Get Financed Today
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183-953-00 Rev. 6/19/2012 DATE OF PRINTING 5/12 Version: Retail PLEASE READ THE GE CAPITAL RETAIL BANK CREDIT CARD ACCOUNT AGREEMENT BEFORE SIGNING THIS APPLICATION. 3. APPLICANT and JOINT APPLICANT: We need your signature(s) below By 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: • I am providing the information in this application to GECRB and to dealers/merchants/retailers that accept the Card and program sponsors. GECRB may provide information about me (even if my application is declined) to dealers/merchants/retailers that accept the Card and program sponsors (and their respective affiliates) so that they can create and update their records, and provide me with service and special offers. • GECRB may obtain information from others about me (including requesting reports from consumer reporting agencies and other sources) to evaluate my application, and to review, maintain or collect my account. • I consent to GECRB and any other owner or servicer of my account contacting me about my account, including using any contact information or cell phone numbers I provide, and I consent to the use of any automatic telephone dialing system and/or an artificial or prerecorded voice when contacting me, even if I am charged for the call under my phone plan. • I have read and agree to the credit terms and other disclosures in this application, and I understand that if my application is approved, the GECRB credit card account agreement (“Agree- ment”) 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 provision by following the provision’s instructions; and (2) makes each applicant responsible for paying the entire amount of the credit extended. PLEASE SEE NEXT PAGE FOR RATES, FEES AND OTHER COST INFORMATION. Federal law requires GECRB to obtain, verify and record information that identifies you when you open an account. GECRB will use your name, address, date of birth, and other information for this purpose. APPLICATION AND CREDIT CARD ACCOUNT AGREEMENT A credit service of GE Capital Retail Bank ** MARRIED WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse’s financial information. If you apply with a Joint Applicant, each of you will be jointly and individually responsible for obligations under the Agreement and by signing below, you each agree that you intend to apply for joint credit. Signature of Applicant Signature of Joint Applicant (If Applicable) X____________________________________________________________ X____________________________________________________________ Date___________________ Date___________________ RETAILER # ACCOUNT # KEY # AMOUNT OF INITIAL TRANSACTION APPLICANT 1 st ID TYPE/NUMBER ISSUANCE STATE EXP. DATE APPLICANT 2 nd ID (CREDIT CARD TYPE & ISSUER) EXP. DATE JOINT APPLICANT 1 st ID TYPE/NUMBER ISSUANCE STATE EXP. DATE JOINT APPLICANT 2 nd 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.) Driver’s License State Issued Federal Government Driver’s License State Issued Federal Government YES NO YES NO 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 If the above address is a P.O. Box, you must provide a street address for yourself or a contact person. Contact Person Name Street Address (Street Name and Number) E-Mail Address (optional)* Date of Birth Social Security Number Home Phone Number * Cell/Other Phone Number * ( ) / / - - ( ) PARENTS/ RELATIVE OWN RENT OTHER Housing Information Monthly Net Income From All Sources $__________________ Relative Phone Number * Employer’s Phone Number * ( ) ( ) *You authorize GE Capital Retail Bank (“GECRB”) to contact you at each phone number you have provided. By providing a cell phone number and/or email address, you agree to receive special offers, updates and account information, including text messages from GECRB and the dealers/merchants/retailers that accept the Card. Standard text messaging rates may apply. Alimony, child support or separate maintenance income need not be included unless relied upon for credit. You may include the monthly amount that you have available to spend from your assets. ** Name (First-Middle-Last) Please Print Mailing Address Apt.# City State Zip Date of Birth Social Security Number Home Phone Number * Cell/Other Phone Number * ( ) / / - - ( ) Monthly Net Income From All Sources $________________________ Employer’s Phone Number * ( ) 2. JOINT APPLICANT INFORMATION: An additional card will be issued to the person indicated below. The applicant (and joint applicant, if any) will be liable for all transactions made on the account including those made by any authorized user. JOINTAPPLICANT: You agree that we may send notices to you and/or applicant at the applicant’s address, regardless of whether you live at that address. E-Mail Address (optional) * Alimony, child support or separate maintenance income need not be included unless relied upon for credit. You may include the monthly amount that you have available to spend from your assets. ** Your Address? Contact Person? City State Zip If the above address is a P.O. Box, you must provide a street address for yourself or a contact person. Contact Person Name Street Address (Street Name and Number) PARENTS/ RELATIVE OWN RENT OTHER Housing Information
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Transcript of Get Financed Today
183-953-00Rev. 6/19/2012DATE OF PRINTING 5/12
Version:Retail
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(andtheirrespectiveaffiliates)sothattheycancreateandupdatetheirrecords, and provide me with service and special offers.
• GECRBmayobtaininformationfromothersaboutme(includingrequestingreportsfromconsumerreportingagenciesandothersources)toevaluatemyapplication,andtoreview,maintainor collect my account.
• IconsenttoGECRBandanyotherownerorservicerofmyaccountcontactingmeaboutmyaccount,includingusinganycontactinformationorcellphonenumbersIprovide,andIconsenttotheuseofanyautomatictelephonedialingsystemand/oranartificialorprerecordedvoicewhencontactingme,evenifIamchargedforthecallundermyphoneplan.
• Ihavereadandagreetothecredittermsandotherdisclosuresinthisapplication,andIunderstandthatifmyapplicationisapproved,theGECRBcreditcardaccountagreement(“Agree-ment”) 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 provision by following the provision’s 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 identifies you when you open an account. GECRB will use your name, address, date of birth, and other information 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 your spousealsoisaWIresident,combineyourandyourspouse’sfinancialinformation.
IfyouapplywithaJointApplicant,eachofyouwillbejointlyandindividuallyresponsibleforobligationsundertheAgreementandbysigningbelow,youeachagreethatyouintendtoapplyforjointcredit.
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.)
Driver’sLicense State Issued Federal Government
Driver’sLicense State Issued Federal Government
YES NO
YES NO
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/ RELATIVE OWN
RENT OTHER
Housing Information Monthly Net Income From All Sources$__________________
RelativePhoneNumber*Employer’sPhoneNumber*
( )( )
*YouauthorizeGECapitalRetailBank(“GECRB”)tocontactyouateachphonenumberyouhaveprovided.Byprovidingacellphonenumberand/oremailaddress,youagreetoreceivespecialoffers,updatesandaccountinformation,includingtextmessagesfromGECRBandthedealers/merchants/retailersthataccepttheCard.Standardtextmessagingratesmayapply.
Alimony, child support or separate maintenance incomeneednotbeincludedunlessrelieduponfor credit. You may include the monthly amount that 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
$________________________
Employer’sPhoneNumber*
( )
2. JOINT APPLICANT INFORMATION: Anadditionalcardwillbeissuedtothepersonindicatedbelow.Theapplicant(andjointapplicant,ifany)willbeliableforalltransactionsmadeontheaccountincludingthosemadebyanyauthorizeduser.JOINTAPPLICANT:Youagreethatwemaysendnoticestoyouand/orapplicantattheapplicant’saddress,regardlessof whether you live at that address.
E-Mail Address (optional) *
Alimony, child support or separate maintenance income need notbeincludedunlessrelieduponforcredit.Youmayincludethemonthly amount that you have available to 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/ RELATIVE OWN
RENT OTHER
Housing Information
How We Will Calculate Your Balance:Weuseamethodcalled“dailybalance”.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 the Consumer Financial Protection Bureau
29.99%
Ifyouarechargedinterest,thechargewillbenolessthan$2.
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Paying Interest Yourduedateisatleast23daysafterthecloseofeachbillingcycle.Wewillnotchargeyouanyinterestonnon-promotionalpurchasesifyoupayyourentirebalancebytheduedateeachmonth.Wewillbegincharging interest on promotional purchases on the purchase date.
183-953-01Rev. 6/19/2012
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How Interest Is CalculatedSECTION 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 Wefiguretheinterestchargeonyouraccountseparatelyforeachbalancetype.Wedothisbyapplyingthedailyratetothedailybalanceforeachday inthebillingcycle. Aseparatedailybalanceiscalculatedfor thefollowingbalancetypes,asapplicable:purchasesandbalancessubjecttodifferentinterestrates,plansorspecialpromotions.Seebelowformoredetailsonhowthisworks.
1. Howtogetthedailybalance.Wetakethestartingbalanceeachday,addanynewchargesandfees,andsubtractanypaymentsorcredits.Thisgivesusthedailybalance.Debtcancellationfees,ifany,andlatepaymentfeesaretreatedasnewpurchases.
2. Howtogetthedailyinterestamount.Wemultiplyeachdailybalancebythedailyratethatapplies.3. Howtogetthestartingbalanceforthenextday.Weaddthedailyinterestamountinstep2tothedailybalancefromstep1.4. Howtogettheinterestchargeforthebillingcycle.Weaddallthedailyinterestamountsthatwerechargedduringthebillingcycle
foreachbalancetype.
Wechargeaminimumof$2.00of interest inanybilling cycle inwhich youowe interest. Interest, as calculatedabove, is addedasapplicabletoeachbalancetype.Minimuminterestchargesinexcessofthecalculatedinterestaretreatedasnewpurchases.
Minimum Payment Calculation Your total minimum payment is calculated as follows.
1. The sum of: a. The greater of either: (i) $25;or (ii) 3.5%ofthenewbalanceshownonyourbillingstatement(excludinganybalanceattributabletoanyspecialpromotionalpurchasewithauniquepaymentcalculation);or (iii) Thesumof1%ofyournewbalanceshownonyourbillingstatement(excludinganybalanceattributabletoanyspecialpromotionalpurchasewithauniquepayment calculation)plusinterest,latepaymentfeesandreturnedpaymentfeeschargedinthecurrentbillingcycle;PLUS b. Anypastdueamounts;PLUS c. Anypaymentdueinconnectionwithaspecialpromotionalpurchasewithauniquepaymentcalculation.
Werounduptothenexthighestwholedollarinfiguringyourtotalminimumpayment.Yourtotalminimumpaymentwillneverbemorethanyournewbalance.
How Fees WorkLate Payment Fee Wewillchargethisfeeifwedonotreceivethetotalminimumpaymentdueonyouraccountby5p.m.(ET)ontheduedate.Thisfeeis
equalto:
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, is nothonoreduponfirstpresentment.Wewillchargethisfeeevenifthecheck,instrumentorelectronicauthorizationislaterhonored.Thisfeeisequalto:
1. $25,ifyourpaymentshavebeenhonoredineachofthepriorsixbillingcycles. OR 2. $35,ifanypaymenthasbeendishonoreduponfirstpresentmentinanyoneormoreofthepriorsixbillingcycles.
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.Byopeningorusingyouraccount,youagreetothetermsoftheentireAgreement.TheentireAgreementincludesthefoursectionsofthisdocumentandtheapplicationyousubmittedtousinconnectionwiththeaccount. 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.Wemaytreateachofyouasoneaccountholderandmayrefertoeachofyouas“you”or“your”.GECapitalRetailBankmaybereferredtoas“we”,“us”or“our”.
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 that accept 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,youwillberesponsibleforpayingforallchargesresultingfromtheirtransactions.
Purchase Limits. Topreventfraud,wemaylimitthenumberordollaramountofpurchasesyoucanmakeinanyparticularamountoftime.Wealsomaydeclineanyparticularchargeonyour account for any reason.
Credit Limit.Youwillbeassignedacreditlimitthatwemayincreaseordecreasefromtimetotime.Ifweapproveapurchasethatmakesyougooveryourcreditlimit,wedonotgiveupany rights under this Agreement and we do not treat it as an increase in your credit limit.
HOW AND WHEN TO MAKE PAYMENTS When Payments Are Due.Youmustpayatleastthetotalminimumpaymentdueonyouraccountby5pm(ET)ontheduedateofeachbillingcycle.Paymentsreceivedafter5pm(ET)willbecreditedasofthenextday.Youmayatanytimepay,inwholeorinpart,thetotalunpaidbalancewithoutanyadditionalchargeforprepayment.Ifyouhaveabalancesubjecttointerest,earlierpaymentmayreducetheamountofinterestyouwillpay.Wemaydelaymakingcreditavailableonyouraccountintheamountofyourpaymenteventhoughwewillcredityour payment when we receive it.
Payment Options.Youcanpaybymail,onlineoratcertaindealers/merchants/retailersthatacceptthecardandpayments.Wemayallowyoutomakepaymentsoverthephonebutwewillchargeyouafeetomakeexpeditedphonepayments.YourpaymentmustbemadeinU.S.dollarsbyphysicalorelectroniccheck,moneyorderorasimilarinstrumentfromabanklocated in the United States.
How To Make A Payment. Youmustfollowtheinstructionsformakingpaymentsprovidedonyourbillingstatement.Ifyoudonot,creditofyourpaymentmaybedelayeduptofivedays.Yourbillingstatementalsoexplainshowinformationonyourcheckisused.
Payment Allocation.Wewillapplytherequiredtotalminimumpaymenttobalancesonyouraccountusinganymethodwechoose.AnypaymentyoumakeinexcessoftherequiredtotalminimumpaymentwillbeappliedtohigherAPRbalancesbeforelowerAPRbalances.Applicablelawmayrequireorpermitustoapplyexcesspaymentsinadifferentmannerincertainsituations, such as when your account has a certain type of special promotion.
INFORMATION ABOUT YOU Using and Sharing Your Information.Whenyouappliedforanaccount,yougaveus,dealers/merchants/retailersthatacceptthecardandprogramsponsorsinformationaboutyourselfthatwecouldsharewitheachother.Dealers/Merchants/Retailersthatacceptthecardandprogramsponsors(andtheirrespectiveaffiliates)willusetheinformationinconnectionwiththecreditprogramandforthingslikecreatingandupdatingtheirrecordsandofferingyouspecialbenefits.Moreinformationabouthowweuseandshareinformationissetforthintheprivacypolicy 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 also consenttousandanyotherownerorservicerofyouraccountcontactingyouusinganycommunicationchannel.Thismayincludetextmessages,automatictelephonedialingsystemsand/oranartificialorprerecordedvoice.Thisconsentappliesevenifyouarechargedforthecallunderyourphoneplan.Youareresponsibleforanychargesthatmaybebilledtoyoubyyour communications carriers when we contact you.
Telephone Monitoring. Forqualitycontrol,youallowustolistentoorrecordtelephonecallsbetweenyouandus.
IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Closing 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.Theseincludecourtcostsandreasonableattorneys’fees.
Credit Bureau Reporting. Wemayreportinformationaboutyouraccounttocreditbureaus.Latepayments,missedpayments,orotherdefaultsonyouraccountmaybeshowninyourcreditreport.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 correspondence about 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 marked “payment in full” or given with any other conditions or limitations.
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Unauthorized Use. Ifyourcardislost,stolenorusedwithoutyourconsent,callusimmediatelyat866-396-8254.Youwillnotbeliableforunauthorizeduseonyouraccount,butyouwillberesponsibleforallusebyanyoneyougiveyourcardtoorallowtouseyouraccount.
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 prior notice 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,totheextentstatelawapplies,thelawsofUtahwithoutregardtoitsconflictsoflawprinciples.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 WILL BE 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 TO PARTICIPATE 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,ouraffiliates,agentsand/
ordealers/merchants/retailersthatacceptthecardorprogramsponsorsifitrelatestoyouraccount,exceptasnotedbelow.
2.Wewillnotrequireyoutoarbitrate:(1)anyindividualcaseinsmallclaimscourtoryourstate’sequivalentcourt,solongasitremainsanindividualcaseinthatcourt;or(2)acasewefiletocollectmoneyyouoweus.However,ifyourespondtothecollectionlawsuitbyclaiminganywrongdoing,wemayrequireyoutoarbitrate.
3.Notwithstandinganyotherlanguageinthissection,onlyacourt,notanarbitrator,willdecidedisputesaboutthevalidity,enforceability,coverageorscopeofthissectionoranypartthereof(including,withoutlimitation,thenextparagraphofthissectionand/orthissentence).However,anydisputeorargumentthatconcernsthevalidityorenforceabilityoftheAgreementasawholeisforthearbitrator,notacourt,todecide.
• No Class Actions YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU
MAY 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,andthecourt’sdeterminationshallbesubjecttoappeal.Thisparagraphdoesnotapplytoanylawsuitoradministrativeproceedingfiledagainstusbyastateorfederalgovernmentagencyevenwhensuchagencyisseekingreliefonbehalfofaclassofborrowers,includingyou.Thismeansthatwewillnothavetherighttocompelarbitrationofanyclaimbroughtbysuchanagency.
• How to start an arbitration, and the arbitration process1. Thepartywhowantstoarbitratemustnotifytheotherpartyinwriting.Thisnoticecanbegivenafterthebeginningofalawsuitorinpapersfiledinthelawsuit.Otherwise,yournotice
mustbesenttoGECapitalRetailBank,LegalOperation,P.O.Box29110,ShawneeMission,KS66201,ATTN:ARBITRATIONDEMAND.Thepartyseekingarbitrationmustselectanarbitrationadministrator,whichcanbeeithertheAmericanArbitrationAssociation(AAA),1633Broadway,10thFloor,NewYork,NY10019,www.adr.org,(800)778-7879,orJAMS,620EighthAvenue,34thFloor,NewYork,NY10018,www.jamsadr.com,(800)352-5267.Ifneitheradministratorisableorwillingtohandlethedispute,thenthecourtwillapointanarbitrator.
2. Ifapartyfilesalawsuitincourtassertingclaim(s)thataresubjecttoarbitrationandtheotherpartyfilesamotionwiththecourttocompelarbitration,whichisgranted,itwillbetheresponsibilityofthepartyassertingtheclaim(s)tocommencethearbitrationproceeding.
3. Thearbitrationadministratorwillappointthearbitratorandwilltellthepartieswhattodonext.Thearbitratormustbealawyerwithatleasttenyearsoflegalexperience.Onceappointed,thearbitratormustapplythesamelawandlegalprinciples,consistentwiththeFAA,thatwouldapplyincourt,butmayusedifferentproceduralrules.Iftheadministrator’srulesconflictwiththisAgreement,thisAgreementwillcontrol.
4. Thearbitrationwilltakeplacebyphoneoratareasonablyconvenientlocation.Ifyouaskusto,wewillpayallthefeestheadministratororarbitratorcharges,aslongaswebelieveyouareactingingoodfaith.Wewillalwayspayarbitrationcosts,aswellasyourlegalfeesandcosts,totheextentyouprevailonclaimsyouassertagainstusinanarbitrationproceeding which you have commenced.
• Governing Law for Arbitration ThisArbitrationsectionofyourAgreementisgovernedbytheFederalArbitrationAct(FAA).UtahlawshallapplytotheextentstatelawisrelevantundertheFAA.Thearbitrator’sdecision
willbefinalandbinding,exceptforanyappealrightundertheFAA.Anycourtwithjurisdictionmayenterjudgmentuponthearbitrator’saward.
• 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 us
a notice within 60 days after you open your account or we first provided you with your right to reject this section. The notice must include your name, address and account number, 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.Noneoftheseprovisions,however,isvoid,unenforceableorinapplicableinNewJersey.
NEW YORK RESIDENTS:Aconsumercreditreportmaybeobtainedinconnectionwithevaluatingyourapplicationandsubsequentlyinconnectionwithupdates,renewals,orextensionsofcreditforwhichthisapplicationismade.Uponyourrequest,youwillbeinformedwhetherareportwasobtained,andifso,ofthenameandaddressoftheconsumerreportingagency.ThisAgreementwillnotbecomeeffectiveunlessanduntilyouoranauthorizedusersignsasalesslipormemorandumevidencingapurchaseorleaseofpropertyorservicesorthepaymentofafinebyuseofyourcreditcardandpriortheretoyouwillnotberesponsibleforanypurchaseorleaseofpropertyorservicesbyuseofyourcreditcardafteritslossortheft.
OHIO RESIDENTS:TheOhiolawsagainstdiscriminationrequirethatallcreditorsmakecreditequallyavailabletoallcreditworthycustomers,andthatcreditreportingagenciesmaintainseparatecredithistoriesoneachindividualuponrequest.TheOhiocivilrightscommissionadministerscompliancewiththislaw.
TENNESSEE RESIDENTS: ThisAgreementwillnotbecomeeffectiveunlessanduntilwehave(1)providedthedisclosuresrequiredpursuanttothefederalTruthinLendingAct,(2)youoranauthorizeduserusestheaccount,and(3)weextendcredittoyouforthattransactiononyouraccount.
WISCONSIN RESIDENTS: Noprovisionofamaritalpropertyagreement,aunilateralstatementundersec.766.59,Wis.Stats.,oracourtdecreeundersec.766.70,Wis.Stats.,adverselyaffects 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 adverse provisionwhentheobligationtothecreditorisincurred.Married residents of Wisconsin applying for an individual account must give us the name and address of their spouse if the 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 incorporated here 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 Statement If you think there is an error on your statement, write to us at: GE Capital Retail Bank 170ElectionRoad,Suite125,Draper,UT84020 In 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.
Afterwefinishourinvestigation,oneoftwothingswillhappen:• If we made a mistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount.• If we do not believe there was a mistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.Wewillsendyouastatementoftheamountyou
oweandthedatepaymentisdue.Wemaythenreportyouasdelinquentifyoudonotpaytheamountwethinkyouowe.Ifyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmustwritetouswithin10 daystellingusthatyoustillrefusetopay.Ifyoudoso,wecannotreportyouasdelinquentwithoutalsoreportingthatyouarequestioningyourbill.Wemusttellyouthenameofanyonetowhomwereportedyouasdelinquent,andwemustletthoseorganizationsknowwhenthematterhasbeensettledbetweenus. Ifwedonotfollowalloftherulesabove,youdonothavetopaythefirst$50oftheamountyouquestionevenifyourbilliscorrect.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
Ifyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchasedwithyourcreditcard,andyouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,youmayhave the right not to pay the remaining amount due on the purchase. Tousethisright,allofthefollowingmustbetrue: 1. Thepurchasemusthavebeenmadeinyourhomestateorwithin100milesofyourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$50.(Note:Neitherofthesearenecessaryifyourpurchasewasbasedonanadvertisementwemailedtoyou,orifweownthecompanythatsoldyouthegoodsorservices.) 2. Youmusthaveusedyourcreditcardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheckthataccessesyourcreditcardaccountdonotqualify. 3. You must not yet have fully paid for the purchase.Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase,contactusinwritingat: GE Capital Retail Bank P.O.Box965035,Orlando,FL32896-5035 Whileweinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.Afterwefinishourinvestigation,wewilltellyouourdecision.Atthatpoint,ifwethinkyouoweanamountandyoudonotpay,wemayreportyouasdelinquent.
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FACTS WHAT DOES GE CAPITAL RETAIL BANK DO WITH 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.
Allfinancialcompaniesneedtosharecustomers’personalinformationtoruntheireverydaybusiness.Inthesectionbelow,welistthereasonsfinancialcompaniescansharetheircustomers’personalinformation;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 Capital Retail Bank share?
Can you limit this sharing?
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Yes*
For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court ordersandlegalinvestigations,orreporttocreditbureaus
For our marketing purposes—to offer our products and services to you
For joint marketing with other financial companies
For our affiliates to market to you
For nonaffiliates to market to you
For our affiliates’ everyday business purposes—informationaboutyourtransactionsandexperiencesFor our affiliates’ everyday business purposes—informationaboutyourcreditworthiness
Questions?
To limit our sharing
Call877-905-2097
• Call877-905-2097—ourmenuwillpromptyouthroughyourchoice(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?
*Please keep inmind that, as permitted by federal law,we share information about youwith dealers/merchants/retailers/contractors that acceptthe card and program sponsors in connection with maintaining and servicing the GE Capital Retail Bank credit card program, including for dealers/merchants/retailers/contractorsthatacceptthecardandprogramsponsorstomarkettoyou.Ifyouoptoutofsharingwithnonaffiliates,youroptoutwillnotprohibitusfromsharingyourinformationwithdealers/merchants/retailers/contractorsthatacceptthecardandprogramsponsors.
TheabovenoticeappliesonlytotheconsumercreditcardaccountcoveredbytheattachedGECapitalRetailBankCreditCardAccountAgreementand 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 policy atanytimeandwillletyouknowifwedoif/asrequiredbyapplicablelaw.
Forhelpfulinformationaboutidentitytheft,visittheFederalTradeCommission’s(FTC)consumerwebsiteathttp://www.ftc.gov/idtheft.
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