zero or you have a credit balance.  
B. 180 Days Deferred Interest Period:  You may pay the original amount of a purchase in  
  full within 180 days from delivery deferred interest period and pay no Interest.  Interest  
  accrues during the deferred interest period but is waived if the entire purchase balance  
  is paid in full within 180 days. However, you must make all scheduled minimum monthly  
  payments due in full and on time. If any required minimum monthly payment is not   
  received by the due date shown on the statement, Interest will be applied to the   
  purchase under the Regular Terms of Section 4A.  
C. Method of Computing Finance Charge:  We figure the Interest charge on your   
  Account  by applying the above stated Daily Periodic Rate to the �Daily Balance� of your  
  Account. To get the �Daily Balance� we take the beginning balance of your  Account   
  each day, add any new purchases, and subtract all payments or credits. This gives us  
  the �Daily Balance�.  
5. Minimum Monthly Payment:  The Minimum Monthly Payment is the greater of $75, or  
5% of the total amount of each New Balance as of the current statement date, plus any 
non-interest costs or charges that accrued during a billing cycle.  
6. Payment Allocation: Subject to applicable law, we will apply the required total minimum 
payment to the balances on your account using any method we select. You may not tell us 
how to apply excess payments. Any additional payment in excess of the Minimum Payment 
will be applied to principal balance. This additional payment will not reduce or eliminate 
your next regularly scheduled payment. Any payment you make in excess of the required 
total minimum payment will be applied to the higher APR balances before the lower APR 
balances. Applicable law may require or allow us to apply excess payments in a different 
way under certain circumstances.  
7. Timing of Payments: You must pay the minimum payment by the due date on your 
billing statement by 6:00 p.m. ET for each billing cycle. Payments received after 6:00 p.m. 
may be reflected as received on the next business day. You may at any time pay, in whole 
or in part, the total unpaid balance without any additional charge for prepayment.  
8. Default/Collection Costs:  Your accoun t will be considered in default if (i) you fail to pay 
any minimum monthly payment within 60 days of when due: (ii) you file bankruptcy or insol -
vency proceedings; (iii) you become subject to attachment or garnishment proceedings; 
(iv) you give us any false information or signature; (v) you die; or (vi) you fail to comply with 
any portion of this Agreement. Subject to any right you may have under state law to receive 
notice of and to cure such default, if you default we may declare the entire unpaid balance 
on the Account and we may bring suit against you to collect the amount you owe, in 
addition to the full amount owed, subject to applicable law, and our court costs as may be  
awarded by the court.  
9. Disputed Amounts:  We can accept late, postdated or partial payments without losing 
any of our rights under this Agreement. (A postdated check is a check dated later than the 
day it was actually presented for payment.) We are under no obligation to hold a postdated 
check and we reserve the right to process every item presented as if dated the same date 
received by act on it. Except where such notice and opportunity is given, you may not hold 
us liable for full, �without recourse�, or similar language. If you send such a payment, we 
may accept it without losing any of our rights under this Agreement. All communications 
concerning disputed amounts, including any check or other payment instrument in 
any amount less than the full amount due that you send to us marked �paid in full�, 
or you otherwise tender as full satisfaction of a disputed amount, must be sent to us 
at the address for customer service shown on the billing statement.  
10. Returned Payment Fee: If any payment sent to us for payment on your Account is 
returned to us unpaid by the bank, we may charge you a Returned Payment Fee as 
provided in the Summary of Credit Terms above. You agree that we can add the Returned 
Payment Fee to the balance due on your Account.  
11. Late Payment Fee: If your minimum monthly payment is not received by us within 10 
days after it is due, we will impose a Late Payment Fee in the amount provided in your 
Summary of Credit Terms Above. You agree that we can add Late Payment Fees to the 
balance due on your Account. In no event will your Late Payment Fee exceed your 
minimum payment due.  
12. Canceling or Limiting Your Credit Aut horization: As permitted by applicable law, we 
have the right at any time to limit or terminate the use of your Account and raise or lower 
your credit limit without giving you notice in advance. Some purchases will require our prior 
authorization, in which case you may be asked to provide identification. If our authoriza -
tions system is not working, we may not be able to authorize a transaction, even if you 
have sufficient available credit.  We will not be liable to you if this happens. We are not 
responsible for the refusal of anyone to accept or honor an addition to this Account. In 
addition, even if you cancel the use of your Account, you are still responsible for any 
Account balances incurred by the authorized user that remain unpaid.  
13. Voluntary Termination: We will terminate your Account if two things happen: (1) You 
have paid off your account and it has a zero balance; and (2) You have not used any of 
your available credit on this account for 365 days after the account has a zero balance. No 
action is required to terminate your Account under these circumstances.  
14. Changes In this Agreement:  We may change any term of this Agreement, including 
rate of Interest. We will furnish you notice of the change to the extent, if any, required by 
law. If not prohibited by applicable law, any new terms may at our option be applied to any 
balance existing on the Account at the time of change, as well as to any subsequent 
transactions.  
15. Credit Inquiries and Accurate Reporting : You authorize us to obtain a credit report 
on you for any legal purpose in connection with this Agreement, including any update, 
credit increase request, extension of credit, review or collection of amounts due under this 
Agreement. If you request, we will tell you whether any report was requested, and if so, the 
name and address of the credit bureau furnishing the report. Negative information may be reported by us to the credit reporting bureaus in connection with your Account 
such as late payments, missed payments or defaults on your Account.  
16. Disputed Accuracy of Credit Report:  If you believe we have reported inaccurate 
information about you to a consumer reporting agency, please contact us at Rooms to Go 
Loan Services, PO Box 29429, Atlanta, GA 30359.  ATTENTION: DISPUTES.  When you 
notify us, identify the information in question and tell us why you believe it is inaccurate. If 
you have a credit report that includes the information that you believe to be inaccurate, 
include a copy of that credit report.  
17. No Waiver By Us: You agre e we have the right without notice to you to delay or refrain 
from enforcing our rights under this Agreement without losing them. For example, and 
without limitation, you agree we may extend the time to make payments without extending 
the lime to make other payments, accept late or partial payments without waiving our right 
to have future payments made when they are due, and waive any charge or fee without 
losing our right to impose that charge or fee when it is due under this Agreement.  
18. Telephone Monitoring/Recording:  In order to assure that you receive the best 
possible customer service and that our employees are complying with our policies and all 
applicable laws in their contacts with you, on occasion a second employee may listen to or 
record customer calls.  
19. Change of Address and Governing Law:  You agree to notify us promptly in writing if 
you move. Until we receive written notice from you, or definitive proof of a new address, we 
will continue to send monthly statements and other notices to the address we have on file 
for this Account. This Agreement and your Account are governed by the federal laws 
of the United States and, to the extent not preempted by federal law the laws of the 
State of Georgia (without regard to its internal principles of conflict of laws), whether 
or not you live in Georgia. This Agreement is entered into between you and us in Georgia 
and we extend credit to you from Georgia.  
20. YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE  
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
What To Do If You Find a Mistake on Your Statement  
If you think there is an error on your statement, write to us at Rooms to Go Loan 
Services, PO Box 29429, Atlanta, GA 30359. ATTENTION: CUSTOMER SOLUTIONS.  
In your letter, give us the following information:  
 � Account information: Your name and account number.  
 � Dollar amount: The dollar amount of the suspected error.  
 � Description of problem:  If you think there is an error on your bill, describe what you   
  believe is wrong and why you believe it is a mistake.  
You must contact us:  
 � Within 60 days after the error appeared on your statement  
 � At least 3 business days before an automated payment is scheduled, if you want to   
  stop payment on the amount you think is wrong.  
You must notify us of any potential errors in writing . You may call us, but if you do we are 
not required to investigate any potential errors and you may have to pay the amount in 
question.  
What Will Happen After We Receive Your Letter  
When we receive your letter, we must do two things:  
 1. Within 30 days of receiving your letter, we must tell you that we received your letter.   
  We will also tell you if we have already corrected the error.  
 2. Within 90 days of receiving your letter, we must either correct the error or explain to   
  you why we believe the bill is correct.  
While we investigate whether or not there has been an error:  
 � We cannot try to collect the amount in question, or report you as delinquent on that   
  amount.  
 � The charge in question may remain on your statement, we may continue to charge you  
  interest on that amount.  
 � While you do not have to pay the amount in question, you are responsible for the   
  remainder of your balance.  
 � We can apply any unpaid amount against your credit limit.  
After we finish our investigation, one of two things will happen:  
 � If we made a mistake: You will not have to pay the amount in question or any interest  
  or other fees related to that amount.  
 � If we do not believe there was a mistake: You will have to pay the amount in   
  question, along with applicable interest and fees. We will send you a statement of the  
  amount you owe and the date payment is due.  We may then report you as delinquent if  
  you do not pay the amount we think you owe by the date the payment is due.  
If you receive our explanation but still believe your bill is wrong, you must write to us within 
10 days  telling us that you still refuse to pay. If you do so, we cannot report you as 
delinquent without also reporting that you are questioning your bill. We must tell you the 
name of anyone to whom we reported you as delinquent and we must let those 
organizations know when the matter has been settled between us. If we do not follow all of 
the rules above, you do not have to pay the first $50 of the amount you question even if 
your bill is correct.  
Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
If you are dissatisfied with the goods or services that you have purchased with your credit 
card, and you have tried in good faith to correct the problem with the merchant, you may 
have the right not to pay the remaining amount due on the purchase.  
To use this right, all of the following must be true:  
1.  The purchase must have been made in your home state or within 100 miles of your   
  current mailing address, and the purchase price must have been more than $50.   
  (Note: Neither of these are necessary if your purchase was based on an  
  advertisement we mailed to you, or if we own the company that sold you the goods or  
  services.)  
2.  You must have used your credit card for the purchase. Purchases made with cash   
RTG_Terms_Conditions_20170403 Revised 04/17  advances from an ATM or with a check that accesses your credit card account do not  
  qualify.  
3.  You must not yet have fully paid for the purchase.  
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us 
in writing [or electronically] at: Rooms to Go Loan Services, PO Box 29429, Atlanta, GA 
30359 , email: service@greenskycredit.com.  
While we investigate, the same rules apply to the disputed amount as discussed above. 
After we finish our investigation, we will tell you our decision. At that point, if we think you 
owe an amount and you do not pay, we may report you as delinquent.  
21. Entire Agreement: This Agreement constitutes the final written expression of the credit 
agreement between you and us relating to your Account. We are not bound by any oral 
representations made or implied that are not directly reflected in this Cardholder 
Agreement. A credit agreement must be in writing to be enforceable. Oral Agree -
ments or commitments to loan money, extend credit or to forbear from enforcing 
repayment of a debt including promises to extend to renew such debt are not 
enforceable. To protect you (borrower(s)) and us from misunderstanding or 
disappointment, any agreements we reach covering such matters are contained in 
this writing, which is the complete and exclusive statement of the agreement 
between us, except as we may agree in writing to modify it.  
22. MILITARY LENDING ACT: The Military  Lending Act provides protections for certain 
members of the Armed Forces and their dependents (�Covered Borrowers�). The 
provisions of this section apply to Covered Borrowers under the Military Lending Act. If you 
would like more information about whether you are a Covered Borrower and whether this 
section applies to you, please contact us at 877-266-2945.  
Statement of MAPR.  Federal law provides important protections to members of the Armed 
Forces and their dependents relating to extensions of consumer credit. In general, the cost 
of consumer credit to a member of the Armed Forces and his or her dependent may not 
exceed an Annual Percentage Rate of 36%. This rate must include, as applicable to the 
credit transaction or account: (1) the costs associated with credit insurance premiums; (2) 
fees for ancillary products sold in connection with the credit transaction; (3) any application 
fee charged (other than certain application fees for specified credit transactions or 
accounts); and (4) any participation fee charged (other than certain participation fees for a 
credit card account). Oral Disclosures.  In order to hear important Military Lending Act 
disclosures and payment information provided in this Agreement, please call  
877-266-2945.  
23. State Law Notices:  
CALIFORNIA RESIDENTS: Interest is compounded on unpaid finance charges on 
Purchases.  
DELAWARE RESIDENTS: Finance charges will be imposed in amounts or at rates not in 
excess of those permitted by law on the outstanding balances from month to month.
FLORIDA RESIDENTS:  You (borrower) agree that, should we obtain a judgment against 
you, a portion of your disposable earnings may be attached or garnished (paid to us by 
your employer), as provided by Florida and Federal law.    
MARYLAND RESIDENTS:  You have the right under Section 12-510 of 
the Commercial Law Code to receive an answer to a written inquiry 
concerning the status of your account.  
NEW JERSEY RESIDENTS:  Because certain provisions of this Agreement are subject to 
applicable law, they may be void, unenforceable or inapplicable in some jurisdictions. None 
of these provisions, however, is void, unenforceable or inapplicable in New Jersey.  
RHODE ISLAND RESIDENTS:  This is a NON-NEGOTIABLE CONSUMER NOTE.  
WISCONSIN RESIDENTS:  We will not charge you attorneys� fees, court costs, or other 
collection costs incurred as a result of your default.  
MARRIED WISCONSIN RESIDENTS:  No provisions of any marital property agreement, 
unilateral statement under Section 766.59 or court decree under Section 66.70 will 
adversely affect the interest of the creditor unless the creditor, prior to the time credit is 
granted, is furnished a copy of the agreement statement, or decree or has actual 
knowledge of the adverse provision when the obligation to the creditor is incurred. We are 
required to ask you to provide the name and address of your spouse.  
NOTICE TO THE BUYER:  
1.  DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT   
  CONTAINS ANY BLANK SPACES.  
2. YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS CREDIT   
  AGREEMENT.  
3. YOU MAY AT ANY TIME PAY MORE THAN THE MINIMUM PAYMENT OR YOUR   
  ENTIRE BALANCE IN FULL WITHOUT INCURRING ANY ADDITIONAL CHARGE  
  FOR PREPAYMENT.  
NY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT  
Borrower�s Signature: Your signature (including any electronic or digital signature) on any 
Application or on any sales slip or other evidence of indebtedness on your Account 
represents your signature on this Agreement.
Borrower: Sign Here:                  Date:                     If not physically signed and dated above, see electronic signature      
Borrower: Sign Here:                  Date:  
                  If not physically signed and dated above, see electronic signature       
LENDER:   /s/
NOTICE:
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL 
CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE 
SELLER OF GOODS AND SERVICES OBTAINED PURSUANT HERETO OR WITH 
THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT 
EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.Brand Banking Company, a Georgia state-chartered bank. 1. Definitions:  In this Revolving Credit Agreement (�Agreement�), the word �Account� 
refers to the account established by Brand Banking Company, a Georgia state-chartered 
bank (�Bank�) that is the subject of this Agreement. The words �you� and �your� refer to 
each individual who signs the Application for the Account and who, either on his own or her 
own or with another individual is authorized to use the Account. The words �we� �us� and 
�our� refer to Bank, and any person to whom an outstanding balance under this Agreement 
is transferred, assigned or pledged.  
2. Promise to Pay: In return for extending credit to you on this Account from time to time, 
you agree to pay for all purchases you charge on this Account, and all other charges 
mentioned in this Agreement, including the Summary of Credit Terms above, according to 
the terms of this Agreement. When you sign the Application for this Account, you will be 
agreeing to everything written here. Therefore, before you sign the Application, you should 
read this entire Agreement, which includes the disclosures required by applicable federal or 
state law. The information you provide on the Application that identifies you is incorporated 
in this Agreement by reference. This Agreement will not be effective until we approve your 
Application, and then, after that, only if you or someone authorized by you signs an Invoice 
or otherwise charges a purchase to this Account (in NY, the first date that you sign a sales 
slip or memorandum).  
3. Using Your Account:  You may charge purchases to your Account (up to your credit 
limit) for up to 90 days from the date your account is approved. Thereafter, you must apply 
for additional credit.  You may make payments on your Account at any time without penalty.  
4. Grace Period/Cost of Credit:  
A. Regular Terms:  Interest will be imposed at the Annual Percentage Rate (�APR�) shown  
  on the Summary of Credit Terms above.  The APR will vary with the market based on  
  the Prime Rate.  If you do not have a balance at the beginning of a cycle, interest is   
  imposed at the beginning of the next cycle date following your purchase.  If you have a  
  balance at the beginning of a cycle, interest is imposed from the purchase date.   
  However, you will avoid paying Interest if we receive your total outstanding balance on or  
  before the due date shown on the statement for that cycle or if your Previous Balance is REVOLVING CREDIT AGREEMENT
(NY Residents:  RETAIL INSTALMENT CREDIT AGREEMENT)
IMPORTANT INFORMATION ABOUT PROCEDURES FOR 
OPENING A NEW ACCOUNT
To help the government  fight the funding of terrorism and money laundering ac -
tivities, Federal law requires all financial institutions to obtain, verify, and record 
information that identifies each person who opens an account.  What this means 
for you: When you open an account, we will ask for your name, address, date of 
birth, and other information that will allow us to identify you. We may also ask to 
see your driver�s license or other identifying documents.
SUMMARY OF CREDIT TERMS
Interest Rates and Interest Charge
27.74%   This APR will vary with the
market based on the Prime Rate.Annual Percentage Rate
(APR) for Purchases
How to Avoid Paying 
InterestYour due date is at least 21 days after the close 
of each billing cycle. We will not charge you any 
interest if you pay your entire balance by the due 
date each month.
Fees
Penalty Fees
�  Late Payment
�  Returned Payment$15.00
$20.00
Billing Rights:  Information on your rights to dispute transactions and how to 
exercise those rights is provided in the Agreement below.
How We Will Calculate Your Balance:  We use a method called �Daily Bal -
ance�. The �Daily Balance� is determined by taking the opening balance of the 
account for that specific day and (1) adding any new purchase(s) made that day , 
and any fees incurred on that day and (2) subtracting any payments or credits 
applied that day.
Variable Rate:  Your Periodic Rate and corresponding APR will change if the 
Prime Rate changes.  Your APR and corresponding DPR will vary with the market 
based on the Prime Rate.  The �Prime Rate� is the highest bank prime loan rate 
published by The Wall Street Journal in its Money Rates Section on the 25th day 
(or next business day if the 25th is not a business day) of the calendar month 
preceding the first day of the billing period.  To calculate the Annual Percentage 
Rate, we take the Prime Rate and add the Margin stated above. If the Periodic 
Rate and corresponding Annual Percentage Rate increase, your interest charges 
will increase and your minimum payment may be greater.Margin, Annual Percentage Rate (�APR�) and Daily Periodic Rate (�DPR�)
Margin Current DPR
Purchase RateRate APR
23.74% 27.74% 0.076%For Credit Card Tips from the 
Consumer Financial Protection 
BureauTo learn more about the factors to consider when 
applying for or using a credit card, visit the website 
of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. RTG_Terms_Conditions_20170403 Revised 04/17FACTSWHATDOESBRANDBANKDOWITHYOURPERSONALINFORMATION? Rev.Rev.October2016
Why?Financialcompanieschoosehowtheyshareyourpersonalinformation.Federallawgivesconsumerstherighttolimitsome butnotallsharing.Federallawalsorequiresustotellyouhowwecollect,shareandprotectyourpersonalinformation. Pleasereadthisnoticecarefullytounderstandwhatwedo.
What?Thetypesofpersonalinformationwecollectandsharedependontheproductorserviceyouhavewithus.Thisinformation caninclude:-SocialSecuritynumberandIncome-AccountbalancesandPaymenthistory-CredithistoryandCreditscores
How?Allfinancialcompaniesneedtosharecustomers'personalinformationtoruntheireverydaybusiness.Inthesectionbelow, welistthereasonsfinancialcompaniescansharetheircustomers'personalinformation;thereasonsBrandBankchoosesto share;andwhetheryoucanlimitthissharing.
Reasonswecanshareyourpersonalinformation DoesBrandBankshare?Canyoulimitthissharing?
Foroureverydaybusinesspurposes--suchastoprocessyourtransactions,maintainyouraccount(s),respond tocourtordersandlegalinvestigations,orreporttocreditbureausYesNo
Forourmarketingpurposes--toofferourproductsandservicestoyou YesYes
ForjointmarketingwithotherfinancialcompaniesYesYes
Forouraffiliates'everydaybusinesspurposes--informationaboutyourtransactionsandexperiences YesNo
Forouraffiliates'everydaybusinesspurposes--informationaboutyourcreditworthiness YesYes
Forouraffiliatestomarkettoyou YesYes
Fornonaffiliatestomarkettoyou YesYes
Tolimitoursharing-Calltoll-free877-778-2710-ourmenuwillpromptyouthroughyourchoice(s) -MailtheformbelowPleasenote:Ifyouareanewcustomer,wecanbeginsharingyourinformation30daysfromthedateweprovidedorsentthisnotice. Whenyouarenolongerourcustomer,wecontinuetoshareyourinformationasdescribedinthisnotice. However,youcancontactusatanytimetolimitoursharing.
Questions?Call770-963-9224
---------------------------------------------------------------------------------------------------
Mail-inForm
Markany/allyouwanttolimit:[]Donotshareinformationaboutmycreditworthinesswithyouraffiliatesfortheireverydaybusinesspurposes. []Donotallowyouraffiliatestousemypersonalinformationtomarkettome. []Donotsharemypersonalinformationwithnonaffiliatestomarkettheirproductsandservicestome. []Donotsharemypersonalinformationtomarkettome. []Donotsharemypersonalinformationwithotherfinancialinstitutionstojointlymarkettome.
Name
Address
City,State,Zip
AccountNumberMailto:BrandBankP.O.Box1110Lawrenceville,Ga.30046
�1995-2015ComplianceSystems,Inc.79b8ab39-9211999e-2014CLS1.0.604-05/19/2014 -brand-BrandBankisthetradenameofTheBrandBankingCompanyPage2
Whatwedo
HowdoesBrandBankprotectmypersonalinformation?Toprotectyourpersonalinformationfromunauthorizedaccessanduse,weusesecuritymeasuresthat complywithfederallaw.Thesemeasuresincludecomputersafeguardsandsecuredfilesandbuildings. Werestrictaccesstoyourpersonalinformationtothosewhohavealegitimatebusinesspurpose,andwe trainemployeesondatasecurityandconfidentiality.
HowdoesBrandBankcollectmypersonalinformation?Wecollectyourpersonalinformation,forexample,whenyou -OpenanaccountorDepositmoney-ApplyforaloanorUseyourcreditordebitcard-GiveusyourincomeinformationWealsocollectyourpersonalinformationfromothers,suchascreditbureaus,affiliates,orother companies.
Whycan'tIlimitallsharing?Federallawgivesyoutherighttolimitonly-sharingforaffiliates'everydaybusinesspurposes--informationaboutyourcreditworthiness -affiliatesfromusingyourinformationtomarkettoyou -sharingfornonaffiliatestomarkettoyouStatelawsandindividualcompaniesmaygiveyouadditionalrightstolimitsharing.
WhathappenswhenIlimitsharingforanaccountIholdjointlywithsomeoneelse?Yourchoiceswillapplytoeveryoneonyouraccount
Definitions
AffiliatesCompaniesrelatedbycommonownershiporcontrol.Theycanbefinancialandnonfinancialcompanies. -Ouraffiliatesincludefinancialcompanies,suchas BrandMortgageGroup,LLC,awholly-ownedsubsidiaryofTheBrandBankingCompany.
NonaffiliatesCompaniesnotrelatedbycommonownershiporcontrol.Theycanbefinancialandnonfinancialcompanies. -Nonaffiliateswesharewithcanincludecanincludecreditcardproviders.
JointmarketingAformalagreementbetweennonaffiliatedfinancialcompaniesthattogethermarketfinancialproductsorservicesto you.-Ourjointmarketingpartner(s)includeourcreditcardandmarketingserviceproviders