6401 South Bell Street
CREDIT LINE ACCOUNT AND
ACCESS
P. O. Box 7407
PERSONAL LOAN APPLICATION
COMMUNITY
Amarillo, Texas 79114
CREDIT UNION
Phone: 806.353.9999
ACCOUNT NUMBER - APPLICANT
ACCOUNT NUMBER - CO-APPLICANT
DATE
Helping You Build Financial Security
Fax: 806.353.2533
Applicant Information
PRINT OR TYPE ALL INFORMATION
Spouse/Co-Applicant Information
1. If You live in a community property state, are You:
5. Complete Spouse/Co-Applicant Information only if:
a. This is for joint credit with Your Spouse or other Co-Applicant;
Married
Separated
Unmarried (Includes Single, Divorced and Widowed)
b. Your Spouse will use Your Account;
2. Married applicants can apply for individual credit. Indicate if You would like:
C. You are relying on Your Spouse's income as a source of repayment for the credit requested; or
Individual Credit
Joint Credit with Your Spouse/Co-Applicant
d. You live in a community property state: Arizona, California, Idaho, Louisiana, Nevada,
New Mexico, Texas, Washington, Wisconsin (or Puerto Rico).
3. Method of Payment:
Payroll Deduction
Automatic Share Transfer
Cash Payment
6. Definitions:
Whenever used in this application, the words "You" and "Your" refer to the Applicant(s)
4. Frequency of Payment:
Weekly
Bi-Weekly
Semi-Monthly
Monthly
or Spouse/Co-Applicant and the words "We," "Us," and "Our" refer to the Lender.
Credit Applied For:
Type of credit
Amount Requested $
Refinanced Amount $
Total Request $
Purpose
Collateral Offered
Value: $
There are costs associated with the use of any Credit Card issued to You by Us. You may request specific information
about these costs by contacting Us by telephone at (806) 353-9999 (callers from outside the 806 area code may call
collect) or by writing Us at P.O. Box 7407, Amarillo, Texas 79114.
APPLICANT OR CO-SIGNER
SPOUSE/CO-APPLICANT
FIRST NAME
INITIAL
LAST NAME
FIRST NAME
INITIAL
LAST NAME
SOCIAL SECURITY NUMBER
BIRTHDATE
SOCIAL SECURITY NUMBER
BIRTHDATE
CURRENT STREET ADDRESS
APT. NO.
YEARS THERE
CURRENT STREET ADDRESS
APT. NO.
YEARS THERE
CITY
STATE
ZIP
CITY
STATE
ZIP
MOTHER'S MAIDEN NAME
EMAIL ADDRESS
MOTHER'S MAIDEN NAME
EMAIL ADDRESS
FORMER ADDRESS (COMPLETE IF PREVIOUS ADDRESS IS LESS THAN 3 YEARS)
YEARS THERE
FORMER ADDRESS (COMPLETE IF PREVIOUS ADDRESS IS LESS THAN 3 YEARS)
YEARS THERE
DO YOU:
HOME TELEPHONE
NO. OF DEP.
AGES OF DEPENDENTS
DO YOU:
HOME TELEPHONE
NO. OF DEP.
AGES OF DEPENDENTS
OWN
RENT
PAY BOARD
OWN
RENT
PAY BOARD
NAME, ADDRESS AND TELEPHONE OF NEAREST REFERENCE NOT LIVING WITH YOU
NAME, ADDRESS AND TELEPHONE OF NEAREST REFERENCE NOT LIVING WITH YOU
EMPLOYMENT AND INCOME
If self-employed, attach financial statement or income tax returns.
CURRENT EMPLOYER (INCLUDE EMPLOYEE I.D. IF APPLICABLE)
EMPLOYMENT DATE
CURRENT EMPLOYER (INCLUDE EMPLOYEE I.D. IF APPLICABLE)
EMPLOYMENT DATE
ADDRESS/CITY/STATE/ZIP
ADDRESS/CITY/STATE/ZIP
WORK TELEPHONE
POSITION
MO. GROSS SALARY
WORK TELEPHONE
POSITION
MO. GROSS SALARY
FORMER EMPLOYER
POSITION
YEARS THERE
FORMER EMPLOYER
POSITION
YEARS THERE
OTHER INCOME
Alimony, child support, or separate maintenance income need not be revealed if You do not choose to have it considered. (Proof Required)
TYPE OF OTHER INCOME
MONTHLY AMOUNT
TYPE OF OTHER INCOME
MONTHLY AMOUNT
NAME AND ADDRESS OF PAYER
NAME AND ADDRESS OF PAYER
ASSETS AND DEPOSITS
Attach a separate sheet if necessary.
INTEREST
INTEREST
TYPE
BANK (OR OTHER) NAME & ADDRESS
ACCOUNT NO.
APPROX. BAL.
TYPE
RATE
BANK (OR OTHER) NAME & ADDRESS
ACCOUNT NO.
RATE
APPROX. BAL.
SEE ATTACHED
CAR 1 YR. MAKE MODEL
VALUE
CAR 1 YR. MAKE MODEL
VALUE
CAR 2 YR. MAKE MODEL
VALUE
CAR 2 YR. MAKE MODEL
VALUE
HOMEOWNERS: PLEASE INDICATE NAME(S) ON DEED
PURCHASE PRICE
APPROX. VALUE
HOMEOWNERS: PLEASE INDICATE NAME(S) ON DEED
PURCHASE PRICE
APPROX. VALUE
Copyright Oak Tree Business Systems, Inc., 2012-2014. All Rights Reserved.
Page 1 of 2
OTBS 015 ACCE (6/14)
CREDIT INFORMATION Please list all open accounts with or without a balance. Attach separate sheet if necessary.
A=Applicant
C=Spouse/Co-Applicant
D=Debts to be paid off if loan is granted.
PLEASE
ACCOUNT
INTEREST
ORIGINAL
MONTHLY
CHECK
LENDER (OR OTHER ) NAME & ADDRESS
NUMBER
RATE
AMOUNT
BALANCE
PAYMENT
LIST ALL OBLIGATIONS, INCLUDING CREDIT UNION LOANS
A
C
SEE ATTACHED
Please answer the following questions.
A
C
If a yes answer is given, explain on attached sheet.
TOTALS
YES
NO
YES
NO
A
C
1. Have You filed a petition for bankruptcy in the last 14 years?
Please Check: A=Applicant/Co-Signer C=Co-Applicant
YES
NO
YES NO
2. Have You ever had any auto, furniture or property repossessed?
6. Have You any Obligations not listed?
3. Are you a co-maker or co-signer on any loan?
7. Do You have any past due bills?
For Whom
Amount $
8. Is any income You have listed likely to reduce in the next two years?
4. Have you ever had credit in any other name?
9. Indicate immigration status:
What name
Applicant
U.S. Citizen
Permanent U.S. Resident
Other
5. Have You any suits pending, judgments filed, alimony or support
Co-Applicant
U.S. Citizen
Permanent U.S. Resident
Other
awards against You?
OPTIONAL CREDIT INSURANCE
Credit Life and/or Credit Disability Insurance are not required to obtain credit and, for Credit Line Accounts, will be included only if requested immediately
below by the APPLICANT. The insurance rates for Credit Line Accounts are shown below. For Credit Line Accounts, the insurance charge is calculated each
month by multiplying the outstanding balance of the Account on the last day of that month by the rate shown. For Closed-End loans, the total insurance
premium will be calculated and disclosed to You separately.
Monthly Premium Rates per $1000 of Outstanding Balance for Credit Line Accounts - You must CHECK ONE OR MORE of the boxes below.
CREDIT LIFE:
Single Coverage
$
057
Yes
No
Joint Coverage
$
.086
Yes
No
CREDIT DISABILITY (Primary Borrower Only): Single Coverage
$
.130
Yes
No
Closed-End Loan Applicants - You must CHECK ONE OR MORE of the boxes below.
You are interested in Credit Disability Insurance - single coverage
You are interested in Credit Life Insurance single coverage
joint coverage
You are not interested in Credit Insurance
NOTE: For Closed-End loans, an appropriate disclosure will be furnished if Your credit is approved. If this application is for a Credit Line Account and You are
applying for Credit Insurance, You authorize Us to add the required premiums to Your Account, charge a Finance Charge on the premiums at the rate
which
applies to Your Account, and forward such premiums to the Insurance Company.
SIGNATURE OF APPLICANT
SIGNATURE OF CO-APPLICANT
SIGNATURES
You warrant the truth of the above information and You realize that it will be relied upon by Us in deciding whether or not to grant the credit applied for. You hereby authorize Us, Our employees and agents to
investigate and verify any information provided to Us by You. If this application is for any Feature Category contained in Our Credit Line Account or Credit Card Account Program, You agree and understand
that if approved, You are contractually liable according to the applicable terms of the Credit Line Account Agreement and Disclosure and/or Credit Card Account Agreement and Federal Disclosure
Statement. You will receive a copy of such Agreement and Disclosure no later than the time of Your first credit advance and You promise to pay all amounts charged to Your Account according to its terms. If
this is a joint application, You agree that such liability is joint and several. You authorize Us to accept Your facsimile signatures on this application and agree that Your facsimile signature will have the same
legal force and effect as Your original signature. You assume any risk that may be associated with permitting Us to accept Your facsimile signature. If You are issued a Credit Card,
You
grant
and
consent to a lien on Your shares with Us (except IRA and Keogh accounts) and any dividends due or to become due to You from Us to the extent You owe on any unpaid Credit Card balance.
You hereby acknowledge Your intent to apply for joint credit
Applicant's Initials Co-Applicant's Initials
X
Signature of Applicant or Co-Signer
Date
Signature of Spouse/Co-Applicant
Date
LOAN OFFICER
OTHER APPROVING SIGNATURES
ADVANCE APPROVED
YES
NO
REFERRED TO CC
ADVANCE APPROVED
YES
NO
COUNTER OFFER WILL BE MADE. IF ACCEPTED, LOAN APPROVED
COUNTER OFFER WILL BE MADE. IF ACCEPTED, LOAN APPROVED
DESCRIBE COUNTER OFFER
SPECIFIC REASON(S) FOR REJECTION/APPROVAL
LOAN OFFICER SIGNATURE
DATE
CREDIT LIMIT $
ADDITIONAL INFORMATION
CREDIT MANAGER OR OTHER
DATE
ECOA NOTICE AND REASON FOR REJECTION OR UNACCEPTED COUNTER-OFFER SENT OR DELIVERED ON
(DATE) BY
Copyright Oak Tree Business Systems, Inc., 2012-2014. All Rights Reserved.
Page 2 of 2
OTBS 015 ACCE (6/14)
6401 South Bell Street
ACCESS
CREDIT CARD ACCOUNT AGREEMENT
P.O. Box 7407
COMMUNITY
Amarillo, Texas 79114
AND FEDERAL DISCLOSURE STATEMENT
CREDIT UNION
Phone: 806.353.9999
Fax: 806.353.2533
THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-
Helping You Build Financial Security
LENDING DISCLOSURE STATEMENTS, VISA CLASSIC, VISA GOLD, VISA SECURED, MASTERCARD REGULAR,
MASTERCARD GOLD, MASTERCARD PLATINUM AND MASTERCARD SECURED AGREEMENTS, AND ANY
SPECIAL INSTRUCTIONS REGARDING THE USE OF VISA CLASSIC, VISA GOLD, VISA SECURED, MASTERCARD
REGULAR, MASTERCARD GOLD, MASTERCARD PLATINUM AND MASTERCARD SECURED CREDIT CARDS,
AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT
CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
Interest Rate and Interest Charges
Annual Percentage Rate (APR)
VISA Classic:
12.4%
MasterCard Gold:
12.4%
For Purchases
VISA Gold:
12.4%
MasterCard Platinum: 7.49 OR 8.69%
VISA Secured:
12.4%
MasterCard Secured:
12.4%
MasterCard Regular:
12.4%
APR For Balance Transfers
VISA Classic:
12.4 %
MasterCard Gold:
12.4%
VISA Gold:
12.4%
MasterCard Platinum:
7.49 OR 8.69
%
VISA Secured:
12.4%
MasterCard Secured:
12.4%
MasterCard Regular:
12.4%
APR For Cash Advances
VISA Classic:
12.4
MasterCard Gold:
12.4%
VISA Gold:
12.4%
MasterCard Platinum: 7.49 OR
8.69
VISA Secured:
12.4%
MasterCard Secured:
12.4%
MasterCard Regular:
12.4%
Paying Interest
We will not charge You interest on purchases if You pay Your entire balance owed each
month within 25 days of the statement closing date. We will begin charging interest on
cash advances and balance transfers on the transaction date.
For Credit Card Tips from the
To learn more about factors to consider when applying for or using a Credit
Consumer Financial Protection
Card, visit the website of the Consumer Financial Protection Bureau at
Bureau
http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees
Foreign Transaction
1.00% of each foreign currency transaction in U.S. Dollars.
0.80% of each U.S. Dollar transaction that occurs in a foreign country.
Penalty Fees
Late Payment
Up to $25.00
Returned Payment
Up to $15.00
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your
Account Agreement for details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account
Agreement.
Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.
Page 1 of 4
OTBS 016CC ACCE (5/14)
DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean ACCESS COMMUNITY CREDIT UNION. The words "You" and "Your"
mean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Classic,
VISA Gold, VISA Secured, MasterCard Regular, MasterCard Gold, MasterCard Platinum or MasterCard Secured Credit Card issued to You by Us and any duplicates or
renewals. The word "Account" means the VISA Classic, VISA Gold, VISA Secured, MasterCard Regular, MasterCard Gold, MasterCard Platinum or MasterCard Secured
Credit Card Account established for You under this Agreement. "Convenience Check" means the special Account access devices that We may provide for Your use from
time to time. If this is a joint Account, read singular pronouns in the plural.
PROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. You may request advances on Your Account through a
variety of means which could include (but may not be limited to) telephonic requests, Convenience Checks, Credit Cards and the like. Regardless of the means by which
any advance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or
implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.
Daily
ANNUAL
Credit Card
Periodic Rate
PERCENTAGE RATE
VISA Classic
0.0003397%
12.4%
VISA Gold
0.0003397 %
12.4%
VISA Secured
0.0003397
12.4%
MasterCard Regular
0.0003397
12.4%
MasterCard Gold
0.0003397
12.4%
MasterCard Platinum
0.0002052 OR 0.0002380
7.49 OR 8.69%
MasterCard Secured
0.0003397
12.4%
USE OF YOUR CARD. You may use Your Card to buy goods and services in any
money of the United States. We may apply each payment to whichever Feature
place that it is honored and to get cash advances at participating financial
Category We wish. Except as required by law, We may apply payments at Our
institutions. You agree not to use Your Card for illegal transactions including, but
discretion. Any unpaid portion of the Finance Charge will be paid by subsequent
not limited to, advances made for the purpose of gambling and/or wagering where
payments and will not be added to Your principal balance. You understand that
such practices are in violation of applicable state and/or federal law.
any delay in the repayment of Your unpaid balance will increase Your periodic
Finance Charges and any acceleration in the repayment of Your unpaid balance
SECURITY. Collateral (other than household goods or any dwelling) given as
will decrease Your periodic Finance Charges.
security under any other loan You may have with Us will secure all amounts You
owe Us now and in the future if that status is reflected in the "Truth-in-Lending
Minimum Payments will be an amount equal to 3.00% of Your new unpaid
Disclosure" in any particular Agreement evidencing such debt.
Account balance at the end of each billing cycle, subject to the lesser of $25.00 or
Your balance, plus any portion of the Minimum Payments shown on prior
CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your
statement(s) which remains unpaid, plus any amount that exceeds Your approved
shares with Us (except for IRA and Keogh accounts) and any dividends
Credit Limit.
due or to become due to You from Us to the extent You owe on any unpaid
Credit Card balance.
You may, by separate agreement, authorize Us to charge Your payment directly to
Your share or share draft account.
ACCOUNT RESTRICTIONS. In order to receive and maintain a VISA Secured or
MasterCard Secured Credit Card, You agree to give Us a specific pledge of shares
FINANCE CHARGES. In the case of any transactions under Your Account, the
which will be equal to the sum total of Your Credit Limit, plus the greater of: (a)
balances subject to the periodic Finance Charge are the average daily
$100.00; or (b) 10% of such Credit Limit. In the event that You default on Your
transactions balances outstanding during the month (including new transactions).
Account, We may apply these shares toward the repayment of any amount owed on
To get the average daily balance, We take the beginning balance of Your Account
Your VISA Secured or MasterCard Secured Credit Card. You may cancel Your VISA
each day, add any new purchases, balance transfers, cash advances, insurance
Secured or MasterCard Secured Credit Card at any time by paying any amounts
premiums, debit adjustments or other charges and subtract any payments, credits
owed on such Account. To be certain that Your entire balance and all advances are
and unpaid Finance Charges. This gives Us the daily balance. Then, We add up
paid, any shares pledged may not be available to You for 30 days after You have
all the daily balances for the billing cycle and divide them by the number of days in
cancelled and any outstanding balance is paid in full.
the billing cycle. The Finance Charge for a billing cycle is computed by multiplying
the average daily balance subject to a Finance Charge by the Daily Periodic Rate
LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for
times the number of days in the billing cycle.
which You are approved. Unless You are in default, the Credit Limits established
for You will generally be self-replenishing as You make payments.
You can avoid Finance Charges on purchases by paying the full amount of the
entire balance owed each month within 25 days of Your statement closing date.
You will keep Your unpaid balance within Your Credit Limit set by Us, and You will
Otherwise, the new balance of purchases, and subsequent purchases from the
pay any amount over Your Credit Limit on Our demand whether or not We
date they are posted to Your Account, will be subject to a Finance Charge.
authorize the advances which caused You to exceed Your Credit Limit. Even if
Balance transfers and cash advances are always subject to a Finance Charge
Your unpaid balance is less than Your Credit Limit, You will have no credit
from the later of the date they are posted to Your Account or from the first day of
available during any time that any aspect of Your Account is in default.
the billing cycle in which the transaction is posted to Your Account.
JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for
LATE CHARGE. If Your payment is 10 or more days late, You will be charged the
the repayment of any amounts owed. If any Account access device, such as a
lesser of: (a) $15.00 for balances that are less than $100.00, $20.00 for balances
Personal Identification Number (PIN) is requested and approved, You understand
equal to or greater than $100.00 but less than $1,000.00, or $25.00 for balances
that any such Account access device(s) will be mailed only to the primary
equal to or greater than $1,000.00; or (b) the amount of the minimum payment due.
Borrower at the address that We have on file for You. We may refuse to follow
any instructions which run counter to this provision.
VISA FOREIGN TRANSACTIONS. For transactions initiated in foreign
countries and foreign currencies, the exchange rate between the transaction
MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need
currency and the billing currency (U.S. dollars) will be: (a) a rate selected by VISA
only pay the Minimum Monthly Payments, You understand that You have the right
from the range of rates available in wholesale currency markets for the applicable
to repay at any time without penalty. You also understand that You will only be
central processing date, which rate may vary from the rate VISA itself receives; or
charged periodic Finance Charges to the date You repay Your entire balance. You
(b) the government-mandated rate in effect for the applicable central processing
may make larger payments without penalty. Any partial payment or prepayment
date. For transactions that are initiated in a foreign currency, You will be charged
will not delay Your next scheduled payment. All payments to Us must be in lawful
1.00% of the final settlement amount. For transactions occurring in foreign
Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.
Page 2 of 4
OTBS 016CC ACCE (5/14)
countries and initiated in U.S. Dollars, You will be charged 0.80% of the final
INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional
settlement amount.
Disclosure - Federal Truth-In-Lending Act," which is delivered together with this
Agreement or at a later date becomes an integrated part of this Agreement
MASTERCARD FOREIGN TRANSACTIONS. For transactions initiated in foreign
and Disclosure.
currencies, the exchange rate between the transaction currency and the billing
currency (U.S. dollars) will be: (a) a rate selected by MasterCard from the range of
CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this
rates available in wholesale currency markets for the applicable central
Agreement. By signing the application; or by using Your Account or any Account
processing date, which rate may vary from the rate MasterCard itself receives; or
access device; or by authorizing another to use Your Account, You agree to and
(b) the government-mandated rate in effect for the applicable central processing
accept its terms.
date. In each instance You will be charged 8/10th of 1.00% calculated on the final
settlement amount for transactions that are initiated in foreign countries, and if
UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide
your transaction is also initiated in a foreign currency You will be charged an
facts to update information contained in Your original Account application or
additional 2/10th of 1.00% calculated on the final converted settlement amount.
other financial information related to You, at Our request. You also agree that
We may, from time to time, as We deem necessary, make inquiries pertaining
OTHER FEES AND CHARGES. You will be charged the following fees associated
to Your employment, credit standing and financial responsibility in accordance
with the use of Your Card: (a) the lesser of $15.00 or the required minimum
with applicable laws and regulations. You further agree that We may give
payment amount for the returned payment for any check (or other negotiable
information about the status and payment history of Your Account to consumer
instrument used for payment) which is returned unpaid; and (b) $5.00 for each
credit reporting agencies, a prospective employer or insurer, or a state or
replacement Card You request.
federal licensing agency having any apparent legitimate business need for
such information.
PERIODIC STATEMENTS. On a regular basis, You will receive a statement
showing all transactions on Your Account including amounts paid and borrowed
TERMINATION. Either You or We may cancel Your Account at any time, whether
since Your last statement. We will mail You a statement each month in which
or not You are in default. You will, in any case, remain liable to pay any unpaid
there is a debit or credit balance or when a Finance Charge is imposed. We need
balances according to the terms of Your Account.
not send You a statement if We feel Your Account is uncollectible or if We have
started collection proceedings against You because You defaulted. EACH
OWNERSHIP. Your Card remains Our property and may be cancelled by Us at
STATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT
any time without notice. You agree to surrender Your Card and to discontinue its
UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL
use immediately upon Our request.
TRUTH-IN-LENDING ACT.
ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon
OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under
Your request, a Personal Identification Number (PIN) for use with participating
no obligation to honor Your Convenience Checks if: (1) by paying a Convenience
Automated Teller Machines (ATMs). This PIN is confidential and should not be
Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience
disclosed to anyone. You may use Your PIN to access Your Account and all sums
Checks have been reported lost or stolen; (3) Your Account has been cancelled or
advanced will be added to Your Account balance. In the event a use of Your PIN
has expired. If a postdated Convenience Check is paid and, as a result, any other
constitutes an Electronic Fund Transfer, the terms and conditions of Your
Convenience Check is returned unpaid, We are not responsible for any resulting
Electronic Fund Transfer Agreement may also affect Your rights.
loss or liability.
EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other
DEFAULT. You will be in default if: (a) You do not make any payment or perform
slips You may sign or receive when using Your Card contain terms, this Agreement
any obligation under this Agreement, or any other agreement that You may have
is the contract which solely applies to all transactions involving the Card.
with Us; or (b) You should die, become involved in any insolvency, receivership or
custodial proceeding brought by or against You; or (c) You have made a false or
UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.
misleading statement in Your credit application and/or in Your representations to
You will not be liable for the unauthorized use that occurs after You notify Us of
Us while You owe money on Your Account; or (d) A judgment or tax lien should be
the loss, theft, or possible unauthorized use by calling Us at (800) 442-4257 or by
filed against You or any attachment or garnishment should be issued against any
writing to Us at P.O. Box 815909, Dallas, TX 75381-5909. In any case, Your
of Your property or rights, specifically including anyone starting an action or
liability will not exceed $50.00.
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should,
in good faith, believe Your ability to repay Your indebtedness hereunder is or soon
REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not
will be impaired, time being of the very essence.
liable for the refusal or inability of merchants, financial institutions and others to
accept the Cards or Convenience Checks, or electronic terminals to honor the
Upon any occurrence of default, We may, to the extent permitted by law, cancel
Cards or complete a Card withdrawal, or for their retention of the Cards or
Your rights under this Agreement, require the return of all access devices and
Convenience Checks.
declare the entire balance of every Feature Category of Your Account immediately
due and payable, without prior notice or demand.
TRANSACTION SLIPS. Your monthly statement will identify that merchant,
electronic terminal or financial institution at which transactions were made, but
COLLECTION COSTS. In the event collection efforts are required to obtain
sales, cash advances, credit or other slips cannot be returned with the statement.
payment on this Account, to the extent permitted by law, You agree to pay all
court costs, private process server fees, investigation fees or other costs incurred
LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit
in collection and reasonable attorneys' fees incurred in the course of collecting
Cards or Convenience Checks, You will immediately call Us at (800) 442-4257 or
any amounts owed under this Agreement or in the recovery of any Collateral.
write to Us at P.O. Box 815909, Dallas, TX 75381-5909.
ENFORCEMENT. We do not lose Our rights under this or any related agreement
CREDITS. If a merchant who honors Your Card gives You credit for returns or
if We delay enforcing them. We can accept late payments, partial payments or
adjustments, they will do so by sending Us a slip which will be posted to Your
any other payments, even if they are marked "paid in full" without losing any of
Account. If Your credits and payments exceed what You owe Us, We will hold and
Our rights under this Agreement. If any provision of this or any related agreement
apply this credit against future purchases and cash advances, or if it is $1.00 or
is determined to be unenforceable or invalid, all other provisions remain in full
more refund it on Your written request or automatically deposit it to Your share
force and effect.
account after 6 months.
NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move
GOVERNING LAW. This Agreement is controlled and governed by the laws of the
or otherwise have a change of address.
State of Texas, except to the extent that such laws are inconsistent with
controlling federal law.
CHANGE IN TERMS. We may change the terms of this Agreement by mailing or
delivering to You written notice of the changes as prescribed by the Federal Truth-
Your Billing Rights: Keep this Document for Future Use
In-Lending Act. To the extent permitted by law, the right to change the terms of
this Agreement includes, but is not limited to, the right to change the periodic rate
This notice tells You about Your rights and Our responsibilities under the
applicable to Your unpaid balance and/or future advances.
Fair Credit Billing Act.
CREDIT INSURANCE. Credit insurance is not required for any extension of credit
What To Do If You Find A Mistake On Your Statement
under this Agreement. However, You may purchase any credit insurance available
through Us and have the premiums added to Your outstanding balance. If You elect
If You think there is an error on Your statement, write to Us at Our address shown
to do so, You will be given the necessary disclosures and documents separately.
in this Agreement. In Your letter, give us the following information:
Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.
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Account information: Your name and Account number.
If We do not believe there was a mistake: You will have to pay the amount
Dollar amount: The dollar amount of the suspected error.
in question, along with applicable interest and fees. We will send You a
Description of problem: If You think there is an error on Your bill, describe
statement of the amount You owe and the date payment is due. We may
what You believe is wrong and why You believe it is a mistake.
then report You as delinquent if You do not pay the amount We think
You owe.
You must contact Us:
If You receive Our explanation but still believe Your bill is wrong, You must write
Within 60 days after the error appeared on Your statement.
to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot
At least 3 business days before an automated payment is scheduled, if You
report You as delinquent without also reporting that You are questioning Your bill.
want to stop payment on the amount You think is wrong.
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
You must notify Us of any potential errors in writing. You may call Us, but if You
between Us. If We do not follow all of the rules above, You do not have to pay the
do We are not required to investigate any potential errors and You may have to
first $50.00 of the amount You question even if Your bill is correct.
pay the amount in question.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
What Will Happen After We Receive Your Letter
If You are dissatisfied with the goods or services that You have purchased with
When We receive Your letter, We must do two things:
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
1)
Within 30 days of receiving Your letter, We must tell You that We received
purchase. To use this right, all of the following must be true:
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
1)
The purchase must have been made in Your home state or within 100 miles
explain to You why We believe the bill is correct.
of Your current mailing address, and the purchase price must have been
more than $50.00. (Note: Neither of these are necessary if Your purchase
While We investigate whether or not there has been an error:
was based on an advertisement We mailed to You, or if We own the
company that sold You the goods or services.)
We cannot try to collect the amount in question, or report You as delinquent
2)
You must have used Your Credit Card for the purchase. Purchases made
on that amount.
with cash advances from an ATM or with a check that accesses Your Credit
The charge in question may remain on Your statement, and We may
Card account do not qualify.
continue to charge You interest on that amount.
3)
You must not yet have fully paid for the purchase.
While You do not have to pay the amount in question, You are responsible
for the remainder of Your balance.
If all of the criteria above are met and You are still dissatisfied with the purchase,
We can apply any unpaid amount against Your Credit Limit.
contact Us in writing at Our address shown in this Agreement.
After We finish Our investigation, one of two things will happen:
While We investigate, the same rules apply to the disputed amount as
discussed above. After We finish Our investigation, We will tell You Our
If We made a mistake: You will not have to pay the amount in question or
decision. At that point, if We think You owe an amount and You do not pay, We
any interest or other fees related to that amount.
may report You as delinquent.
Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.
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