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" PRIVACYPOUCY It's YourCho!ce - Yoo haVe the rklhtlD ~wt ofourmanng ofinformallon wiIh
cst.an tliRI P<ries, as desaIbed"beIaN. To opt out pleaSe call us Ioft.free CReDlF~aexaAENT

:ion and at 1-877-28U389 or write to us at P.O. Bole 6160, RapId ~. SO 5T11l9­

only to 6160. If you have previously Informed us of your prefenmce, you do 11 GENERAL This Agreement ('AQreement') governs your Select
Credit not need to do so again. Comfort credit card account rAccounrj. In this Agreement and your
bnling statement iStatement'), "we'. 'us', and 'our' means GE Money
Bank, 4246 South Riverboat Road, 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 ~reement WlU 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 your Account 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 by other means
as described~'Jfi ~ W!'l mey make available ("Casb Advances"), up to any credit limit we
f!IY'asdesaibedlnlhls mey estabUsh ("Credit ll!llir). We may Imlt your Cash Advances to a
a:.nllooe 10 share pprlion of your credit limit (your 'Cash Umlt') and If we do so, you
." transldons and agree not to lake Cash AdVances in e.xteSS oi your Cash Umlt We
Ily. may decline to authorize any Purchase or Cash Advance or change
If you have a joint a:x:ount, a request by one PCI1v I'Iil appy 10 aJ paifies on your Credit Limit at any time. You may use your Account only for
lheacooJlt . personal, family or household purposes.
i

• We will process your ~uesi promplly. However. it may take us several

;,' weeks iii eIlSUJe lhct III ieCooIs are ubdaIed wiIh you ~ In tle 3. PROMISE TO PAY. You promise to pay us for all crecfll that we
i!1lerim. you may coothIe to be induded in prograns as desailed above. eXtend on your Account for Purchases. Cash Advances. and all other
A!!!9. - ~ l!!IlIJest is ~, you [IlIi!Y sOO I!fI conlacled bv our amounts owed to us under the lerms of this Agreement
aIIiliates IriIIor orner c:anpliIlIes baseQ on 1II1lt O'M\ in!
:. ~ 4: PERIODIC FINANCE CHARGES.
• Even if)'OU OIlt rut. we IIIiII conti1ue to prcMde )'OU wiIh biling ilse!Is anti
mal notices Of spec::iaI oIfets and new benefils.
A. The !olaf pf!I1odlc Flnance Charge imposed in ablililg pl!rlod rcur­
renl BiIIiI1g Period") is the total of Q) the dally pEllfodlc fk1ance Char­
ges
Iluson
-,PUrchases
_..and _. GasIl."Advances
- in-,the Current Billing
­ Period,
'.:

Cash Advance balance aiId any balance of

Purcl1asi!s made-under any Special Payment Plan. in fuR on or be­
fool Ihe Payment Due Oa!e for such billing period. In addition, there .
wi! be no period'1C finance Charges imposed in lIle Current BjUi~
Period on any new Purchases in Ihe Previous Bi(1I1!J Period if daily
Finance Charges were imposed al 1!Iose new Purchases In the
',' PrevIous BDling 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
day in 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'lC
Finance Charges. and addklg toge1her those daily peIiodiC Flnance
Charges for each dlrf in Ihe Previous Billing "Period. However,
there Is a minimum penodic FINANCE CHARGE of $1 for a billing
period in which a periodic Finance Charge is assessed

C. The periodic Rla1oe=es

Inllmld under Brrf
Wll be deIemiIed sepa!lIIliIy for chlilges
Payment Plan in aoco:danoe With Ihe fIlIms
esl!tliished for such • Payment Plan. \fJu tmdersland end (!J)o
6101/05 kncINIedge that this Account prr1Ifdes for the dailyoompoundi"J of per­
6101/05 M-75474 iod/r: FInance Charges.
(11) (12) (1)

5. PERIODIC RATES.
A. TIle Periodic Rate for your Dally Bliance of Purchases is _lIle Pur­
chase Standard Rate, unless the Delinquency Rate applies as de­
SCfIled below. The Purchase standard Rate for a billing oeriod is
the greater of Iil!he Prime Rate plus 15.90%. times 11365, or (i)
O\'l .06011% (ANNOAL PERCENTAGE RATE 21.90%). TIle Pun::hase
Standard Rate shml not exceed .0678% (ANNUAL PERCENTAGE
RATE 24.75%~ The 'Prime Rate" for a liJIielthe I\i9hest
bank prine ban rate as publl\lhed in Jhe w~
Money Rates section on lila fillll buSIIless
i:le
9 e fin;t
day (If the blUIng period. As of June 1 2005 the Pun::hasi! standard
'­
Rlite was .0600% (ANNUAl PERC~TAGE RATE 21.1IQ%).
B. The Periodic Rate for your Daily Balance of Gash Advances is the
Gash Standard Rate, unless !he DelinQuency Rate applies as de­
scribed beklw. The Cash standard Rate for a bUIina pe!Ic.Jd 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.
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6. BALANCE SUBJECT TO PERIODIC FINANCE CHARGES.
9. FEES. You agree lr.l pay IlIt foIlowIlg fees.
In i1s
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 your Statement
rlt Due Date shown on the'Statement: You may pay
Your Mlnlmuni PaY­
New BIiance minus
It Plan that Involves
next highest dollar!
Minimum Paymen!
5. You must
Payment
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 our purchase money
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.'
(3)
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E. We reseMl!he ~ht III obIaIn paymmt eIeI:toricaly for t!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.
A. AI..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 IX" oilier ins1ument sent Ib
us, 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 you
exceed your Credit UIIIt as a reSlft of unpaid FIoaooe Chages. !he
IliIing of de!en"ed accrued Finar1C8 Clages or other E.
D. ATlllnsadioo Fee for each Cash Mtance Il1at 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 In the event
any Check on}'Ol,ll" A.ccoont Is not honOrl!d by us because (i) the
DOrtion of your Qid Umit avaiabIe fir CIledIs is ilsuIideIt 10 a:Nf!J"
1he amourt d Ihe Check, (i) yqu have ~ a De1iIIcn in baIlkIupll..y. (Ii)
Ihe Check has expired, IX" (flI) your Accruil has been c:Iosed.
Fee ofU) ifwe sfqI ~on!l1Y CIIeck at your
,cIla!ge yoor AQ:rut a fee d $20. SIlbjEd III
mayreguest Silatwe sloP. pay!I)eIlt on_ao~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
was made Pf more than one item was purchased on the same ~
your payments wUl be allocated to pay off lIle lowest priced Item firs .
Ifyou made aPun::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 security interest In !he
promotional Pun::hase for an amount greater IhI.Il the loweSt balance
Shown on a Statement for !hat promolional Purchase. We agree lIlat 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 as your
dwelling. (4)
 11. SPECIAL PAYMENT PLANS.
"1
, owe.~~
we reTerand/or
empl~ee.
CVi) take
your Aci:ount
'if'
coIlecIiOn cos
20.' CHANGE OF ADDRESS. You \'/iIi notify us promptly if you chalTge
your address. We may send Slatemenls and other notices to your
adllless in our records unb1 we halle a reasonable opportunity 10 upilate
our. records willl any new address for you.
Please read this arbitration pro­
provides lI1al, upon !he election of
een the parties WlI be resolved by
laces any exlslina arbitration

"We • 'Us • 'Our" arid simSer

its rispedive partIIlts. wholly
lreoecessors, successors,
(collectively. lIle 'Bank').
:... ·Claim" means any dlsllUte between YQU and Us
rerates ~ Y9U~ credit ~ account,,Ihe ielationsilips
accoun~ this ,
Including !he
pules based
tra~, torts,

B.
~dmln~ means the National Arbitration Forum P.O. Box 50191,
nneePii;}AN 55405, www.arb-forum.com (800) 474-2371; or
American Amillation Association, 335 Madison Avenue, New York, NY
1. DefiIm1d In!erestIWdfl Payments 10017, www.adr.org, (800) 778-7879.
Important Notice and limitations: If you or We elect to arbItrMe
a Claim, neither you nor We will have the right: (1) to have a
court or a jury decide the Claim; (2) to engage In dfsCovery (I.e.,
the right to obtaIn Information from the other PlIrM to the same
""""""1irIanI.::& chaI!Ies wi! lie assessed 00 !he'""",,",1m'" ­ extent that you or We could In court; (3) to participate In a class
r' MiJliJJxJliP'.r:lt
::ha;)baIance from !he dale of urchasa
be require(! on yo.u: ~ ~ balance during ax! aIler
action In court or In arbitration, either as a class representative
or'a class member; (41 to act as a private attorney general ill court
the p«molionaI peliOd. or',ln arbitration; or {5) to join or consolidate your Clalms(sl with
CI~lms of any other person. The right to appeal Is more Irmlled
2. Deferred InIeres!IDeIayed Paymenls in .arbltration than In court. Other rights tllat you would have If
you went to court may also not be available In arbitration. Only
a court may determIne the validity and effect of the language In
thlll paragraph. If a court should hold this language to be
Invalrd, then the entire Provision shall be null and void.
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S. In OOdltion. you ~ree \0 the -use of RIght to

information 'about You and your Account desClibed in the Privacy Policy. In Which
The Privacy Policy is a part of this Agreement and Is enclosed or
attached hei"eto.
( 17. TELEPHONE MONrroRlNG. To ensure that you receive accurate
t,'
12. TeRMINATION/CHANGE IN TERMS. You may terminate your and courteous customer service. on occasion, your caU may be moni­
Account at !lIlY time by: pmvidlng us written notice. We maY,. at any: tored by our employees or agents and you agree to aIfj suCh monitor­
time and subiect to aDDficable laW. ch\lfl99/ add or delele pll!VlSions of Ing.
? or tennUlate y"our AccoUnt Unless
may IIP.PIy 18. JOINT ACCOUNTS. If this Is a joint account. each of you will be
:.. ,
jointly and IndMdual1y ~ble for your obligations under ll1is Agree­
ment notice to one of you wiR be consldered iii be nolice to bo1h of you;
and we can rely on iestructions from one of you, even if we receive
',". inconsistent instructions from the 01her person.
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19. WAIVER. We mi;lY, In our sole discretion, choose to not exercise
anyoulitofll!lY
right under .!!lls Agreement,
-- - Including
.. -- the
....right to Impose
. the full
>,. OOV8fS aX Claims, except that We will not elect
us must be al Claim brought In small claims oourt or its
Claim is lransffirred. removed. or appealed 10 a

':r lion: To start an albiI.raH~~1 you or We must give

election to arbitrate. You mlJSl send 1his notice to GE
,." lance Looal Operalions, 1600 Summer Street. AM AIlOr,
. 06905. NoHce can be given after a lawsuit has been filed,
in I'ffiich case ft can be made in papers in !he lawsuiL If a notice electing
(S) (7)

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