Merchant Agreement. This agreement is entered into by and between ( Merchant ) and First State Bank ( Bank ).

Size: px
Start display at page:

Download "Merchant Agreement. This agreement is entered into by and between ( Merchant ) and First State Bank ( Bank )."

Transcription

1 Merchant Agreement This agreement is entered into by and between ( Merchant ) and First State Bank ( Bank ). WHEREAS, as a part of the Bank s credit card program, Bank is authorized by VISA, U.S.A. INC. ( VISA ) and/or MASTERCARD INTERNATIONAL, INC. ( MCI ) to use the respective service marks, technical information, communications network and certain copyrighted material of VISA and MCI, all of which shall hereafter be referred to as the Card Plan ; and WHEREAS, Merchant desires to participate in the Card Plan and honor cards bearing the service marks of VISA and/or MCI in connection with sales of merchandise or services by merchant. NOW, THEREFORE, Merchant AND Bank MUTUALLY AGREE TO THE FOLLOWING TERMS AND CONDITIONS: 1. As used in this Agreement, the term Card shall mean a credit or debit card bearing either the service marks of VISA or the service marks of MCI including, but not limited to, Classic Cards, Business Cards, Debit Cards, Check Cards and Gold Cards. All references to sales drafts and credit vouchers in this Agreement shall be deemed to include transaction records transmitted electronically or on magnetic tape. 2. Merchant may choose to accept Debit MasterCard cards only, Credit MasterCard cards only or both Debit and Credit MasterCard cards. Likewise, merchant may choose to accept Debit Visa cards only, Credit Visa cards only, or both Debit and Credit Visa cards. 3. Merchant will process, through Bank, sales drafts and credit vouchers initiated only at the Merchant s business by use of the Card. Merchant warrants that all sales drafts tendered to Bank will represent obligations of a cardholder in amounts set forth therein only for merchandise sold or services rendered and shall not involve any element of credit for any other purpose or business. Merchant represents that, as of the date any sales draft is tendered for payment, Merchant has no knowledge or notice that would impair the validity of the sales draft or its collectability. 4. Merchant shall display at prominent locations, card emblems and other promotional materials/signage as may be provided by Bank. Merchant shall comply with all applicable VISA and MCI rules and regulations concerning the use of service marks and copyrights owned by VISA and MCI, respectively. 5. Merchant agrees to (I) check each Card for validity and honor any valid Card properly tendered for use; (II) prepare all sales and credit vouchers on forms provided or approved by Bank; (III) complete all vouchers to include the name of the cardholder, authorized user (if different from cardholder), account number, date, description of merchandise sold or services rendered, and the total price of the transaction with applicable sales tax included; (IV) imprint or electronically transmit card data in all face to face transactions; (V) obtain authorizations on all transactions; (VI) process all electronically authorized sales drafts and credit vouchers for payment on a daily basis, but not later than the end of the next business day; (VII) establish a reasonable policy for the return of merchandise which may limit the acceptance of returned merchandise, provided that proper disclosure is made at the time of the original transaction in which goods or services were delivered to card holder; (VIII) clearly display its returned merchandise policy at the point of transaction and where merchant s return merchandise policy is one of the following: No Refund, Exchange Only, or In-Store Credit Only, this policy must be disclosed on all copies of the sales drafts in letters ¼-inch high and in close proximity to the signature panel; (IX) issue a credit voucher evidencing refunds; (X) preserve copies of sales drafts and credit vouchers for a period of 24 months from the date of issuance; (XI) retain possession of any card which is identified through the authorization process as a pick up card and deliver to Bank cut into two parts or as otherwise directed by authorization center; (XII) within five (5) days of receipt of any request by Bank, provide to Bank either the actual paper sales draft or a legible copy thereof (in size comparable to the actual sales draft), and any other documentary evidence available to the Merchant and reasonably rev. 03/05 1

2 requested by Bank to meet its obligation under law (including its obligation under the Fair Credit Billing Act) or otherwise respond to questions concerning cardholder accounts. 6. Merchant will NOT (I) impose minimum or maximum dollar amounts as a condition for honoring cards; (II) impose a surcharge or assess discount rate for credit card transactions [provided, however, discounts for cash are permitted]; (III) request personal identification, or a phone number, as a condition for acceptance (IV) obtain any security interest from the cardholder in connection with any sales draft; (V) discriminate as to price, service, or otherwise against any person using or desiring to use a credit card, except as permitted by law; (VI) make any cash refund to the cardholder for any credit transaction; (VII) process sales draft for any amount of cash (VIII) intentionally withhold sales drafts or credit vouchers for any period of time without prior knowledge or consent of Bank [Bank reserves the right to refuse presentation of sales drafts and credit vouchers which exceed established time limits]; (IX) use multiple sales drafts for a single card use, with the exception of partial payments or delayed delivery deposits which are clearly marked on the original and subsequent sales drafts representing the balance; (X) honor or present sales drafts that relate to sales or services sold or performed by anyone other than Merchants direct employees for sales and services other than those arising out of merchants usual trade or business; (XI) sell, purchase, provide or otherwise disclose the cardholder s account information or other cardholder personal information to any third party other then Bank, merchant s agents and processing organizations for the purpose of assisting the Merchant in its business, or as required by law, unless Merchant obtains the cardholders written consent to the disclosure; (XII)present sales drafts until the goods have been shipped or the services have been preformed and merchant has otherwise performed all of its principal obligations to the customer, except as permitted by paragraph 5(ix); or (XIII) present to Bank directly or indirectly, any sales drafts or credit voucher that Merchant knows or should have known to be fraudulent or not authorized by the cardholder, that results from a transaction outside Merchants normal course of business, that results from a transaction not involving Merchant, or that contains the account number of a Card account issued to Merchant. 7. Unless specifically authorized in accordance with procedures established by Bank, Merchant shall not issue a sales draft on the basis of a telephone or mail order. Merchant is [X] is not [ ] authorized to accept transactions placed by mail or telephone. In the event merchant is authorized to process such sales drafts for payment without the Card s presentment at the time of the transaction or the cardholder s signature being obtained, all such sales will be at merchants risk and subject to offset if charged back. Further, if merchant is authorized to process card-not-present sales drafts, merchant agrees to obtain CVC 2 and CVV 2 numbers from cardholder. Merchant is expressly forbidden from storing such numbers. 8. Merchant shall comply with all laws applicable to Merchant, Merchant s business, and any card transaction, including, without limitation, all state and federal consumer credit and customer protection statutes and regulations. Merchant will provide Bank with all information relating to transactions through the use of card necessary for Bank to comply with such laws and regulations of Bank, VISA and MCI. Merchant agrees to comply with instructions contained in any operating guide that Bank, VISA and/or MCI may issue and amend from time to time. Merchant also agrees to use payment system software that does not store sensitive card information and complies with the Payment Card Industry Data Security Standard (PCI DSS). Bank may issue rules and regulations relating to the operation of the merchant program as well as subsequent amendments or supplements to such rules, all of which will be binding upon the merchant at the time the merchant is served notice. 9. Merchant agrees to indemnify and hold Bank harmless from any claim against Bank relating to any transaction involving Cards or sales transactions with Merchant or Merchant s refusal to engage in such sales transactions as may be made by anyone by way of defense, dispute, offset, counterclaim or affirmative action, and Merchant shall reimburse Bank for all expenses and costs, including attorney s fees with regard thereto. Bank liability to Merchant shall reimburse with respect to any card transaction shall not exceed the amount of the sales draft in connection with that transaction less any applicable discount. Bank shall in no event be liable for any incidental or consequential damages whatsoever. 10. Bank will credit the Merchant s said bank account at each business day for the amount of the sales drafts deposited to the merchant. Discount rate is calculated on the total monthly sales and deducted the first week of the following month. Any payment made from Bank to the Merchant shall not be final, but shall rev. 03/05 2

3 be subject to subsequent review, verification and final audit by Bank Merchant agrees that in case of any error, Bank my charge or credit Merchants said account, without notice, for any deficiencies or overages that may occur. The preparation and delivery to Bank by Merchant of sales drafts shall constitute an endorsement to Bank by Merchant of each sales draft. Merchant hereby waives notice of default or nonpayment, protest, or notice of protest, demand for payment and any other demands or notices in connection with this agreement or any sales draft. Merchant hereby consents to extensions of time granted or compromises made with any cardholder liable on any sales draft without affecting Merchant s liability. Merchant agrees that all of its obligations under this Agreement shall be secured by all deposit accounts, including the principal deposit discount, maintained by Merchant with said Bank. Should the balance of Merchant s principal deposit account be insufficient to cover a debit to that account, Merchant shall pay the additional amount to Bank on demand. Before or after such demand, Bank may assert a right of setoff against any other deposit account(s) maintained by Merchant with Bank. Should Merchant and Bank agree to effect settlement of credits and debits from the Designated Account by means of ACH in conjunction with the processing of credit Sales transactions as anticipated herein; Merchant authorizes Bank to initiate debit and credit entries to the Designated Account (the details of which are set out below). Merchant agrees to maintain sufficient funds in Designated Account to cover debit transactions. By signing this authorization, Merchant states that it has authority to agree to such transactions and that the Depository Account indicated is a valid and legitimate account for the handling of these transactions. The authority is to remain in effect until Bank receives written notice from Merchant revoking it. This authorization is for the payment of SALES, RETURNS, FEES and, CHARGEBACKS, or any other sums owed between the Parties. Merchant also certifies that the appropriate authorizations are in place to allow Merchant to authorize this method of settlement. All changes to the identification of the Depository Account under this authorization must be made in writing. Merchant understands that if the information supplied as to the ABA Routing Number and Account Number of the Depository Account is incorrect, and funds are incorrectly deposited, Bank will attempt to assist Merchant in the recovery of such funds but has no liability as to restitution of the same. Bank s assistance in recovering the funds, where available will be billed to Merchant at Bank s current hourly rate for such work. In accordance with the terms above transfer funds to/from account set out below: Account Name: ABA Routing Number: Account Number: 11. Bank shall be entitled to a discount fee for each sales transaction accepted by Bank pursuant to this Agreement. Bank shall compute a discount fee at a rate established by Bank. Bank reserves the right to amend or alter the rate(s) of discount fee imposed on individual sales drafts(s) or credit voucher(s) deposited with Bank when Merchant fails to make deposits on a timely basis. The discount rate(s) shall be applied to the amount of sales drafts plus credit vouchers received by Bank. The discount rate may be collected by Bank by debit to Merchant s designated deposit account on a daily basis, monthly basis or other basis as determined by Bank. The discount fee will be charged against Merchant s principal deposit account at said bank, without advance notice sent to Merchant by Bank. Merchant agrees to pay to Bank the discount fee based on the rate(s) established at the time this agreement is entered into by merchant and Bank, which are as follows: DISCOUNT RATES FLAT CREDIT CARD RATE FLAT DEBIT CARD RATE CREDIT CARD QUALIFIED CREDIT CARD NON-QUALIFIED VISA % % % % MASTERCARD % % % % Qualified rate transactions are transactions that are consumer credit or debit swiped, mag-stripe read and authorized and settle for the same amount. These transactions will qualify for best discount rate. Non-qualified rate transactions are transactions that do not meet the above criteria for the best discount rate, or the result of hand-keying, late settlement, or reason of non-compliance to Visa/MasterCard requirements. rev. 03/05 3

4 rev. 03/05 4

5 12. The amount of the discount rate(s) and monthly fee(s) are guaranteed not to change for a maximum of six (6) months, at which time Bank may decrease or increase the discount rate(s) and/or fee(s). Discount rate(s) and fee(s) can be adjusted at any time thereafter upon written notification to Merchant from Bank. 13. Bank will charge to merchants principal deposit account without advance notice, monthly service charged as noted: Help Desk service $ Per authorization $ Per non-bankcard $ Per item $ Maintenance $ Statement fee $ Miscellaneous $ 14. Bank will charge to merchant s account the following additional one time, yearly, monthly or per occurrence fees as agreed: Set-up (per location) $ (one time) Imprinter rental $ (yearly) Terminal/Printer rental $ (per month) Imprinter rental $ (monthly) Chargeback Fee $ (per occurrence)miscellaneous $ Bank, at its cost and expense, will from time to time upon Merchant s request, deliver authorization terminal/printers and/or imprinters (equipment) that may be used in the First State Bank Merchant program. Merchant agrees to pay Bank the monthly or yearly rental fee noted above per terminal/printer or imprinter. This fee shall be subject to change upon written notification to Merchant from Bank. In order to induce Bank to rent this equipment to Merchant, Merchant agrees to: (i) not sell, pledge, loan or in any way allow a security interest to attach to the equipment. (ii) in the event this Agreement is terminated, Merchant will return all equipment to Bank, or in the alternative, Bank shall be permitted to enter the premises of Merchant for the purpose of taking possession of and removing the equipment. (iii) Merchant shall be responsible for any damage to the equipment after delivery, except for reasonable wear and tear. In no event will Merchant s liability for such damage exceed the original purchase price of the equipment. 15. Merchant shall notify Bank if Merchant elects to accept Cards issued by American Express, Discover, or Diners Club through the use of an electronic terminal. Any third-party, or non-bankcards accepted are subject to fees including, but not limited to, installation and authorization expenses as defined by Bank. Merchant understands that non-bankcard rates, fees and other contractual elements are negotiated and settled directly between Merchant and third-party Card issuer. 16. Merchant agrees to pay Bank the amount of any sales drafts, and Bank shall have the right to charge merchants account without notice in any situation relating to such sales drafts where: (I) merchandise is returned and accepted by merchant, whether or not a credit voucher is delivered to Bank; (II) any sales transaction giving rise to the sales draft fails to comply with the provisions of paragraph four (4) of this agreement; (III) the sales draft is alleged to have been drawn, accepted, or endorsed improperly or without endorsement; (IV) the sales draft is illegible, incomplete or otherwise indiscernible or is not delivered to Bank within the required time limits; (V) the sales draft is a duplicate of a previously paid, or is one of two or more sales drafts generated in a single transaction in violation with this agreement; (VI) the cardholder disputes the execution of the sales draft, the sale, delivery, quality or performance of the goods and services purchased, or alleges that a credit adjustment was requested and refused or that a credit adjustment was issued by Merchant but not posted to the cardholder s account; (VII) the price of goods or services shown on the sales draft differs from the amount shown on the copy of the sales draft delivered to the customer at the time of the transaction; (VIII) the sales draft was drawn by or credit given to Merchant under circumstances constituting a breach of any term, condition, representation, warranty, or duty of Merchant hereunder; (IX) the extension of credit for merchandise sold or services performed was rev. 03/05 5

6 in violation of law or rules or regulations of any governmental agency, federal, state, local, or otherwise; (X) the sales draft was not completed according to this Agreement or instructions contained in any Merchant operating guide issued by Bank, VISA or MCI; (XI) Merchant s redeposit of a sales draft previously charged bank without express consent of cardholder and bearing cardholder s signature; (XII) Bank reasonably determines that Merchant has violated the terms, conditions, covenants, warranties, or other provisions of this Agreement; (XIII) Bank reasonably determines that the sales draft or credit voucher evidencing the transaction is fraudulent or that the related transaction is not a bona fide transaction arising in the ordinary course of Merchant s business or is subject to any claim illegality, cancellation, recession, avoidance, or offset for any reason whatsoever, including without limitation, negligence, fraud or dishonesty on the part of Merchant or Merchant s agents or employees; (XIV) the issuer of the Card charges the sales draft back to Bank for any reason not otherwise listed above. 17. Within a reasonable time following notice of charge-back of a transaction to Merchant, Bank shall return to Merchant any sales draft or other evidence of the transaction. Merchant shall reimburse Bank for any fee or charge imposed by or through VISA or MCI as a result of extraordinary charge-back activity or of any failure by Merchant to comply with the provisions of the Agreement or VISA and MCI rules. 18. Bank shall have the sole right to receive payment on sales drafts purchased by Bank. Merchant agrees not to sue or make any collection thereon, except as may be specifically authorized by Bank. In the event of such authorization, Merchant agrees to hold all collections, if any, in trust for Bank and deliver same, in kind, immediately upon request. 19. Merchant will notify Bank no later than thirty (30) days prior to any change in business name, ownership, structure, or type of merchandise or services sold. Failure to promptly do so will be considered a breach of contract and subject Merchant to termination of this Agreement. 20. Merchant shall, upon demand, re-purchase all outstanding sales drafts purchased by Bank on which recourse may be exercised under this Agreement where the Merchant: (I) fails to comply with any terms of this Agreement; or (II) becomes insolvent or ceases to do business. Bank shall have the right to charge Merchant s account without notice in such cases for all outstanding sales drafts. 21. Merchant agrees that Bank may investigate or obtain credit information on the Merchant relating to Merchant s credit and financial responsibility and likewise investigate or obtain credit information on any owner or principal of the Merchant. Merchant agrees to provide Bank with accurate, valid, signed and dated financial statements within 5 business days of Bank request. Bank may periodically examine and verify all records of Merchant pertaining to sales drafts sold to Bank hereunder. Bank reserves the right to inspect Merchant s business premise(s) upon request. Bank may request an escrow, personal guarantee, or security deposit at any time during the course of this Agreement should Merchant s creditworthiness decrease or Bank risk increase all as reasonably determined by Bank. 22. From time to time, Bank may amend any provision or provisions of this Agreement by mailing a written notice to Merchant of the amendment at least thirty (30) days prior to the effective date of the amendment, and the amendment shall become effective unless Bank receives Merchant s notice of termination of this Agreement before such effective date. Amendments to this Agreement which are required due to changes in VISA bylaws and/or Operating Regulations or the MCI Operating Rules and Regulations or any law or judicial decision shall become effective on such shorter period of time as Bank may specify if necessary to comply with the requirement of VISA or MCI or with any law or judicial decision. 23. This Agreement shall become effective when signed by both parties and shall remain in full force and effect until terminated as follows: (i) Either party may terminate this agreement without cause upon thirty (30) days prior written notice to that effect. (ii) Should Bank have reasonable cause to believe or suspect that Merchant is not complying or does not intend to comply with the terms and conditions hereof or that an extraordinary dollar amount or number of transactions have been or are likely to be charges back to Bank pursuant to operating rev. 03/05 6

7 rules or regulations of VISA or MCI. Bank may not provide Merchant with advance notice of the termination; (iii) Upon the effective date of any termination, Merchant s rights hereunder to enter into Card transactions, to deposit sales drafts with Bank, and to use forms, promotional material, any other items provided by Bank hereunder or any of the VISA or MCI service marks or logos shall cease, but each party s obligations in connection with any sales drafts or credit vouchers accepted by Bank (whether before or after such termination), including, without limitation, Merchant charge-back obligations, shall survive such termination. (iv) If Bank terminates this Agreement without giving the Merchant advance notice, for the period during which any previously presented sales drafts are subject to charge-back to Bank pursuant to the then effective operating regulations of VISA or MCI, as applicable, Bank shall have the right to suspend Merchant s right to withdraw any funds from any deposit account maintained by Merchant with merchant bank account, including, without limitation, Merchant s principal deposit account; provided, however, that Bank shall not suspend the right in a fashion that would deprive Merchant of the use of its deposit account or accounts beyond the extent required to assure Bank ability to recover from Merchant, by exercise of Bank right to set off against such deposit account or account or accounts, the amount of each and every sales draft as to which there remains a potential charge-back right as against the Bank under said operating regulations. Merchant understands that Bank cannot determine with certainty whether a sales draft will be charged back to Bank until the charge-back period expires as to the sales draft. Bank shall not exercise its rights under this subparagraph (iv) unless it has reasonable cause to believe or suspect that a significant dollar amount or number of sales drafts are likely to be charged back to Bank because of the breach or suspected breach of this Agreement by Merchant or because of Bank previous experience with charge-backs related to Merchant s sales drafts. Bank agrees to reinstate Merchant s right to withdraw funds from its deposit accounts upon delivery to Bank of a bond, a letter of credit, or another undertaking or collateral security reasonably believed by Bank to protect Bank interest relative to such charge-backs. (v) For purposes of this paragraph 22, Merchant acknowledges that because of the potential for damage to Bank in the event of a material breach or repeated breaches of this Agreement by Merchant or because of charge-backs, the term reasonable cause to believe or suspect shall be determined solely in Bank good-faith judgment and without regard to the actual occurrence of a breach of charge-backs. (vi) Following termination, Merchant shall upon request provide Bank with all original or copies of transaction records (sales drafts and credit vouchers) required to be retained at the time of termination. 24. Should suit be brought by either party to enforce the terms of this Agreement, the prevailing party shall be entitled to recover from the other its costs and expenses of suit, including its reasonable attorneys fees. 25. This agreement may be assigned by the Bank to another processing Bank or Independent Sales Organization. 26. Failure by Bank to enforce one or more of the provisions of this Agreement shall not constitute a waiver of the right to enforce the same or any other provision in the future. 27. Merchant acknowledges notification of limited acceptance option and chooses to accept the following card(s): Visa Debit MasterCard Debit Both Visa Credit MasterCard Credit Both rev. 03/05 7

8 28. Notices to Merchant shall be deemed given when personally delivered or when deposited in the U.S. Mail, postage prepaid, addressed as shown in the signature block of this Agreement. Notices to Bank shall be deemed given when received by Bank at its address shown in the signature block below. The address of either party can be changed by notice to the other party. This Agreement is accepted and is in effect on (date). Bank: FIRST STATE BANK By: Title: Address: 111 S. MAIN ST Merchant: By: Title: Address: PO BOX 69 MIDDLEBURY, IN Signature: Signature: rev. 03/05 8

NET10.NET. BANK CARD MERCHANT AGREEMENT For Internet Commerce

NET10.NET. BANK CARD MERCHANT AGREEMENT For Internet Commerce NET10.NET BANK CARD MERCHANT AGREEMENT For Internet Commerce In consideration of the mutual covenants herein, net10.net ("Bank") and the undersigned merchant ("Merchant") have agreed as follows as of the

More information

HELPcard Merchant Operating Guide (Rev. Date 12/01/2013)

HELPcard Merchant Operating Guide (Rev. Date 12/01/2013) HELPcard Merchant Operating Guide (Rev. Date 12/01/2013) 1. Definitions. Capitalized terms used in this Merchant Operating Guide have the meanings assigned to them by the HELPcard Merchant Agreement between

More information

MERCHANT SERVICES, LEASING AND OPERATING AGREEMENT. ( Blackboard ). In this Agreement, the words; BbOne Card means a stored-value account

MERCHANT SERVICES, LEASING AND OPERATING AGREEMENT. ( Blackboard ). In this Agreement, the words; BbOne Card means a stored-value account MERCHANT SERVICES, LEASING AND OPERATING AGREEMENT This Agreement is between the Business set forth on the first page ( Business ) and Blackboard Inc., having offices at 650 Massachusetts Ave, N.W., 6th

More information

ELECTRONIC SERVICES AGREEMENT

ELECTRONIC SERVICES AGREEMENT ELECTRONIC SERVICES AGREEMENT Electronic Disclosure and Consent To the extent that you have given your e-sign consent, if such consent is required, you agree to receive this covering consumer online banking

More information

CMS TC 12.01.10 Page 1

CMS TC 12.01.10 Page 1 Merchant Credit Card Processing Terms & Conditions Columbus Merchant Services is a registered ISO/MSP with Visa and MasterCard and is an authorized agent of Fifth Third Bank, an Ohio banking corporation,

More information

Merchant Processing Application

Merchant Processing Application Merchant Processing Application Visa/MasterCard/Discover For Additional Information Contact: Deborah Green Phone: 800-327-0053, Option 1 Or: 866-319-4842 Fax: 972-650-7071 dgreen@mybankersbank.com E-Mail:

More information

www.butterfieldgroup.com

www.butterfieldgroup.com Merchant Services Butterfield Merchant Services. If you are a retail or service business owner, it is vital to offer your customers the opportunity to pay by credit or debit card. Butterfield can help

More information

Merchant Processing Application

Merchant Processing Application Merchant Processing Application Visa/MasterCard/Discover For Additional Information Contact: DEBORAH GREEN Phone: 866-319-4842 Or: 800-327-0053 Option 1 Fax: 972-650-7071 dgreen@mybankersbank.com E-Mail:

More information

1476 South Major Street, SLC, Utah 84115 487-4966 Office/487-4986 Fax www.payserv1.com

1476 South Major Street, SLC, Utah 84115 487-4966 Office/487-4986 Fax www.payserv1.com A Benchmark for Excellence Payroll Services 1476 South Major Street, SLC, Utah 84115 487-4966 Office/487-4986 Fax www.payserv1.com New Company Direct Deposit Set-Up Form (Please complete and return this

More information

Rothschild Visa Card Terms and Conditions

Rothschild Visa Card Terms and Conditions Rothschild Visa Card Terms and Conditions These Rothschild Visa Card Terms and Conditions (June 2010 edition) are in addition to and supplemental to the Bank s standard Terms and Conditions (October 2007

More information

CardLink Merchant Services

CardLink Merchant Services CardLink Merchant Services w w w. b u t t e r f i e l d b a n k. k y C a r d L i n k M e r c h a n t S e r v i c e s S t a c k i n g t h e c a r d s i n y o u r f a v o u r Butterfield Bank's all-inclusive

More information

Automated Clearing House

Automated Clearing House Automated Clearing House THE SERVICE Customer wishes to initiate credit and/or debit Entries as an Originator through Bank to Accounts maintained at Bank and in other depository financial institutions

More information

Insurance Producer Agreement

Insurance Producer Agreement Insurance Producer Agreement Section 1 - Producer s Authority The Producer shall periodically submit risks to the Company for its consideration as authorized by the Company. These risks shall be located

More information

Merchant Program Agreement

Merchant Program Agreement MERCHANT SERVICES Merchant Program Agreement Terms & Conditions and Merchant Operating Guide BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC. 12.09 Compass

More information

SAFE Visa Business Credit Card

SAFE Visa Business Credit Card SAFE Visa Business Credit Card PRICING INFORMATION Variable rates are based on the Prime Rate as of October 01, 2015 Annual Percentage Rate (APR) for Purchases Rates based on the Prime Rate Annual Percentage

More information

Agent Agreement WITNESSETH

Agent Agreement WITNESSETH PATRIOT NATIONAL UNDERWRITERS, INC. Agent Agreement THIS AGENT AGREEMENT (the Agreement ) is made and entered into by and between Patriot National Underwriters, Inc., a Texas corporation ( Patriot ), and

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

PURCHASE ORDER FINANCING TERMS AND CONDITIONS

PURCHASE ORDER FINANCING TERMS AND CONDITIONS PURCHASE ORDER FINANCING TERMS AND CONDITIONS In the course of its business, Reseller will purchase Ingram Micro Products and will sell Ingram Micro Products to customers located in the United States (

More information

SALEM STATE UNIVERSITY CLIPPERCARD MERCHANT AGREEMENT

SALEM STATE UNIVERSITY CLIPPERCARD MERCHANT AGREEMENT SALEM STATE UNIVERSITY CLIPPERCARD MERCHANT AGREEMENT AGREEMENT made as of the day of by and between Salem State University, a Massachusetts state institution of higher learning having its principal offices

More information

CARD ACCEPTANCE AGREEMENT FOR PARTICIPATING MERCHANTS

CARD ACCEPTANCE AGREEMENT FOR PARTICIPATING MERCHANTS CARD ACCEPTANCE AGREEMENT FOR PARTICIPATING MERCHANTS Synchrony Bank, located at 170 Election Road, Suite 125, Draper, Utah 84020-6425 ( Bank ) has established an open-end credit program for customers

More information

Missouri Bank Business Credit Card Agreement

Missouri Bank Business Credit Card Agreement Missouri Bank Business Credit Card Agreement THIS BUSINESS CREDIT CARD AGREEMENT ( AGREEMENT ) CONTAINS THE TERMS WHICH GOVERN THE USE OF YOUR MOBANK VISA BUSINESS CREDIT CARD ( CARD ) AND CORRESPONDING

More information

FACTORING AGREEMENT. THIS FACTORING AGREEMENT made and executed the day of Acceptance by and between the Client and LoyalCash Corp. (the Factor ).

FACTORING AGREEMENT. THIS FACTORING AGREEMENT made and executed the day of Acceptance by and between the Client and LoyalCash Corp. (the Factor ). FACTORING AGREEMENT THIS FACTORING AGREEMENT made and executed the day of Acceptance by and between the Client and LoyalCash Corp. (the Factor ). 1. CERTAIN DEFINITIONS Advances Interest Rate shall have

More information

Insurance Market Solutions Group, LLC Sub-Producer Agreement

Insurance Market Solutions Group, LLC Sub-Producer Agreement Insurance Market Solutions Group, LLC Sub-Producer Agreement This Producer Agreement is made and entered into effective the day of, 20, by and between Insurance Market Solutions Group, LLC a Texas Company

More information

Terms and Conditions of Customer Processing Agreement

Terms and Conditions of Customer Processing Agreement Terms and Conditions of Customer Processing Agreement WorldPay US, Inc. 600 Morgan Falls Road, Atlanta, GA 30350 Member Financial Institution - RBS Citizens, N.A. TERMS AND CONDITIONS OF CUSTOMER PROCESSING

More information

General Form of Factoring Agreement regarding the Assignment of Accounts Receivable

General Form of Factoring Agreement regarding the Assignment of Accounts Receivable General Form of Factoring Agreement regarding the Assignment of Accounts Receivable Agreement made on the (date), between (Name of Factor), a corporation organized and existing under the laws of the state

More information

Lenders Axis LLC Working Capital Sales Agent Agreement Lenders Axis Sales Agent Agreement V 2.0

Lenders Axis LLC Working Capital Sales Agent Agreement Lenders Axis Sales Agent Agreement V 2.0 Lenders Axis LLC Working Capital Sales Agent Agreement Lenders Axis Sales Agent Agreement V 2.0 This Sales Agent Agreement (the Agreement ) is made and effective as of this the day of 13 by and between

More information

SUBMITTER MERCHANT AGREEMENT PAYMENT PROCESSING INSTRUCTIONS AND GUIDELINES

SUBMITTER MERCHANT AGREEMENT PAYMENT PROCESSING INSTRUCTIONS AND GUIDELINES SUBMITTER MERCHANT AGREEMENT PAYMENT PROCESSING INSTRUCTIONS AND GUIDELINES Paymentech, L.P. ( Paymentech or we, us or our and the like) and ( ) are excited about the opportunity to provide you with state-of-the-art

More information

Below is an overview of the Molex lease process as it applies to Molex Application Tooling equipment.

Below is an overview of the Molex lease process as it applies to Molex Application Tooling equipment. Dear Valued Customer, Below is an overview of the Molex lease process as it applies to Molex Application Tooling equipment. Lease process: Molex does not offer leases for all of the equipment that we promote.

More information

MERCHANT AGREEMENT. Version 4 11-05

MERCHANT AGREEMENT. Version 4 11-05 Redwood Merchant Services A division of Westamerica Bank 2800 Cleveland Avenue, Suite B Santa Rosa, CA 95403 Phone: 800-939-9942 Fax: 707-546-9989 FDIC Insured MERCHANT AGREEMENT THIS AGREEMENT and the

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

APPENDIX I ELAVON STANDARD PROPOSED NEGOTIATION LANGUAGE (PER EXHIBIT D.1.e) FOR LOCAL AUTHORIZED USERS

APPENDIX I ELAVON STANDARD PROPOSED NEGOTIATION LANGUAGE (PER EXHIBIT D.1.e) FOR LOCAL AUTHORIZED USERS APPENDIX I ELAVON STANDARD PROPOSED NEGOTIATION LANGUAGE (PER EXHIBIT D.1.e) FOR LOCAL AUTHORIZED USERS Capitalized terms used and not otherwise defined in this Appendix shall have the meanings ascribed

More information

Merchant User Agreement:

Merchant User Agreement: Merchant User Agreement: THIS MERCHANT AGREEMENT (the Agreement ), which includes the attached Merchant Application (the Application ), is made and entered into by and among Chesapeake Bank, a national

More information

Authorized Merchant Agreement

Authorized Merchant Agreement Authorized Merchant Agreement THIS LEASE PURCHASE PROGRAM AGREEMENT ("Agreement") is made this day of 2014 by and between CREST FINANCIAL SERVICES LLC, whose address is 15 West Scenic Pointe Dr. Ste.350,

More information

GREENVILLE FEDERAL CREDIT UNION BUSINESS PLATINUM VISA CREDIT CARD QUARTERLY VARIABLE RATE WITH ANNUAL FEE AND REWARDS PROGRAM

GREENVILLE FEDERAL CREDIT UNION BUSINESS PLATINUM VISA CREDIT CARD QUARTERLY VARIABLE RATE WITH ANNUAL FEE AND REWARDS PROGRAM GREENVILLE FEDERAL CREDIT UNION BUSINESS PLATINUM VISA CREDIT CARD QUARTERLY VARIABLE RATE WITH ANNUAL FEE AND REWARDS PROGRAM REVOLVING LOAN AGREEMENT THIS IS YOUR AGREEMENT AND DISCLOSURE STATEMENT WITH

More information

GENERAL AGENT AGREEMENT

GENERAL AGENT AGREEMENT Complete Wellness Solutions, Inc. 6338 Constitution Drive Fort Wayne, Indiana 46804 GENERAL AGENT AGREEMENT This Agreement is made by and between Complete Wellness Solutions, Inc. (the Company ) and (the

More information

Kaskaskia Tool & Machine, Inc. Purchase Order Terms & Conditions

Kaskaskia Tool & Machine, Inc. Purchase Order Terms & Conditions The following terms and conditions provide Standard suppliers with the guidelines and legal stipulations of our purchase order contract. 1. Agreement. This Purchase Order ("Order") is Kaskaskia Tool &

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

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

WASHINGTON STATE UNIVERSITY MERCHANT ACCOUNT AGREEMENT FOR UNIVERSITY DEPARTMENTS

WASHINGTON STATE UNIVERSITY MERCHANT ACCOUNT AGREEMENT FOR UNIVERSITY DEPARTMENTS WASHINGTON STATE UNIVERSITY MERCHANT ACCOUNT AGREEMENT FOR UNIVERSITY DEPARTMENTS I. Introduction, Background and Purpose This Merchant Account Agreement (the Merchant Agreement or Agreement ) is entered

More information

BUSINESS CHECK CARD AGREEMENT AND DISCLOSURE

BUSINESS CHECK CARD AGREEMENT AND DISCLOSURE BUSINESS CHECK CARD AGREEMENT AND DISCLOSURE In this Pacific Continental Bank Business Check Card Agreement and Disclosure for business debit card(s) (this Agreement ), the words we, our, and us mean Pacific

More information

Limited Agency/Company Agreement

Limited Agency/Company Agreement Effective, this Agreement is entered into by and between Safepoint MGA, LLC and Safepoint Insurance Company Inc., hereinafter referred to as Company, and hereinafter referred to as Agent. It being the

More information

1.1 Certain software, known as SOFTWARE, was developed at STANFORD with grant support from the U.S. Government.

1.1 Certain software, known as SOFTWARE, was developed at STANFORD with grant support from the U.S. Government. Sxx-xxx 00/00/00 SOFTWARE LICENSE AGREEMENT Effective as of THE BOARD OF TRUSTEES OF THE LELAND STANFORD JUNIOR UNIVERSITY, a body having corporate powers under the laws of the State of California (hereinafter

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

SELECT GOVERNMENT MERCHANT PAYMENT INSTRUMENT PROCESSING AGREEMENT (GOVERNMENT ENTITY)

SELECT GOVERNMENT MERCHANT PAYMENT INSTRUMENT PROCESSING AGREEMENT (GOVERNMENT ENTITY) SELECT GOVERNMENT MERCHANT PAYMENT INSTRUMENT PROCESSING AGREEMENT (GOVERNMENT ENTITY) THIS SELECT GOVERNMENT MERCHANT PAYMENT INSTRUMENT PROCESSING AGREEMENT (the Agreement ) is dated as of the Effective

More information

PRICING INFORMATION ADDENDUM CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT

PRICING INFORMATION ADDENDUM CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT Interest Rate and Interest Charges For Purchases P.O. Box 419001 Melbourne, FL 32941-9001 (321) 752-2222 FAX (321) 729-8161 PRICING INFORMATION ADDENDUM CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL 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

MERCHANT CARD PROCESSING AGREEMENT

MERCHANT CARD PROCESSING AGREEMENT MERCHANT CARD PROCESSING AGREEMENT This Merchant Card Processing Agreement is for merchant card payment processing services among the Merchant that signed the Merchant Application, the Merchant Bank, the

More information

Merchant e Solutions Merchant Referral Program Agreement

Merchant e Solutions Merchant Referral Program Agreement Merchant e Solutions Merchant Referral Program Agreement This Merchant e-solutions Merchant Referral Program Agreement (the Agreement ) is made and entered into as of ( Effective Date ), by and between

More information

M AINTENANCE S ERVICE A GREEMENT L ABOR O NLY

M AINTENANCE S ERVICE A GREEMENT L ABOR O NLY M AINTENANCE S ERVICE A GREEMENT L ABOR O NLY This Maintenance Service Agreement ("Agreement") is entered into as of the day of, 2002 between, (the "Client"), whose address is, and Florida Sound Engineering

More information

MERCHANT CARD PROCESSING AGREEMENT

MERCHANT CARD PROCESSING AGREEMENT MERCHANT CARD PROCESSING AGREEMENT This Merchant Card Processing Agreement is for merchant card payment processing services among the Merchant that signed the Merchant Application, the Merchant Bank, the

More information

ELITEPAY TERMS AND CONDITIONS OF SERVICE EFFECTIVE: November 15, 2014

ELITEPAY TERMS AND CONDITIONS OF SERVICE EFFECTIVE: November 15, 2014 ELITEPAY TERMS AND CONDITIONS OF SERVICE EFFECTIVE: November 15, 2014 These terms and conditions of service ("Terms of Service") apply to your use of this ElitePay payment website (the "Website") and all

More information

e.service Merchant Services

e.service Merchant Services e.service Merchant Services With Debit Card Filter for Pre-Bankruptcy Credit Counseling Payments 1) Return the following: APPLICATION INSTRUCTIONS PROGRAM CHARGES CREDIT APPLICATION INCLUDE COPY OF 501(c)(3)

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

General Terms and Conditions of Sale and Delivery BruggemannChemical U.S., Inc. Date: January 1, 2012. I. General

General Terms and Conditions of Sale and Delivery BruggemannChemical U.S., Inc. Date: January 1, 2012. I. General General Terms and Conditions of Sale and Delivery BruggemannChemical U.S., Inc. Date: January 1, 2012 I. General 1.1 The following general terms and conditions of sale and delivery (hereinafter General

More information

PLEASE NOTE: The complete BANKCARD Merchant Agreement includes these terms and conditions and an application on three (3) additional pages.

PLEASE NOTE: The complete BANKCARD Merchant Agreement includes these terms and conditions and an application on three (3) additional pages. TERMS AND CONDITIONS OF MERCHANT AGREEMENT These are the Terms and Conditions of Merchant Agreement referred to in the Merchant Processing Application ( Application ) by and between Sage Payment Solutions,

More information

GENERAL PAYMENT PROCESSING SERVICE TERMS AND CONDITIONS FOR MERCHANTS v. 1.3

GENERAL PAYMENT PROCESSING SERVICE TERMS AND CONDITIONS FOR MERCHANTS v. 1.3 GENERAL PAYMENT PROCESSING SERVICE TERMS AND CONDITIONS FOR MERCHANTS v. 1.3 1. BACKGROUND AND PURPOSE Paytrail Plc, with Business ID 2122839-7 provides payment processing services to Merchants, i.e. companies,

More information

PAYROLL SERVICE AGREEMENT. On this day of, 2016, this PAYROLL SERVICE AGREEMENT. ( Agreement ) is entered into by and between ("EMPLOYER")

PAYROLL SERVICE AGREEMENT. On this day of, 2016, this PAYROLL SERVICE AGREEMENT. ( Agreement ) is entered into by and between (EMPLOYER) PAYROLL SERVICE AGREEMENT On this day of, 2016, this PAYROLL SERVICE AGREEMENT ( Agreement ) is entered into by and between ("EMPLOYER") and WE PAY Payroll Processing Company, 3 W. Olive Street, Suite

More information

TECHNOLOGY AS A SERVICE (TAAS) PROGRAM MASTER LEASE AGREEMENT

TECHNOLOGY AS A SERVICE (TAAS) PROGRAM MASTER LEASE AGREEMENT Final TECHNOLOGY AS A SERVICE (TAAS) PROGRAM MASTER LEASE AGREEMENT THIS TAAS PROGRAM MASTER LEASE AGREEMENT ( Agreement ) is made between LiftForward, Inc. ( LiftForward ) and the undersigned customer

More information

U.S. Merchant Systems LLC MERCHANT OPERATING GUIDE A registered ISO/MSP for HSBC Bank USA, N.A. Member FDIC

U.S. Merchant Systems LLC MERCHANT OPERATING GUIDE A registered ISO/MSP for HSBC Bank USA, N.A. Member FDIC ! U.S. Merchant Systems LLC MERCHANT OPERATING GUIDE A registered ISO/MSP for HSBC Bank USA, N.A. Member FDIC IMPORTANT LEGAL DOCUMENTATION IN REFERENCE TO THE APPLICATION AND MAINTENANCE OF YOURMERCHANT

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

4. You can find rates and fees in the Pricing Schedule. The Pricing Schedule is incorporated by reference into the Merchant Agreement.

4. You can find rates and fees in the Pricing Schedule. The Pricing Schedule is incorporated by reference into the Merchant Agreement. SUMMARY OF IMPORTANT MERCHANT AGREEMENT TERMS Summarized below are certain important provisions of the Merchant Agreement to help answer certain questions you might have. You are however obligated to the

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

TERMS AND CONDITIONS FOR PAYMENT CARDS SERVICING

TERMS AND CONDITIONS FOR PAYMENT CARDS SERVICING TERMS AND CONDITIONS FOR PAYMENT CARDS SERVICING 1. TERMS AND DEFINITIONS 1.1. Authorisation is a query to check Card validity and availability of corresponding funds on the Card s account. 1.2. Card means

More information

Mobile Banking and Mobile Deposit Terms & Conditions

Mobile Banking and Mobile Deposit Terms & Conditions Mobile Banking and Mobile Deposit Terms & Conditions PLEASE CAREFULLY REVIEW THESE TERMS AND CONDITIONS BEFORE PROCEEDING: This Mobile Banking and Mobile Deposit Addendum ( Addendum ) to the Old National

More information

itransact Payment Facilitator User Agreement

itransact Payment Facilitator User Agreement itransact Payment Facilitator User Agreement This itransact Payment Facilitator User Agreement ( AGREEMENT ) is between you and The itransact Group, LLC ("VENDOR") governing your use of Vendor s payment

More information

MASTER DEALER AGREEMENT

MASTER DEALER AGREEMENT MASTER DEALER AGREEMENT DATE: PARTIES: Finco Holding Corp. (dba The Equitable Finance Company) 4124 SE 82 nd Ave Suite 650 Portland, OR 97266 ( Company ) ( Dealer ) AGREEMENT: IN CONSIDERATION, of the

More information

Terms of Use Dedicated Servers

Terms of Use Dedicated Servers Terms of Use Dedicated Servers Overview This Agreement states the terms and conditions by which GIP will deliver and Customer will receive any or all of the services provided by GIP, including dedicated

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

First Northern Bank and Trust Co. Business Online Banking Application

First Northern Bank and Trust Co. Business Online Banking Application First Northern Bank and Trust Co. Business Online Banking Application Company Name Tax ID: Address City State ZipCode Contact Name Title Phone # Email Address Fax # Please select the following services

More information

CREDIT CARD AGREEMENT AND DISCLOSURE

CREDIT CARD AGREEMENT AND DISCLOSURE M-115600 CREDIT CARD AGREEMENT AND DISCLOSURE This Agreement establishes the terms and conditions of your credit card agreement with the Credit Union. In this agreement, the words you and your mean any

More information

CCH INCORPORATED, A WOLTERSKLUWER COMPANY ACCESS AGREEMENT FOR THE

CCH INCORPORATED, A WOLTERSKLUWER COMPANY ACCESS AGREEMENT FOR THE CCH INCORPORATED, A WOLTERSKLUWER COMPANY ACCESS AGREEMENT FOR THE Accounting Research Manager INFORMATION DATABASE PROVIDED THROUGH Mayer Hoffman McCann P.C. ("AGREEMENT" OR "ACCESS AGREEMENT") IN THIS

More information

MERCHANT AGREEMENT: TERMS AND CONDITIONS

MERCHANT AGREEMENT: TERMS AND CONDITIONS MERCHANT AGREEMENT: TERMS AND CONDITIONS Subject to the requirements of applicable Card Association rules, Pivotal Payments Inc. ("ISO") and Merrick Bank may allocate their respective duties and obligations

More information

Attachment C - Commercial Card Classic Application & Agreement l JPMORGAN CHASE BANK, N.A. V 1.0_04_27_11

Attachment C - Commercial Card Classic Application & Agreement l JPMORGAN CHASE BANK, N.A. V 1.0_04_27_11 Attachment C - Commercial Card Classic Application & Agreement l JPMORGAN CHASE BANK, N.A. V 1.0_04_27_11 Client Name Address Line 1 Address Line 2 City State Zip Code Phone Fax State of Incorporation

More information

Chambers Bank Business Internet Banking Agreement

Chambers Bank Business Internet Banking Agreement Chambers Bank Business Internet Banking Agreement 1. INTRODUCTION. Chambers Bank Business Online Banking is a banking and information service that allows its Business Banking clients, via the Internet,

More information

PUBLIC PURPOSE SECURITY AGREEMENT (EQUIPMENT) PUBLIC PURPOSE SECURITY AGREEMENT dated as of,

PUBLIC PURPOSE SECURITY AGREEMENT (EQUIPMENT) PUBLIC PURPOSE SECURITY AGREEMENT dated as of, PUBLIC PURPOSE SECURITY AGREEMENT (EQUIPMENT) PUBLIC PURPOSE SECURITY AGREEMENT dated as of, ( Security Agreement ) made by, a not-for-profit corporation formed pursuant to Section of the Not-For-Profit

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

IRREVOCABLE LETTER OF CREDIT REIMBURSEMENT AGREEMENT

IRREVOCABLE LETTER OF CREDIT REIMBURSEMENT AGREEMENT 4/1/2015 IRREVOCABLE LETTER OF CREDIT REIMBURSEMENT AGREEMENT THIS AGREEMENT, dated as of, is between, an institution organized and existing under the laws of having its principal office at (the Customer

More information

MORTGAGE PARTICIPATING LENDER AGREEMENT

MORTGAGE PARTICIPATING LENDER AGREEMENT MORTGAGE PARTICIPATING LENDER AGREEMENT This Agreement, entered into this day of, by and between the South Dakota Housing Development Authority ( SDHDA ), 3060 East Elizabeth Street, Pierre, South Dakota,

More information

INDEPENDENT CONTRACTOR SERVICES AGREEMENT

INDEPENDENT CONTRACTOR SERVICES AGREEMENT INDEPENDENT CONTRACTOR SERVICES AGREEMENT THIS AGREEMENT is entered into as of this day of, 2010, by and between the CITY OF MONTROSE, State of Colorado, a Colorado home rule municipal corporation, whose

More information

CORD BLOOD FINANCIAL AND STORAGE AGREEMENT

CORD BLOOD FINANCIAL AND STORAGE AGREEMENT CORD BLOOD FINANCIAL AND STORAGE AGREEMENT THIS CORD BLOOD FINANCIAL AND STORAGE AGREEMENT ( Agreement ) is made and entered into as of the Effective Date, by and between M.A.Z.E. Cord Blood Laboratories,

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

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

Pan-American Life Insurance Company Producer Agreement

Pan-American Life Insurance Company Producer Agreement Pan-American Life Insurance Company Producer Agreement This AGREEMENT is, as applicable, by and between Pan-American Life Insurance Company with offices located at 1778 North Plano Road, Suite 310, Richardson,

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 BUSINESS CHECK CARD MASTER AGREEMENT

VISA BUSINESS CHECK CARD MASTER AGREEMENT Vea el reverso para información en español. X617 VISA BUSINESS CHECK CARD MASTER AGREEMENT This Visa Business Check Card Master Agreement (the Agreement ) establishes the terms and conditions governing

More information

Automatic Recurring Payment Application

Automatic Recurring Payment Application Automatic Recurring Payment Application Schedule your payment to be automatically charged to your credit card. Just complete and sign this form to get started! Here s How Recurring Payments Work: You authorize

More information

MERCHANT'S APPLICATION

MERCHANT'S APPLICATION Merchant Agreement This Merchant Agreement is for the provision of payment processing services to the Merchant offered by Processor, and is entered into among Merchant, Processor and Bank. The appendices,

More information

BUSINESS ONLINE BANKING AGREEMENT

BUSINESS ONLINE BANKING AGREEMENT Business Online Enrollment Fax, mail, or email completed form to: 910-576-5023 First Bank Business Support PO Box 600 Wilmington, NC 28401 BusinessSupport@LocalFirstBank.com For questions: 866-435-7208

More information

BPI SECURE PAY ecommerce MERCHANT AGREEMENT

BPI SECURE PAY ecommerce MERCHANT AGREEMENT BPI SECURE PAY ecommerce MERCHANT AGREEMENT KNOW ALL MEN BY THESE PRESENTS: This BPI Secure Pay ecommerce Merchant Agreement ( Agreement ) entered into by and between: BANK OF THE PHILIPPINE ISLANDS, a

More information

This Agreement is made between Barnard College and

This Agreement is made between Barnard College and AGREEMENT FOR CONSULTING SERVICES This Agreement is made between and contractor located at, an independent ( Consultant ). 1. General Provisions: Consultant agrees to perform the services set forth in

More information

BROKER AGREEMENT. NOW THEREFORE, in consideration of promises, covenants and agreements hereinafter contain, the parties agree as follows:

BROKER AGREEMENT. NOW THEREFORE, in consideration of promises, covenants and agreements hereinafter contain, the parties agree as follows: THIS AGREEMENT is entered into in the State of California this day of 2006, between Crestline Funding Corporation, hereinafter referred to as Crestline Funding, and, hereinafter referred to as Broker.

More information

PRIME BROKERAGE CLEARANCE SERVICES AGREEMENT SIA FORM 151

PRIME BROKERAGE CLEARANCE SERVICES AGREEMENT SIA FORM 151 Legent Clearing Account Number PRIME BROKERAGE CLEARANCE SERVICES AGREEMENT SIA FORM 151 1 LC12 07/05 Customer Agreement for Prime Brokerage Clearance Services: Customer Name: Account Number: This Agreement

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

POSTAGE METER RENTAL AGREEMENT

POSTAGE METER RENTAL AGREEMENT Page 1 of 5 POSTAGE METER RENTAL AGREEMENT 1. Postage Meter Rental. In this Postage Meter Rental Agreement (the Rental Agreement ), the words You and Your mean the customer named on the order form. We,

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 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

The Processing Agreement

The Processing Agreement The Processing Agreement THIS AGREEMENT is effective this day of, 201, by and between Intelligent ecommerce, Inc. hereinafter ATMDepot.com, 119 N El Camino Real Ste #E-136 Encinitas, CA 92024 (the "Company")

More information

THE CITY OF KIRKLAND REQUEST FOR PROPOSALS (RFP) Fine Payment Processing by Credit Card Job No. 21-15-KMC

THE CITY OF KIRKLAND REQUEST FOR PROPOSALS (RFP) Fine Payment Processing by Credit Card Job No. 21-15-KMC THE CITY OF KIRKLAND REQUEST FOR PROPOSALS (RFP) Fine Payment Processing by Credit Card Job No. 21-15-KMC The City of Kirkland is soliciting proposals from vendors interested in processing credit card

More information

Debit MasterCard BusinessCard Application

Debit MasterCard BusinessCard Application Debit MasterCard BusinessCard Application Company Name: COMPANY INFORMATION: (Please Print) Date: Street Address: City: State: Zip: Mailing Address: City: State: Zip: Contact Person: Phone Number: Tax

More information

MOBILE DEPOSIT AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT ADDENDUM

MOBILE DEPOSIT AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT ADDENDUM MOBILE DEPOSIT AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT ADDENDUM This Addendum ( Addendum ) to the Citizens State Bank of Paola Online Banking Agreement between you and Citizens State Bank of

More information