Pay over time with low monthly payments. Types of Promotional Options that may be available: *, ** See Page 10 for details

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1 With CreCredit... Strt cre immeditely Py over time with low monthly pyments For yourself nd your fmily Types of Promotionl Options tht my be vilble: Not ll enrolled helthcre prctices offer ll specil finncing options, so plese sk your prctice to explin which ones re vilble for your purchse. No Interest if Pid in Full within 6, 12, 18 or 24 Months* On qulifying purchses of $200 or more mde with your CreCredit credit crd ccount. Interest will be chrged to your ccount from the purchse dte if the promotionl purchse is not pid in full within the promotionl period. Purchses eligible for 6, 12 or 18 month promotions: Minimum Monthly Pyments required. Purchses eligible for 24 Month promotion: Fixed Monthly Pyments required until pid in full nd bsed on repyment over 24 months. Required monthly pyments my or my not py off purchse before end of promotionl period. OR 14.90% APR nd Fixed Monthly Pyments Required Until Pid in Full** On qulifying purchses mde with your CreCredit credit crd ccount. Fixed monthly pyment mount bsed on repyment over 24, 36, 48 or 60 month period. Purchses of $1000 or more re eligible for 24, 36 or 48 month offer nd purchses of $2500 or more re eligible for 60 month offer. *, ** See Pge 10 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 joint pplicnt, the joint pplicnt must be present nd lso provide two forms of ID. Acceptble primry IDs 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:

2 APPLICATION AND CREDIT CARD ACCOUNT AGREEMENT Credit is extended by GE Cpitl Retil Bnk ** MARRIED WI Residents only: If you re pplying for n individul ccount nd your spouse lso is WI resident, combine your nd your spouse s finncil informtion. Office Merchnt # ESTIMATED FEE $ Photo ID verified (initil): Applicnt 1st ID Type / Number Provided by GE Cpitl Retil Bnk: # Driver s License Stte Issued Federl Government Account # For Providers: (800) For Ptients/Clients: (800) Submit by Internet: CARECREDIT.COM Pre-Approvl Offer q Accepted q Refused Dte Issunce Stte Exp. Dte Applicnt 2nd ID Type / Issuer Exp. Dte Authoriztion # or Key # Approved Credit Limit 1. APPLICANT INFORMATION: Plese tell us bout yourself. Plese note tht you must reside in the United Sttes nd be 18 yers or older to pply. 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. Your Address? Contct Person? Contct Person Nme Street Address (Street Nme nd Number) City Stte Zip Housing Informtion PARENTS/RELATIVE OWN RENT OTHER E-Mil Address (optionl)* Nerest Reltive Phone Number* Alimony, child support or seprte mintennce income need not be included unless relied upon for credit. You my include the monthly mount tht you hve vilble to spend from your ssets. ** Monthly Net Income From All Sources $ Employer s Phone Number* 2. JOINT INFORMATION: An dditionl crd will be issued to the person indicted below. The pplicnt (nd joint pplicnt, if ny) will be lible for ll trnsctions mde on the ccount including those mde by ny uthorized user. JOINT APPLICANT: You gree tht we my send notices to you nd/or pplicnt t the pplicnt s ddress, regrdless of whether you live t tht ddress. Nme (First-Middle-Lst) Plese Print Dte of Birth Socil Security Number Home Phone Number * *You uthorize GE Cpitl Retil Bnk ( GECRB ) to contct you t ech phone number you hve provided. By providing cell phone number nd/or emil ddress, you gree to receive specil offers, updtes nd ccount informtion, including text messges, from CreCredit, LLC, providers tht ccept the CreCredit credit crd nd GE Cpitl Retil Bnk. Stndrd text messging rtes my pply. / / - - Miling Address Apt.# City Stte Zip Cell/Other Phone Number * Joint Applicnt ID Type / Number 3. APPLICANT nd JOINT APPLICANT: We need your signture(s) below. By pplying for this ccount or ccepting prescreen offer, I m sking GE Cpitl Retil Bnk ( GECRB ) to issue me CreCredit Credit Crd (the Crd ), nd I gree tht: I m providing the informtion in this ppliction to GECRB, CreCredit LLC, nd providers tht ccept the Crd nd progrm sponsors. GECRB my provide informtion bout me (even if my ppliction is declined or my ccount is not opened) to CreCredit LLC, providers tht ccept the Crd nd progrm sponsors (nd their respective ffilites) so tht they cn crete nd updte their records, nd provide me with service nd specil offers. GECRB my obtin informtion from others bout me (including requesting reports from consumer reporting gencies nd other sources) to evlute my ppliction or determine whether to open my ccount, nd to review, mintin, or collect my ccount. I consent to GECRB 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, 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. I hve red nd gree to the credit terms nd other disclosures in this ppliction, nd I understnd tht if my ppliction is pproved or n ccount is opened, the GECRB credit crd ccount greement ( Agreement ) will govern my ccount. Among other things, the Agreement: (1) includes resolving dispute with rbitrtion provision tht limits my rights unless I reject the provision by following the provision s instructions; nd (2) mkes ech pplicnt responsible for pying the entire mount of the credit extended. PLEASE SEE NEXT PAGE FOR RATES, FEES AND OTHER COST INFORMATION. Federl lw requires GECRB to obtin, verify nd record informtion tht identifies you when you open n ccount. GECRB will use your 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, credit terms nd other disclosures on the next pges nd hve been provided my credit limit pplicble to the ccount. GECRB reserves the right to refuse to open n ccount in my nme if GECRB determines tht I no longer meet GECRB s credit criteri or if I do not hve sufficient income. If you pply with Joint Applicnt, ech of you will be jointly nd individully responsible for obligtions under the Agreement nd by signing below, you ech gree tht you intend to pply for joint credit. Signture of Applicnt Nerest Reltive Phone Number * # Driver s License Stte Issued Federl Government E-Mil Address (optionl)* Signture of Joint Applicnt (If Applicble) Monthly Net Income From All Sources $ If the bove ddress is P.O. Box, you must provide street ddress for yourself or contct person. Your Address? Contct Person? Contct Person Nme Street Address (Street Nme nd Number) City Stte Zip Housing Informtion PARENTS/RELATIVE OWN RENT OTHER Alimony, child support or seprte mintennce income need not be included unless relied upon for credit. You my include the monthly mount tht you hve vilble to spend from your ssets. ** Employer s Phone Number * Issunce Stte Exp. Dte Joint Applicnt 2nd ID Type / Issuer Exp. Dte *You uthorize GE Cpitl Retil Bnk ( GECRB ) to contct you t ech phone number you hve provided. By providing cell phone number nd/or emil ddress, you gree to receive specil offers, updtes nd ccount informtion, including text messges, from CreCredit, LLC, providers tht ccept the CreCredit credit crd nd GE Cpitl Retil Bnk. Stndrd text messging rtes my pply. X (Plese Do Not Print) Dte X (Plese Do Not Print) Dte Revision Dte: PLEASE READ THE GE CAPITAL RETAIL BANK CREDIT CARD ACCOUNT AGREEMENT BEFORE SIGNING THIS APPLICATION. (2)

3 GE CAPITAL RETAIL BANK Keep For Your Records SECTION I: RATES AND FEES TABLE CARECREDIT CREDIT CARD ACCOUNT AGREEMENT Interest Rtes nd Interest Chrges Annul Percentge Rte (APR) for Purchses 26.99% Pying Interest Your due dte is t lest 23 dys fter the close of ech billing cycle. We will not chrge you ny interest on non-promotionl purchses if you py your entire blnce by the due dte ech month. We will begin chrging interest on promotionl purchses on the purchse dte. Minimum Interest Chrge If you re chrged interest, the chrge will be no less thn $2. For Credit Crd Tips from the Consumer Finncil Protection Bureu To lern more bout fctors to consider when pplying for or using credit crd, visit the website of the Consumer Finncil Protection Bureu t Fees 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 ccount greement for more detils. Billing Rights: Informtion on your rights to dispute trnsctions nd how to exercise those rights is provided in your credit crd ccount greement. 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 prescreened 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 , write to: TrnsUnion LLC, 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 (3)

4 How Interest Is Clculted Your Interest Rte When We Chrge Interest How We Clculte Interest SECTION II: RATES, FEES AND PAYMENT INFORMATION OF THE CARECREDIT CREDIT CARD ACCOUNT AGREEMENT We use dily rte to clculte the interest on the blnce on your ccount ech dy. The dily rte for purchses is the APR times 1/365. The dily rte for purchses is.07395% (APR 26.99%). Interest will be imposed in mounts or t rtes not in excess of those permitted by pplicble lw. We chrge interest on your purchses from the dte you mke the purchse until you py the purchse in full. See exceptions below. We will not chrge you interest during billing cycle on ny non-promotionl purchses if: 1. You hd no blnce t the strt of the billing cycle; OR 2. You hd blnce t the strt of the billing cycle nd you pid tht blnce in full by the due dte in tht billing cycle. We lwys chrge interest on promotionl purchses nd their relted fees from the dte you mke the purchse. We will credit, s of the strt of the billing cycle, ny pyment you mke by the due dte tht we llocte to non-promotionl purchses if: 1. You hd no blnce t the strt of the previous billing cycle; OR 2. You hd blnce t the strt of the previous billing cycle nd you pid tht blnce in full by the due dte in the previous billing cycle. We figure the interest chrge on your ccount seprtely for ech blnce type. We do this by pplying the dily rte to the dily blnce for ech dy in the billing cycle. A seprte dily blnce is clculted for the following blnce types, s pplicble: purchses nd blnces subject to different interest rtes, plns or specil promotions. See below for more detils on how this works. 1. How to get the dily blnce. We tke the strting blnce ech dy, dd ny new chrges nd fees, nd subtrct ny pyments or credits. This gives us the dily blnce. Debt cncelltion fees, if ny, nd lte pyment fees re treted s new purchses. 2. How to get the dily interest mount. We multiply ech dily blnce by the dily rte tht pplies. 3. How to get the strting blnce for the next dy. We dd the dily interest mount in step 2 to the dily blnce from step How to get the interest chrge for the billing cycle. We dd ll the dily interest mounts tht were chrged during the billing cycle for ech blnce type. We chrge minimum of $2.00 of interest in ny billing cycle in which you owe interest. Interest, s clculted bove, is dded s pplicble to ech blnce type. Minimum interest chrges in excess of the clculted interest re treted s new purchses. How Fees Work Lte Pyment Fee Returned Pyment Fee We will chrge this fee if we do not receive the totl minimum pyment due on your ccount by 5 p.m. (ET) on the due dte. This fee is equl to: 1. $25, if you hve pid your totl minimum pyment due by the due dte in ech of the prior six billing cycles. OR 2. $35, if you hve filed to py your totl minimum pyment due by the due dte in ny one or more of the prior six billing cycles. The lte pyment fee will not be more thn the totl minimum pyment tht ws due. We will chrge this fee if ny check, other instrument, or electronic pyment uthoriztion you provide us in pyment on your ccount, is not honored upon first presentment. We will chrge this fee even if the check, instrument or electronic uthoriztion is lter honored. This fee is equl to: 1. $25, if your pyments hve been honored 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. The returned pyment fee will not be more thn the totl minimum pyment tht ws due. Minimum Pyment Clcultion Your totl minimum pyment is clculted s follows. 1. The sum of:. The greter of either: (i) $25; or (ii) 3.25% of the new blnce shown on your billing sttement (excluding ny blnce ttributble to ny specil promotionl purchse with unique pyment (iii ) clcultion); or The sum of 1% of your new blnce shown on your billing sttement (excluding ny blnce ttributble to ny specil promotionl purchse with unique pyment clcultion) plus interest, lte pyment fees nd returned pyment fees chrged in the current billing cycle; PLUS b. Any pst due mounts; PLUS c. Any pyment due in connection with specil promotionl purchse with unique pyment clcultion. We round up to the next highest whole dollr in figuring your totl minimum pyment. Your totl minimum pyment will never be more thn your new blnce. Specil Promotionl Finncing Offer Informtion At times, we my offer you specil finncing promotions for certin trnsctions ( specil promotions ). The terms of this Agreement pply to ny specil promotions. However, ny specil promotionl terms tht re different thn the terms in this Agreement will be explined on promotionl dvertising or other disclosures provided to you. Below is description of certin specil promotions tht my be offered, in ddition to 14.90% APR promotions with unique pyment clcultion. No Interest if Pid in Full Within 6 Months No Interest if Pid in Full Within 12 Months No Interest if Pid in Full Within 18 Months No Interest if Pid in Full Within 24 Months For ech promotion, if the promotionl blnce is not pid in full within the promotionl period, interest will be imposed from the dte of purchse t the Purchse APR tht pplies to your ccount when the promotionl purchse is mde. At the time your ccount is opened, the Purchse APR is 26.99%. When you mke qulifying purchse under one of these promotions, no interest will be ssessed on the purchse if you py the following (the promotionl blnce ) in full within the pplicble promotionl period. If you do not, interest will be ssessed on the promotionl blnce from the dte of the purchse. Minimum or fixed monthly pyments re required. Regulr ccount terms pply to non-promotionl purchses nd, fter promotion ends, to promotionl purchses. Offers re subject to credit pprovl. These promotionl offers my not be vilble t ll times for ll purchses. Plese see ny specil promotion dvertising or other disclosures provided to you for the full terms of ny specil promotion offered. (4)

5 SECTION III: STANDARD PROVISIONS OF THE CARECREDIT CREDIT CARD ACCOUNT AGREEMENT ABOUT THE CREDIT CARD ACCOUNT AGREEMENT This Agreement. This is n Agreement between you nd GE Cpitl Retil Bnk, 170 Election Rod, Suite 125, Drper, UT 84020, for your credit crd ccount. By opening or using your ccount, you gree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document nd the ppliction you submitted to us in connection with the ccount. These documents replce ny other greement relting to your ccount tht you or we mde erlier or t the sme time. Prties To This Agreement. This Agreement pplies to ech ccount holder pproved on the ccount nd ech of you is responsible for pying the full mount due, no mtter which one uses the ccount. We my tret ech of you s one ccount holder nd my refer to ech of you s you or your. GE Cpitl Retil Bnk my be referred to s we, us or our. Chnges To This Agreement. We my chnge, dd or delete terms of this Agreement, including interest rtes, fees nd chrges. Specil Promotions. The terms of this Agreement pply to ny specil promotion. However, ny specil promotionl terms tht re different thn the terms in this Agreement will be explined on promotionl dvertising or other disclosures provided to you. HOW TO USE YOUR ACCOUNT/CARD Use Of Your Account. You my use your ccount only for lwful personl, fmily or household purposes. You my use your ccount for purchses from delers/merchnts/ retilers tht ccept the crd. You Promise To Py. You promise to py us for ll mounts owed to us under this Agreement. Your Responsibility. Ech ccount holder will receive crd. You my not llow nyone else to use your ccount. If you do, or if you sk us to send crd to someone else, you will be responsible for pying for ll chrges resulting from their trnsctions. Purchse Limits. To prevent frud, we my limit the number or dollr mount of purchses you cn mke in ny prticulr mount of time. We lso my decline ny prticulr chrge on your ccount for ny reson. Credit Limit. You will be ssigned credit limit tht we my increse or decrese from time to time. If we pprove purchse tht mkes you go over your credit limit, we do not give up ny rights under this Agreement nd we do not tret it s n increse in your credit limit. HOW AND WHEN TO MAKE PAYMENTS When Pyments Are Due. You must py t lest the totl minimum pyment due on your ccount by 5 p.m. (ET) on the due dte of ech billing cycle. Pyments received fter 5 p.m. (ET) will be credited s of the next dy. You my t ny time py, in whole or in prt, the totl unpid blnce without ny dditionl chrge for prepyment. If you hve blnce subject to interest, erlier pyment my reduce the mount of interest you will py. We my dely mking credit vilble on your ccount in the mount of your pyment even though we will credit your pyment when we receive it. Pyment Options. You cn py by mil, online or t certin delers/merchnts/retilers tht ccept the crd nd pyments. We my llow you to mke pyments over the phone but we will chrge you fee to mke expedited phone pyments. Your pyment must be mde in U.S. dollrs by physicl or electronic check, money order or similr instrument from bnk locted in the United Sttes. How To Mke A Pyment. You must follow the instructions for mking pyments provided on your billing sttement. If you do not, credit of your pyment my be delyed up to five dys. Your billing sttement lso explins how informtion on your check is used. Pyment Alloction. We will pply the required totl minimum pyment to blnces on your ccount using ny method we choose. Any pyment you mke in excess of the required totl minimum pyment will be pplied to higher APR blnces before lower APR blnces. Applicble lw my require or permit us to pply excess pyments in different mnner in certin situtions, such s when your ccount hs certin type of specil promotion. INFORMATION ABOUT YOU Using nd Shring Your Informtion. When you pplied for n ccount, you gve us, providers tht ccept the crd nd progrm sponsors informtion bout yourself tht we could shre with ech other. Providers tht ccept the crd nd progrm sponsors (nd their respective ffilites) will use the informtion in connection with the credit progrm nd for things like creting nd updting their records nd offering you specil benefits. More informtion bout how we use nd shre informtion is set forth in the privcy policy for your ccount. Address/Phone Chnge. You gree to tell us right wy if you chnge your ddress or phone number(s). We will contct you t the ddress or phone number in our records until we updte our records with your new ddress or phone number. Consent to Communictions. You consent to us contcting you using ll chnnels of communiction nd for ll purposes. We will use the contct informtion you provide to us. You lso consent to us nd ny other owner or servicer of your ccount contcting you using ny communiction chnnel. This my include text messges, utomtic telephone diling systems nd/or n rtificil or prerecorded voice. This consent pplies even if you re chrged for the cll under your phone pln. You re responsible for ny chrges tht my be billed to you by your communictions crriers when we contct you. Telephone Monitoring. For qulity control, you llow us to listen to or record telephone clls between you nd us. IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Closing Your Account. You my close your ccount t ny time by sending letter to the ddress shown on your billing sttement or clling customer service. We my close your ccount t ny time, for ny reson. If your ccount is closed, you must stop using it. You must still py the full mount you owe nd this Agreement will remin in effect until you do. Collection Costs. If we sk n ttorney who is not our slried employee to collect your ccount, we my chrge you our collection costs. These include court costs nd resonble ttorneys fees. Credit Bureu Reporting. We my report informtion bout your ccount to credit bureus. Lte pyments, missed pyments, or other defults on your ccount my be shown in your credit report. Tell us if you think we reported wrong informtion bout you to credit bureu. Write to us t GE Cpitl Retil Bnk, P.O. Box , Orlndo, FL 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 us copy. Defult. 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 () request tht you py the full mount due right wy, (b) tke legl ction to collect the mounts owed, nd/or (c) tke ny other ction llowed. Disputed Amounts. The billing rights summry in section IV of this Agreement describes wht to do if you think there is mistke on your bill. If you send us correspondence bout disputed mount or pyment, you must send it to the ddress for billing inquiries. We do not give up ny rights under this Agreement if we ccept pyment mrked pyment in full or given with ny other conditions or limittions. Unuthorized Use. If your crd is lost, stolen or used without your consent, cll us immeditely t You will not be lible for unuthorized use on your ccount, but you will be responsible for ll use by nyone you give your crd to or llow to use your ccount. IMPORTANT INFORMATION ABOUT THIS AGREEMENT Assignment. We my sell, ssign or trnsfer ny or ll of our rights or duties under this Agreement or your ccount, including 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. Enforcebility. If ny prt of this Agreement is found to be void or unenforceble, ll other prts of this Agreement will still pply. Governing Lw. Except s provided in the Resolving Dispute with Arbitrtion section, 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. Wiver. We my give up some of our 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. (5)

6 RESOLVING A DISPUTE WITH ARBITRATION PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED. Wht clims re subject to rbitrtion 1. If either you or we mke demnd for rbitrtion, you nd we must rbitrte ny dispute or clim between you or ny other user of your ccount, nd us, our ffilites, gents nd/or delers/merchnts/retilers tht ccept the crd or progrm sponsors if it reltes to your ccount, except s noted below. 2. 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) cse we file to collect money you owe us. However, if you respond to the collection lwsuit by climing ny wrongdoing, we my require you to rbitrte. 3. Notwithstnding ny other lnguge in this section, only court, not n rbitrtor, will decide disputes bout the vlidity, enforcebility, coverge or scope of this section or ny prt thereof (including, without limittion, the next prgrph of this section nd/or this sentence). However, ny dispute or rgument tht concerns the vlidity or enforcebility of the Agreement s whole is for the rbitrtor, not court, to decide. No Clss Actions YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNT HOLDER WHO IS NOT A ACCOUNT HOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNT HOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY CLAIM YOU HAVE. If court determines tht this prgrph is not fully enforceble, only this sentence will remin in force nd the reminder will be null nd void, nd the court s determintion shll be subject to ppel. This prgrph does not pply to ny lwsuit or dministrtive proceeding filed ginst us by stte or federl government gency even when such gency is seeking relief on behlf of clss of borrowers, including you. This mens tht we will not hve the right to compel rbitrtion of ny clim brought by such n gency. How to strt n rbitrtion, nd the rbitrtion process 1. The prty who wnts to rbitrte must notify the other prty in writing. This notice cn be given fter the beginning of lwsuit or in ppers filed in the lwsuit. Otherwise, your notice must be sent to GE Cpitl Retil Bnk, Legl Opertion, P.O. Box 29110, Shwnee Mission, KS 66201, ATTN: ARBITRATION DEMAND. The prty seeking rbitrtion must select n rbitrtion dministrtor, which cn be either the Americn Arbitrtion Assocition (AAA), 1633 Brodwy, 10th Floor, New York, NY 10019, (800) , or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, (800) If neither dministrtor is ble or willing to hndle the dispute, then the court will ppoint n rbitrtor. 2. If prty files lwsuit in court sserting clim(s) tht re subject to rbitrtion nd the other prty files motion with the court to compel rbitrtion, which is grnted, it will be the responsibility of the prty sserting the clim(s) to commence the rbitrtion proceeding. 3. The rbitrtion dministrtor will ppoint the rbitrtor nd will tell the prties wht to do next. The rbitrtor must be lwyer with t lest ten yers of legl experience. Once ppointed, the rbitrtor must pply the sme lw nd legl principles, consistent with the FAA, tht would pply in court, but my use different procedurl rules. If the dministrtor s rules conflict with this Agreement, this Agreement will control. 4. The rbitrtion will tke plce by phone or t resonbly convenient loction. If you sk us to, we will py ll the fees the dministrtor or rbitrtor chrges, s long s we believe you re cting in good fith. We will lwys py rbitrtion costs, s well s your legl fees nd costs, to the extent you previl on clims you ssert ginst us in n rbitrtion proceeding which you hve commenced. Governing Lw for Arbitrtion This Arbitrtion section of your Agreement is governed by the Federl Arbitrtion Act (FAA). Uth lw shll pply to the extent stte lw is relevnt under the FAA. 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. How to reject this section. You my reject this Arbitrtion section of your Agreement. If you do tht, only court my be used to resolve ny dispute or clim. To reject this section, you must send us notice within 60 dys fter you open your ccount or we first provided you with your right to reject this section. The notice must include your nme, ddress nd ccount number, nd must be miled to GE Cpitl Retil Bnk, P.O. Box , Orlndo, FL This is the only wy you cn reject this section. SECTION IV: OTHER IMPORTANT INFORMATION OF THE CARECREDIT CREDIT CARD ACCOUNT AGREEMENT STATE NOTICES CALIFORNIA RESIDENTS: If you re mrried, you my pply for seprte ccount. NEW JERSEY 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. NEW YORK RESIDENTS: A consumer credit report my be obtined in connection with evluting your ppliction nd subsequently in connection with updtes, renewls, or extensions of credit for which this ppliction is mde. Upon your request, you will be informed whether report ws obtined, nd if so, of the nme nd ddress of the consumer reporting gency. This Agreement will not become effective unless nd until you or n uthorized user signs sles slip or memorndum evidencing purchse or lese of property or services or the pyment of fine by use of your credit crd nd prior thereto you will not be responsible for ny purchse or lese of property or services by use of your credit crd fter its loss or theft. OHIO RESIDENTS: The Ohio lws ginst discrimintion require tht ll creditors mke credit eqully vilble to ll credit worthy customers, nd tht credit reporting gencies mintin seprte credit histories on ech individul upon request. The Ohio Civil Rights Commission dministers complince with this lw. TENNESSEE RESIDENTS: This Agreement will not become effective unless nd until we hve (1) provided the disclosures required pursunt to the federl Truth in Lending Act, (2) you or n uthorized user uses the ccount, nd (3) we extend credit to you for tht trnsction on your ccount. 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. Mrried residents of Wisconsin pplying for n individul ccount must give us the nme nd ddress of their spouse if the spouse lso is Wisconsin resident, regrdless of whether the spouse my use the crd. Plese provide this informtion to us t P.O. Box , Orlndo, FL 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. It is incorported here by reference. We hve signed this Agreement s follows: Mrgret Kene Chirmn nd CEO GE Cpitl Retil Bnk (6)

7 YOUR BILLING RIGHTS SUMMARY 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: GE Cpitl Retil Bnk P.O. Box , Orlndo, FL 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: GE Cpitl Retil Bnk P.O. Box , Orlndo, FL 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. (7)

8 PRIVACY POLICY Rev. 6/12 FACTS WHAT DOES GE CAPITAL RETAIL BANK DO WITH YOUR PERSONAL INFORMATION? Why? 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. Wht? 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 Account blnces nd pyment history Credit history nd credit scores How? 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 Cpitl Retil 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 Does GE Cpitl Retil Bnk shre? Yes Yes Cn you limit this shring? No No For joint mrketing with other finncil compnies Yes No For our ffilites everydy business purposes informtion bout your trnsctions nd experiences For our ffilites everydy business purposes informtion bout your creditworthiness Yes Yes No Yes For our ffilites to mrket to you Yes Yes For nonffilites to mrket to you Yes Yes* 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 (8)

9 Pge 2 Wht we do How does GE Cpitl Retil Bnk protect my personl informtion? How does GE Cpitl Retil 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 Delers, Retilers, Merchnts, Providers nd Contrctors tht ccept the crd nd progrm sponsors in connection with mintining nd servicing the GE Cpitl Retil Bnk credit crd progrm, including for Delers, Retilers, Merchnts, Providers nd Contrctors tht ccept the crd nd progrm sponsors to mrket to you. If you opt out of shring with nonffilites, your opt out will not prohibit us from shring your informtion with providers tht ccept the crd nd progrm sponsors. The bove notice pplies only to the consumer credit crd ccount covered by the ttched GE Cpitl Retil Bnk Credit Crd Account Agreement 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 (9)

10 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 Cpitl Retil Bnk Crdholder Inquiry (866) The GE Cpitl Retil Bnk Crdholder Inquiry Center cn nswer ll questions regrding your CreCredit ccount. IMPORTANT PROMOTIONAL OPTION INFORMATION See Sles Slip for Additionl Detils bout the specil finncing options pplicble to your purchse. Not ll enrolled helthcre prctices offer ll specil finncing options, so plese sk your prctice to explin which ones re vilble for your purchse. No Interest if Pid in Full within 6, 12, 18 or 24 Months* On qulifying purchses of $200 or more mde with your CreCredit credit crd ccount. Interest will be chrged to your ccount from the purchse dte if the promotionl purchse is not pid in full within the promotionl period. Purchses eligible for 6, 12 or 18 month promotions: Minimum Monthly Pyments required. Purchses eligible for 24 Month promotion: Fixed Monthly Pyments required until pid in full nd bsed on repyment over 24 months. Required monthly pyments my or my not py off purchse before end of promotionl period. The minimum monthly pyment mount shown on your billing sttement is required to keep your ccount current. The Promotionl Purchse Summry in your billing sttement will show the mount of Deferred Interest Chrges ccumulted to dte. To void pying the Deferred Interest Chrges, you must py the promotionl purchse in full within the promotionl period % APR nd Fixed Monthly Pyments Required Until Pid in Full** On qulifying purchses mde with your CreCredit credit crd ccount. Fixed monthly pyment mount bsed on repyment over 24, 36, 48 or 60 month period. Purchses of $1000 or more re eligible for 24, 36 or 48 month offer nd purchses of $2500 or more re eligible for 60 month offer. The minimum monthly pyment shown on your billing sttement will include the fixed monthly pyment. The minimum monthly pyment mount shown on your billing sttement is required to keep your ccount current. You hve the option of pying more thn the required minimum monthly pyment. Promotionl Options * No Interest if Pid in Full within 6, 12, 18 or 24 Months Offer pplies only to single-receipt qulifying purchses of $200 or more. No interest will be chrged on the promotionl purchse if you py the promotionl purchse mount in full within the promotionl period which my be 6, 12, 18 or 24 months. If you do not, interest will be chrged on the promotionl purchse from the purchse dte. If your purchse qulifies for 24 month promotionl offer, fixed monthly pyments re required equl to % of initil promotionl purchse mount until promotion is pid in full. The fixed monthly pyment will be rounded up to the next highest whole dollr nd my be higher thn the minimum pyment tht would be required if this ws non-promotionl purchse. For ll other promotionl offers, the regulr minimum monthly pyment terms of the ccount will pply. Regulr ccount terms pply to non-promotionl purchses nd, fter promotion ends, to promotionl blnce, except the fixed monthly pyment will pply until the promotion is pid in full. For new ccounts: Purchse APR is 26.99%; Minimum Interest Chrge is $2. Existing crdholders should see their credit crd greement for their pplicble terms. Subject to credit pprovl. ** 14.90% APR nd Fixed Monthly Pyments Required Until Pid in Full Interest will be chrged on promotionl purchses from the purchse dte t reduced 14.90% APR, nd fixed monthly pyments re required until promotion is pid in full nd will be clculted s follows: on 24 month promotions % of initil promotionl purchse mount; on 36 month promotions % of initil promotionl purchse mount; on 48 month promotions % of initil promotionl purchse mount; nd on 60 month promotions % of initil promotionl purchse mount. The fixed monthly pyment will be rounded up to the next highest whole dollr nd my be higher thn the minimum pyment tht would be required if this ws non-promotionl purchse. Regulr ccount terms pply to non-promotionl purchses. For new ccounts: Purchse APR is 26.99%; Minimum Interest Chrge is $2. Existing crdholders should see their credit crd greement for their pplicble terms. Subject to credit pprovl. (10)