Available Credit Frequently Asked Questions

Index of questions:

• What is my balance?
• What is my available credit?
• What is my minimum payment?
• Can I pay more than my minimum payment?
• When is my due date?
• When do I get my statement?
• Can I get an increase on my credit amount?
• How do I close my account?
• With which company am I financed?
• Can I make payments at Jerome's?

Q: What is my balance?

American General Customers: Your balance can be found on your monthly AGF statement. You can also call our Customer Service Department at 1-877-303-7334.

Citi Financial Customers: Your balance is on your monthly statement. If you don't have your statement, please call 1-800-643-5607 and they can help you. Please keep in mind for your protection and confidentiality, they will only talk to the person signed to the agreement.

Wells Fargo Customers: Your balance can be found on your monthly statement. You can also call WFFNB Customer Service at 1-800-643-3824. Please keep in mind for your protection and confidentiality, they will only talk to the person signed to the agreement.

Q: What is my available credit?

American General Customers: Your available credit can be found on your monthly AGF statement. You can also call our Customer Service Department at 1-877-303-7334.

Citi Financial Customers: The available credit is on your monthly statement. You can also visit a Jerome's showroom and ask to speak to a store clerk. They will need your social security number and a photo ID.

Wells Fargo Customers: Your available can be found on your monthly statement. You can also call WFFNB Customer Service at 1-800-643-3824.

Q: What is my minimum payment?

American General Customers: You will find your minimum payment amount on your AGF monthly statement. You can calculate your minimum payment by taking 4% multiplied by the total financed amount.

Citi Financial Customers: Your minimum payment is also on your monthly statement. The monthly payment on the Jerome's Freedom 6 and Freedom 12 plans is 3% multiplied by the total finance amount. On Jerome's Freedom 18 plan, the minimum payment is the amount finance divided by the term, i.e. $2400.00 divided by 24 months = $100.00. The minimum monthly payment is always greater than or equal to $15.00.

Wells Fargo Customers: The minimum payment for the regular subaccount is 1/30th of the highest new balance of the subaccount, but at least $25.00. The minimum payment will change if subsequent activity increases the new balance to an amount requiring a higher minimum payment. Please refer to your terms
and conditions or call WFFNB customer service at 1-800-643-3824 for additional information including Special Terms payments.

Q: Can I pay more than my minimum payment?

American General Customers: Yes. Customers may pay any amount over their minimum payment at any time.

Citi Financial Customers: Yes. Customers may pay any amount over their minimum payment at any time.

Wells Fargo Customers: Yes. Customers can pay any amount over the required minimum payment at any time.

Q: When is my due date?

American General Customers: Your due date can be found on your AGF statement. You can also call our Customer Services Department at 1-877-303-7334.

Citi Financial Customers: This is on your monthly customer statement in the lower section. In order to avoid the finances of please pay -----, by date -----. Please mail that amount 10 days early for processing. If you have additional questions, please call 1-800-643-5607.

Wells Fargo Customers: Please refer to your billing statement or contact WFFNB Customer Service at 1-800-643-3824. Due dates are affected by weekends and holidays.

Q: When do I get my statement?

American General Customers: Your statement arrives monthly depending on your billing cycle date.

Citi Financial Customers: Your statement arrives monthly depending on your billing cycle date.

Wells Fargo Customers: Statements arrive monthly depending on your billing cycle date.

Q: Can I get an increase on my credit amount?

American General Finance: Credit line increase may be requested by contacting our Retail Approval Center at 1-800-323-8375.

Citi Financial Customers: Credit line increases can be done by telephone by calling 1-800-247-3527 or by visiting a Jerome's Furniture location.

Wells Fargo Customers: Yes. Cardholders can call WFFNB Customer Service at 1-800-643-3824 and request limit increases or by visiting a Jerome's Furniture location.

Q: How do I close my account?

American General Customers: After your financed amount is paid in full, you can call American General's Customer Service Department at 1-877-303-7334 to close the account.

Citi Financial Customers: To close the account, please call 1-800-643-5607. For your protection and confidentiality, only the card holder can request to close the account. Customer Service will request this be done in writing and instructions will be given.

Wells Fargo Customers: Carholders call WFFNB Customer Service at 1-800-643-3824 to close accounts.

Q: With which company am I financed?

American General Customers: Please refer to your monthly statement or visit or call any of Jerome's 5 locations. Ask to speak to a store clerk. You can also e-mail Jerome's finance department. Be sure to include your full name, address and telephone number.

Citi Financial Customers: Please refer to your monthly statement or visit or call any of Jerome's 5 locations. Ask to speak to a store clerk. You can also e-mail Jerome's finance department. Be sure to include your full name, address and telephone number.

Wells Fargo Customers: Please refer to your monthly statement or visit or call any of Jerome's 5 locations. Ask to speak to a store clerk. You can also e-mail Jerome's finance department. Be sure to include your full name, address and telephone number.

Q: Can I make payments at Jerome's?

American General Customers: No. You are welcome to pay at the many local AGF branches. You can also mail your payments to: P.O. Box 4182, Carolstream, IL, 60197-4182. Please notate your account number on your payment.

Citi Financial Customers: No. Payment are not accepted at Jerome's. This is prohibited.

Wells Fargo Customers: No. Payments must be made directly to Wells Fargo Financial National Bank (WNFFNB.) Please refer to your billing statements or call WFFNB Customer Service at 1-800-643-3824 for address information. For your convenience, you can make payments ON LINE.