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-520-RCA 4/3/12 multi APR 

Dealer# _________________________________________________ 

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 Aqua Finance, Inc. (AFI)   

Interest Rates and Interest Charges 
Annual 
Percentage Rate 
(APR) for 
Purchases  

Paying Interest  

Minimum Interest 
Charge 

17% - 21%   
(APR Varies By State.  See 
table below for applicable rate in 
your state*) 
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. 

For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 
Fees  
Fees Vary By State 
Penalty  Fees 
Up to $35 See Paragraph 11 of Agreement 
•Late Payment  
Up to $30 See Paragraph 12 of Agreement 
•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 

17%  Arkansas 
18%  Alabama, Connecticut, Florida, Louisiana, 

Massachusetts, Maine, Minnesota, Nebraska, North 
Carolina, Pennsylvania, Rhode Island & South Carolina 

21%   All other states not listed above 

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. 

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 .04658% (corresponding to an annual percentage rate of 17%), .04932% 
(corresponding  to  an  annual  percentage  rate  of  18%),  or  .05753%  (corresponding  to  an 
annual percentage rate of 21%) 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  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,  Maryland, 
Massachusetts,  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 

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.  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, 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  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.  

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:  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 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. 
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 your 
rights outlined in 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-520-RCA 4/3/12 multi APR