Privacy Policy

Protecting your privacy is important to GE Capital Financial Inc. ("GECF", or "we"), the issuer of the credit products described on this Site. Our goal is to treat the personal information you furnish to us on this Web site (the "Site") with respect, and in accordance with this Privacy Policy. This Privacy Policy is designed to provide information regarding how we collect, use and disclose personal information we gather when you visit productivitycard.com on the World Wide Web ("personal information"). This Privacy Policy currently is applicable only to GECF's United States customers and visitors and only when they access and use this Site, and may not be applicable to transactions performed and information collected in other channels than this Site. Please read this Privacy Policy for details about our practices for handling and securing your personal information on this Site.

WHAT INFORMATION DOES GECF COLLECT? HOW DOES GECF USE IT?

Anonymous Browsing

You can visit the Site without telling us who you are or revealing any information about yourself, including your e-mail address. When you visit this Site, our Web servers collect the name of the domain you used to access the internet (such as aol.com) as well as the Web site you came from and visit next. We, and select outside companies who provide services on our behalf, may use this information in the course of delivering advertisements to you. We and our business partners use this information to measure the number of visits, average time spent, page views, and other statistics about visitors to this Site in general. We also use this data to monitor site performance and to make this Site easier and more convenient to use. Once you enter information into the Site, your browsing is no longer anonymous.

Collection of Personal Information

We may obtain personal information to provide you products and services you have requested, to determine your eligibility for products and services and to administer your account. We may collect identification, contact, transaction and experience information, for example, from you, our affiliates, and outside companies. Examples of the sources and types of information we may collect include:

• Applications, registration forms, or other forms containing your name, address, telephone number, e-mail address, income, assets, and accounts with others;

• Your transactions or experiences with us or outside companies (such as businesses who partner with us to provide benefits to you);

• Credit reports from credit reporting agencies and other similar companies, such as your obligations and account and payment history with other lenders.

• Information from other companies to assist us in marketing our own products and services or products we offer jointly with other financial institutions, such as your name, address, and telephone number; and

• Information from you and others, such as information relating to your employment

• Please note that we do not knowingly solicit information from children and we do not intentionally market our products or services to children.

Use of Personal Information

We may use personal information collected from you in meeting your various needs, including:

• Providing you with products or services you have requested;

• Servicing your account;

• Improving GECF's products or services; or

• Developing and/or informing you of additional products or services that may be of interest.

Disclosure of Personal Information

We may disclose personal information we collect as follows:

Disclosure to the Business

Because our products are business products, all information relating to you and/or the products and services you obtain or access, including without limitation, account information and purchases you make on any credit account, your application information, and your balance and payment information, may be shared with the business in whose name the account was opened or the product or service was obtained, and with any designated program administrator and authorizing officer of the business. You should have no expectation that this information will remain private from the business.

Disclosures to Service Providers

We may disclose personal information we collect to others, such as banks, and administrators that provide services to you on our behalf, such as:

• Providing administrative, customer assistance, or other services;

• Preparing, printing and delivering statements and other documents;

• Marketing our products and services;

• Protecting against fraud; and

• Maintaining or developing software for us.

In all cases, we will require service providers to whom we provide personal information to comply with our Privacy Policy and to use the information solely for the purposes for which we have retained them. Disclosure of personal information to these service providers is done to help us better serve you.

Disclosures to Other GE Companies

We may disclose personal information to other GE companies, which are involved in diverse businesses ranging from financial services for purposes such as:

• Fulfilling your requests; and

• Offering you other products or services that we think may be of interest to you.

Disclosures to Outside Companies

We may disclose personal information we collect to other financial institutions (such as banks) with which we have joint marketing arrangements to jointly endorse or offer our products or services.

• Insurance companies, banks, and other financial institutions; and

• Retailers, direct marketers, airlines, travel agents and publishers

Disclosures to Referring Financial Institutions or Under Joint Marketing Arrangements

If you open an account which is issued by us on behalf of a referring financial institution, we may share information about your account, including information from your application, other account information, purchases you make, and balance and payment information, with the referring financial institution.

Additionally, we may disclose personal information we collect to other financial institutions with which we have joint marketing arrangements to jointly endorse or offer our products or services.

Other Disclosures Permitted By Law

We may make additional disclosures of information as permitted or required by law. For example, we may disclose information to law enforcement agencies or state and federal regulatory authorities.

Cookies

Cookies are small pieces of data stored by your internet browser on your computer's hard drive. If you are browsing, a cookie is used to help us measure the number of visits, average time spent, page views, and other statistics relating to this Site. This cookie, by itself, does not tell us your e-mail address or who you are. If you decide to register online for a on of our products or services, GECF may collect additional information to provide tailored offerings or content to you. In this case, we use cookies to recognize you on subsequent visits and make your online experience more convenient.

Cookies cannot be used to obtain data from your hard drive, obtain your e-mail address, or obtain personal identifying information about you. You may set your browser to notify you when your computer receives a cookie or to prevent cookies from being received by your computer. Please note, however, that by not accepting cookies, you will limit the functionality that GECF can provide you when you visit this Site.

For Netscape users, Netscape Navigator Version 4.0 began giving users the ability to control cookies. Newer versions of Microsoft's Internet Explorer have a similar capability. Refer to these companies' Web sites for additional information.

LINKS TO OTHER WEB SITES.

We are not responsible for the information collection practices of other Web sites when you link to them from our Web site. We cannot guarantee how those parties use cookies or whether they place on your computer cookies that may identify you personally. You should carefully review the privacy policies of each Web site you visit to understand how they collect, use, and disclose information.

E-MAIL COMMUNICATION AND ONLINE SURVEYS

Occasionally we will send you e-mail messages with information which may be useful to you, including information about our products and services or about offerings from affiliates or third parties. When you first provide us with your e-mail address, you will be given the option of not receiving any such e-mail if you choose. GECF will include in its e-mail messages instructions on removing your e-mail address from the list that we use to communicate information, if you later decide that you do not want to receive any future e-mail messages of this nature.

From time to time we conduct online surveys to better understand the needs, profiles, and experiences of visitors to this Site. You are under no obligation to participate in such surveys.

HOW DO YOU ACCESS AND UPDATE YOUR INFORMATION?

In some cases you may want to update the information that you have provided to GECF. This may require you to use a unique user name and password. Also, where the capability exists, you may request that GECF modify or delete information that we have gathered during your visit.

HOW IS YOUR INFORMATION SECURED AND PROTECTED?

We will maintain physical, electronic, and procedural safeguards to protect personal information we obtain about our customers.

Please note that E-mail messages that you send to us are not necessarily secure when they are transmitted. If your communication is of a sensitive nature or includes confidential information such as a social security number, you may choose to send it to us by facsimile or regular mail instead.

We instruct our employees with access to your information that it is to be used only in adherence with the principles set forth in this Privacy Policy and applicable laws and regulations. Employees who misuse customer information are subject to disciplinary action.

WHAT IF GECF CHANGES THIS PRIVACY POLICY?

We reserve the right to modify or supplement this Privacy Policy at any time. If GECF makes any material change, GECF will update this Site to include such changes