United Prairie Cooperative Business Credit Application

Size: px
Start display at page:

Download "United Prairie Cooperative Business Credit Application"

Transcription

1 United Prairie Cooperative Business Credit Application Hello and thank you for your interest in opening a United Prairie Charge Account. We hope that you will find doing business with us a pleasure and we always do our best to accommodate your business needs. Here are just a few friendly reminders for filing out the business credit application: Please be sure to include at a minimum of 3 trade references and 1 bank reference; Please include a fax number or for each reference provided, including your bank reference; and Please make sure all pages of the application are filled out completely. Thank you again for your interest and we look forward to doing business with you. If you have any questions regarding our terms, policies, patronage or other issues, please feel free to call us at (701) Monday through Friday 8:00 am to 5:00 pm CST 1 P age

2 UNITED PRAIRIE COOPERATIVE 307 Main Street PO Box 340 New Town, ND Phone: (701) Fax (701) Website: Address: BUSINESS CREDIT APPLICATION AND AGREEMENT Please print or type Date: Business Name: Address: Business Phone ( ) Fax ( ) Business Website: Name of Authorized Representative: Title: Representative's Home Address: Representative's Phone ( ) Federal l.d. No. State sales tax to be collected: Yes: No: If no, list State Sales Tax Resale Certificate No.: Dunn and Bradstreet No.: Billing/ Address (if different): Shipping Address (if different): Statements: Mail Management Company (if apartments): 2 P age

3 Company Information What types of Services and Products do you provide? Are purchase order numbers required on all invoices? Yes: No: Accounts Payable contact/ Phone ( ) What Products or Services and monthly dollar amount are you planning to purchase from United Prairie Cooperative? Date your business was established: How long at current business address: If less than I year, please give previous business address and previous business name, if applicable: Is your business (please check one): Sole Proprietorship: Partnership: LLC: Corporation: If LLC or corporation, date of organization/incorporation: State: If sole proprietor: Name Home Address Phone Social Security No. If partnership, LLC or corporation, list partners/members/officers: Name Title Home Address/Phone S.S. No If Division/Subsidiary, name of parent company: Parent company's business address: Date parent company was established: Name of company principal responsible for business transactions: Business's Annual Revenue: Number of Employees: 3 Page

4 References Trade References: Name Address/Phone Fax Number Address Account No Bank References: List information for principle bank 1. Name of Bank Address Phone Number Account No. Account Officer 2. Name of Bank Address Phone Number Account No. Account Officer 4 P age

5 CREDIT POLICY (AS ADOPTED BY THE BOARD OF DIRECTORS): UNITED PRAIRIE COOPERATIVE CREDIT POLICY 1. Credit will be allowed to those accounts who have a good prior credit record with this Company and to new accounts with an approved credit application. 2. The dollar amount of credit given to any individual or company will be determined by management. All credit decisions are FINAL. 3. When applying for a business credit account, all applications require either a letter of credit or earnest money/down payment. The amount required for the letter of credit or earnest money/down payment will be based on the amount of credit requested and approved. The only exception to this condition will be at the sole discretion of management and if sole discretion is so exercised, will require a personal guaranty from the applicant, in lieu of a letter of credit or earnest money/down payment. 4. The closing date of the billing cycle will be after the last day's business each month. Statements will be sent. 5. All accounts MUST BE PAID IN FULL by the 15th of each month following purchases. EXAMPLE: Your credit limited is $ you make purchase of $42.50 during the month ofjanuary. It does not matter if the purchase was on the 2nd or the 31st of the month, the TOTAL MUST BE PAID IN FULL on or before the 15th of February. We would appreciate the payment sooner, if possible. 6. A monthly finance charge of 1.75% (21% ANNUAL PERCENTAGE RATE) will be imposed on all delinquent accounts. Minimum service charge is $10.00 per month. 7. A CASHDISCOUNT may be applied on bulk fuels/gasolineor propane ifpaymentis received in ourofficewithin ten (10) days of delivery or pick up. You do not receive cash discount if you have an outstanding local charge that is sixty (60) days old or older; and you will not receive cash discount ifyou do not pay for delivery of bulk fuels/gasoline or propane within ten (10) days of pickup or delivery. (a) The cash discount given to any individual or company using cash for payment will be determined by management. (b) Cash discount applies only when paid by cash, personal check with sufficient funds, certified check or money order within the time allowed, or electronic funds transfer. 8. Company WILL NOT be responsible for regular scheduled delivery agreements on accounts that are PAST DUE. 9. PAST DUE ACCOUNTS will be turned over to a Collection Agency or a Suppliers Lien will be filed, if applicable, at the discretion of the manager. The cost of filing will be billed directly against the account. 10. On any PAST DUE ACCOUNT, the Company is authorized to apply any accounts payables of the individual or company to the balance due on the PAST DUE ACCOUNT, 11. Anyone who has had a BAD BILL or had COLLECTION PROCEDURE used against him/her will not be eligible for CREDIT. 12. To the extent allowed by applicable law, Applicant may be required to grant to the Company a contractual possessory security interest in, and may be required to assign, convey, pledge and transfer to the Company all of the Applicant's right, and interest in and to any and all accounts with the Company (whether in the form of deposit, earnest money or some other account), including without limitation all accounts held jointly with someone else and all future accounts opened with the Company. Applicant authorizes the Company, to the extent permitted by applicable law, to charge and setoff all sums due and owing on any account with the Company. 13. As a charge for using this alternate payment channel, a Convenience Fee of 3% will be imposed on all CREDIT transactions and will be included as part of the total transaction 14. By accepting credit from UNITED PRAIRIE COOPERATIVE, you are hereby agreeing to all the terms and conditions contained within this Credit Policy. We recommend that you use your lending institution for your credit needs over thirty (30) days. Our rate for an account over thirty (30) days is 21%. 5 P age

6 AGREEMENT I am an authorized representative of the Applicant requesting credit per the attached Application (hereinafter Applicant ) and herein agree to the following terms and conditions: 1. I am an authorized person and hereby certify that the information contained herein is complete and accurate and I understand that this information has been furnished with the understanding that it is to be used to determine the amount and conditions of the credit to be extended. 2. If credit is granted, the Applicant shall promise to pay all bills when rendered. 3. If credit is granted, the Applicant hereby agrees to all the terms of conditions of United Prairie Cooperative's Credit Policy, incorporated herein by reference, as may be amended from time to time. 4. If any legal proceeding or collection action is taken with respect to any amount owed by Applicant, Applicant agrees to pay all expenses and costs, including attorney s fees, incurred by United Prairie Cooperative. 5. The Applicant shall not transfer or assign this agreement without the prior written consent of United Prairie Cooperative. 6. I give my permission, as an authorized representative of the Applicant, for United Prairie Cooperative to contact all companies and banks provided in the Credit Application to request that they release the Applicant s credit history to assist United Prairie Cooperative in determining whether and/or how much credit may be extended to the Applicant. As a condition to the extension of credit to Applicant, the Applicant must provide to United Prairie Cooperative either a letter of credit from a recognized lending institution or earnest money/down payment, which will be applied to the Applicant s account. The only exceptions made to this requirement will be at the sole discretion of management and instead of a letter of credit or earnest money/down payment, the principals of the Applicant will be required to provide a personal guaranty acceptable to United Prairie Cooperative. The amount required for the letter of credit or earnest money/down payment or personal guaranty will be based on the amount of credit that is requested and approved. Date: By: Its: CONTINUING PERSONAL GUARANTEE For the purpose of extending credit for the firm applying for credit listed above, the undersigned hereby absolutely and unconditionally guarantees, on a continuing basis, payment of all present and future indebtedness. This personal guarantee shall remain in effect until terminated by the undersigned by written notice to United Prairie Cooperative, in which event said guarantee shall still be applicable to any indebtedness of the firm listed above incurred prior to the date such notice is received by United Prairie Cooperative. Guarantor Date 6 P age

7 INDIVIDUAL CONSENT AND CERTIFICATION OF TAXPAYER I.D. NUMBER Name (as shown on Income Tax Return): Taxpayer ID No. (SSN or EIN): Billing Address: Phone: ( ) Date of Birth: I hereby consent to include in my gross income, as now or hereafter provided in the federal income tax laws, the stated dollar amount of each written notice of allocation which I receive from UNITED PRAIRIE COOPERATIVE, NEW TOWN, NORTH DAKOTA, with respect to my patronage occurring during the current and all subsequent taxable years of this cooperative. CERTIFICATION: Under penalties of perjury, I certify that (1) The number shown on this form is my correct taxpayer identification number (OR I AM WAITING FOR A NUMBER TO BE ISSUED TO ME), and (2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or ( c) the IRS has notified me that I am no longer subject to backup withholding. CERTIFICATION Instructions: You must cross out item (2) above, if you have been notified by the IRS that you are currently subject to backup withholding because of under- reporting interest or dividends on your tax return. However, if after begin notified by the IRS that you were subject to backup withholding, you received another notification from the IRS that you are no longer subject to backup withholding, do not cross out item (2). The Internal Revenue Service does not require your consent to any provision of this document, other than the certifications required to avoid backup withholding. Signature: Date: 7 P age

8 8 P age United Prairie Cooperative Cardholder Agreement Agreement made, between United Prairie Cooperative, a corporation organized and existing under the laws of North Dakota, with a place of business at 307 Main St, New Town, ND 58763, and, of. RECITALS A. United Prairie Cooperative (hereafter creditor ) operates the United Prairie Cooperative Credit Program (hereafter the Program ). B. In connection with the Program, creditor issues charge cards. A charge card will be issued to (hereafter patron or cardholder ) with a Personal Identification Number (PIN). The card remains the property of creditor. C. The dollar amount of credit given to any individual or company will be determined by management. All credit decisions are final. In consideration of the matters described above, and of the mutual benefits and obligations set forth in this agreement, the parties agree as follows: DEFINITIONS A. Card refers to a charge card issued in connection with an account under this agreement. This agreement covers the use of each charge card, including all cards with the same account number, issued to cardholder by creditor. B. "Account" means a United Prairie Cooperative credit account opened under this agreement. C. "Cardholder" shall mean, with respect to any charge card, the person whose name is embossed on the face of such card. A cardholder includes any person who is named on the account, any person whose name is embossed on a card, and any person who signs the card receipt form. The cardholder and all persons who use a card agree to be bound by this agreement. D. "Authorized user" shall mean, with respect to any charge card, the person whose signature appears on the card receipt form. RESPONSIBILITY FOR CARD 1.1 On receipt of each card, a cardholder must sign his or her name on the card receipt form. A cardholder is responsible for the use of a card and for the use of a card by any person who is given a card by the cardholder to use or to retain, or who is allowed by a cardholder to possess a card. A cardholder, or any person using a card, must immediately notify creditor if a card is lost or stolen. A cardholder may at any time cancel an account by notifying creditor in writing and surrendering all cards issued with the same account number to creditor, but the cardholder will remain liable for all outstanding purchases and other charges.

9 CARD USE AND LIABILITY 2.1 Each cardholder and any person who is given a card by the cardholder to use or to retain or who is allowed to possess a card by the cardholder, shall be jointly and severally liable to creditor to pay for all purchases of goods and/or services; for all accrued finance charges; and for any court costs resulting from legal proceedings brought to enforce this agreement. 2.2 Creditor shall not be responsible for the refusal of any merchant, provider of services, bank, or automated transaction machine to honor any card. 2.3 An account is the property of creditor, and its privileges may be terminated by creditor, or the particular credit card program may be canceled at any time, for any reason. All cards must be surrendered immediately on demand by creditor or its agents. 2.4 On communication from creditor that the account will be terminated and/or a demand for surrender of all cards of an account, no further purchases or cash advances may be obtained, and use of an account, after notice of its termination, shall be a violation of law. On termination, the entire outstanding balance of the account must be paid in full. MONTHLY STATEMENTS 3.1 Whenever transactions, charges, payments, or credits are posted to an account, creditor shall send a single monthly statement for the account at the end of the billing period to the cardholder whose name appears on the account on behalf of all cardholders and persons using or retaining a card with the same account number. A billing period is the number of days between the statement closing date on the previous statement and the statement closing date on the current statement. The statement shall contain all of the information required by law. The statement shall show, among other items, the following: the date and amount of all purchases and cash advances during the billing period; the previous balance from the last statement; all payments and credits made during the billing period; finance charges accrued; and the total new balance at the end of the billing period. PAYMENT 4.1 The minimum monthly service charge is $ If the total amount for all purchases, cash advances, and finance charges is not paid by the payment due date (the 15 th of the month following purchases), there shall at least be paid each month the total minimum payment as shown on the statement which is 1.75% (21% ANNUAL PERCENTAGE RATE or the highest amount allowed by law) of the total new balance of the account. The entire outstanding balance of the account may be prepaid at any time, which would include finance charges to the date of prepayment. No penalty or other charge will be imposed because of prepayment. 4.2 Creditor will not be responsible for regular scheduled delivery agreements on accounts that are past due. Past due accounts will be turned over to a Collections Agency or a Supplier s Lien will be filed, if applicable, at the discretion of the manager. The cost of filing 9 P age

10 will be billed directly against the account. On any past due account, creditor is authorized to apply any accounts payables of the individual or company to the balance due on the past due account. FINANCE CHARGES 5.1 Purchases. To avoid finance charges on all purchases made during each billing period, full payment of an amount equal to or greater than the sum of: (1) the purchases new balance shown on the statement; and (2) unpaid finance charges on cash advances, if any, as of the statement date must be made by the 15 day of each month following purchases. If not so paid, finance charges will be incurred on the principal portion of the purchases new balance as of the statement closing date as disclosed on the statement, and finance charges will be incurred on new purchases posted to the account during the next billing cycle from the date they are posted to the account. Finance charges are computed on purchases in the following manner: a. Start with the unpaid previous balance for purchases at the beginning of the billing period. Unpaid finance charges on previous purchases are excluded. b. If there is an unpaid previous balance, new purchases made during the current billing period will be added in from the date they are posted to the account. c. Each day's available payments and credits, unpaid finance charges on purchases, and any annual fees, late charges, return checks, and over-limit charges will be subtracted from the purchases balance. From this, a daily balance is determined. d. The daily purchase balances for each day of the billing period are added together and the total is divided by the number of days in the billing period. This results in the average daily balance of purchases. 5.2 Finance charges on advances and purchases shall be computed separately at monthly periodic rates of 1.75% (21% ANNUAL PERCENTAGE RATE or the highest amount allowed by law). RETURN CHECK CHARGES 6.1 If any payment is made on an account by a check (not drawn by creditor), money order, or other item that is returned unpaid after being sent for collection, a return check charge of $35.00, or a higher amount if creditor incurs fees in excess of $35.00, will be added to the account. DEFAULT 7.1 Certain events will be considered an act of default in this agreement, and creditor will then have the right to demand immediate payment for the entire unpaid balance of an 10 P age

11 account. Creditor will have this right without having to give prior notice or warning. The events of default are: a. the cardholder's death, or a court declaration that cardholder is incompetent; b. filing of a bankruptcy or insolvency action by or against cardholder; c. attachment or garnishment of a cardholder's property by a court; d. breach of any provision of this agreement; e. exceeding the credit limit on the account; or f. creditor in good faith believes cardholder and/or all persons using a card are unable or unwilling to pay the amounts creditor is owed under this agreement. Creditor will not lose any of its rights to enforce this agreement because it delays taking action or because it takes alternative action for any reasons. CREDIT INFORMATION 8.1 Creditor shall have the right to furnish information about an account and its payment status to other persons lawfully entitled to receive such information. SECURITY INTEREST 9.1 Creditor agrees and affirms that a security interest may be retained or acquired under this agreement. Cardholder agrees that his or her continued use of the account constitutes cardholder's affirmative consent to granting creditor a security interest in any deposit account cardholder may have from time to time with creditor. AMENDMENTS 10.1 Creditor may amend this agreement at any time by giving the written notice required by law to the cardholder whose name appears on the account on behalf of all cardholders and persons using or retaining a card, by mailing a copy of such amendment to cardholder's last known address as shown on the records of creditor Cardholder may validly refuse to accept amendments using the following instructions: If cardholder does not wish to accept the specific changes indicated, cardholder must notify creditor in writing stating your non-acceptance. Include cardholder name, address, and account number and mail to: PO Box 340, New Town, ND Upon receipt of cardholder notification of non-acceptance, cardholder account will be closed to further activity and cardholder agrees to pay all amounts due as required at the existing pricing terms. If creditor has not received written notice by the due date or if cardholder uses the account after notice of the amendments, cardholder will have agreed to the new terms outlined. Amendments will apply to cardholder account and the entire outstanding balance on cardholder account. 11 P age

12 10.3 All such amendments shall become effective as stated in the written notice and as allowed by law. Creditor may at any time in the future amend the applicable finance charge and annual percentage rate based on appropriate notice. If an account is used after the effective date of any such amendment to make a new purchase or to obtain a new cash advance, the new finance charge and annual percentage rate will apply to any existing previous unpaid balance on such account, as well as to the new transaction. APPLICABLE LAW 11.1 This agreement shall be governed by the laws of North Dakota. If any provision of this agreement is determined to be unenforceable by a court, the remaining provisions will remain in effect. If any legal proceeding or collection action is taken with respect to any amount owed by cardholder, or other action against cardholder, cardholder agrees to pay all expenses and costs, including attorney s fees, incurred by United Prairie Cooperative or its agents and assigns. EXPLICATING TERMS 12.1 In construing this Agreement, neither party shall be considered the drafter. Cardholder acknowledges that cardholder was provided an opportunity to consult with legal counsel prior to signing this agreement. By accepting credit from United Prairie Cooperative, cardholder hereby agrees to all the terms and conditions contained within this agreement. X Authorized Representative United Prarie Corporation Date Printed Name of Representative X Cardholder... Printed Name of Cardholder 12 P age

13 Card Order Form Name/Company Name: Account Number with United Prairie: Number of cards you will need: Patronage Only Cards: Fuel Restrictions (Listed Below): 0= Anything 4= Clear and Dyed Diesel Only Driver ID(Pin Number Four Digits #) Card #1: Card #2 Card #3 Card #4 Card #5 Authorized by Company Personnel: Date: Employee: If you have any question, please contact the Main Office at 307 Main Street New Town ND P age

BUSINESS CREDIT APPLICATION AND AGREEMENT

BUSINESS CREDIT APPLICATION AND AGREEMENT BUSINESS CREDIT APPLICATION AND AGREEMENT Please print or type Date: Business name: Address: Street City State Zip Business phone: ( ) Fax ( ) Business Website: Name of Authorized RepresentaCves: Title

More information

For Administrative Use Only

For Administrative Use Only P. O. BOX 8 BISBEE, NORTH DAKOTA 58317-0008 (701) 656-3263 1-800-450-3263 FAX (701) 656-3371 For Administrative Use Only Date: / / Approved / Declined: (circle one) By: Account Number: # Credit Limit:

More information

Visa Credit Card Agreement

Visa Credit Card Agreement Visa Credit Card Agreement 1. INTRODUCTION. This VISA Credit Card Agreement (Agreement) and the Account Disclosures accompanying this Agreement will govern your Platinum VISA or Platinum VISA with Rewards

More information

BUSINESS CREDIT CARD AGREEMENT

BUSINESS CREDIT CARD AGREEMENT Thank you for your interest in CoVantage Credit Union s business credit card services. We offer two options for our business credit card users, although basic features of the card are available on either

More information

LGE Community Credit Union VISA COMMERCIAL CREDIT CARD AGREEMENT

LGE Community Credit Union VISA COMMERCIAL CREDIT CARD AGREEMENT LGE Community Credit Union VISA COMMERCIAL CREDIT CARD AGREEMENT 1.0 INTRODUCTION. This COMMERCIAL CREDIT CARD AGREEMENT (Agreement) sets forth the terms of your VISA Credit Card account (Account) with

More information

VISA CREDIT CARD APPLICATION AGREEMENT & TRUTH-IN-LENDING DISCLOSURE STATEMENT

VISA CREDIT CARD APPLICATION AGREEMENT & TRUTH-IN-LENDING DISCLOSURE STATEMENT VISA CREDIT CARD APPLICATION AGREEMENT & TRUTH-IN-LENDING DISCLOSURE STATEMENT In this agreement (called the "Agreement"), the words "we", "us" and "our" mean Zeal Credit Union and its successors and assignees.

More information

Visa Account Rates, Fees and Terms

Visa Account Rates, Fees and Terms Visa Account Rates, Fees and Terms INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers Visa Classic 8.9% to 17..9% Visa Platinum 8.4% to

More information

PLATINUM VISA, VISA GOLD REWARDS, SCHOOL REWARDS VISA AND/OR SECURED PLATINUM VISA AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT

PLATINUM VISA, VISA GOLD REWARDS, SCHOOL REWARDS VISA AND/OR SECURED PLATINUM VISA AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT AUG2014 PLATINUM VISA, VISA GOLD REWARDS, SCHOOL REWARDS VISA AND/OR SECURED PLATINUM VISA AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT Purchase Annual Percentage Rate (APR) Balance Transfer

More information

FAIRWINDS BUSINESS CASH VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURE

FAIRWINDS BUSINESS CASH VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURE FAIRWINDS BUSINESS CASH VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURE DEFINITIONS: Card means the FAIRWINDS Business Cash Credit Card(s), which we issue to you or on your behalf under this agreement,

More information

BBVA Compass VISA BUSINESS CARD MASTER AGREEMENT & SECURITY AGREEMENT

BBVA Compass VISA BUSINESS CARD MASTER AGREEMENT & SECURITY AGREEMENT BBVA Compass VISA BUSINESS CARD MASTER AGREEMENT & SECURITY AGREEMENT This Agreement should be read carefully and maintained in the Business records. This Visa Business Card Master Agreement (the "Agreement")

More information

VISA. Classic. Credit Card. Agreement and Disclosure Statement. Classic. Federally insured by NCUA

VISA. Classic. Credit Card. Agreement and Disclosure Statement. Classic. Federally insured by NCUA Classic The Partnership FCU MAILING ADDRESS For ALL correspondence, deposits & loan payments PO Box 18539 Washington DC 20036-8539 VISA Classic Credit Card Member Services & Loans Audio Response ADVANTAGE

More information

First Technology Federal Credit Union Visa Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement

First Technology Federal Credit Union Visa Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement In this ( Agreement and Disclosure Statement ) the words: I, me, my and mine mean any and all of those who apply for or use the Visa Platinum Credit Card. First Tech, you, your and yours mean. Card means

More information

TWINSTAR CREDIT UNION PO BOX 718 OLYMPIA WA 98507-0718 (360) 357-9911

TWINSTAR CREDIT UNION PO BOX 718 OLYMPIA WA 98507-0718 (360) 357-9911 TWINSTAR CREDIT UNION PO BOX 718 OLYMPIA WA 98507-0718 (360) 357-9911 TwinStar Credit Union Visa Business Credit and Check Card Agreement THIS IS YOUR AGREEMENT WITH THE CREDIT UNION; PLEASE READ CAREFULLY.

More information

First Technology Federal Credit Union Platinum VISA Card Agreement and Federal Truth-in-Lending Disclosure Statement Effective: June 1, 2012

First Technology Federal Credit Union Platinum VISA Card Agreement and Federal Truth-in-Lending Disclosure Statement Effective: June 1, 2012 In this Platinum Visa Card Agreement and Agreement and Disclosure Statement the words I, me, my and mine mean each and all of those who apply for or use the First Technology Federal Credit Union Platinum

More information

Credit Card Disclosure ACCOUNT OPENING TABLE

Credit Card Disclosure ACCOUNT OPENING TABLE Credit Card Disclosure VISA Account Opening Disclosure Effective April 1, 2014 See below for a summary of the rates, fees and other costs of this credit offer. The Card Agreement sent with the card will

More information

Interest Rates and Interest Charges. 9.9% This APR may change based upon your creditworthiness.

Interest Rates and Interest Charges. 9.9% This APR may change based upon your creditworthiness. Visa Platinum Rewards Credit Card Account Opening Disclosure Interest Rates and Interest Charges For Purchases, and Cash Advances For Balance Transfers 9.9% This APR may change based upon your creditworthiness.

More information

Dollar Bank Secured Credit Card - Variable Rate Line of Credit Agreement - Pricing Information

Dollar Bank Secured Credit Card - Variable Rate Line of Credit Agreement - Pricing Information Dollar Bank Secured Credit Card - Variable Rate Line of Credit Agreement - Pricing Information There are two parts to this Credit Card Agreement: Dollar Bank Pricing Information and the Dollar Bank Customer

More information

Security Service Federal Credit Union Power MasterCard Business Credit Card. These APRs will vary with the market based on Prime Rate.

Security Service Federal Credit Union Power MasterCard Business Credit Card. These APRs will vary with the market based on Prime Rate. Security Service Federal Credit Union Power MasterCard Business Credit Card Interest Rates and Interest Charges Purchase Annual 6.74% to 8.74% based on your creditworthiness. Percentage Rate (APR) These

More information

VISA VARIABLE RATE AND FIXED RATE CLASSIC AND GOLD CARDS AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT

VISA VARIABLE RATE AND FIXED RATE CLASSIC AND GOLD CARDS AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT VISA VARIABLE RATE AND FIXED RATE CLASSIC AND GOLD CARDS AGREEMENT In this Agreement and Disclosure Statement the words You, Your, and Yours mean each and all of those that apply for, sign or use the VISA

More information

CREDIT AGREEMENT/APPLICATION

CREDIT AGREEMENT/APPLICATION JSC Terminal, LLC, dba Midwest Terminal PO Box 959 / 725 N. 5 th Street Paducah, KY 42002-0959 Phone: (270) 442-0362 / Fax: (270) 444-6224 Legal Name of Business/Proprietor: Street Mailing Address (If

More information

EDUCATOR VISA CONSUMER CREDIT CARD AGREEMENT

EDUCATOR VISA CONSUMER CREDIT CARD AGREEMENT EDUCATOR VISA CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

Business Visa Credit Card Agreement

Business Visa Credit Card Agreement Business Visa Credit Card Agreement ONPOINT COMMUNITY CREDIT UNION BUSINESS VISA CREDIT CARD AGREEMENT 1. INTRODUCTION. This Agreement covers your Business Platinum VISA Rewards Credit Card account, issued

More information

FAIRWINDS CASH REWARDS VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURE

FAIRWINDS CASH REWARDS VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURE FAIRWINDS CASH REWARDS VARIABLE RATE CREDIT CARD AGREEMENT AND DISCLOSURE DEFINITIONS: Card means the FAIRWINDS Cash Rewards Credit Card, which we issue to you under this agreement, including any duplicates

More information

Visa Business Card Disclosure Agreement

Visa Business Card Disclosure Agreement P.O. Box 8046 Madison, WI 53718-8308 (608) 243-5000 (800) 236-5560 Fax: (608) 243-5029 www.summitcreditunion.com TABULAR DISCLOSURE Annual Percentage Rate 8.00%* (APR for Purchases) Other APR s: Cash Advance

More information

$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer Credit Card Agreement. Interest Rates and Interest

More information

VERITY CREDIT UNION BUSINESS PLATINUM VISA CREDIT CARD AGREEMENT

VERITY CREDIT UNION BUSINESS PLATINUM VISA CREDIT CARD AGREEMENT I. INTRODUCTION. VERITY CREDIT UNION BUSINESS PLATINUM VISA CREDIT CARD AGREEMENT This Agreement covers your Business Platinum VISA Credit Card, issued by Verity Credit Union ( Lender ). In this Agreement

More information

VISA CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSURE

VISA CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSURE Annual Percentage Rates (APRs) for purchases APR for Balance Transfers APR for Cash Advances Penalty APR and When It Applies Paying Interest For Credit Card Tips from the Federal Reserve Board VISA CREDIT

More information

10500862-MXC50-P-1-091515 (MXC503 CCM004)-e

10500862-MXC50-P-1-091515 (MXC503 CCM004)-e VISA SIGNATURE CREDIT CARD/VISA SELECT CREDIT CARD CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening

More information

UMB Discover Cardholder Agreement

UMB Discover Cardholder Agreement UMB Discover Cardholder Agreement 1. Your Agreement to these Terms and Conditions; Definitions. The terms and conditions in this Agreement govern your Card and all credit extended to you under this Agreement.

More information

Return completed applications to: APAC-Texas, Inc. P.O. Box 20779 Beaumont, TX 77720 (409) 866-1444 Phone (409) 866-5541 Fax

Return completed applications to: APAC-Texas, Inc. P.O. Box 20779 Beaumont, TX 77720 (409) 866-1444 Phone (409) 866-5541 Fax Return completed applications to: APAC-Texas, Inc. P.O. Box 20779 Beaumont, TX 77720 (409) 866-1444 Phone (409) 866-5541 Fax APPLICATION FOR BUSINESS CREDIT Date: NOTE: This application for Business Credit

More information

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

VISA PLATINUM/VISA PLATINUM REWARDS/ VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA PLATINUM REWARDS/ VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA PLATINUM REWARDS/ VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account

More information

VISA PLATINUM AND VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM AND VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM AND VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure.

More information

Application for Customer Status

Application for Customer Status Application for Customer Status TERMS AND CONDITIONS OF SALES: The terms and condition of sales by Perfect 10 (hereafter referred to as Perfect 10 ) to the below named Customer (hereafter referred to as

More information

The Periodic Finance Charge on Credit Purchases is calculated as follows:

The Periodic Finance Charge on Credit Purchases is calculated as follows: In this Agreement the words you and your mean each and all of those who agree to be bound by this Agreement; Card means the VISA Credit Card and any duplicates, renewals, or substitutions that the Credit

More information

Town & Country Federal Credit Union Visa CREDIT CARD AGREEMENT

Town & Country Federal Credit Union Visa CREDIT CARD AGREEMENT Town & Country Federal Credit Union Visa CREDIT CARD AGREEMENT In this Agreement the words you and your mean each and all of those who apply for the card or who sign the application. Card means a Visa

More information

$25.00 or the amount of the transaction exceeding your credit limit, whichever is less.

$25.00 or the amount of the transaction exceeding your credit limit, whichever is less. ANG FEDERAL CREDIT UNION PO Box 170204 Birmingham, AL 35217 (205) 841-4525 Fax: (205) 841-4545 www.angfcu.org This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card

More information

VISA PLATINUM/VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure.

More information

DOWNRIVER COMMUNITY FEDERAL CREDIT UNION VISA BUSINESS CREDIT CARD AGREEMENT

DOWNRIVER COMMUNITY FEDERAL CREDIT UNION VISA BUSINESS CREDIT CARD AGREEMENT 1 DOWNRIVER COMMUNITY FEDERAL CREDIT UNION VISA BUSINESS CREDIT CARD AGREEMENT THIS IS YOUR AGREEMENT WITH DOWNRIVER COMMUNITY FEDERAL CREDIT UNION REGARDING RIGHTS AND RESPONSIBILITIES ASSOCIATED WITH

More information

VISA CONSUMER CREDIT CARD AGREEMENT

VISA CONSUMER CREDIT CARD AGREEMENT VISA CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is

More information

$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer Credit Card Agreement. Interest Rates and Interest

More information

This APR may be applied to your account if you: apply?:

This APR may be applied to your account if you: apply?: Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash Advances 6.49%a, 7.49%b, 8.49%c, 9.49%d 6.49%a, 7.49%b, 8.49%c, 9.49%d 6.49%a, 7.49%b,

More information

VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA SECURED CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account

More information

VISA REWARDS CONSUMER CREDIT CARD AGREEMENT

VISA REWARDS CONSUMER CREDIT CARD AGREEMENT VISA REWARDS CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

3.99% Introductory APR for a period of 12 billing cycles.

3.99% Introductory APR for a period of 12 billing cycles. This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer Credit Card Agreement. Interest Rates and Interest

More information

MASTERCARD CONSUMER CREDIT CARD AGREEMENT

MASTERCARD CONSUMER CREDIT CARD AGREEMENT MASTERCARD CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement

VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement This is your Cardholder Agreement with Provident Credit Union which outlines the terms to

More information

VISA PLATINUM/VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The

More information

IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT:

IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT: VISA Platinum and Visa Platinum Rewards Credit Card Agreement In this Agreement the words you and your mean each and all of those who sign the application or use the credit card(s) or convenience check(s).

More information

MASTERCARD COPPER CARD/ MASTERCARD PLATINUM REWARDS CARD CONSUMER CREDIT CARD AGREEMENT

MASTERCARD COPPER CARD/ MASTERCARD PLATINUM REWARDS CARD CONSUMER CREDIT CARD AGREEMENT MASTERCARD COPPER CARD/ MASTERCARD PLATINUM REWARDS CARD CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account

More information

VISA PLATINUM/VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA GOLD/VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure.

More information

BUSINESS CREDIT CARD AGREEMENT

BUSINESS CREDIT CARD AGREEMENT BUSINESS CREDIT CARD AGREEMENT This Business Credit Card Agreement ("Agreement") includes this document, any letter, card carrier, card insert, addendums, any other document accompanying this Agreement,

More information

VISA CONSUMER CREDIT CARD AGREEMENT

VISA CONSUMER CREDIT CARD AGREEMENT VISA CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is

More information

BUSINESS CASH RESERVE AGREEMENT Effective: January 1, 2016

BUSINESS CASH RESERVE AGREEMENT Effective: January 1, 2016 BUSINESS CASH RESERVE AGREEMENT Effective: January 1, 2016 This Business Cash Reserve Agreement ("Cash Reserve Agreement"), Borrower's Application for Business Cash Reserve (Business Overdraft Protection),

More information

LANGLEY SELECT - VISA PLATINUM LANGLEY REWARDS VISA SIGNATURE LANGLEY CASH BACK VISA SIGNATURE CONSUMER CREDIT CARD AGREEMENT

LANGLEY SELECT - VISA PLATINUM LANGLEY REWARDS VISA SIGNATURE LANGLEY CASH BACK VISA SIGNATURE CONSUMER CREDIT CARD AGREEMENT LANGLEY SELECT - VISA PLATINUM LANGLEY REWARDS VISA SIGNATURE LANGLEY CASH BACK VISA SIGNATURE CONSUMER CREDIT CARD AGREEMENT Interest Rates and Interest Charges Variable Annual Percentage Rate (APR) Rates

More information

MasterCard Agreement

MasterCard Agreement The terms governing the use of this account are enclosed. These terms may be amended or supplemented by separate notices to you, including any notices you have previously received from us. The disclosures

More information

VERITY CREDIT UNION VISA CREDIT CARD AGREEMENT

VERITY CREDIT UNION VISA CREDIT CARD AGREEMENT VERITY CREDIT UNION VISA CREDIT CARD AGREEMENT This Agreement covers the use of each credit card (VISA Classic, VISA Journey ScoreCard, and VISA Platinum Passport) issued by Verity Credit Union ( Credit

More information

VISA APPLICATION www.coastccu.org

VISA APPLICATION www.coastccu.org VISA APPLICATION www.coastccu.org Card Type: (select one) Fixed Rate Variable Rate (select one) Visa Classic Visa Gold Member Number: Individual Account Joint Account APPLICANT NAME CO APPLICANT NAME SOCIAL

More information

VISA SCORECARD/VISA DOUG MILLER CONSUMER CREDIT CARD AGREEMENT

VISA SCORECARD/VISA DOUG MILLER CONSUMER CREDIT CARD AGREEMENT VISA SCORECARD/VISA DOUG MILLER CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account

More information

VISA CLASSIC/VISA SECURED/VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT

VISA CLASSIC/VISA SECURED/VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT VISA CLASSIC/VISA SECURED/VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure.

More information

Alaska USA Business Overdraft Credit Line Application and Agreement

Alaska USA Business Overdraft Credit Line Application and Agreement Alaska USA Business Overdraft Credit Line Application and Agreement Section 1: Overdraft credit line request Amount requested (minimum 2,500 with a maximum of 10,000) Cover overdraft from my Alaska USA

More information

business loan application packet

business loan application packet business loan application packet When you re ready to grow your business we re ready to help. We offer a full range of loan products to meet your business needs. At WECU, your business is our business.

More information

CONSUMER CREDIT CARD AGREEMENT

CONSUMER CREDIT CARD AGREEMENT CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated

More information

Visa Credit Card Cardmember Agreement

Visa Credit Card Cardmember Agreement Visa Credit Card Cardmember Agreement In this Agreement the words You, Your and Yourself mean each and all of those who apply for the card or who sign this Agreement. Card means the Visa Credit Card and

More information

CSI MasterCard Corporate Fleet Card

CSI MasterCard Corporate Fleet Card CSI MasterCard Corporate Fleet Card Accepted Everywhere Your Fleet Operates CSI MasterCard Corporate Fleet Card For BlueVend Car Wash Merchants Program Guidelines/Client Benefits: Reduced Monthly Card

More information

9.18% $0 $0 Up to 1% of each transaction in U.S. dollars.

9.18% $0 $0 Up to 1% of each transaction in U.S. dollars. Account Opening Disclosures Premium Rate Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances Paying Interest For Credit Card Tips from the

More information

PLUS. CASH BACK Accepted At Over 4 Million Locations Where You See. Apply Today! MEMBERS. One Card Convenience Serves As Your Membership Card

PLUS. CASH BACK Accepted At Over 4 Million Locations Where You See. Apply Today! MEMBERS. One Card Convenience Serves As Your Membership Card SAM S CLUB DISCOVER BUSINESS PLUS MEMBERS Earn Up To 2 % CASH BACK Accepted At Over 4 Million Locations Where You See One Card Convenience Serves As Your Membership Card AND Earn Cash Back On Up To $1

More information

12.90-18.00% when you open your account. This APR

12.90-18.00% when you open your account. This APR DuPont Community Credit Union MasterCard Platinum Credit Card Agreement Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for 6 monthly statement periods

More information

INTEREST RATE AND INTEREST CHARGES

INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate(APR) for Purchases 11.99% INTEREST RATE AND INTEREST CHARGES The APR is determined by adding a margin of 8.74% to the Prime Rate published in The Wall Street Journal in effect on

More information

MAROON FINANCIAL CREDIT UNION DISCOVER ELITE/ DISCOVER FLEX CONSUMER CREDIT CARD AGREEMENT

MAROON FINANCIAL CREDIT UNION DISCOVER ELITE/ DISCOVER FLEX CONSUMER CREDIT CARD AGREEMENT MAROON FINANCIAL CREDIT UNION DISCOVER ELITE/ DISCOVER FLEX CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account

More information

OnPoint Community Credit Union. Visa Credit Card Agreement

OnPoint Community Credit Union. Visa Credit Card Agreement OnPoint Community Credit Union Visa Credit Card Agreement ONPOINT COMMUNITY CREDIT UNION VISA CREDIT CARD AGREEMENT 1. INTRODUCTION. This Agreement covers your Platinum VISA or Platinum VISA with Rewards

More information

0.00% introductory APR for the first 6 Monthly Billing Cycles.

0.00% introductory APR for the first 6 Monthly Billing Cycles. VISA BUSINESS REWARDS Important Terms and Conditions You must be a First Security Bank deposit or loan account customer to obtain this card. Interest Rates and Interest Charges Annual Percentage Rate 0.00%

More information

CONSUMER CREDIT CARD AGREEMENT

CONSUMER CREDIT CARD AGREEMENT CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated

More information

VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SECURED CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SECURED CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SECURED CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account

More information

VISA BUSINESS CHECK CARD APPLICATION

VISA BUSINESS CHECK CARD APPLICATION Card Services VISA BUSINESS CHECK CARD APPLICATION BUSINESS INFORMATION (please type or print) Business Legal Business Address City, State Zip Federal Tax ID Primary Checking Account Business Phone Number

More information

PRIME + 6.74% - PRIME + 14.74% based on your creditworthiness

PRIME + 6.74% - PRIME + 14.74% based on your creditworthiness Southwest 66 Credit Union 4041 E 52 nd Street, Odessa, TX 79762 CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR YOUR MASTERCARD/VISA ACCOUNT Interest Rates and Interest Charges Annual Percentage Rate

More information

BBVA Compass SECURED VISA BUSINESS CREDIT CARD AGREEMENT

BBVA Compass SECURED VISA BUSINESS CREDIT CARD AGREEMENT BBVA Compass SECURED VISA BUSINESS CREDIT CARD AGREEMENT This Agreement should be read carefully and maintained in the Business records. This Secured Visa Business Credit Card Agreement (the "Agreement")

More information

Credit Application. Thank you for choosing EverBlock Systems, LLC for your modular building needs.

Credit Application. Thank you for choosing EverBlock Systems, LLC for your modular building needs. Credit Application Thank you for choosing EverBlock Systems, LLC for your modular building needs. To enable us to process this application without delay, please fill out this form completely and return

More information

MOBILOIL FCU 1810 N Major Dr Beaumont, TX 77713 CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT

MOBILOIL FCU 1810 N Major Dr Beaumont, TX 77713 CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT MOBILOIL FCU 1810 N Major Dr Beaumont, TX 77713 CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT Annual Percentage Rate (APR) for purchases and cash advances 2.99% fixed rate (purchases and/or cash advances)

More information

None None 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S.

None None 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. 1802 Normal Park Dr. Huntsville,Texas 77340 This Disclosure is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer

More information

Visa Traditional Rewards Student Rewards Signature Non-Rewards

Visa Traditional Rewards Student Rewards Signature Non-Rewards Consumer Credit Card Agreement M-109698 Visa Traditional Rewards Student Rewards Signature Non-Rewards In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit

More information

MasterCard Credit Card Disclosures

MasterCard Credit Card Disclosures MasterCard Credit Card Disclosures Annual Percentage Rate (APR) for Purchases 12.99% Fixed APR for Balance Transfers 19.99% Fixed APR for Cash Advances 19.99% Fixed Penalty APR and When it Applies: None

More information

VISA BUSINESS CREDIT CARD DISCLOSURES REQUIRED BY FEDERAL LAW

VISA BUSINESS CREDIT CARD DISCLOSURES REQUIRED BY FEDERAL LAW VISA BUSINESS CREDIT CARD DISCLOSURES REQUIRED BY FEDERAL LAW 1. FINANCE CHARGES: a) Calculation Methods Cash Advance: A Credit Purchases: G (See reverse side for calculation method descriptions) b) Periodic

More information

ALEC SELECT ALEC SELECT REWARDS ALEC SIGNATURE REWARDS CONSUMER CREDIT CARD AGREEMENT

ALEC SELECT ALEC SELECT REWARDS ALEC SIGNATURE REWARDS CONSUMER CREDIT CARD AGREEMENT ABBOTT LABORATORIES EMPLOYEES CREDIT UNION 401 N Riverside Dr Ste 1A Gurnee, IL 60031 800.762.9988 alecu.org ALEC SELECT ALEC SELECT REWARDS ALEC SIGNATURE REWARDS CONSUMER CREDIT CARD AGREEMENT In this

More information

Share Secured Visa Credit Card Agreement. 10.99% when you open your accounts, based on your credit worthiness.

Share Secured Visa Credit Card Agreement. 10.99% when you open your accounts, based on your credit worthiness. Share Secured Visa Credit Card Agreement Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases APR for Balance Transfers 10.99% 10.99% when you open your accounts, based on your

More information

CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT

CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT THIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN- LENDING DISCLOSURE STATEMENTS, WORLD MASTERCARD, MASTERCARD PLATINUM, MASTERCARD

More information

COMMERCIAL CREDIT CARD AGREEMENT

COMMERCIAL CREDIT CARD AGREEMENT COMMERCIAL CREDIT CARD AGREEMENT This Commercial Credit Card Agreement contains the terms which govern the use of your Visa business credit card and corresponding Account, and outlines your responsibilities

More information

BUSINESS CREDIT CARD AGREEMENT AND DISCLOSURE

BUSINESS CREDIT CARD AGREEMENT AND DISCLOSURE BUSINESS CREDIT CARD AGREEMENT AND DISCLOSURE This agreement sets forth the terms and conditions of your Visa Business Credit Card ( Card ) account ( Account ) at BBCN Bank. Applicant may from time to

More information

MASTERCARD DISCLOSURES REQUIRED BY FEDERAL LAW

MASTERCARD DISCLOSURES REQUIRED BY FEDERAL LAW MASTERCARD DISCLOSURES REQUIRED BY FEDERAL LAW 1. FINANCE CHARGES: a) Calculation Methods Cash Advance: A Credit Purchases: G (See reverse side for calculation method descriptions) b) Periodic Rates used

More information

MANISTIQUE FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES

MANISTIQUE FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES MANISTIQUE FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES Is this Agreement the words you and your mean each and all of those who agree to be bound by this Agreement; Card means a VISA credit

More information

BECU Business Credit Card Agreement and Disclosures

BECU Business Credit Card Agreement and Disclosures This Business Credit Card Agreement and Disclosures ( Agreement ) contains the terms and conditions that govern your Business Credit Card Account ( Account ). References to the use of a Credit Card below

More information

9.90% CHIROPRACTIC FEDERAL CREDIT UNION VISA GOLD CREDIT CARD AGREEMENT AND DISCLOSURES Credit Limit: $ Account-Opening Credit Disclosures

9.90% CHIROPRACTIC FEDERAL CREDIT UNION VISA GOLD CREDIT CARD AGREEMENT AND DISCLOSURES Credit Limit: $ Account-Opening Credit Disclosures CHIROPRACTIC FEDERAL CREDIT UNION VISA GOLD CREDIT CARD AGREEMENT AND DISCLOSURES Credit Limit: $ Interest Rates and Interest Charges Annual Percentage Rate 9.90% (APR) for Purchases APR for Balance Transfers

More information

VISA CREDIT CARD REGULATIONS

VISA CREDIT CARD REGULATIONS 1. Agreement. These regulations govern the possession and use of credit cards ( card ) issued by The Bank of Tampa ( Issuer ). Each person who applies for a credit card and in whose name the card is issued

More information

VISA CONSUMER CREDIT CARD AGREEMENT

VISA CONSUMER CREDIT CARD AGREEMENT VISA CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is

More information

3.90% introductory APR for six months.

3.90% introductory APR for six months. Important Account Terms Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases and Balance Transfers 3.90% introductory APR for six months. APR for Cash Advances 17.99% How to Avoid

More information

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or otherwise have a change of address.

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or otherwise have a change of address. OTHER FEES AND CHARGES. You will be charged the following fees associated with the use of Your Card: (a) $5 for each replacement Card You request; (b) $30 for each replacement Card that You request be

More information

13.75% VISA CLASSIC 12.75% VISA GOLD

13.75% VISA CLASSIC 12.75% VISA GOLD Account Opening Disclosure Notice regarding the terms of your West Suburban Bank Visa Credit Card account. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.75% VISA CLASSIC

More information

VISA: % This APR will vary with the market based on the Prime Rate. VISA Gold: % This APR will vary with the market based on the Prime Rate.

VISA: % This APR will vary with the market based on the Prime Rate. VISA Gold: % This APR will vary with the market based on the Prime Rate. KEMBA CREDIT UNION, INC P O BOX 14090 CINCINNATI, OH 45250 (800) 825-3622 FAX (513) 762-1619 (513) 762-5070 CREDIT CARD AGREEMENT AND FEDERAL DISCLOSURE STATEMENT THIS IS YOUR CREDIT CARD AGREEMENT AND

More information

Credit Card Agreement Visa Classic Credit Card

Credit Card Agreement Visa Classic Credit Card Credit Card Agreement Visa Classic Credit Card Part I Interest Rates and Interest Charges Visa Annual Percentage Rate (APR) for Purchases 17.99% Fixed APR for Balance Transfers 17.99% Fixed APR for Cash

More information

VISA PLATINUM AND VISA PLATINUM REWARDS Fax: 610-326-7197

VISA PLATINUM AND VISA PLATINUM REWARDS Fax: 610-326-7197 1550 Medical Dr. 610-326-3705 VISA PLATINUM AND VISA PLATINUM REWARDS Fax: 610-326-7197 CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure

More information