In this kay Jewelers Retail Instalment Credit Agreement (“Agreement”), the words “you” and “your” refer to any person who has signed the application for such account or agreement or who has applied for and received a Kay Jewelers credit card. “We”, “us” and “our” refer to Sterling Jewelers Inc., d/b/a Kay Jewelers, P.-O. Box 3680, Akron, OH 44309-3680, its subsidiaries and affiliates, as well as to any person to whom this agreement, your account and/or an amount due to your account. “Account” means your Kay Jewelers account subject to this Agreement. “Authorized User” means any person who authorizes you to use your account or who is clearly authorized to do so. “card” means any access device or method of accessing the account, including the account number; “effective annual rate” is an effective annual rate. `interest` and `interest charges` means the periodic financing costs calculated in accordance with paragraph 5.