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CARD SECURITY PROGRAM
Summary of Terms

Card Security is an optional Program. Whether or not you purchase Card Security will not affect your application for credit or the terms of any existing credit agreement you have with GE Capital Retail Bank (the "Bank").

Once your enrollment has been accepted, you will receive the complete Card Security Debt Cancellation Program Agreement (the "Program Agreement"). Please read the Program Agreement carefully as it contains a complete explanation of the Card Security program, including eligibility requirements, conditions and exclusions that could prevent you from receiving benefits.

COST. The monthly fee for Card Security is $1.66 per $100.00 of the ending monthly balance of your Walmart Credit Card or Walmart Discover account ("Account") as provided in the Program Agreement.

COVERAGE. Card Security covers you and the joint accountholder on your Account for the following events ("Protected Events"): Involuntary Unemployment, Disability, Leave of Absence, Hospitalization, Nursing Home Care, Terminal Medical Condition and Loss of Life.Card Security cancels your Account minimum monthly payment and/or the outstanding balance, up to $10,000, under the terms of the Program Agreement.

ELIGIBILITY REQUIREMENTS, CONDITIONS AND EXCLUSIONS. There are eligibility requirements, conditions and exclusions that could prevent you from receiving benefits under Card Security. The following is a summary of the eligibility requirements, conditions and exclusions:
INVOLUNTARY UNEMPLOYMENT and LEAVE OF ABSENCE PROTECTION
Involuntary Unemployment means that you have become involuntarily unemployed from a full-time job. Leave of Absence means that you are on an unpaid employer approved leave from a full-time job. Full-Time means you work at least 30 hours per week as a permanent employee. If you are self-employed or employed by a member of your immediate family or household you are not eligible for Involuntary Unemployment or Leave of Absence benefits. In order to claim an Involuntary Unemployment or Leave of Absence benefit you must be enrolled in Card Security for 30 consecutive days and remain unemployed or on a leave of absence for 30 consecutive days. You will not be eligible for Involuntary Unemployment or Leave of Absence benefits if you: quit your job, retire, are terminated from your job due to willful or criminal misconduct, lose your job because your employment contract ends, were seasonally employed, are put in prison; or keep your job but your work hours are reduced.
DISABILITY PROTECTION:
Disability occurs when, due to sickness or injury, you are unable to perform normal daily activities and require the care of a doctor. In order to claim a Disability benefit you must remain disabled for at least 30 consecutive days and be under the continuous care of a doctor. You will not be eligible if your Disability is caused by normal pregnancy, childbirth or an intentionally self-inflicted injury.
HOSPITALIZATION AND NURSING HOME CARE PROTECTION:
Hospitalization and Nursing Home Care means that you are admitted to a Hospital or a Nursing Home while under ongoing care of a doctor. A Hospital or Nursing Home is a licensed medical hospital or chiropractic hospital, acute care facility, convalescent nursing facility, or residential drug, psychiatric or hospice facility. In order to claim a Hospitalization or Nursing Home Care benefit you must remain in a Hospital or Nursing Home for 2 consecutive nights. You will not be eligible if your Hospitalization or Nursing Home Care is caused by normal pregnancy or childbirth or an intentionally self-inflicted injury.
TERMINAL MEDICAL CONDITION:
Terminal Medical Condition means that a doctor has diagnosed you with a medical condition that will cause your death in 6 months or less.

TERMINATION OF CARD SECURITY. You may terminate your enrollment in Card Security at any time. If you choose to terminate within 90 days of enrollment, the Bank will credit your Account any Card Security fee you have been charged. The Bank may terminate your enrollment in Card Security by providing written notice to you. Your enrollment in Card Security will terminate automatically if you fail to make any required minimum payment on your Account in any three consecutive billing periods.

HOW TO OBTAIN YOUR BENEFITS
To receive a debt cancellation benefit, you must file a completed and accurate Debt Cancellation benefit form within one year of the first day of the Protected Event. To obtain a benefit form, call toll free at 1-800-815-4051 between 9:00 A.M. to 10:00 P.M. Eastern Time, Monday through Friday, except holidays. You may also write to: Card Security, P.O. Box 39, Roswell, GA 30077-0039.

ADDITIONAL IMPORTANT DISCLOSURES:
  • Bank reserves the right to modify Card Security at any time and will provide you notice as required by law.
  • Cancelled debt under Card Security may be taxable as income if provided by law. Please consult your tax advisor for guidance.
  • You must continue to make any required minimum payments on your Account after a Protected Event until your debt cancellation is approved. A Protected Event (other than death) must occur continuously for the specified period of time before a debt cancellation can be requested.
  • You may continue to use your Account after a Protected Event, subject to the terms of your Account Agreement. However, the amount of debt cancelled under the program does not include purchases on your Account after the Protected Event (unless those purchases are covered due to a subsequent Protected Event while you continue to have the Program).
  • Any arbitration provisions that may apply with respect to your Account Agreement shall also apply with respect to the Program.
  • The Program is not available for residents of Mississippi.


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