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Raymour & Flanigan Credit Card Agreement (including Truth-in-Lending Disclosures), Arbitration Agreement and Privacy Policy

Before completing
and submitting your
application, please
read the following
disclosures.

You must be 18 years or
older to apply.

Please read the following disclosures, including the Raymour & Flanigan Credit Card General Terms (including Truth-in-Lending disclosures), Arbitration Agreement and Privacy Policy.

The link below takes you to the Credit Card Agreement (which includes the application and account opening Truth-in-Lending disclosures), the Arbitration Agreement and the initial Wells Fargo Financial National Bank Privacy Policy ("Privacy Policy") that cover the Raymour & Flanigan credit card account. Please read these documents carefully -- you must review the Credit Card Agreement, the Arbitration Agreement and the Privacy Policy before submitting the application. When you submit the application for a Raymour & Flanigan credit card electronically, you agree to the terms of these documents. The application and account opening Truth-in-Lending disclosures include the disclosures containing rate, fee and other cost information that must be provided in connection with an application to open a credit card account and the disclosures that must be provided before the first transaction under the account.

By agreeing to your Credit Card Account Agreement and Arbitration Agreement terms electronically and receiving your Truth-In-Lending disclosures and Privacy Policy electronically, you will be able to use your account immediately after our approval of the application at any Raymour & Flanigan location or on-line.

E-SIGN CONSENT TO USE ELECTRONIC RECORDS AND SIGNATURES

As part of your relationship with us, you are entitled by law to receive certain information "in writing." The federal E-SIGN Act and certain state laws allow us to provide this information to you electronically, instead, with your prior consent. We also need your general consent to use electronic records and signatures in our relationship with you. So, before you submit your application for a Raymour & Flanigan credit card account electronically, you must review and consent to the terms outlined below.

In this consent, "we," "us," "our" and "Wells Fargo" are used to refer to Wells Fargo Financial National Bank. "You" and "your" refer to the person giving this consent.

  1. Your consent to use electronic records and signatures. You consent to receiving your Credit Card Account Agreement (including Truth-in-Lending disclosures) the Arbitration Agreement and the Privacy Policy electronically ("Electronic Records"). We may also use and obtain from you electronic signatures.
  2. Your option to receive paper copies. If you want a copy of your Credit Card Account Agreement (including Truth-in-Lending disclosures), the Arbitration Agreement or Privacy Policy on paper, you may contact our customer service unit and request a paper version at no charge. You can call our customer service unit toll-free at 800-459-8451 from 8:00 a.m. to 6:00 p.m. Central time, Monday - Friday.
  3. Your consent covers the Credit Card Account Agreement (including Truth-in-Lending disclosures) the Arbitration Agreement and the Privacy Policy. Your consent applies to the Credit Card Account Agreement (including Truth-in-Lending disclosures) for your account, the Arbitration Agreement and the Privacy Policy. Your consent does not apply to Truth-in-Lending disclosures provided after your account is opened, such as the disclosures given on your monthly periodic statements, or to any annual notice of our privacy policies that we may provide. Your monthly periodic statements and annual notice of our privacy policies will be sent in paper form.
  4. You may withdraw your consent at any time before you submit your application. You have the right to withdraw your consent at any time prior to submitting your application at no cost to you. If you wish to withdraw your consent, you must exit your Web browser without clicking the Continue button at the end of the application. If you withdraw your consent you will not be able to apply for a Raymour & Flanigan account electronically. If you do not wish to receive your Credit Card Account Agreement (including Truth-in-Lending disclosures), Arbitration Agreement and Privacy Policy electronically and would like to have them provided in paper form, you may apply by mail for a Raymour & Flanigan credit card. Please call the toll-free customer service number given in paragraph 2 above to request a paper application.
  5. You must keep your email or electronic address current with us. In order to ensure that we are able to provide you with important notices and other information from time to time, you must notify us of any change in your email or other electronic address. You may change the email address on record for you by calling the toll-free customer service number given in paragraph 2 above.
  6. Hardware and software you will need. To access and retain Electronic Records, you must have:
    • a Current Version (defined below) of an Internet browser we support,
    • a connection to the Internet,
    • an active email account,
    • a Current Version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader), and
    • a computer and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.

    By "Current Version," we mean a version of the software that is currently being supported by its publisher. The following link includes more information on the software we currently support and links for downloading the software and related system requirements: Technical Requirements.

    You should check the Technical Requirements page occasionally for updates on supported software. From time to time, we may offer services or features that require that your Internet browser be configured in a particular way, such as permitting the use of JavaScript.

    We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security or other flaw that makes it unsuitable for use with your account. And we always reserve the right, in our sole discretion, to communicate with you by U.S. Postal Service.

Please indicate your consent to receive the Electronic Records and to use electronic records and signatures by checking the "I consent to receiving my agreements and disclosures electronically" box. By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the co-owners of your accounts.



We recommend that you print or save this document for your records.

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