REVOLVING CREDIT – home improvement
Each applicant may apply for individual or joint credit regardless of marital status.
This application is for:
□ Individual Credit – complete applicant information.
□ Joint Credit with Spouse as Joint Applicant – complete applicant 

and co-applicant information.

□ Joint Credit with Non-Spouse as Joint Applicant – complete 

applicant and co- applicant information.

We intend to apply for joint credit:
___________________________   ___________________________
Applicant Sign Here  

  Co-Applicant Sign Here

CO-APPLICANT INFORMATION   (For Joint Applications Only)

Check if you are NOT a US Citizen             □
Social Security Number                               Date of Birth                        No. of Dependents           

First Name                                      Middle                                   Last Name

Residence Address (No PO Box allowed)                                       Time at Residence

                                                                                                              Yrs.             Mos.
City                                                              State                                        Zip

DEALER USE ONLY

Home Phone Number                                                    Cell Phone Number

Applicant’s identification was verified via viewing an unexpired driver’s license unless one of 
the following is checked:

                /                /                                                                  /                / 
E-mail Address

Unexpired:   ___ State Issued ID Card     ___ Passport     ___Social Security Card

Co-Applicant’s identification was verified via viewing an unexpired driver’s license unless one 
of the following is checked:

Unexpired:   ___ State Issued ID Card    ___ Passport     ___Social Security Card

Verified By:  ________________________________________________

Dealer# ________________________________________________

Initial Sale $________________Down Payment $________________

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)

Check if you are NOT a US Citizen             □
Social Security Number                               Date of Birth                        No. of Dependents           

First Name                                      Middle                                   Last Name

Residence Address (No PO Box allowed)                                       Time at Residence

                                                                                                              Yrs.             Mos.
City                                                              State                                        Zip

Home Phone Number                                                    Cell Phone Number

                /                /                                                                  /                / 
E-mail Address

□ Own                              Monthly Mortgage Payment                        Home Value                                      
□ Rent                               $                                                             $                                                        
Present Employer                                                          Work Phone Number

                                                                                                    /                / 
Occupation                                              Gross Monthly Salary     Length of Employment

                                                               $                                             Yrs.             Mos.
Alimony, child support or separate maintenance income need not be revealed if you do not 
wish to have it considered as a basis for repaying this obligation.
Other Income                      Source                                               Monthly Amount

$                                                                                                  $

PERSONAL REFERENCE   (Not Living With You)

Name

Relationship                                                                  Phone Number

                                                                                                    /                / 

Present Employer                                                          Work Phone Number

                                                                                                    /                / 
Occupation                                              Gross Monthly Salary     Length of Employment

                                                               $                                             Yrs.             Mos.
Alimony, child support or separate maintenance income need not be revealed if you do not 
wish to have it considered as a basis for repaying this obligation.
Other Income                      Source                                               Monthly Amount

$                                                                                                  $

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. 
SOCIAL  SECURITY  NUMBER/TAXPAYER  IDENTIFICATION  NUMBER:    Under  penalties  of 
perjury,  I  certify  that:  1)The  number  shown  on  Page  1  of  this  Credit  Application  is  my  correct 
taxpayer identification number (or I am waiting for a number to  be issued to me),  2) I am not subject 
to backup withholding because: (a) I am exempt from backup withholding; or (b) I have not been 
notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of 
a failure to report all interest or dividends; or (c) the IRS has notified me that I am no longer subject 
to backup withholding; and 3) I am a U.S. person (including a U.S. resident alien). Certification 
Instructions: Cross out item 2 above if you have been notified by the IRS that you are currently 
subject to backup withholding because you have failed to report all interest and dividends on your 
tax return.  Cross out item 3 and complete a W-8 BEN if you qualify and are not a U. S. Person.
The  Internal  Revenue  Service  does  not  require  your  consent  to  any  provision  of  this 
document other than the certification required to avoid backup withholding.
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.
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 

Applicant Driver’s Lic. No. 

           State Issued 

Joint Applicant Signature 

Joint Applicant Driver’s Lic. No. 

           State Issued 

  Date           

   /           /

  Expiration Date

          /           /

  Date

              /           /

  Expiration 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  affects  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. 

ASSIGNMENT:  Should Aqua Finance, Inc. (“AFI”) acquire your account as a result 
of your credit application, AFI may further assign your credit transaction to a credit 
union which may require you to be a member.  In that event, and by signing this 
application, you agree to the terms of membership as set forth below: 

I apply for membership in and agree to the terms and conditions as provided, and I 
agree to conform to the bylaws and any amendments of any credit union which 
accepts assignment of my credit transaction.  I authorize the credit union to check 
my account, credit, and employment history, and to obtain a credit report now or in 
the future.  I understand that this will assist the credit union, for example, in 
determining my initial and ongoing eligibility for my/our Account and/or in connection 
with making future credit opportunities available to me.  This is not a marital 
account.  If the initial share is deposited by the credit union, it will be revoked if no 
additional deposits or loans are added to my membership within one year of 
membership date.  It is agreed that if more than one person signs this application, 
this account is jointly held by the parties named hereon.  Upon the death of any of 
them, ownership or all funds in this account are passed to the survivor. 

AUTHORIZATION AGREEMENT FOR DIRECT PAYMENTS 

□ I hereby authorize the initiation of a periodic deduction from my account at the 
financial institution named below through the ACH system and authorize said 
institution to debit my account for the amount and at the frequency set forth below.  I 
acknowledge that this request does not violate the provisions of United States law as 
it applies to ACH transactions.  I understand I have a right to stop this automatic 
payment by notifying either the institution named below or AFI, in writing, at least 
three (3) business days prior to the day my account is scheduled to be charged and 
that there may be a fee for that service.  Further I agree that AFI will require written 
confirmation of an oral stop-payment order within fourteen (14) days.  This will be a 
permanent stop payment on this preauthorized payment.  I may, however, establish a 
new preauthorized payment from the same financial institution or company in the 
future.  I also authorize adjustment entries in the event of erroneous transactions on 
my account.  I agree to hold AFI harmless for any expenses, including fees, incurred 
as a result of its inability to process a scheduled preauthorized withdrawal due to:  my 
having supplied incorrect information, its having acted on a stop payment order, or 
there being insufficient funds in the account I have indicated. 

Monthly Payment_________________________ 
Day of Month for Withdrawal ___ Month First Payment is to be Drawn __________ 
Bank Name __________________________________________ 
Bank Address_________________________________________ 
                      _________________________________________ 
IMPORTANT: PLEASE ATTACH A VOIDED CHECK WITH CORRECT ENCODING 
INFORMATION 
Bank Routing Number ________________________________ 
Depositor Account Number ____________________________ 
Type of Account: □ Checking □ Savings 

X_________________________________    X _____________________________ 
Signature of Depositor                                        (if joint account, both must sign) 
□ I would like to receive my monthly account statements by email and have access to  
pay my bill online. 

AFI-550-RCA   9/1/13 home improvement   164729
AFI-550-RCA 9/1/13 home improvement   165729 

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”) and to AFI’s further assigns.   

Interest Rates and Interest Charges 

Annual 

Percentage Rate 

(APR) for 

Purchases  

Penalty APR  

and  

When it Applies** 

Paying Interest  

Charge 

For Credit Card 

Tips from the 

Consumer 

Financial 

Protection Bureau  

Fees  

Penalty  Fees 

•Late Payment  

•Returned Payment  

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. 

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. 

 Fees Vary By State 

Up to $35 See Paragraph 11 of Agreement 

Up to $30 See Paragraph 12 of Agreement 

Minimum Interest 

If you are charged interest, the 

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. 

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 

14.76%  Pennsylvania  17.00% 

Arkansas 

17.99%  All other states  

**  The  penalty  APR  rate  does  not  apply  in  the  following  states:  Arkansas, 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
         
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
         
 
 
 
 
 
 
 
 
 
 
 
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”) and to AFI’s further assigns.   

Interest Rates and Interest Charges 
Annual 
Percentage Rate 
(APR) for 
Purchases  
Penalty APR  
and  
When it Applies** 

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. 

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

Paying Interest  

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. 

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 
14.76%  Pennsylvania  17.00% 
Arkansas 
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, 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  be  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  with  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%  (corresponding  to  an annual percentage  rate of  14.4%), 
.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 INTEREST 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 CHARGE of no less than $0.50 is added to your account in any billing 
cycle  your  account  is  subject  to  an  INTEREST  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 your 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, 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. 

$35 maximum* 

5% of payment due 

5% of payment due;  

$5 
$10 
$15 
$25 

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

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

(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 
*($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.  
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, RI, TX, WI  
AL, AK, GA, HI, KS, MT, SC, SD, TN, VA 
ND, OR, 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. 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 

$10 
$15 
$20 
$25 
$30* 
$35* 

 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 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.  
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 the parties and 
their  respective  heirs,  representatives,  executors,  administrators,  successors  and 
assigns.   
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.    NONWAIVER:    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. 

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 
NOTICE TO BUYER: 1) DO NOT SIGN ANY PART OF YOUR REVOLVING 
YOUR REVOLVING CREDIT AGREEMENT BEFORE 
CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK 
YOU READ IT OR IF IT CONTAINS ANY BLANK 
SPACES. 2) YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF 
SPACES. 2) YOU ARE ENTITLED TO A 
ANY AGREEMENT WHEN YOU SIGN IT. 3) A FINANCE CHARGE WILL BE 
COMPLETELY FILLED IN COPY OF ANY 
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-550-RCA   9/1/13 home improvement   164729

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
      
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
  
 
 
 
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 

  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 

amount. 

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 

Home Improvement
Agreement

Revised 9/1/13