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THE KEY CREDIT TERMS OF THE Carvin CREDIT CARD AGREEMENT ARE AS FOLLOWS:

Annual Percentage Rate for Purchases and Cash Advances

28.99%

Delinquency Rate* 29.99% (fixed)

* If you do not make your required Minimum Payment by the Payment Due Date two times in any six consecutive billing periods, the Delinquency Rate (rather than the Standard Rate) will apply to all existing balances on your Account and all new transactions beginning with the first day of the billing period in which you missed your second Payment Due Date. Once the Delinquency Rate applies, if you make any required Minimum Payment by the Payment Due Date in twelve consecutive billing periods, the next Statement you receive will reflect the Standard Rate (rather than the Delinquency Rate) which will apply to all existing balances on your Account and all new transactions beginning with the first day of the billing period reflected on that Statement.

Variable Rate Information

The Annual Percentage Rate for all Accounts (excluding the Delinquency Rate) may vary and will equal the prime rate plus 14.73%, but in no event less than 21.98%. The “prime rate” is the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on the 5th business day preceding the first day of the billing period.

Grace Period for Repayment of the Balance for Purchases
23 days if no previous balance and full payment is made; otherwise none.
Method of Computing the Balance for Purchases
One Cycle Average Daily Balance (Including New Purchases).

Minimum Finance Charge
$2.00

Late Payment Fee: $29.99 if the Balance is $249.99 or less and $39.99 if the Balance is $250.00 or more. (Balance is Account balance on date fee is applied.)

Overlimit Fee: $39

Return Check Fee: $39.99

Transaction Fee for Cash Advances: 4% of the amount of each cash advance, but not less than $5.

The information about the costs of the Card described above is accurate as of February 1, 2010. This information may have changed after that date. To find out what may have changed, write us at RSF FCRA, P.O. Box 981439, El Paso, TX 79998-1439. The terms of the agreement may be changed by us as provided in the agreement.

READ COMPLETE DETAILS WHEN YOU APPLY

Consent to Electronic Communications

1. Categories of Communications.
You understand and agree that GE Money Bank, the issuer of the Carvin Credit Card, our assignees, or other holders of your Carvin Credit Card account ("we" or "us") may provide to you by electronic means the following categories of information with respect to applying for and obtaining a Carvin Credit Card account ("Account"), which may include disclosures required by applicable federal or state law (collectively, "Communications"):

The Carvin Credit Card Agreement ("Agreement"), including, without limitation, any Truth in Lending Act disclosures;
Other federal and state law disclosures, notices and communications in connection with the application for an Account or opening an Account; and
Our Privacy Policy for the Carvin Credit Card Program.

2. Manner of Consent.
You acknowledge that by agreeing to the Consent to Electronic Communications through this website, you demonstrate that you can access information that we would provide to you by posting electronic Communications on our website.

3. How to Withdraw Consent.
You may withdraw your consent to receive electronic Communications by not submitting your online application. However, you may not apply online unless you consent to receive electronic Communications.

4. Hardware and Software Requirements.
In order to access and retain Communications, you must have:

An Internet Browser which supports HTML 4.0 and SSL-encryption, such as Netscape 4.0 or later and Microsoft Internet Explorer 4.0 or later.
A means to print or store notices and information through your browser software.
A personal computer or equivalent device capable of connecting to the Internet via dial-up, DSL, Cable Modem, Wireless Access Protocol, or equivalent, and that supports the foregoing requirements.

5. Paper Copies of Communications.
Upon your request, we will send you a paper copy of the Agreement, our Privacy Policy for the Carvin Credit Card Program and/or other material provided pursuant to the Consent to Electronic Communication. If you would like a paper copy of any of this material please write to us at GE Card Services, Application Processing, OH3 - 4250, P.O. Box 8817, Dayton, OH 45482 - 9940 or call us at 1-877-794-8400. There will be no charge for a paper copy of this material.

6. Communications in Writing.
All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download a copy of this Consent to Electronic Communication, the Agreement, our Privacy Policy for the Carvin Credit Card Program, your application and any other Communication that is important to you for your records.

7. Electronic Signatures.
You acknowledge that by clicking on the "I Agree" or similar button at the Carvin Credit Card application, you are indicating your intent to sign the relevant document or record and that this shall constitute your signature.

8. Federal Law.
You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.