REVOLVING CREDIT
CO-APPLICANT INFORMATION (For Joint Applications Only)
NOTICE TO WISCONSIN APPLICANTS: No provision of a marital property agreement, a
Each applicant may apply for individual or joint credit regardless of marital status.
unilateral statement under Wis. Stats. $766.59, or a court decree under Wis. Stats. $766.70
This application is for:
Check if you are NOT a US Citizen
adversely affect the interest of the creditor unless the creditor is furnished a copy of the
Individual Credit - complete applicant information.
Social Security Number
Date of Birth
No. of Dependents
decree, agreement, statement, or has actual knowledge of the adverse provision prior to
Joint Credit with Spouse as Joint Applicant complete applicant and CO-
the time credit is granted. You must supply us with your spouse's name and address in the
applicant information.
Spouse/Joint Applicant section above so we can give notice of this credit transaction by
Joint Credit with Non-Spouse as Joint Applicant - complete applicant
First Name
Middle
Last Name
mailing a copy of this application. If you are married, you agree that this obligation is
incurred in the interest of marriage or family.
and applicant information.
We intend to apply for joint credit:
Residence Address (No PO Box allowed)
Time at Residence
Applicant Signature:
Yrs.
Mos.
CREDIT REPORT NOTICE: We may request a credit report for any legitimate purpose
Applicant Sign Here
Co-Applicant Sign Here
City
State
Zip
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
DEALER USE ONLY
a report was ordered and will give you the name and address of the credit reporting agency
Home Phone Number
Cell Phone Number
that furnished the report.
Applicant's identification was verified via viewing an unexpired driver's license unless one of the
following is checked:
/
/
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NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating
E-Mail Address:
against credit applicants on the basis of race, color, religion, national origin, sex, marital
Unexpired:
State Issued ID Card
Passport
Social Security Card
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
Co-Applicant's identification was verified via viewing an unexpired driver's license unless one of the
following is checked:
Present Employer
Work Phone Number
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
Unexpired:
State Issued ID Card
Passport
Social Security Card
/
/
this creditor is the Federal Trade Commission.
Occupation
Gross Monthly Salary
Length of Employment
Verified By:
Delaware residents: Service charges not in excess of those permitted by law will be
$
Yrs.
Mos.
charged on the outstanding balances from month to month.
Maryland residents: Finance charges will be made in amounts or at rates not in
Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered
Dealer #
excess of those permitted by law.
as a basis for repaying this obligation.
Other Income
Source
Monthly Amount
Initial Sale $
Down Payment $
ASSIGNMENT: Should Aqua Finance, Inc. ("AFI") acquire your account as a result of your
credit application, AFI may further assign your credit transaction to a credit union which
$
$
In this Agreement "you" and "your" refer to all persons applying for credit
may require you to be a member. In that event, and by signing this application, you agree
By signing this application: 1) you warrant all information you provide is true and complete; 2) you
to the terms of membership as set forth below:
and "we", "us", and "our" refer to Dealer and its assigns.
authorize Dealer to assign this application to Aqua Finance, Inc. or its assigns; 3) you authorize a full
CUSTOMER CREDIT APPLICATION
investigation and release of any records from any source, including credit bureau reports, to check the
/ apply for membership in and agree to the terms and conditions as provided, and / agree to
accuracy of information on this application; and 4) you consent to receiving autodialed message calls
conform to the bylaws and any amendments of any credit union which accepts assignment
APPLICANT INFORMATION (Please Type or Print Clearly)
from us or our agents on your wireless phone. You have a continuing duty to keep us informed if any
of my credit transaction. / authorize the credit union to check my account, credit, and
Check if you are NOT a US Citizen
information on this application changes. By completing and signing this application you understand that
employment history, and to obtain a credit report now or in the future. / understand that this
you have requested that we open a revolving credit account which allows you to make credit purchases
will assist the credit union, for example, in determining my initial and ongoing eligibility for
Social Security Number
Date of Birth
No. of Dependents
on account as evidenced by a revolving credit sales slip, and you agree to all the terms and conditions
my/our Account and/or in connection with making future credit opportunities available to
of this Revolving Credit Agreement. By your signature you acknowledge that you have received and
me. This is not a marital account. If the initial share is deposited by the credit union, it will
read all the terms of this Agreement before making any purchases on the account. IF THIS IS A JOINT
be revoked if no additional deposits or loans are added to my membership within one year
First Name
Middle
Last Name
ACCOUNT YOU UNDERSTAND THAT EACH APPLICANT HAS THE RIGHT TO USE THE ACCOUNT
of membership date. It is agreed that if more than one person signs this application, this
TO THE CREDIT LIMIT AND THAT CO-APPLICANTS ARE JOINTLY AND SEVERALLY LIABLE FOR
account is jointly held by the parties named hereon. Upon the death of any of them,
ALL PURCHASES ON THE ACCOUNT. See State Notices for important information regarding this
ownership or all funds in this account are passed to the survivor.
Residence Address (No PO Box allowed)
Time at Residence
credit application and agreement. No agreement exists between us until this application is approved.
Mos.
SOCIAL SECURITY NUMBER/TAXPAYER IDENTIFICATION NUMBER: Under penalties of perjury, I
AUTHORIZATION AGREEMENT FOR DIRECT PAYMENTS
Yrs.
certify that: The number shown on Page 1 of this Credit Application is my correct taxpayer identification
I hereby authorize the initiation of a periodic deduction from my account at the financial
City
State
Zip
number (or am waiting for a number to be issued to me), 2) am not subject to backup withholding
institution named below through the ACH system and authorize said institution to debit my
because: (a) am exempt from backup withholding; or (b) have not been notified by the Internal
account for the amount and at the frequency set forth below. I acknowledge that this
Revenue Service (IRS) that am subject to backup withholding as a result of a failure to report all interest
request does not violate the provisions of United States law as it applies to ACH
Home Phone Number
Cell Phone Number
or dividends; or (c) the IRS has notified me that am no longer subject to backup withholding; and 3)
transactions. I understand I have a right to stop this automatic payment by notifying either
am a U.S. person (including a U.S. resident alien). Certification Instructions: Cross out item 2 above if
the institution named below or AFI, in writing, at least three (3) business days prior to the
/
/
/
/
you have been notified by the IRS that you are currently subject to backup withholding because you have
day my account is scheduled to be charged and that there may be a fee for that service.
E-Mail Address:
failed to report all interest and dividends on your tax return. Cross out item 3 and complete a W-8 BEN if
Further agree that AFI will require written confirmation ofan oral stop-payment order within
you qualify and are not a Person.
fourteen (14) days. This will be a permanent stop payment on this preauthorized payment.
The Internal Revenue Service does not require your consent to any provision of this document
| may, however, establish a new preauthorized payment from the same financial institution
Own
Monthly Mortgage Payment
Home Value
other than the certification required to avoid backup withholding.
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,
Rent
$
$
Your Minimum Monthly Payment will be between 2% and 5% of the "Highest Monthly Charge"
incurred as a result of its inability to process a scheduled preauthorized withdrawal due to:
Present Employer
Work Phone Number
balance since your Monthly Charge Balance was zero (less any Special Payment Plans) as will be
my having supplied incorrect information, its having acted on a stop payment order, or there
shown on your billing statement, rounded to the next highest dollar, or $15, whichever is greater.
being insufficient funds in the account I have indicated.
/
/
A finance charge will be computed on your outstanding balance each month.
Occupation
Gross Monthly Salary
Length of Employment
Monthly Payment,
DO NOT SIGN BELOW UNLESS MERCHANT HAS PROVIDED THE ATTACHED DISCLOSURES
AND TERMS. BY YOUR SIGNATURE BELOW YOU ACKNOWLEDGE RECEIPT OF THE ATTACHED
Day of Month for Withdrawal
Month First Payment is to be Drawn
$
Yrs.
Mos.
Bank Name
REVOLVING CREDIT AGREEMENT.
Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it consid-
Bank Address
ered as a basis for repaying this obligation.
Source
Applicant Signature
Date
Other Income
Monthly Amount
IMPORTANT: PLEASE ATTACH A VOIDED CHECK WITH CORRECT ENCODING
INFORMATION
/
/
$
$
Bank Routing Number
Applicant Driver's Lic. No.
State Issued
Expiration Date
Depositor Account Number
PERSONAL REFERENCE (Not Living With You)
/
/
Type of Account:
Checking
Savings
Name
Joint Applicant Signature
Date
X
/
/
Signature of Depositor
(if joint account, both must sign)
Relationship
Phone Number
Joint Applicant Driver's Lic. No.
State Issued
Expiration Date
I would like to receive my monthly account statements by email and have access to pay
/
/
/
/
my bill online.
AFI-500-RCA 5/1/2013 157296
IMPORTANT INFORMATION ABOUT YOUR ACCOUNT
State APR Rates
balance. The daily balance is calculated by taking the beginning balance in the account
KEEP THIS INFORMATION FOR YOUR RECORD
each day, adding any new purchases, and subtracting any unpaid interest or other finance
17%
Arkansas
charges and any payments and credits. The INTEREST CHARGE is calculated by (i) taking
REVOLVING CREDIT AGREEMENT AND
each daily balance, (ii) multiplying that daily balance by the applicable daily periodic rate,
DISCLOSURE STATEMENT
17.99%
All other states
(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
The penalty APR rate does not apply in the following states: Arkansas, Colorado,
Dealer may assign all rights under this Agreement and any credit sale made pursuant to it
CHARGES for each purchase type rounded to the next highest cent. Any Daily Balance
Connecticut, Delaware, Florida, Illinois, Kansas, Louisiana, Maine, Massachusetts,
less than zero will be treated as zero. A minimum INTEREST CHARGE of no less than
(as evidenced by a revolving credit sales slip) to Aqua Finance, Inc. ("AFI") and to AFI's
Michigan, Minnesota, Nebraska, North Carolina, Oklahoma, Pennsylvania, Rhode
$0.50 is added to your account in any billing cycle your account is subject to an INTEREST
further assigns.
Island, South Carolina, Texas, and Wyoming.
CHARGE, except in states where prohibited by law. The grace period is 25 days in
Interest Rates and Interest Charges
Louisiana, Maine, Maryland, Massachusetts, Mississippi, North Carolina, and Virginia and
1. GENERAL: If your credit application is approved and we open a revolving credit account
Annual Percentage
30 days in Nebraska&Vermont on new purchases where your account balance is $0 or you
17% - 17.99%
for you, you may purchase household goods and services on credit from the dealer where
have paid your previous balance due in full by the end of the billing cycle.
Rate (APR) for
you opened your account. Purchases are pursuant to a revolving credit sales slip and you
(APR Varies By State. See table
agree that all sales are subject to the terms of this Agreement.
Purchases
9. DEFAULT: You are in default if: (a) you fail to make a required payment when due on
below for applicable rate in your
2. PROMISE TO PAY: You agree to pay for all purchases made on your account,
two occasions in any 12 month period; (b) you fail to observe or perform any of the other
state
INTEREST CHARGES, and other applicable charges or fees under this Agreement
covenants or duties contained in this Agreement if the failure materially impairs the
incurred by you or anyone you authorize or permit to use your account. If this account is a
condition, value or protection of our right in any Collateral, or materially impairs your ability
Penalty APR
21%(see table below for
joint account, each joint account holder agrees to pay, and all account holders are jointly
to pay any amounts on your billing statement when due. You will receive a Notice of Right
and
applicability in your state**
and severally responsible for all amounts owed on the account. If your account is referred
to Cure in the following states: Colorado, lowa, Kansas, Maine, Massachusetts, Nebraska,
for collections to an attorney who is not our salaried employee, you agree to pay
Pennsylvania, and Wisconsin. If you fail to cure within the time allowed in your notice or
When it Applies**
This APR may be applied to your
reasonable attorney fees and reasonable collection costs to the extent allowed by law in
within 30 days if you live in a state with no notice requirement, we may accelerate your
account if you make a late
your state. If your state does not allow attorney fees (IA, ME, OH, and WI), you agree to
balance.
pay any statutory attorney fees and costs that may be awarded to us by a court of law.
payment.
10. SPECIAL CREDIT PROMOTION PLANS: We may occasionally offer special credit
3. CREDIT LIMIT: We set a credit limit on your account which we may modify at any time
promotion plans for you to participate in at your option.
How Long Will the Penalty Rate
for any reason not prohibited by law. You may not charge purchases if it causes you to
11. LATE FEE: If your payment is more than 10 days late (15 days in Maine,
Apply?: ePenalty APR may
exceed your credit limit unless we allow such purchases. You agree to pay all amounts over
Massachusetts, Idaho, or South Dakota), you may be charged a late fee up to the amount
your credit limit.
remain in effect indefinitely.
indicated below for your state of residence. The late fee will be added to your account
4. BILLING STATEMENT: We will mail you a statement each month you have an account
balance.
Paying Interest
Interest Charges begin on the date
balance greater than $1.00 at the address we have in our records. This statement will show
KS & MO if payment due is less than $25
$5
a purchase is posted to your
credit purchases, late charges, NSF fees, previous balance, new balance, payments
AK, AR, CA, FL, KS, MO, MT, NJ, OH, RI, SD, TN
$10
account, except in states requiring
received, credits, INTEREST CHARGES, total minimum payment due, and payment due
CO, IN, IA, MS, NV, NH, NY, ND, OR, VT, WA, WI
$15
date.
GA
$25
a grace period, in which case your
5. MINIMUM MONTHLY PAYMENT: All payments, except disputed payments, must be
MN -$7.28 maximum; NC -$6 maximum
5% of payment due
due date is at least 25 days after
mailed or delivered to the PaymentProcessingCenter address shown on your monthly
AL, KY & minimum;
5% of payment due;
$35 maximum*
the close of each billing cycle and
billing statement. All payments must be made by electronic fund transfer, check or money
ID & minimum;
order. Do not send cash. Cash or other nonconforming methods of payment may be
HI, VA
we will not charge you interest if
rejected. We may accept partial or late payments or checks marked "payment in full" or
UT
5% of payment due;
$30 maximum*
you pay your entire balance by the
other restrictive endorsement without losing our right to receive the full amount owed. Your
NE
5% of payment due;
$25 maximum
due date.
billing statement will include requirements for you to follow in making payments. Disputed
OK ($5 minimum), TX, D.C.
5% of payment due;
$15 maximum
payments, including those which indicate that the payment constitutes "payment in full" of
Minimum Interest
AZ, CT, IL, LA, MD, ME
If you are charged interest, the
5% of payment due;
$10 maximum
the amount owed, must be mailed or delivered to the Customer Service address listed
NM, PA, SC
5% of payment due;
$5 maximum
Charge
charge will be no less than $0.50.
below. You agree to pay us at least the Total Minimum Monthly Payment reflected on your
MA
10% of payment due;
$10 maximum
statement. You may pay more than the Total Minimum Monthly Payment and you may pay
For Credit Card Tips
To learn more about factors to
the entire amount due at any time. The Total Minimum Monthly Payment Due shown on
*($25 maximum-first occurrence in more than 6 months.)
from the Consumer
consider when applying for
your billing statement will be the sum of the Minimum Monthly Payment plus all past due
12. RETURNED PAYMENT / NSF FEE: If any payment instrument or method is
or using a credit card, visit
amounts, late fees, and other charges. The Minimum Monthly Payment is calculated at the
dishonored by your bank or the drawee, you agree to pay an NSF fee up to the amount
Financial Protection
end of the first month in which you make a purchase, and will be calculated each month in
indicated below for your state of residence. No NSF fee will be charged if your state of
Bureau
theConsumer Financial Protection
which you make an additional purchase. Your Minimum Monthly Payments will be between
residence is Delaware, Maryland, Nebraska, or Wyoming. If required by your state, you will
Bureau's website
2% and 5% of the "Highest Monthly Charge" balance since your Monthly Charge Balance
receive a notice with instructions about the NSF service or collection fees, and if you fail to
was zero, less any Special Payment Plans as shown on your billing statement rounded to
pay the fee we will add it to your account balance. We are not required to present payment
athttp://www.consumerfinance.gov/learnmore.
the next higher dollar, or $15, whichever is greater, unless your account balance is less
instruments more than once to the drawee for payment. This fee will be added to your
Fees
than $15 in which case the Minimum Monthly Payment will be equal to the account balance.
account balance.
You agree that any payment may be returned if your check is (i) not drawn in U.S. dollars
MA, ME, AZ (greater of $10 or bank fee)
$10
Penalty Fees
Fees Vary By State
on funds on deposit in the U.S.; (ii) missing a signature; (iii) drawn with different numeric
CA, MS, MO
$15
Late Payment
Up to $35 See Paragraph 11 of Agreement
and written amounts; (iv) contains a restrictive endorsement; (v) postdated; or (vi) not paid
CT, D.C., ID, IA, MN, NJ, NY, OH, PA, UT, VT
$20
on presentment. If you do not make a Total Minimum Monthly Payment within 60 days of
Returned Payment
Up
to
$30
AR, CO, FL, IL, IN, KY, LA, MI, NV, NH, NM, NC, OK, OR, RI, TX, WI
$25
Paragraph 12 of Agreement
its due date, we may apply the Penalty APR to your account, if allowed by the state of your
AL, AK, GA, HI, KS, MT, ND, SC, SD, TN, VA, WA
$30*
How We Will Calculate Your Balance: We use a method called the
residence. We will give you advanced notice of the date the Penalty APR is effective. The
*($25 maximum-first occurrence in more than 6 months.)
"Daily Balance (including new purchases). See your account Agreement
Penalty APR may remain in effect indefinitely, unless you make the first six consecutive
Total Minimum Monthly Payments when due following the effective date of the application
13. ACCOUNT INFORMATION: You authorize us to furnish information about your
for more details.
of the Penalty APR to your account.
account to credit reporting agencies and anyone else who may lawfully receive such
Billing Rights: Information on your rights to dispute transactions and
information. On request, you agree to promptly provide us with accurate and updated
6.ELECTRONIC FUND TRANSFER:Wh you provide a check, you authorize us either to
how to exercise those rights is provided in your account agreement.
financial and employment information. You agree to give us prompt notice of any change in
use information from your check to make a one-time electronic fund transfer from your
your name, address, and telephone numbers. Where allowed by law, you authorize the
This information is accurate on the date of your application and
account or to process the transaction as a check. When we use your check to make an
Department of Motor Vehicles to release your address if it becomes necessary to locate
initial purchase. If any of this information changes you will be
electronic fund transfer, funds may be withdrawn from your account as soon as the same
you.
notified at least 45 days prior to any change and how to contact us
day we receive your payment, and you may not receive your check back from your financial
institution. If there are insufficient funds in your account you authorize us to charge anNSF
14. CHANGE IN TERMS: We may change the terms of this Agreement, as permitted by
regarding any change. All terms are subject to change.
Fee as indicated below and collect that amount through an electronic fund transfer from
law, at any time. You will be notified of changes in accordance with applicable state and
federal law, but in the event your state does not specify a time period, you will be notified at
your account.
least 45 days in advance of any such changes, and such notice will be sent to your current
7. PREPAYMENT: You may pay your entire account balance at any time without penalty.
address as shown on our records for your account. We count the days from the date we
If you do not pay the entire balance in full, you must make a minimum payment each month
mail the notification.
by the payment due date that appears on your billing statement. Under federal law, we are
15. CREDIT INVESTIGATION: You agree we may investigate your credit, employment,
not required to refund any amounts less than $1.00.
and financial status. You authorize us to obtain a credit report and any other information
8. INTEREST CHARGE: INTEREST CHARGES begin the date a purchase is posted to
about your creditworthiness in connection with processing your application for credit, and
your account and accrue as long as your account has a balance, except in states with a
subsequently in connection with any extension of credit, request to increase credit limits, or
mandatory grace period. The INTEREST CHARGE is computed by applying a daily
any renewal or update of your account, or to take collection action on the account, or to
periodic rate of .04658% (corresponding to an annual percentage rate of 17%) or a periodic
investigate disputes regarding the account. At your request, we will inform you if such
rate of .04929% (corresponding to an annual percentage rate of 17.99%) to the daily
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
23. NOTICE:
The charge in question may remain on your statement, and we
your social security number or other identifier and disclose your home address to the
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS
may continue to charge you interest on that amount.
authorized holder of this Agreement for purposes of performing or enforcing the terms of
SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE
While you do not have to pay the amount in question, you are
this Agreement. You authorize any past or present employer to confirm employment or
DEBTOR COULD ASSERT AGAINST THE SELLER OF
communicate with us regarding your indebtedness to us if you fail to meet the terms and
responsible for the remainder of your balance.
conditions of this Agreement. We use information furnished solely in connection with
GOODS OR SERVICES OBTAINED PURSUANT TO THIS
We can apply any unpaid amount against your credit limit.
performing or enforcing the terms of this Agreement.
AGREEMENT OR WITH THE PROCEEDS FROM IT.
16. ACCOUNT CANCELLATION: We may cancel your account at any time for any reason
DEBTOR'S RECOVERY UNDER THIS AGREEMENT MAY NOT
After we finish our investigation, one of two things will happen:
subject to the requirements of applicable law. Outstanding balances continue to accrue
EXCEED THE AMOUNT OF CREDIT OUTSTANDING.
If we made a mistake: You will not have to pay the amount in
INTEREST CHARGES until paid in full, and remain subject to all terms and conditions of
question or any interest or other fees related to that amount.
this Agreement. You may cancel your account by writing to our account service provider
Arizona residents You must give us notice of your claim or defense in writing by certified
If we did not believe there was a mistake: You will have to pay
Aqua Finance, Inc., P.O. Box 844, Wausau, WI54402-0844. Your notice is effective on
mail within 90 days of receiving any goods or you may waive the right to set-offs or defense
the amount in question along with applicable interest and fees.
receipt. If you cancel your Account, you are still responsible for all amounts owed pursuant
against assignee if assignee provides you a notice of your rights and you fail to exercise
to the terms of this Agreement.
We will send you a statement of the amount you owe and the
those rights pursuant to the terms of the notice. lowa residents You must give assignee
17. ASSIGNMENT: This Agreement is not effective until your application has been
notice within 30 days of assignment to assert claims and defenses against assignee.
date payment is due. We may then report you as delinquent if
approved by AFI. We have the right to assign any or all of our rights under this Agreement
Oklahoma & South Dakota residents You waive the right to bring a claim or defense
you do not pay the amount we think you owe.
to any assignee of our choosing. You may not assign this Agreement or any rights under it
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
If you receive our explanation but still believe your bill is wrong, you may
and any attempt to make such an assignment will be null and void. You understand that
to bring a claim or defense against assignee after 12 months if assignee provides you a
write to us within 10 days telling us that you still refuse to pay. If you do
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,
notice of your rights to do so and you fail to exercise those rights pursuant to the terms of
so, we cannot report you as delinquent without also reporting that you
administrators, successors and assigns.
the notice of assignment. This waiver is in accordance with section 422.407 (4) of the
are questioning your bill. We must tell you the name of anyone to whom
Wisconsin Consumer Act. Wyoming residents You waive the right to bring a claim or
18. SEVERABILITY: If any provision of this Agreement is deemed void or unenforceable
we reported you as delinquent, and we must let those organizations
defense against assignee for 45 days after assignment if assignee provides you a notice of
under any law, rule, or regulation, all other provisions remain in effect and enforceable.
your rights and you fail to exercise those rights pursuant to the terms of the notice.
know when the matter has been settled between us.
19. NON-WAIVER: We do not lose any of our rights under this Agreement if we delay
If we do not follow the rules above, we cannot collect the first $50 of the
24. CUSTOMER SERVICE: Direct all inquiries concerning your account to:
taking action for any reasons.
amount you questioned amount, even if your bill was correct.
Aqua Finance, Inc.
20. REPRESENTATION:) 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,
P.O. Box 844
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
correct, and accurate. Any false, incorrect, or misleading information you knowingly supply
Wausau, WI 54402-0844
If you are dissatisfied with the goods or services that you have purchased
is a deliberate misrepresentation.
or call Customer Service at telephone number 800-234-3663.
with your credit card, and you have tried in good faith to correct the
21. STATE LAW RESIDENT NOTICES:
problem with the merchant, you may have the right not to pay the
25: BILLING RIGHTS NOTICE:
CALIFORNIA STATE NOTICE: Applicants may 1) use the credit account
remaining amount due on the purchase. To use this right, all of the
up to its credit limit after credit approval; 2) be liable for amounts
Your Billing Rights: Keep this Document for Future Use
following must be true:
extended under the plan to any joint applicant. A negative credit report
This notice tells you about your rights and our responsibilities
1. The purchase must have been in your home state or within 100
reflecting on your credit record may be submitted to a credit reporting
under the Fair Credit Billing Act.
miles of your current mailing address, and the purchase price must have
agency if you fail to fulfill the terms of your credit obligations.
been more than $50. (Note: Neither of these are necessary if your
COLORADO RESIDENTS: Warning: The terms of this revolving charge account may be
What To Do If You Find A Mistake On Your Statement
purchase was based on an advertisement we mailed to you, or if we own
changed, whether or not authorized by agreement, in accordance with the Colorado UCCC
and other applicable law.
If you think there is an error on your statement write us at:
the company that sold you the goods or services).
DELAWARE: Service charges not in excess of those permitted by law will be charged on
Aqua Finance, Inc.
2. You must have used your credit card for the purchase. Purchases
the outstanding balances from month to month.
ATTN: Customer Billing
made with cash advances from an ATM or with a check that accesses
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
One Corporate Drive, Suite 300
your credit card account do not qualify.
handicap unrelated to the ability to pay or unfavorable discharge from military service. The
Wausau, WI54401
3.
You must not yet have fully paid for the purchase.
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
In your letter, give us the following information:
If all of the criteria above are met and you are still dissatisfied with the
the change in marital status has caused deterioration in the person's financial position. A
Account Information: Your name and account number.
purchase, contact us in writing at:
person may hold a credit card in any name permitted by law that he or she regularly uses
Dollar Amount: The dollar amount of the suspected error.
Aqua Finance, Inc.
and is generally known by, so long as no fraud is intended thereby.
Description of Problem: If you think there is an error on your
ATTN: Customer Billing
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
bill, describe what you believe is wrong and why you believe it
One Corporate Drive, Suite 300
and address of the consumer reporting agency, if a report was obtained. Charges incurred
is a mistake.
Wausau, WI54401
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
You must contact us:
While we investigate, the same rules apply to the disputed amount as
permitted by law. You may pay the entire balance at any time without incurring additional
within 60 days after the error appeared on your statement.
discussed above. After we finish our investigation, we will tell you our
charges for prepayment.
At least 3 business days before an automated payment is
decision. At that point, if we think you owe an amount and you do not
VERMONT: We may obtain your credit reports at any time, for any legitimate purpose
scheduled if you want to stop payment on the amount you think
pay, we may report you as delinquent.
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
is wrong.
Note to all Buyers: Finance Charges will be made in amounts or at
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.
You must notify us of any potential errors in writing. You may call us, but
rates not in excess of those permitted by You have the right to
OHIO:Ohio anti-discrimination laws require creditors to make credit equally available to all
if you do we are not required to investigate any potential errors and you
pay in advance the full amount due.
creditworthy customers and that credit reporting agencies maintain separate credit histories
may have to pay the amount in question.
NOTICE TO BUYER: 1) DO NOT SIGN ANY PART OF YOUR
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
What Will Happen After We Receive Your Letter
REVOLVING CREDIT AGREEMENT BEFORE YOU READ IT OR
is subject in whole or in part to Texas law which is enforced by the Consumer Credit
IF IT CONTAINS ANY BLANK SPACES. 2) YOU ARE
Commissioner, 2601 N. Lamar Blvd. Austin, Texas78705. Phone 512-936-7600. Contact
When we receive your letter, we must do two things:
ENTITLED TO A COMPLETELY FILLED IN COPY OF ANY
the commissioner relative to any inquiries or complaints.
1. Within 30 days of receiving your letter, we must tell you that we
AGREEMENT WHEN YOU SIGN IT. 3) A FINANCE CHARGE
S.SECURITY AGREEMENT: You grant us a purchase money security interest under the
received your letter. We will also tell you if we have already corrected the
WILL BE COMPUTED ON THE OUTSTANDING BALANCE
Uniform Commercial Code in each household good purchased on account to the full extent
permitted by law. To the extent allowed by law, you will pay all official fees and taxes, and
error.
EACH BILLING PERIOD IN ACCORDANCE WITH THE RATES
on request, take any reasonable action requested by us to preserve the collateral or to
2. Within 90 days of receiving your letter, we must either correct the
ABOVE. 4) YOU MAY PAY YOUR TOTAL UNPAID BALANCE
establish, determine priority of, perfect, continue perfected, terminate or enforce our interest
error or explain to you why we believe the bill is correct.
in it or rights under this agreement. If you do not make payments as agreed, this security
AT ANY TIME.
interest allows us to take actions in accordance with state laws governing the enforcement
While we investigate whether or not there has been an error:
of security interests in collateral. You further agree to keep the goods installed at the
Dealer Name:
address on the credit application and to not remove or materially alter them without our
We cannot try to collect the amount in question, or report you
written consent. You may lose the goods you purchased if you do not meet your obligations
as delinquent on that amount.
Address:
under this agreement.
AFI-500-RCA 5/1/2013 157296