Ge Capital App

7/28/2019 Ge Capital App

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183-953-00Rev. 6/19/2012DATE OF PRINTING 5/12

VersionReta

PLEASE READ THE GE CAPITAL RETAIL BANK CREDIT CARD ACCOUNT AGREEMENTBEFORE SIGNING THIS APPLICATION.

3. APPLICANT and JOINT APPLICANT: We need your signature(s) belowBy applying for this account, I am asking GE Capital Retail Bank (GECRB) to issue me a GECRB credit card (the Card), and I agree that:

IamprovidingtheinformationinthisapplicationtoGECRBandtodealers/merchants/retailersthataccepttheCardandprogramsponsors.GECRBmayprovideinformationaboutme(evenifmyapplicationisdeclined)todealers/merchants/retailersthataccepttheCardandprogramsponsors(andtheirrespectiveafliates)sothattheycancreateandupdatetheirrecords, and provide me with service and special offers.

GECRBmayobtaininformationfromothersaboutme(includingrequestingreportsfromconsumerreportingagenciesandothersources)toevaluatemyapplication,andtoreview,maintaior collect my account.

IconsenttoGECRBandanyotherownerorservicerofmyaccountcontactingmeaboutmyaccount,includingusinganycontactinformationorcellphonenumbersIprovide,andIconsenttotheuseofanyautomatictelephonedialingsystemand/oranarticialorprerecordedvoicewhencontactingme,evenifIamchargedforthecallundermyphoneplan.

Ihavereadandagreetothecredittermsandotherdisclosuresinthisapplication,andIunderstandthatifmyapplicationisapproved,theGECRBcreditcardaccountagreement(Agreement) will govern my account. Among other things, the Agreement: (1) includes a resolving a dispute with arbitration provision that limits my rights unless I reject the provisioby following the provisions instructions; and(2)makeseachapplicantresponsibleforpayingtheentireamountofthecreditextended.

PLEASE SEE NEXT PAGE FOR RATES, FEES AND OTHER COST INFORMATION.

Federal law requires GECRB to obtain, verify and record information that identies you when you open an account. GECRB will use your name, address, date of birth, and otheinformation for this purpose.

APPLICATION AND CREDIT CARD ACCOUNT AGREEMENTA credit service of GE Capital Retail Bank

** MARRIED WI Residents only: If you are applying for an individual account and youspousealsoisaWIresident,combineyourandyourspousesnancialinformation.

IfyouapplywithaJointApplicant,eachofyouwillbejointlyandindividuallyresponsibleforobligationsundertheAgreementandbysigningbelow,youeachagreethatyouintendtoapplforjointcredit.

Signature of Applicant SignatureofJointApplicant(IfApplicable)

X____________________________________ ________________________ X________________________________ ____________________________Date___________________ Date___________________

RETAILER # ACCOUNT # KEY # AMOUNT OF INITIALTRANSACTION

APPLICANT 1st ID TYPE/NUMBER ISSUANCE STATE EXP. DATE APPLICANT 2nd ID (CREDIT CARD TYPE & ISSUER) EXP. DATE

JOINT APPLICANT 1st ID TYPE/NUMBER ISSUANCE STATE EXP. DATE JOINT APPLICANT 2nd ID (CREDIT CARD TYPE & ISSUER) EXP. DATE

RETAILER PHONE # RETAILER FAX # APPLICANT SIGNATURE MATCH APPLICANT PHOTO MATCH

VERIFIED BY:FOR RETAILER USE ONLY (Validation of Customer I.D.)

DriversLicense State Issued Federal Government

DriversLicense State Issued Federal GovernmentYESNO YESNO

1. APPLICANT INFORMATION: Please tell us about yourself. Please note that you must reside in the United States and be 18 years or older to apply.Name (First-Middle-Last) Please Print

Mailing Address Apt.# City State Zip

Your Address? Contact Person?City State Zip

IftheaboveaddressisaP.O.Box,youmust provide a street address for yourself or a contact person.ContactPersonName StreetAddress(StreetNameandNumber)

E-Mail Address (optional)*

Date of Birth SocialSecurityNumber HomePhoneNumber*

Cell/OtherPhoneNumber*

( )/ / - -

( )

PARENTS/RELATIVEOWN

RENTOTHERHousing Information Monthly Net Income

From All Sources

$__________________

RelativePhoneNumber*EmployersPhoneNumber*

( )( )

*YouauthorizeGECapitalRetailBank(GECRB)tocontactyouateachphonenumberyouhaveprovided.Byprovidingacellphonenumberand/oremailaddress,youagreetoreceivespecialoffers,updatesandaccountinformation,includingtextmessagesfromGECRBandthedealers/merchants/retailersthataccepttheCard.Standardtextmessagingratesmayapply

Alimony, child support or separate maintenanceincomeneednotbeincludedunlessrelieduponfor credit. You may include the monthly amountthat you have available to spend from yourassets. **

Name (First-Middle-Last) Please Print

Mailing Address Apt.# City State Zip

Date of Birth SocialSecurityNumber HomePhoneNumber*

Cell/OtherPhoneNumber*

( )/ / - -

( )

Monthly Net Income From All Sources

$________________________

EmployersPhoneNumber*

( )

2. JOINT APPLICANT INFORMATION: Anadditionalcardwillbeissuedtothepersonindicatedbelow.Theapplicant(andjointapplicant,ifany)willbeliableforalltransactionsmadeontheaccountincludingthosemadebyanyauthorizeduser.JOINTAPPLICANT:Youagreethatwemaysendnoticestoyouand/orapplicantattheapplicantsaddress,regardlessof whether you live at that address.

E-Mail Address (optional) *

Alimony, child support or separate maintenance income neednotbeincludedunlessrelieduponforcredit.Youmayincludethemonthly amountthatyou haveavailableto spend fromyour assets. **

Your Address? Contact Person?City State Zip

IftheaboveaddressisaP.O.Box,youmust provide a street address for yourself or a contact person.ContactPersonName StreetAddress(StreetNameandNumber)

PARENTS/RELATIVEOWN

RENTOTHERHousing Information


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How We Will Calculate Your Balance:Weuseamethodcalleddailybalance.Seeyourcreditcardaccountagreementformoredetails.

Billing Rights: Informationonyourrightstodisputetransactionsandhowtoexercisethoserightsisprovidedinyourcreditcardaccountagreement

Fees

Penalty Fees

LatePayment

ReturnedPayment

Up to $35

Up to $35

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GE CAPITAL RETAIL BANK

Keep For Your Records

SECTION I: RATES AND FEES TABLECREDIT CARD ACCOUNT AGREEMENT

Interest Rates and Interest Charges

Annual Percentage Rate (APR)for Purchases

Minimum Interest Charge

For Credit Card Tips from theConsumer Financial ProtectionBureau

29.99%

Ifyouarechargedinterest,thechargewillbenolessthan$2.

To learn more about factors to consider when applying for or using a credit card, visit the websiteof the Consumer Financial Protection Bureau at http://www.consumernance.gov/learnmore.

Paying Interest Yourduedateisatleast23daysafterthecloseofeachbillingcycle.Wewillnotchargeyouanyinterestonnon-promotionalpurchasesifyoupayyourentirebalancebytheduedateeachmonth.Wewillbegincharging interest on promotional purchases on the purchase date.

183-953-0Rev. 6/19/2012


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How Interest Is Calculated

SECTION II: RATES, FEES AND PAYMENT INFORMATION OF THE GE CAPITAL RETAIL BANK CREDIT CARD ACCOUNT AGREEMENT

Your Interest Rate Weuseadailyratetocalculatetheinterestonthebalanceonyouraccounteachday.ThedailyrateforpurchasesistheAPRtimes1/365.Thedailyrateforpurchasesis.08216%(APR29.99%).Interestwillbeimposedinamountsoratratesnotinexcessofthosepermittedbyapplicablelaw.

When We Charge Interest Wechargeinterestonyourpurchasesfromthedateyoumakethepurchaseuntilyoupaythepurchaseinfull.Seeexceptionsbelow.

Wewillnotchargeyouinterestduringabillingcycleonanynon-promotionalpurchasesif: 1. Youhadnobalanceatthestartofthebillingcycle;OR 2. Youhadabalanceatthestartofthebillingcycleandyoupaidthatbalanceinfullbytheduedateinthatbillingcycle.

We always charge interest on promotional purchases and their related fees from the date you make the purchase.

Wewillcredit,asofthestartofthebillingcycle,anypaymentyoumakebytheduedatethatweallocatetonon-promotionalpurchasesif: 1. Youhadnobalanceatthestartofthepreviousbillingcycle;OR 2. Youhadabalanceatthestartofthepreviousbillingcycleandyoupaidthatbalanceinfullbytheduedateinthepreviousbillingcycle.

How We Calculate Interest Weguretheinterestchargeonyouraccountseparatelyforeachbalancetype.Wedothisbyapplyingthedailyratetothedailybalanceforeachdayinthebillingcycle.Aseparatedailybalanceiscalculatedforthefollowingbalancetypes,asapplicable:purchasesandbalancessubjecttodifferentinterestrates,plansorspecialpromotions.Seebelowformoredetailsonhowthisworks.

1. Howtogetthedailybalance.Wetakethestartingbalanceeachday,addanynewchargesandfees,andsubtractanypaymentsorcredits.Thisgivesusthedailybalance.Debtcancellationfees,ifany,andlatepaymentfeesaretreatedasnewpurchases.

2. Howtogetthedailyinterestamount.Wemultiplyeachdailybalancebythedailyratethatapplies.3. Howtogetthestartingbalanceforthenextday.Weaddthedailyinterestamountinstep2tothedailybalancefromstep1.4. Howtogettheinterestchargeforthebillingcycle.Weaddallthedailyinterestamountsthatwerechargedduringthebillingcycle

foreachbalancetype.

Wechargeaminimumof$2.00ofinterestinanybillingcycleinwhichyouoweinterest.Interest,ascalculatedabove,isaddedasapplicabletoeachbalancetype.Minimuminterestchargesinexcessofthecalculatedinterestaretreatedasnewpurchases.

Minimum Payment CalculationYour total minimum payment is calculated as follows.

1. The sum of:a. The greater of either:

(i) $25;or (ii) 3.5%ofthenewbalanceshownonyourbillingstatement(excludinganybalanceattributabletoanyspecialpromotionalpurchasewithauniquepaymentcalculation);o (iii) Thesumof1%ofyournewbalanceshownonyourbillingstatement(excludinganybalanceattributabletoanyspecialpromotionalpurchasewithauniquepayment calculation)plusinterest,latepaymentfeesandreturnedpaymentfeeschargedinthecurrentbillingcycle;PLUS b. Anypastdueamounts;PLUS c. Anypaymentdueinconnectionwithaspecialpromotionalpurchasewithauniquepaymentcalculation.

Werounduptothenexthighestwholedollaringuringyourtotalminimumpayment.Yourtotalminimumpaymentwillneverbemorethanyournewbalance.

How Fees Work

Late Payment Fee Wewillchargethisfeeifwedonotreceivethetotalminimumpaymentdueonyouraccountby5p.m.(ET)ontheduedate.Thisfeeisequalto:

1. $25,ifyouhavepaidyourtotalminimumpaymentduebytheduedateineachofthepriorsixbillingcycles.OR2. $35,ifyouhavefailedtopayyourtotalminimumpaymentduebytheduedateinanyoneormoreofthepriorsixbillingcycles.

Thelatepaymentfeewillnotbemorethanthetotalminimumpaymentthatwasdue.

We will charge this fee if any check, other instrument, or electronic payment authorization you provide us in payment on your account, isnothonoreduponrstpresentment.Wewillchargethisfeeevenifthecheck,instrumentorelectronicauthorizationislaterhonored.Thisfeeisequalto:

1. $25,ifyourpaymentshavebeenhonoredineachofthepriorsixbillingcycles.OR

2. $35,ifanypaymenthasbeendishonoreduponrstpresentmentinanyoneormoreofthepriorsixbillingcycles.

Thereturnedpaymentfeewillnotbemorethanthetotalminimumpaymentthatwasdue.

Returned Payment Fee


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SECTION III: STANDARD PROVISIONS OF THE GE CAPITAL RETAIL BANK CREDIT CARD ACCOUNT AGREEMENT

ABOUT THE CREDIT CARD ACCOUNT AGREEMENTThis Agreement.ThisisanAgreementbetweenyouandGECapitalRetailBank,170ElectionRoad,Suite125,Draper,UT84020,foryourcreditcardaccount.Byopeningorusingyouaccount,youagreetothetermsoftheentireAgreement.TheentireAgreementincludesthefoursectionsofthisdocumentandtheapplicationyousubmittedtousinconnectionwiththaccount. These documents replace any other agreement relating to your account that you or we made earlier or at the same time.

Parties To This Agreement.ThisAgreementappliestoeachaccountholderapprovedontheaccountandeachofyouisresponsibleforpayingthefullamountdue,nomatterwhichoneusestheaccount.Wemaytreateachofyouasoneaccountholderandmayrefertoeachofyouasyouoryour.GECapitalRetailBankmaybereferredtoaswe,usorour.

Changes To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges.

Special Promotions.ThetermsofthisAgreementapplytoanyspecialpromotion.However,anyspecialpromotionaltermsthataredifferentthanthetermsinthisAgreementwillbeexplainedonpromotionaladvertisingorotherdisclosuresprovidedtoyou.

HOW TO USE YOUR ACCOUNT/CARDUse Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases from dealers/merchants/retailers thaaccept the card.

You Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement.

Your Responsibility. Eachaccountholderwillreceiveacard.Youmaynotallowanyoneelsetouseyouraccount.Ifyoudo,orifyouaskustosendacardtosomeoneelse,youwillbresponsibleforpayingforallchargesresultingfromtheirtransactions.

Purchase Limits. Topreventfraud,wemaylimitthenumberordollaramountofpurchasesyoucanmakeinanyparticularamountoftime.Wealsomaydeclineanyparticularchargeoyour account for any reason.

Credit Limit.Youwillbeassignedacreditlimitthatwemayincreaseordecreasefromtimetotime.Ifweapproveapurchasethatmakesyougooveryourcreditlimit,wedonotgiveuany rights under this Agreement and we do not treat it as an increase in your credit limit.

HOW AND WHEN TO MAKE PAYMENTSWhen Payments Are Due.Youmustpayatleastthetotalminimumpaymentdueonyouraccountby5pm(ET)ontheduedateofeachbillingcycle.Paymentsreceivedafter5pm(ETwillbecreditedasofthenextday.Youmayatanytimepay,inwholeorinpart,thetotalunpaidbalancewithoutanyadditionalchargeforprepayment.Ifyouhaveabalancesubjecttointerest,earlierpaymentmayreducetheamountofinterestyouwillpay.Wemaydelaymakingcreditavailableonyouraccountintheamountofyourpaymenteventhoughwewillcredyour payment when we receive it.

Payment Options.Youcanpaybymail,onlineoratcertaindealers/merchants/retailersthatacceptthecardandpayments.Wemayallowyoutomakepaymentsoverthephonebutwwillchargeyouafeetomakeexpeditedphonepayments.YourpaymentmustbemadeinU.S.dollarsbyphysicalorelectroniccheck,moneyorderorasimilarinstrumentfromabanklocated in the United States.

How To Make A Payment. Youmustfollowtheinstructionsformakingpaymentsprovidedonyourbillingstatement.Ifyoudonot,creditofyourpaymentmaybedelayeduptovedaysYourbillingstatementalsoexplainshowinformationonyourcheckisused.

Payment Allocation.Wewillapplytherequiredtotalminimumpaymenttobalancesonyouraccountusinganymethodwechoose.AnypaymentyoumakeinexcessoftherequiredtotaminimumpaymentwillbeappliedtohigherAPRbalancesbeforelowerAPRbalances.Applicablelawmayrequireorpermitustoapplyexcesspaymentsinadifferentmannerincertasituations, such as when your account has a certain type of special promotion.

INFORMATION ABOUT YOUUsing and Sharing Your Information.Whenyouappliedforanaccount,yougaveus,dealers/merchants/retailersthatacceptthecardandprogramsponsorsinformationaboutyoursethatwecouldsharewitheachother.Dealers/Merchants/Retailersthatacceptthecardandprogramsponsors(andtheirrespectiveafliates)willusetheinformationinconnectionwiththecreditprogramandforthingslikecreatingandupdatingtheirrecordsandofferingyouspecialbenets.Moreinformationabouthowweuseandshareinformationissetforthintheprivacpolicy for your account.

Address/Phone Change. Youagreetotellusrightawayifyouchangeyouraddressorphonenumber(s).Wewillcontactyouattheaddressorphonenumberinourrecordsuntilweupdateourrecordswithyournewaddressorphonenumber.

Consent to Communications. You consent to us contacting you using all channels of communication and for all purposes. We will use the contact information you provide to us. You alsoconsenttousandanyotherownerorservicerofyouraccountcontactingyouusinganycommunicationchannel.Thismayincludetextmessages,automatictelephonedialingsystemsand/oranarticialorprerecordedvoice.Thisconsentappliesevenifyouarechargedforthecallunderyourphoneplan.Youareresponsibleforanychargesthatmaybebilledtoyoubyour communications carriers when we contact you.

Telephone Monitoring. Forqualitycontrol,youallowustolistentoorrecordtelephonecallsbetweenyouandus.

IMPORTANT INFORMATION ABOUT YOUR ACCOUNTClosing Your Account. Youmaycloseyouraccountatanytimebysendingalettertotheaddressshownonyourbillingstatementorcallingcustomerservice.Wemaycloseyouraccountat any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do.

Collection Costs. Ifweaskanattorneywhoisnotoursalariedemployeetocollectyouraccount,wemaychargeyouourcollectioncosts.Theseincludecourtcostsandreasonableattorneysfees.

Credit Bureau Reporting. Wemayreportinformationaboutyouraccounttocreditbureaus.Latepayments,missedpayments,orotherdefaultsonyouraccountmaybeshowninyoucreditreport.Tellusifyouthinkwereportedwronginformationaboutyoutoacreditbureau.WritetousatGECapitalRetailBank,P.O.Box965036,Orlando,FL32896-5036.Telluswhatinformation is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong information, send us a copy.

Default.Youareindefaultifyoumakealatepayment,donotfollowanyothertermofthisAgreementorbecomebankruptorinsolvent.Ifyoudefaultoruponyourdeath,wemay(a)requestthatyoupaythefullamountduerightaway,(b)takelegalactiontocollecttheamountsowed,and/or(c)takeanyotheractionallowed.

Disputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your bill. If you send us correspondencabout a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any rights under this Agreement if we accept a payment markedpayment in full or given with any other conditions or limitations.


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Unauthorized Use. Ifyourcardislost,stolenorusedwithoutyourconsent,callusimmediatelyat866-396-8254.Youwillnotbeliableforunauthorizeduseonyouraccount,butyouwiberesponsibleforallusebyanyoneyougiveyourcardtoorallowtouseyouraccount.

IMPORTANT INFORMATION ABOUT THIS AGREEMENTAssignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We do not have to give you prionotice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account.

Enforceability. IfanypartofthisAgreementisfoundtobevoidorunenforceable,allotherpartsofthisAgreementwillstillapply.

Governing Law.ExceptasprovidedintheResolvingaDisputewithArbitrationsection,thisAgreementandyouraccountaregovernedbyfederallawand,totheextentstatelawappliesthelawsofUtahwithoutregardtoitsconictsoflawprinciples.ThisAgreementhasbeenacceptedbyusinUtah.

Waiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in another situation.

RESOLVING A DISPUTE WITH ARBITRATIONPLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US WILLBE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TOPARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.

What claims are subject to arbitration1.Ifeitheryouorwemakeademandforarbitration,youandwemustarbitrateanydisputeorclaimbetweenyouoranyotheruserofyouraccount,andus,ourafliates,agentsand

ordealers/merchants/retailersthatacceptthecardorprogramsponsorsifitrelatestoyouraccount,exceptasnotedbelow.

2.Wewillnotrequireyoutoarbitrate:(1)anyindividualcaseinsmallclaimscourtoryourstatesequivalentcourt,solongasitremainsanindividualcaseinthatcourt;or(2)acasweletocollectmoneyyouoweus.However,ifyourespondtothecollectionlawsuitbyclaiminganywrongdoing,wemayrequireyoutoarbitrate.

3.Notwithstandinganyotherlanguageinthissection,onlyacourt,notanarbitrator,willdecidedisputesaboutthevalidity,enforceability,coverageorscopeofthissectionoranypathereof(including,withoutlimitation,thenextparagraphofthissectionand/orthissentence).However,anydisputeorargumentthatconcernsthevalidityorenforceabilityoftheAgreementasawholeisforthearbitrator,notacourt,todecide.

No Class ActionsYOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOUMAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT A ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY

ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY CLAIM YOU HAVE. Ifacourtdeterminesthatthisparagraphisnotfullyenforceable,onlythissentencewillremaininforceandtheremainderwillbenullandvoid,andthecourtsdeterminationshallbsubjecttoappeal.Thisparagraphdoesnotapplytoanylawsuitoradministrativeproceedingledagainstusbyastateorfederalgovernmentagencyevenwhensuchagencyisseekingreliefonbehalfofaclassofborrowers,includingyou.Thismeansthatwewillnothavetherighttocompelarbitrationofanyclaimbroughtbysuchanagency.

How to start an arbitration, and the arbitration process1. Thepartywhowantstoarbitratemustnotifytheotherpartyinwriting.Thisnoticecanbegivenafterthebeginningofalawsuitorinpapersledinthelawsuit.Otherwise,yournotic

mustbesenttoGECapitalRetailBank,LegalOperation,P.O.Box29110,ShawneeMission,KS66201,ATTN:ARBITRATIONDEMAND.Thepartyseekingarbitrationmustseleanarbitrationadministrator,whichcanbeeithertheAmericanArbitrationAssociation(AAA),1633Broadway,10thFloor,NewYork,NY10019,www.adr.org,(800)778-7879,orJAMS,620EighthAvenue,34thFloor,NewYork,NY10018,www.jamsadr.com,(800)352-5267.Ifneitheradministratorisableorwillingtohandlethedispute,thenthecourtwiapointanarbitrator.

2. Ifapartylesalawsuitincourtassertingclaim(s)thataresubjecttoarbitrationandtheotherpartylesamotionwiththecourttocompelarbitration,whichisgranted,itwillbethresponsibilityofthepartyassertingtheclaim(s)tocommencethearbitrationproceeding.

3. Thearbitrationadministratorwillappointthearbitratorandwilltellthe partieswhattodo next.Thearbitratormustbealawyerwithatleasttenyearsoflegal experience.Onceappointed,thearbitratormustapplythesamelawandlegalprinciples,consistentwiththeFAA,thatwouldapplyincourt,butmayusedifferentproceduralrules.IftheadministratorsrulesconictwiththisAgreement,thisAgreementwillcontrol.

4. Thearbitrationwilltakeplacebyphoneoratareasonablyconvenientlocation.Ifyouaskusto,wewillpayallthefeestheadministratororarbitratorcharges,aslongaswebelieveyouareactingingoodfaith.Wewillalwayspayarbitrationcosts,aswellasyourlegalfeesandcosts,totheextentyouprevailonclaimsyouassertagainstusinanarbitrationproceeding which you have commenced.

Governing Law for Arbitration ThisArbitrationsectionofyourAgreementisgovernedbytheFederalArbitrationAct(FAA).UtahlawshallapplytotheextentstatelawisrelevantundertheFAA.Thearbitratorsdecisio

willbenalandbinding,exceptforanyappealrightundertheFAA.Anycourtwithjurisdictionmayenterjudgmentuponthearbitratorsaward.

How to reject this section.You may reject this Arbitration section of your Agreement. If you do that, only a court may be used to resolve any dispute or claim. To reject this section, you must send usa notice within 60 days after you open your account or we rst provided you with your right to reject this section. The notice must include your name, address and accounnumber, and must be mailed to GE Capital Retail Bank, P.O. Box 965034, Orlando, FL 32896-5034. This is the only way you can reject this section.


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SECTION IV: OTHER IMPORTANT INFORMATION OF THE GE CAPITAL RETAIL BANK CREDIT CARD ACCOUNT AGREEMENT

STATE NOTICES

CALIFORNIA RESIDENTS: If you are married, you may apply for a separate account.

NEW JERSEY RESIDENTS: CertainprovisionsofthisAgreementaresubjecttoapplicablelaw.Asaresult,theymaybevoid,unenforceableorinapplicableinsomejurisdictions.Nonoftheseprovisions,however,isvoid,unenforceableorinapplicableinNewJersey.

NEW YORK RESIDENTS:Aconsumercreditreportmaybeobtainedinconnectionwithevaluatingyourapplicationandsubsequentlyinconnectionwithupdates,renewals,orextensionsofcreditforwhichthisapplicationismade.Uponyourrequest,youwillbeinformedwhetherareportwasobtained,andifso,ofthenameandaddressoftheconsumerreportingagency.ThiAgreementwillnotbecomeeffectiveunlessanduntilyouoranauthorizedusersignsasalesslipormemorandumevidencingapurchaseorleaseofpropertyorservicesorthepaymentoanebyuseofyourcreditcardandpriortheretoyouwillnotberesponsibleforanypurchaseorleaseofpropertyorservicesbyuseofyourcreditcardafteritslossortheft.

OHIO RESIDENTS:TheOhiolawsagainstdiscriminationrequirethatallcreditorsmakecreditequallyavailabletoallcreditworthycustomers,andthatcreditreportingagenciesmaintaiseparatecredithistoriesoneachindividualuponrequest.TheOhiocivilrightscommissionadministerscompliancewiththislaw.

TENNESSEE RESIDENTS: ThisAgreementwillnotbecomeeffectiveunlessanduntilwehave(1)providedthedisclosuresrequiredpursuanttothefederalTruthinLendingAct,(2)yooranauthorizeduserusestheaccount,and(3)weextendcredittoyouforthattransactiononyouraccount.

WISCONSIN RESIDENTS: Noprovisionofamaritalpropertyagreement,aunilateralstatementundersec.766.59,Wis.Stats.,oracourtdecreeundersec.766.70,Wis.Stats.,adverselaffects the interest of the creditor unless the creditor, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverseprovisionwhentheobligationtothecreditorisincurred.Married residents of Wisconsin applying for an individual account must give us the name and address of their spouse ithe spouse also is a Wisconsin resident, regardless of whether the spouse may use the card. Please provide this information to us at P.O. Box 968042, Orlando, FL 32896-5042

Your signature on the application or sales slip (or online screen) for the initial purchase approved on this account represents your signature on this Agreement. It is incorporatedhere by reference.

We have signed this Agreement as follows:

Margaret KeaneChairman and CEOGE Capital Retail Bank

YOUR BILLING RIGHTS SUMMARY

Your Billing Rights: Keep this Document for Future Use

ThisnoticetellsyouaboutyourrightsandourresponsibilitiesundertheFairCreditBillingAct.

What To Do If You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at:GE Capital Retail Bank

170ElectionRoad,Suite125,Draper,UT84020In your letter, give us the following information: Account information:Yournameandaccountnumber. Dollar amount: The dollar amount of the suspected error. Description of problem:Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveiswrongandwhyyoubelieveitisamistake.

You must contact us: Within60daysaftertheerrorappearedonyourstatement. Atleast3businessdaysbeforeanautomatedpaymentisscheduled,ifyouwanttostoppaymentontheamountyouthinkiswrong.

You must notify us of any potential errors in writing.Youmaycallus,butifyoudowearenotrequiredtoinvestigateanypotentialerrorsandyoumayhavetopaytheamountinquestion.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.2. Within90daysofreceivingyourletter,wemusteithercorrecttheerrororexplaintoyouwhywebelievethebilliscorrect.

Whileweinvestigatewhetherornottherehasbeenanerror: Wecannottrytocollecttheamountinquestion,orreportyouasdelinquentonthatamount. Thechargeinquestionmayremainonyourstatement,andwemaycontinuetochargeyouinterestonthatamount. Whileyoudonothavetopaytheamountinquestion,youareresponsiblefortheremainderofyourbalance. Wecanapplyanyunpaidamountagainstyourcreditlimit.

Afterwenishourinvestigation,oneoftwothingswillhappen: If we made a mistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount. If we do not believe there was a mistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.Wewillsendyouastatementoftheamountyou

oweandthedatepaymentisdue.Wemaythenreportyouasdelinquentifyoudonotpaytheamountwethinkyouowe.Ifyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmustwritetouswithin 10 daystellingusthatyoustillrefusetopay.Ifyoudoso,wecannotreportyouasdelinquentwithoutalsoreportingthatyouarequestioningyourbill.Wemusttellyouthenameofanyonetowhomwereportedyouasdelinquent,andwemustletthoseorganizationsknowwhenthe

matterhasbeensettledbetweenus. Ifwedonotfollowalloftherulesabove,youdonothavetopaytherst$50oftheamountyouquestionevenifyourbilliscorrect.

Your Rights If You Are Dissatised With Your Credit Card Purchases

Ifyouaredissatisedwiththegoodsorservicesthatyouhavepurchasedwithyourcreditcard,andyouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,youmahave the right not to pay the remaining amount due on the purchase. Tousethisright,allofthefollowingmustbetrue: 1. Thepurchasemusthavebeenmadeinyourhomestateorwithin100milesofyourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$50.(NoteNeitherofthesearenecessaryifyourpurchasewasbasedonanadvertisementwemailedtoyou,orifweownthecompanythatsoldyouthegoodsorservices.) 2. Youmusthaveusedyourcreditcardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheckthataccessesyourcreditcardaccountdonotqualify

3. You must not yet have fully paid for the purchase.Ifallofthecriteriaabovearemetandyouarestilldissatisedwiththepurchase,contactusinwritingat:

GE Capital Retail Bank P.O.Box965035,Orlando,FL32896-5035 Whileweinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.Afterwenishourinvestigation,wewilltellyouourdecision.Atthatpoint,ifwethinkyooweanamountandyoudonotpay,wemayreportyouasdelinquent.


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FACTS WHAT DOES GE CAPITAL RETAIL BANK DOWITH YOUR PERSONAL INFORMATION?

PRIVACY POLICY

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit

somebutnotallsharing.Federallawalsorequiresustotellyouhowwecollect,share,andprotectyourpersonalinfor-mation. Please read this notice carefully to understand what we do.

Allnancialcompaniesneedtosharecustomerspersonalinformationtoruntheireverydaybusiness.Inthesectionbelow,welistthereasonsnancialcompaniescansharetheircustomerspersonalinformation;thereasonsGECapitalRetailBankchoosestoshare;andwhetheryoucanlimitthissharing.

The types of personal information we collect and share depend on the product or service you have with us. This informa-tion can include:

SocialSecuritynumberandincome Accountbalancesandpaymenthistory Credithistoryandcreditscores

Reasons we can share your personal information Does GE CapitalRetail Bank share?

Can you limit thissharing?

Yes

Yes

Yes

Yes

Yes

Yes

Yes

No

No

No

No

Yes

Yes

Yes*

For our everyday business purposessuch as to process your transactions, maintain your account(s), respond to court

ordersandlegalinvestigations,orreporttocreditbureaus

For our marketing purposesto offer our products and services to you

For joint marketing with other nancial companies

For our afliates to market to you

For nonafliates to market to you

For our afliates everyday business purposes

informationaboutyourtransactionsandexperiences

For our afliates everyday business purposes

informationaboutyourcreditworthiness

Questions?

To limit oursharing

Call877-905-2097

Call877-905-2097ourmenuwillpromptyouthroughyourchoice(s)

Please note:If you are a newcustomer,wecanbeginsharingyourinformation30daysfromthedatewesentthisnotice.Whenyouareno longerourcustomer,wecontinuetoshareyourinformationasdescribedinthisnotice.However,youcancontactusatany time to limit our sharing.

What?

How?

Rev. 6/12


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How does GE Capital Retail Bank

protect my personal information?

How does GE Capital Retail Bank

collect my personal information?

*Pleasekeepin mind that, aspermittedbyfederallaw,we share informationabout youwithdealers/merchants/retailers/contractorsthataccepthe card and program sponsors in connection with maintaining and servicing the GE Capital Retail Bank credit card program, including for dealers/merchants/retailers/contractorsthatacceptthecardandprogramsponsorstomarkettoyou.Ifyouoptoutofsharingwithnonafliates,youroptoutwillnotprohibitusfromsharingyourinformationwithdealers/merchants/retailers/contractorsthatacceptthecardandprogramsponsors.

TheabovenoticeappliesonlytotheconsumercreditcardaccountcoveredbytheattachedGECapitalRetailBankCreditCardAccountAgreemenand does not apply to any other accounts you have with us. It replaces our previous privacy notice disclosures to you. We can change our privacy policyatanytimeandwillletyouknowifwedoif/asrequiredbyapplicablelaw.

Forhelpfulinformationaboutidentitytheft,visittheFederalTradeCommissions(FTC)consumerwebsiteathttp://www.ftc.gov/idtheft.

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