REVOLVING CREDIT
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  
DEALER USE ONLY
Applicant’s identiﬁ cation was veriﬁ ed via viewing an unexpired driver’s license unless one of the following 
is checked: Unexpired: ___ State Issued ID Card ___ Passport  ___ Social Security Card
Co-Applicant’s identiﬁ cation was veriﬁ ed via viewing an unexpired driver’s license unless one of the following 
is checked: Unexpired:   ___ State Issued ID Card    ___ Passport     ___Social Security Card

                   Co-Applicant Sign Here

Veriﬁ ed 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)
No. of Dependents

Check if you are NOT a US Citizen               
Social Security Number                Date of Birth            E-Mail Address           

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 identiﬁ cation 
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 notiﬁ ed 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 notiﬁ ed me that I am no longer subject to backup withholding; and 3) I am a 
U.S. person (including a U.S. resident alien). Certiﬁ cation Instructions: Cross out item 2 above if you have 
been notiﬁ ed 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 certiﬁ cation 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.  If 
you are a participant in speciﬁ ed Promotion Plans, your Minimum Monthly Payment will be between 
1%  (for  ﬁ rst  12  months)  and  2%  (thereafter)  of  the  “Highest  Monthly  Charge”  balance  or  $15, 
whichever is greater.  A ﬁ nance 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.

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First Name                                          Middle                           Last Name

Residence Address (No PO Box allowed)                                           Time at Residence

                                                                                                                        /           /
Applicant Signature                                                                             Date

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Applicant Drivers Lic. No.                              State                                 Expiration Date

                                                                                                                       Yrs.              Mos.
City                                                                    State                                           Zip

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Joint Applicant Signature                                                                    Date

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 Own                              Monthly Mortgage Payment                   Home Value                                      

 Rent                               $                                                         $                                                        

Home Phone Number                   Cell Phone Number                      Work Phone Number

                /                 /                               /              /                                        /              /
Present Employer               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
                                                                                                              /                  /

CO-APPLICANT INFORMATION   (For Joint Applications Only)

Check if you are NOT a US Citizen               

No. of Dependents

Social Security Number                Date of Birth            E-Mail Address

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                      Work Phone Number

                /                 /                               /              /                                        /              /
Present Employer               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.
AFI-500-RCA 1-1-2016   230694_2

                                                                                                                        /           /
Joint Applicant Drivers Lic. No.                     State                                   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 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.
ASSIGNMENT: Should Aqua Finance, Inc. (“AFI”) acquire your account as a result of your credit application, 
AFI may further assign your credit transaction.  If your transaction is assigned to Connexus Credit Union 
(“Connexus”) you will be required to become a member.  Membership will be granted through joining the 
nonproﬁ t Connexus Association (“Association”), a 501(c)(3) entity established to conduct charitable giving 
throughout the United States.  In that event, and by signing this application, you agree to join Connexus and 
the Association, and the terms of membership in each organization.

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AUTHORIZATION AGREEMENT FOR DIRECT PAYMENTS
By  signing  below,  I  hereby  authorize  the  initiation  of  a  periodic  deduction  from  my  account  at  the 
ﬁ nancial 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 conﬁ rmation 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 ﬁ nancial 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 insufﬁ cient funds in the account I have indicated.

Monthly Payment_____________________

Day of Month for Withdrawal _____________ Month First Payment is to be Drawn ______________ 

Bank Name ______________________________________________________________________

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Bank Address____________________________________________________________________
If not ﬁ lled in, you are authorized to deduct the payment amount set forth in my Revolving Credit Sales Slip for the account listed on my voided check.
IMPORTANT: PLEASE ATTACH A VOIDED CHECK WITH CORRECT ENCODING INFORMATION                                   
Type of Account:  

 Checking  

 Savings

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Bank Routing Number _____________________ Depositor Account Number _______________
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.

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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. 

***Not  all  offers  will  contain  introductory  rates.  If  not  otherwise 

speciﬁ ed on Revolving Credit Sales Slip or Promo Addendum, then 

your APR is the maximum non-introductory state APR in table, below.

Interest Rates and Interest Charges

Annual Percentage

Rate (APR)

for Purchases 

Penalty APR 

and When it Applies**

Paying Interest 

Minimum Interest Charge

For Credit Card Tips from 

the Consumer Financial 

Protection Bureau

Fees 

Penalty Fees

• Late Payment 

• Returned Payment 

Introductory rates between 0% and 

9.9%, ranging from 6 months to 12 

months.***  Non-introductory rates 

between 5.9% and 17.99%.  

All rates are based on the speciﬁ c 

promotion or your credit worthiness, and 

dealer participation. (Maximum APR 

Varies By State. See table below *)

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 indeﬁ nitely.

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.consumerﬁ nance.gov/learnmore.

Fees Vary By State

Up to $35 See Paragraph 11 of Agreement 

Up to $35 See Paragraph 12 of Agreement

*Maximum Non-Introductory State APR Rates

17%

17.99%

Arkansas

All other states

** The penalty APR rate does not apply in the following states: Arkansas, Colora-

do, Connecticut, Delaware, Florida, Illinois, Kansas, Louisiana, Maine, Maryland, 

Massachusetts, Michigan, Minnesota, Missouri, 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. 

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, Missouri, 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 ME, MA, ID or SD and 30 days 

in NC), 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, NC, OH, RI, SD, TN  

CO, IN, IA, MS, NV, NH, NY, ND, OR, VT, WA, WI

$5

$10

$15

$25

3. CREDIT LIMIT:  We set a credit limit on your account which we may modify at any time for any 

GA

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.

MN -$7.80 maximum

KY & WY ($10 minimum); 

AL, ID & MI ($15 minimum);

HI, NE, VA

UT

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 

OK ($5 minimum)

SC, TX, D.C.

or other nonconforming methods of payment may be rejected. We may accept partial or late payments 

AZ, CT, IL, LA, MD, ME, PA

5% of payment due;

$10 maximum

5% of payment due

5% of payment due;  $35 maximum*

5% of payment due;

$30 maximum*

     5% of payment due;  $20 maximum

5% of payment due;

$15 maximum

5% of payment due;

$5 maximum

10% of payment due;

$10 maximum

NM

MA

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 reﬂ ected 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 ﬁ rst 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 (or if you participate in speciﬁ ed Promotion Plans, Your Minimum Monthly 

Payments will be between 1% and 2% 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 indeﬁ nitely, unless you make the 

ﬁ rst 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 ﬁ nancial institution. If there are insufﬁ cient 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.

*($25 maximum-ﬁ rst 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 DE, MD, NE or WY.  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, NJ, NY, OH, PA, UT, VT

AR, CO, FL, IL, IN, KY, LA, MI, MN, NV, NH, NM, NC, OK,  RI, TX, WI 

AL, AK, GA, HI, KS, MT, SC, SD, TN

ND, OR, VA, WA

*($25 maximum-ﬁ rst occurrence in more than 6 months.)  

$10

$15

$20

$25

$30*

$35*

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 ﬁ nancial 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 notiﬁ ed 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 notiﬁ ed 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 notiﬁ cation. 

15.  CREDIT  INVESTIGATION:    You  agree  we  may  investigate  your  credit,  employment,  and 

ﬁ nancial  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 identiﬁ er 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  conﬁ rm 

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. 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  the  “Daily 

Balance  (including  new  purchases).”    See  your  account Agreement  for  more 

details.

Loss of Introductory APR: We may end your introductory APR and apply the 

Penalty APR if you make a late payment.

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 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to 

amounts less than $1.00.

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 notiﬁ ed at least 45 days 

prior  to  any  change  and  how  to  contact  us  regarding  any  change.

All terms are subject to change.

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 between 0% and .02712% 

(corresponding to an APR of 9.9%) for an Introductory APR, or between .01616% (corresponding to 

an APR of 5.9%) and .04929% (corresponding to an APR of 17.99%) for a Non-Introductory APR, 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 ﬁ nance 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 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
REVOLVING CREDIT

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.

this application is approved.

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 

We intend to apply for joint credit:

________________________________  _________________________________

Applicant Sign Here  

                   Co-Applicant Sign Here

DEALER USE ONLY

Applicant’s identiﬁ cation was veriﬁ ed via viewing an unexpired driver’s license unless one of the following 

is checked: Unexpired: ___ State Issued ID Card ___ Passport  ___ Social Security Card

Co-Applicant’s identiﬁ cation was veriﬁ ed via viewing an unexpired driver’s license unless one of the following 

is checked: Unexpired:   ___ State Issued ID Card    ___ Passport     ___Social Security Card

Veriﬁ ed 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               

No. of Dependents

Social Security Number                Date of Birth            E-Mail Address           

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 identiﬁ cation 

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 notiﬁ ed 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 notiﬁ ed me that I am no longer subject to backup withholding; and 3) I am a 

U.S. person (including a U.S. resident alien). Certiﬁ cation Instructions: Cross out item 2 above if you have 

been notiﬁ ed 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 certiﬁ cation 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.  If 

you are a participant in speciﬁ ed Promotion Plans, your Minimum Monthly Payment will be between 

1%  (for  ﬁ rst  12  months)  and  2%  (thereafter)  of  the  “Highest  Monthly  Charge”  balance  or  $15, 

whichever is greater.  A ﬁ nance 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.

First Name                                          Middle                           Last Name

                                                                                                                        /           /

Applicant Signature                                                                             Date

                                                                                                                        /           /

Residence Address (No PO Box allowed)                                           Time at Residence

Applicant Drivers Lic. No.                              State                                 Expiration Date

                                                                                                                       Yrs.              Mos.

                                                                                                                        /           /

City                                                                    State                                           Zip

Joint Applicant Signature                                                                    Date

                                                                                      $                                               Yrs.          Mos.

Applicant Signature:___________________________________________________

 Own                              Monthly Mortgage Payment                   Home Value                                      

 Rent                               $                                                         $                                                        

Home Phone Number                   Cell Phone Number                      Work Phone Number

                /                 /                               /              /                                        /              /

Present Employer               Occupation                       Gross Monthly Salary    Length of Employment

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

                                                                                                              /                  /

CO-APPLICANT INFORMATION   (For Joint Applications Only)

Check if you are NOT a US Citizen               

No. of Dependents

Social Security Number                Date of Birth            E-Mail Address

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                      Work Phone Number

                /                 /                               /              /                                        /              /

Present Employer               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 

                                                                                                                        /           /

Joint Applicant Drivers Lic. No.                     State                                   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 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. 

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.

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.  If your transaction is assigned to Connexus Credit Union 

(“Connexus”) you will be required to become a member.  Membership will be granted through joining the 

nonproﬁ t Connexus Association (“Association”), a 501(c)(3) entity established to conduct charitable giving 

throughout the United States.  In that event, and by signing this application, you agree to join Connexus and 

the Association, and the terms of membership in each organization.

AUTHORIZATION AGREEMENT FOR DIRECT PAYMENTS

By  signing  below,  I  hereby  authorize  the  initiation  of  a  periodic  deduction  from  my  account  at  the 

ﬁ nancial 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 conﬁ rmation 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 ﬁ nancial 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 insufﬁ cient 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____________________________________________________________________

If not ﬁ lled in, you are authorized to deduct the payment amount set forth in my Revolving Credit Sales Slip for the account listed on my voided check.

IMPORTANT: PLEASE ATTACH A VOIDED CHECK WITH CORRECT ENCODING INFORMATION                                   

Type of Account:  

 Checking  

 Savings

Bank Routing Number _____________________ Depositor Account Number _______________

X______________________________________  X ______________________________________

Signature of Depositor                                                (if joint account, both must sign)

terms of this Agreement before making any purchases on the account.

AFI-500-RCA 1-1-2016   230694_2

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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 

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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. 
***Not  all  offers  will  contain  introductory  rates.  If  not  otherwise 
speciﬁ ed on Revolving Credit Sales Slip or Promo Addendum, then 
your APR is the maximum non-introductory state APR in table, below.

Interest Rates and Interest Charges

Annual Percentage
Rate (APR)
for Purchases 

Penalty APR 
and When it Applies**

Paying Interest 

Minimum Interest Charge

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

Introductory rates between 0% and 
9.9%, ranging from 6 months to 12 
months.***  Non-introductory rates 
between 5.9% and 17.99%.  
All rates are based on the speciﬁ c 
promotion or your credit worthiness, and 
dealer participation. (Maximum APR 
Varies By State. See table below *)
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 indeﬁ nitely.

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.consumerﬁ nance.gov/learnmore.

Fees Vary By State
Up to $35 See Paragraph 11 of Agreement 
Up to $35 See Paragraph 12 of Agreement

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.
Loss of Introductory APR: We may end your introductory APR and apply the 
Penalty APR if you make a late payment.
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 notiﬁ ed at least 45 days 
prior  to  any  change  and  how  to  contact  us  regarding  any  change.
All terms are subject to change.

AFI-500-RCA 1-1-2016   230694_2

*Maximum Non-Introductory State APR Rates

Arkansas

17%
17.99%
** The penalty APR rate does not apply in the following states: Arkansas, Colora-
do, Connecticut, Delaware, Florida, Illinois, Kansas, Louisiana, Maine, Maryland, 
Massachusetts, Michigan, Minnesota, Missouri, Nebraska, North Carolina, 
Oklahoma, Pennsylvania, Rhode Island, South Carolina, Texas, and Wyoming.

All other states

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. 

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, Missouri, 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 ME, MA, ID or SD and 30 days 
in NC), 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, NC, OH, RI, SD, TN  

CO, IN, IA, MS, NV, NH, NY, ND, OR, VT, WA, WI

$5

$10

$15

$25

MN -$7.80 maximum

KY & WY ($10 minimum); 

AL, ID & MI ($15 minimum);

HI, NE, VA

UT

OK ($5 minimum)

SC, TX, D.C.

NM

MA

5% of payment due

5% of payment due;  $35 maximum*

5% of payment due;

$30 maximum*

     5% of payment due;  $20 maximum

5% of payment due;

$15 maximum

5% of payment due;

$5 maximum

10% of payment due;

$10 maximum

AZ, CT, IL, LA, MD, ME, PA

5% of payment due;

$10 maximum

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.

GA

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 reﬂ ected 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 ﬁ rst 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 (or if you participate in speciﬁ ed Promotion Plans, Your Minimum Monthly 
Payments will be between 1% and 2% 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 indeﬁ nitely, unless you make the 
ﬁ rst 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 ﬁ nancial institution. If there are insufﬁ cient 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 between 0% and .02712% 
(corresponding to an APR of 9.9%) for an Introductory APR, or between .01616% (corresponding to 
an APR of 5.9%) and .04929% (corresponding to an APR of 17.99%) for a Non-Introductory APR, 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 ﬁ nance 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 

*($25 maximum-ﬁ rst 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 DE, MD, NE or WY.  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, NJ, NY, OH, PA, UT, VT

AR, CO, FL, IL, IN, KY, LA, MI, MN, NV, NH, NM, NC, OK,  RI, TX, WI 

AL, AK, GA, HI, KS, MT, SC, SD, TN

ND, OR, VA, WA

*($25 maximum-ﬁ rst occurrence in more than 6 months.)  

$10

$15

$20

$25

$30*

$35*

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 ﬁ nancial 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 notiﬁ ed 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 notiﬁ ed 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 notiﬁ cation. 

15.  CREDIT  INVESTIGATION:    You  agree  we  may  investigate  your  credit,  employment,  and 
ﬁ nancial  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 identiﬁ er 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  conﬁ rm 
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. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                                                      $                                               Yrs.          Mos.

Applicant Signature:___________________________________________________

Paying Interest 

REVOLVING CREDIT

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.

this application is approved.

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 

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We intend to apply for joint credit:

________________________________  _________________________________

Applicant Sign Here  

                   Co-Applicant Sign Here

DEALER USE ONLY

Applicant’s identiﬁ cation was veriﬁ ed via viewing an unexpired driver’s license unless one of the following 

is checked: Unexpired: ___ State Issued ID Card ___ Passport  ___ Social Security Card

Co-Applicant’s identiﬁ cation was veriﬁ ed via viewing an unexpired driver’s license unless one of the following 

is checked: Unexpired:   ___ State Issued ID Card    ___ Passport     ___Social Security Card

Veriﬁ ed 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               

No. of Dependents

Social Security Number                Date of Birth            E-Mail Address           

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 identiﬁ cation 

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 notiﬁ ed 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 notiﬁ ed me that I am no longer subject to backup withholding; and 3) I am a 

U.S. person (including a U.S. resident alien). Certiﬁ cation Instructions: Cross out item 2 above if you have 

been notiﬁ ed 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 certiﬁ cation 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.  If 

you are a participant in speciﬁ ed Promotion Plans, your Minimum Monthly Payment will be between 

1%  (for  ﬁ rst  12  months)  and  2%  (thereafter)  of  the  “Highest  Monthly  Charge”  balance  or  $15, 

whichever is greater.  A ﬁ nance 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.

First Name                                          Middle                           Last Name

                                                                                                                        /           /

Applicant Signature                                                                             Date

                                                                                                                        /           /

Residence Address (No PO Box allowed)                                           Time at Residence

Applicant Drivers Lic. No.                              State                                 Expiration Date

                                                                                                                       Yrs.              Mos.

                                                                                                                        /           /

City                                                                    State                                           Zip

Joint Applicant Signature                                                                    Date

 Own                              Monthly Mortgage Payment                   Home Value                                      

 Rent                               $                                                         $                                                        

Home Phone Number                   Cell Phone Number                      Work Phone Number

                /                 /                               /              /                                        /              /

Present Employer               Occupation                       Gross Monthly Salary    Length of Employment

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

                                                                                                              /                  /

CO-APPLICANT INFORMATION   (For Joint Applications Only)

Check if you are NOT a US Citizen               

No. of Dependents

Social Security Number                Date of Birth            E-Mail Address

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                      Work Phone Number

                /                 /                               /              /                                        /              /

Present Employer               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 

                                                                                                                        /           /

Joint Applicant Drivers Lic. No.                     State                                   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 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. 

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 

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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.  If your transaction is assigned to Connexus Credit Union 

(“Connexus”) you will be required to become a member.  Membership will be granted through joining the 

nonproﬁ t Connexus Association (“Association”), a 501(c)(3) entity established to conduct charitable giving 

throughout the United States.  In that event, and by signing this application, you agree to join Connexus and 

the Association, and the terms of membership in each organization.

AUTHORIZATION AGREEMENT FOR DIRECT PAYMENTS

By  signing  below,  I  hereby  authorize  the  initiation  of  a  periodic  deduction  from  my  account  at  the 

ﬁ nancial 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 conﬁ rmation 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 ﬁ nancial 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 insufﬁ cient funds in the account I have indicated.

Day of Month for Withdrawal _____________ Month First Payment is to be Drawn ______________ 

Bank Name ______________________________________________________________________

Bank Address____________________________________________________________________

If not ﬁ lled in, you are authorized to deduct the payment amount set forth in my Revolving Credit Sales Slip for the account listed on my voided check.

IMPORTANT: PLEASE ATTACH A VOIDED CHECK WITH CORRECT ENCODING INFORMATION                                   

Type of Account:  

 Checking  

 Savings

Bank Routing Number _____________________ Depositor Account Number _______________

X______________________________________  X ______________________________________

Signature of Depositor                                                (if joint account, both must sign)

terms of this Agreement before making any purchases on the account.

AFI-500-RCA 1-1-2016   230694_2

 I would like to receive my monthly account statements by email and have access to pay my bill online.

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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. 

***Not  all  offers  will  contain  introductory  rates.  If  not  otherwise 

speciﬁ ed on Revolving Credit Sales Slip or Promo Addendum, then 

your APR is the maximum non-introductory state APR in table, below.

Interest Rates and Interest Charges

Annual Percentage

Rate (APR)

for Purchases 

Penalty APR 

and When it Applies**

Minimum Interest Charge

For Credit Card Tips from 

the Consumer Financial 

Protection Bureau

Fees 

Penalty Fees

• Late Payment 

• Returned Payment 

Introductory rates between 0% and 

9.9%, ranging from 6 months to 12 

months.***  Non-introductory rates 

between 5.9% and 17.99%.  

All rates are based on the speciﬁ c 

promotion or your credit worthiness, and 

dealer participation. (Maximum APR 

Varies By State. See table below *)

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 indeﬁ nitely.

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.consumerﬁ nance.gov/learnmore.

Fees Vary By State

Up to $35 See Paragraph 11 of Agreement 

Up to $35 See Paragraph 12 of Agreement

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  the  “Daily 

Balance  (including  new  purchases).”    See  your  account Agreement  for  more 

details.

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 notiﬁ ed at least 45 days 

prior  to  any  change  and  how  to  contact  us  regarding  any  change.

All terms are subject to change.

*Maximum Non-Introductory State APR Rates

17%

17.99%

Arkansas

All other states

** The penalty APR rate does not apply in the following states: Arkansas, Colora-
do, Connecticut, Delaware, Florida, Illinois, Kansas, Louisiana, Maine, Maryland, 

Massachusetts, Michigan, Minnesota, Missouri, 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 reﬂ ected 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 ﬁ rst 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 (or if you participate in speciﬁ ed Promotion Plans, Your Minimum Monthly 
Payments will be between 1% and 2% 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 indeﬁ nitely, unless you make the 
ﬁ rst 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 ﬁ nancial institution. If there are insufﬁ cient 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.

Monthly Payment_____________________

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to 

amounts less than $1.00.

Loss of Introductory APR: We may end your introductory APR and apply the 

Penalty APR if you make a late payment.

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 

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 between 0% and .02712% 
(corresponding to an APR of 9.9%) for an Introductory APR, or between .01616% (corresponding to 
an APR of 5.9%) and .04929% (corresponding to an APR of 17.99%) for a Non-Introductory APR, 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 ﬁ nance 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, Missouri, 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 ME, MA, ID or SD and 30 days 
in NC), 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, NC, OH, RI, SD, TN  

CO, IN, IA, MS, NV, NH, NY, ND, OR, VT, WA, WI

$5

$10

$15

$25

GA

MN -$7.80 maximum

KY & WY ($10 minimum); 
AL, ID & MI ($15 minimum);
HI, NE, VA

UT

OK ($5 minimum)

SC, TX, D.C.

5% of payment due

5% of payment due;  $35 maximum*

5% of payment due;

$30 maximum*

     5% of payment due;  $20 maximum

5% of payment due;

$15 maximum

AZ, CT, IL, LA, MD, ME, PA

5% of payment due;

$10 maximum

NM

MA

5% of payment due;

$5 maximum

10% of payment due;

$10 maximum

*($25 maximum-ﬁ rst 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 DE, MD, NE or WY.  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, NJ, NY, OH, PA, UT, VT

AR, CO, FL, IL, IN, KY, LA, MI, MN, NV, NH, NM, NC, OK,  RI, TX, WI 

AL, AK, GA, HI, KS, MT, SC, SD, TN

ND, OR, VA, WA

*($25 maximum-ﬁ rst occurrence in more than 6 months.)  

$10

$15

$20

$25

$30*

$35*

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 ﬁ nancial 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 notiﬁ ed 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 notiﬁ ed 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 notiﬁ cation. 

15.  CREDIT  INVESTIGATION:    You  agree  we  may  investigate  your  credit,  employment,  and 
ﬁ nancial  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 identiﬁ er 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  conﬁ rm 
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. 

If we do not follow the rules above, we cannot collect the ﬁ rst $50 of the amount 

you questioned amount, even if your bill was correct.

Your Rights If You Are Dissatisﬁ ed With Your Credit Card Purchases  If you are 

dissatisﬁ ed 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:

•  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).

•  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.

•  You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisﬁ ed 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  ﬁ nish  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: _________________________________________________________

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. 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 reﬂ ecting on your credit 
record may be submitted to a credit reporting agency if you fail to fulﬁ ll 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.
DISTRICT OF COLUMBIA: Seller certiﬁ es that the information contained in the contract complies 
with the District of Columbia Municipal Regulations, Title 16, Chapter 1.
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 ﬁ nancial 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. 
NEW HAMPSHIRE: Consumer or Consumer’s attorney may ﬁ le 
a complaint with the New Hampshire Commissioner of Banking.
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 ofﬁ cial 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:

Arizona residents - You must give us notice of your claim or defense in writing by certiﬁ ed mail within 
90 days of receiving any goods or you may waive the right to set-offs or defense against assignee 
if assignee provides you a notice of your rights and you fail to exercise those rights pursuant to the 
terms of the notice.   Iowa residents - You must give assignee notice within 30 days of assignment 
to assert claims and defenses against assignee.   Oklahoma & South Dakota residents - You waive 
the right to bring a claim or defense against assignee if assignee provides you a notice of your rights 
and you fail to exercise those rights pursuant to the terms of the notice.   Wisconsin residents - You 
waive the right to bring a claim or defense against assignee after 12 months if assignee provides you 
a notice of your rights to do so and you fail to exercise those rights pursuant to the terms of the notice 
of assignment.  This waiver is in accordance with section 422.407 (4) of the Wisconsin Consumer Act.   
Wyoming residents - You waive the right to bring a claim or defense against assignee for 45 days 
after assignment if assignee provides you a notice of your rights and you fail to exercise those rights 
pursuant to the terms of the notice.

24.  CUSTOMER SERVICE:  Direct all inquiries concerning your account to: 

Aqua Finance, Inc.
P.O. Box 844
Wausau, WI 54402-0844

or call Customer Service at telephone number 800-234-3663.

25:  BILLING RIGHTS NOTICE:  
Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement  

If you think there is an error on your statement write us at:  

Aqua Finance, Inc.  

ATTN: Customer Billing

One Corporate Drive, Suite 300 

Wausau, WI 54401

In your letter, give us the following information:

•  Account Information: Your name and account number.

•  Dollar Amount: The dollar amount of the suspected error.

•  Description of Problem: If you think there is an error on your bill,

describe what you believe is wrong and why you believe it is a mistake.

You must contact us: 

•  Within 60 days after the error appeared on your statement.  

•  At least 3 business days before an automated payment is scheduled if

you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do 
we are not required to investigate any potential errors and you may have to pay 
the amount in question. 

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things: 
1. Within 30 days of receiving your letter, we must tell you that we received your 
letter. We will also tell you if we have already corrected the error.
2.  Within  90  days  of  receiving  your  letter,  we  must  either  correct  the  error  or 
explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:

•  We cannot try to collect the amount in question, or report you as

delinquent on that amount.         

•  The charge in question may remain on your statement, and we may

continue to charge you interest on that amount.

•  While you do not have to pay the amount in question, you are 

responsible for the remainder of your balance.

•  We can apply any unpaid amount against your credit limit.

After we ﬁ nish 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.  

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. 

AFI-500-RCA 1-1-2016   230694_2

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. 

Revolving Credit

Agreement

AFI-500-RCA 1-1-2016   230694_2

Revised 1/1/16

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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. 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 reﬂ ecting on your credit 
record may be submitted to a credit reporting agency if you fail to fulﬁ ll 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.

DISTRICT OF COLUMBIA: Seller certiﬁ es that the information contained in the contract complies 

with the District of Columbia Municipal Regulations, Title 16, Chapter 1.

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 ﬁ nancial 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. 
NEW HAMPSHIRE: Consumer or Consumer’s attorney may ﬁ le 

a complaint with the New Hampshire Commissioner of Banking.

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 ofﬁ cial 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 certiﬁ ed mail within 
90 days of receiving any goods or you may waive the right to set-offs or defense against assignee 
if assignee provides you a notice of your rights and you fail to exercise those rights pursuant to the 
terms of the notice.   Iowa residents - You must give assignee notice within 30 days of assignment 
to assert claims and defenses against assignee.   Oklahoma & South Dakota residents - You waive 
the right to bring a claim or defense against assignee if assignee provides you a notice of your rights 
and you fail to exercise those rights pursuant to the terms of the notice.   Wisconsin residents - You 
waive the right to bring a claim or defense against assignee after 12 months if assignee provides you 
a notice of your rights to do so and you fail to exercise those rights pursuant to the terms of the notice 
of assignment.  This waiver is in accordance with section 422.407 (4) of the Wisconsin Consumer Act.   
Wyoming residents - You waive the right to bring a claim or defense against assignee for 45 days 
after assignment if assignee provides you a notice of your rights and you fail to exercise those rights 
pursuant to the terms of the notice.

24.  CUSTOMER SERVICE:  Direct all inquiries concerning your account to: 

Aqua Finance, Inc.
P.O. Box 844
Wausau, WI 54402-0844

or call Customer Service at telephone number 800-234-3663.

25:  BILLING RIGHTS NOTICE:  
Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement  

If you think there is an error on your statement write us at:  

Aqua Finance, Inc.  
ATTN: Customer Billing
One Corporate Drive, Suite 300 
Wausau, WI 54401

In your letter, give us the following information:

•  Account Information: Your name and account number.
•  Dollar Amount: The dollar amount of the suspected error.
•  Description of Problem: If you think there is an error on your bill,

describe what you believe is wrong and why you believe it is a mistake.

You must contact us: 

•  Within 60 days after the error appeared on your statement.  
•  At least 3 business days before an automated payment is scheduled if

you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do 
we are not required to investigate any potential errors and you may have to pay 
the amount in question. 

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things: 
1. Within 30 days of receiving your letter, we must tell you that we received your 
letter. We will also tell you if we have already corrected the error.
2.  Within  90  days  of  receiving  your  letter,  we  must  either  correct  the  error  or 
explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:

•  We cannot try to collect the amount in question, or report you as

delinquent on that amount.         

•  The charge in question may remain on your statement, and we may

continue to charge you interest on that amount.

•  While you do not have to pay the amount in question, you are 

responsible for the remainder of your balance.

•  We can apply any unpaid amount against your credit limit.
After we ﬁ nish 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 ﬁ rst $50 of the amount 
you questioned amount, even if your bill was correct.
Your Rights If You Are Dissatisﬁ ed With Your Credit Card Purchases  If you are 
dissatisﬁ ed 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:

•  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).

•  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.

•  You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisﬁ ed 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  ﬁ nish  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: _________________________________________________________

Revolving Credit

Agreement

AFI-500-RCA 1-1-2016   230694_2
AFI-500-RCA 1-1-2016   230694_2

Revised 1/1/16