Brooks Card
Apply Online
Get 10% off your first purchase with The Brooks Card
1. Review and accept the Consent to Electronic Communications (below)
2. Complete the brief application
3. Review and accept the Credit Card Agreement
4. Get approved and start saving!
 
dot Unfortunately, only US residents 18 years of age or older may apply for the Brooks Card at this time.
dot If you do not wish to submit your credit application online, you may complete the printer-friendly application and mail it to
us for processing.
IMPORTANT INFORMATION ABOUT YOUR BROOKS BROTHERS CHARGE CARD ACCOUNT
ANNUAL PERCENTAGE RATE FOR PURCHASES
21.6%(variable)
21%ME, PR (fixed)
DELINQUENCY RATE* 25.60% (25.00% in ME and PR)
VARIABLE RATE
INFORMATION
In all states except ME and PR, the Annual Percentage Rate may vary and will be equal to (i) the highest prime loan rate as published in The Wall Street Journal in its Money Rates section (“prime rate”) on the last business day of the calendar month preceding the first day of such billing period and (ii) 13.10%, but in no event less than 21.60%. The Delinquency Rate will vary and will be equal to the prime rate plus 17.10%, but in no event less than 25.60%.
GRACE PERIOD FOR REPAYMENT OF THE BALANCE FOR
PURCHASES
26 days if there is no previous balance or the balance is fully paid. Otherwise, none.
METHOD OF COMPUTING THE BALANCE FOR
PURCHASES
Average Daily Balance (Including New Purchases)
In PR Average Daily Balance (Excluding New Purchases)
MINIMUM FINANCE CHARGE $.50 ($0 in PR)

Late Payment Fee: The amount of the Late Payment Fee is $25 ($15 in IA, $0 in PR). However, if your delinquent Minimum Payment was calculated on a New Balance of less than $30, the Late Payment Fee will be $10. The information about the costs of the Card described above is accurate as of 7/1/06. This information may have changed after that date. To find out what may have changed, write us at P.O. Box 981064, El Paso, TX 79998-1064. The terms of the Agreement may be changed by us as provided in the Agreement.

*The Delinquency Rate will apply if the Minimum Payment is past due twice in a 6 month period. Once in effect, if you are not late with any required Minimum Payment for 6 consecutive billing periods, the rate will return to the rate applicable to your account before the Delinquency Rate was imposed.

This is your copy of the consent to electronic communications and of the Credit Agreement and Terms. Please print or download and retain them for your records.

Step 1. Consent to Electronic Communications

1. CATEGORIES OF COMMUNICATIONS.

You understand and agree that GE Money Bank, the issuer of Brooks Brothers Credit Card, our assignees, or other holders of your Brooks Brothers Credit Card account ("we" or "us") may provide to you by electronic means the following categories of information with respect to applying for and obtaining a Brooks Brothers Credit Card account ("Account"), which may include disclosures required by applicable federal or state law (collectively, "Communications"):

• The Brooks Brothers Credit Card Agreement ("Agreement"), including, without limitation, any Truth in Lending Act disclosures; and
• Other federal and state law disclosures, notices and communications in connection with the application for an Account or opening an Account.
• GEMB's Privacy Policy For The Brooks Brothers Credit Card Program.

2. MANNER OF CONSENT.

You acknowledge that by agreeing to the Consent to Electronic Communications through this website, you demonstrate that you can access information that we would provide to you by posting electronic Communications on our website.

3.HOW TO WITHDRAW CONSENT.

You may withdraw your consent to receive electronic Communications by not submitting your online application. However, you may not apply online unless you consent to receive electronic Communications.

4. HARDWARE AND SOFTWARE REQUIREMENTS.

In order to access and retain Communications, you must have:
• An Internet Browser which supports HTML 4.0 and SSL-encryption, such as Netscape 4.0 or later and Microsoft Internet Explorer 4.0 or later.
• A means to print or store notices and information through your browser software.
• A personal computer or equivalent device capable of connecting to the Internet via dial-up, DSL, Cable Modem, Wireless Access Protocol, or equivalent , and that supports the foregoing requirements.

5.PAPER COPIES OF COMMUNICATIONS.

Upon your request, we will send you a paper copy of the Agreement, GEMB's Privacy Policy for the Brooks Brothers Credit Card Program and/or other material provided pursuant to the Consent to Electronic Communication. If you would like a paper copy of any of this material please write to us at P.O. Box 981400, El Paso, TX 79998-1400 or call us at 1-877-969-9022. There will be no charge for a paper copy of this material.

6. COMMUNICATIONS IN WRITING.

All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download a copy of this Consent to Electronic Communication, the Agreement, GEMB's Privacy Policy for the Brooks Brothers Credit Card Program, your application and any other Communication that is important to you for your records.

7. ELECTRONIC SIGNATURES.

You acknowledge that by clicking on the "I Agree" or similar button at the Brooks Brothers Credit Card application, you are indicating your intent to sign the relevant document or record and that this shall constitute your signature.

8. FEDERAL LAW.

You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

By choosing "Agree and Continue", you accept the above Consent to Electronic Communications.
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