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CREDIT CARDS

Every time a purchase is made using The GM Card, the cardholder will earn Rebate Points at a rate of
3 percent. Each Rebate Point is worth £1. When the cardholder uses their GM Card for the first time
they will receive 100 Rebate Points worth a £100 saving off a new Vauxhall or Saab. The maximum
amount of Rebate Points that can be redeemed varies on each model line with a saving of up to £1500
on a new Vauxhall and up to
£2500 on a new Saab, this saving is in addition to the offers available
at the Dealer at the time of purchase.

The cardholder can also earn additional Points when using their GM Card at GM Card Partners,
Vauxhall and Saab Dealers, for parts and servicing (petrol and new vehicle purchases are excluded)
Partner Point earnings rate is 3 percent:

For every £100 spent at a GM Card partner the cardholder earns £6, and there is no limit
to the
amount of Partner Points that can be redeemed.

Two Cardholders living at the same address can pool their Rebate Points and Rebate Points can also
be transferred to an eligible family member who is not a GM Cardholder.

If a Cardholder chooses a new Vauxhall or Saab as their company car they can redeem up to 500 Rebate
Points as high street vouchers.


DEBIT CARDS
Loading at PayPoint is now 3% Transaction fees are 2% The BREAD Card is issued by Newcastle Building Society pursuant to licence by MasterCard International Incorporated. Newcastle Building Society is authorised and regulated by the Financial Services Authority and is entered in the Financial Services Authority Register (www.fsa.gov.uk/register/) under Registration No. 156058 Fees, terms and conditions apply: refer to website for further information thank you
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