Application And Credit Card Account Agreement (Page 9 of 10) in pdf

Page 2

What we do

To protect your personal information from unauthorized access and use, we use security

How does GE Capital Retail

measures that comply with federal law. These measures include computer safeguards and

Bank protect my personal

secured files and buildings.

information?

We collect your personal information, for example, when you

How does GE Capital Retail

• open an account or give us your contact information

Bank collect my personal

• provide account information or pay your bills

information?

• use your credit card

We also collect your personal information from others, such as credit bureaus, affiliates, or

other companies.

Federal law gives you the right to limit only

Why can’t I limit all sharing?

• sharing for affiliates’ everyday business purposes—information about your creditworthiness

• affiliates from using your information to market to you

• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

See below for more on your rights under state law.

Your choices will apply to everyone on your account.

What happens when I limit

sharing for an account I hold

jointly with someone else?

Definitions

Companies related by common ownership or control. They can be financial and nonfinancial

Affiliates

companies.

• Our affiliates include companies with a GE, General Electric or Monogram name; financial

companies such as General Electric Capital Corporation and Monogram Credit Services;

and nonfinancial companies, such as General Electric Company.

Companies not related by common ownership or control. They can be financial and

Nonaffiliates

nonfinancial companies.

• Nonaffiliates we share with can include direct marketing companies and the retailer named

on your account.

A formal agreement between nonaffiliated financial companies that together market financial

Joint marketing

products or services to you.

• Our joint marketing partners include insurance companies.

Other important information

We follow state law if state law provides you with additional privacy protections. For instance, if (and while) your billing address is in

Vermont, we will treat your account as if you had exercised the opt-out choice described above and you do not need to contact us to

opt-out. If you move from Vermont and you wish to restrict us from sharing information about you as provided in this notice, you must

then contact us to exercise your opt-out choice.

*Please keep in mind that, as permitted by federal law, we share information about you with Dealers, Retailers, Merchants, Providers and

Contractors that accept the card and program sponsors in connection with maintaining and servicing the GE Capital Retail Bank credit card

program, including for Dealers, Retailers, Merchants, Providers and Contractors that accept the card and program sponsors to market to

you. If you opt out of sharing with nonaffiliates, your opt out will not prohibit us from sharing your information with providers that accept the

card and program sponsors.

The above notice applies only to the consumer credit card account covered by the attached GE Capital Retail Bank Credit Card Account

Agreement and does not apply to any other accounts you have with us. It replaces our previous privacy notice disclosures to you. We can

change our privacy policy at any time and will let you know if we do if/as required by applicable law.

For helpful information about identity theft, visit the Federal Trade Commission’s (FTC) consumer website at

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Application And Credit Card Account Agreement Page 9

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