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					                                                                                                                                  WALMART
                                                                                                                                   [3143AE]
                                                                                                         (5/10)_T&C-I_Combo_APDF (REV 04/11)
                                                                                                                               APPLICATIoN

The information about the costs of the card described below is accurate as of April 1, 2011. This information may have changed after
that date. To find out what may have changed, write to us at P.O. Box 981469, El Paso, TX 79998-1469. This application and the credit
card agreement will be governed by federal law, and to the extent state law applies, the laws of Utah. Subject to the requirements and 
limitations of applicable law, we may change, add to or delete any of the terms of the agreement, including the interest rates, fees and
charges and we will send you notice as required.

                                                 GE MONEY BANK
                            WALMART® DISCOVER® CARD AND WALMART® CREDIT CARD ACCOUNT
 Interest Rates and Interest Charges
                                                   Walmart® Discover® card                                         Walmart® Credit Card
 Annual Percentage Rate
 (APR) for Purchases
                                        22.90%                                                       22.90%
                                          This rate will vary with the market based on                 This rate will vary with the market based on
                                          the prime rate.                                              the prime rate.
 APR for Balance Transfers              22.90%                                                       Not Applicable
                                          This rate will vary with the market based on
                                          the prime rate.
 APR for Cash Advances                  25.90%                                                       Not Applicable
                                          This rate will vary with the market based on
                                          the prime rate.
 How to Avoid Paying                    Your due date is at least 23 days after the                  Your due date is at least 23 days after the
 Interest on Purchases                  close of each billing cycle. We will not charge              close of each billing cycle. We will not charge
                                        you any interest on purchases if you pay your                you any interest on purchases if you pay your
                                        entire balance by the due date each month.                   entire balance by the due date each month.
 Minimum Interest Charge                If you are charged interest, the charge will be If you are charged interest, the charge will be
                                        no less than $1.00.                             no less than $1.00.
 For Credit Card Tips from              To learn more about factors to consider                      To learn more about factors to consider
 the Federal Reserve Board              when applying for or using a credit card, visit              when applying for or using a credit card, visit
                                        the website of the Federal Reserve Board at                  the website of the Federal Reserve Board at
                                        h t t p : / / w w w. f e d e r a l r e s e r v e . g o v /   h t t p : / / w w w. f e d e r a l r e s e r v e . g o v /
                                        creditcard.                                                  creditcard.

 Fees
 Transaction Fees
   •  Balance Transfer                  Either $5 or 3% of the amount of each transfer, Not Applicable
                                        whichever is greater.
   •  Cash Advance                      Either $5 or 3% of  the  amount  of  each  Cash  Not Applicable
                                        Advance, whichever is greater.

   •  Foreign Transaction               3% of each transaction.                                      Not Applicable
 Penalty Fees
   • Late Payment                       Up to $35                                                    Up to $35
How We Will Calculate Your Balance: We use a method called “daily balance”.
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 15th day (or the next business day if the 15th day is not a business day) of the calendar month preceding the first day of the billing
cycle. If approved, a credit card account agreement will be provided to you with additional information about your account.
Important note about Walmart Discover card rates: Lower rates may be offered in Walmart Stores.
                                                       CONSENT TO ELECTRONIC COMMUNICATIONS
By submitting an application online, or signing up for online services (“e-service”), for your Walmart Credit Card or Walmart Discover card account, you
hereby agree to the following and this will constitute your consent (“Consent”) for us to send you electronic communications.
1. Categories of Communications.
You understand and agree that GE Money Bank, the issuer of the Walmart Credit Card and the Walmart Discover card, our assignees, or other holders of your Walmart 
Credit  Card  or  Walmart  Discover  card  Account  (“we”  or  “us”)  may  provide  to  you  by  electronic  means  information  regarding  your  Walmart  Credit  Card  or  Walmart 
Discover card Account (each respectively, a “Credit Card Account”), including disclosures required by applicable federal or state law (collectively, “Communications”) 
which may include, but is not limited to, the following:
      
  •  The initial disclosure statement or agreement (“Agreement”) governing the Credit Card Account, including, without limitation, any Truth in Lending Act disclosures; 
  •  Letters or notices regarding your Credit Card Account, including customer service responses; 
  •  GE Money Bank’s Privacy Policy (“Privacy Policy”) for the Credit Card Account; 
      
  •  Other federal and state law disclosures, notices and communications in connection with the application for, the opening of, maintenance of or collection of the 
     Credit Card Account; and
      
  •  Disclosures, Debt Cancellation Agreement and other information related to optional Debt Cancellation products you may elect to purchase.
Communications may be sent to your e-mail address. Communications may include your name and some information about your Credit Card Account, including your 
balance or the due date. Electronic Communications may be disclosed to any party with access to your Credit Card Account or e-mail account or hardware or software 
used to view your Credit Card Account or e-mail account.
2. Manner of Consent.
You acknowledge that by giving your Consent through this website, you demonstrate that you can access information that we may provide to you by posting electronic 
Communications on a website. 
3. How to Withdraw Consent.
You may not apply online for a Credit Card Account, and you may not register your Credit Card Account for e-service, unless you provide your Consent. After you 
open  a  Credit  Card  Account  or  register  your  Credit  Card  Account  for  e-service,  you  may  withdraw  your  Consent  by  contacting  customer  service  or  by  writing  to 
P.O. Box 981469, El Paso, TX 79998-1469.
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, the Privacy Policy, Debt Cancellation Agreement and/or other material provided to you electronically 
pursuant to this Consent. If you would like a paper copy of any of this material (other than the Debt Cancellation Agreement) please write to us at P.O. Box 981469, 
El Paso, TX 79998-1469. If you would like a copy of your Debt Cancellation Agreement, please write us at P.O. Box 39, Roswell, GA 30077-0039. 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,  the 
Agreement, the Privacy Policy, your application, the Debt Cancellation Agreement (if elected) and any other Communication that is important to you for your records. 
7. Electronic Signatures.
You acknowledge that by clicking on the “I Agree”, the “Submit” or similar button on this website, 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 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.


                                                                   HOW TO EARN CASH REWARDS
                                                                    WALMART® DISCOVER® CARD
Subject to the Terms set forth below, you are eligible to receive a rebate on purchases made with the Walmart® Discover® card. Cash rebate is not available for the 
Walmart® Credit Card. 
1. Determination of Cash Rebate Percentage. The amount of your Year to Date Purchases will be used to determine the percentage of each Purchase eligible for 
rebate. The greater the amount of Year to Date Purchases, the higher the rebate percentage.
2. Rebate Tiers. The percentage of each Purchase eligible for rebate is as follows: 

                                                 Amount of Year-to-Date Purchases                     Percentage of Purchase
                                                  (Including the current Purchase)                      Eligible for Rebate
                                                              Up to $1,500                                       0.25%
                                                           $1,500.01 – $3,000                                    0.50%
                                                               Over $3,000                                       1.00%

  If a Purchase causes Year-to-Date Purchases to span multiple rebate tiers, the applicable rebate percentage for each spanned tier will apply to that portion of the 
Purchase falling within such tier. For example, if a Cardholder already having Year-to-Date Purchases totaling $2,000, makes an additional $2,000 Purchase, $1,000 of 
that additional purchase would be eligible for a 0.50% rebate and the remaining $1,000 would be eligible for a 1.00% rebate.
3. Issuance of Rebate Checks. After each Purchase, a Cardholder will accrue a potential rebate based on the applicable percentage. No rebates will be issued to a 
Cardholder until the Cardholder’s accrued rebates equals or exceeds $10.00, at which time, unless the Cardholder’s account is delinquent, a rebate check will be sent 
to the Cardholder with the Cardholder’s next billing statement. Cardholders have no right to accrued rebates in an amount of less than $10.00. 
4. Other Conditions. A Cardholder will forfeit all accrued, unpaid rebates if the Cardholder’s account is closed for any reason (other than as a result of a lost or stolen 
card, in which case all accrued rebates will be applied to the replacement card). Rebate checks expire on the expiration date printed on the front of the checks. These
Terms may be changed or discontinued at any time without notice. Changes may include, among other things, modifying the amount of Purchases required to qualify 
for the various potential rebate tiers, changing the rebate percentages, imposing additional restrictions, or terminating the program.
5. Definitions. As used herein, the following terms will have the following meanings:
  “Card” means the Walmart® Discover® card.
  “Cardholders” means the person to whom the Card was issued.
  “Card Year” means a calendar year.
  “Purchase” means a purchase of merchandise or services using the Walmart® Discover® card. Purchase does not include any other type of Card transaction, including 
  cash advances, quick cash advances or balance transfers.
  “Terms” means these terms for how to earn cash back.
  “Year-to-Date Purchases” means the amount, at the time each Purchase is made, of net Card purchases (total Card purchases minus returns and adjustments) made 
  during the Card Year. At the beginning of each Card Year, the amount of Year-to-Date Purchases will be reset to zero.




                                                                                                                                             WALMART
                                                                                                                                              [3143AE]
                                                                                                                    (5/10)_T&C-I_Combo_APDF (REV 04/11)
                                                                                                                                          APPLICATIoN

				
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