FR833282333_GE MONEY PLATINUM MASTERCARD
T&C DC PDF

GE MONEY BANK
GE MONEY PLATINUM MASTERCARD® PRICING INFORMATION

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

The APR for purchases is (i) the prime rate plus 16.74% for Premier Accounts or (ii) the prime 
rate plus 23.74% for Choice Accounts.

The  daily  rate  for  purchases  is  (i)  the  prime  rate  plus  16.74%,  times  1/365  for  Premier 
Accounts or (ii) the prime rate plus 23.74%, times 1/365 for Choice Accounts.

Rates  are  determined  when  you  open  your  account,  based  on  your  creditworthiness  and 
other factors.

These rates will vary with the market based on the Prime Rate.

APR for Balance Transfers

The APR for balance transfers is (i) the prime rate plus 16.74% for Premier Accounts or (ii) the 
prime rate plus 23.74% for Choice Accounts.

The daily rate for balance transfers is (i) the prime rate plus 16.74%, times 1/365 for Premier 
Accounts or (ii) the prime rate plus 23.74%, times 1/365 for Choice Accounts.

Rates  are  determined  when  you  open  your  account,  based  on  your  creditworthiness  and 
other factors.

These rates will vary with the market based on the Prime Rate.

APR for Cash Advances

The APR for cash advances is the prime rate plus 23.74%.

Paying Interest

The daily rate for cash advances is the prime rate plus 23.74%, times 1/365.

These rates will vary with the market based on the Prime Rate.

Your due date is at least 23 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month. We will 
begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00.

Fees

Set-up and Maintenance 
Fees

  Annual Fee

None

 Monthly  
Maintenance Fee

Transaction Fees

  Balance Transfer

  Cash Advance

$1.99 per month ($23.88 maximum annually).

Either $10 or 4% of the amount of each transfer, whichever is greater.

Either $10 or 4% of the amount of each cash advance, whichever is greater.

  Foreign Transaction

3% of each transaction.

Penalty Fees

  Late Payment

$0 if balance is less than $16
$15.99 if balance is $16 to $29.99
$29.99 if balance is $30 to $249.99
$39.99 if balance is $250 or more

 
How We Will Calculate Your Balance: We use a method called “daily balance”.

During billing cycles in which interest is charged, for each balance type on your account we figure the interest charge on your 
account by applying the daily rate to the “daily balance” of your account for each day in the billing cycle. A separate daily balance 
will be calculated for the following balance types: purchases, balance transfers, cash advances and other balances that are 
subject to different interest rates, plans or special promotions. 

To calculate the daily interest charge, we do the following steps each day for each balance type: 

•	 First,  we  determine  the  “daily  balance”.  To  determine  the  daily  balance,  we  take  the  beginning  balance  each  day,  add 
any  new  charges  and  fees  posted  that  day,  and  subtract  any  payments  and  credits  posted  that  day.  This  gives  us  the  
daily balance.

We apply fees among various balance types as follows: 

(a) 

late payment fees are treated as new purchases;

(b)  debt cancellation fees are added proportionately to each balance; 

(c)  cash advance and stop payment fees are added to the cash advance balance;

(d)  balance transfer fees are added to the balance transfer balance; and 

(e) 

foreign transaction fees are added to the purchase balance.

•	 Second,	we	calculate	the	amount	of	interest	charged.	To	do	this,	we	multiply	the	applicable	daily	rate	by	each	daily	balance	

on your account.

•	 Third,	 we	 add	 the	 interest	 amount	 to	 the	 daily	 balance,	 and	 the	 sum	 will	 become	 the	 beginning	 balance	 for	 the	 

following day.

Your interest charge for the billing cycle is the sum of the interest amounts that were charged each day during the billing cycle 
for each balance type. 

Variable Rate Information

The prime rate for a billing cycle is the highest bank prime loan rate published in The Wall Street Journal in its Money Rates 
section on the last business day of the calendar month preceding the first day of the billing cycle.

If the prime rate increases, the daily rates (and corresponding APRs) may increase. As a result, interest, your total minimum 
payment and the number of payments it would take you to pay off your account balance may increase. We will apply any change 
in the daily rates because of a prime rate change to your entire account balance. A change in the prime rate will take effect on 
the first day of the billing cycle after the change. We may select a new interest rate index if the prime rate is not available.

GE MONEY PLATINUM MASTERCARD® ACCOUNT AGREEMENT

1.  CONTRACT.  This  Agreement  (“Agreement”)  is  a  contract  for  the  extension  of  credit.  It  controls  your  GE  Money  Platinum  MasterCard  account.  This 
Agreement includes this document and the following documents:

•	 The	application	or	any	other	document	you	submitted	to	us	in	connection	with	the	account;	and

•	 The	privacy	policy	that	is	enclosed	with	or	attached	to	this	document.

By opening or using your account, you agree to the terms of this Agreement. This Agreement starts when (i) you give us an account application we approve or 
(ii) you use your account or let someone else use it, whichever occurs first.

2. PARTIES. The	parties	to	this	Agreement	are	you	and	GE	Money	Bank.	GE	Money	Bank	is	located	at	170	Election	Drive,	Suite	125,	Draper,	Utah	84020.	 
GE Money Bank sometimes is called “us,” “we” or “our” in this Agreement.

3. PROMISE TO PAY. You promise to pay us for all credit that we extend on your account, including credit extended when you let another person use your 
account. You also promise to pay us for all other amounts owed to us under this Agreement.

4. CHANGING TERMS.	Subject	to	the	requirements	and	limitations	of	applicable	law,	we	may	change,	add	to	or	delete	any	of	the	terms	of	this	Agreement,	
including the interest rates, fees and charges.

5. GOVERNING LAW. Except as provided in the Dispute and Claim Resolution (Including Arbitration) provision, this Agreement and your account 
are governed by federal law and, to the extent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement 
has been accepted by us in Utah.

6. CREDIT CARD. We have issued or will send you a GE Money Platinum MasterCard for your use. You are not permitted to allow anyone else to use your 
credit card, but if you do, you will be responsible for such use. You will destroy all the credit card(s) issued on your account if we ask you to do so. 

7.  AUTHORIZED  USER/JOINT  ACCOUNT.  If  you  ask  us  to  send  a  credit  card  to  another  person  that  you  want  to  let  use  your  account,  you  will  be 
responsible for all transactions made by that person. That person will be considered an authorized user. If another person is approved on the account, that 
person will be considered a joint accountholder. Each joint accountholder may use the account and agrees to the terms of this Agreement. No matter which 
joint accountholder uses the account, each of you must pay back the full amount owed on the account. We may treat each of you as one accountholder. For 
example, giving notice to one of you is considered the same as giving notice to both of you. Also, we may follow the instructions that we get from one of you 
even if they differ from instructions given by the other accountholder.

8. USING YOUR ACCOUNT. You may use your account only as stated in this Agreement. You may use your account for the following:

•	 Purchases — You may buy goods or services from any merchant that accepts MasterCard credit cards; 

•	 Cash	Advances	— You may get cash advances as explained in section 9 below; and

•	 Balance	Transfers	—	From	time	to	time,	we	may	offer	you	the	chance	to	transfer	balances	from	your	other	credit	card	accounts	to	this	account.	Unless	
we	tell	you	otherwise,	we	will	treat	balance	transfers	as	purchases.	We	reserve	the	right	to	decline	to	process	any	balance	transfer	request	for	any	reason,	
and will not transfer a balance from any of our affiliates. Transfers will be processed in the order determined by us. If the amount you wish to transfer is 
greater	than	your	available	credit	limit,	we	may	reject	the	request(s).	It	may	take	up	to	four	weeks	for	a	balance	transfer	request	to	be	credited	to	your	other	
credit	card	account(s).	It	is	your	responsibility	to	make	any	payments	required	to	keep	your	other	account(s)	current	and	to	close	your	other	account(s),	if	
you desire. We are not responsible for any charges you may incur on your other account(s) as a result of your balance transfer(s). If you have a dispute with 
a	creditor,	and	pay	the	balance	in	question	by	transferring	it	to	your	account,	you	may	lose	certain	dispute	rights.

You may use your account only for lawful personal, family or household purposes. You may not use your account for internet gambling or illegal purposes. You 
may not use your account to pay amounts you owe us on this account or on other accounts you have with us. These restrictions are for our benefit, and we 
are not responsible to you for enforcing them.

9. Cash Advances. We may offer you the opportunity to get a cash advance in the following ways:

•	 Convenience	Checks.	We may send you convenience checks. We may not honor a convenience check (i) if you filed for bankruptcy, (ii) if the check is 
expired, (iii) if your account is closed, (iv) if the amount of the check would exceed your available credit or cash advance limit, or (v) as otherwise stated on 
your convenience check.

 •	 Cash	and	ATM	Withdrawals.	You can get cash from any institution that accepts the card or account. You can also get cash by making a withdrawal from 
an automated teller machine (ATM) that accepts the card or account. In addition to the fee we may charge, the ATM owner may charge you a fee for using 
the ATM. 

•	 Cash-Like	Transactions. If you use your card or account to buy certain cash-like items, we will treat those purchases as cash advances. Cash-like items 
include, for example, money orders, cashier’s checks, traveler’s checks, electronic or wire transfers, foreign currency or other in-bank transactions, tax 
payments, lottery tickets or other legalized gambling transactions, court costs, bail bonds and fines.

10. CREDIT AND CASH ADVANCE LIMITS. 

A. Assigning Limits. We will assign the following limits on your account. We may increase or decrease either or both of these limits at any time.

•	 Credit	Limit	– This is the highest amount of total credit we will extend to you on your account.

•	 Cash	Advance	Limit – This is the highest amount of credit we will extend to you for cash advances made on your account. Cash transactions will also 

count towards your credit limit. 

B. Exceeding Limits. We may refuse to authorize you to use your account if that use (including any fees associated with that use) will cause the total you will 
owe on your account to be more than your credit limit. You may not get a cash advance if that cash advance (including interest and cash advance fees) will 
cause the total you will owe for cash advances on your account to be more than your cash advance limit. If we approve a transaction that causes the total you 
will owe on your account to be more than your credit limit or the total you will owe for cash advances on your account to be more than your cash advance limit, 
we do not give up any of our rights under this Agreement and we do not treat it as an increase in your credit limit.

C. Limiting Purchases, Balance Transfers or Cash Advances. We reserve the right to not approve transactions on your account. To prevent fraud, we may 
also limit the number or dollar amount of purchases, balance transfers or cash advances you can make in a particular amount of time.

11. INTEREST. This section explains (i) the interest rates that will apply to your account, (ii) when interest will be charged on your account, and (iii) how the 
amount of interest is calculated.

A. Rates. The following rates apply to purchases, balance transfers, and cash advances. The Annual Percentage Rates (APRs) applicable to your account are 
shown in the table above and will also be shown on your billing statement.

We	calculate	interest	on	the	balance	of	your	account	each	day.	We	use	a	daily	rate	to	calculate	the	interest	each	day.	The	daily	rate	is	equal	to	the	APR	divided	
by 365. All of the APRs and the daily rates on your account vary with the market based on the prime rate. The rates applied during a billing cycle are calculated 
based on the prime rate. The prime rate for a billing cycle is the highest bank prime loan rate published in The Wall Street Journal in its Money Rates section on 
the last business day of the calendar month preceding the first day of the billing cycle. 

1. Purchase Rate. 

For Premier Accounts: The daily rate for purchases is the prime rate plus 16.74%, times 1/365. As of June 1, 2010, the daily rate for purchases was 
.05477% (APR 19.99%).

For Choice Accounts: The daily rate for purchases is the prime rate plus 23.74%, times 1/365. As of June 1, 2010, the daily rate for purchases was .07395% 
(APR 26.99%).

2. Balance Transfer Rate. 

For Premier Accounts: The daily rate for balance transfers is the prime rate plus 16.74%, times 1/365. As of June 1, 2010, the daily rate for balance transfers 
was .05477% (APR 19.99%).

For Choice Accounts: The daily rate for balance transfers is the prime rate plus 23.74%, times 1/365. As of June 1, 2010, the daily rate for balance transfers 
was .07395% (APR 26.99%).

3. Cash Advance Rate. The daily rate for cash advances is the prime rate plus 23.74%, times 1/365. As of June 1, 2010, the daily rate for cash advances 

was .07395% (APR 26.99%).

4. Daily  Rates  May  Vary.  If  the  prime  rate  increases,  the  daily  rates  (and  corresponding  APRs)  may  increase.  As  a  result,  interest,  your  total  minimum 
payment and the number of payments it would take you to pay off your account balance may increase. We will apply any change in the daily rates because 
of a prime rate change to your entire account balance. A change in the prime rate will take effect on the first day of the billing cycle after the change. We 
may select a new interest rate index if the prime rate is not available. 

B. When We Charge Interest. We charge interest as described below.

1. Purchases. We charge interest on your purchases from the date you make the purchase until you pay the purchase in full, except as set forth below:

•	 We will not charge you interest during a billing cycle on any purchases if (i) you had no balance at the beginning of the billing cycle or (ii) you had such a 

balance, you paid that balance in full by the due date in that billing cycle.

•	 We	will	credit,	as	of	the	beginning	of	the	billing	cycle,	any	payment	you	make	by	the	due	date	that	we	allocate	to	purchases	if	(i)	you	had	no	balance	at	

the beginning of the previous billing cycle, or (ii) if you had such a balance, you paid that balance in full by the due date in the previous billing cycle.

2. Balance Transfers and Cash Advances. We charge interest on your balance transfers and cash advances (and their related fees) from the date you 

make the transaction until you pay them in full. You cannot avoid paying interest on balance transfers or cash advances or on their fees.

C. How We Calculate Interest. During billing cycles in which interest is charged, for each balance type on your account we figure the interest charge on 
your account by applying the daily rate to the “daily balance” of your account for each day in the billing cycle. A separate daily balance will be calculated 
for  the  following  balance  types:  purchases,  balance  transfers,  cash  advances  and  other  balances  that  are  subject  to  different  interest  rates,  plans  or  
special promotions. 

To calculate the daily interest charge, we do the following steps each day for each balance type: 

•	 First, we determine the “daily balance”. To determine the daily balance, we take the beginning balance each day, add any new charges and fees posted 

that day, and subtract any payments and credits posted that day. This gives us the daily balance.

We apply fees among various balance types as follows: 

(a) late payment fees are treated as new purchases;

(b) debt cancellation fees are added proportionately to each balance; 

(c) cash advance and stop payment fees are added to the cash advance balance;

(d) balance transfer fees are added to the balance transfer balance; and 

(e) foreign transaction fees are added to the purchase balance.

•	 Second,	we	calculate	the	amount	of	interest	charged.	To	do	this,	we	multiply	the	applicable	daily	rate	by	each	daily	balance	on	your	account.

•	 Third,	we	add	the	interest	amount	to	the	daily	balance,	and	the	sum	will	become	the	beginning	balance	for	the	following	day.

Your interest charge for the billing cycle is the sum of the interest amounts that were charged each day during the billing cycle for each balance type. We charge 
a minimum of $2.00 of interest in any billing cycle in which you owe interest and this charge is added proportionately to each balance type. 

12. FEES. We charge the following fees. The table at the beginning of this Agreement shows the amount of each fee.

A.  Monthly  Maintenance  Fee.  The  monthly  maintenance  fee  will  not  be  assessed  for  any  billing  cycle  for  which  your  ending  balance  is  zero  or  a  
credit balance.

B. Transaction Fees. 

1. A Balance Transfer Fee for each balance transfer you make. 

2. A Cash Advance Fee for each cash advance you get. For ATM cash advances, this fee is in addition to any fee the ATM owner may charge you for using 

the ATM. 

3. A Foreign Transaction Fee for	purchases	or	cash	advances	you	make	in	currencies	other	than	U.S.	dollars	and/or	in	a	country	other	than	the	U.S.,	

whether or not the transaction was in a foreign currency.

C. Penalty Fees. A Late Payment Fee if we do not receive at least the total minimum payment due on your account by 5:00 p.m. (ET) on the due date. The 
amount of the Late Payment Fee will be based on your account balance on the date the Late Payment Fee is posted to your account.

D. Other Fees. A Stop Payment Fee of	$20.	We	charge	this	fee	if	we	stop	payment	on	any	convenience	check	at	your	request.	

13. PAYMENTS. 

A. Required Payment and Crediting of Payment. Each billing cycle you must pay at least the total minimum payment by 5:00 p.m. (ET) on the payment 
due date. You may at any time pay more than the total minimum payment. If you have a balance subject to interest, earlier payment may reduce the amount 
of interest you will pay. Any payments received after 5:00 p.m. (ET) will be credited as of the next day. We may delay making credit available on your account 
in the amount of your payment.

B. Minimum Payment. Your total minimum payment is the sum of the following:  

1. Any past due amounts; and

2. The greater of either:

(a) $20; or

(b)  the sum of (i) the interest, (ii) any late payment fees charged to your account in the current billing cycle and (iii) 1.0% of the new balance shown on your 

billing statement. 

We round up to the next highest whole dollar in figuring your total minimum payment. If your new balance on your billing statement is less than $20, then your 
total	minimum	payment	will	be	equal	to	the	new	balance.	

C.	How	to	Make	a	Payment.	To make a payment you must follow all the instructions below and the instructions on your billing statement. If you do not, credit 
of your payment to your account may be delayed up to five days. 

1. Do the following: (a)	make	your	payment	in	United	States	dollars	by	check,	money	order,	or	similar	instrument	from	a	bank	located	in	the	U.S.;	(b)	send	
the payment coupon from your billing statement with your payment; (c) send the payment and payment coupon in the envelope provided with your billing 
statement to the payment address listed on your billing statement; and (d) send only one payment and one payment coupon in each envelope. Alternatively 
you	may	make	your	payment	online	at	the	website	address	shown	on	your	billing	statement	provided	you	make	your	payment	in	United	States	dollars	from	
a	bank	located	in	the	U.S.

2. Do not do the following: (a) staple, paper clip, tape or fold your payment or payment coupon; (b) include any other papers or items with your payment; 

(c) use a balance transfer or convenience check from your account to pay us; or (d) send us cash. 

D.	Other	Ways	to	Make	a	Payment.	We may allow you to make payments over the phone as an accommodation to you, but we may charge you a fee to 
do so.

E. Disputed Amounts. If you send us correspondence about a disputed amount, you must send it to the address for billing inquiries shown 
on your billing statement. You may not send it to the payment address shown on your billing statement. By “disputed amount”, we mean a  

 
 
payment of less than the full balance on your account that is labeled as “payment in full” or similar language, or is given to us as full satisfaction 
of a disputed amount, or is given to us with other conditions or limitations. We may accept these types of payments without giving up any of 
our rights. 

F. Authorization. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, 
funds  may  be  withdrawn  from  your  account  as  soon  as  the  same  day  we  receive  your  payment,  and  you  will  not  receive  your  check  back  from  your  
financial institution. 

G. Payment Allocation. We	reserve	the	right	to	select	the	method	by	which	the	required	minimum	payment	is	allocated	to	different	balances	on	your	account.	
Some	or	all	of	the	required	minimum	payment	on	your	account	will	be	applied	to	lower	APR	balances	before	higher	APR	balances.	The	payment	allocation	
method that we use may result in higher interest on your account or reduced savings attributable to any special promotions. Any payment you make in excess 
of	the	required	minimum	payment	will	be	allocated	to	balances	with	higher	APRs	before	balances	with	lower	APRs,	unless	applicable	law	requires	or	permits	
otherwise (such as when your account has a certain type of special promotion).

14. SPECIAL PROMOTIONS. At times, we may offer you special promotions when you use your account for certain transactions. These special promotions 
will have some terms that are different from the terms in this Agreement. The provisions of this Agreement apply to any special promotion, unless otherwise 
provided under the terms of the special promotion. We may terminate your participation in any special promotion if you become more than 60 days late on any 
payment due on your account. If this happens, each special promotion balance will no longer be subject to the terms of the special promotion and will instead 
be subject to the terms of this Agreement. Please see any special promotion advertising (including in-store signs) or other disclosures provided to you for the 
full terms of any special promotion offered.

15. CURRENCY CONVERSION. If	you	make	a	transaction	with	your	account	in	a	currency	other	than	U.S.	dollars,	MasterCard	will	convert	the	transaction	
amount	into	U.S.	dollars	using	its	currency	conversion	procedure.	Under	the	currency	conversion	procedure	that	MasterCard	currently	uses,	the	non-U.S.	dollar	
transaction	amount	is	converted	into	a	U.S.	dollar	amount	by	multiplying	the	transaction	amount	in	the	non-U.S.	dollar	currency	by	a	currency	conversion	rate.	
The currency conversion rate that MasterCard typically uses is either a government mandated rate, or a wholesale rate provided to MasterCard. The currency 
conversion rate that MasterCard uses for a particular transaction is the rate MasterCard uses for the applicable currency when the transaction is processed. 
This rate may differ from the rate in effect when the transaction occurred or when it was posted to your Account, and may be higher than the rate you could 
have	gotten	if	you	had	converted	U.S.	dollars	into	the	foreign	currency.	

16. UNAUTHORIZED USE. If you notice the loss or theft of your credit card or possible unauthorized use of your card, you should call us immediately at: 
1-866-423-3796.	You	will	not	be	liable	for	any	unauthorized	use	on	your	account.	

You agree that unauthorized use does not include use by a person to whom you have given your card or allowed use of your account. You will be responsible 
for all use by such a person.

17. YOUR CREDIT REPORTS AND ACCOUNT INFORMATION. 

A. Using and Sharing Your Information. When you applied for an account you gave us information about yourself. You also agreed that we could ask 
others for information about your creditworthiness and that we could ask consumer reporting agencies for your consumer report. We use this information 
in considering your application. We also use this information for any updates, renewals or extensions of credit on your account. We use this information to 
review and collect your account. We use this information to provide you with offers. We may give information about you or your account to consumer reporting 
agencies and other proper parties. This information may include your performance under this Agreement. 

B.	Inaccurate	Information.	Tell	us	if	you	think	we	reported	wrong	information	about	you	to	a	consumer	reporting	agency	(also	called	a	credit	
bureau). Write to us at P.O. Box 981400, El Paso, TX 79998-1400. In your written communication, tell us what information is wrong and why you 
think	it	is	wrong.	If	you	have	a	copy	of	the	credit	report	that	includes	the	wrong	information,	send	a	copy	of	it	with	your	written	communication.	
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be 
reflected in your credit report.

18. USE OF INFORMATION ABOUT YOU AND YOUR ACCOUNT. We will use information about you and your account as set forth in the privacy policy that 
is attached to or enclosed with this document. 

19. CHANGE OF ADDRESS/PHONE NUMBER. You agree to tell us right away if you change your address or phone number(s). We will contact you at the 
address in our records until we are able to update our records with your new address.

20. CONSENT TO COMMUNICATIONS. You consent to us contacting you using all channels of communication and for all purposes (including collection 
purposes), using all contact information you provide to us. You also consent to us and any other owner or servicer of your account contacting you about 
your  account,  including  using  text  messages,  any  automatic  telephone  dialing  system  and/or  an  artificial  or  prerecorded  voice  when  contacting  you, 
even  if  you  are  charged  for  the  call  under  your  phone  plan.  You  are  responsible  for  any  charges  for  contacting  you  that  may  be  billed  to  you  by  your  
communications carriers.

21. TELEPHONE MONITORING. For	quality	control	purposes,	you	permit	us	to	listen	to	or	record	telephone	calls	between	you	and	us.

22. CLOSING YOUR ACCOUNT. 

A. When You May Close Your Account. You may close your account at any time by writing or calling us and asking us to close your account. You must 
send this writing to the address shown on your billing statement or call us at the customer service number shown on your billing statement. We will close your 
account	after	we	get	your	request.

B.  When  We  May  Close  Your  Account.  Subject	 to	 the	 requirements	 and	 limitations	 of	 applicable	 law,	 we	 may	 close	 your	 account	 at	 any	 time	 and	 for	 
any reason.

C. After You or We Close Your Account. If you or we close your account, you must stop using it. You will still have to pay us the full amount you owe on 
your account. This Agreement controls your account until you pay it in full.

23. DEFAULT.	Subject	to	the	requirements	and	limitations	of	applicable	law,	you	are	in	default	if	you:

•	 Make	a	late	payment;

•	 Do	not	follow	any	other	term	of	this	Agreement;	or

•	 Become	bankrupt	or	insolvent.

If	you	default	or	upon	your	death,	we	may,	subject	to	the	requirements	and	limitations	of	applicable	law:	(i)	make	the	full	amount	owing	on	your	account	due	
right away; (ii) bring a legal action to collect all amounts owed; and/or (iii) take any action allowed by law. We may also reduce your credit limit or close your 
account at any time whether or not you are in default.

24. COLLECTION COSTS. If we ask an attorney to collect your account, we may charge you our collection costs. Collection costs may include court costs 
and reasonable attorneys’ fees. We will charge these costs only if the attorney we ask to collect is not our salaried employee and the law allows us to do so. 

25. DISPUTE AND CLAIM RESOLUTION (INCLUDING ARBITRATION) PROVISION.

General/Requirement to Arbitrate. 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  replaces  any  existing  arbitration  provision  with  us  and  will  stay  in  force  no  matter  what  happens  to  your  Account,  
including termination.

Upon	demand,	and	except	as	otherwise	provided	below,	you	and	we	must	arbitrate	individually	any	dispute	or	claim	between	you,	any	joint	cardholder	and/or	
any additional cardholder, on the one hand; and us, our affiliates, and agents, on the other hand, if the dispute or claim arises from or relates to your Account. 
However,	we	will	not	require	you	to	arbitrate:	(1)	any	individual	case	in	small	claims	court	or	your	state’s	equivalent	court,	so	long	as	it	remains	an	individual	
case in that court; or (2) any claim by us that only involves our effort to collect money you owe us. However, if you respond to a collection lawsuit by claiming 
that	we	engaged	in	any	wrongdoing,	we	may	require	you	to	arbitrate.

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 a court may decide whether any part of this paragraph is enforceable. If it is finally determined that this paragraph is 
not fully enforceable, only this sentence of the Provision will remain in force and the remainder of the Provision will be null and void, provided that the court’s 
determination concerning the enforceability of this paragraph shall be subject to appeal.

Starting an Arbitration. If you or we elect to arbitrate a claim, the electing party must notify the other party in writing. This notice can be given after the 
beginning of a lawsuit and can be given in papers filed in the lawsuit. Otherwise, your notice must be sent to GE Money Bank, Legal Operation, P.O. Box 29110, 
Shawnee	Mission,	KS	66201,	ATTN:	ARBITRATION	DEMAND	and	our	notice	must	be	sent	to	the	most	recent	address	for	you	in	our	files.	The	party	seeking	
arbitration must select as the arbitration administrator either the American Arbitration Association (“AAA”), 1633 Broadway, 10th Floor, New York, NY 10019, 
www.adr.org,	(800)	778-7879,	or	JAMS,	620	Eighth	Avenue,	34th	Floor,	New	York,	NY	10018,	www.jamsadr.com,	(800)	352-5267.	If	neither	the	AAA	nor	
JAMS	is	able	or	willing	to	handle	the	dispute,	then	the	parties	will	resolve	their	dispute	in	court.	

The  arbitration  administrator  will  appoint  the  arbitrator  and  tell  the  parties  what  to  do  next.  The  arbitrator  must  be  a  lawyer  with  at  least  ten  years  legal 
experience. In making decisions or awarding remedies, the arbitrator must apply the same law and legal principles that would apply in court, but may use 
different procedural rules. If the administrator’s rules conflict with this Provision, this Provision will control.  

Arbitration Location and Fees.	The	arbitration	will	take	place	at	a	location	reasonably	convenient	to	you.	Upon	your	request,	we	will	normally	pay	all	the	fees	
the administrator or arbitrator charges, if we believe you are acting in good faith. We will always pay these arbitration costs, as well as your legal fees and costs, 
to	the	extent	required	under	applicable	law	or	in	order	for	this	Provision	to	be	enforced.	

Governing Law. This	Provision	is	governed	by	the	Federal	Arbitration	Act	(the	“FAA”).	Utah	law	shall	apply	to	the	extent	state	law	is	relevant	under	Section	2	
of the FAA in determining the validity of this Provision. The arbitrator must follow: (1) the substantive law, consistent with the FAA, that would apply if the matter 
had been brought in court, (2) this Provision, and (3) the administrator’s rules. The arbitrator’s decision will be final and binding, except for any appeal right under 
the FAA. Any court with jurisdiction may enter judgment upon the arbitrator’s award.

Rejecting this Provision. You may reject this Provision, in which case only a court may be used to resolve any dispute or claim. Rejection will not 
affect any other aspect of [the cardholder agreement]. To reject, you must send us a notice within 60 days after you open your account or we first provide you 
with	a	right	to	reject	this	Provision.	The	notice	must	include	your	name,	address,	and	account	number	and	be	mailed	to	GE	Money	Bank,	P.O.	Box	981429,	 
El	Paso,	TX	79998-1429.	This	is	the	only	way	you	can	reject	this	Provision.	

26. WAIVER. We may decide to give up any of our rights under this Agreement. This includes our right to impose the full amount of any charge. If we do, we do 
not give up any of our other rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in another situation. 
Except as we may agree in a signed writing, we do not give up any rights if we (a) accept a late or partial payment, (b) accept a check or other payment marked 
“payment in full” or tendered with other conditions or limitations, (c) extend the due date of any payment due under this Agreement, and/or (d) release any 
collateral or person responsible for your obligations under this Agreement.

27. ASSIGNMENT. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account. This includes our rights to payments. 
We do not have to give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account.

28. SEVERABILITY. If any part of this Agreement is found to be void or unenforceable under applicable law, all other parts of this Agreement will still apply.

29. ENTIRE AGREEMENT. This Agreement, along with the other documents listed in section 1 above, are the entire Agreement between you and us relating 
to your account. These documents replace any other agreement relating to your account that you and we made earlier or at the same time. This Agreement 
may not be changed except as provided in this Agreement.

Your Billing Rights: Keep this Document for Future Use

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

GE Money Bank
P.O.	Box	981401
El	Paso,	TX	79998-1401

In your letter, give us the following information:

•	Account information: Your name and account number.

•	Dollar amount: The dollar amount of the suspected error.

•		Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

•	Within	60	days	after	the	error	appeared	on	your	statement.

•		At	least	3	business	days	before	an	automated	payment	is	scheduled,	if	you	want	to	stop	payment	on	the	amount	you	think	is	wrong.

 You must notify us of any potential errors in writing.	You	may	call	us,	but	if	you	do	we	are	not	required	to	investigate	any	potential	errors	and	you	may	
have	to	pay	the	amount	in	question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•	We	cannot	try	to	collect	the	amount	in	question,	or	report	you	as	delinquent	on	that	amount.

•	The	charge	in	question	may	remain	on	your	statement,	and	we	may	continue	to	charge	you	interest	on	that	amount.

•	While	you	do	not	have	to	pay	the	amount	in	question,	you	are	responsible	for	the	remainder	of	your	balance.

•	We	can	apply	any	unpaid	amount	against	your	credit	limit.

After we finish our investigation, one of two things will happen:

•		If we made a mistake:	You	will	not	have	to	pay	the	amount	in	question	or	any	interest	or	other	fees	related	to	that	amount.

•		If we do not believe there was a mistake:	You	will	have	to	pay	the	amount	in	question,	along	with	applicable	interest	and	fees.	We	will	send	you	a	
statement	of	the	amount	you	owe	and	the	date	payment	is	due.	We	may	then	report	you	as	delinquent	if	you	do	not	pay	the	amount	we	think	you	owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we 
cannot	report	you	as	delinquent	without	also	reporting	that	you	are	questioning	your	bill.	We	must	tell	you	the	name	of	anyone	to	whom	we	reported	you	
as	delinquent,	and	we	must	let	those	organizations	know	when	the	matter	has	been	settled	between	us.

If	we	do	not	follow	all	of	the	rules	above,	you	do	not	have	to	pay	the	first	$50	of	the	amount	you	question	even	if	your	bill	is	correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been 
more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company 
that sold you the goods or services.)

2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit 

card	account	do	not	qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:

GE Money Bank
P.O.	Box	981401
El	Paso,	TX	79998-1401

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At 
that	point,	if	we	think	you	owe	an	amount	and	you	do	not	pay,	we	may	report	you	as	delinquent.

FR833282333_GE MONEY PLATINUM MASTERCARD
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