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GEMB 1

GEMB 1

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Published by: LUE on Jun 09, 2010
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09/29/2010

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:ion
and
only
to
Credit
Its
YourCho!ce
-
Yoo
haVe
the
rklhtlD
~wt
ofourmanng
ofinformallon
wiIh
"
PRIVACYPOUCY
cst.an
tliRI
P<ries,
as
desaIbed"beIaN.
To
opt
out
pleaSe
call
us
Ioft.free
at
1-877-28U389
or
write
to
us
at
P.O.
Bole
6160,
RapId
~.
SO
5T11l9-
6160.
If
you
have
previouslyInformed
us
of
your
prefenmce,
you donot
need
to
do
soagain.
.
;,'
:.
~
'.:
','
(11)
as
described~'Jfi
~
f!IY'asdesaibedlnlhls
a:.nllooe
10
share
transldons
and
Iy.
If
you
have
a
joint
a:x:ount,
a
request
by
one
PCI1v
I'Iil
appy
10
aJ paifies
on
lheacooJlt
.
• 
We
will
process
your
~ u e s i
promplly.
However.
it
may
take
us
several
weeks
iii
eIlSUJe
lhct
III
eCooIs
are
ubdaIed
wiIh
you
~
In
tle
i!1lerim.
you
may
coothIe
to
be
induded
in
prograns
as
desailed
above.
A!!!9.
-
~
l!!IlIJest
is
~ ,
you
[II!Y
sOO
I!fI
conlacled
bv
our
aIIiliates
IriIIor
orner
c:anpliIlIes
baseQ
on1II1lt
O'M\
in!
• 
Even
if)OU
OIt
rut.
we
IIIII
conti1ue
to
prcMde
)OU
wiIh
biling
ilse!Is
anti
mal
notices
Of
spec::aI
oIfets
and
new
benefs.
6101/05
6101/05
M-75474
(12)
.",
;,.~,
'
CReDlF~aexaAENT
11
GENERAL
This
Agreement ('AQreement) governs your Select
Comfort
credit
card
account
rAccounrj.
In
this
Agreement
and your
bnling
statement
iStatement'),
"we'.
'us',
and
'our'
means
GE
Money
Bank,
4246
SouthRiverboatRoad,Suite
200,
Salt
Lake
City.
UT
~123-2551.
"you'
and
"your"
means all persons who
we
approve
to
use
the
Account; and
'Card"
means
ypur Select
Comfort
Credit
Card.The effective data
of
Ibis
~ r e e m e n t
WU
be
the
eai1ier
of
(0
Ihe
date
you
submit
an
Actount applicalion
1!Iat
is
approved
by
us.
or 6i)
Ihe
IiIst
date
lila!
you
or
someone
authorized
by you uses
1I1e
Account
2. USE OF
ACCOUNT.
You
may
use
yourAccount
to
purchase
gOOds
or
services
("Purchases")
or
to
obtai!
cash
advances
by
writing
checks
,
\Checks;
we
may
provide
to you
from
lime to lime or
byother
means
W!
mey make
available ("Casb
Advances"),up
to
any
credit limit
wemey
estabUsh
("Credit
ll!llir).
We may
Imlt
your
Cash
Advances
to
a
pprlion
of
your
credit
limit
(your'Cash
Umlt')
and
If
wedo
so,
youagree
not tolake
Cash AdVances
in
e.xteSS
oi
your
Cash
Umlt
We
may
decline
to
authorize
any
Purchaseor
Cash Advance
or
change
your CreditLimit
at
any
time.
You may
use your Account only for
personal,
family or household
purposes.
i
3.
PROMISE
TO
PAY. You
promise
to
pay
us
for
all
crecfll
that
we
eXtend
on
your
Account
for
Purchases. Cash Advances. and all
other
amounts owed
to
us
under the
lerms
of
this
Agreement
4: PERIODIC FINANCE CHARGES.
A.
The
!olaf
pf!I1odlc
Flnance Charge
imposed
in
a
blililg
pl!rlod
rcur-
renl
BiIII1g
Period")
is
thetotal
of
Q)
the
dally
pElfodlc
fk1ance
Charges on
PUrchases
and
GasIl Advances
in
the
Current
Billing
Period,
Ilus
-,
_..
."
-
-,
Cash
Advance
balance
aiId
any
balance
of
Purcl1asi!s
made
-under
any
Special Payment
Plan.
in
fuR
on or
befool Ihe
Payment
DueOa!e
for
suchbillingperiod.Inaddition,
there
.
wi!
be
no
period'1C
finance
Charges
imposed
in
lIle
Current
BjUi~
Period
onany new
Purchases
inIhePrevious
Bi(1I1!J
Period
if
dailyFinance Charges were imposed
al
1!Iose
new PurchasesIn
the
PrevIous
BDlng
Period.
B.
The
periodlc
Finance Charge
Im(:losed
in
Ihe
CtlTent
Bilftng Period
on
Purchases or Cash
AIMlnces
for
the
Curreill
Billng
Period
Is
de
mined
by
mullipl)ing
the
Periodic Rate
for
1I1e
CUrren!
Billing
Per
iod times
Ilia
Daily Balances
of
Purchases
or
Cash
Advances
in
the
Current
BiIUng
Period
to
determine
the
daily!leliodic
Finance
C/lages,
and
adding
loge1i1er
those dally
periodic
F1nance
ChaJges
for
each
dayin
the Current
E
""
---.
posed
In
the
Currenl
ous
Billing
Period
Is
dateriiilned
by
multiplying
the
Periodic Rate for
the
Current
Bi111n9
Period times
the
Dally Balances
of
new
Pur
chases
in
1I1e
Pr8VlOUS
Billing
Period
to
de!ennine
the daily
period'C
Finance Charges.
and
addklg
toge1her
those
daily
peIiodiCFlnanceCharges
for
each
dlrf
in
Ihe
Previous
Billing
"Period.
However,
there
Is
a
minimum penodic FINANCE CHARGE
of
$1
for
a
billing
periodinwhich
a
periodic
FinanceCharge
is
assessed
C.
The
perodic
Rla1oe=es
Wll
be
deIemiIed
sepa!lIIliIy for
chlilges
Inllmld
under
Brrf
Payment
Plan
in
aoco:danoe
With
Ihe
fIlIms
esl!tliished
for
such
Payment
Plan.
\fJu
tmdersland
end
(!J)o
kncINIedge
that
this
Account
prr1Ifdes
for
the
dailyoompoundi"J
of
per-
iod/r: FInance
Charges.
(1)
 
5.
PERIODIC
RATES.
A.
TIle
Periodic
Rate
for
your Dally
Blianceof
Purchases
is
_Ie
Pur-
chase
Standard
Rate,
unless
the Delinquency
Rate
applies
as
de-
SCfIled
below.
ThePurchase
standard
Rate for
a
billing
oeriod
is
the
greater
of
Iil!he
Prime
Rate plus
15.90%. times
11365,
or
(i)
.06011%
(ANNOAL
PERCENTAGE RATE
21.90%).
TIle
Pun::hase
O\'l
Standard
Rate
shml
not
exceed
.0678%
(ANNUAL
PERCENTAGE
RATE
24.75%~
The
'Prime
Rate"
for
a
liJIielthe
\i9hest
bank
prine
ban
rate
as publl\lhed in
Jhe
w~
i:le
n
i1s
Money Rates
section on
lila
fillll
buSIIless
9 e
in;tday
(If
the
blUIng
period.
As
of
June
1
2005
the
Pun::hasi!
standard
Rlitewas
.0600%
(ANNUAl
PERC~TAGE
RATE
21.1IQ%).
-
B.
The
Periodic
Rate
for
your
Daily Balance
of
Gash
Advancesisthe
Gash
Standard Rate,
unless !he
DelinQuency Rate applies
as de-scribed beklw. The
Cash
standard Rate for
a
bUIna
1$
the
of
~l
the
Pl1me
Rate
Dlus
15.90%.
times
1/365;
or
rril
.0600%
NUAL
PERCENTAGE
RATE
21.90%).
The
Cash
standard
~
shall
not
exceed
.0678%
(ANNUAl
PERCENTAGE
RATE
24.15%~
As
of June
1, 2005,1he Cash
standard
Rate
was
.0&00%
(ANNUAL
PERCENTAGE RATE
21.9O%J.
:.:
:::
6.
BALANCE SUBJECT TOPERIODICFINANCE
CHARGES.
be
treated
as zero.
Pur-
in
the
DailY
Balance of
,
at
our option, as
of
lila
un!.pay
at
least the f.tnimum Pavrnent
on
yourStatementrlt
Due Date shown
on the'Statement:
You
may
payYour Mlnlmuni
PaY-
New
BIiance
minus
It
Plan
that
Involves
next
highest dollar!Minimum Paymen!5.
You
must
Payment
(3)
,
;;:;:::'~'
..
'
E.
We
reseMl!he
~ht
III
obIaIn
paymmt eIeI:toricaly
for
!S'fI
cited!
«
dher
instrumeIlt
flat
SEnd
III
us
I7J
lnitiatir1!
I.Il
ACH
(eIedrofiC)
debit
In
the
amoont
~ r
check
IX"
insl1unenIIll)Wl"
aa:.oont.
Yotr
dIeck
IX"
iIem
v.t
nctbe
reIumed
III
you
by
us
ri
yru
bank.
9.
FEES.
You
agree
lr.l
pay
IlIt
foIlowIlg
fees.
A.
A
..aIa
Payment
Fee,
if
we
have
not
received your
MnilIlIIl
Pay-
ment
by
llie
Payment
Due
cae
sIlrNm
on your
Statement
The a-
mount
Of
!he
I.ale
PaymeIi
Fee
wi
be
based
on
yaK
New
Bliln:e
attheendcfthebJingpaiod
EiIldi"G
derlhe
PaymertDue Date.
The
late
~
Fee
Wlrbe
$15
fir
a
New
Bam:e
under $99.99;
$29
for
a
NeN
BaIEme
d
$100.00
III
$999.99;
all
$35
for
a
BImle
of
$1000.00
or
more.
B.
A
ReIumed
CIlec:k
Fee
of
$00
if!l1Y
check
X"
oilier
ins1ument
sent
Ibus, or
!I1Y
eIecIronic:
payment
au1horization
you
provide us In
~
men!
on
yoor
Aa:ount,
IS
not
honored
upon
fi"sl
presenment,
even
if
!he
dieck,
irnIlnIment
«
eledronic
authoIil:etion
Is
IiiII!ir
honored.
C.
AA
Over!.knit Fee
cf
$30
lOr
each
billing
period
II
~
your
New
Balance
as
~
on
your
SIaIimEI1t
exceeds
yoor Credi
umt.
We
may
assess
an
Over
[/d
Fee even
If
we
autIiaizs
Ihe
Ir.:1nSactions
on
yoor Aa:olI1t
1hit
caused
you
10
exceed
your
ereat
UTi
IX"
if
youexceed
your
CreditUIIIt
as
a
reSlft
of
unpaid
FIoaooe
Chages.
!heIliIing
of
de!en"ed
accrued
Finar1C8
Clages
or
other
E.
D.
A
Tlllnsadioo
Fee
for
each
Cash
Mtance
I1at
posts
to
your
AD-
CWlI.
This
fee
wi!
be
a
FINANCE
CHARGE
IlQualIo
4%
of
the
amount
oflhe
Cash
Advance,
will
a
rrininlrn
d
$5
and
a
maxmum
of
$50.
E.
A
Returned
Loan
CIleck
Fee
d
$20,
on
your
kcourt
n
the
event
any
Check on}'Ol,l"
A.ccoont
Is
not
honOrl!d
by
us
because(i)
the
DOrton
of
your
Qid
Umit
avaiabIe
fir
CIledIs
is
ilsuIideIt
10
a:Nf!J"
1he
amourt
d
Ihe
Check,
(i)
yqu
have
~
a
De1IIcn in baIlkIupl..y.
(Ii)
Ihe
Check
has
expired,
IX"
(flI)
your
Accruil
has
been
c:Iosed.
Fee
ofU)
ifwe
sfqI
~ o n ! l 1 Y
CIIeck
at
your
,
cIla!ge
yoor
AQ:rut
a
fee
d
$20.
SIlbjEd
III
=
ayreguest
Silatwe sloP.
pay!I)eIlt
o n _ a o ~
6'I~
<r
by
caI&l!I
i : ' r : = ~ ~ ~ ~ ~ 
dlil
buIeen
(14)
days
of
the
cal
or
qJIre.
The
vmten
srop
I)aYIl1eOt
on:Ier
must
Ildude
the
CIlec:k
Rlllliler,
payee.
amount
and
dale
of
the
Check
on
wli:h
payment
Is
10
be
st6pJled.
A
Ni1Ien
step
payment
onIer
will
expire
'*
6)
months
after
we
receive
it
unless
!lie
S\q)
payment
(X"der
Is
renewed in
writing.
a
purchase
money securityInterest
in
each
Hem
of
merchmse
purchased
on
your
Account
to isecure
ils
unpaid pun::hase price
urIiU
such
merchandise
Is
paid
in
fiJll. 
SoiaIr
for the purpose
of
dellmninlng
llie
extent
of
ourpurchasemoney
secuiily
interest
in
each
sud!
item
Of
men::hendlse,
your
paymenls
wil 
,be
allocated
irs!
to
Finance
Chlllges
on
!he Account.
ana
then
to
pay
off
each
Pun::hase
on
the Account
in
the
ortler
in
which
tile
Purchase 
I
wasmade
Pf
morethan one itemwaspurchased on the same
~
your
payments
wUl
be
allocated
to
pay
off
lIle
lowest priced
Itemfirs
. 
If
you made
a
Pun::hase
pursuant
10
a
credit
promo!lon,
!he
balalce
.
respect
to
liIe
promotional Purchase
may
be
shown
on
Slatemenls
dunng the promotional period and may
reftect
a
different
payment
aIIocalion method.
In
no event
wii
we
assert
a
securityinterest
In
!he
promotional
Pun::hase
for
anamount greater
IhI.Il
the
loweSt
balance
Shown
on
a
Statement
for
!hat
promolional
Purchase.
We
agree
Ilat
no
security
interest
Is
or
win
be retained
«
acquired
under this·Agreement
in
any real property
which
Is
used
or
is expected
10
be
used
asyourdwelling.
(4)

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