WebBank
YAMAHA CREDIT CARD ACCOUNT
PRICING INFORMATION
Interest Rates and Interest Charges
Annual Percentage
15.99% - 23.99% based on your credit-
Rate (APR) for
worthiness. See your Important Disclosure
Purchases
Insert for the APR that applies to your Account.
Your due date is at least 25 days after the close of
each Billing Cycle. We will not charge you inter-
est on Regular Credit Plan purchases if you pay
Paying Interest
your entire Regular Credit Plan balance and the
Minimum Payment due on all Promotional Credit
Plans by the due date each month. We will begin
charging interest, if any, on Promotional Credit
Plan purchases on the transaction date.
Minimum Interest
If you are charged interest, the charge will be no
Charge
less than $2.00.
For Credit Card
To learn more about factors to consider
Tips from the
when applying for or using a credit card,
Consumer Financial
visit the website of the Consumer Financial
Protection Bureau
Protection Bureau at
http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
None.
Penalty Fees
Late Payment
Up to $38.
Returned Payment
Up to $27.
How We Calculate Your Balance. We use a method called "average daily
balance (excluding new Regular Credit Plan purchases)." If your Account is
subject to a grace period during the billing cycle, payments made during that
billing cycle will be subtracted from your daily balances during that cycle. For
additional information, see the "Interest Charges" section of the Agreement.
Security Interest. We take a security interest in the goods you purchase
with your Card.
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Billing Rights. Information on your rights to dispute transactions and how
to exercise those rights is provided in the "Your Billing Rights" section of
this Agreement.
The above APRs were in effect on January 1, 2018. If you are approved,
you will receive an Important Disclosures Insert that includes the APR that
applies to your Account. To find out any changes before applying, contact
us at P.O. Box 84240, Sioux Falls, SD 57118 or 1-877-327-7310.
ARBITRATION
This WebBank Yamaha Credit Card Account Customer Agreement
contains an Arbitration Provision. The Arbitration Provision is
contained in Section 36. Please read the Arbitration Provision carefully.
Unless you send us the rejection notice described in the Arbitration
Provision, the Arbitration Provision will apply to you.
IMPORTANT INFORMATION
ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money launder-
ing activities, Federal law requires all financial institutions to obtain, verify,
and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your
name, address, date of birth, and other information that will allow us to
identify you. We may also ask to see your driver's license or other identi-
fying documents.
IMPORTANT INFORMATION ABOUT CREDIT REPORTING
We may report information about your Account to credit bureaus. Late
payments, missed payments, or other defaults on your Account may be
reflected in your credit report.
STATE-SPECIFIC INFORMATION
NOTICE FOR CALIFORNIA RESIDENTS: Applicants may, after credit
approval, use the credit card account up to its credit limit and be liable for
amounts extended under the plan to any joint applicant. If you are married,
you may apply for credit in your own name.
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NOTICE FOR OHIO RESIDENTS: 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.
NOTICE FOR NEW YORK AND VERMONT RESIDENTS:
WebBank may obtain at any time your credit reports, 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, you will be informed if such a
report was ordered. If so, you will be given the name and address of the
consumer reporting agency furnishing the report.
NOTICE FOR NEW YORK RESIDENTS: New York residents may
contact the New York State Department of Financial Services by telephone
or visit its website for free information on comparative credit card rates,
fees and grace periods. New York State Department of Financial Services:
1-877-226-5697 or http://www.dfs.ny.gov.
NOTICE FOR MARRIED WISCONSIN RESIDENTS: No provision
of any marital agreement, unilateral statement, or court order applying to
marital property will adversely affect a creditor's interests unless prior to
the time credit is granted, the creditor is furnished with a copy of the agree-
ment, statement or court order, or has actual knowledge of the provision. If
you are married, by submitting your credit card application you are confirm-
ing that this credit card obligation is being incurred in the interest of your
marriage and your family. If the credit card for which you are applying is
granted, you will notify the Bank if you have a spouse who needs to receive
notification that credit has been extended to you.
NOTICE FOR DELAWARE RESIDENTS: Service charges not in ex-
cess of those permitted by law will be charged on the outstanding balances
from month to month.
PROGRAM TERMS: By applying for this Account issued by WebBank
you understand that you may not be approved if:
You provide only a P.O. Box and not a street address.
The application is missing required information, or the information
you provide cannot be verified.
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Your address is outside the United States.
You are under 18 or under the age of majority in any state where
the age of majority is higher than 18.
You do not have a valid Social Security Number or Individual Tax-
payer Identification Number.
All credit is granted and all Accounts are owned by WebBank.
This Account is subject to approval by WebBank .
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WebBank
YAMAHA CREDIT CARD ACCOUNT
CUSTOMER AGREEMENT
SECTION 1. ABOUT THE CREDIT CARD AGREEMENT.
This WebBank Yamaha Credit Card Account Customer Agreement
("Agreement") is between you and WebBank, a Utah-chartered, FDIC insured
bank having its principal office at 215 S. State Street, Suite 1000, Salt Lake
City, UT 84111. There are two parts to this Agreement: WebBank Yamaha
Credit Card Account Pricing Information including your Important Disclosure
Insert and the WebBank Yamaha Credit Card Account Customer Agreement.
WebBank will open an Account and issue a Card(s) that may only be used at
dealers participating in the Yamaha Motor Finance Corporation U.S.A.
("Yamaha") financing programs and Yamaha or Yamaha affiliates' e-commerce
websites to purchase goods and services. By opening your Account, signing
your Card or using your Account, you agree to the terms of the Agreement with
WebBank including any changes, amendments or supplements to it.
SECTION 2.
DEFINITIONS.
The meanings of the capitalized terms used in the Agreement appear
in the "Glossary" (Section 35 of this Agreement).
As used here, "you" and "your" mean each applicant and co-applicant
approved on the Account; any person responsible for paying the Account; any
Authorized User; and any person responsible for complying with this
Agreement. "We," "us," "our," and "WebBank" mean WebBank.
SECTION 3. ACCOUNT DOCUMENTS.
The following documents govern your Account with us:
1.
this Agreement;
2.
all Statements;
3.
any Privacy Notices;
4.
all disclosures and materials provided to you before
or when you opened your Account;
5.
any other documents and disclosures relating to your
Account, such as those provided during the application process at
the dealer and when you use your Account including those regarding
Promotional Credit Plans; and
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6.
any future changes we make to any of the above.
Please read all of these carefully and keep them for future reference.
SECTION 4.
ACCOUNT INFORMATION.
We need information about you to approve and manage your Account. This
includes the information requested on your application. You agree to tell us
when this information changes and respond to our requests for information
or additional documents to verify any information. Wemay restrict or close
your Account if we cannot verify your information, or if you do not provide
it as requested.
SECTION 5.
USE AND SHARING OF INFORMATION ABOUT YOU.
When you applied for an Account, you gave us, Yamaha and our/their
affiliates information about yourself that we could share with each other.
Yamaha and its affiliates will use the information in connection with the
credit program and for things like creating and updating its records and
offering you special benefits. More information about how we use and share
information is set forth in the Privacy Notices for your Account which you
receive with your application package.
SECTION 6. CREDIT LIMITS
When you open your Account, we will tell you your credit limit.
This will also appear on your Statement. We may also refer to your credit
limit as your credit line.
You are responsible for keeping track of your balance and your
available credit. You must manage your Account to remain below your
credit limit. We may honor transactions above your credit limit, but if we do
these transactions will not increase your credit limit. You are responsible for
paying for any transaction you make above your credit limit.
We may also increase, decrease, restrict or cancel your credit limit
at any time in accordance with applicable law. This will not affect your
obligation to pay us.
SECTION 7.
USING YOUR ACCOUNT
1.
This Agreement applies whether or not you use your Card or
Account. It will continue to apply even after your Account is closed,
as long as you have a balance.
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2.
You must sign the Card immediately when you receive it.
3.
You must return the Card to us or destroy it if we ask you to.
4.
You must take reasonable steps to prevent the unauthorized
use of your Card and Account.
5.
We may decline to authorize a transaction for any reason.
This may occur even if the transaction would not cause you to go over
your credit limit or your Account is not in default.
6.
We are not responsible for any losses you incur if we do not
authorize a transaction.
7.
We are not responsible for any losses you incur if anyone
refuses to accept your Card for any reason.
8.
You must not use, or try to use, the Card for any illegal ac-
tivity. You are responsible for any charges if you do.
9.
We are not liable for any losses that may result when our
services are unavailable due to reasons beyond our control.
SECTION 8.
PROMOTIONAL CREDIT PLANS.
From time to time, we may offer one or more Promotional Credit
Plans for certain transactions prior to or at the time of your purchase. The
terms of this Agreement apply to Promotional Credit Plans. However, the
terms of the promotional offer and the special Promotional Credit Plan may
be different from the standard terms of your Account and will be explained
in other materials and disclosures provided to you at the time you make your
purchase. In general, Interest Charges for Promotional Credit Plans begin to
accrue from the date of the promotional purchase until paid in full, and there
is no grace period to avoid Interest Charges on Promotional Credit Plans.
You accept the promotional terms of those materials and disclosures when
you make the purchase. Only certain purchases may be eligible for
Promotional Credit Plans. The amount of your credit limit available for
Promotional Credit Plans may be limited. Offers are subject to credit
approval. These plans may have special interest terms, special repayment
terms (including minimum payments) and a limited or specified promotion
period when the special promotional terms apply. Unless otherwise specified
with respect to a Promotional Credit Plan, upon termination or expiration
of the promotion period your Promotional Credit Plan terms will end and
all Regular Credit Plan terms will apply. Regular purchases that are not
subject to Promotional Credit Plan terms are part of your Regular Credit
Plan. Special Promotional Credit Plans are not available at all times for all
purchases. Please see any special promotional materials or disclosures for
additional terms that will apply to the promotion offered.
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SECTION 9.
SECURITY INTEREST.
As security for the payment of your Account balance, you grant us
a purchase money security interest ("Security Interest") in the following
items financed using your Account:
1.
any goods you buy using your Account; and
2.
all insurance contracts and proceeds, returned
premiums, mechanical failure and extended service contracts, and
refunds of charges for mechanical failure and extended service contracts.
Each good you buy using your Account:
1.
secures your entire Account balance and any other
amounts owed under this Agreement; and
2.
may be taken from you if you do not pay on time or
are otherwise in default as described in the "Account Default"
section of this Agreement.
To decide when a good is paid in full and no longer subject to a
Security Interest, your payments will be applied as described in the "How
We Apply Your Payments" section of this Agreement. Once you have fully
paid for any good, we will release our Security Interest in that good.
If we take or attempt to take possession of any good, we may charge
you our costs and may require you to make the good available at a
convenient place of our choice as allowed by law. Our costs may be related to:
1.
attempting to or repossessing the good;
2.
repairing the good;
3.
storing the good;
4.
selling the good; or
5.
any other costs allowed by law.
SECTION 10. JOINT ACCOUNTS.
If this is a joint account, each of you is responsible individually and
together for all amounts owed. Each of you is responsible even if the
Account is used by only one of you. You will continue to be liable for the
entire balance of the Account, even if your joint accountholder is ordered by
a court to pay us. Your Account status will be reported to the credit bureau
under each of your names. We will send a Statement to a single name and
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address. The delivery of notices or Statements to either of you serves as
delivery to each of you. We may rely on instructions given by either of you.
We are not liable to either of you for relying upon such instructions.
SECTION 11. AUTHORIZED USERS.
If you ask us to issue a Card to any person other than a joint account
holder, they are an Authorized User. We may require certain information about
them and you should let them know that you are sharing their information with
us. We may limit their ability to use your Card. They may have access to
certain information about your Account. You will be responsible for their use
of the Account and anyone else they allow to use your Account, even if you
did not want, or agree to, that use. We may report information about your
Authorized User(s) to consumer reporting agencies. See the "Credit Reports"
section of this Agreement.
SECTION 12. REMOVING AN AUTHORIZED USER.
If you want to remove an Authorized User from your Account, you
must contact Customer Service at 1-877-327-7310 and request their removal.
You also must immediately destroy all Cards in their possession and cancel
any arrangements they may have set up on your Account. They will be able
to use your Account until you have notified us that you are removing them
from your Account. During this time, you will still be responsible for all
amounts they charge to your Account. You will be responsibleeven if these
amounts do not appear on your Account until later.
SECTION 13. YOU PROMISE TO PAY.
You promise to pay us all amounts due on your Account. This
includes amounts where you did not sign a purchase slip or other documents
for the transaction. We will treat transactions made without presenting your
Card (such as for mail, telephone, Internet, or mobile device purchases) the
same as if you used the Card in person. If you let someone else use your
Card or Account, you are responsible for all transactions that person makes.
SECTION 14. STATEMENTS.
We will send or make available to you one Statement for your
Account at the end of each Billing Cycle. You must notify us at P.O. Box
84240, Sioux Falls, SD 57118 or 1-877-327-7310 of a change in your address.
Under certain circumstances, the law may not require us to send or make
available to you a Statement, or may prohibit us from doing SO. In such
circumstances, we may continue to add interest and fees as permitted by law.
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SECTION 15. DISPUTED TRANSACTIONS.
You should inspect each Statement you receive and tell us about any
errors or questions you have, as described in the "Billing Rights Summary"
on your Statement and in this Agreement.
If we credit your Account for all or part of a disputed transaction,
you give us all of your rights against others regarding that transaction. You
will also:
1. give us any information about the disputed transaction, if we ask;
2.
not pursue (or cease your current pursuit of) any claim or
reimbursement of the transaction amount from the merchant or any
other person; and
3. help us get reimbursement from others.
SECTION 16. NO WARRANTIES.
We are not responsible for any claim you may have regarding the
purchase of goods or services made with your Card beyond your rights
described in the "Billing Rights Summary" on your Statement and in this
Agreement.
SECTION 17. LOST OR STOLEN CARD.
If your Card is lost or stolen or if you think someone else may be
using your Card or Account without your permission, you must contact us at
1-877-327-7310 immediately. You will not be responsible for transactions
on your Account that we find are unauthorized.
If we reimburse you for unauthorized transactions, you will help us
investigate, pursue and get reimbursement from the wrongdoer. Your help
includes giving us documents in a form that we request.
SECTION 18. INTEREST CHARGES.
We use a method called Average Daily Balance (excluding new
Regular Credit Plan purchases) to calculate the Interest Charges.
1. First, for each day in the Billing Cycle for each Credit Plan, we take the
beginning balance (excluding any accrued Interest Charges not posted
to the Account), add any new charges and Fees and subtract any
payments and credits for each Credit Plan as described in the "How We
Apply Your Payments" Section of this Agreement. The result is the
daily balance for each Credit Plan.
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2. Next, for each Credit Plan, we add the daily balances together and
divide the sum by the number of days in the Billing Cycle. The result
is the Average Daily Balance for each Credit Plan.
3. At the end of each Billing Cycle, we multiply your Average Daily
Balance for each Credit Plan by the daily periodic rate for that Credit
Plan, and then we multiply the result by the number of days in the Billing
Cycle.
4.
We add the Interest Charges for all Credit Plans together. The result is
your total Interest Charge for the Billing Cycle.
For purposes of the above calculations, accrued Interest Charges are
added (posted) to the daily balance of each Credit Plan on the last day of the
Billing Cycle. Fees are added to the Regular Credit Plan as part of the daily
balance on the day they are posted to the Account. A Late Payment Fee is
treated as a new Regular Credit Plan purchase in the Billing Cycle it is
assessed. For Regular Credit Plan purchases, new purchases become part of
the Account balance on the transaction date, but when we calculate daily
balances for the purpose of computing Interest Charges, we do not add any
new purchases made during the Billing Cycle until the first day of the new
Billing Cycle following the date of the purchase. Due to rounding or a min-
imum Interest Charge, this calculation may vary slightly from the Interest
Charge actually assessed.
The daily periodic rate that is used to determine your Interest Charges
for each Credit Plan is 1/365th of your Annual Percentage Rate (APR) for
each such Credit Plan.
We will charge the Interest Charges and Fees to your Account as
disclosed in your Important Disclosure Insert, promotional material for
Promotional Credit Plans and your Statement. If you paid your Regular
Credit Plan balance in full and you made the Minimum Payment due on
your Promotional Credit Plans by the due date on your prior Statement, then
(1) if you again pay your Regular Credit Plan balance in full and you make
the Minimum Payment due on your Promotional Credit Plans by the due
date on your current Statement, we will not charge you any new Interest
Charges on new purchases made under your Regular Credit Plan during the
current Billing Cycle, and (2) if you pay at least your Mini- mum Payment
due for the current Billing Cycle but less than the amount described in
clause (1), we will treat your payment as if it was made on the first day of
the current Billing Cycle when we calculate your Interest Charges on new
purchases made under your Regular Credit Plan.
In general, unless otherwise indicated in promotional terms, Inter-
est Charges for Promotional Credit Plan purchases begin to accrue from
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the date of the purchase until paid in full, and there is no grace period to
avoid Interest Charges on Promotional Credit Plans.
We may increase your Interest Charges and Fees as described in the
"Changes to Your Agreement" section of this Agreement.
If we charge you interest, the charge will be no less than $2 and will
be allocated among all Credit Plan balances that accrue interest at our
discretion.
SECTION 19. LATE PAYMENT FEE.
We may charge you this Fee if we do not receive at least your Min-
imum Payment as instructed on your Statement by the payment due date.
Late Payment Fee
- if another payment
Late Payment Fee
is late during the
Outstanding Balance on
- first time your
6 Billing Cycles after
Payment Due Date
payment is late.
any late payment.
Up to and including $100
$15
$15
More than $100.00
$27
$38
SECTION 20. INTEREST CHARGES.
We may charge you a Fee of up to $27 when your financial
institution rejects a payment you make to us for any reason. We will only
charge you one Returned Payment Fee, even if we submit that payment
more than once to your financial institution for payment.
SECTION 21. MINIMUM PAYMENT.
You must pay at least the Minimum Payment due by the payment
due date each month. The Minimum Payment for your Account includes the
minimum payment on each Credit Plan, including any Promotional Credit
Plan with a special minimum payment calculation and your Regular Credit Plan.
To determine the total Minimum Payment due, we add together the
following: a) your Regular Credit Plan Minimum Payment, which is equal
to the greater of (i) $25 or (ii) 1% of the total of your Regular Credit Plan
purchases balance plus any billed Interest Charges; and b) the Minimum
Payment for each Promotional Credit Plan purchase balance using the pre-
viously disclosed special repayment terms provided to you when you made
your purchase (if applicable), rounded to the next highest dollar, and c) late
payment fees and other fees and charges, and d) any past due amount for
any Credit Plan. We then round this total to the next highest dollar.
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Your Statement will tell you:
1. the Minimum Payment due,
2. your new balance,
3. the payment due date, and
4. an explanation of when the payment must reach us for us to
consider it received as of that date.
Returns and other credits to your Account will reduce your Account
balance, but they will not change your Minimum Payment amount.
If your Account is 120 days past due, is part of a bankruptcy
proceeding, or is otherwise charged off, the total balance is immediately due
and payable.
SECTION 22. MAKING PAYMENTS.
Your payment must be made in U.S. dollars from a U.S. deposit
account in a form acceptable to us. We do not accept any payments at dealer
locations or cash payments.
You may not make payments with funds from your Account or any
other credit account with us. You must send mailed payments to us as
instructed on your Statement, unless we tell you otherwise.
You must mail all payment items (such as checks) ("Item(s)")
bearing restrictive words, conditions, limitations, or special instructions to:
P.O. Box 84240, Sioux Falls, SD 57118. This includes Items marked "Paid
in Full" or similar language. This also includes all accompanying
communications. If you make such a payment or send any accompanying
communications to any other address, we may reject it and return it to you.
We may also accept it and process it without losing any of our rights.
SECTION 23. OTHER PAYMENT SERVICES.
We may make services available that allow you to make faster or
recurring payments online or by telephone. We will describe the terms for
using these services and any applicable Fee before you use them. You do
not have to use these other payment services.
We are not responsible if your financial institution rejects a payment
made using our payment services.
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If you ask someone else to make a payment for you, we may provide
that person with limited Account information necessary to set up and
process that payment. We may also refuse to accept that payment. If we do
accept it, you will be responsible for that payment even if a financial
institution rejects it.
SECTION 24.
PAYMENT PROCESSING.
We may accept and process payments without losing any of our
rights. We may delay the availability of credit until we confirm that your
payment has cleared. This may happen even if we credit your payment to
your Account. We may resubmit and collect returned payments
electronically. If necessary, we may adjust your Account to correct errors,
process returned and reversed payments, and handle similar issues.
When you send us an Item as payment, you authorize us to make a
onetime electronic funds transfer from your deposit account. We may
withdraw the funds from your deposit account as early as the same day we
receive your payment. You will not receive your Item back from your bank.
We will provide additional information about this process on your
Statement.
We may use the information from an Item to create an electronic
image. We may collect and return the image electronically. This electronic
image may also be converted to a substitute check and may be processed in
the same way we would process an Item. We are not responsible if an Item
you provide has physical features that, when imaged, result in it not being
processed as you intended.
SECTION 25.
HOW WE APPLY YOUR PAYMENTS.
In each Billing Cycle, we generally apply payments up to your
Minimum Payment amount to satisfy the Minimum Payment due on each
Credit Plan, first to the highest APR Credit Plan balance and then to Credit
Plan balances with lower APRs. We apply any part of your payment
exceeding your Minimum Payment amount to the Credit Plan balance with
the highest APR, and then to Credit Plan balances with lowerAPRs. We do
this based on the APRs in effect and balances owed on the day your preceding
Billing Cycle ended. If more than one Credit Plan balance has the same APR,
we will apply the payment to the oldest Credit Plan balance first.
SECTION 26.
CREDIT BALANCES.
We may reject and return any payment that creates or adds to a
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credit balance on your Account. Any credit balance we allow will not be
available until we confirm that your payment has cleared. We may reduce
the amount of any credit balance by any new charges. You may write to the
address provided on your Statement or call us at 1-877-327-7310 to request
a refund of any available credit balance.
SECTION 27.
ACCOUNT DEFAULT.
You will be in default if:
1.
you do not make any payment when it is due;
2.
any payment you make is rejected, not paid or cannot
be processed;
3.
you file or become the subject of a bankruptcy or
insolvency proceeding;
4.
you are unable or unwilling to repay your
obligations, including upon death or legally declared incapacity;
5.
we determine that you made a false, incomplete or
misleading statement to us, or you otherwise tried to defraud us; or
6.
you do not comply with any term of this Agreement
or any other agreement with us.
If you are in default, we may take certain actions with respect to
your Account. For example, depending on the default, we may take the
following actions, without notifying you, unless the law says that we must
give you notice:
1.
charge you Fees, as permitted under the Agreement;
2.
if SO disclosed under a Promotional Credit Plan,
terminate the special promotional terms and apply the terms that
apply to Regular Credit Plan purchases including changes to your
APR and Minimum Payments;
3.
close or suspend your Account;
4.
lower your credit limit(s);
5.
demand that you immediately pay the total balance
owing on your Account including all promotional balances;
6.
exercise our rights as a secured party, including
taking possession of any goods which remain subject to our Security
Interest (as provided in the "Security Interest" section of this
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Agreement), when allowed by law;
7.
continue to charge you Interest Charges and Fees as
long as your balance remains outstanding; and/or
8.
file a lawsuit against you or pursue another action that
is not prohibited by law. If we file a lawsuit, you agree to pay our
court costs, expenses and attorney fees, unless the law does not
allow us to collect these amounts.
SECTION 28.
COMMUNICATIONS.
You agree that we may contact you at any phone number, email
address or mailing address you provide to us, including mobile devices. You
agree that from time to time we may monitor and record telephone calls made
or received by us or our agents regarding your Account to assure the quality
of our service. In order for us to service the Account or to collect any
amounts you may owe, and subject to applicable law, you agree that we may
from time to time make calls and send text messages to you using
prerecorded/artificial voice messages or through the use of an automatic
dialing device at any telephone number you provide to us in connection with
your Account at any time, including a mobile telephone number that could
result in charges to you.
SECTION 29.
CREDIT REPORTS.
We may report information about your Account, including about you
and any Authorized Users, to credit bureaus and others. Late payments,
missed payments, or other defaults on your Account may be reflected in
your credit report. Information we provide may appear on your credit report.
If you believe that we have reported inaccurate information about
your Account to a credit bureau or other consumer reporting agency, notify
us in writing at P.O. Box 84240, Sioux Falls, SD 57118. When you write,
tell us the specific information that you believe is incorrect and why you
believe it is incorrect. We will research the issue and let you know if we
agree or disagree with you. If we agree, we will contact each consumer
reporting agency we reported to and request a correction.
We may obtain and use credit, income and other information about
you from credit bureaus and others as the law allows.
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SECTION 30.
CLOSING OR SUSPENDING YOUR ACCOUNT.
You may contact us at 1-877-327-7310 to ask us to close your Account.
We may close or suspend your Account at any time and for any
reason permitted by law, even if you are not in default.
If your Account is closed or suspended by either you or us for any
reason, you must stop using your Card. If we close or permanently suspend
your Account, you must return or destroy all Cards. You must still pay us all
amounts you owe on the Account, including any amounts that post to your
Account after it is closed or suspended.
SECTION 31.
CHANGES TO YOUR AGREEMENT.
At any time, we may add, delete or change any term of this
Agreement, unless the law prohibits us from doing SO. We will give you
notice of any changes as required by law. We may notify you of changes on
your Statement or in a separate notice. Our notice will tell you when and
how the changes will take effect. The notice will describe any rights you
have in connection with the changes. If we increase your APR for any
reason, or if we change your Fees or other terms of your Account, we will
notify you as required by law.
SECTION 32.
THE LAW THAT APPLIES TO YOUR AGREEMENT.
We make decisions to grant credit and issue you a Card from our
offices in Utah. This Agreement is governed by applicable federal law and
by Utah law. If any part of this Agreement is unenforceable, the remaining
parts will remain in effect.
SECTION 33. WAIVER.
We will not lose any of our rights if we delay or choose not to take
any action for any reason. We may waive our right without notifying you.
For example, we may waive your Interest Charges or Fees without notifying
you and without losing our right to charge them in the future.
SECTION 34.
ASSIGNMENT.
This Agreement will be binding on, and benefit, any of your and our
successors and assigns. You may not sell, assign or transfer your Account
or this Agreement to someone else without our written permission.
13
We may sell, assign or transfer your Account and this Agreement
including the receivables associated therewith and any of the rights and
benefits of this Agreement without your permission and without prior notice
to you. Any assignee or assignees will take our place under this Agreement.
You must pay them and perform all of your obligations to them and not us.
If you pay us after we notify you that we have transferred your Account or
this Agreement, we can return the payment to you, forward the payment to
the assignee, or handle it in another way that is reasonable.
We may also engage agents, authorized representatives, and other
service providers, all of which may act for us under this Agreement and rely
on the rights given to us under this Agreement.
SECTION 35.
GLOSSARY.
"Account" means your Yamaha Credit Card Account with
WebBank.
"Annual Percentage Rate" means your interest rate stated as a
yearly rate.
"Billing Cycle" means the period of time reflected on a Statement.
This period may vary in length, but is approximately 30 days. You will have
a Billing Cycle even if a Statement is not required. We will often specify a
Billing Cycle by the month in which its closing date occurs. For example, a
"March Billing Cycle" will have a closing date in March. We may also refer
to a Billing Cycle as a "Billing Period." If your Account balance has charged
off, we may switch to quarterly Billing Cycles for your Account.
"Card" means any WebBank credit card associated with your
Account. This includes all renewals and substitutions. It also means any
other access device for your Account we give you that allows you to obtain
credit, including any Account number.
"Credit Plans" mean the Promotional Credit Plans we offer from
time to time and the Regular Credit Plan that applies to your purchases. The
sum of your Credit Plan balances equals your total Account balance.
"Fees" mean charges imposed on your Account not based on the
Annual Percentage Rates.
"Interest Charges" mean any charges to your Account based on the
application of Annual Percentage Rates.
"Item" means a check, draft, money order or other negotiable
14
instrument you use to pay your Account. This includes any image of these
instruments.
"Minimum Payment" is the total of the minimum payments required
for each Credit Plan and at least this amount must be paid by the payment
due date indicated on your Statement.
"Promotional Credit Plans" are different parts of your Account we
may establish for purchases that are subject to special interest rates (APRs),
pricing, repayment or other terms.
"Regular Credit Plan" means the interest rate (APR), pricing,
repayment terms and other terms included in this Agreement for purchases
that are not made under Promotional Credit Plans.
"Statement" means a document showing important Account
information, including all transactions billed to your Account during a
Billing Cycle and information about what you must pay. We may also refer
to your Statement as a "Periodic Statement" or a "Billing Statement."
SECTION 36.
ARBITRATION.
RESOLUTION OF DISPUTES: THIS ARBITRATION PROVISION
LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN
YOU AND US AND OTHERS. YOU HAVE THE RIGHT TO REJECT
THIS PROVISION AS PROVIDED IN PARAGRAPH (b) BELOW.
a
Either you or we may, at your or our sole election, require
that the sole and exclusive forum and remedy for resolution of a Claim
be final and binding arbitration pursuant to this section (the "Arbitration
Provision"), unless you opt out as provided in section (b) below. Yamaha
(including its affiliates and dealers), or any subsequent holder of this
Agreement or any interest in your Account or any subsequent purchaser,
holder or assignee of any receivables arising under your Account (collectively,
"subsequent holder"), may also elect arbitration of any Claim as provided in
this Arbitration Provision. As used in this Arbitration Provision, "Claim" shall
include any past, present, or future claim, dispute, or controversy involving you
(or persons claiming through or connected with you), on the one hand, and us
and/or Yamaha and/or any subsequent holder (or persons claiming through or
connected with us and/or Yamaha and/or the subsequent holders), on the other
hand, relating to or arising out of your application for and origination of this
Account, this Agreement, your Account, or the relationship between you and
us, including (except to the extent provided otherwise in the last sentence of
15
section (f) below) the validity or enforceability of this Arbitration Provision,
any part thereof, or the entire Agreement. Claims are subject to arbitration
regardless of whether they arise from contract; tort (intentional or otherwise); a
constitution, statute, common law, or principles of equity; or otherwise. Claims
include matters arising as initial claims, counter-claims, cross-claims, third-
party claims, or otherwise. The scope of this Arbitration Provision is to be given
the broadest possible interpretation that isenforceable.
b.
You may opt out of this Arbitration Provision for all purposes
by sending an arbitration opt out notice to P.O. Box 84240, Sioux Falls, SD
57118, which is received at the specified address within 30 days of the date
that you applied for an Account. The opt out notice must clearly state that
you are rejecting arbitration; identify the Account to which it applies by
date; provide your name, address, and social security number; and be signed
by you. You may send an opt out notice in any manner you see fit as long
as it is received at the specified address within the specified time. No other
methods can be used to opt out of this Arbitration Provision. If the opt out
notice is sent on your behalf by a third party, such third party must include
evidence of his or her authority to submit the opt out notice on your behalf.
C.
The party initiating arbitration shall do SO with the American
Arbitration Association (the "AAA") or Judicial Alternatives and Mediation
Services ("JAMS"). The arbitration shall be conducted according to, and the
location of the arbitration shall be determined in accordance with, the rules
and policies of the administrator selected, except to the extent the rules
conflict with this Arbitration Provision or any applicable law. If you have any
questions concerning the AAA or would like to obtain a copy of the AAA
arbitration rules, you may call 1 (800) 778-7879 or visit the AAA's web site
at: www.adr.org. If you have any questions concerning JAMS or would like
to obtain a copy of the JAMS arbitration rules, you may call 1 (800) 352-5267
or visit their web site at: www.jamsadr.com. In the case of a conflict between
the rules and policies of the administrator and this Arbitration Provision, this
Arbitration Provision shall control, subject to applicable law, unless all parties
to the arbitration consent to have the rules and policies of the administrator
apply. In the event that neither of the above named administrators is available,
the party requesting arbitration may choose an alternative arbitrator or arbitration
provider.
d
If we (or Yamaha or any subsequent holder) elect arbitration,
we (or Yamaha or the subsequent holder, as the case may be) shall pay all the
administrator's filing costs and administrative fees (other than hearing fees).
If you elect arbitration, filing costs and administrative fees (other than hearing
fees) shall be paid in accordance with the rules of the administrator selected,
or in accordance with applicable law if contrary to the administrator's rules.
16
We (or Yamaha or the subsequent holder, as the case may be) shall pay the
administrator's hearing fees for one full day of arbitration hearings. Fees for
hearings that exceed one day will be paid by the party requesting the hearing,
unless the administrator's rules or applicable law require otherwise, or you
request that we (or Yamaha or the subsequent holder) pay them and we agree
(or Yamaha or the subsequent holder agrees) to do SO. Each party shall bear
the expense of its own attorneys' fees, except as otherwise provided by
applicable law. If a statute gives you the right to recover any of these fees,
these statutory rights shall apply in the arbitration notwithstanding anything
to the contrary herein.
e
Within 30 days of a final award by the arbitrator, any party may
appeal the award for reconsideration by a three-arbitrator panel selected
according to the rules of the arbitration administrator. In the event of such
an appeal, any opposing party may cross-appeal within 30 days afternotice
of the appeal. The panel will reconsider de novo all aspects of the initial
award that are appealed. Costs and conduct of any appeal shall be governed
by this Arbitration Provision and the administrator's rules, in the same way
as the initial arbitration proceeding. Any award by the individual arbitrator
that is not subject to appeal, and any panel award on appeal, shall be final
and binding, except for any appeal right under the Federal Arbitration Act
("FAA"), and may be entered as a judgment in any court of competent
jurisdiction.
f.
We (and Yamaha and any subsequent holder) agree not to invoke
our right to arbitrate an individual Claim you may bring in Small Claims Court
or an equivalent court, if any, SO long as the Claim is pending only in that court.
We (or Yamaha or any subsequent holder) will not initiate an arbitration
proceeding to collect a debt from you unless you assert a Claim against us
(or Yamaha or any subsequent holder). You may seek arbitration in a
proceeding to collect a debt. We (or Yamaha or any subsequent holder) may
seek arbitration in a proceeding to collect a debt if you assert a Claim against
us (or Yamaha or any subsequent holder). NO ARBITRATION SHALL
PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS
(INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF
OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT
OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR
COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS,
REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Unless
consented to in writing by all parties to the arbitration, no party to the
arbitration may join, consolidate, or otherwise bring claims for or on behalf of
two or more individuals or unrelated corporate entities in the same arbitration
unless those persons are parties to a single transaction. Unless consented to in
writing by all parties to the arbitration, an award in arbitration shall determine
17
the rights and obligations of the named parties only, and only with respect to
the claims in arbitration, and shall not (a) determine the rights, obligations, or
interests of anyone other than a named party, or resolve any Claim of anyone
other than a named party; nor (b) make an award for the benefit of, or
against, anyone other than a named party. No administrator or arbitrator
shall have the power or authority to waive, modify, or fail to enforce this
section (f), and any attempt to do so, whether by rule, policy, arbitration
decision or otherwise, shall be invalid and unenforceable. Any challenge to
the validity of this section (f) shall be determined exclusively by a court and
not by the administrator or any arbitrator.
g
This Arbitration Provision is made pursuant to a transaction
involving interstate commerce and shall be governed by and enforceable
under the FAA. The arbitrator will apply substantive law consistent with the
FAA and applicable statutes of limitations. The arbitrator may award damages
or other types of relief permitted by applicable substantive law, subject to the
limitations set forth in this Arbitration Provision. The arbitrator will not be
bound by judicial rules of procedure and evidence that would apply in a court.
The arbitrator shall take steps to reasonably protect confidential information.
h
This Arbitration Provision shall survive (i) suspension,
termination, revocation, closure, or amendments to this Agreement and the
relationship of the parties and/or Yamaha or a subsequent holder; (ii) the
bankruptcy or insolvency of any party or other person; and (iii) any transfer of
the Account or this Agreement, or any interest in, or receivables arising under,
the Account or this Agreement, to any other person or entity. If any portion of
this Arbitration Provision other than section (f) is deemed invalid or
unenforceable, the remaining portions of this Arbitration Provision shall
nevertheless remain valid and in force. If an arbitration is brought on a class,
representative, or collective basis, and the limitations on such proceedings
in section (f) are finally adjudicated pursuant to the last sentence of section
(f) to be unenforceable, then no arbitration shall be had. In no event shall
any such invalidation be deemed to authorize an arbitrator to determine
Claims or make awards beyond those authorized in this Arbitration
Provision.
THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT
TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR
JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS
ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION.
SUBJECT TO SECTION (b), THE PARTIES HEREBY KNOWINGLY
AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH
CLAIMS IN A COURT BEFORE A JUDGE OR JURY UPON ELECTION
OF ARBITRATION BY ANYPARTY.
18
SECTION 37.
YOUR BILLING RIGHTS.
This notice tells you about your rights and our responsibilities under
the Fair Credit Billing Act.
YOUR BILLING RIGHTS
Keep This Notice 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 to us as soon as possible at:
P.O. Box 84240, Sioux Falls, SD 57118.
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 or notify us electronically, 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 our receipt of your letter, we will
send you a written notice explaining either that we corrected the
19
error (to appear on your next statement) or the reasons we believe
the bill is correct.
While we investigate whether or not there has been an error, the following
are true:
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 until we send
you a notice about the outcome of our investigation, you are
responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
If we made a mistake: You will not have to pay the amount in
question, or any interest or other fees related to that amount.
If we do 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 must
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 all of the rules above, you do not have to pay the first
$50 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card
Purchases.
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not to pay the remaining amount
20
due on the purchase. To use this right, the following must be true:
1.
The purchase must have been made 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
is necessary if your purchase was based on an advertisement we
mailed to you, or if we own the company that sold you the goods or
services);
2.
You must have used your credit card for the purchase.
Purchases made with cash advances from an ATM or with a check
that accesses your credit card account do not qualify; and
3.
You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us in writing at: P.O. Box 84240, Sioux Falls, SD57118.
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not pay,
we may report you as delinquent.
21
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YAMAHA
FINANCIAL SERVICES
Rev. Feb. 2020
Yamaha Motor Finance Corporation, U.S.A.
FACTS
WHAT DOES YAMAHA MOTOR FINANCE CORPORATION, U.S.A. DO WITH YOUR
PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers
the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share,
and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have
with us. This information can include:
Social Security Number
and
Credit History / Scores
Account Balances
and
Transaction History
Payment History
and
Employment Information and Income
How?
All financial companies need to share customers' personal information to run their everyday business.
In the section below, we list the reasons financial companies can share their customers' personal
information; the reasons Yamaha Financial Services chooses to share; and whether you can limit this
sharing.
Reasons we can share your personal
Does Yamaha Financial
Can you limit
information
Services share?
this sharing?
Yes
No
For our everyday business purposes-
such as to process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or report to credit bureaus
Yes
No
For our marketing purposes-
to offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
No
For our affiliates' everyday business purposes-
information about your transactions and experiences
Yes
Yes
For our affiliates' everyday business purposes-
information about your creditworthiness
Yes
Yes
For our affiliates to market to you
Yes
Yes
For nonaffiliates to market to you
To limit our
Call 800-962-7926 - our menu will prompt you through your choice(s).
sharing
Please note: If you are a new customer, we can begin sharing your information (30) days from
the date we sent this notice. When you are no longer our customer, we continue to share your
information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?
Call 800-962-7926. You can also email your questions to privacy@yamahafinancialservices.com
YAMAHA
FINANCIAL SERVICES
Yamaha Motor Finance Corporation, U.S.A.
Page 2
Who we are
Who is providing this notice?
Yamaha Motor Finance Corporation, U.S.A.
What we do
How does Yamaha Financial Services
To protect your personal information from unauthorized access and use,
protect my personal information?
we use security measures that comply with federal law. These measures
include computer safeguards and secured files and buildings.
How does Yamaha Financial Services
We collect your personal information, for example, when you
collect my personal information?
Open an account
or
Apply for financing
Pay your bills
or
Apply for a loan
Use your credit or debit card
We also collect your personal information from others, such as
credit bureaus, affiliates or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
sharing for affiliates' everyday business purposes-
information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to
limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an
Your choices will apply to everyone on your account.
account I hold jointly with someone else?
Definitions
Affiliates
Companies related by common ownership or control. They can
be financial and nonfinancial companies.
Our affiliates include Yamaha Motor Co., Ltd., and Yamaha Motor
Corporation, U.S.A.
Nonaffiliates
Companies not related by common ownership or control. They
can be financial and nonfinancial companies.
Nonaffiliates we share with can include insurance companies,
service providers, co-branded partners, retailers, data processors,
and advertisers.
Joint marketing
A formal agreement between nonaffiliated financial companies
that together market financial products or services to you.
Our joint marketing partners include companies such as other
finance companies, banks, and insurance companies
Other important information
California and Vermont Residents: We will not share your information with companies outside of Yamaha Motor
Finance Corporation, U.S.A., except for our everyday business purposes, for marketing our products and services to you
or with your consent.
Vermont Residents only: We will not disclose credit information about you within or outside the Yamaha Motor Finance
Corporation, U.S.A. family of companies except as required or permitted by law.
Nevada Residents: Notice provided pursuant to state law. To be placed on our internal Do Not Call List, call 800 962
7926. If you would like more information about telemarketing practices, you may contact us at Yamaha Motor Finance
Corporation, U.S.A., Attn: Privacy Department, 6555 Katella Avenue, Cypress, California 90630-5101 or at
privacy@yamahafinancialservices.com. For more on this Nevada law, contact Bureau of Consumer Protection, Office of
the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 1-702-486-
3132; e-mail: BCPINFO@ag.state.nv.us.
Texas Residents: Yamaha Motor Finance Corporation, U.S.A. is licensed and examined under the laws of the State of
Texas and by state law is subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer
wishing to file a complaint against Yamaha Motor Finance Corporation, U.S.A. should contact the Office of Consumer
Credit Commissioner through one of the means indicated below: In Person or U.S. Mail: 2601 North Lamar Boulevard,
Austin, Texas 78705-4207. Telephone No.: (800) 538-1579. Fax No.: (512) 936-7610. E-mail:
consumer.complaints@occc.texas.gov. Website: www.occc.texas.gov.
Telephone Communications: All telephone communications with us or our authorized agents may be monitored or
recorded.
* Notice provided by: Yamaha Motor Finance Corporation, U.S.A.
Rev. Feb. 2020
WHAT DOE WebBank DO WITH YOUR PERSONAL INFORMATION IN
FACTS
CONNECTION WITH YOUR YAMAHA MOTOR FINANCE CORPORATION,
U.S.A ACCOUNT?
Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell
Why?
you how we collect, share and protect your personal information. Please read this notice
carefully to understand what we do.
The types of personal information we collect and share depend on the product or service
you have with us. This information can include:
Social Security number and transaction history
What?
payment history and account balances
credit history and credit scores
When you are no longer our customer, we continue to share your information as
described in this notice.
All financial companies need to share customers' personal information to run their
everyday business. In the section below, we list the reasons financial companies can share
How?
their customers' personal information; the reasons WebBank chooses to share; and
whether you can limit this sharing.
Reasons we can share your personal
Does WebBank
Can you limit this
information
share?
sharing?
For our everyday business purposes -
such as to process your transactions, maintain your
Yes
No
account(s), respond to court orders and legal
investigations, or report to credit bureaus
For our marketing purposes -
Yes
No
to offer our products and services to you
For joint marketing with other financial companies
No
We don't share
For our affiliates' everyday business purposes -
No
We don't share
information about your transactions and experiences
For our affiliates' everyday business purposes -
No
We don't share
information about your creditworthiness
For our affiliates to market to you
No
We don't share
For nonaffiliates to market to you
No
We don't share
Call toll-free 800-962-7926. You can also email your questions to
Questions?
privacy@yamahafinancialservices.com
Who we are
Who is providing this notice?
WebBank
What we do
To protect your personal information from unauthorized access and use, we use
How does WebBank
security measures that comply with federal law. These measures include computer
protect my personal
safeguards and secured files and buildings. We also maintain other physical,
information?
electronic and procedural safeguards to protect this information and we limit
access to information to those employees for whom access is appropriate.
We collect your personal information, for example, when you
open an account or apply for financing
How does WebBank
give us your contact information or give us your income information
collect my personal
pay your bills
information?
We also collect your personal information from others, such as credit bureaus or
other companies.
Federal law gives you the right to limit only
sharing for affiliates' everyday business purposes--information about your
creditworthiness
Why can't I limit all
affiliates from using your information to market to you
sharing?
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
See below for more on your rights under state law.
Definitions
Companies related by common ownership or control. They can be financial and
Affiliates
nonfinancial companies.
WebBank does not share with our affiliates.
Companies not related by common ownership or control. They can be financial and
Nonaffiliates
nonfinancial companies.
WebBank does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together
Joint marketing
market financial products or services to you.
WebBank does not jointly market.
Other important information
Special Notice For State Residents: We will also comply with more restrictive state laws to the extent that they
apply.
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YAMAHA
FINANCIAL SERVICES
IMPORTANT INFORMATION
ENCLOSED
Pricing Information
Customer Agreement
Privacy Notices
V 02/2020