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. 
DFS-550-RCA 4/3/12 home improvement 

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            Issue Date            Expiration Date 
          -        - 
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            Issue Date            Expiration Date 
          -        - 
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 Dealer Financial Services – a division of Aqua 
Finance, Inc. (AFI)   
Interest Rates and Interest Charges 
Annual 
Percentage Rate 
(APR) for 
Purchases  
Penalty APR  
and  
When it Applies** 

Paying Interest  

12.00% - 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. 
Interest 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  
Consumer Financial Protection 
Bureau’s website at 
http://www.consumerfinance.gov/learnmore. 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau  
Fees  
Penalty  Fees 
•Late Payment  
•Returned Payment  
How We Will Calculate Your Balance: We use a method called the “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. 

 Fees Vary By State 
Up to $35 See Paragraph 11 of Agreement 
Up to $30 See Paragraph 12 of 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 

12.00%  Connecticut  14.40%  Michigan 
Arkansas 
14.76%  Pennsylvania  17.00% 
17.99%  All other states  

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

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, 
INTEREST  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,  INTEREST  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. INTEREST CHARGE:  INTEREST CHARGES begin the date a purchase is posted to 
your account and accrue as long as your account has a balance, except in states that 
have a mandatory grace period.  The INTEREST CHARGE is computed by applying a 
daily periodic rate of .03288% (corresponding to an annual percentage rate of 12.00%), 
.03945% 
.04044% 
(corresponding to an annual percentage rate of 14.76%), .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  purchases 
and  subtracting  any  unpaid  interest  or  other  finance  charges  and  any  payments  and 
credits.    The  INTEREST  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  INTEREST 
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 INTEREST  

to  an  annual  percentage 

rate  of  14.4%), 

(corresponding 

 
 
 
 
 
 
 
 
 
 
 
   
 
CHARGE  of  no  less  than  $0.50  is  added  to  your  account  in  any  billing  cycle  that  your 
account is subject to an INTEREST CHARGE, except in states where prohibited by law. 
The grace period is 25 days in Louisiana, Maine, Mississippi, North Carolina, and Virginia 
and 30 days in Nebraska and 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 
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; 

5% of payment due;  

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

$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.  No NSF fee will be charged if your state of 
residence  is  Delaware,  Maryland,  Nebraska,  or  Wyoming.    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.  

$10 
$15 
$20 
$25 
$30* 

MA, ME, AZ (greater of $10 or bank fee) 
CA, MS, MO 
CT, D.C., ID, IA, MN, 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.) 
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. In Iowa you will receive a 60 day notice 
before  a  penalty  APR  is  put  into  effect.    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 will use all 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  INTEREST  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 and you must immediately pay 
everything you owe us, including any amounts not yet billed to you.  
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 this Agreement and any attempt to make such an assignment will be 
null and void. You understand that the Dealer and AFI are independent entities and not 
employees or agents of one another. This Agreement legally binds the parties and their 
respective heirs, representatives, executors, administrators, successors and assigns.   
18.  SEVERABILITY  &  NONWAIVER:    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.  We  do  not  lose  any  of  our  rights  under  this  Agreement  if  we 
delay taking action for any reasons. 
19. 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:  
    Dealer Financial Services, a division of 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 Notice 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: 

• 

• 

:  You will not have to pay the amount 

If we made a mistake
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: _______________________________________________ 

_______________________________________________________ 
DFS-550-RCA 4/3/12 home improvement