a a a a a a With CareCredit... Start care immediately Pay over time with low monthly payments For yourself and your family

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1 With CreCredit... Strt cre immeditely Py over time with low monthly pyments For yourself nd your fmily Two Types of Promotionl Plns Avilble: No Interest if Pid in Full within 6, 12 or 18 Months On purchses with your CreCredit crd. Not ll promotionl plns re vilble in ll offices. Interest will be chrged to your ccount from the purchse dte if the promotionl blnce, including optionl chrges, is not pid in full within 6, 12 or 18 months or if you mke lte pyment. Minimum Monthly Pyments Required. or 14.90% APR & Fixed Minimum Monthly Pyments for 24, 36, 48 or 60 Months On Purchses of $1,000 or more (24, 36 or 48 months) or $2,500 or more (60 months) with your CreCredit crd. Accounts t Penlty APR ineligible for reduced APR. Fixed Minimum Monthly Pyments Required. Penlty APR my pply if you mke lte pyment. (See pge 11 for detils) Step 1 Plese follow these guidelines when completing your ppliction: Plese hve vilble two forms of ID tht cn be verified: one primry ID nd one secondry ID or two primry IDs. If using co-pplicnt, the co-pplicnt must be present nd lso provide two forms of ID. Acceptble primry ID re Stte issued driver s license (preferred), government issued ID, Non- Driver Stte issued ID, Pssport, Militry ID or Government issued Green/Resident Alien crd. Acceptble secondry IDs re Vis, MsterCrd, Americn Express, Discover, deprtment store or n oil compny credit crd with n expirtion dte. Plese include ll forms of income from ll full nd prt-time jobs, bonuses, commissions, nd investments. You need only include child support, limony, or seprte mintennce income if you wish this income to be considered in your ppliction. Plese note tht you must reside in the United Sttes nd be 18 yers or older to pply. Step 2 Plese complete the rest of the ppliction on the reverse side Revision Dte: 11/15/2010 DATE OF PRINTING: 9/10

2 A credit service of GE Money Bnk APPLICATION AND CREDIT CARD AGREEMENT For Providers: (800) For Ptients/Clients: (800) Submit by internet: crecredit.com ESTIMATED FEE $ Office Merchnt # Pre-Approvl Offer q Accepted q Refused Dte Photo ID verified (initil): Applicnt 1st ID Type / Number # Driver s License Stte Issued Federl Government Account # Provided by GE Money Bnk: Issunce Stte Exp. Dte Applicnt 2nd ID Type / Issuer Exp. Dte Authoriztion # or Key # Approved Credit Limit For WI residents: If you re pplying for individul credit or joint credit with someone who is not your 1. APPLICANT INFORMATION: Plese tell us bout yourself. spouse, combine your nd your spouse s finncil informtion on the ppliction form. Nme (First-Middle-Lst) Plese Print Dte of Birth Socil Security Number Home Phone Number / / - - Miling Address* Apt.# City Stte Zip Cell/Other Phone Number *If the bove ddress is P.O. Box, you must provide street ddress for yourself or contct person. Contct Person Nme Street Address (Street Nme nd Number) q Your Address? q Contct Person? City Stte Zip Housing Informtion q PARENTS/RELATIVE q RENT q OWN q OTHER Nerest Reltive Phone Number Alimony, child support or seprte mintennce income need not be disclosed unless relied upon for credit. Monthly Net Income From All Sources $ Employer s Phone Number E-Mil Address (optionl) By providing n e-mil ddress, I consent to receive e-mil confirmtion of my Appliction,communictions bout my Account nd periodic offers nd updtes from GE Money Bnk nd CreCredit LLC. 2. CO-APPLICANT INFORMATION: (COMPLETE ONLY IF CO-APPLICANT REQUESTING A CARECREDIT CREDIT CARD) Nme (First-Middle-Lst) Plese Print Dte of Birth Socil Security Number Home Phone Number / / - - Miling Address* Apt.# City Stte Zip Cell/Other Phone Number *If the bove ddress is P.O. Box, you must provide street ddress for yourself or contct person. Contct Person Nme Street Address (Street Nme nd Number) q Your Address? q Contct Person? City Stte Zip Housing Informtion q PARENTS/RELATIVE q RENT q OWN q OTHER Nerest Reltive Phone Number Alimony, child support or seprte mintennce income need not be disclosed unless relied upon for credit. Monthly Net Income From All Sources $ Employer s Phone Number Co-Applicnt ID Type / Number # Driver s License Stte Issued Federl Government E-Mil Address (optionl) Issunce Stte Exp. Dte Co-Applicnt 2nd ID Type / Issuer Exp. Dte By providing n e-mil ddress, I consent to receive e-mil confirmtion of my Appliction,communictions bout my Account nd periodic offers nd updtes from GE Money Bnk nd CreCredit LLC. 3. APPLICANT nd CO-APPLICANT: We need your signture(s) below I m providing the informtion in this ppliction to GE Money Bnk ( GEMB ), to CreCredit LLC, to prticipting professionls ( Prticipting Professionls ) tht ccept the Cre- Credit Credit Crd ( Crd ) nd to progrm sponsors, nd sking GEMB to issue me Crd. By pplying for this ccount, I uthorize nd gree tht: GEMB my furnish this nd other informtion bout me (even if my ppliction is denied) nd my ccount to CreCredit LLC nd to Prticipting Professionls nd progrm sponsors (nd their respective ffilites) to crete nd updte their records, nd to provide me with service nd specil offers. GEMB my mke inquiries it considers necessry (including requesting reports from consumer reporting gencies nd other sources) in evluting my ppliction, nd for purposes of reviewing, mintining or collecting my ccount. If my ppliction is pproved, the GEMB Credit Crd Agreement ( Agreement ), copy of which is ttched, will be sent to me nd will govern my ccount. Among other things, the Agreement: (1) INCLUDES A DISPUTE AND CLAIM RESOLUTION (INCLUDING ARBITRATION) PROVISION THAT MAY LIMIT MY RIGHTS UNLESS I REJECT THAT PROVISION UNDER THE AGREEMENT S INSTRUCTIONS; nd (2) mkes ech pplicnt responsible for pying the entire mount of credit extended; nd (3) grnts GEMB security interest in the goods purchsed on the ccount s permitted by lw. I consent to GEMB nd ny other owner or servicer of my ccount contcting me bout my ccount, including using ny contct informtion or cell phone numbers I provide (whether now or in the future), nd I consent to the use of ny utomtic telephone diling system nd/or n rtificil or prerecorded voice when contcting me, even if I m chrged for the cll under my phone pln. This ppliction nd the Agreement re governed by federl lw nd Uth lw (to the extent tht stte lw pplies). Federl lw requires GE Money Bnk to obtin, verify nd record informtion tht identifies pplicnts when opening n ccount. GE Money Bnk will use pplicnts nme, ddress, dte of birth, nd other informtion for this purpose. If I hve been pre-pproved, I request tht you open the type of ccount for which I ws pre-pproved. I hve red the Prescreen Disclosures, Key Credit Terms nd Agreement on the next pges nd hve been provided my credit line pplicble to the ccount. GEMB reserves the right to refuse to open n ccount in my nme if GEMB determines tht I no longer meet GEMB s credit criteri or if I do not meet GEMB s debt to income requirements. Signture of Applicnt Signture of Co-Applicnt (If Applicble) X (Plese Do Not Print) Dte X (Plese Do Not Print) Dte Rev. 11/15/2010 DATE OF PRINTING 9/10 PLEASE READ THE GE MONEY BANK CREDIT CARD AGREEMENT BEFORE SIGNING THIS APPLICATION.

3 Interest Rtes nd Interest Chrges Annul Percentge Rte (APR) for Purchses nd Blnce Trnsfers 26.99% GE MONEY BANK CREDIT CARD AGREEMENT Keep For Your Records APR for Csh Advnces Penlty APR nd When it Applies 29.99% 29.99% This APR my be pplied to your Account if you mke lte pyment. How Long Will the Penlty APR Apply? If your APRs re incresed for this reson, the Penlty APR will pply until you mke six consecutive minimum pyments when due. Pying Interest Minimum Interest Chrge For Credit Crd Tips from the Federl Reserve Bord Your due dte is t lest 23 dys fter the close of ech billing cycle. We will not chrge you ny interest on purchses if you py your entire blnce by the due dte ech month. We will begin chrging interest on csh dvnces nd blnce trnsfers on the trnsction dte. If you re chrged interest, the chrge will be no less thn $2. To lern more bout fctors to consider when pplying for or using credit crd, visit the website of the Federl Reserve Bord t Fees Trnsction Fees Blnce Trnsfer Csh Advnce Either $5 or 4% of the mount of ech trnsfer, whichever is greter. Either $5 or 4% of the mount of ech csh dvnce, whichever is greter. Penlty Fees Lte Pyment Returned Pyment Up to $35 Up to $35 How We Will Clculte Your Blnce: We use method clled dily blnce. See your Credit Crd Agreement for more detils. Billing Rights: Informtion on your rights to dispute trnsctions nd how to exercise those rights is provided in your Credit Crd Agreement. The informtion bout the costs of the Account described herein is ccurte s of 11/15/2010. This informtion my hve chnged fter tht dte. To find out wht my hve chnged, write us t GEMB, P.O. Box , El Pso, TX Plese red the following disclosure if you hve received pre-pprovl for credit crd You cn choose to stop receiving prescreened offers of credit from this nd other compnies by clling toll-free See PRESCREEN & OPT-OUT NOTICE below for more informtion bout prescreened offers. PRESCREEN & OPT-OUT NOTICE: This prescreen offer of credit is bsed on informtion in your credit report indicting tht you meet certin criteri. This offer is not gurnteed if you do not meet our criteri. If you do not wnt to receive prescreened offers of credit from this nd other compnies, cll the consumer reporting gencies toll-free, t , or write to: Trns Union, Attn: Mrketing Opt Out, P.O. Box 505, Woodlyn, PA ; Equifx Options, P.O. Box , Atlnt, GA ; or Experin Opt-Out, P.O. Box 919, Allen, TX

4 GE MONEY BANK CREDIT CARD AGREEMENT 1. CONTRACT. This Agreement ( Agreement ) is contrct for the extension of credit. It controls your credit crd ccount referenced on the document received with your credit crd or on your welcome letter. This Agreement includes this document nd the following documents: The ppliction or ny other document you submitted to us in connection with the ccount; nd The privcy policy tht is enclosed with or ttched to this document. By opening or using your ccount, you gree to the terms of this Agreement. This Agreement strts when (i) you give us n ccount ppliction we pprove or (ii) you use your ccount or let someone else use it, whichever occurs first. 2. PARTIES. The prties to this Agreement re you nd GE Money Bnk. GE Money Bnk is locted t 170 West Election Rod, Suite 125, Drper, Uth GE Money Bnk sometimes is clled us, we or our in this Agreement. 3. PROMISE TO PAY. You promise to py us for ll credit tht we extend on your ccount, including credit extended when you let nother person use your ccount. You lso promise to py us for ll other mounts owed to us under this Agreement. 4. CHANGING TERMS. Subject to the requirements nd limittions of pplicble lw, we my chnge, dd to or delete ny of the terms of this Agreement, including the interest rtes, fees nd chrges. 5. GOVERNING LAW. Except s provided in the Dispute nd Clim Resolution (Including Arbitrtion) provision, this Agreement nd your ccount re governed by federl lw nd, to the extent stte lw pplies, the lws of Uth without regrd to its conflicts of lw principles. This Agreement hs been ccepted by us in Uth. 6. CREDIT CARD. We hve issued or will send you credit crd for your use. You re not permitted to llow nyone else to use your credit crd, but if you do, you will be responsible for such use. You will destroy ll the credit crd(s) issued on your ccount if we sk you to do so. 7. AUTHORIZED USER/JOINT ACCOUNT. If you sk us to send credit crd to nother person tht you wnt to let use your ccount, you will be responsible for ll trnsctions mde by tht person. Tht person will be considered n uthorized user. If nother person is pproved on the ccount, tht person will be considered joint ccountholder. Ech joint ccountholder my use the ccount nd grees to the terms of this Agreement. No mtter which joint ccountholder uses the ccount, ech of you must py bck the full mount owed on the ccount. We my tret ech of you s one ccountholder. For exmple, giving notice to one of you is considered the sme s giving notice to both of you. Also, we my follow the instructions tht we get from one of you even if they differ from instructions given by the other ccountholder. 8. USING YOUR ACCOUNT. You my use your ccount only s stted in this Agreement. You my use your ccount for the following: Purchses. You my buy goods or services; Csh Advnces. If pplicble, you my get csh dvnces by writing convenience checks we my provide to you from time to time or by other mens we my mke vilble. We my not honor convenience check (i) if you filed for bnkruptcy, (ii) if the check is expired, (iii) if your ccount is closed, (iv) if the mount of the check would exceed your vilble credit or csh dvnce limit, or (v) s otherwise stted on your convenience check; nd Blnce Trnsfers. If pplicble, from time to time, we my offer you the chnce to trnsfer blnces from your other credit crd ccounts to this ccount. Unless we tell you otherwise, we will tret blnce trnsfers s purchses. We reserve the right to decline to process ny blnce trnsfer request for ny reson, nd will not trnsfer blnce from ny of our ffilites. Trnsfers will be processed in the order determined by us. If the mount you wish to trnsfer is greter thn your vilble credit limit, we my reject the request(s). It my tke up to four weeks for blnce trnsfer request to be credited to your other credit crd ccount(s). It is your responsibility to mke ny pyments required to keep your other ccount(s) current nd to close your other ccount(s), if you desire. We re not responsible for ny chrges you my incur on your other ccount(s) s result of your blnce trnsfer(s). If you hve dispute with creditor, nd py the blnce in question by trnsferring it to your ccount, you my lose certin dispute rights. You my use your ccount only for lwful personl, fmily or household purposes. You my not use your ccount for internet gmbling or illegl purposes. You my not use your ccount to py mounts you owe us on this ccount or on other ccounts you hve with us. These restrictions re for our benefit, nd we re not responsible to you for enforcing them. 9. CREDIT AND CASH ADVANCE LIMITS. A. Assigning Limits. We will ssign the following limit(s) on your ccount, s pplicble. We my increse or decrese either or both of these limits t ny time. Credit Limit This is the highest mount of totl credit we will extend to you on your ccount. Csh Advnce Limit This is the highest mount of credit we will extend to you for csh dvnces mde on your ccount, if pplicble. Csh trnsctions will lso count towrds your credit limit. B. Exceeding Limits. We my refuse to uthorize you to use your ccount if tht use (including ny fees ssocited with tht use) will cuse the totl you will owe on your ccount to be more thn your credit limit. If pplicble, you my not get csh dvnce if tht csh dvnce (including interest nd csh dvnce fees) will cuse the totl you will owe for csh dvnces on your ccount to be more thn your csh dvnce limit. If we pprove trnsction tht cuses the totl you will owe on your ccount to be more thn your credit limit or, if pplicble, the totl you will owe for csh dvnces on your ccount to be more thn your csh dvnce limit, we do not give up ny of our rights under this Agreement nd we do not tret it s n increse in your credit limit or, if pplicble, csh dvnce limit. C. Limiting Trnsctions. We reserve the right to not pprove trnsctions on your ccount. To prevent frud, we my lso limit the number or dollr mount of trnsctions you cn mke in prticulr mount of time. 10. INTEREST. This section explins (i) the interest rtes tht will pply to your ccount, (ii) when interest will be chrged on your ccount, nd (iii) how the mount of interest is clculted. A. Rtes. The following rtes pply to purchses nd, if pplicble, csh dvnces. A higher rte, which we cll Penlty APR my pply t certin times s described below. The Annul Percentge Rtes (APRs) pplicble to your ccount re shown in the tble bove nd will lso be shown on your billing sttement. We clculte interest on the blnce of your ccount ech dy. We use dily rte to clculte the interest ech dy. The dily rte is equl to the APR divided by Purchse Rte. The dily rte for purchses is.07394% (APR 26.99%) unless nd until the penlty rte pplies. 2. Csh Advnce Rte. The dily rte for csh dvnces is.08216% (APR 29.99%) unless nd until the penlty rte pplies. 3. Penlty Rte. The penlty rte my pply if you do not mke your totl minimum pyment by the pyment due dte nd will continue to pply s provided in this section. As required by lw, we will provide you with dvnce notice if we re going to pply the penlty rte to your ccount nd we will tell you when the penlty rte will pply.. Wht is the Penlty Rte? The dily penlty rte will be.08216% (APR 29.99%). b. How Long Will the Penlty Rte Apply? If you re not more thn 60 dys lte on pyment, the penlty rte will pply to trnsctions mde on your ccount fter dte specified in the dvnce notice. Once in effect, if you then mke ll required pyments by the pyment due dte for six consecutive billing periods, your rte will return to the stndrd APR; otherwise, the penlty rte will pply indefinitely. 2

5 If you re or become more thn 60 dys lte on pyment, the penlty rte will pply to ll blnces nd new trnsctions on your ccount not lredysubject to the penlty rte s specified in the dvnce notice. Once in effect, if you then mke six consecutive minimum pyments by the pyment due dte, strting with your first pyment due dte fter the dte specified in the dvnce notice, your rte for ny blnces creted on your ccount prior to or within 14 dys fter the dte of the dvnce notice tht re not lredy subject to (or scheduled under prior notice to be subject to) the penlty rte will return to the stndrd APR. If you do not mke these six consecutive minimum pyments, we my pply the penlty rte to ll blnces on your ccount indefinitely. B. When We Chrge Interest. 1. Purchses. We chrge interest on your purchses from the dte you mke the purchse until you py the purchse in full, except s set forth below: We will not chrge you interest during billing cycle on ny purchses if (i) you hd no blnce t the beginning of the billing cycle or (ii) you hd such blnce, you pid tht blnce in full by the due dte in tht billing cycle. We will credit, s of the beginning of the billing cycle, ny pyment you mke by the due dte tht we llocte to purchses if (i) you hd no blnce t the beginning of the previous billing cycle, or (ii) if you hd such blnce, you pid tht blnce in full by the due dte in the previous billing cycle. 2. Blnce Trnsfers nd Csh Advnces. If pplicble, we chrge interest on your blnce trnsfers nd csh dvnces (nd their relted fees) from the dte you mke the trnsction until you py them in full. You cnnot void pying interest on blnce trnsfers or csh dvnces or on their fees. C. How We Clculte Interest. During billing cycles in which interest is chrged, for ech blnce type on your ccount we figure the interest chrge on your ccount by pplying the periodic rte to the dily blnce of your ccount for ech dy in the billing cycle. A seprte dily blnce will be clculted for the following blnce types, s pplicble: purchses, blnce trnsfers, csh dvnces nd other blnces tht re subject to different interest rtes, plns or specil promotions. First, we determine the dily blnce. To determine the dily blnce, we tke the beginning blnce ech dy, dd ny new chrges nd fees posted tht dy, nd subtrct ny pyments nd credits posted tht dy. This gives us the dily blnce. Second, we clculte the mount of interest chrged. To do this, we multiply the pplicble dily rte by ech dily blnce on your ccount. Third, we dd the interest mount to the dily blnce, nd the sum will become the beginning blnce for the following dy. Your interest chrge for the billing cycle is the sum of the interest mounts tht were chrged ech dy during the billing cycle for ech blnce type. We chrge minimum of $2 of interest in ny billing cycle in which you owe interest. 11. FEES. We my chrge some or ll of the following fees. The tble t the beginning of this Agreement shows the mount of ech of the trnsction nd penlty fees. A. Trnsction Fees. 1. A Blnce Trnsfer Fee for ech blnce trnsfer you mke. 2. A Csh Advnce Fee for ech csh dvnce you get. B. Penlty Fees. 1. A Lte Pyment Fee if we do not receive t lest the totl minimum pyment due on your ccount by 5:00 p.m. (ET) on the due dte shown on your sttement. The mount of the lte pyment fee will be equl to: (1) $25 if you hve pid t lest your totl minimum pyment due by the pyment due dte in ech of the prior six billing cycles or (2) $35 if you hve filed to py t lest the totl minimum pyment due by the pyment due dte in ny one or more of the prior six billing cycles. However, if the lte pyment fee would exceed the totl minimum pyment for which the lte pyment fee is ssessed, the mount of the lte pyment fee will insted be equl to the mount of the totl minimum pyment tht ws due. 2. A Returned Pyment Fee if ny check or other instrument sent to us, or ny electronic pyment uthoriztion you provide us in pyment on your ccount, is not honored upon first presentment, even if the check, instrument or electronic uthoriztion is lter honored. The mount of the returned pyment fee will be equl to: (1) $25 if your pyments hve been honored upon first presentment in ech of the prior six billing cycles or (2) $35 if ny pyment hs been dishonored upon first presentment in ny one or more of the prior six billing cycles. However, if the returned pyment fee would exceed the totl minimum pyment for the cycle in which the pyment ws dishonored upon first presentment, the mount of the returned pyment fee will insted be equl to the mount of the totl minimum pyment tht ws due. C. Other Fees. 1. A Returned Convenience Check Fee of up to $35 if we do not honor convenience check becuse (i) it will cuse you to go over your csh dvnce limit, (ii) you filed petition in bnkruptcy, (iii) the check is expired, or (iv) your ccount is closed. The mount of the returned convenience check fee will be equl to: (1) $25 if your convenience checks hve been honored in ech of the prior six billing cycles or (2) $35 if ny convenience check hs been dishonored in ny one or more of the prior six billing cycles. However, if the returned convenience check fee would exceed the mount of the dishonored convenience check, the mount of the returned convenience check fee will insted be equl to the mount of the dishonored convenience check. 2. A Stop Pyment Fee of $39.99 if we stop pyment on ny convenience check t your request. 12. YOUR PAYMENTS. A. Required Pyment nd Crediting of Pyment. Ech billing cycle you must py t lest the totl minimum pyment by 5:00 pm (ET) on the pyment due dte. You my t ny time py more thn the totl minimum pyment. If you hve blnce subject to interest, erlier pyment my reduce the mount of interest you will py. Any pyments received fter 5:00 pm (ET) will be credited s of the next dy. We my dely mking credit vilble on your ccount in the mount of your pyment. B. Minimum Pyment. Your totl minimum pyment will be clculted s shown below. We round up to the next highest whole dollr in figuring your totl minimum pyment. In ddition, if your new blnce on your billing sttement is less thn $25, then your totl minimum pyment will be equl to the new blnce. Your minimum pyment will be: 1. The sum of the following: () (b) The greter of either: (i) (ii) $25; or 3.75% of the new blnce shown on your billing sttement (excluding ny blnce ttributble to ny specil promotion tht involves delyed or specil pyments); PLUS Any pst due mounts; PLUS 3

6 (c) Any pyment due in connection with specific promotionl purchse. 2. If you re chrged lte pyment fee during billing cycle, for the next four months, we will mke the following clcultion ech month s long s you mke t lest the initil minimum pyment ech month. We will clculte if the totl of your pyments is t lest equl to the sum of the following: (A) the interest billed on your sttement ech month, plus (B) 1% of the new blnce shown on your billing sttement ech month (excluding ny blnce ttributble to ny specil promotion tht involves delyed or specil pyments), plus (C) the lte pyment fee tht ws ssessed in the billing cycle before the four month period. If for the four month period the sum of your pyments is not t lest equl to the sum of A, B nd C, then your minimum pyment for future billing cycles will be the greter of either: () (b) the minimum pyment clcultion shown in (1) bove; or the sum of: (i) (ii) (iii) 1% of the new blnce shown on your billing sttement (excluding ny blnce ttributble to ny specil promotion tht involves delyed or specil pyments) plus interest nd lte pyment fees chrged to your ccount in the current billing cycle; PLUS Any pst due mounts; PLUS Any pyment due in connection with specific promotionl purchse. C. How to Mke Pyment. To mke pyment you must follow ll the instructions below nd the instructions on your billing sttement. If you do not follow these instructions, credit of your pyment to your ccount my be delyed up to five dys. 1. Do the following: () mke your pyment in United Sttes dollrs by check, money order, or similr instrument from bnk locted in the U.S; (b) send the pyment coupon from your billing sttement with your pyment; (c) send the pyment nd pyment coupon in the envelope provided with your billing sttement to the pyment ddress listed on your billing sttement; nd (d) send only one pyment nd one pyment coupon in ech envelope. Alterntively you my mke your pyment online t the website ddress shown on your billing sttement provided you mke your pyment in United Sttes dollrs from bnk locted in the U.S. 2. Do not do the following: () stple, pper clip, tpe or fold your pyment or pyment coupon; (b) include ny other ppers or items with your pyment; (c) use blnce trnsfer or convenience check from your ccount to py us; or (d) send us csh. D. Other Wys to Mke Pyment. Certin prticipting stores or providers my tke pyments tht you mke to them s convenience to you. We my not credit those pyments to your ccount until we receive them. We my llow you to mke pyments over the phone s n ccommodtion to you, but we my chrge you fee to do so. E. Disputed Amounts. If you send us correspondence bout disputed mount, you must send it to the ddress for billing inquiries shown on your billing sttement. You my not send it to the pyment ddress shown on your billing sttement. By disputed mount, we men pyment of less thn the full blnce on your ccount tht is lbeled s pyment in full or similr lnguge, or is given to us s full stisfction of disputed mount, or is given to us with other conditions or limittions. We my ccept these types of pyments without giving up ny of our rights. F. Authoriztion. When you provide check s pyment, you uthorize us either to use informtion from your check to mke one-time electronic fund trnsfer from your ccount or to process the pyment s check trnsction. When we use informtion from your check to mke n electronic fund trnsfer, funds my be withdrwn from your ccount s soon s the sme dy we receive your pyment, nd you will not receive your check bck from your finncil institution. G. Pyment Alloction. We reserve the right to select the method by which the required minimum pyment is llocted to different blnces on your ccount. Some or ll of the required minimum pyment on your ccount will be pplied to lower APR blnces before higher APR blnces. The pyment lloction method tht we use my result in higher interest on your ccount or reduced svings ttributble to ny specil promotions. Any pyment you mke in excess of the required minimum pyment will be llocted to blnces with higher APRs before blnces with lower APRs, unless pplicble lw requires or permits otherwise (such s when your ccount hs certin type of specil promotion). 13. SPECIAL PROMOTIONS. At times, we my offer you specil promotions when you use your ccount for certin trnsctions. These specil promotions will hve some terms tht re different from the terms in this Agreement. The provisions of this Agreement pply to ny specil promotion, unless otherwise provided under the terms of the specil promotion. We my terminte your prticiption in ny specil promotion nd/or pply the penlty rte to your ccount blnces (including specil promotion blnces) if you become more thn 60 dys lte on ny pyment due on your ccount. If this hppens, ech specil promotion blnce will no longer be subject to the terms of the specil promotion nd will insted be subject to the terms of this Agreement. A promotionl chrge my be chrged s prt of specil promotion. Plese see ny specil promotion dvertising (including in-store signs) or other disclosures provided to you for the full terms of ny specil promotion offered. 14. SECURITY INTEREST. You grnt us purchse money security interest in ech item of merchndise purchsed on your ccount to secure its unpid purchse price until such merchndise is pid in full. Solely for the purpose of determining the extent of our purchse money security interest in ech such item of merchndise, your pyments will be llocted first to interest on the ccount, nd then to py off ech purchse on the ccount in the order in which the purchse ws mde (if more thn one item ws purchsed on the sme dy, your pyments will be llocted to py off the lowest priced item first). If you mde purchse pursunt to credit promotion, the blnce with respect to the promotionl purchse my be shown on sttements during the promotionl period nd my reflect different pyment lloction method. In no event will we ssert security interest in the promotionl purchse for n mount greter thn the lowest blnce shown on sttement for tht promotionl purchse. We gree tht no security interest is or will be retined or cquired under this greement in ny rel property which is used or is expected to be used s your dwelling. Should we feel it necessry, you uthorize us to sign nd file finncing sttements regrding ny vehicle purchsed. For some individul purchses under your ccount, we my require you to mintin property/csulty insurnce on the purchse s condition of grnting you credit. You will be informed of ny property/csulty insurnce requirement t the time you mke the purchse. 15. UNAUTHORIZED USE. If you notice the loss or theft of your credit crd or possible unuthorized use of your crd, you should cll us immeditely t You will not be lible for ny unuthorized use on your ccount. You gree tht unuthorized use does not include use by person to whom you hve given your crd or llowed use of your ccount. You will be responsible for ll use by such person. 16. YOUR CREDIT REPORTS AND ACCOUNT INFORMATION. A. Using nd Shring Your Informtion. When you pplied for n ccount you gve us informtion bout yourself. You lso greed tht we could sk others for informtion bout your creditworthiness nd tht we could sk consumer reporting gencies for your consumer report. We use this informtion in considering your ppliction. We lso use this informtion for ny updtes, renewls or extensions of credit on your ccount. We use this informtion to review nd collect your ccount. We use this informtion to provide you with offers. We my give informtion bout you or your ccount to consumer reporting gencies nd other proper prties. This informtion my include your performnce under this Agreement. B. Inccurte Informtion. Tell us if you think we reported wrong informtion bout you to consumer reporting gency (lso clled credit bureu). Write to us t P.O. Box , El Pso, TX In your written communiction, tell us wht informtion is wrong nd why you think it is wrong. If you hve copy of the credit report tht includes the wrong informtion, send copy of it with your written communiction. We my report informtion bout your ccount to credit bureus. Lte pyments, missed pyments, or other defults on your ccount my be reflected in your credit report. 17. USE OF INFORMATION ABOUT YOU AND YOUR ACCOUNT. We will give informtion bout you nd your ccount to delers/merchnts/retilers nd prticipting professionls tht ccept this credit crd (nd their ffilites) nd you consent to this. Delers/merchnts/retilers nd prticipting professionls will use the informtion in 4

7 connection with the credit crd progrm nd for things like creting nd updting their records nd offering you specil benefits. We will use informtion bout you nd your ccount s set forth in the privcy policy tht is ttched to or enclosed with this document. 18. CHANGE OF ADDRESS/PHONE NUMBER. You gree to tell us right wy if you chnge your ddress or phone number(s). We will contct you t the ddress in our records until we re ble to updte our records with your new ddress. 19. CONSENT TO COMMUNICATIONS. You consent to us contcting you using ll chnnels of communiction nd for ll purposes (including collection purposes), using ll contct informtion you provide to us. You lso consent to us nd ny other owner or servicer of your ccount contcting you bout your ccount, including using text messges, ny utomtic telephone diling system nd/or n rtificil or prerecorded voice when contcting you, even if you re chrged for the cll under your phone pln. You re responsible for ny chrges for contcting you tht my be billed to you by your communictions crriers. 20. TELEPHONE MONITORING. For qulity control purposes, you permit us to listen to or record telephone clls between you nd us. 21. CLOSING YOUR ACCOUNT. A. When You My Close Your Account. You my close your ccount t ny time by writing or clling us nd sking us to close your ccount. You must send this writing to the ddress shown on your billing sttement or cll us t the customer service number shown on your billing sttement. We will close your ccount fter we get your request. B. When We My Close Your Account. Subject to the requirements nd limittions of pplicble lw, we my close your ccount t ny time nd for ny reson. C. After You or We Close Your Account. If you or we close your ccount, you must stop using it. You will still hve to py us the full mount you owe on your ccount. This Agreement controls your ccount until you py it in full. 22. DEFAULT. Subject to the requirements nd limittions of pplicble lw, you re in defult if you: Mke lte pyment; Do not follow ny other term of this Agreement; or Become bnkrupt or insolvent. If you defult or upon your deth, we my, subject to the requirements nd limittions of pplicble lw: (i) mke the full mount owing on your ccount due right wy; (ii) bring legl ction to collect ll mounts owed; nd/or (iii) tke ny ction llowed by lw. We my lso reduce your credit limit or close your ccount t ny time whether or not you re in defult. 23. COLLECTION COSTS. If we sk n ttorney to collect your ccount, we my chrge you our collection costs. Collection costs my include court costs, resonble ttorneys fees nd fees for repossession, repir, storge nd sle of ny vehicle securing purchse. We will chrge these costs only if the ttorney we sk to collect is not our slried employee nd the lw llows us to do so. 24. DISPUTE AND CLAIM RESOLUTION (INCLUDING ARBITRATION) PROVISION. Generl/Requirement to Arbitrte. PLEASE READ THIS PROVISION CAREFULLY. UNLESS YOU SEND US THE REJECTION NOTICE DESCRIBED BELOW, THIS PROVISION 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. This Provision replces ny existing rbitrtion provision with us nd will sty in force no mtter wht hppens to your ccount, including termintion. Upon demnd, nd except s otherwise provided below, you nd we must rbitrte individully ny dispute or clim between you, ny joint crdholder nd/ or ny dditionl crdholder, on the one hnd; nd us, our ffilites, gents nd/ or delers/merchnts/retilers or prticipting professionls, on the other hnd, if the dispute or clim rises from or reltes to your ccount. However, we will not require you to rbitrte: (1) ny individul cse in smll clims court or your stte s equivlent court, so long s it remins n individul cse in tht court; or (2) ny clim by us tht only involves our effort to collect money you owe us. However, if you respond to collection lwsuit by climing tht we engged in ny wrongdoing, we my require you to rbitrte. 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 CARDHOLDER WHO IS NOT A JOINT OR ADDITIONAL CARDHOLDER WITH YOU ON YOUR ACCOUNT (AN UNRELATED CARDHOLDER ), AND YOU AGREE THAT NO UNRELATED CARDHOLDER MAY BRING ANY CLAIMS AGAINST US ON YOUR BEHALF. CLAIMS BY YOU AND BY AN UNRELATED CARDHOLDER MAY NOT BE JOINED IN A SINGLE ARBITRATION. Only court my decide whether ny prt of this prgrph is enforceble. If it is finlly determined tht this prgrph is not fully enforceble, only this sentence of the Provision will remin in force nd the reminder of the Provision will be null nd void, provided tht the court s determintion concerning the enforcebility of this prgrph shll be subject to ppel. Strting n Arbitrtion. If you or we elect to rbitrte clim, the electing prty must notify the other prty in writing. This notice cn be given fter the beginning of lwsuit nd cn be given in ppers filed in the lwsuit. Otherwise, your notice must be sent to GE Money Bnk, Legl Opertion, 950 Forrer Boulevrd, Kettering, OH 45420, ATTN: ARBITRATION DEMAND nd our notice must be sent to the most recent ddress for you in our files. The prty seeking rbitrtion must select s the rbitrtion dministrtor either the Americn Arbitrtion Assocition ( AAA ), 1633 Brodwy, 10th Floor, New York, NY 10019, org, (800) , or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, (800) If neither the AAA nor JAMS is ble or willing to hndle the dispute, then the prties will resolve their dispute in court. The rbitrtion dministrtor will ppoint the rbitrtor nd tell the prties wht to do next. The rbitrtor must be lwyer with t lest ten yers legl experience. In mking decisions or wrding remedies, the rbitrtor must pply the sme lw nd legl principles tht would pply in court, but my use different procedurl rules. If the dministrtor s rules conflict with this Provision, this Provision will control. Arbitrtion Loction nd Fees. The rbitrtion will tke plce by phone or t loction resonbly convenient to you. Upon your request, we will normlly py ll the fees the dministrtor or rbitrtor chrges, if we believe you re cting in good fith. We will lwys py these rbitrtion costs, s well s your legl fees nd costs, to the extent required under pplicble lw or in order for this Provision to be enforced. Governing Lw. This Provision is governed by the Federl Arbitrtion Act (the FAA ). Uth lw shll pply to the extent stte lw is relevnt under Section 2 of the FAA in determining the vlidity of this Provision. The rbitrtor must follow: (1) the substntive lw, consistent with the FAA, tht would pply if the mtter hd been brought in court, (2) this Provision, nd (3) the dministrtor s rules. The rbitrtor s decision will be finl nd binding, except for ny ppel right under the FAA. Any court with jurisdiction my enter judgment upon the rbitrtor s wrd. Rejecting this Provision. You my reject this Provision, in which cse only court my be used to resolve ny dispute or clim. Rejection will not ffect ny other spect of this Agreement. To reject, you must send us notice within 60 dys fter you open your ccount or we first provide you with right to reject this Provision. The notice must include your nme, ddress, nd ccount number nd be miled to GE Money Bnk, P.O. Box , El Pso, TX This is the only wy you cn reject this Provision. 25. WAIVER. We my decide to give up ny of our rights under this Agreement. This includes our right to impose the full mount of ny chrge. If we do, we do not give up ny of our other rights under this Agreement. If we give up ny of our rights in one sitution, we do not give up the sme right in nother sitution. Except s we my gree in signed writing, we do not give up ny rights if we () ccept lte or prtil pyment, (b) ccept check or other pyment mrked pyment in full or tendered with other conditions or limittions, (c) extend the due dte of ny pyment due under this Agreement, nd/or (d) relese ny collterl or person responsible for your obligtions under this Agreement. 26. ASSIGNMENT. We my sell, ssign or trnsfer ny or ll of our rights or duties under this Agreement or your ccount. This includes our rights to pyments. We do not hve to give you prior notice of such ction. You my not sell, ssign or trnsfer ny of your rights or duties under this Agreement or your ccount. 27. SEVERABILITY. If ny prt of this Agreement is found to be void or unenforceble under pplicble lw, ll other prts of this Agreement will still pply. 28. ENTIRE AGREEMENT. This Agreement, long with the other documents listed in section 1 bove, re the entire Agreement between you nd us relting to your ccount. These documents replce ny other greement relting to your ccount tht you nd we mde erlier or t the sme time. This Agreement my not be chnged except s provided in this Agreement. STATE NOTICES NJ RESIDENTS: Certin provisions of this Agreement re subject to pplicble lw. As result, they my be void, unenforceble or inpplicble in some jurisdictions. None of these provisions, however, is void, unenforceble or inpplicble in New Jersey

8 WISCONSIN RESIDENTS: No provision of mritl property greement, unilterl sttement under sec , Wis. Stts., or court decree under sec , Wis. Stts., dversely ffects the interest of the creditor unless the creditor, prior to the time credit is grnted, is furnished copy of the greement, sttement or decree or hs ctul knowledge of the dverse provision when the obligtion to the creditor is incurred. Residents of Wisconsin pplying for n individul ccount must give us the nme nd ddress of their spouse, regrdless of whether the spouse my use the crd. Plese provide this informtion to us t P.O. Box , El Pso, TX Your signture on the ppliction or sles slip (or online screen) for the initil purchse pproved on this ccount represents your signture on this Agreement nd is incorported here by reference. We hve signed this Agreement s follows: Glenn Mrino Executive Vice President GE Money Bnk 170 West Election Rod, Suite 125 Drper, UT Your Billing Rights: Keep this Document for Future Use This notice tells you bout your rights nd our responsibilities under the Fir Credit Billing Act. Wht To Do If You Find A Mistke On Your Sttement If you think there is n error on your sttement, write to us t the ddress shown on your sttement under billing inquiries. In your letter, give us the following informtion: Account informtion: Your nme nd ccount number. Dollr mount: The dollr mount of the suspected error. Description of problem: If you think there is n error on your bill, describe wht you believe is wrong nd why you believe it is mistke. You must contct us: Within 60 dys fter the error ppered on your sttement. At lest 3 business dys before n utomted pyment is scheduled, if you wnt to stop pyment on the mount you think is wrong. You must notify us of ny potentil errors in writing. You my cll us, but if you do we re not required to investigte ny potentil errors nd you my hve to py the mount in question. Wht Will Hppen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 dys of receiving your letter, we must tell you tht we received your letter. We will lso tell you if we hve lredy corrected the error. 2. Within 90 dys of receiving your letter, we must either correct the error or explin to you why we believe the bill is correct. While we investigte whether or not there hs been n error: We cnnot try to collect the mount in question, or report you s delinquent on tht mount. The chrge in question my remin on your sttement, nd we my continue to chrge you interest on tht mount. While you do not hve to py the mount in question, you re responsible for the reminder of your blnce. We cn pply ny unpid mount ginst your credit limit. After we finish our investigtion, one of two things will hppen: If we mde mistke: You will not hve to py the mount in question or ny interest or other fees relted to tht mount. If we do not believe there ws mistke: You will hve to py the mount in question, long with pplicble interest nd fees. We will send you sttement of the mount you owe nd the dte pyment is due. We my then report you s delinquent if you do not py the mount we think you owe. If you receive our explntion but still believe your bill is wrong, you must write to us within 10 dys telling us tht you still refuse to py. If you do so, we cnnot report you s delinquent without lso reporting tht you re questioning your bill. We must tell you the nme of nyone to whom we reported you s delinquent, nd we must let those orgniztions know when the mtter hs been settled between us. If we do not follow ll of the rules bove, you do not hve to py the first $50 of the mount you question even if your bill is correct. Your Rights If You Are Disstisfied With Your Credit Crd Purchses If you re disstisfied with the goods or services tht you hve purchsed with your credit crd, nd you hve tried in good fith to correct the problem with the merchnt, you my hve the right not to py the remining mount due on the purchse. To use this right, ll of the following must be true: 1. The purchse must hve been mde in your home stte or within 100 miles of your current miling ddress, nd the purchse price must hve been more thn $50. (Note: Neither of these re necessry if your purchse ws bsed on n dvertisement we miled to you, or if we own the compny tht sold you the goods or services.) 2. You must hve used your credit crd for the purchse. Purchses mde with csh dvnces from n ATM or with check tht ccesses your credit crd ccount do not qulify. 3. You must not yet hve fully pid for the purchse. If ll of the criteri bove re met nd you re still disstisfied with the purchse, contct us in writing t the ddress shown on your sttement under billing inquiries. While we investigte, the sme rules pply to the disputed mount s discussed bove. After we finish our investigtion, we will tell you our decision. At tht point, if we think you owe n mount nd you do not py, we my report you s delinquent. 6

9 privcy policy FACTS Why? Wht? How? WHAT DOES GE MONEY BANK DO WITH YOUR PERSONAL INFORMATION? Finncil compnies choose how they shre your personl informtion. Federl lw gives consumers the right to limit some but not ll shring. Federl lw lso requires us to tell you how we collect, shre, nd protect your personl informtion. Plese red this notice crefully to understnd wht we do. The types of personl informtion we collect nd shre depend on the product or service you hve with us. This informtion cn include: Socil Security number nd income ccount blnces nd pyment history credit history nd credit scores All finncil compnies need to shre customers personl informtion to run their everydy business. In the section below, we list the resons finncil compnies cn shre their customers personl informtion; the resons GE Money Bnk chooses to shre; nd whether you cn limit this shring. Resons we cn shre your personl informtion For our everydy business purposes such s to process your trnsctions, mintin your ccount(s), respond to court orders nd legl investigtions, or report to credit bureus For our mrketing purposes to offer our products nd services to you For joint mrketing with other finncil compnies For our ffilites everydy business purposes informtion bout your trnsctions nd experiences For our ffilites everydy business purposes informtion bout your creditworthiness For our ffilites to mrket to you For nonffilites to mrket to you Does GE Money Bnk shre? Cn you limit this shring? No No No No * To limit our shring Cll our menu will prompt you through your choice(s) Plese note: If you re new customer, we cn begin shring your informtion 30 dys from the dte we sent this notice. When you re no longer our customer, we continue to shre your informtion s described in this notice. However, you cn contct us t ny time to limit our shring. Questions? Cll

10 privcy policy (continued) Wht we do How does GE Money Bnk protect my personl informtion? How does GE Money Bnk collect my personl informtion? Why cn t I limit ll shring? Wht hppens when I limit shring for n ccount I hold jointly with someone else? To protect your personl informtion from unuthorized ccess nd use, we use security mesures tht comply with federl lw. These mesures include computer sfegurds nd secured files nd buildings. We collect your personl informtion, for exmple, when you open n ccount or give us your contct informtion provide ccount informtion or py your bills use your credit crd We lso collect your personl informtion from others, such s credit bureus, ffilites, or other compnies. Federl lw gives you the right to limit only shring for ffilites everydy business purposes informtion bout your creditworthiness ffilites from using your informtion to mrket to you shring for nonffilites to mrket to you Stte lws nd individul compnies my give you dditionl rights to limit shring. See below for more on your rights under stte lw. Your choices will pply to everyone on your ccount. Definitions Affilites Nonffilites Joint mrketing Compnies relted by common ownership or control. They cn be finncil nd nonfinncil compnies. Our ffilites include compnies with GE, Generl Electric or Monogrm nme; finncil compnies such s Generl Electric Cpitl Corportion nd Monogrm Credit Services; nd nonfinncil compnies, such s Generl Electric Compny Compnies not relted by common ownership or control. They cn be finncil nd nonfinncil compnies. Nonffilites we shre with cn include direct mrketing compnies nd the retiler nmed on your ccount A forml greement between nonffilited finncil compnies tht together mrket finncil products or services to you. Our joint mrketing prtners include insurnce compnies Other importnt informtion We follow stte lw if stte lw provides you with dditionl privcy protections. For instnce, if (nd while) your billing ddress is in Vermont, we will tret your ccount s if you hd exercised the opt-out choice described bove nd you do not need to contct us to opt out. If you move from Vermont nd you wish to restrict us from shring informtion bout you s provided in this notice, you must then contct us to exercise your opt-out choice. * Plese keep in mind tht s permitted by federl lw, we shre informtion bout you with Deler/Merchnt/ Provider/Retiler in connection with mrketing nd servicing the GE Money Bnk credit crd progrm, including for Deler/Merchnt/Provider/Retiler to mrket to you. The bove notice pplies only to consumer Credit Crd Accounts with GE Money Bnk nd does not pply to ny other ccounts you hve with us. It replces our previous privcy notice disclosures to you. We cn chnge our privcy policy t ny time nd will let you know if we do if/s required by pplicble lw. For helpful informtion bout identity theft, visit the Federl Trde Commission s (FTC) consumer website t 8

11 Importnt Informtion for Approved Crdholders If you re pproved for CreCredit, plese note your 16-digit ccount number nd credit limit. Account Number: Credit Limit: $ Dte: Your CreCredit Crd: Should rrive within 14 dys. You cn use your ccount before your crd rrives with your ccount number nd your ID. GE Crdholder Inquiry Center (866) The GE Crdholder Inquiry Center cn nswer questions regrding your CreCredit ccount. Plese cll the GE Crdholder Inquiry Center for ll inquiries. Importnt Finncing Informtion If you hve No Interest Pyment Pln (See Sles Slip for dditionl detils): Minimum monthly pyments re required to keep your ccount current. Your sttement shows the minimum monthly pyment mount. You cn py more thn the minimum pyment ech month in order to repy the promotionl purchse blnce by its due dte. The Deferred Interest Chrge in the Promotionl Purchse Summry of your monthly sttement is the mount of deferred interest chrges ccumulted to dte. You will not py these finnce chrges if the entire promotionl purchse blnce is pid by its due dte. To void pying interest chrges/interest, the entire promotionl purchse blnce must be pid in full by its due dte. See Promotionl Purchse Summry for more detils. Mking minimum monthly pyments will not py off the promotionl purchse blnce by the due dte. If you hve Extended Pyment Pln (See Sles Slip for dditionl detils): You must mke the minimum monthly pyment indicted on the sttement. You my py more thn the required monthly pyment. Promotionl Plns No Interest if Pid within Promotionl Period Pyment Pln (6, 12 or 18 Months) - Not ll promotionl periods re vilble t ll Prticipting Professionls nd other promotions my be vilble. Vlid on purchses mde on your CreCredit ccount. A minimum purhcse mount my be required for promotionl plns longer thn 6 months in durtion. On promo purchse blnce, monthly pyments required, but no Interest will be ssessed if (1) promo purchse blnce pid in full in 6, 12 or 18 months, nd (2) ll minimum monthly pyments on ccount pid when due. Otherwise, promo my be terminted & Finnce Chrges will be ccrued t the Purchse APR nd ssessed from purchse dte. Stndrd terms pply to non-promo purchses nd optionl chrges. Promo purchses on existing ccounts my not receive full benefit of promo terms, including reduced APR if pplicble, if ccount is subject to penlty pricing. Pyments over the minimum will be pplied s required by pplicble lw. As of 11/15/2010, APR: 26.99% & on ll ccounts in defult, Penlty APR 29.99%. Minimum Interest Chrge $2.00. Subject to pprovl by GE Money Bnk. Extended Pyment Pln (24 Months, 36 Months, 48 Months or 60 Months Fixed Pyment nd 14.90% APR) - Not ll promotionl periods re vilble t ll Prticipting Professionls. Vlid on Purchses of $1,000 or more (24, 36 or 48 months) or $2,500 or more (60 months) mde on CreCredit Account. On promo purchse, fixed monthly pyments equl to % of initil purchse blnce for 24 months; % of initil purchse blnce for 36 months; % of initil purchse blnce for 48 months; or % of initil purchse blnce for 60 months required, nd Interest will be pplied to promo blnce t reduced 14.90% APR if (1) promo purchses pid in full in 24, 36, 48 or 60 months, s reflected on the front side of your sles slip, nd (2) ll minimum monthly pyments on ccount pid when due. Otherwise, promo my be terminted, nd stndrd terms pply to non-promo purchses, nd optionl chrges. Purchse APR of 26.99% or Penlty APR (if pplicble) of 29.99% pply to expired nd terminted promotions nd optionl chrges. Promo purchses on existing ccounts my not receive full benefit of promo terms, including reduced APR if pplicble, if ccount is subject to penlty pricing. Pyments over the minimum will be pplied s required by pplicble lw. Subject to pprovl by GE Money Bnk. 9