2 % PLUS. CASH BACK Accepted At Over 4 Million Locations Where You See. Apply Today! MEMBERS. One Card Convenience Serves As Your Membership Card

Transcription

1 SAM S CLUB DISCOVER ADVANTAGE PLUS MEMBERS EarnUpTo 2 % CASH BACK Accepted At Over 4 Million Locations Where You See Apply Today! One Card Convenience Serves As Your Membership Card AND No Annual Credit Card Fee Accepted At Over 4 Million Locations Where You See # /05

2 EARN CASH BACK At Over 4 Million Locations Where You See SAM S CLUB DISCOVER lets you earn up to 2% Cash Back on every purchase. * VALUE Earn Up To 2% Cash Back On Every Purchase You Make At SAM S CLUB AND Everywhere Discover Network Cards Are Accepted SAM S CLUB Advantage Plus SM Members earn up to 2%, and SAM S CLUB Advantage Members earn up to 1%. IN-CLUB Financing Promotions Every Day No Annual Credit Card Fee Variable APR As Low As 10.87% ** CONVENIENCE Accepted At Over 4 Million Locations Where you see the Discover Network sign. Cash Advances From Any ATM That Displays The Discover Network Sign* One-Card Convenience Serves as your Membership card. IN-CLUB Cash Access Choose $20, $40, or $60 added to your SAM S CLUB purchase with no additional fees.* Online Access To View And Pay Your Account At samsclubdiscover.com SECURITY Zero Fraud Liability If your card is lost or stolen, you will not be responsible for unauthorized purchases. Protected With Your Photo NOT A SAM S CLUB PLUS SM MEMBER YET? Upgrade To A SAM S CLUB Plus SM Membership And Get These Exclusive Features: Earn Up To 2% Cash Back With A SAM S CLUB DISCOVER *** Complimentary Access To SAM'S CLUB HealthAllies Health Discount Program A $105 Value Save Over $250 On Other Member Services Check the box on the attached application to upgrade today! Apply today at the Member Services Desk! *See attached terms for details. **As of 10/1/05. See attached terms for details. ***Subject to credit approval.

3 SAM S CLUB Credit Application Please Print. Please use black ink. Please complete entire application. Omitting required information will delay processing. Upgrade my Membership to Plus, so I can take advantage of up to 2% cash back. 1. APPLICANT: Please tell us about yourself. SAM S CLUB Membership Number Last Name* First Name Initial Home Address (Street Name and Number Required) City State ZIP Home Phone Business Phone Cell / Other Phone Where We May Call You Date of Birth (MM/DD/YYYY) Social Security # Address** Own Passcode Requested - - Rent *CARD NAME WILL BE LIMITED TO 26 CHARACTERS **BY PROVIDING MY ADDRESS, I CONSENT TO RECEIVE COMMUNICATIONS ABOUT MY ACCOUNT AND AUTHORIZE YOU TO PROVIDE MY ADDRESS TO SAM S CLUB SO I CAN RECEIVE SPECIAL OFFERS AND UPDATES. GE Money Bank will first consider you for a SAM S CLUB DISCOVER. If you do not qualify for a SAM S CLUB DISCOVER, you will be considered for a SAM S CLUB Personal Credit Card. I do not want to be considered for a SAM S CLUB DISCOVER which allows me to earn up to 2% Cash Back. Consider me only for the SAM S CLUB Personal Credit Card only. 2. AUTHORIZED BUYER: (Authorized Buyer MUST be active on membership) An additional card will be issued to the person indicated below. The primary cardholder will be liable for all purchases made on the account, including those made by any authorized user. Last Name First Name Initial Spouse Other 3. APPLICANT: We need your signature below. I understand that if I qualify for credit, you may assign me interest rates depending upon my creditworthiness as determined by you. I am providing this information both to you and to SAM S CLUB. I also authorize and direct you to furnish information about me and my Account (including whether this application is approved or declined) to create and update their customer records for me, to assist them in serving me, and to provide me with notices of special offers. I have read and agree to the Key Credit Terms and the additional disclosures that are attached. I agree that my annual SAM S CLUB Membership fees will be automatically billed to my Account and my acceptance of this Account constitutes my agreement to such billing. Federal law requires us to obtain, verify, and record information that identifies you when you open an account. We will use your name, address, date of birth, and other information for this purpose. Applicant s Signature Date WISCONSIN RESIDENTS: We are required to ask married residents of Wisconsin applying for an individual account to give us the name and address of their spouse, regardless of whether the spouse may use the card. Please provide that information below. Name of Spouse Address of Spouse PROTECT YOUR ACCOUNT WITH ACCOUNT SECURITY (OPTIONAL): By enrolling in optional Account Security, my SAM S CLUB DISCOVER or SAM S CLUB Credit Card account balance will be paid in full (up to $10,000) in the event of a qualifying disability, unemployment, approved leave of absence, hospitalization, nursing home care, or if I lose my life. By signing to purchase Account Security, I acknowledge that I do not need to purchase Account Security to get credit. I have received and read the disclosures that are set forth in the Account Security Summary of Terms attached. I agree that you may bill my Account a fee each month of $1.50 per $100 of the average daily balance of my Account as provided in the terms of the Account Security agreement. I may cancel at any time. YES I would like to purchase Account Security Sign Here to Enroll X Date Account Security is not available for residents of Alabama and Mississippi. Club Associates who solicit applications for Account Security must read the following disclosure to the customer: Account Security is optional and your decision whether to purchase it will not affect your application or the terms of any existing credit agreement you have with us. You will get the complete terms of the Account Security program in the mail before your first payment for Account Security is due. Carefully read the detailed information for an explanation of the terms, eligibility requirements, conditions and exclusions that could prevent you from receiving Account Security benefits. FOR CLUB USE ONLY Credit Line Date Cards Issued Product Code Application Code Photo ID Type Driver s License State ID/Matrícula Consular State ID # Expiration/Issue Date PLEASE RETURN TO THE NEAREST SAM S CLUB. DO NOT MAIL. CG9A (3/05) 5326-CON-DUAL REV 10/05 [70912] 5326

4 THE KEY CREDIT TERMS SAM S CLUB DISCOVER Annual Percentage Rate (APR) for Purchases Account Type 1: Account Type 2: Account Type 3: 10.87% 16.87% 19.87% Other APRs Delinquency Rate:* 25.87% Cash APR: Account Type 1: Account Type 2: Account Type 3: 13.87% 19.87% 22.87% Variable Rate Information The Annual Percentage Rate for Purchases may vary and will equal the prime rate plus (i) 4.12%, but not less than 9.87% for Account Type 1; (ii) 10.12%, but not less than 15.87% for Account Type 2; or (iii) 13.12%, but not less than % for Account Type 3. The Annual Percentage Rate for Cash Advances may vary and will equal (A) the prime rate plus 7.12%, but not less than 12.87% for Account Type 1, (B) the prime rate plus 13.12%, but not less than 18.87% for Account Type 2, or (C) the prime rate plus 16.12%, but not less than 21.87% for Account Type 3. The Delinquency Rate may vary and will equal the prime rate plus 19.12%, but not less than 24.99%. The prime rate for a billing period is the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on any business day of the three calendar months preceding the first day of the billing period. Grace Period for the Repayment of the Balance for Purchases 25 days if no previous balance or full payment is made; otherwise none. Method of Computing the Balance for Purchases Average Daily Balance (Including New Purchases) Minimum Finance Charge $1.00 Transaction Fee for Cash Advances The greater of $5.00 or 3.0% of the amount of the Cash Advance. Transaction Fee for Convenience Checks or Balance Transfers The greater of $5.00 or 3% of the amount of the Convenience Check or Balance Transfer, but no more than $ Late Payment Fee: $15 for a Balance of $35.01 $49.99; $20 for a Balance of $50 $99.99; $25 for a Balance of $100 $299.99; $29 for a Balance of $300 or more; and $0 for a Balance of $35 or under. (Balance means Previous Balance on Statement that shows the Late Fee.) Returned Check Fee: $25; Overlimit Fee: $25 *The Delinquency Rate will apply if you fail to make a minimum payment to us when due, you exceed any credit limit, or you make a payment to us that is not honored by your bank. Once in effect, if you are not late with any minimum payment and do not exceed any credit limit for six consecutive billing periods, the rate for purchases will be the prime rate plus 13.12%, but not less than 18.87% and the rate for cash advances will be the prime rate plus 16.12%, but not less than 21.87%. To find out what may have changed on your SAM S CLUB DISCOVER, write to: P.O. Box , El Paso, TX ; to find out what may have changed on your SAM S CLUB credit card, write to: P. O. Box , El Paso, TX The information about the costs of the card described above is accurate as of billing periods beginning after October 1, This information may have changed after that date. The terms of the Agreement may be changed by us as provided in the Agreement.

5 Annual Percentage Rate (APR) for Purchases Premier Accounts: Delinquency Rate:* THE KEY CREDIT TERMS SAM S CLUB CREDIT CARD Standard Accounts: 11.62% 21.65% Other APRs 24.90% (fixed) Variable Rate Information The Annual Percentage Rate for Purchases may vary and will equal: SAM S CLUB Premier Accounts: The prime rate plus 4.87%, but in no event less than 9.87%. SAM S CLUB Standard Accounts: The prime rate plus 14.90%, but in no event less than 19.90%. The prime rate is the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section ( prime rate ) on the last business day of the calendar month preceding the first day of the billing period. Grace Period for the Repayment of the Balance for Purchases 26 days, if there is no previous balance or the balance is fully paid. Otherwise, none. Method of Computing the Balance for Purchases Average Daily Balance (including New Purchases) Minimum Finance Charge $1.00 Transaction Fee for Cash Advances Not Applicable Transaction Fee for Convenience Checks or Balance Transfers Not Applicable Late Payment Fee: $15 for a Balance of $35.01 $49.99; $20 for a Balance of $50 $99.99; $25 for a Balance of $100 $299.99; $29 for a Balance of $300 or more; and $0 for a Balance of $35 or under. (Balance means Previous Balance on Statement that shows the Late Fee.) Returned Check Fee: $25 *The Delinquency Rate will apply if you fail to make your required Minimum Payment by the Payment Due Date two times in any six consecutive billing periods. Once in effect, if you are not late with any required Minimum Payment for six consecutive billing periods, the rate will return to the variable rate applicable to your Account before the Delinquency Rate was imposed. Please issue me a credit card. I authorize you to make inquiries you consider necessary (including requesting reports from consumer reporting agencies and other sources) in evaluating my application, and subsequently, for purposes of reviewing, maintaining or collecting my Account. I also understand that the credit card agreement delivered with my credit card ( Agreement ) will govern my Account, the terms of which are hereby incorporated by reference into and made a part of this application and that THE AGREEMENT S TERMS INCLUDE AN ARBITRATION PROVISION WHICH MAY SUBSTANTIALLY LIMIT MY RIGHTS. My signature on this application represents my signature on the Agreement. I acknowledge that if I am approved for a SAM S CLUB DISCOVER or a SAM S CLUB credit card under the Agreement, I grant you a security interest in the goods purchased on the Account, as permitted by law. The Agreement will be deemed to have been made in Utah. YOU MAY REQUEST THE CODE OF PROCEDURE, RULES AND FORMS OF THE ARBITRATION ADMINISTRATOR SELECTED, BY CALLING THE TOLL-FREE NUMBERS LISTED IN THE AGREEMENT. CG9A (3/05) 5326-CON-DUAL REV 10/05 [70912]

6 WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral statement under Sec , Wis. Stats., or a court decree under Sec , Wis. Stats., adversely affects 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 provision when the obligation to the creditor is incurred. SAM S CLUB DISCOVER SAM S CLUB PERSONAL ACCOUNT ACCOUNT TYPE ACCOUNT TYPE Credit Limit Credit Limit $ $ Current Variable Purchase APR* Current Variable Purchase APR*. %. % Current Purchase Periodic Rate* Current Purchase Periodic Rate*. %. % Current Variable Cash APR*. % Current Cash Periodic Rate*. % Current Variable Delinquency APR*. % Current Delinquency Periodic Rate*. % *May vary as provided in your Agreement HOW TO EARN CASH BACK SAM S CLUB DISCOVER Subject to the Terms set forth below, SAM S CLUB cardholders are eligible to receive a rebate on purchases made with the SAM S CLUB DISCOVER. Not available on SAM S CLUB credit card. 1. Determination of Cash Rebate Percentage. The amount of your Year-to-Date Purchases will be used to determine the percentage of each Purchase eligible for rebate. The greater the amount of Year-to-Date Purchases, the higher the rebate percentage. However, Year-to-Date Purchases over $1,000,000 will not be eligible for a rebate. SAM S CLUB Advantage Plus members will earn a higher rebate percentage than Advantage members and non-members. 2. Rebate Tiers. The percentage of each Purchase eligible for rebate is as follows: SAM S CLUB ADVANTAGE PLUS MEMBERS Amount of Year-to-Date Purchases Percentage of Purchase (Including the current Purchase) Eligible for Rebate Up to $1, % $1, $3, % $3, $5, % $5, $10, % $10, $1,000, % SAM S CLUB ADVANTAGE MEMBERS AND NON-MEMBERS Amount of Year-to-Date Purchases Percentage of Purchase (Including the current Purchase) Eligible for Rebate Up to $1, % $1, $3, % $3, $1,000, % If a Purchase causes Year-to-Date Purchases to span multiple rebate tiers, the applicable rebate percentage for each spanned tier will apply to that portion of the Purchase falling within such tier. For example, if a Cardholder who is a SAM S CLUB Advantage member already has Year-to-Date Purchases totaling $2,000, makes an additional $2,000 Purchase, $1,000 of that additional purchase would be eligible for a 0.50% rebate and the remaining $1,000 would be eligible for a 1.00% rebate. 3. Issuance of Rebate Checks. After each Purchase, a Cardholder will accrue a potential rebate based on the applicable percentage. Unless the Cardholder s account is delinquent, rebate checks will be issued each February for the rebate accrued during the previous Card Year. No rebate checks will be issued for amounts less than $1.00. Rebate checks may be cashed only at a SAM S CLUB. Cardholders who are not mem- bers of SAM S CLUB may cash their rebate checks by obtaining a one-day pass at SAM S CLUB. 4. Other Conditions. A Cardholder will forfeit all accrued, unpaid rebates if the Cardholder s account is closed for any reason (other than as a result of a lost or stolen card, in which case all accrued rebates will be applied to the replacement card). Rebate checks expire on the expiration date printed on the front of the checks. These Terms may be changed or discontinued at any time without notice. Changes may include, among other things, modifying the amount of Purchases required to qualify for the various potential rebate tiers, changing the rebate percentages, imposing additional restrictions, or terminating the program. 5. Definitions As used herein, the following terms will have the following meanings: Card means the SAM S CLUB DISCOVER. Cardholders means the person to whom the Card was issued. Card Year means a calendar year. Purchase means a purchase of merchandise or services using the SAM S CLUB DISCOVER. Purchase does not include any other type of Card transaction, including cash advances, Quick Cash, convenience checks or balance transfers. Terms means these terms for how to earn cash back. Year-to-Date Purchases means the amount, at the time each Purchase is made, of net Card purchases (total Card purchases minus returns and adjustments) made during the Card Year. At the beginning of each Card Year, the amount of Year-to-Date Purchases will be reset to zero. INITIAL DISCLOSURE STATEMENT FOR BOTH THE SAM S CLUB DISCOVER AND THE SAM S CLUB CREDIT CARD The following are initial disclosure statements. If you are approved for a SAM S CLUB DISCOVER or a SAM S CLUB Credit Card, a complete credit card agreement ( Agreement ) governing your SAM S CLUB DISCOVER or SAM S CLUB Credit Card ( Account ) will be sent to you. The SAM S CLUB DISCOVER and SAM S CLUB Credit Card, are issued by GE Money Bank ( Bank ). In these disclosure statements, we, us, and our refer to the Bank; you and your refers to all persons who we approve to use the Account; and Card refers to your SAM S CLUB DISCOVER or SAM S CLUB Credit Card. You may use your SAM S CLUB DISCOVER or SAM S CLUB Credit Card to purchase goods or services ("Purchases") or to obtain cash loans ("Quick Cash Advances") at participating SAM S CLUB owned registers in SAM S CLUB clubs. Each Quick Cash Advance must be in the amount of $20, $40, or $60 and may only be obtained if you are making an approved Purchase with your Card. No more than one Quick Cash Advance may be obtained on your Account each day. Except as otherwise expressly provided in the SAM S CLUB Credit Card Agreement or any applicable offer, a Quick Cash Advance made with your SAM S CLUB Credit Card will be treated as a purchase for the purpose of calculating the Minimum Payments on your Account and the amount of Finance Charge on your Account, including determining the balance subject to Finance Charge and when Finance Charges begin to accrue. You may also use your SAM S CLUB DISCOVER to obtain cash loans at any institution that accepts the SAM S CLUB DISCOVER including any Automated Teller Machines ( Cash Advances ). We may, from time to time, allow you to transfer balances from other credit card accounts to your SAM S CLUB DISCOVER ( Balance Transfer ), or to access credit on the Account by writing a convenience check ( Convenience Checks ). The following transactions are treated as Cash Advances for the SAM S CLUB DISCOVER : Convenience Checks, drafts, money orders, cashier s checks, traveler s checks, electronic or wire transfers, foreign currency or other in-bank transactions, tax payments, lottery tickets or other legalized gambling transactions, court costs, bail bonds, person-to-person payments, fines, and other cash-like transactions. Except as otherwise expressly provided in the Agreement for SAM S CLUB DISCOVER or any applicable offer, a Balance Transfer will be treated as a Purchase. DISCLOSURES FOR THE SAM S CLUB DISCOVER PERIODIC FINANCE CHARGES. We calculate the periodic Finance Charge separately for Purchases, Cash Advances, Quick Cash Advances and Special Payment Plans. A. The periodic Finance Charge for a billing period is calculated by applying the applicable daily periodic rate ( Periodic Rate ) to the Account balance subject to periodic Finance Charges for each day in the billing period, and adding together all of those daily Finance Charge amounts.

7 A minimum FINANCE CHARGE of $1.00 will be imposed for each billing period in which your Account is subject to a periodic Finance Charge. B. The Periodic Rate for your Purchase balance and Quick Cash Advance balance is the purchase standard rate ( Purchase Standard Rate ), unless the Delinquency Rate applies as described below. The Purchase Standard Rate for a billing period is either: (A) the greater of: (i) the Prime Rate plus 4.12%, times 1/365; or (ii).02705% (APR 9.87%). As of October 1, 2005, the Purchase Standard Rate under this formula was.02979% (APR 10.87%) for Account Type 1; or (B) the greater of: (i) the Prime Rate plus 10.12%, times 1/365; or (ii).04348% (APR 15.87%). As of October 1, 2005, the Purchase Standard Rate under this formula was.04622% (APR 16.87%) for Account Type 2; or (C) the greater of: (i) the Prime Rate plus 13.12%, times 1/365; or (ii).05170% (APR 18.87%). As of October 1, 2005, the Purchase Standard Rate under this formula was.05444% (APR 19.87%) for Account Type 3. The prime rate for a billing period is the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on any business day of the three calendar months preceding the first day of the billing period ( Prime Rate ). C. The Periodic Rate for your Cash Advance balance is the cash standard rate ( Cash Standard Rate ), unless the Delinquency Rate applies as described below. Except as provided below, the Cash Standard Rate for a billing period is either: (A) the greater of: (i) the Prime Rate plus 7.12%, times 1/365; or (ii).03526% (APR 12.87%). As of October 1, 2005, the Cash Standard Rate under this formula was.03800% (APR 13.87%) for Account Type 1; or (B) the greater of: (i) the Prime Rate plus 13.12, times 1/365; or (ii).05170% (APR 18.87%). As of October 1, 2005, the Cash Standard Rate under this formula was.05444% (APR 19.87%) for Account type 2; or (C) the greater of: (i) the Prime Rate plus 16.12%, times 1/365; or (ii).05992% (APR 21.87%). As of October 1, 2005, the Cash Standard Rate under this formula was.06266% (APR 22.87%) for Account Type 3. D. The Periodic Rate for all Account balances will be increased if you fail to make a minimum payment to us when due, you exceed your Credit Limit or Cash Advance Limit, or you make a payment to us that is not honored by your bank. In such circumstances, we will increase your Periodic Rates (including any promotional rates) on all Account balances to a delinquency rate ( Delinquency Rate ) equal to the greater of: (i) the Prime Rate plus 19.12%, times 1/365; or (ii).06847% (APR 24.99%). Based on a Prime Rate of 6.75% as of October 1, the Delinquency Rate was.07088% (APR 25.87%). The Delinquency Rate that will apply will take effect as of the first day of the next billing period. Once the Delinquency Rate applies, if you make any required Total Minimum Payment by the Payment Due Date in six consecutive billing periods and do not exceed your Credit Limit or Cash Advance Limit during such six month period, effective on the first day of the next billing period, we will apply a Purchase Standard Rate to your Purchase balances and Quick Cash Advance balances equal to the greater of: (i) the Prime Rate plus 13.12%, times 1/365; or (ii).05170% (APR 18.87%) and a Cash Standard Rate to your Cash Advance balances equal to the greater of: (i) the Prime Rate plus 16.12%, times 1/365; or (ii).05992% (APR 21.87%). Based on a Prime Rate of 6.75% as of October 1, 2005, the Purchase Standard Rate under this formula was.05444% (APR 19.87%) and the Cash Standard Rate under this formula was.06266% (APR 22.87%). E. The Periodic Rate and corresponding APRs may vary. If the Prime Rate increases, the Periodic Rates and corresponding APRs may increase, and as a result the periodic Finance Charge, Total Minimum Payment, and number of payments also may increase. Any change in the Periodic Rates will apply to your entire Account balance (unless otherwise specified in any applicable promotional offer that provides for different terms for that promotion). A change in the Prime Rate will take effect on the first day of the billing period after the change. We may select a new interest rate index if the Prime Rate is not available. BALANCE SUBJECT TO PERIODIC FINANCE CHARGE. The balance subject to a periodic Finance Charge is calculated separately for Purchases, Cash Advances, Quick Cash Advances and Special Payment Plans. A. The Purchase balance subject to a periodic Finance Charge is the Purchase Daily Balance of the Account. However, Purchases are not included in the Purchase balance subject to a periodic Finance Charge for a billing period if there is no previous balance on your Account at the beginning of the billing period ( Previous Balance ), or the sum of your payments and credits on your Account received during the billing period is at least equal to the Previous Balance. B. To determine the Purchase balance subject to a periodic Finance Charge, we take the prior day s Purchase balance of your Account, which includes any unpaid periodic Finance Charge on your Purchase balance and add any new Purchases, including any Balance Transfers and other debits charged to your Account that day, and subtract any payments and other credits applied to your Purchase balance that day. Each day we also add any periodic Finance Charges on your Purchase balance and other Finance Charges and fees (other than Transaction Fees for Cash Advances), including any debt cancellation fees, assessed that day on your Account. This gives us the Purchase Daily Balance of the Account. Any Purchase Daily Balance of less than zero will be treated as zero. C. The Cash Advance balance subject to a periodic Finance Charge is the Cash Advance Daily Balance of the Account. To determine the Cash Advance balance subject to a periodic Finance Charge, we take the prior day s Cash Advance Balance of your Account, which includes any unpaid periodic Finance Charges on your Cash Advance Balance, and add any new Cash Advances, Transaction Fees for Cash Advances and periodic Finance Charges on your Cash Advance Balance for that day and subtract any payments and other credits applied to your Cash Advance Balance that day. This gives us the Cash Advance Daily Balance of the Account. Any Cash Advance Daily Balance of less than zero will be treated as zero. D. The Quick Cash Advance balance subject to a periodic Finance Charge is the Quick Cash Advance Daily Balance of the Account. However, Quick Cash Advances are not included in the Quick Cash Advance balance subject to a periodic Finance Charge for a billing period if there is no Previous Balance on your Account at the beginning of the billing period, or the sum of your payments and credits on your Account received during the billing period is at least equal to the Previous Balance. To determine the Quick Cash Advance balance subject to a periodic Finance Charge, we take the prior day s Quick Cash Advance balance of your Account, which includes any unpaid periodic Finance Charge on your Quick Cash Advance balance and add any new Quick Cash Advance charged to your Account that day, and subtract any payments and other credits applied to your Quick Cash Advance balance that day. Each day we also add any periodic Finance Charges on your Quick Cash Advance balance. This gives us the Quick Cash Advance Daily Balance of the Account. Any Quick Cash Advance Daily Balance of less than zero will be treated as zero. WHEN PERIODIC FINANCE CHARGES BEGIN TO ACCRUE. A. Purchases and Quick Cash Advances. If there is a Previous Balance on your statement, Purchases, Quick Cash Advances and other related charges will begin to accrue periodic Finance Charges on the later of the transaction date or the first day of the billing period in which the Purchase and/or Quick Cash Advance is posted to your Account. However, if there is no Previous Balance shown on your Account, or if the sum of all payments and credits posted to your Account by the Payment Due Date is at least equal to the New Balance on your statement, Purchase Balances and Quick Cash Advances will not incur any Finance Charges on the next billing statement. To avoid periodic Finance Charges on Purchases and Quick Cash Advances on your next statement, you must pay your entire New Balance by the payment due date shown on your statement. B. Cash Advances. Cash Advances, Transaction Fees for Cash Advances and other related charges will accrue a periodic Finance Charge from the later of the transaction date or the first day of the billing period in which the Cash Advance is posted to your Account. There is no period within which you can avoid Finance Charges on Cash Advances. PAYMENTS. A. You must pay at least the Total Minimum Payment by 5:00 p.m. on the Payment Due Date shown on the Statement. You may pay more than the Total Minimum Payment at any time. Your Total Minimum Payment will be the sum of: (a) the greater of (i) $15.00, or (ii) 2.5% of the new balance ( New Balance ) shown on your statement, or (iii) the sum of the Finance Charges, the late fee, the overlimit fee imposed during the current billing period, and 1.0% of your New Balance; plus (b) any past due amounts and any amount by which the New Balance exceeds your Credit Limit. The Total Minimum Payment will be rounded up to the next whole dollar. However, the Total Minimum Payment is the New Balance if the New Balance is less than $ B. We reserve the right to select the method by which payments and credits are allocated to your Account in our sole discretion. The payment allocation method that we use may result in higher Finance Charges on your Account, depending on the types of

8 transactions you make (such as promotional or non-promotional purchases), and the timing and amount of your payments. From time to time we may offer you the following types of Special Payment Plans: (1) reduced APR promotions that apply to Purchases and/or Cash Advances made anywhere you use your Account ( World-Wide Promotions ); and (2) promotions that apply solely to Purchases made at a SAM S CLUB club ( SAM S CLUB Promotions ). SAM S CLUB Promotions may include deferred interest promotions where interest accrues during the promotional period but is not added to your Account balance if the promotional balance is paid in full by the expiration date of the promotion ( SAM S CLUB Deferred Interest Promotions ). Unless we notify you otherwise, your payments will be allocated in the following order: 1. Finance charges and fees 2. World-Wide Promotions, in order of lowest to highest APR 3. All Balances not subject to any promotion, in order of lowest to highest APR 4. SAM S CLUB Store Promotions (except as noted below) If you have a SAM S CLUB Deferred Interest Promotion, in the month in which that promotion is to expire, payments equal to or greater than the SAM S CLUB Deferred Interest Promotion balance will be allocated to that balance before payments are allocated to finance charges and fees. Because we allocate payments to lower APR balances first for both World-Wide Promotions and balances not subject to any promotion, your Account will incur higher Finance Charges than if we had allocated to higher APR balances first. In addition, if you have a balance that has a higher APR than any World Wide Promotion balance you may have, you will not receive the full benefit of the reduced APR of the World Wide Promotion. If you have any questions about the allocation of your payment, please call the customer service phone number located on your billing statement. ADDITIONAL FEES. You agree to pay the following fees: A. A Late Payment Fee, if we have not received your Total Minimum Payment by the Payment Due Date shown on your Statement. The amount of the Late Payment Fee will be based on your New Balance at the time your delinquent Total Minimum Payment was calculated. The Late Payment Fee will be $0 for a New Balance of $35 or less; $15.00 for a New Balance of $35.01 to $49.99; $20.00 for a New Balance of $50.00 to $99.99; $25.00 for a New Balance of $ to $299.99; and $29.00 for a New Balance of $ or more. B. An Overlimit Fee of $25.00 for each billing period in which your New Balance as shown on your Statement exceeds your Credit Limit. We may assess an Overlimit Fee even if we authorize the transactions on your Account that caused you to exceed your Credit Limit, or if you exceed your Credit Limit as a result of unpaid Finance Charges or other fees. C. A Returned Check Fee of $25.00 if any check or other instrument sent to us, or any electronic payment authorization you provide us for payment on your Account, is not honored upon first presentment even if the check, instrument, or electronic payment authorization is later honored. D. A Transaction Fee for each Cash Advance that posts to your Account will be charged. This fee will be a FINANCE CHARGE equal to the greater of $5.00 or 3% of the amount of the Cash Advance. For Automated Teller Machine ( ATM ) Cash Advances, the amount of the Cash Advance may include a surcharge that the ATM owner imposes. E. A Transaction Fee for each Convenience Check or Balance Transfer that posts to your Account will be charged. This fee will be a FINANCE CHARGE equal to the greater of $5.00 or 3% of the amount of the Convenience Check or Balance Transfer, but no more than $ TRANSACTION MADE IN FOREIGN CURRENCY. If a transaction is made in a foreign currency, the DISCOVER Network will convert the transaction into a U.S. dollar amount in accordance with its operating regulations and conversion procedures in effect at the time the transaction is processed. Currently these regulations and procedures (which are subject to change by the DISCOVER Network) provide that the currency conversion rate DISCOVER Network uses is no greater than the highest (1) interbank conversion rate identified by DISCOVER Network on the processing date; or (2) government-mandated rate, in effect on the processing date or the previous business day. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. DISCLOSURES FOR THE SAM S CLUB CREDIT CARD TYPES OF ACCOUNTS. SAM S CLUB Premier Account and the SAM S CLUB Standard Account. You will be advised which type of Account you qualify for. The applicable Finance Charge rate ( Rate ) for each type of Account is set out below. The other terms and conditions contained in this Agreement will apply to all types of Accounts. FINANCE CHARGES. A. The Finance Charge for a billing period is calculated by applying the applicable periodic rate ( Periodic Rate ) to the Account balance subject to Finance Charges for each day in the billing period, and adding together all of those daily Finance Charge amounts. There is a minimum FINANCE CHARGE of $1.00 for a billing period in which a Finance Charge is assessed. B. The Periodic Rate for your Account is the Regular Rate, unless the Delinquency Rate applies as described below. The Regular Rate for SAM S CLUB Premier Accounts for a billing period is the greater of: (i) the Prime Rate plus 4.87%, times 1/365; or (ii).02705% (APR 9.87%). The Regular Rate for SAM S CLUB Standard Accounts for a billing period is the greater of: (i) the Prime Rate plus 14.90%, times 1/365; or (ii).05453% (APR 19.90%). The prime rate for a billing period is the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on the last business day of the calendar month preceding the first day of the billing period. Based on a Prime Rate of 6.75% as of October 1, 2005, the Regular Rate for SAM S CLUB Premier Accounts was.03184% (APR 11.62%) and the Regular Rate for SAM S CLUB Standard Accounts was.05932% (APR 21.65%). C. When the Regular Rate applies, the Periodic Rate and corresponding Annual Percentage Rate may vary. If the Prime Rate increases, the Periodic Rate and corresponding Annual Percentage Rate may increase, and as a result the Finance Charge, Minimum Payment and number of payments also may increase. Any change in the Regular Rate will apply to your entire Account balance. We may select a new interest rate index if the Prime Rate is not available. D. If you do not make your required Minimum Payment by the Payment Due Date two times in any six consecutive billing periods, the Delinquency Rate (rather than the Regular Rate) may be applied to all existing balances on your Account and all new transactions beginning with the first day of the billing period that begins after the Payment Due Date for the second Minimum Payment that was not made on time. The Delinquency Rate for both Account types is a fixed rate of.06822% (ANNUAL PERCENTAGE RATE 24.90%). Once the Delinquency Rate applies, if you make any required Minimum Payment by the Payment Due Date in six consecutive billing periods, the Regular Rate (rather than the Delinquency Rate) will apply to all existing balances on your Account and all new transactions beginning with the first day of the billing period that begins after the Payment Due Date for the sixth consecutive billing period for which you made the required Minimum Payment. BALANCE SUBJECT TO FINANCE CHARGE. A. The balance subject to Finance Charge is the Daily Balance of the Account. However, there is no balance subject to Finance Charge for a billing period if there is no Previous Balance on your Account for that billing period or the sum of your payments and credits on your Account during the billing period is at least equal to the Previous Balance. B. To determine the Account balance subject to Finance Charge, we take the beginning balance of your Account each day, which includes any unpaid Finance Charges, and add any new Purchases and other debits for that day and subtract any payments and other credits applied that day. Each day, we also add any Finance Charges assessed that day. Late Payment Fees, Returned Check Fees, credit insurance premiums and debt cancellation fees are not included. This gives us the Daily Balance of the Account. However, any Daily Balance less than zero will be treated as zero. WHEN FINANCE CHARGES BEGIN TO ACCRUE. If there is no Previous Balance for the billing period or the sum of your payments and credits for the billing period is at least equal to the Previous Balance, new Purchases

9 and other charges in that billing period will begin to accrue a Finance Charge as of the first day of the next billing period if a Finance Charge is imposed in the next billing period. If there is a Previous Balance for the billing period, including any balance of Purchases made under any Special Payment Plan, and the sum of your payments and credits for a billing period is not at least equal to that Previous Balance, new Purchases and other charges will begin to accrue a Finance Charge from the later of the date of the transaction or the first day of the billing period in which the transaction is posted to your Account. PAYMENTS. You must pay at least the Minimum Payment on your billing statement by the Payment Due Date shown on the billing statement. Your Minimum Payment will be the amount shown in the following table, rounded to the next highest dollar: New Balance Minimum Payment $0 through $ The greater of $15 or 1/20 of the New Balance $500 through $ /24 of the New Balance $1,000 through $1, /30 of the New Balance $2,000 and greater 1/36 of the New Balance In addition, your Minimum Payment will also include any past due amounts. When the New Balance is less than $15, you must pay us the New Balance. We reserve the right to select the method by which payments and credits are allocated to your Account in our sole discretion. The payment allocation method that we use may result in higher amounts of Finance Charges on your Account, depending on the types of transactions you make (such as promotional or non-promotional purchases), and the timing and amount of your payments. If you have any questions about the allocation of your payment or would prefer to choose a different payment allocation option we offer, please call customer service at FEES. You agree to pay the following fees. A. A Late Payment Fee, if we have not received your Minimum Payment by the Payment Due Date shown on your Statement. The amount of the Late Payment Fee will be based on your New Balance at the time your delinquent Minimum Payment was calculated. The Late Payment Fee will be $0 for a New Balance of $35 and under; $15 for a New Balance of $35.01 to $49.99; $20 for a New Balance of $50.00 to $99.99; $25 for a New Balance of $ to $299.99; and $29 for a Balance of $ or more. B. A Returned Check Fee of $25 if any check or other instrument sent to us, or any electronic payment authorization you provide us in payment on your Account, is not honored upon first presentment, even if the check, instrument or electronic authorization is later honored. SECURITY INTEREST. You grant us a purchase money security interest in each item of merchandise purchased on your Account to secure its unpaid purchase price until such merchandise is paid in full. Solely for the purpose of determining the extent of our purchase money security interest in each such item of merchandise, your payments will be allocated first to Finance Charges on the Account, and then to pay off each Purchase on the Account in the order in which the Purchase was made (if more than one item was purchased on the same day, your payments will be allocated to pay off the lowest priced item first). If you made a Purchase pursuant to a credit promotion, the balance with respect to the promotional Purchase may be shown on Statements during the promotional period and may reflect a different payment allocation method. In no event will we assert a security interest in the promotional Purchase for an amount greater than the lowest balance shown on a Statement for that promotional Purchase. We agree that no security interest is or will be retained or acquired under this Agreement in any real property which is used or is expected to be used as your dwelling. INITIAL DISCLOSURES FOR BOTH THE SAM S CLUB DISCOVER AND THE SAM S CLUB CREDIT CARD CHANGE IN TERMS. We may, at any time and subject to applicable law, change, add or delete provisions of the Agreement ( Terms Change ) or terminate your Account. Unless prohibited by applicable law, we may apply any Terms Change to any outstanding or future balances on your Account. ARBITRATION. The Agreement contains an arbitration provision that may substantially limit your rights in the event of a dispute, including your right to litigate in court or have a jury trial, discovery and appeal rights, and the right to participate as a representative or member of a class action. You have a right to reject the arbitration provision, by following the instructions in the arbitration provision. If you reject arbitration, it will have no effect on any other terms of the Agreement. Notice: The following is important information regarding your right to dispute billing errors. YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your Bill If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address shown on your Statement under billing inquiries. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and Account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your Credit Limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don t follow these rules, we can t collect the first $50 of the questioned amount, even if your bill was correct. Special Rule for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. PUERTO RICO RESIDENTS: You may request a copy of the Agreement in Spanish. ACCOUNT SECURITY PROGRAM Summary of Terms The Account Security Program ( Program ) is optional. Whether or not you purchase the Program will not affect your application for credit or the terms of any existing credit agreement you have with GE Money Bank ( Bank ). Upon acceptance of your enrollment in the Program, you will receive the complete Program Agreement. Please read the Agreement carefully since it provides a complete explanation of the Program. The following is only a summary of the Program, including a summary of the eligibility requirements, conditions and exclusions that could prevent you from receiving benefits under the Program. Debt Cancellation is provided under the terms of the Program for the following events ( Covered Events ): Involuntary Unemployment, Leave of Absence, Disability, Hospitalization, Nursing Home Care, or Loss of Life with respect to the primary cardholder (the person whose name is listed first on the billing statement). COST: The monthly fee for the Program is $1.50 per $100 of the average daily balance of your Account as provided in the Program Agreement. The fee is subject to change upon notice to you as required by law.

10 PROTECTIONS FOR YOU: The outstanding balance on your Account, as of the date of the Covered Event, up to $10,000, is cancelled under the terms of the Program Agreement for the following Covered Events: INVOLUNTARY UNEMPLOYMENT: You must be involuntarily unemployed for at least 90 consecutive days. Unemployment for which you had notice within 90 days prior to enrollment in the Program or which begins within 60 days after enrollment in the Program is not covered. You must have been employed full-time in a non-seasonal occupation as of the date of involuntary unemployment, be eligible for state unemployment benefits and register within 15 days of the unemployment for work at a recognized employment agency. Unemployment caused by the following reasons is also excluded: (a) your voluntary forfeiture of employment, salary, wages or other employment income; (b) your resignation; (c) your retirement; (d) your involuntary termination of employment as the result of willful or criminal misconduct; (e) scheduled termination of your employment pursuant to an employment contract; (f) termination of seasonal employment; (g) your imprisonment; or (h) a reduction in number of hours worked that does not result in total elimination of employment income. LEAVE OF ABSENCE: You must be on an unpaid employer approved leave of absence for at least 90 consecutive days. A leave of absence within 60 days after enrollment in the Program is not covered. You must have been employed fulltime in a non-seasonal occupation as of the date the leave began. DISABILITY: You must be disabled for at least 90 consecutive days. Disability caused by the following reasons is excluded: (a) normal pregnancy or childbirth; (b) an intentionally self-inflicted injury, whether you are sane or insane; (c) flight in non-scheduled aircraft; (d) war, declared or undeclared, including any act of war; or (e) foreign travel or residence. HOSPITALIZATION: You must be hospitalized while under continuous care by a physician for at least 14 consecutive days. Hospitalization caused by or resulting from the following reasons will not be covered: (a) normal pregnancy or childbirth; or (b) an intentionally self-inflicted injury, whether you are sane or insane. NURSING HOME CARE: You must be confined to a licensed nursing home while under continuous care by a physician for at least 14 consecutive days. LOSS OF LIFE: If you die. ENDING YOUR PROTECTION: You may terminate your enrollment in the Program at any time. If you choose to terminate within 60 days of enrollment, Bank will credit to your Account any Program fee you have been charged. Bank may terminate your enrollment in the Program by providing written notice to you. Your enrollment in the Program will terminate automatically if you fail to make any required minimum payment on your Account in any two consecutive billing periods. HOW TO CLAIM BENEFITS: You may obtain a form to request debt cancellation by calling toll free at or by writing to Account Security, P.O. Box 39, Roswell, GA You must also provide documents described in the Program Agreement for a particular Covered Event. In addition, you agree to provide any additional information or documents reasonably requested by Bank in connection with our review of your request for debt cancellation. ADDITIONAL IMPORTANT DISCLOSURES: Bank reserves the right to modify the Program at any time and will provide you notice as required by law. Cancelled debt under the Program may be taxable as income if provided by law. Please consult your tax advisor for guidance. You must continue to make any required minimum payments on your Account after a Covered Event until the outstanding balance on your Account is paid off. A Covered Event (other than death) must occur continuously for the specified period of time before debt cancellation can be requested. You may continue to use your Account after a Covered Event, subject to the terms of your Account Agreement. However, the amount of debt cancelled under the Program does not include purchases on your Account after the Covered Event (unless those purchases are covered due to a subsequent Covered Event while you continue to have the Program). Any arbitration provisions that may apply with respect to your Account Agreement shall also apply with respect to the Program. The Program is not insurance. The Program is not available for residents of Alabama and Mississippi.

11 PRIVACY POLICY This Privacy Policy describes our information collection and sharing practices. Please read it carefully. The Policy applies to current and former customers and applicants in their relationships with us relating to personal SAM S CLUB Credit Card and SAM S CLUB DISCOVER Accounts of GE Money Bank ( we or us ). Information We Collect We collect personally identifiable information about you (such as your address, phone number, social security number, mother s maiden name and transaction information about items purchased, payments and payment method), for identification, account management, servicing and marketing purposes. We obtain information about you directly from you (such as on application forms), through your use of our products and services, and in some cases, from third parties (such as credit bureaus and demographic firms). Occasionally, we may also collect information about you online using cookies (small pieces of data stored by your Internet browser on your computer) or other technology that may be used to remember passwords for you, to track your website usage with us, and to provide you with customized content, among other things. Information We Share with Others We may use and share all of the information we collect, subject to applicable law with the following (these examples are not intended to be all-inclusive): SAM S CLUB and its affiliates, for use in connection with the personal SAM S CLUB Credit Card and the SAM S CLUB DISCOVER programs and as otherwise permitted by law. They may use this information to update their records, to provide you with notices of special promotions and other tailored offerings, to answer questions about your Account and perform other SAM S CLUB Credit Card and SAM S CLUB DISCOVER functions or for other purposes permitted by law. They may use their affiliates, licensees, or third-party service providers (such as modeling and database companies) to assist them in any of these activities. Service Providers, (including our affiliates) to assist us in servicing Accounts, like preparing billing statements and promotional materials, and responding to customer inquiries. We also may use marketing firms, such as modeling companies, to assist us in our own marketing efforts. We also provide information to merchants who accept the Card, for purposes such as authorizing and processing transactions. Financial Institutions with Whom We Jointly Offer Financial Products, such as loan products or credit insurance. If your billing address is in Vermont, this information will be limited to your name and contact information, and transaction and experience information on your Account. Our Affiliates, who are other companies in the General Electric Company corporate family ( GE Family ), for servicing or marketing purposes, subject to your right to opt out of sharing of credit eligibility information, such as certain information from credit bureaus and your application, as provided in the It s Your Choice section below. And, subject to your right to opt out, our affiliates also may use information from us concerning you credit eligibility, and your transactions and experience with us, to send you marketing solicitations about products and services. Third Parties, who are interested in offering special products or services to you, subject to your right to opt out as provided in the It s Your Choice section below. For example, we disclose information, either directly or through SAM S CLUB to financial services providers offering products such as insurance, mortgages or loans, and nonfinancial companies offering consumer products and services. We may disclose name, address and telephone numbers, as well as Account purchase and performance history. Others: We report Account information, such as credit limit, balances and payment information, to credit bureaus. In addition, we may buy and sell assets, lines of business and/or Accounts. When this occurs, customer information generally is disclosed to bidders and is one of the transferred business assets. We also disclose information about you to third parties in certain other circumstances, as permitted by law. Our Security Procedures We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard nonpublic personal information about you. We limit access to personal and Account information to those employees and agents who assist us in providing products and services to you. We also require third parties to whom we disclose nonpublic personal information to adhere to this Privacy Policy and to establish information security procedures. Your Access to Information We provide you access to information about your Account by sending you monthly billing statements outlining your transactions, finance charges, and other Account information, and by providing customer service representatives to answer your questions How This Policy Applies to You The examples contained in this Privacy Policy are illustrations only, and are not intended to be all-inclusive. If you decide to close your Account or become an inactive customer, or if we close or suspend your Account, we will continue to adhere to the privacy policies and practices described in this notice to the extent we retain information about you. We may amend this Privacy Policy at any time, and we will inform you of changes as required by law. You may have other privacy protections under state laws and we will comply with applicable state laws when we disclose information about you. This Privacy Policy applies only to personal SAM S CLUB Credit Card and SAM S CLUB DISCOVER Accounts of GE Money Bank and does not apply to any other accounts you may have with us, and replaces our previous disclosures to you about our information practices. It s Your Choice You have the right to opt out of our sharing of information with certain third parties, as described below. To opt out please call us toll-free at , or write to us at P.O. Box , El Paso, TX If you have previously informed us of your preference, you do not need to do so again. Please do not share information about me with companies outside the GE Family, other than with SAM S CLUB and its affiliates for use in connection with the SAM S CLUB Credit Card and the SAM S CLUB DISCOVER programs and as otherwise permitted by law. And please do not share with companies within the GE Family information you use to determine my eligibility for credit. And please do not allow companies within the GE Family to solicit me for products and services based on transaction, experience or credit eligibility information they receive from you. Important Notes About Your Choice Please understand that, even if you opt out as described above, we will continue to share information with the retailer associated with your Account, joint marketing partners and service providers as described in this policy, and as otherwise permitted by law. And we will continue to share information that identifies you, and about your transactions and experiences with us, with companies within the GE Family. If you have a joint account, a request by one party will apply to all parties on the account. We will process your request promptly. However, it may take us several weeks to ensure that all records are updated with your preference. In the interim, you may continue to be included in programs as described above. Also, after your request is processed, you may still be contacted by our affiliates and/or other companies based on their own information. Even if you opt out, we will continue to provide you with billing inserts and mail notices of special offers and new benefits. Vermont Residents: If (and while) your billing address is in Vermont, we will treat your Account as if you had exercised the opt-out choice described above and you do not need to contact us in order to opt out. If you move from Vermont and you wish to restrict us from sharing information about you as provided in this Policy, you must then contact us to exercise the optout choice described above.