REVOLVING CREDIT AGREEMENT
zero or you have a credit balance.
be reported by us to the credit reporting bureaus in connection with your Account
advances from an ATM or with a check that accesses your credit card account do not
Residents: RETAIL INSTALMENT CREDIT AGREEMENT)
180 Days Deferred Interest Period: You may pay the original amount of a purchase in
such as late payments, missed payments or defaults on your Account.
qualify.
full within 180 days from delivery deferred interest period and pay no Interest. Interest
16. Disputed Accuracy of Credit Report: If you believe we have reported inaccurate
3. You must not yet have fully paid for the purchase.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR
accrues during the deferred interest period but is waived if the entire purchase balance
information about you to a consumer reporting agency, please contact us at Rooms to Go
all of the criteria above are met and you are still dissatisfied with the purchase, contact us
OPENING NEW ACCOUNT
is paid in full within 180 days. However, you must make all scheduled minimum monthly
Loan Services, PO Box 29429, Atlanta, GA 30359. ATTENTION: DISPUTES. When you
in writing [or electronically] at: Rooms to Go Loan Services, PO Box 29429, Atlanta, GA
To help the government fight the funding of terrorism and money laundering ac-
payments due in full and on time. If any required minimum monthly payment is not
notify us, identify the information in question and tell us why you believe inaccurate. If
30359, email: service@greenskycredit.com.
tivities, Federal law requires all financial institutions to obtain, verify, and record
received by the due date shown on the statement, Interest will be applied to the
you have a credit report that includes the information that you believe to be inaccurate,
While we investigate, the same rules apply to the disputed amount as discussed above.
information that identifies each person who opens an account. What this means
purchase under the Regular Terms of Section 4A.
include a copy of that credit report.
After we finish our investigation, we will tell you our decision. At that point, we think you
for you: When you open an account, we will ask for your name, address, date of
owe an amount and you do not pay, we may report you as delinquent.
C. Method of Computing Finance Charge: We figure the Interest charge on your
17. No Waiver By Us: You agree we have the right without notice to you to delay or refrain
birth, and other information that will allow us to identify you. We may also ask to
Account by applying the above stated Daily Periodic Rate to the "Daily Balance" of your
from enforcing our rights under this Agreement without losing them. For example, and
21. Entire Agreement: This Agreement constitutes the final written expression of the credit
see your driver's license or other identifying documents.
Account. To get the "Daily Balance" we take the beginning balance of your Account
without limitation. you agree we may extend the time to make payments without extending
agreement between you and us relating to your Account. We are not bound by any oral
each day, add any new purchases, and subtract all payments or credits. This gives us
the lime to make other payments, accept or partial payments without waiving our right
representations made or implied that are not directly reflected in this Cardholder
SUMMARY OF CREDIT TERMS
the "Daily Balance".
to have future payments made when they are due, and waive any charge or fee without
Agreement. A credit agreement must be in writing to be enforceable. Oral Agree-
Interest Rates and Interest Charge
5. Minimum Monthly Payment: The Minimum Monthly Payment is the greater of $75, or
losing our right to impose that charge or fee when due under this Agreement.
ments or commitments to loan money, extend credit or to forbear from enforcing
Annual Percentage Rate
repayment of debt including promises to extend to renew such debt are not
27.74%
This
APR
will
vary
with
the
5% of the total amount of each New Balance as of the current statement date, plus any
18. Telephone Monitoring/Recording: In order to assure that you receive the best
enforceable. To protect you (borrower(s)) and us from misunderstanding or
(APR) for Purchases
market
based
on
the
Prime
Rate.
non-interest costs or charges that accrued during a billing cycle.
possible customer service and that employees are complying with our policies and all
disappointment, any agreements we reach covering such matters contained in
6. Payment Allocation: Subject to applicable law, we will apply the required total minimum
applicable laws in their contacts with you, on occasion a second employee may listen to or
Your due date is at least 21 days after the close
this writing, which is the complete and exclusive statement of the agreement
of each billing cycle. We will not charge you any
payment to the balances on your account using any method we select. You may not tell us
record customer calls.
How to Avoid Paying
between us, except as we may agree in writing to modify it.
Interest
interest if you pay your entire balance by the due
how to apply excess payments. Any additional payment in excess of the Minimum Payment
19. Change of Address and Governing Law: You agree to notify us promptly in writing
22. MILITARY ACT: The Military Lending Act provides protections for certain
date each month.
will be applied to principal balance. This additional payment will not reduce or eliminate
you move. Until receive written notice from you, or definitive proof of a new address, we
members of the Armed Forces and their dependents ("Covered Borrowers"). The
your next regularly scheduled payment. Any payment you make in excess of the required
will continue to send monthly statements and other notices to the address have on file
For Credit Card Tips from the
To learn about the factors to consider when
provisions of this section apply to Covered Borrowers under the Military Lending Act. If you
total minimum payment will be applied to the higher APR balances before the lower APR
for this Account. This Agreement and your Account are governed by the federal laws
applying for or using a credit card, visit the website
would like more information about whether you are a Covered Borrower and whether this
Consumer Financial Protection
balances. Applicable law may require or allow us to apply excess payments in a different
of the United States and, to the extent not preempted by federal law the laws of the
of the Consumer Financial Protection Bureau at
section applies to you, please contact us at 877-266-2945.
Bureau
way under certain circumstances.
State of Georgia (without regard to its internal principles of conflict of laws), whether
http://www.consumerfinance.gov/learnmore.
Statement of MAPR. Federal law provides important protections to members of the Armed
7. Timing of Payments: You must pay the minimum payment by the due date on your
or not you live in Georgia. This Agreement is entered into between you and us in Georgia
Forces and their dependents relating to extensions of consumer credit. In general, the cost
Fees
billing statement by 6:00 p.m. for each billing cycle. Payments received after 6:00 p.m.
and we extend credit to you from Georgia.
of consumer credit to a member of the Armed Forces and his or her dependent may not
Penalty Fees
may be reflected as received on the next business day. You may at any time pay, in whole
20. YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE
exceed an Annual Percentage Rate of 36%. This rate must include, as applicable to the
Late Payment
$15.00
or part, the total unpaid balance without any additional charge for prepayment.
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
credit transaction or account: (1) the costs associated with credit insurance premiums; (2)
Returned Payment
$20.00
8. Default/Collection Costs: Your account will be considered in default you fail to pay
What To Do If You Find Mistake on Your Statement
fees for ancillary products sold in connection with the credit transaction; (3) any application
any minimum monthly payment within 60 days of when due: you file bankruptcy or insol-
If you think there is an error on your statement, write to us at Rooms to Go Loan
fee charged (other than certain application fees for specified credit transactions or
Billing Rights: Information on your rights to dispute transactions and how to
vency proceedings; (iii) you become subject to attachment or garnishment proceedings;
Services, PO Box 29429, Atlanta, GA 30359. ATTENTION: CUSTOMER SOLUTIONS.
accounts); and (4) any participation fee charged (other than certain participation fees for
exercise those rights is provided in the Agreement below.
(iv) you give us any false information or signature; (v) you die; or (vi) you fail to comply with
In your letter, give us the following information:
credit card account). Oral Disclosures. In order to hear important Military Lending Act
How We Will Calculate Your Balance: We use a method called "Daily Bal-
any portion of this Agreement. Subject to any right you may have under state law to receive
Account information: Your name and account number.
disclosures and payment information provided in this Agreement, please call
ance". The "Daily Balance" is determined by taking the opening balance of the
notice of and to cure such default. if you default we may declare the entire unpaid balance
Dollar amount: The dollar amount of the suspected error.
877-266-2945.
account for that specific day and (1) adding any new purchase(s) made that day,
on the Account and we may bring suit against you to collect the amount you owe, in
Description of problem: If you think there is an error on your bill, describe what you
23. State Law Notices:
and any fees incurred on that day and (2) subtracting any payments or credits
addition to the amount owed, subject to applicable law, and our court costs as may be
believe is wrong and why you believe is a mistake.
CALIFORNIA RESIDENTS: Interest is compounded on unpaid finance charges on
applied that day.
awarded by the court.
You must contact us:
Purchases.
Margin, Annual Percentage Rate ("APR") and Daily Periodic Rate ("DPR")
9. Disputed Amounts: We can accept postdated or partial payments without losing
Within 60 days after the error appeared on your statement
DELAWARE RESIDENTS: Finance charges will be imposed in amounts or rates not in
any of our rights under this Agreement. (A postdated check is a check dated later than the
least business days before an automated payment is scheduled, if you want to
excess of those permitted by law on the outstanding balances from month to month.
Rate
Margin
APR
Current DPR
day it was actually presented for payment.) We are under no obligation to hold a postdated
stop payment on the amount you think is wrong.
FLORIDA RESIDENTS: You (borrower) agree that, should we obtain a judgment against
check and we reserve the right to process every item presented as dated the same date
You must notify us of any potential errors in writing. You may call us, but you do we are
you, a portion of your disposable earnings may be attached or garnished (paid by
Purchase Rate
23.74%
27.74%
0.076%
received by act on it. Except where such notice and opportunity is given, you may not hold
not required to investigate any potential errors and you may have to pay the amount in
your employer), as provided by Florida and Federal law.
liable for full, "without recourse", or similar language. If you send such a payment, we
question.
MARYLAND RESIDENTS: You have the right under Section 12-510 of
Variable Rate: Your Periodic Rate and corresponding APR will change the
Prime Rate changes. Your APR and corresponding DPR vary with the market
may accept without losing any of our rights under this Agreement. All communications
What Will Happen After We Receive Your Letter
the Commercial Law Code to receive an answer to a written inquiry
based on the Prime Rate. The "Prime Rate" is the highest bank prime loan rate
concerning disputed amounts, including any check or other payment instrument in
When we receive your letter, we must do two things:
concerning the status of your account.
published by The Wall in its Money Rates Section on the 25th day
any amount less than the full amount due that you send to us marked "paid in full",
1. Within 30 days of receiving your letter, we must tell you that we received your letter.
JERSEY RESIDENTS: Because certain provisions of this Agreement are subject to
(or next business day if the 25th is not a business day) of the calendar month
or you otherwise tender as full satisfaction of a disputed amount, must be sent to us
We will also tell you we have already corrected the error.
applicable law, they may be void, unenforceable or inapplicable in some jurisdictions. None
preceding the first day of the billing period. To calculate the Annual Percentage
at the address for customer service shown on the billing statement.
2. Within 90 days of receiving your letter, we must either correct the error or explain to
of these provisions, however, is void, unenforceable or inapplicable in New Jersey.
Rate, we take the Prime Rate and add the Margin stated above. If the Periodic
10. Returned Payment Fee: any payment sent to us for payment on your Account is
you why we believe the bill is correct.
RHODE ISLAND RESIDENTS: This is NON-NEGOTIABLE CONSUMER NOTE.
Rate and corresponding Annual Percentage Rate increase, your interest charges
returned to us unpaid by the bank, we may charge you a Returned Payment Fee as
While we investigate whether or not there has been an error:
WISCONSIN RESIDENTS: We will not charge you attorneys fees, court costs, or other
will increase and your minimum payment may be greater.
provided in the Summary of Credit Terms above. You agree that we can add the Returned
We cannot try to collect the amount in question, or report you as delinquent on that
collection costs incurred as a result of your default.
Payment Fee to the balance due on your Account.
amount.
MARRIED WISCONSIN RESIDENTS: No provisions of any marital property agreement,
1. Definitions: In this Revolving Credit Agreement ("Agreement"), the word "Account"
The charge in question may remain on your statement, we may continue to charge you
unilateral statement under Section 766.59 or court decree under Section
refers to the account established by Brand Banking Company, a Georgia state-chartered
11. Late Payment Fee: If your minimum monthly payment is not received by us within 10
interest on that amount.
adversely affect the interest of the creditor unless the creditor, prior the time credit is
bank ("Bank") that is the subject of this Agreement. The words "you" and "your" refer
days after is due, we will impose Late Payment Fee in the amount provided in your
While you do not have to pay the amount in question, you are responsible for the
granted, is furnished a copy of the agreement statement, or decree or has actual
each individual who signs the Application for the Account and who, either on his own or her
Summary of Credit Terms Above. You agree that we add Late Payment Fees to the
remainder of your balance.
knowledge of the adverse provision when the obligation to the creditor incurred. We are
own or with another individual is authorized to use the Account. The words "we" "us" and
balance due on your Account. In no event will your Late Payment Fee exceed your
We can apply any unpaid amount against your credit limit.
required to ask you to provide the name and address of your spouse.
"our" refer to Bank, and any person to whom an outstanding balance under this Agreement
minimum payment due.
After we finish our investigation, one of two things will happen:
NOTICE TO THE BUYER:
is transferred, assigned or pledged.
12. Canceling or Limiting Your Credit Authorization: As permitted by applicable law, we
we made a mistake: You will not have to pay the amount in question or any interest
1. DO NOT SIGN THIS CREDIT AGREEMENT BEFORE OR IF
2. Promise to Pay: In return for extending credit to you on this Account from time to time,
have the right at any time to limit or terminate the use of your Account and raise or lower
or other fees related to that amount.
CONTAINS ANY BLANK SPACES.
you agree to pay for all purchases you charge on this Account, and all other charges
your credit limit without giving you notice in advance. Some purchases will require our prior
If we do not believe there was a mistake: You will have to pay the amount
2. YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS CREDIT
mentioned in this Agreement, including the Summary of Credit Terms above, according to
authorization, in which case you may be asked to provide identification. If our authoriza-
question, along with applicable interest and fees. We will send you a statement of the
AGREEMENT.
the terms of this Agreement. When you sign the Application for this Account, you will be
tions system is not working, we may not be able to authorize a transaction, even you
amount you owe and the date payment is due. We may then report you as delinquent
3. YOU MAY AT ANY TIME PAY MORE THAN THE MINIMUM PAYMENT OR YOUR
agreeing to everything written here. Therefore, before you sign the Application, you should
have sufficient available credit. We will not be liable to you if this happens. We are not
you do not pay the amount we think you owe by the date the payment is due.
ENTIRE BALANCE IN FULL WITHOUT INCURRING ANY ADDITIONAL CHARGE
read this entire Agreement, which includes the disclosures required by applicable federal or
responsible for the refusal of anyone to accept or honor an addition to this Account. In
If you receive our explanation but still believe your bill is wrong, you must write to us within
FOR PREPAYMENT.
state law. The information you provide on the Application that identifies you is incorporated
addition, even if you cancel the use of your Account, you are still responsible for any
10 days telling us that you still refuse to pay. If you do so, we cannot report you as
in this Agreement by reference. This Agreement will not be effective until approve your
Account balances incurred by the authorized user that remain unpaid.
delinquent without also reporting that you are questioning your bill. We must tell you the
NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT
Application, and then, after that, only you or someone authorized by you signs an Invoice
13. Voluntary Termination: We will terminate your Account if two things happen: (1) You
name of anyone to whom we reported you as delinquent and we must let those
Borrower's Signature: Your signature (including any electronic or digital signature) on any
or otherwise charges a purchase to this Account (in NY, the first date that you sign a sales
have paid off your account and it has a zero balance; and (2) You have not used any of
organizations
know
when
the
matter
has
been
settled
between
us.
do
not
follow
of
Application or on any sales slip or other evidence of indebtedness on your Account
slip or memorandum).
your available credit on this account for 365 days after the account has a zero balance. No
the rules above, you do not have to pay the first $50 of the amount you question even
represents your signature on this Agreement.
action is required to terminate your Account under these circumstances.
your bill is correct.
3. Using Your Account: You may charge purchases to your Account (up to your credit
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
Borrower: Sign Here:
Date:
limit) for up days from the date your account is approved. Thereafter, you apply
14. Changes In this Agreement: We may change any term of this Agreement, including
signed dated see electronic signature
If you are dissatisfied with the goods or services that you have purchased with your credit
for additional credit. You may make payments on your Account at any time without penalty.
rate of Interest. We will furnish you notice of the change to the extent, if any, required by
card, and you have tried in good faith to correct the problem with the merchant, you may
Borrower: Sign Here:
Date:
4. Grace Period/Cost of Credit:
law. If not prohibited by applicable law, any new terms may at our option be applied to any
have the right not to pay the remaining amount due on the purchase.
electronic signature
A. Regular Terms: Interest will be imposed at the Annual Percentage Rate ("APR") shown
balance existing on the Account at the time of change, as well as to any subsequent
To use this right, all of the following must be true:
LENDER: Brand Banking Company, Georgia state-chartered bank.
transactions.
on the Summary of Credit Terms above. The APR will vary with the market based on
1. The purchase must have been made in your home state or within 100 miles of your
the Prime Rate. If you do not have a balance at the beginning of cycle, interest is
15. Credit Inquiries and Accurate Reporting: You authorize us to obtain a credit report
current mailing address, and the purchase price must have been more than $50.
NOTICE:
imposed at the beginning of the next cycle date following your purchase. If you have a
on you for any legal purpose in connection with this Agreement, including any update,
(Note: Neither of these are necessary if your purchase was based on an
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT
balance at the beginning of cycle, interest is imposed from the purchase date.
credit increase request, extension of credit, review or collection amounts due under
advertisement we mailed to you, or own the company that sold you the goods
CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE
However, you will avoid paying receive your total outstanding balance on or
Agreement. you request, we tell you whether any requested, and so, the
services.)
SELLER
OF
GOODS
AND
SERVICES
OBTAINED
PURSUANT
HERETO
OR
before the due date shown on the statement for that cycle or your Previous Balance is
name and address of the bureau furnishing the report. Negative information may
2. You must have used your credit card for the purchase. Purchases made with cash
THE PROCEEDS HEREOF RECOVERY HEREUNDER BY THE DEBTOR SHALL
EXCEED AMOUNTS PAID THE DEBTOR HEREUNDER.
FACTS
WHAT DOES BRANDBANK DO WITH YOUR PERSONAL INFORMATION?
Page 2
Rev. October 2016
What we do
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some
but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information.
How does BrandBank protect
To protect your personal information from unauthorized access and use, we use security measures that
Please read this notice carefully to understand what we do.
my personal information?
comply with federal law. These measures include computer safeguards and secured files and buildings.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information
We restrict access to your personal information to those who have a legitimate business purpose, and we
can include:
train employees on data security and confidentiality.
- Social Security number and Income
How does BrandBank collect my
We collect your personal information, for example, when you
- Account balances and Payment history
personal information?
- Open an account or Deposit money
- Credit history and Credit scores
Apply for a loan or Use your credit or debit card
How?
All financial companies need to share customers' personal information to run their everyday business. In the section below,
- Give us your income information
we list the reasons financial companies can share their customers' personal information; the reasons BrandBank chooses to
We also collect your personal information from others, such as credit bureaus, affiliates, or other
share; and whether you can limit this sharing.
companies.
Reasons we can share your personal information
Does BrandBank share?
Can you limit this sharing?
Why can't I limit all sharing?
Federal law gives you the right to limit only
- sharing for affiliates' everyday business purposes--information about your creditworthiness
For our everyday business purposes--
Yes
No
affiliates from using your information to market to you
such as to process your transactions, maintain your account(s), respond
- sharing for nonaffiliates to market to you
to court orders and legal investigations, or report to credit bureaus
State laws and individual companies may give you additional rights to limit sharing.
For our marketing purposes--
Yes
Yes
What happens when I limit
Your choices will apply to everyone on your account
to offer our products and services to you
sharing for an account I hold
For joint marketing with other financial companies
Yes
Yes
jointly with someone else?
For our affiliates' everyday business purposes--
Yes
No
Definitions
information about your transactions and experiences
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
For our affiliates' everyday business purposes--
Yes
Yes
- Our affiliates include financial companies, such as
information about your creditworthiness
Brand Mortgage Group, LLC, a wholly-owned subsidiary of The Brand Banking Company.
For our affiliates to market to you
Yes
Yes
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
For nonaffiliates to market to you
Yes
Yes
Nonaffiliates we share with can include can include credit card providers.
Joint marketing
Call toll-free 877-778-2710 our menu will prompt you through your choice(s)
A formal agreement between nonaffiliated financial companies that together market financial products or services to
To limit our
- Mail the form below
you.
sharing
Please note:
Our joint marketing partner(s) include our credit card and marketing service providers
If you are a new customer, we can begin sharing your information 30 days from the date we provided or sent this notice.
When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?
Call 770-963-9224
Mail-in Form
Mark any/all you want to limit:
Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
Do not allow your affiliates to use my personal information to market to me.
Do not share my personal information with nonaffiliates to market their products and services to me.
Do not share my personal information to market to me.
Do not share my personal information with other financial institutions to jointly market to me.
Name
Mail to:
BrandBank
Address
P.O. Box 1110
Lawrenceville, Ga. 30046
City, State, Zip
Account Number
1995-2015 Compliance Systems, Inc. 79b8ab39-9211999e 2014CLS1 05/19/2014
brand
BrandBank is the trade name of The Brand Banking Company
RTG Terms Conditions 20170403 Revised 04/17