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Summary of account activity Payment information

Account no. ****-****-****-1245 New balance $1,667.71
Minimum payment due $240.00
Previous balance $1,850.40 Payment due date 08/05/2021
Payments -235.00
Other credits 0.00 Late payment warning:
Purchases 0.00 If we do not receive your minimum payment by 08/05/2021 you may
Other debits 0.00 have to pay up to a $40.00 late fee.
Fees charged 29.00 Minimum payment warning: If you make only the minimum
Interest charged 23.31 payment for each period, you will pay more in interest and it will take
New balance $1,667.71 you longer to pay off your balances. For example:
Past due amount 0.00 If you make no additional You will pay off And you will
Credit limit $12,000.00 charges using this card the balance shown end up paying an
Available credit $0.00 and each month you pay: on the statement estimated total
Statement closing date 07/10/2021 in about: of:
Days in billing cycle 31 Only the minimum payment 9 months $1771
For information regarding credit counseling services,
call 1-800-284-1706.

If you do not pay your Plan 736-00001 balance of $1,638.71 by May 07, 2022 any remaining balance will be assessed
interest at the standard purchase APR.

Account Questions? Need to make a payment? Want to know how to go paperless?

Visit comenity.net/kay or call 1-855-506-2499 (TDD/TTY 1-800-695-1788).
If you returned an item that was on a promotional plan and have questions with how the return was applied to your
account, please call us.
Skip signing in to pay and use Comenity2s EasyPay. It2s safe and convenient. Use your smartphone camera or code
reader to scan the QR code printed on your payment stub below to get started.

Kay Jewelers Credit Card

Enroll in paperless statements Explore Your Options] Shop with your Kay Jewelers
today] Visit comenity.net/kay Credit Card in-store or online
Special financing offers make at kay.com
it easy to buy the jewelry you
want. See a Jewelry
Consultant or visit us online
for financing options and start
shopping today]*
Details of your transactions
TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT

07/07/2021 PAYMENT - THANK YOU -235.00

Fees
07/05/2021 LATE FEE 29.00
Total fees charged for this period $29.00

NOTICE: See reverse side for important information.

Please tear at perforation above
Account
number ****-****-****-1245
New balance Minimum payment
$1,667.71 $240.00
99 3 CIT
Mailed payments must reach us by 6pm ET
Yes, I have moved or updated my Amount on 08/05/2021.
e-mail address - see reverse. enclosed:

$ Please make check payable to:

COMENITY - KAY JEWELERS

JOHNNY FELICIANO
Please return this portion along with your payment to:
63 COURTLAND ST PO BOX 650972
STATEN ISLAND NY 10302 DALLAS TX 75265-0972

36601007 00019924 7788504011381245 000024000 000166771

Keep this portion for your records. (MG) We figure the interest charge on this balance by applying the periodic
rate to the 3average daily balance4 for the billing period. To get the
What To Do If You Think You Find A Mistake On Your Statement 3average daily balance4 we take the beginning balance each day, add any
If you think there is an error on your statement, write to us at: Comenity new transactions and subtract any unpaid interest charges and any
Bank PO Box 182782, Columbus, Ohio 43218-2782. payments or credits (treating any net credit balance as a zero balance). This
In your letter, give us the following information: gives us the daily balance. Then, we add up all the daily balances for the
³ Account information: Your name and account number. billing period and divide the total by the number of days in the billing
period. This gives us the 3average daily balance.4
³ Dollar amount: The dollar amount of the suspected error.
³ Description of Problem: If you think there is an error on your bill, CREDIT REPORTING. We may report information about your account to
describe what you believe is wrong and why you believe it is a mistake. credit bureaus. Late payments, missed payments, or other defaults on your
account may be reflected in your credit report.
You must contact us within 60 days after the error appeared on your
statement. You must notify us of any potential errors in writing. You may NOTICE OF CREDIT REPORT DISPUTES
call us, but if you do we are not required to investigate any potential errors If you believe the account information we reported to a consumer reporting
and you may have to pay the amount in question. While we investigate agency is inaccurate, you may submit a direct dispute to Comenity Bank PO
whether or not there has been an error, the following are true: Box 182789, Columbus, Ohio 43218-2789. Your written dispute must
³ We cannot try to collect the amount in question, or report you as provide sufficient information to identify the account and specify why the
delinquent on that amount. information is inaccurate:
³ The charge in question may remain on your statement, and we may ³ Account Information: Your name and account number
continue to charge you interest on that amount. But, if we determine that ³ Contact Information: Your address and telephone number
we made a mistake, you will not have to pay the amount in question or ³ Disputed Information: Identify the account information disputed and
any interest or other fees related to that amount. explain why you believe it is inaccurate
³ While you do not have to pay the amount in question, you are responsible ³ Supporting Documentation: If available, provide a copy of the section of
for the remainder of your balance. the credit report showing the account information you are disputing
³ We can apply any unpaid amount against your credit limit. We will investigate the disputed information and report the results to you
Your Rights If You Are Dissatisfied With Your Credit Card Purchases within 30 days of receipt of the information needed for our investigation. If
we find that the account information we reported is inaccurate, we will
If you are dissatisfied with the goods or services that you have purchased promptly provide the necessary correction to each consumer reporting
with your credit card, and you have tried in good faith to correct the agency to which we reported the information.
problem with the merchant, you may have the right not to pay the remaining
amount due on the purchase. PAYMENTS MARKED 3PAID IN FULL4. All written communications
To use this right, all of the following must be true: regarding disputed amounts that include any check or other payment
instrument marked with 3payment in full4 or similar language, must be sent
1. The purchase must have been made in your home state or within 100 to: 1010 W. Mockingbird Lane, Suite 100, Dallas, TX 75247.
miles of your current mailing address, and the purchase price must have DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE.
been more than $50. (Note: Neither of these is necessary if your purchase - We may accept payment sent to any other address without losing any of
was based on an advertisement we mailed to you, or if we own the company our rights.
that sold you the goods or services.) - No payment shall operate as an accord and satisfaction without prior
2. You must have used your credit card for the purchase. Purchases made written approval.
with cash advances from an ATM or with a check that accesses your credit CUSTOMER SERVICE. Visit comenity.net/kay or call 1-855-506-2499
card account do not qualify. (TDD/TTY 1-800-695-1788).
3. You must not yet have fully paid for the purchase. TELEPHONE MONITORING. To provide you with high-quality service, phone
If all of the criteria above are met and you are still dissatisfied with the communication with us is monitored and/or recorded.
purchase, contact us in writing at: Comenity Bank PO Box 182782, ADDITIONAL INFORMATION. The following designations, when appearing
Columbus, Ohio 43218-2782. on the front of your statement, mean the following: V means variable rate
While we investigate, the same rules apply to the disputed amount as (this rate may vary); WV INT PAY RQ means WAIVE INTEREST, PAYMENT
discussed above. After we finish our investigation, we will tell you our REQUIRED; WV INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV
decision. At that point, if we think you owe an amount and you do not pay INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; WV LW APR EQ PY
we may report you as delinquent. means WAIVE INTEREST-LOW APR, EQUAL PAYMENT; DF INT PY RQ
means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means
HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER
the close of each billing cycle. We will not charge you interest on purchases INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL
if you pay your entire balance by the due date each month. We will begin to PAYMENT. If you have a variable rate account, your periodic rates may vary.
charge interest on new purchases made under a Low APR, Equal Payment You may pay all of your Account balance at any time without penalty.
or Budget Payment Credit Plan from the date of purchase.
Send all inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus,
BALANCE COMPUTATION METHOD. We calculate interest separately for Ohio 43218-2273.
each balance using the method(s) described below. The two letters in
parentheses next to the Balance Subject to Interest Rate column in the Send all bankruptcy notices and related correspondence to Comenity Bank,
Interest Charge Calculation section on this statement corresponds to the Bankruptcy Department, PO Box 182125, Columbus, Ohio 43218-2125.
following: NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a
(DA) We figure the interest charge on this balance by applying the periodic check as payment, you authorize us either to use information from your
rate to the "Daily Balance" for each day in the billing period. To get the check to make a one-time electronic fund transfer from your account or to
"Daily Balance" we take the beginning balance each day, add any new process the payment as a check transaction. When we use information from
transactions and fees and subtract any payments or credits (treating any your check to make an electronic fund transfer, funds may be withdrawn
netcredit balance as a zero balance). This gives us the daily balance. from your account as soon as the same day we receive your payment, and
you will not receive your check back from your financial institution.
(MD) We figure the interest charge on this balance by applying the periodic
rate to the 3average daily balance4 for the billing period. To get the
3average daily balance4 we take the beginning balance each day and
subtract any unpaid interest charges and any payments or credits (treating
any net credit balance as a zero balance). We do not add in any new
transactions, late payment fees or return payment fees. This gives us the
daily balance. Then, we add all the daily balances for the billing period
together and divide the total by the number of days in the billing period.
This gives us the 3average daily balance.4

PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do not receive your payment in a correct format (outlined below) it
may not be credited to your Account for up to five days, or may be rejected. Also, your payment must reach us by the payment cutoff time that applies to
the payment method you select.
Correct Format. Correct format for different payment methods include:
Mailing or Overnight: Send a personal check, money order, traveler2s check or cashier2s check payable in U.S. dollars, to the name and address shown on
this Statement in the payment stub area containing your balance and minimum payment amount. Be sure to include your payment stub, do not staple or
clip your payment to the stub, include your account number on your check, use the envelope provided with your Statement, send one payment with one
payment stub and do not send any correspondence with your payment. You should overnight a payment to 1010 W. Mockingbird Lane, Suite 100, Dallas,
TX 75247 and the additional format requirements are the same as other mailed payments unless there is a dispute, in which case you follow the Payments
Marked 3Paid In Full4 section above. Do not send cash or gift certificates. Pay By Phone: You can call us toll free at 1-855-506-2499 (TDD/TTY
1-800-695-1788) to make a payment by telephone, which may include a fee. Online: You can make a payment online at comenity.net/kay. In-store: You
can make payments in-store.
Payment Cutoff Times. Payment cutoff times/deadlines for us to receive payments are by the due date on this Statement in the payment stub area at the
following times: Mailing and Overnight: By 6:00 pm Eastern Time (ET); Pay By Phone: By 6:00 pm (ET); Online: By 6:00 pm (ET); and In-store: By the time
the store closes at the location you make your payment.
 PAGE 3 OF 6

Interest charged
Interest charge on purchases $23.31
Total interest for this period $23.31

2021 totals year to date

Total fees charged in 2021 $29.00
Total interest charged in 2021 $210.95

Interest charge calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD
on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement.
TYPE OF BALANCE SUBJECT INTEREST
BALANCE APR TO INTEREST RATE CHARGE

Purchases 25.9900% (v) 0.00 (DA) 0.00

Plan 736-00001 LOW APR EQ PAY 14.9900% 1,831.50 (DA) 23.31

3
Details of your plans
001-00001 Purchases
ORIGINAL ORIGINAL PREVIOUS TOTAL
PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEW PLAN PLAN ACCRUED
AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE MINIMUM INTEREST

N/A N/A NONE 0.00 29.00 0.00 29.00 5.00 0.00

736-00001 You must pay your plan balance of $1,638.71 in full by 05/07/2022 to avoid paying interest charges at the
higher purchase APR noted above.
ORIGINAL ORIGINAL PREVIOUS TOTAL
PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEW PLAN PLAN ACCRUED
AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE MINIMUM INTEREST

$6,606.96 04/05/2019 05/07/2022 1,850.40 23.31 235.00 1,638.71 235.00 0.00

Additional important messages

Important Reminder: If you make a purchase with this credit card using a promotional plan, the
promotional plan expiration date and payment due date may be different. This means that if you have any
remaining promotional plan balance after the promotional plan expiration date, the balance and any
accrued interest (if applicable), will move to your regular revolving plan on the next billing statement.
How to avoid or minimize interest charges: Be sure to pay any promotional plan balance in full on
or before the plan expiration date shown in the 3Details of your plans4 section of your statement. Please
also keep an eye out for notifications of when your promotional plan(s) are nearing their expiration
date7you2ll see them in the red box on page 1 of your statement. If you have questions, please call us
toll-free at 1-855-506-2499 (TDD/TTY:1-800-695-1788). To learn more about how promotional plans work,
visit comenity.com/financial-education. We2re always happy to help.
As you requested, we have closed your credit card account. A monthly billing statement will be sent until
the balance is paid in full. You do not have any available credit due to your account being closed.
Affected by COVID-19? Comenity Bank Offers Support
As the bank that manages your credit card, our hearts go out to those affected by the coronavirus
(COVID-19) pandemic.
The support we2re extending to you. If you2re experiencing financial hardship because of COVID-19,
please call 1-855-506-2499 (TDD/TTY: 1-800-695-1788) to discuss how we may be able to help.
(CONTINUED)

36601007 00019925 7788504011381245 000024000 000166771

 PAGE 4 OF 6

Additional important messages - continued

Account Center is available 24/7 for you to manage your KAY JEWELERS account online. You
can make payments and view your balance, transactions and statements online. Not yet registered? Visit
comenity.net/kay, enter your KAY JEWELERS credit card account number and ZIP code, then verify your
identity.
We2re looking out for you. We remain focused on the health and well-being of our customers and
associates, and we2ll continue to stay on top of what2s happening during the pandemic so we can best
support you.
IMPORTANT INFORMATION ABOUT LATE FEE CREDITS
We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. If
we do, we will charge a fee of up to $40.00 for any subsequent late payment. In addition, we may reverse
the credit and repost the charge to your account if you fail to make the minimum payment due on or
before the due date in the next billing period.
*Promotional financing available with Kay Jewelers Credit Card Accounts. Minimum purchase and
minimum monthly payments are required. Subject to credit approval. Down payment may be required,
and if required cannot be made with your Kay Jewelers Credit Card. See store for details.
Find out how to shop safely online at onguardonline.gov
GO PAPERLESS and manage your account online] With paperless billing, you receive an email
reminder prior to your payment due date. Get started today by visiting comenity.net/kay
STEP 1: Sign in or register your account. STEP 2: Select Go Paperless and sign up.
 PAGE 5 OF 6

36601007 00019926 0000000000001245 000024000 000166771