GE Money Billing Fee, Internet

I bought a bed at Sleep Train. The store uses GE Money for financing. I received 36 month deffered interest loan. GE Money makes you pay a minimum monthly payment depending on your outstanding balance. The payment is substantially larger than required to payoff your loan in 36 months. This is not expalined in writting prior to receiving 1st bill. Also, company padded monthly bill by adding a $.99 fee listed as admin fee. When I called to inquire as to what this fee was for, I was told that unless I opted for a paperless bill I would be charged a $.99 monthly fee for paper billing.