignment: We may sell, transfer, or assign our rights or  NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT  Can you limit 
        to make other payments, accept late or partial payments        WHICH THE DEBTOR COULD ASSERT AGAINST THE                                                        Reasons we can share your personal information  Galleria Of Jewelry                            �  sharing for nonaffiliates to market to you                            THE GALLERIA OF JEWELRY   JARED JEWELRY ACCOUNT
                                                                       HEREUNDER BY THE DEBTOR SHALL NOT EXCEED  You must contact us:                                                                                                                                  �  affiliates from using your information to market to 
                                       promptly if your Card is lost or stolen, or of the unauthorized  obligations under this Agreement without prior notice to you.  CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES  on your bill, describe what you believe is wrong and  on your bill, describe what you believe is wrong and  purchase.   1.  The purchase must have been made in your home state 
        delay or refrain from enforcing our rights under this                                                                          To use this right, all of the following must be true:                              this sharing? 
        97076-4485 and we will investigate the matter. under this Agreement or your Account.                                                                                                                                                                                                                                                  CREDIT DISCLOSURES FOR THE 
        without waiving our right to have future payments made         SELLER OF GOODS OR SERVICES OBTAINED PURSUANT 
                                                                       AMOUNTS PAID BY THE DEBTOR HEREUNDER.    �  Within 60 days after the error appeared on your statement. 
                                                                       WHICH THE DEBTOR COULD ASSERT AGAINST THE  why you believe it is a mistake. why you believe it is a mistake. or within 100 miles of your current mailing address, and  share?                     you 
        Agreement without losing them (e.g., we may extend the  use of your Card, by writing to us at Genesis FS Card Services,  You may not sell, transfer, or assign your rights or obligations  HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY  To use this right, all of the following must be true:   1.  The purchase must have been made in your home state    State laws and individual companies may give you  AND JARED VAULT ACCOUNT
        17. No Waiver by Us: We may, without notice to you,  when they are due, and/or waive any charge or fee without  22. Liability for Unauthorized Use: You agree to notify us    �  At least 3 business days before an automated payment  the purchase price must have been more than $50.00. 
                                                                       SELLER OF GOODS OR SERVICES OBTAINED PURSUANT                                                                                          YES            NO 
        time to make some payments without extending the time  P.O. Box 4480, Beaverton, OR 97076-4480 or by calling us at  under this Agreement or your Account. HEREUNDER BY THE DEBTOR SHALL NOT EXCEED  NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION  You must contact us:  You must contact us:    1.  The purchase must have been made in your home state  or within 100 miles of your current mailing address, and  �  sharing for nonaffiliates to market to you  JARED JEWELRY ACCOUNT
                                                                                                                                                                                                                                                                       additional rights to limit sharing.  
        delay or refrain from enforcing our rights under this  losing our right to impose that charge or fee when it is  promptly if your Card is lost or stolen, or of the unauthorized  is scheduled, if you want to stop payment on the  (Note: Neither of these are necessary if your purchase   
        to make other payments, accept late or partial payments  1-877-328-8334. If you orally give us notice, you agree to  HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY                                                                                               
                                                                       AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ      �  Within 60 days after the error appeared on your statement.  �  Within 60 days after the error appeared on your statement.  or within 100 miles of your current mailing address, and  the purchase price must have been more than $50.00. 
        due under this Agreement).     22. Liability for Unauthorized Use: You agree to notify us  AMOUNTS PAID BY THE DEBTOR HEREUNDER.  amount you think is wrong. was based on an advertisement we mailed to you, or if   
        Agreement without losing them (e.g., we may extend the  use of your Card, by writing to us at Genesis FS Card Services,  HEREUNDER BY THE DEBTOR SHALL NOT EXCEED                                                                                              State laws and individual companies may give you 
        without waiving our right to have future payments made  con?rm in writing. You may be liable for unauthorized use of  IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE      �  At least 3 business days before an automated payment  �  At least 3 business days before an automated payment  the purchase price must have been more than $50.00.  (Note: Neither of these are necessary if your purchase  YES  NO   
        time to make some payments without extending the time  P.O. Box 4480, Beaverton, OR 97076-4480 or by calling us at  promptly if your Card is lost or stolen, or of the unauthorized  we own or operate the company that sold you the goods 
        when they are due, and/or waive any charge or fee without  18. Customer Communications: Except as prohibited by  your Card prior to your noti?cation of us. You will not be liable  NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION  AMOUNTS PAID BY THE DEBTOR HEREUNDER.  You must notify us of any potential errors in writing. You 
                                                                       ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS  is scheduled, if you want to stop payment on the  is scheduled, if you want to stop payment on the  (Note: Neither of these are necessary if your purchase  was based on an advertisement we mailed to you, or if  additional rights to limit sharing.    
        to make other payments, accept late or partial payments  1-877-328-8334. If you orally give us notice, you agree to  use of your Card, by writing to us at Genesis FS Card Services,  or services.)   YES            NO          Definitions                    
        losing our right to impose that charge or fee when it is  law, you agree that your calls with us may be monitored  for unauthorized use that occurs after you notify us of the  AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ  may call us, but if you do we are not required to investigate  amount you think is wrong. amount you think is wrong. was based on an advertisement we mailed to you, or if  we own or operate the company that sold you the goods     
        without waiving our right to have future payments made  con?rm in writing. You may be liable for unauthorized use of  P.O. Box 4480, Beaverton, OR 97076-4480 or by calling us at  CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY THE  NOTICE TO THE BUYER: 1. DO NOT SIGN THE APPLICATION    2.  You must have used your credit card for the purchase.           
        due under this Agreement). and/or recorded and that we (and our successors and  loss, theft, or unauthorized use and, in any case, your liability  IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE                              
                                                                                                       any potential errors and you may have to pay the amount in 
                                                                       TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT                    we own or operate the company that sold you the goods  or services.)
                                       1-877-328-8334. If you orally give us notice, you agree to  AND/OR THIS CREDIT AGREEMENT BEFORE YOU READ  You must notify us of any potential errors in writing. You  You must notify us of any potential errors in writing. You  Purchases made with cash advances from an ATM or with  For joint marketing with other financial      Companies related by common ownership or control.  
        when they are due, and/or waive any charge or fee without  your Card prior to your noti?cation of us. You will not be liable 
        assigns, or anyone acting on our behalf) may contact  will not exceed $50.00. ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS  question.   2.  You must have used your credit card for the purchase.  or services.) YES  NO      Definitions 
        losing our right to impose that charge or fee when it is  18. Customer Communications: You agree that your  for unauthorized use that occurs after you notify us of the  con?rm in writing. You may be liable for unauthorized use of  WITHOUT INCURRING ANY ADDITIONAL CHARGE. 4. KEEP  IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE  may call us, but if you do we are not required to investigate  may call us, but if you do we are not required to investigate  a check that accesses your credit card account do not  We don�t share. 
                                                                                                                                                                          companies                           NO                                                       They can be financial and nonfinancial companies. 
        you from time to time regarding your Account (including        CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY THE                  2.  You must have used your credit card for the purchase.  Purchases made with cash advances from an ATM or with                   
        due under this Agreement). calls with us may be monitored and/or recorded and that  loss, theft, or unauthorized use and, in any case, your liability  23. Authorized Users: You may request additional Cards on  your Card prior to your noti?cation of us. You will not be liable  THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5.  ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS  any potential errors and you may have to pay the amount in  any potential errors and you may have to pay the amount in  What Will Happen After We Receive Your Letter qualify.  
        for collections purposes) and may suppress caller              TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT                     a check that accesses your credit card account do not                                                                        Companies related by common ownership or control.  
        we (or anyone acting on our behalf) may contact you  will not exceed $50.00. your Account, and you may permit an Authorized User to have  for unauthorized use that occurs after you notify us of the  YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM  CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY THE  Purchases made with cash advances from an ATM or with 
                                                                                                       question.                                                        For joint marketing with other financial 
                                                                                                       question.                         3. You must not yet have fully paid for the purchase. For our affiliates� everyday business purposes �                        �  Jared The Galleria Of Jewelry does not share 
        18. Customer Communications: You agree that your  identi?cation.  You further agree that all of our contacts  WITHOUT INCURRING ANY ADDITIONAL CHARGE. 4. KEEP  When we receive your letter, we must do two things:  qualify.                                  They can be financial and nonfinancial companies. 
        from time to time regarding your Account (including for  access to a Card. However, if you do, you are responsible for  loss, theft, or unauthorized use and, in any case, your liability  THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR  a check that accesses your credit card account do not 
                                                                       TOTAL BALANCE OUTSTANDING UNDER THIS AGREEMENT                                                   companies                             NO         We don�t share. 
                                                                                                                                                                                                                         We don�t share.                                 with our affiliates. 
        calls with us may be monitored and/or recorded and that  with you (or the contacts by our agents, successors and                                                                                      NO 
                                       23. Authorized Users: You may request additional Cards on  THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5.  What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter   1.  Within 30 days of receiving your letter, we must tell  If all of the criteria above are met and you are still dissatis?ed   
                                                                                                                                         3. You must not yet have fully paid for the purchase.                                                                          
                                                                                                                                         qualify.                                                                                                                       
                                                                                                                                                                                                                                                                             
        collections purposes). You further agree that all of our  all charges made by the Authorized User, including charges  will not exceed $50.00. DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS,  WITHOUT INCURRING ANY ADDITIONAL CHARGE. 4. KEEP                 
        we (or anyone acting on our behalf) may contact you  assigns with you) may be made via email, text messages  your Account, and you may permit an Authorized User to have  YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM  you that we received your letter. We will also tell you if  with the purchase, contact us in writing at the address listed  �  Jared The Galleria Of Jewelry does not share 
        contacts with you may be made via email, text messages  for which you may not have intended to be responsible. You  REQUIRE A RESALE OF THE PROPERTY REPOSSESSED.  When we receive your letter, we must do two things:    3. You must not yet have fully paid for the purchase.
                                                                       THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. 5.                                                  For our affiliates� everyday business purposes � 
                                                                                                                                       If all of the criteria above are met and you are still dissatis?ed                                                              Companies not related by common ownership or 
        from time to time regarding your Account (including for  or with an automated dialing and announcing or similar  access to a Card. However, if you do, you are responsible for  23. Authorized Users: You may request additional Cards on  When we receive your letter, we must do two things:  For our affiliates� everyday business purposes � 
                                                                       THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR  we have already corrected the error.  above.
        or with an automated dialing and announcing or similar  must notify us to revoke an Authorized User�s permission to                                                                                              We don�t share.                                 with our affiliates. 
                                                                       6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER 
                                       your Account, and you may permit an Authorized User to have  YOU MAY UNDER CERTAIN CIRCUMSTANCES REDEEM      1.  Within 30 days of receiving your letter, we must tell  NO 
                                                                                                        1.  Within 30 days of receiving your letter, we must tell  If all of the criteria above are met and you are still dissatis?ed  with the purchase, contact us in writing at the address listed    We don�t share. 
        collections purposes). You further agree that all of our  device and/or an arti?cial voice or prerecorded message.  all charges made by the Authorized User, including charges  DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS,    2.  Within 90 days of receiving your letter, we must either      NO  control.  They can be financial and nonfinancial   
                                                                                                                                                                                                                                                                        
        device and/or an arti?cial voice or prerecorded message.  use your Account. If you do so, we may close the Account and  YOUR PREMISES OR COMMIT ANY BREACH OF THE  THE PROPERTY, IF REPOSSESSED BECAUSE OF YOUR  you that we received your letter. We will also tell you if  you that we received your letter. We will also tell you if  While we investigate, the same rules apply to the disputed     
        You agree that you will not provide telephone number(s)  access to a Card. However, if you do, you are responsible for         with the purchase, contact us in writing at the address listed  above.  
        contacts with you may be made via email, text messages  for which you may not have intended to be responsible. You  REQUIRE A RESALE OF THE PROPERTY REPOSSESSED.  correct the error or explain to you why we believe the bill                                 companies. 
        You also agree that we may contact you at any telephone  issue a new Card or Cards with a different Account number. PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS  For our affiliates� everyday business purposes �                                            Companies not related by common ownership or 
        for which you are not the subscriber.  You also agree that  all charges made by the Authorized User, including charges  DEFAULT, AND YOU MAY, UNDER CERTAIN CONDITIONS,  we have already corrected the error.  we have already corrected the error.  above. amount as discussed above. After we ?nish our investigation,  For our nonaffiliates to market to you   
        or with an automated dialing and announcing or similar  must notify us to revoke an Authorized User�s permission to  is correct. While we investigate, the same rules apply to the disputed 
        number you provide to us, even if you are charged by           6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER                                                                                                    We don�t share.  We don�t share.              control.  They can be financial and nonfinancial 
                                       24. Military Lending Act Compliance: This Agreement  for which you may not have intended to be responsible. You  AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS    2.  Within 90 days of receiving your letter, we must either  NO  NO 
        we (or our agents, successors or assigns) may contact          REQUIRE A RESALE OF THE PROPERTY REPOSSESSED.    2.  Within 90 days of receiving your letter, we must either  we will tell you of our decision. At that point, if we think you                  �  Jared The Galleria Of Jewelry does not share 
        device and/or an arti?cial voice or prerecorded message.  use your Account. If you do so, we may close the Account and         amount as discussed above. After we ?nish our investigation,   
        your service provider, whether a residential or business       YOUR PREMISES OR COMMIT ANY BREACH OF THE                       While we investigate, the same rules apply to the disputed   
        you at any telephone number you provide to us, even  shall be interpreted to comply with the Military Lending  must notify us to revoke an Authorized User�s permission to  AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A  6. THE SELLER HAS NO RIGHT TO UNLAWFULLY ENTER  While we investigate whether or not there has been an  correct the error or explain to you why we believe the bill  correct the error or explain to you why we believe the bill  owe an amount and you do not pay, we may report you as    companies. 
        You also agree that we may contact you at any telephone  issue a new Card or Cards with a different Account number.            we will tell you of our decision. At that point, if we think you                                                                  with nonaffiliates so they can market to you.
        number, even if that number is on a Do Not Call list, is       PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS                                                                                                                                                    
                                                                                                       error:                          amount as discussed above. After we ?nish our investigation,  For our nonaffiliates to market to you 
        if you are charged by your service provider, whether a  Act, including its restrictions on permissible loan terms and  use your Account. If you do so, we may close the Account and  PURCHASE UNDER THIS AGREEMENT IF IT HAS BEEN  YOUR PREMISES OR COMMIT ANY BREACH OF THE  is correct. is correct. delinquent.
        number you provide to us, even if you are charged by                                                                                                                                                             We don�t share. 
        a wireless, cellular or mobile number; is converted to  24. Military Lending Act Compliance: This Agreement  AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS    �  We cannot try to collect the amount in question, or  we will tell you of our decision. At that point, if we think you  owe an amount and you do not pay, we may report you as  NO 
                                                                                                                                                                        Questions?                                                                                     �  Jared The Galleria Of Jewelry does not share   
        your service provider, whether a residential or business  residential or business number, even if that number is on  limitations on interest and fees. For Accounts opened on  issue a new Card or Cards with a different Account number. SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN  PEACE TO REPOSSESS GOODS PURCHASED UNDER THIS     
        a mobile/wireless number; or connects to any type of  shall be interpreted to comply with the Military Lending  AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A  While we investigate whether or not there has been an  While we investigate whether or not there has been an  owe an amount and you do not pay, we may report you as  delinquent.  
        a Do Not Call list, is a wireless, cellular or mobile number;  or after October 3, 2017, if you are a Covered Borrower as  THE ADDRESS OF THE SELLER, WHICH MAY BE HIS  report you as delinquent on that amount.                                                 with nonaffiliates so they can market to you.
        number, even if that number is on a Do Not Call list, is       AGREEMENT. ADDITIONAL NOTICE FOR MASSACHUSETTS                                                                                                                                                  A formal agreement between nonaffiliated financial 
        mobile/wireless device. You agree that any consent you  Act, including its restrictions on permissible loan terms and  24. Military Lending Act Compliance: This Agreement  PURCHASE UNDER THIS AGREEMENT IF IT HAS BEEN  error: error:
                                                                                                         �  The charge in question may remain on your statement,  delinquent.
        a wireless, cellular or mobile number; is converted to  is converted to a mobile/wireless number; or connects  determined in accordance with the safe harbor provisions in  MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU  AND WASHINGTON RESIDENTS: 7. YOU MAY CANCEL A    �  We cannot try to collect the amount in question, or  companies that together market financial products or 
        provide will survive termination of your Account. To opt  shall be interpreted to comply with the Military Lending  SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN    �  We cannot try to collect the amount in question, or  Questions?                         
                                       limitations on interest and fees. For Accounts opened on  NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR  PURCHASE UNDER THIS AGREEMENT IF IT HAS BEEN  and we may continue to charge you interest on that                   
        a mobile/wireless number; or connects to any type of  to any type of mobile/wireless device.  You agree that  the Military Lending Act and its implementing regulations: 
        out of these contacts, you may call Customer Service at  or after October 3, 2017, if you are a Covered Borrower as  Act, including its restrictions on permissible loan terms and  THE ADDRESS OF THE SELLER, WHICH MAY BE HIS  report you as delinquent on that amount.  report you as delinquent on that amount.  services to you. 
        mobile/wireless device. You agree that any consent you  any consent you provide will survive termination of  (a) Section 10 regarding arbitration shall not apply to you;  BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM                                        A formal agreement between nonaffiliated financial 
                                                                       SIGNED BY A PARTY THERETO AT A PLACE OTHER THAN  amount.                                                                                                                     
                                                                                                                                                                                                                                                                        
        1-877-328-8334.                determined in accordance with the safe harbor provisions in  limitations on interest and fees. For Accounts opened on  MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU      �  The charge in question may remain on your statement,  �  The charge in question may remain on your statement, 
        your Account, and shall inure to the bene?t of any of  (b) any interest or fees in excess of the permitted limit shall  SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF  THE ADDRESS OF THE SELLER, WHICH MAY BE HIS    �  While you do not have to pay the amount in question,  companies that together market financial products or 
        provide will survive termination of your Account. To opt                                          and we may continue to charge you interest on that                                                                                                           �  Jared The Galleria Of Jewelry does not joint 
                                       the Military Lending Act and its implementing regulations:  or after October 3, 2017, if you are a Covered Borrower as  NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR  and we may continue to charge you interest on that 
        out of these contacts, you may call Customer Service at  19. Governing Law: This Agreement and your Account  our agents, successors or assigns.  To opt out of these  be reduced by the amount necessary to satisfy that limit  THE THIRD BUSINESS DAY FOLLOWING A PURCHASE  MAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU  you are responsible for the remainder of your balance.  services to you. 
                                       (a) Section 10 regarding arbitration shall not apply to you;  determined in accordance with the safe harbor provisions in  BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM  amount.  amount.                                         market.
        and any claim, dispute, or controversy arising from or  contacts, you may call Customer Service at 1-877-328- and any amounts collected in excess of the permitted limit  UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT.   �  We can apply any unpaid amount against your credit   
        1-877-328-8334.                                                NOTIFY THE SELLER IN WRITING AT HIS MAIN OFFICE OR                                                                                                                                                 
                                       the Military Lending Act and its implementing regulations:  SENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF      �  While you do not have to pay the amount in question, 
                                       (b) any interest or fees in excess of the permitted limit shall  �  While you do not have to pay the amount in question,                                                                                                                                          0300-30J-5678 0300-30J-5678 60004 60004
        8334.  To stop receiving online communications that you                                           limit. 
                                                                       BRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM                                                                                                                                                    �  Jared The Galleria Of Jewelry does not joint 
        19. Governing Law: This Agreement and your Account  be reduced by the amount necessary to satisfy that limit  THE THIRD BUSINESS DAY FOLLOWING A PURCHASE  you are responsible for the remainder of your balance.  you are responsible for the remainder of your balance.  R: 8/19
                                                                                                                                                                                                                                                                         market.
        and any claim, dispute, or controversy arising from or  and any amounts collected in excess of the permitted limit  UNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT.   �  We can apply any unpaid amount against your credit                                       
                                                                                                                                                                                                                                                                                                         0300-30J-5678               60004
                                                                                                          limit.                                                                                                                          
       418593-60004_Genesis-Jared New Rev3.indd   2                                                                                                                                                                                                                                                                                                                 4/24/18   1:42 PM
       94188_418593-60004_Genesis-Jared_r5.indd   2                                                                                                                                                                                                                                                                                                                  7/11/19   2:39 PM
                                                                                                                                                                                                                                          
       418593-60004_Genesis-Jared New Rev3.indd   2                                                                                                                                                                                                                                                                                                                 4/24/18   1:42 PM