To: Mr. Stephen Buckley, President & COO, Rooms To Go and Name Mr Erik Carpenter, AVP Collections, TD Bank N. A.

Rooms To Go & TD Bank: Be forthright with customers

Rooms To Go must let TD Bank know that customers who make timely payments must not be assessed any trumped up "late fee", especially when such customers have proof of such payments.

Why is this important?

RoomsToGo offers 4-year interest-free (TD Bank) financing for purchases from its stores. While making timely payments to avoid the more than 20 percent interest (after a 4-year period), TD Bank IMPOSES trumped-up late fees every other month. RoomsToGo and TD Bank must cease this fraudulent practice or make the public aware that such purchases are not interest-free.