Dealer# _________________________________________________ 

AUTOMATIC PAYMENTS 

(cid:136) I would like to be set up for automatic monthly payments from my checking or 
     savings account (ACH). 
(cid:136) I would like to receive my monthly account statements by e-mail and have access 
     to pay my bill online. 

A representative will contact you to set up the above payment options 

By signing this application: 1) you warrant all information you provide is true and complete; 2) 
you authorize Dealer to assign this application to Aqua Finance, Inc. or its assigns; 3) you 
authorize a full investigation and release of any records from any source, including credit 
bureau reports, to check the accuracy of information on this application; and 4) you consent 
to receiving autodialed message calls from us or our agents on your wireless phone. You 
have a continuing duty to keep us informed if any information on this application changes. By 
completing and signing this application you understand that you have requested that we 
open a revolving credit account which allows you to make credit purchases on account as 
evidenced by a revolving credit sales slip, and you agree to all the terms and conditions of 
this Revolving Credit Agreement. By your signature you acknowledge that you have received 
and read all the terms of this Agreement before making any purchases on the account. IF 
THIS IS A JOINT ACCOUNT YOU UNDERSTAND THAT EACH APPLICANT HAS THE 
RIGHT TO USE THE ACCOUNT TO THE CREDIT LIMIT AND THAT CO-APPLICANTS 
ARE JOINTLY AND SEVERALLY LIABLE FOR ALL PURCHASES ON THE ACCOUNT.  
See State Notices for important information regarding this credit application and 
agreement. No agreement exists between us until this application is approved.  
DO NOT SIGN BELOW UNLESS MERCHANT HAS PROVIDED THE ATTACHED 
DISCLOSURES AND TERMS. BY YOUR SIGNATURE BELOW YOU ACKNOWLEDGE 
RECEIPT OF THE ATTACHED REVOLVING CREDIT AGREEMENT. 
                                                                       /         / 
Applicant Signature                                                                            Date 
                                                                     /         / 
Joint Applicant Signature                                                                  Date 

NOTICE  TO  WISCONSIN  APPLICANTS:  No  provision  of  a  marital  property  agreement,  a 
unilateral statement under Wis. Stats. §766.59, or a court decree under Wis. Stats. §766.70 
adversely  affect  the  interest  of  the  creditor  unless  the  creditor  is  furnished  a  copy  of  the 
decree, agreement, statement, or has actual knowledge of the adverse provision prior to the 
time  credit  is  granted.  You  must  supply  us  with  your  spouse’s  name  and  address  in  the 
Spouse/Joint  Applicant  section  above  so  we  can  give  notice  of  this  credit  transaction  by 
mailing  a  copy  of  this  application.    If  you  are  married,  you  agree  that  this  obligation  is 
incurred in the interest of marriage or family.  
Applicant Signature:___________________________________________________ 

CREDIT  REPORT  NOTICE:  We  may  request  a  credit  report  for  any  legitimate  purpose 
associated  with  your  application  for  credit,  extending  credit,  modifying  the  terms  of  your 
credit agreement, or collection on your account. On your request we will inform you if such a 
report was ordered and will give you the name and address of the credit reporting agency 
that furnished the report. 

NOTICE:  The  Federal  Equal  Credit  Opportunity  Act  prohibits  creditors  from  discriminating 
against  credit  applicants  on  the  basis  of  race,  color,  religion,  national  origin,  sex,  marital 
status,  age  (provided  the  applicant  has  the  capacity  to  enter  into  a  binding  contract); 
because all or part of the applicant’s income derives from any public assistance program; or 
because  the  applicant  has  in  good  faith  exercised  any  right  under  the  Consumer  Credit 
Protection Act. The Federal agency that administers compliance with the law concerning this 
creditor is the Federal Trade Commission. 

Delaware residents: Service charges not in excess of those permitted by law will be 
charged on the outstanding balances from month to month. 
Maryland residents: Finance charges will be made in amounts or at rates not in 
excess of those permitted by law. 
AFI-500-RCA   8/1/11 

Initial Sale $_______________ Down Payment $_________________ 

Your Minimum Monthly Payment will be between 2% and 5% of the 
“Highest Monthly Charge” balance since your Monthly Charge Balance 
was zero (less any Special Payment Plans) as will be shown on your 
billing statement, rounded to the next highest dollar, or $15, whichever 
is greater.  A finance charge will be computed on your outstanding 
balance each month. 

In this Agreement “you” and “your” refer to all persons applying for credit 
and “we”, “us”, and “our” refer to Dealer and its assigns.  

CUSTOMER CREDIT APPLICATION  

APPLICANT INFORMATION   (Please Type or Print Clearly) 

□ Own   □ Rent                                                   Mobile Home?  □ Yes   □ No 
Social Security Number                                                      Driver’s License Number    
          -        - 
First Name                                       Middle                                                    Last Name 

Home Phone Number                                                     Cell or Pager Number 
(              )                                                   (              ) 
Date of Birth                                                      E-mail address       
        /            / 
Current Address                                                                                                  Apt #  

City                                                                                   State              Zip                              

     Monthly Rent or Mortgage Payment                                        
$                                                       

APPLICANT EMPLOYMENT INFORMATION 
Present Employer                                            Self-Employed?  (cid:70) YES  (cid:70) NO 

Position                                                                How long? (month/Year) 

Business Phone                                                       Gross Monthly Income            
(                )                                                          $ 

JOINT APPLICANT INFORMATION   (cid:137) Spouse     (cid:137) Non-spouse 

Social Security Number                                                                     Driver’s License Number   
            -            - 
First Name                                       Middle                                                    Last Name 

Home Phone Number  (if different from Applicant)        Cell or Pager Number 
(                  )                                                 (                 ) 
Date of Birth                                                E-mail address                               
          /              / 
Current Address  (cid:70) Same as Applicant  (if not, please provide below)                                               

City                                                                                  State              Zip                             

Employer 

Position                                                                                             Gross Monthly Income                
                                                                                $ 
Business Phone                                                                                    How long?(Month/Year) 
(               ) 

OTHER INCOME SOURCES (family support income need not be revealed if you 
 do not wish to have it considered as a basis for repaying this obligation)  

Domestic partner/Spouse (not on application) 
Retirement/SSI 
Rental Income 
Investments 
Other (List Type:_____________________________) 

$____________________ 
$____________________ 
$____________________ 
$____________________ 
$____________________ 

PERSONAL REFERENCE (not living with you) 

Name 

Relationship                                                                      Phone Number 
                                                                     (             ) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
IMPORTANT INFORMATION ABOUT YOUR ACCOUNT 

KEEP THIS INFORMATION FOR YOUR RECORD 

REVOLVING CREDIT AGREEMENT AND 
DISCLOSURE STATEMENT 
Dealer may assign all rights under this Agreement and any credit sale made pursuant to it 
(as evidenced by a revolving credit sales slip) to Aqua Finance, Inc. (AFI)   
Interest Rates and Interest Charges 
Annual 
Percentage Rate 
(APR) for 
Purchases  
Penalty APR  
and  
When it Applies** 

17% - 17.99%   
(APR Varies By State.  See table 
below for applicable rate in your 
state *) 
21% (see table below for 
applicability in your state**) 
This APR may be applied to your 
account if you make a late 
payment.   
How Long Will the Penalty Rate 
Apply?:  The Penalty APR may 
remain in effect indefinitely. 
Finance Charges begin on the date 
a purchase is posted to your 
account, except in states requiring 
a grace period, in which case your 
due date is at least 25 days after 
the close of each billing cycle and 
we will not charge you interest if 
you pay your entire balance by the 
due date. 
If you are charged interest, the 
charge will be no less than $0.50. 
To learn more about factors to 
consider when applying for or using 
a credit card, visit the Federal 
Reserve Board’s website at 
www.federalreserve.gov/creditcard. 

Paying Interest  

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Federal Reserve 
Board  

Fees  
Fees Vary By State 
Penalty Fees 
Up to $35 See Paragraph 11 of Agreement 
•Late Payment  
•Returned Payment  
Up to $30 See Paragraph 12 of Agreement 
How We Will Calculate Your Balance: We use a method called the 
“Average Daily Balance (including new purchases).”  See your account 
Agreement for more details. 
Billing Rights: Information on your rights to dispute transactions and how 
to exercise those rights is provided in your account agreement. 
This  information  is  accurate  on  the  date  of  your  application  and 
initial  purchase.    If  any  of  this  information  changes  you  will  be 
notified at least 45 days prior to any change and how to contact us 
regarding any change.  All terms are subject to change. 

* State APR Rates 

Arkansas 

17% 
17.99%  All other states 

** The penalty APR rate does not apply in the following states: Arkansas, Colorado, 
Connecticut,  Delaware,  Florida,  Illinois,  Kansas,  Louisiana,  Maine,  Massachusetts, 
Michigan,  Minnesota,  Nebraska,  North  Carolina,  Oklahoma,  Pennsylvania,  Rhode 
Island, South Carolina, Texas. 

1. GENERAL:  If your credit application is approved and we open a revolving credit account 

for you, you may purchase household goods and services on credit from the dealer where 
you opened your account. Purchases are pursuant to a revolving credit sales slip and you 
agree that all sales are subject to the terms of this Agreement.  
2. PROMISE TO PAY:  You agree to pay for all purchases made on your account, FINANCE 
CHARGES, and other applicable charges or fees under this Agreement incurred by you or 
anyone you authorize or permit to use your account. If this account is a joint account, each 
joint  account  holder  agrees  to  pay,  and  all  account  holders  are  jointly  and  severally 
responsible for all amounts owed on the account. If your account is referred for collections to 
an attorney who is not our salaried employee, you agree to pay reasonable attorney fees and 
reasonable collection costs to the extent allowed by law in your state. If your state does not 
allow attorney fees (IA, ME, OH, and WI), you agree to pay any statutory attorney fees and 
costs that may be awarded to us by a court of law.  
3. CREDIT LIMIT:  We set a credit limit on your account which we may modify at any time for 
any reason not prohibited by law. You may not charge purchases if it causes you to exceed 
your  credit  limit  unless  we  allow  such  purchases.  You  agree  to  pay  all  amounts  over  your 
credit limit. 

4. BILLING STATEMENT:  We will mail you a statement each month you have an account 
balance greater than $1.00 at the address we have in our records. This statement will show 
credit  purchases,  late  charges,  NSF  fees,  previous  balance,  new  balance,  payments 
received,  credits,  FINANCE  CHARGES,  total  minimum  payment  due,  and  payment  due 
date. 

5.  MINIMUM  MONTHLY  PAYMENT:    All  payments,  except  disputed  payments,  must  be 
mailed  or  delivered  to  the  Payment  Processing  Center  address  shown  on  your  monthly 
billing  statement.  All  payments  must  be made  by  electronic  fund  transfer,  check  or  money 
order. Do not send cash. Cash or other nonconforming methods of payment may by rejected. 
We  may  accept  partial  or  late  payments  or  checks  marked  “payment  in  full”  or  other 
restrictive endorsement without losing our right to receive the full amount owed. Your billing 
statement  will  include  requirements  for  you  to  follow  in  making  payments.  Disputed 
payments, including those which indicate that the payment constitutes “payment in full” of the 
amount  owed,  must  be  mailed  or  delivered  to  the  Customer  Service  address  listed  below. 
You  agree  to  pay  us  at  least  the  Total  Minimum  Monthly  Payment  reflected  on  your 
statement. You may pay more than the Total Minimum Monthly Payment and you may pay 
the  entire  amount  due  at  any  time.    The  Total  Minimum  Monthly  Payment  Due  shown  on 
your  billing  statement  will  be  the  sum  of  the  Minimum  Monthly  Payment  plus  all  past  due 
amounts, late fees, and other charges. The Minimum Monthly Payment is calculated at the 
end of the first month in which you make a purchase, and will be calculated each month in 
which you make an additional purchase.  Your Minimum Monthly Payments will be between 
2%  and  5%  of  the  “Highest  Monthly  Charge”  balance  since  your  Monthly  Charge  Balance 
was zero, less any Special Payment Plans as shown on your billing statement rounded to the 
next higher dollar, or $15, whichever is greater, unless your account balance is less than $15 
in  which  case  the  Minimum  Monthly  Payment  will  be  equal  to  the  account  balance.  You 
agree  that  any  payment  may  be  returned  if  your  check  is  (i)  not  drawn  in  U.S.  dollars  on 
funds on deposit in the U.S.; (ii) missing a signature; (iii) drawn with different numeric and 
written  amounts;  (iv)  contains  a  restrictive  endorsement;  (v)  postdated;  or  (vi)  not  paid  on 
presentment.  If you do not make a Total Minimum Monthly Payment within 60 days of its 
due  date,  we  may  apply  the  Penalty  APR  to  your  account,  if  allowed  by  the  state  of  your 
residence.  We will give you advanced notice of the date the Penalty APR is effective.  The 
Penalty APR may remain in effect indefinitely, unless you make the first six consecutive Total 
Minimum Monthly Payments when due following the effective date of the application of the 
Penalty APR to your account. 

6. ELECTRONIC FUND TRANSFER:  When you provide a check, you authorize us either to 
use  information  from  your  check  to  make  a  one-time  electronic  fund  transfer  from  your 
account  or  to  process  the  transaction  as  a  check.    When  we  use  your  check  to  make  an 
electronic  fund  transfer,  funds  may  be  withdrawn  from  your  account  as  soon  as  the  same 
day we receive your payment, and you may not receive your check back from your financial 
institution. If there are insufficient funds in your account you authorize us to charge an NSF 
Fee as indicated below and collect that amount through an electronic fund transfer from your 
account. 
7. PREPAYMENT:  You may pay your entire account balance at any time without penalty.  If 
you do not pay the entire balance in full, you must make a minimum payment each month by 
the payment due date that appears on your billing statement. Under federal law, we are not 
required to refund any amounts less than $1.00. 
8. FINANCE CHARGE:  FINANCE CHARGES begin the date a purchase is posted to your 
account  and  accrue  as  long  as  your  account  has  a  balance,  except  in  states  with  a 
mandatory grace period. The FINANCE CHARGE is computed by applying a daily periodic 
rate of .04658% (corresponding to an annual percentage rate of 17%) or a periodic rate of 
.04929% (corresponding to an annual percentage rate of 17.99%) to the daily balance. The 
daily balance is calculated by taking the beginning balance in the account each day, adding 
any  new  charges  and  subtracting  payments  and  credits.  The  FINANCE  CHARGE  is 
calculated by (i) taking each daily balance, (ii) multiplying that daily balance by the applicable 
daily periodic rate, (iii) adding together the resulting amounts for each day in the billing cycle. 
The  total  periodic  FINANCE  CHARGES  for  the  billing  cycle  is  the  sum  of  the  periodic 
FINANCE  CHARGES  for  each  purchase  type  rounded  to  the  next  highest  cent.  Any  Daily 
Balance less than zero will be treated as zero. A minimum FINANCE CHARGE of no less 
than  $0.50  is  added  to  your  account  in  any  billing  cycle  your  account  is  subject  to  a 
FINANCE CHARGE, except in states where prohibited by law. The grace period is 25 days 

 
 
 
 
 
 
 
 
 
 
 
in Louisiana, Maine, Maryland, Massachusetts, Mississippi, North Carolina, and Virginia and 
30 days in Nebraska & Vermont on new purchases where you account balance is $0 or you 
have paid your previous balance due in full by the end of the billing cycle.   
9. DEFAULT:  You are in default if: (a) you fail to make a required payment when due on two 
occasions  in  any  12  month  period;  (b)  you  fail  to  observe  or  perform  any  of  the  other 
covenants or duties contained in this Agreement if the failure materially impairs the condition, 
value or protection of our right in any Collateral, or materially impairs your ability to pay any 
amounts on your billing statement when due. You will receive a Notice of Right to Cure in the 
following  states:  Colorado,  Iowa,  Kansas,  Maine,  Massachusetts,  Nebraska,  Pennsylvania, 
and Wisconsin. If you fail to cure within the time allowed in your notice or within 30 days if 
you live in a state with no notice requirement, we may accelerate your balance. 
10.  SPECIAL  CREDIT  PROMOTION  PLANS:  We  may  occasionally  offer  special  credit 
promotion plans for you to participate in at your option. 
11.  LATE  FEE:    If  your  payment  is  more  than  10  days  late  (15  days  in  Maine, 
Massachusetts, Idaho, or South Dakota), you may be charged a late fee up to the amount 
indicated  below  for  your  state  of  residence.    The  late  fee  will  be  added  to  your  account 
balance. 

KS & MO if payment due is less than $25 
AK, AR, CA, FL, KS, MO, MT, NJ, OH, RI, SD, TN   
CO, IN, IA, MS, NV, NH, NY, ND, OR, VT, WA, WI 
GA 
MN -$7.28 maximum; NC -$6 maximum 
AL, KY & WY -$10 minimum; 
ID & MI -$15 minimum; 
HI, VA 

5% of payment due;  

$5 
$10 
$15 
$25 
5% of payment due 
$35 maximum* 

UT 
NE 
OK ($5 minimum), TX, D.C. 
AZ, CT,IL, LA, MD, ME 
NM, PA, SC 
MA 

5% of payment due; 
5% of payment due; 
5% of payment due; 
5% of payment due; 
5% of payment due; 
10% of payment due; 

$30 maximum* 
$25 maximum 
$15 maximum 
$10 maximum 
$5 maximum 
$10 maximum 

*($25 maximum-first occurrence in more than 6 months.) 
12. RETURNED PAYMENT / NSF FEE:  If any payment instrument or method is dishonored 
by your bank or the drawee, you agree to pay an NSF fee up to the amount indicated below 
for  your  state  of  residence.    If  required  by  your  state,  you  will  receive  a  notice  with 
instructions about the NSF service or collection fees, and if you fail to pay the fee we will add 
it to your account balance.  We are not required to present payment instruments more than 
once to the drawee for payment. This fee will be added to your account balance.  

MA, ME, AZ (greater of $10 or bank fee) 
CA, MS, MO 
CT, D.C., ID, IA, MN, NJ, NY, OH, PA, UT, VT 
AR, CO, FL, IL, IN, KY, LA, MI, NV, NH, NM, NC, OK, OR, RI, TX, WI  
AL, AK, GA, HI, KS, MT, ND, SC, SD, TN, VA, WA 
*($25 maximum-first occurrence in more than 6 months.) 

$10 
$15 
$20 
$25 
$30* 

13. ACCOUNT INFORMATION:  You authorize us to furnish information about your account 
to credit reporting agencies and anyone else who may lawfully receive such information. On 
request,  you  agree  to  promptly  provide  us  with  accurate  and  updated  financial  and 
employment information. You agree to give us prompt notice of any change in your name, 
address, and telephone numbers. Where allowed by law, you authorize the Department of 
Motor Vehicles to release your address if it becomes necessary to locate you. 

14. CHANGE IN TERMS:  We may change the terms of this Agreement, as permitted by law, 
at any time. You will be notified of changes in accordance with applicable state and federal 
law, but in the event your state does not specify a time period, you will be notified at least 45 
days in advance of any such changes, and such notice will be sent to your current address 
as  shown  on  our  records  for  your  account.  We  count  the  days  from  the  date  we  mail  the 
notification.  

15. CREDIT INVESTIGATION:  You agree we may investigate your credit, employment, and 
financial status. You authorize us to obtain a credit report and any other information about 
your  creditworthiness  in  connection  with  processing  your  application  for  credit,  and 
subsequently in connection with any extension of credit, request to increase credit limits, or 
any  renewal  or  update  of  your  account,  or  to  take  collection  action  on  the  account,  or  to 
investigate disputes regarding the account. At your request, we will inform you if such reports 
were ordered, and the names of the credit bureaus that provided reports. You authorize the 
Department  of  Defense  and  its  various  departments  and  commands  to  verify  your  social 
security number or other identifier and disclose your home address to the authorized holder 
of this Agreement for purposes of performing or enforcing the terms of this Agreement. You 
authorize  any  past  or  present  employer  to  confirm  employment  or  communicate  with  us 
regarding  your  indebtedness  to  us  if  you  fail  to  meet  the  terms  and  conditions  of  this 
Agreement. We use information furnished solely in connection with performing or enforcing 

the terms of this Agreement.  

16. ACCOUNT CANCELLATION:  We may cancel your account at any time for any reason 
subject  to  the  requirements  of  applicable  law.  Outstanding  balances  continue  to  accrue 
FINANCE CHARGES until paid in full, and remain subject to all terms and conditions of this 
Agreement. You may cancel your account by writing  to our  account service provider Aqua 
Finance, Inc., P.O. Box 844, Wausau, WI 54402-0844. Your notice is effective on receipt. If 
you cancel your Account, you are still responsible for all amounts owed pursuant to the terms 
of this Agreement.  

17. ASSIGNMENT:  This Agreement is not effective until your application has been approved 
by  AFI.  We  have  the  right  to  assign  any  or  all  of  our  rights  under  this  Agreement  to  any 
assignee of our choosing.  You may not assign this Agreement or any rights under it and any 
attempt to make such an assignment will be null and void. You understand that Dealer and 
AFI are independent entities and not employees or agents of one another. This Agreement 
legally  binds 
representatives,  executors, 
their 
administrators, successors and assigns.   

the  parties  and 

respective  heirs, 

18.  SEVERABILITY:    If  any  provision  of  this  Agreement  is  deemed  void  or  unenforceable 
under any law, rule, or regulation, all other provisions remain in effect and enforceable. 

19. NON-WAIVER:  We do not lose any of our rights under this Agreement if we delay taking 
action for any reasons. 

20.  REPRESENTATION:    You  swear  that  all  the  information  you  supplied  on  your  credit 
application  and  all  the  information  on  each  revolving  credit  sales  slip  is  and  will  be  true, 
correct, and accurate. Any false, incorrect, or misleading information you knowingly supply is 
a deliberate misrepresentation.  

21.  STATE LAW RESIDENT NOTICES: 
CALIFORNIA STATE NOTICE: Applicants may 1) use the credit account 
up to its credit limit after credit approval; 2) be liable for amounts extended 
under the plan to any joint applicant. A negative credit report reflecting on 
your credit record may be submitted to a credit reporting agency if you fail 
to fulfill the terms of your credit obligations. 
COLORADO RESIDENTS: Warning: The terms of this revolving charge account may be 
changed, whether or not authorized by agreement, in accordance with the Colorado UCCC 
and other applicable law. 
DELAWARE: Service charges not in excess of those permitted by law will be charged on the 
outstanding balances from month to month. 
ILLINOIS: No applicant may be denied a credit card on account of race, color, religion, 
national origin, ancestry, age (between 40 and 70), sex, marital status, physical or mental 
handicap unrelated to the ability to pay or unfavorable discharge from military service. The 
applicant may request the reason for rejection of his or her application for a credit card. No 
person need reapply for a credit card solely because of a change in marital status unless the 
change in marital status has caused deterioration in the person’s financial position. A person 
may hold a credit card in any name permitted by law that he or she regularly uses and is 
generally known by, so long as no fraud is intended thereby. 
MAINE: We may request a consumer report in connection with your application for credit. 
You may ask whether a consumer report was obtained by us and we will tell you the name 
and address of the consumer reporting agency, if a report was obtained. Charges incurred 
by use of your card are due and payable on receipt of your monthly statement. 
MARYLAND: Finance charges will be made in amounts or at rates not in excess of those 
permitted by law. You may pay the entire balance at any time without incurring additional 
charges for prepayment.  
VERMONT: We may obtain your credit reports at any time, for any legitimate purpose 
associated with the account or the application or request for an account, including but not 
limited to reviewing, modifying, renewing and collecting on your account. On your request we 
will inform you if such a report was ordered. If so, we will give you the name and address of 
the consumer reporting agency furnishing the report.  
OHIO: Ohio anti-discrimination laws require creditors to make credit equally available to all 
creditworthy customers and that credit reporting agencies maintain separate credit histories 
on individuals upon request. The Ohio Civil Rights Commission administers these laws. 
TEXAS: To contact Aqua Finance, Inc. about this account call 715-848-5425.  This contract 
is subject in whole or in part to Texas law which is enforced by the Consumer Credit 
Commissioner, 2601 N. Lamar Blvd., Austin, Texas 78705. Phone 512-936-7600. Contact 
the commissioner relative to any inquiries or complaints.  

22.  SECURITY AGREEMENT: You grant us a purchase money security interest under the 
Uniform Commercial Code in each household good purchased on account to the full extent 
permitted by law.  To the extent allowed by law, you will pay all official fees and taxes, and 
on request, take any reasonable action requested by us to preserve the collateral or to 
establish, determine priority of, perfect, continue perfected, terminate or enforce our interest 
in it or rights under this agreement. If you do not make payments as agreed, this security 
interest allows us to take actions in accordance with state laws governing the enforcement of 
security interests in collateral. You further agree to keep the goods installed at the address 
on the credit application and to not remove or materially alter them without our written 
consent. You may lose the goods you purchased if you do not meet your obligations under 
this agreement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
23. NOTICE: 

ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS 
SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE 
DEBTOR COULD ASSERT AGAINST THE SELLER OF 
GOODS OR SERVICES OBTAINED PURSUANT TO THIS 
AGREEMENT OR WITH THE PROCEEDS FROM IT.  
DEBTOR’S RECOVERY UNDER THIS AGREEMENT MAY NOT 
EXCEED THE AMOUNT OF CREDIT OUTSTANDING.  

Arizona residents - You must give us notice of your claim or defense in writing by certified 
mail within 90 days of receiving any goods or you may waive the right to set-offs or defense 
against assignee if assignee provides you a notice of your rights and you fail to exercise 
those rights pursuant to the terms of the notice.   Iowa residents - You must give assignee 
notice within 30 days of assignment to assert claims and defenses against assignee.   
Oklahoma & South Dakota residents - You waive the right to bring a claim or defense 
against assignee if assignee provides you a notice of your rights and you fail to exercise 
those rights pursuant to the terms of the notice.   Wisconsin residents - You waive the right 
to bring a claim or defense against assignee after 12 months if assignee provides you a 
notice of your rights to do so and you fail to exercise those rights pursuant to the terms of the 
notice of assignment.  This waiver is in accordance with section 422.407 (4) of the Wisconsin 
Consumer Act.   Wyoming residents - You waive the right to bring a claim or defense 
against assignee for 45 days after assignment if assignee provides you a notice of your 
rights and you fail to exercise those rights pursuant to the terms of the notice. 
24.  CUSTOMER SERVICE:  Direct all inquiries concerning your account to:  

Aqua Finance, Inc. 
P.O. Box 844 
Wausau, WI 54402-0844 

or call Customer Service at telephone number 800-234-3663. 
25:  BILLING RIGHTS NOTICE:   

Your Billing Rights: Keep this Document for Future Use 

This notice tells you about your rights and our responsibilities under 
the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement   

If you think there is an error on your statement write us at:   

     Aqua Finance, Inc.   
     ATTN: Customer Billing 
     One Corporate Drive, Suite 300  
     Wausau, WI 54401 

 In your letter, give us the following information: 

•  Account Information: Your name and account number. 
•  Dollar Amount: The dollar amount of the suspected error. 
•  Description of Problem: If you think there is an error on your bill, 

describe what you believe is wrong and why you believe it is a 
mistake. 

You must contact us:  

•  within 60 days after the error appeared on your statement.   
•  At least 3 business days before an automated payment is 

scheduled if you want to stop payment on the amount you think 
is wrong. 

You must notify us of any potential errors in writing. You may call us, but if 
you do we are not required to investigate any potential errors and you may 
have to pay the amount in question.  

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things:  

1. Within 30 days of receiving your letter, we must tell you that we 
received your letter. We will also tell you if we have already corrected the 
error. 
2.  Within 90 days of receiving your letter, we must either correct the error 
or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as 

delinquent on that amount.   
The charge in question may remain on your statement, and we 

• 

may continue to charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are 

responsible for the remainder of your balance. 

•  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

• 

• 

If we made a mistake:  You will not have to pay the amount in 
question or any interest or other fees related to that amount. 
If we did not believe there was a mistake: You will have to pay 
the amount in question along with applicable interest and fees. 
We will send you a statement of the amount you owe and the 
date payment is due.  We may then report you as delinquent if 
you do not pay the amount we think you owe.   

If you receive our explanation but still believe your bill is wrong, you may 
write to us within 10 days telling us that you still refuse to pay. If you do 
so, we cannot report you as delinquent without also reporting that you are 
questioning your bill.  We must tell you the name of anyone to whom we 
reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us.  
If we do not follow the rules above, we cannot collect the first $50 of the 
amount you questioned amount, even if your bill was correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased 
with your credit card, and you have tried in good faith to correct the 
problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase.  To use this right, all of the 
following must be true: 

1.  The purchase must have been in your home state or within 100 miles 
of your current mailing address, and the purchase price must have been 
more than $50.  (Note:  Neither of these are necessary if your purchase 
was based on an advertisement we mailed to you, or if we own the 
company that sold you the goods or services). 
2.  You must have used your credit card for the purchase.  Purchases 
made with cash advances from an ATM or with a check that accesses 
your credit card account do not qualify. 
3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at: 

Aqua Finance, Inc.   
ATTN: Customer Billing 
One Corporate Drive, Suite 300  
Wausau, WI 54401 

While we investigate, the same rules apply to the disputed amount as 
discussed above.  After we finish our investigation, we will tell you our 
decision.  At that point, if we think you owe an amount and you do not pay, 
we may report you as delinquent. 
Note to all Buyers: Finance Charges will be made in amounts or at 
rates not in excess of those permitted by law.  You have the right to 
pay in advance the full amount due. 
NOTICE TO BUYER: 1) DO NOT SIGN ANY PART OF 
YOUR REVOLVING CREDIT AGREEMENT BEFORE YOU 
READ IT OR IF IT CONTAINS ANY BLANK SPACES. 2) 
YOU ARE ENTITLED TO A COMPLETELY FILLED IN 
COPY OF ANY AGREEMENT WHEN YOU SIGN IT. 3) A 
FINANCE CHARGE WILL BE COMPUTED ON THE 
OUTSTANDING BALANCE EACH BILLING PERIOD IN 
ACCORDANCE WITH THE RATES ABOVE. 4) YOU MAY 
PAY YOUR TOTAL UNPAID BALANCE AT ANY TIME. 
Dealer Name: ___________________________________________  

Address: _______________________________________________ 

_______________________________________________________ 
AFI-500-RCA   8/1/11