THIS agreement hereby supplements and adds to the Credit disclosure and application, submitted concurrently with this Addendum, (hereinafter the account holder or borrower and or the applicant will be referred to as you, your, yours) made and submitted to Seller (or any assignee, transferee, or successor of Seller, including, specifically, (MBNB GROUP or and  mbnbgroup.com ) hereinafter referred to as Seller, We, Us and Our or ours  Upon submitting your Credit Application for credit approval or upon opening an open-end credit account or entering into a closed-end credit contract or executing any other type or form of financing agreement (credit account, credit contract and financing agreement hereinafter referred to as “ACCOUNT”); which are all incorporated and made a part of this Addendum by this reference (collectively the “Agreement”). You hereby intend to be legally bound by this Addendum. You agree that we are not required to honor your request to terminate any of the authorizations granted below unless you clearly express, make and deliver your request to us as required by law. You hereby acknowledge and represent your acceptance, agreement and authorization of all the following:

COMMUNICATION WITH YOU: You authorize us to contact you from time to time regarding your ACCOUNT and/or other marketing purposes; and to contact you in any manner we choose unless the law says that we cannot, including but not limited to the following: (1) by mail, telephone, email, fax, recorded message, text message, or personal visit; (2) on your (cellular/wireless) telephone or similar wireless device; (3) using an automated dialing device, a prerecorded message or similar automated contact device (“Auto-dialer”); (4) at your home and at your place of employment; (5) at any telephone number, (cellular/wireless) telephone number, email, social media or other address you provided or is in our records or we reasonably believe we may contact you; (6) at any time as allowed by law, including weekends and holidays; (7) with any frequency; (8) leave prerecorded and other messages on your answering machine/service and with others; and (9) identify ourselves, your relationship with us, and our purpose for contacting you even if others might hear or read it. In addition, you acknowledge and agree to the following: (1) Our contacts with you about your ACCOUNT are not unsolicited and might result from information we obtain from you or others; (2) we may monitor or record any conversation or other communication with you; (3) unless the law says we cannot, we may modify or suppress caller ID as allowed by law and similar services and identify ourselves on these services in any manner we choose; (4) when you give us or we obtain your (cellular) telephone number or similar device number, you authorize us to contact you at that number using an Auto-dialer and we may also leave prerecorded and other messages; (5) you authorize us to do all of these things whether we contact you; or you contact us; and (6) attempting to contact you every day you are in default at each number associated with you is okay and you do not consider that to be harassing, annoying or abusive.

You agree that we are not required to honor your request to terminate any of the above contact authorizations granted unless you clearly express, make and deliver your request to us as required by applicable law

“CHECK 21” AUTHORIZATION: When you provide a check as payment on your ACCOUNT, you authorize us either to use information from your check to make a one-time Electronic Fund Transfer (“EFT”) from your bank account or to process the payment as a check transaction. When we use information from your check to make an EFT, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution.

ELECTRONIC FUNDS TRANSFER or CREDIT/DEBIT CARD PAYMENT AUTHORIZATION: Upon any Account payment default, you authorize us to initiate and use: EFT over the ACH network or your Credit/Debit Card to charge (debit)(or credit if we make an error): your Bank account, or your Credit/Debit Card account, identified in your Credit Application and/or that has been submitted to us by you or your agent for payment or any substitute Bank account or Credit/Debit Card account of yours or which you are authorized to use, for any and all payments you owe on a scheduled payment due date and for any late fees, return item charge fee ($25.00 or the maximum permitted by applicable state law, whichever is less..) for each returned EFT transaction (rejected for Non-Sufficient Funds, submission error, or other bank related return reasons) or other charges required by the terms and conditions of your ACCOUNT. You agree that we may resubmit any returned EFT or Credit/Debit Card transaction as permitted by law and network rules. We are not responsible for any Bank fees or Credit/Debit Card account fees you incur in connection with returned payments. Instead of or in addition to any of the EFT or Credit/Debit Card transactions described in this Paragraph, you also authorize us to process any EFT or Credit/Debit Card you subsequently authorize by phone, text message, email or other electronic communication. You may terminate or update this authorization so long as you make and deliver the termination or update request to us in writing or notify us orally, at least three (3) business days before the scheduled payment. You are required to deliver a written confirmation to us of any oral request to terminate or update your authorization within fourteen (14) days of when you made the oral request, otherwise your oral request will be void. If at the time you opened or entered into your ACCOUNT you authorized the payments on that ACCOUNT to be by EFT or Credit/Debit Card and you subsequently terminate that original authorization without providing any replacement authorization, your ACCOUNT may then be subject to default. If any payment cannot be obtained by EFT or Credit/Debit Card, you remain responsible and liable for any such payment. You authorize us to create and process drafts against the Bank account, instead of an EFT, if you terminate this authorization to initiate an EFT. You understand and agree that terminations must be made or confirmed in writing. You agree not to dispute any EFT we have initiated with your bank or Credit/Debit Card, so long as the transaction(s) correspond(s) to the terms indicated in this authorization and your ACCOUNT was credited with the amount of the EFT or Credit/Debit Card transaction(s). If you do dispute the EFT or Credit/Debit Card transaction(s), you agree this paragraph may be submitted as conclusive evidence of your authorization. You acknowledge that you are the owner or authorized signer/user on the Bank account information or Credit/Debit Card account information entered in your Credit Application or submitted by you or your agent to us. Your proof of payment will be sent and/or emailed to you along with your periodic billing statement upon request.

LATE CHARGE: If we do not receive an installment payment in full within ten (10) days [or fifteen (15) days if required by applicable state law] after the date your ACCOUNT installment payment is due, you hereby agree to pay a late charge amount of $25.00 or the maximum amount permitted by applicable state law whichever is less.

RETURNED CHECK OR RETURNED ACH PAYMENT CHARGE: If a payment on your ACCOUNT is made by a check or an ACH (electronic payment authorization) which is returned to us unpaid by your bank, you agree to pay us a charge equal to $25.00 or the maximum permitted by applicable state law, whichever is less.

APPLICANT REPRESENTATIONS:  You promise that You have given us true and correct information in Your application for credit, You have no knowledge that will render that information untrue in the future, and you understand that We have relied upon the correctness of that information in entering into the Agreement; that upon Our request You will provide Us with documents and other information necessary to verify any item of information contained in your credit application.  It is expected that the Seller will assign this Agreement to an assignee without further prior notice to you. Upon assignment, all of the Seller’s rights hereunder will transfer to the Seller’s assignee. After Seller assigns this Agreement to an assignee, you will receive a written notice of said assignment from the Seller and the assignee any assignee can rely on all of the representations, promises and agreements you have made to the Seller as if you had made them to the assignee. There are no other agreements or understandings other than those in writing contained in the agreements you have signed.

                APPLICANT’S RESPONSIBILITY: You will notify us within 30 days’ time after any change in your name, address or employment. You will send any notification to the address where you make your installment payments

APPLICANT INFORMATION: You agree that the Department of Motor Vehicles (or your state’s equivalent of such department) may release your residence address to us, should it become necessary to locate you.

MARYLAND STATE RESIDENTS – RELEASE OF SECURITY INTEREST: If you are a resident in the state of Maryland; and, THE BOSS COMPANY, LLC aka MBNB GROUP and their servicing centers and or their assignee or affiliates is the Assigned to   your ACCOUNT,  aka  MBNB GROUP and assignee, servicing centers and affiliates  releases, disclaims and terminates any and all security interests any and all of its rights and/or claims related to any and all security interests given to the Seller in all of the goods described and purchased by you, the Applicant, in your ACCOUNT.

INTEREST AFTER MATURITY: If you have not paid off your Account by the final due date or upon your default on your ACCOUNT, you agree to pay us finance charges at either the Annual Percentage Rate shown on the front page of your ACCOUNT or an amount equal to the maximum Annual Percentage Rate permitted by applicable state law, whichever is greater, until all sums owed to us by you on your ACCOUNT are paid in full.

ENTIRE AGREEMENT: This Agreement contains all the agreements, understandings, representations, conditions, warranties and covenants between you and us; and, correctly sets forth all your and our rights, duties, and obligations to each other. Unless set forth herein, all prior or contemporaneous agreements, negotiations or representations, concerning the subject matter herein, not expressly set forth herein are of no force or effect. Time is of the essence with respect to all obligations of the Buyer under this Agreement

SEVERABILITY and CONTROLLING PROVISION: If any provision, section, subsection, paragraph, or subparagraph of the Credit Application, this Addendum or your ACCOUNT (collectively the “Agreement”) is adjudged by any court of law to be void or unenforceable in whole or in part, such adjudication shall not be deemed to affect the validity of the remainder of the Agreement, including any other provision, paragraph, or subparagraph. Each provision, paragraph, and subparagraph of the Agreement is declared to be severable from every other provision, paragraph, and subparagraph and constitutes a separate and distinct provision. We may delay or refrain from enforcing any of our rights under this Addendum or on your ACCOUNT without waiving them. Wherever the terms of this Addendum conflict with the terms of the ACCOUNT or the Credit Application, the terms of this Addendum shall control.

MISCELLANEOUS: NOTICE OF APPLICANT’S RESPONSIBILITY: UNDER SECTION 1788.21 OF THE CALIFORNIA CIVIL CODE (or, if applicable, a similar statute in your State), YOU ARE REQUIRED TO NOTIFY Seller OF ANY CHANGE IN YOUR NAME, ADDRESS OR EMPLOYMENT WITHIN A REASONABLE TIME AFTER SUCH CHANGE OCCURS.

AUTHORIZATION TO RELEASE CREDIT, EMPLOYMENT & CONTACT INFORMATION: By your signature below, you: certify and represent that the information disclosed in the Credit Application is true, complete and accurate to the best of your knowledge; and you agree and acknowledge that the information disclosed therein is material to the Seller’s decision with respect to granting or denying your Credit Application to open or enter into an ACCOUNT and you also hereby authorize and consent to a credit check and employment verification and authorize the Seller (or any assignee, transferee, or successor of Seller, including servicing centers , specifically, THE BOSS COMPANY, LLC aka MBNB GROUP aka mbnbgroup.com )  to periodically order, gather, update and review as they consider necessary and appropriate your credit history, employment history/status and investigate the accuracy of the information contained in your Credit Application. By providing your E- mail address, you hereby consent to receive E-mail communications about your ACCOUNT and you authorize us to provide your E-mail address to our assignee. Until your ACCOUNT is paid in full, you authorize all banks, credit bureaus, Sellers, employers, references and any and all other persons and information sources to provide and release to the Seller or its assignee any and all information concerning your credit, financial, employment and contact information.

THE UNDERSIGNED APPLICANT(S) hereby acknowledges and represents his/her acceptance and agreement with all of the authorizations, terms and conditions contained within the Credit Application, this Addendum and your ACCOUNT. Applicant(s) agrees to comply with all the terms and conditions contained within the Credit Application, this Addendum and your ACCOUNT. Each undersigned Applicant(s) acknowledges having filled-out, read and understood the Credit Application, the ACCOUNT and this Addendum. In addition each undersigned Applicant(s) acknowledges receiving a true and correct copy of this Addendum and all other ACCOUNT related documents they signed and that no promises, representations or agreements were made to Applicant(s) that were not in writing on any of the ACCOUNT related documents Applicant(s) signed.

SI ESTA TRANSACCIÓN FUE HECHA EN ESPAÑOL, CERTIFICO QUE YO HE RECIBIDO UNA COPIA DE ESTE APNDICE EN ESPAÑOL AL DORSO. ADEMÁS, SI NECESITO UNA TRADUCCIÓN EN ESPAÑOL DE ESTE ACUERDO, ES MI RESPONSABILIDAD NO FIRMAR EL VERISON EN INGLÉS Y PEDIR LA VERSIÓN EN ESPAÑOL

BY signing this application to open an account with MBNB GROUP:  

The information I have given you regarding my financial standing and personal information is accurate and correct.

 I will give THE BOSS COMPANY DBA MBNB GROUP notice of any material change in my financial condition. MBNB GROUP may use information about me to determine my credit worthiness and May sharing this information with affiliated companies. I agree that MBNB GROUP and/or affiliates may request a report on me from a credit bureau in connection with my account and any review, renewal, or extension of the account. I have read and understood the applicable disclosures attached to this application, and authorize MBNB GROUP to open a revolving account for me. 

 I understand that the term and conditions of my account shall be governed by the credit agreement and disclosure that has been furnished to me.