Terms and Conditions
Old Navy Credit Card/Old Navy Gift Cards
REWARDS PROGRAM TERMS AND CONDITIONS
Removal From or Modification of Old Navy Rewards Program: We reserve the rig ht to remove any person from the Old Navy Rewards Program in the event of any fraud or abuse in connection with this Program. We reserve the right to change or terminate this Old Navy Rewards Program at any time and in any manner without notice. Some restrictions apply to employees of Gap, Inc.
NO WARRANTY: GAP, INC., GE MONEY BANK AND EACH SUCH COMPANY'S RESPECTIVE SUBSIDIARIES, DIVISIONS, AND AFFILIATE ENTITIES, ALONG WITH EACH SUCH COMPANY'S RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, ANO AGENTS MAKE NO WARRANTY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE OLD NAVY REWARDS PROGRAM OR ANY PRODUCTS OR SERVICES RELATED TO THAT PROGRAM.
RELEASE OF LIABILITY: YOU RELEASE GAP, INC., GE MONEY BANK AND EACH SUCH COMPANY'S RESPECTIVE SUBSIDIARIES, DIVISIONS, AND AFFILIATE ENTITIES, ALONG WITH EACH SUCH COMPANY'S RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS FROM AND AGAINST ANY AND ALL LIABILITY RELATING TO YOUR MEMBERSHIP OR PARTICIPATION IN THE OLD NAVY REWARDS PROGRAM OR THESE TERMS AND CONDITIONS.
Complete Agreement: Governing Law and Arbitration: These Terms and Conditions, together with your Agreement (including, without limitation the "Governing Law" and "Arbitration Provision" sections of the Agreement), make up the entire agreement between us relating to the Old Navy Rewards Program, and replace any prior understandings or agreements (whether oral or written) regarding the Old Navy Rewards Program. The Old Navy Rewards Program is provided by Gap, Inc. and serviced by GE Money Bank.
INITIAL DISCLOSURE STATEMENT
The following is an initial disclosure statement. If you are approved for an Old Navy Visa Card or an Old Navy Credit Card, a complete credit card agreement ("Agreement") governing your Old Navy Visa Card or Old Navy Credit Card account will be sent to you along with your credit card. The Old Navy Visa Card and Old Navy Credit Card may each be referred to as an "Account". The Old Navy Visa Card or Old Navy Credit Card is issued by GE Money Bank ("Bank"). In this disclosure statement, "we", "us", and "our" refer to the Bank; "you" and "your" refer to all persons who we approve to use the Account; and "Card" refers to your Old Navy Visa Card or Old Navy Credit Card. You may use your Account to purchase goods or services ("Purchases"). You may use your Old Navy Visa Card to obtain cash advances ("Cash Advances") by writing checks ("Checks") we may provide you from time to time or by other means we may make available. The Annual Percentage Rate may sometimes be referred to as "APR".
INITIAL DISCLOSURES FOR THE OLD NAVY VISA CARD
PERIODIC FINANCE CHARGES. We calculate the periodic Finance Charge separately for Purchases, Balance Transfers and Cash Advances.
A. The periodic Finance Charge for a billing period is calculated by applying the applicable daily periodic rate ("Periodic Rate") to the Account balance subject to periodic Finance Charges for each day in the billing period, and adding together all of those daily Finance Charge amounts. A minimum FINANCE CHARGE of $1.50 will be imposed for each billing period in which your Account is subject to a periodic Finance Charge.
B. The Periodic Rate for your Purchase Balance and Balance Transfer Balance is the purchase standard rate ("Purchase Standard Rate"), unless a higher rate applies, as described in Section D below. The Purchase Standard Rate for a billing period is either
(A) Type 1 account: the greater of: (i) the Prime Rate plus 5.99%, times 1/365; or (ii) .03628% (APR 13.24%). As of March 1, 2008, the Purchase Standard Rate under this formula was .03696% (APR 13.49%);
(B) Type 2 account: the greater of: (i) the Prime Rate plus 9.99%, times 1/365; or (ii) .04724% (APR 17 .24%). As of March 1, 2008, the Purchase Standard Rate under this formula was .04792% (APR 17.49%); or
(C) Type 3 account: the greater of: (i) the Prime Rate plus 12.99%, times 1/365; or (ii) .05546% (APR 20.24%). As of March 1, 2008, the Purchase Standard Rate under this formula was .05614%
(APR 20.49%). '
The prime rate for a billing period is the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on any business day of the three calendar months preceding the first day of the billing period ("Prime Rate").
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About Old Navy
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Terms and Conditions based on information given by Old Navy. If you have any questions or concerns, please contact Old Navy directly.
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