OPTIONAL PRODUCT DISCLOSURE

Size: px
Start display at page:

Download "OPTIONAL PRODUCT DISCLOSURE"

Transcription

1 OPTIONAL PRODUCT DISCLOSURE Contract Date Vehicle Make Vehicle Model VIN Dealership Name Dealership Address, City, State, and Zip Buyer s Name Co-Buyer s Name LOBEL FINANCIAL offers the following product: Debt Cancellation Agreement & GAP Waiver Disclosure where Buyer Has Insurance Guaranteed Auto Protection (GAP) NOTICE: I AM NOT REQUIRED TO PURCHASE THIS PRODUCT. ANY PURCHASE IS VOLUNTARY AND IS NOT REQUIRED TO RECEIVE AN INSTALLMENT SALE CONTRACT, LEASE, OR OBTAIN CREDIT. By signing below, I understand and acknowledge that: (1) The Debt Cancellation Agreement is not required to obtain credit and will not be a factor in the credit approval process; (2) Lobel Financial gave me the above disclosure verbally and in writing prior to execution by me of the installment sales contract identified above (the Contract ); (3) I received this written disclosure and an unexecuted copy of the Contract at the same time. Signature of Buyer Date Signature of Co-Buyer Date

2 Debt Cancellation Agreement & GAP Waiver Disclosure Where Buyer Has Insurance Guaranteed Auto Protection (GAP) Date: Buyer s Name & Address: Co-Buyer s Name & Address: Vehicle Year/Make/Model: VIN: Amount Financed: $ GAP Fee: $ Amount Financed Less GAP Fee: $ Contract Term: Contract Date: Dealership s Name & Address: Lobel Financial Page 1 of 7 Months Lobel Financial is the Holder of the Contract. Lobel Financial financed my Vehicle. The address and telephone for Lobel Financial is: GAP PROGRAM ADMINISTRATOR LOBEL FINANCIAL P.O. BOX 3000 ANAHEIM, CA PH# FAX# INTRODUCTION (a) Purpose. The Texas Finance Code (Texas law) allows a Debt Cancellation Agreement to be included in a motor vehicle retail installment sales contract involving an ordinary vehicle subject to Texas Finance Code, Chapter 348 as an itemized charge. Voluntary Election By Buyer To Purchase Guaranteed Auto Protection I understand that the purchase of Guaranteed Auto Protection (GAP) is voluntary and is not required by the Seller or Lobel Financial to obtain credit. I also understand that I may obtain GAP from an alternative source and that GAP is NOT insurance coverage. I understand that by purchasing GAP for my installment sales contract that the Seller or Lobel Financial waives (subject to the exceptions noted herein), in the event of a Total Loss, Constructive Total Loss or Unrecovered Theft, its contractual right to hold me liable for the GAP Amount, subject to the provisions and exclusions identified in this GAP Waiver Addendum. I understand that the maximum term of this Addendum shall not exceed 48 months, however, my GAP coverage is subject to the term of my installment sales contract. Buyer s dated signature is on file pursuant to the Motor Vehicle Installment Sales Contract described above. Read reverse side of this form for the Installment Sales Contract GAP Waiver Definitions, Addendum, Exclusions and Claim Requirements. Installment Sales Contract GAP Waiver Addendum In consideration for the GAP fee Lobel Financial will waive the GAP Amount due to a Total Loss, Constructive Total Loss, or Unrecovered Theft to the collateral noted herein. Lobel Financial s maximum waiver shall be the GAP Amount, including, if the collateral is protected by primary insurance, up to $1000 for the primary insurance deductible. If the collateral is not protected by primary insurance, Lobel Financial will waive only the GAP Amount by subtracting the Actual Cash Value of the covered collateral from the unpaid net balance and I will remain responsible for the Actual Cash Value of the collateral.

3 DEFINITIONS I, Me and My refers to the buyer(s). Eligible Collateral: Private passenger vehicles, four wheel autos, vans, pick-ups or light trucks not to exceed 1 ton load capacity. Vehicles used for Taxi, Limousine or Shuttle Service are excluded. GAP Amount: The difference between the primary carrier s physical damage insurance payment for a theft or total loss, or if uninsured, the collateral s Actual Cash Value, and the unpaid net balance of the Installment Sales Contract. GAP Amount waived shall not exceed $4, Total Loss or Constructive Total Loss: A loss where the cost to repair or replace the collateral would exceed the Actual Cash Value as determined by the primary insurance carrier or designated appraiser. Unrecovered Theft: The covered collateral has been reported stolen by me to both the police and primary insurance carrier, who have made every effort yet have failed, to find and return the covered collateral. Actual Cash Value: The amount determined by the primary insurance carrier at the time of loss as the value of the vehicle. However, if there is no primary insurance at the time of a loss, Actual Cash Value shall mean the retail value of the collateral using the Kelley Blue Book, with appropriate adjustments for mileage and optional equipment. Primary Insurance: In force insurance coverage, required by Lobel Financial, and carried by me to protect the covered collateral from collision and comprehensive loss, naming Lobel Financial as Lienholder. Unpaid Net Balance: The amount owed by me to payoff the outstanding installment sales contract, as of the date of loss. Unpaid net balance includes the unearned finance charge rebates, unearned insurance premium rebate and service contract rebate, if any. Delinquent Payments: Any payment that is past due as described in the contract. Late Charges: Any late charge posted the buyer s account. Repossession and Miscellaneous Fees: Any repossession or any other payment advanced in the collection of said contract. DISCLOSURE, TERMS, NOTICES and EXPLANATIONS (b) Disclosure under Texas law. (1) Delivery. The retail seller provided me with a notice that a Debt Cancellation Agreement is not required in order to purchase a motor vehicle. The notice was provided to me in a Debt Cancellation Agreement for total loss or theft of an ordinary vehicle in a separate disclosure. The notice was provided to me separately from the retail installment sales contract. (2) Multiple applicants. I understand that in the case of multiple applicants, it is only necessary for the retail seller to deliver the Debt Cancellation Agreement for total loss or theft of an ordinary vehicle notice to one applicant. (c) Authorized Debt Cancellation Agreement for total loss or theft of an ordinary vehicle provisions. (1) This is a Debt Cancellation Agreement that includes insurance coverage as part of my responsibility to Lobel. Exclusions (A) Exclusions. I understand that the debt will not be cancelled in certain situations. The situations for which the debt will not be cancelled are below. This Debt Cancellation Agreement excludes the following and fully discloses all provisions permitting the exclusion of loss or damage including, if applicable: (1) an act occurring after the original maturity date or date of Lobel Financial's acceleration of the retail installment contract; (2) any dishonest, fraudulent, illegal, or intentional act of any authorized driver that directly results in the total loss of the motor vehicle; (3) any act of gross negligence by an authorized driver that directly results in the total loss of the motor vehicle; (4) conversion, embezzlement, or concealment by any person in lawful possession of the motor vehicle; (5) lawful confiscation by an authorized Page 2 of 7

4 public official; (6) the operation, use, or maintenance of the motor vehicle in any race or speed contest; (7) war, whether or not declared, invasion, insurrection, rebellion, revolution, or an act of terrorism; (8) normal wear and tear, freezing, or mechanical or electrical breakdown or failure; (9) use of the motor vehicle for primarily commercial purposes; (10) damage that occurs after the motor vehicle has been repossessed; (11) damage to the motor vehicle before the purchase of the Debt Cancellation Agreement; (12) unpaid insurance premiums and salvage, towing, and storage charges relating to the motor vehicle; (13) damage related to any personal property attached to or within the motor vehicle; (14) damages associated with falsification of documents by any person not associated with the retail seller or other person canceling the retail buyer's obligation; (15) any unpaid debt resulting from exclusions in the retail buyer's primary physical damage coverage not included in the Debt Cancellation Agreement; (16) abandonment of the motor vehicle by the retail buyer only if the retail buyer voluntarily discards, leaves behind, or otherwise relinquishes possession of the motor vehicle to the extent that the relinquishment shows intent to forsake and desert the motor vehicle so that the motor vehicle may be appropriated by any other person; (17) any amounts deducted from the primary insurance carrier's settlement due to prior damages; and (18) any loss occurring outside the United States or outside the United States and Canada; (19) the total loss or theft results directly or indirectly from forgery or any dishonest, fraudulent or criminal act; (20) an intentional act; (21) to a vehicle that is part of a fleet that is intended for use as a public or livery conveyance. Claim Requirements (B) Seventy Five Days to Make Claim. I understand that I am required to notify Lobel Financial within 75 days, of any potential loss, total loss or theft of the Vehicle under the Debt Cancellation Agreement. (C) Documents Required to Process Claim. I understand that I must provide or complete all of the following documents and provide those documents to Lobel Financial: (i) a debt cancellation request form; (ii) proof of loss and settlement payment from the retail buyer's primary comprehensive, collision, or uninsured/underinsured motorist policy or other parties' liability insurance policy for the settlement of the insured total loss of the motor vehicle; (iii) verification of the retail buyer's primary insurance deductible; (iv) a copy of the police report, if any, filed in connection with the total loss or theft of the motor vehicle; (v) a copy of the damage estimate. Documentation not described by Subdivision (C) or required by Lobel Financial, are not required to substantiate the loss or determine the amount of debt to be canceled. (D) Inspection. I understand that even if I provide the documents above (paragraph (C)), that upon reasonable advance notice, Lobel Financial may inspect my vehicle to determine pre-damage and mileage condition upon a total loss of the vehicle; (E) Cancellation of Debt by Lobel Financial As Stated In The Debt Cancellation Agreement. LOBEL FINANCIAL WILL CANCEL CERTAIN AMOUNTS I OWE UNDER THIS CONTRACT IN THE CASE OF A TOTAL LOSS OR THEFT OF THE VEHICLE AS STATED IN THE DEBT CANCELLATION AGREEMENT. (F) Explanation of Refund Method. See section (f) below. Lobel Financial will use the method set forth in (f) to calculate the amount of a refund. (G) Explanation of Amount of Debt Canceled. See section (h) below. Lobel Financial will cancel the amount of debt using the calculation set forth in (h). (H) Debt Cancellation Agreement Not Required. I understand that the Debt Cancellation Agreement is not required to obtain credit and will not be a factor in the credit approval process; (I) Partial Loss Not Covered. I understand that a partial loss of the motor vehicle is not subject to relief under the Debt Cancellation Agreement; (J) Request by Commissioner. Lobel Financial will make its records relating to the creation, processing, and resolution of the Debt Cancellation Agreement available to the commissioner; (K) Maximum Term. The maximum term of the Debt Cancellation Agreement is set forth above in the DEFINITIONS section. Page 3 of 7

5 (L) Deductible. I understand that the Debt Cancellation Agreement may cover a portion of the deductible of the primary physical damage insurance, up to a limit of $ 1,000. (M) Tax Advisor. I understand that I should consider contacting a tax advisor regarding possible tax consequences; and (N) Notice. Notice should be given via first class mail to the addresses set forth above in the DEFINITIONS section above. (O) Severability. If any section, paragraph, sentence, clause, phrase or any part of any act passed hereafter is declared to be unconstitutional or void, or if for any reason is declared to be invalid or of no effect, the remaining sections, paragraphs, sentences, clauses, phrases or parts thereof shall be in no manner affected thereby but shall remain in full force and effect. (P) Arbitration. I understand that Lobel Financial and I may arbitrate any dispute under this agreement by giving notice to the addresses at the top of this agreement. COPY OF AGREEMENT (d) The Debt Cancellation Agreement I received included: (1) my name, and the name, address, and telephone number of the place where requests for debt cancellation are processed by Lobel Financial; (2) the amount and term of the Debt Cancellation Agreement for total loss or theft of an ordinary vehicle; (3) the cost of the Debt Cancellation Agreement for total loss or theft of an ordinary vehicle; (4) the terms, including the limitations, exclusions and restrictions; and (5) Notice that: LOBEL FINANCIAL WILL CANCEL CERTAIN AMOUNTS I OWE UNDER THIS CONTRACT IN THE CASE OF A TOTAL LOSS OR THEFT OF THE VEHICLE AS STATED IN THE DEBT CANCELLATION AGREEMENT. COMPLAINTS (e) I Understand That I May File a Complaint. I may file a complaint with the commissioner. The address, phone number, and Internet website of the Office of Consumer Credit Commissioner are below: Web: Address: Office of Consumer Credit Commissioner (OCCC) 2601 N. Lamar Blvd. Austin, Texas Direct general inquiries to or to info@occc.state.tx.us. Their toll-free Consumer Helpline number is FEES OR RATES FOR DEBT CANCELLATION (e) I agree to the fee or rate for the Debt Cancellation Agreement for total loss or theft of an ordinary vehicle. I understand that the amount charged for a Debt Cancellation Agreement made in connection with a retail installment contract will be 5% of the amount financed. This Debt Cancellation Agreement becomes a part of or a separate addendum to the retail installment contract and remains a term of the retail installment contract on the assignment, sale, or transfer by Lobel Financial. REFUNDS ON UNEARNED DEBT CANCELLATION FEES and CANCELLATION OF THIS AGREEMENT (f) Refund or credit of unearned Debt Cancellation Agreement fee. (1) Notification of cancellation triggering refund or credit. I understand that Lobel Financial requires me to notify Lobel Financial in writing should I decide to cancel the Debt Cancellation Agreement. (2) Refunding method. Upon termination of a Debt Cancellation Agreement prior to the scheduled maturity date of a retail installment sales contract, Lobel Financial will provide me a refund or credit calculated the Rule of 78s. I understand that in the event of a canceled debt under the Debt Cancellation Agreement, the fee paid for the Debt Cancellation Agreement is fully earned and no refund or credit is due. Page 4 of 7

6 (3) Cancellation date. I understand that the refund or credit of the Debt Cancellation Agreement fee, if any, is based upon the earlier date of: (A) the prepayment of the retail installment sales contract in full prior to the original maturity date; (B) a demand by Lobel Financial for payment in full of the unpaid balance or acceleration; (C) a request by the retail buyer for cancellation of the Debt Cancellation Agreement; or (D) the total denial of a debt cancellation request based on one of the exclusions contained in subsection (c)(1)(a) of this agreement, except in the case of a partial loss of the covered motor vehicle. (4) Rounding of unearned Debt Cancellation Agreement fee. I understand that the refund or credit for the Debt Cancellation Agreement can be rounded to the nearest whole dollar. (5) Refund or credit less than $ 5.00 not required. I understand that a refund or credit is not required if the amount of the refund or credit calculated is less than $ 5. (6) Flat cancellation within 30 days. If no total loss or theft has occurred, I may cancel the Debt Cancellation Agreement within 30 days from the date of the retail installment sales contract or the issuance of the Debt Cancellation Agreement, whichever is later. Upon such cancellation, Lobel Financial will refund or credit the entire Debt Cancellation Agreement fee. A retail buyer may not cancel the Debt Cancellation Agreement and then receive any benefits under the agreement. (g) Prompt cancellation under Debt Cancellation Agreement. Lobel Financial must comply with the terms of a Debt Cancellation Agreement within 60 days of receiving a debt cancellation request form and all necessary information needed by Lobel Financial to process the request. If Lobel Financial has all of the information that I would provide in the completion of a debt cancellation request form, Lobel Financial must comply with the terms of the Debt Cancellation Agreement within 60 days of receipt of all the necessary information needed by Lobel to process the request. CALCULATION OF CANCELLED DEBT (h) Calculation of amount to be cancelled under Debt Cancellation Agreement for total loss or theft of ordinary vehicle. I understand that the calculation of the amount to be canceled under this Agreement will be figured in compliance with one of the following methods: (1) Debt Cancellation Agreement for total loss or theft of ordinary vehicle that includes insurance coverage as part of retail buyer's responsibility to Lobel Financial. (A) If the retail installment sales transaction uses the scheduled installment earnings method or is a regular payment contract using the sum of the periodic balances method, Lobel Financial or administrator will calculate the amount to be canceled by: (i) adding the remaining originally scheduled installments owed by the retail buyer, including any scheduled installment that is not more than 15 days past due, on the retail installment sales contract as of the date of loss; (ii) subtracting the total loss payment made by the primary insurance carrier, or if the primary insurance has lapsed, the retail value of the motor vehicle as of the date of loss determined by an established retail value guide; (iii) subtracting any refunds received by Lobel Financial as of the date of total loss or theft in accordance with subsection (i) of this section; and (iv) subtracting the amount of any deductible amount that exceeds $ 1,000. (B) If the retail installment sales contract uses the true daily earnings method and is payable in monthly installments, Lobel Financial or administrator will calculate the amount to be canceled by: (i) computing the originally scheduled principal balance due as of the date of total loss or theft; (ii) adding the amount of accrued time price differential from the date of the last originally scheduled installment immediately preceding the total loss or theft, for a period not to exceed 46 days; (iii) subtracting the total loss payment made by the primary insurance carrier, or if the primary insurance has Page 5 of 7

7 lapsed, the retail value of the motor vehicle as of the date of loss determined by an established retail value guide; (iv) subtracting any refunds received by Lobel Financial as of the date of total loss or theft; and (v) subtracting the amount of any deductible amount that exceeds $ 1,000. (C) The total loss payment made by the primary insurance carrier to Lobel Financial is presumed to be correct in connection with the amount owed under the retail buyer's insurance policy in the event of total loss or theft. If Lobel Financial or administrator has verifiable knowledge that the total loss payment by the primary insurance carrier is inadequate under the insurance policy, Lobel Financial may dispute the amount paid by the primary insurance carrier. Lobel Financial must contact the primary insurance carrier in writing to object to the amount paid under the primary insurance policy. If the primary insurance carrier has not reasonably tendered additional funds within 30 days of the written notice, Lobel Financial or administrator may, but is not required to, deduct an amount, in lieu of the amount shown under subparagraph (A)(ii) or (B)(iii) of this paragraph, equal to the retail value of the motor vehicle as of date of loss determined by an established retail value guide. Any disputes arising from this section are subject to review by the commissioner. PREPAYMENT (i) Prepayment of retail installment sales contract by Debt Cancellation Agreement. If the Debt Cancellation Agreement is triggered by the total loss or theft of the motor vehicle, all refunds should be calculated as of the date of loss. (1) Insurance refunds and other cancelable items. Examples of refunds that should be calculated as of the date of loss include credit life premium, credit accident and health insurance premium, credit involuntary unemployment insurance premium, collateral protection insurance premium, and service contract refunds. The retail installment sales contract may permit an administrator or provider to receive any refunds that are received by Lobel Financial after the settlement of the Debt Cancellation Agreement, if those refunds were included in the amount received by Lobel Financial from the administrator. Refunds that were not part of the amount received by Lobel Financial from the administrator must be either applied to the retail buyer's account or given to the retail buyer. (2) Time price differential refund. If the retail installment sales contract uses the scheduled installment earnings method or is a regular payment contract using the sum of the periodic balances method, the time price differential refund should be calculated as of the date of loss. If the retail installment sales contract uses the true daily earnings method, Lobel Financial should not earn any time price differential charge after the date of loss. ASSIGNMENT & DELEGATION (j) Assignment and delegation. (1) The retail seller or subsequent holder (Lobel Financial) of a retail installment sales contract may not assign any of its rights under a Debt Cancellation Agreement unless Lobel Financial assigns the retail installment sales contract that the Debt Cancellation Agreement modifies. Lobel Financial may delegate its duties under a Debt Cancellation Agreement, but the delegating party remains liable for the performance it delegated and the conduct of the persons to whom the duties are delegated. (2) Good faith reliance. Lobel Financial may in good faith rely on a computation by the administrator of the balance waived, unless Lobel Financial has knowledge that the computation is not correct. If a computation by the administrator of the balance waived is not correct, Lobel Financial must, within a reasonable time of learning that the computation is incorrect, make the necessary corrections or cause the corrections to be made to the retail buyer's account. This section does not prevent Lobel Financial from obtaining reimbursement from the administrator or others responsible for the Debt Cancellation Agreement or computation. (3) For any documents relating to the creation, processing, or resolution of a Debt Cancellation Agreement, the licensee must: (A) maintain documents that Page 6 of 7

8 come into its possession; and (B) upon request by the agency, cooperate in requesting and obtaining access to documents not in its possession. (4) Paragraph (3) of this subsection also applies to a retail seller who negotiates a Debt Cancellation Agreement and subsequently assigns the retail installment sales contract. (k) Prohibited practices. A Debt Cancellation Agreement cannot be offered if: (1) The retail installment sales contract is already protected by gap insurance; (2) The purchase of the Debt Cancellation Agreement is required for the retail buyer to obtain the extension of credit. Signature of Buyer Date Signature of Co-Buyer Date //// Page 7 of 7

Guaranteed Auto Protection (GAP) Waiver Agreement

Guaranteed Auto Protection (GAP) Waiver Agreement Guaranteed Auto Protection (GAP) Waiver Agreement Contract : Borrower s Name : Borrower s Address : Vehicle Year/Make/Model : Vin# : Amount Financed : $ GAP Fee : $ Amount Financed less GAP Fee : $ Contract

More information

GUARANTEED ASSET PROTECTION WAIVER STREET ADDRESS: CITY: STATE: ZIP: SAMPLE STREET ADDRESS: CITY: STATE: ZIP:

GUARANTEED ASSET PROTECTION WAIVER STREET ADDRESS: CITY: STATE: ZIP: SAMPLE STREET ADDRESS: CITY: STATE: ZIP: GUARANTEED ASSET PROTECTION WAIVER CONTRACT NO. PURCHASER INFORMATION NAMES: EMAIL: VEHICLE INFORMATION VIN (17 Characters): New Used YEAR: MAKE: MODEL: DEALER / SELLER / INITIAL CREDITOR FINANCIAL INSTITUTION

More information

Date Dealer Rep (786) (305) Office ALL DEALS REQUIRE THE FOLLOWING DOCUMENTS. 703 Waterford Way, Suite 780 Fax Miami, FL 33126

Date Dealer Rep (786) (305) Office ALL DEALS REQUIRE THE FOLLOWING DOCUMENTS. 703 Waterford Way, Suite 780 Fax Miami, FL 33126 Date Dealer Rep Office 703 Waterford Way, Suite 780 Fax Miami, FL 33126 (786) 623 3071 (305) 842 3588 Approval** Turn Down Conditioned ALL DEALS REQUIRE THE FOLLOWING DOCUMENTS Applicant Name Co-applicant

More information

GUARANTEED ASSET PROTECTION ADDENDUM

GUARANTEED ASSET PROTECTION ADDENDUM GUARANTEED ASSET PROTECTION ADDENDUM CONTRACT NO. PURCHASER INFORMATION VEHICLE INFORMATION VIN (17 Characters): New Used YEAR: MAKE: MODEL: DEALER / SELLER INFORMATION FINANCIAL INSTITUTION INFORMATION

More information

GAP ADDENDUM. APR%: Date: (Months): Year: Make: Model: Mileage: Address: Dealer # Address: Finance Agreement # City: State: Zip:

GAP ADDENDUM. APR%: Date: (Months): Year: Make: Model: Mileage: Address: Dealer # Address: Finance Agreement # City: State: Zip: Agreement No.: CMFV-125- GAP ADDENDUM Financing Agreement Type: Installment Sale Contract Loan Lease Other The Addendum is entered into between the Customer/Borrower (You or Your) and the Dealer/Creditor

More information

GAP WAIVER ADDENDUM GREENTREE GAP SECURE SM DECLARATIONS COLLATERAL INFORMATION DEALER / LENDER INFORMATION GAP ADDENDUM CHARGE $

GAP WAIVER ADDENDUM GREENTREE GAP SECURE SM DECLARATIONS COLLATERAL INFORMATION DEALER / LENDER INFORMATION GAP ADDENDUM CHARGE $ Dealer Account #: Lender Account #: I RECEIVED, READ AND UNDERSTAND THE PAGE CONTAINING IMPORTANT DISCLOSURES AS WELL AS THE. I VOLUNTARILY ELECT TO PURCHASE THIS FOR THE CHARGE STATED ABOVE AND AGREE

More information

Ready to rent? Terms and Conditions. Florida

Ready to rent? Terms and Conditions. Florida Ready to rent? Terms and Conditions. Florida Sixt rent a car - Rental Agreement, Terms & Conditions 1. Definitions. Agreement means the Terms and Conditions on this page and the provisions found on the

More information

LOAN REPAYMENT AGREEMENT

LOAN REPAYMENT AGREEMENT LOAN REPAYMENT AGREEMENT Lender: (Called We, and Us, Our ) Borrowers: (Called You, Your ) Date of Loan: Loan Number: In this agreement, you and your mean the Borrower(s) who signs this agreement. We, us

More information

Purpose. Statutory Authority - Insurance Law, 201, 301 and 3420 and Laws of 2017, Chapter 59, Part AAA Definitions.

Purpose. Statutory Authority - Insurance Law, 201, 301 and 3420 and Laws of 2017, Chapter 59, Part AAA Definitions. RULES AND REGULATIONS OF THE STATE OF NEW YORK TITLE 11. INSURANCE DEPARTMENT Chapter III POLICY AND CERTIFICATE PROVISIONS Subchapter B. Property and Casualty Insurance Part 60. Minimum Provisions for

More information

Individual Rented Automobile Damage or Loss (Loss Damage Waiver) Insurance Policy Issued by: CHUBB NATIONAL INSURANCE COMPANY

Individual Rented Automobile Damage or Loss (Loss Damage Waiver) Insurance Policy Issued by: CHUBB NATIONAL INSURANCE COMPANY Individual Rented Automobile Damage or Loss (Loss Damage Waiver) Insurance Policy Issued by: CHUBB NATIONAL INSURANCE COMPANY The Direct Marketing Group, Inc. 9931 South 136th Street, Suite 100 Omaha,

More information

Ready to rent? Terms and Conditions. Texas

Ready to rent? Terms and Conditions. Texas Ready to rent? Terms and Conditions. Texas Sixt rent a car - Rental Agreement, Terms & Conditions 1. Definitions. Agreement means the Terms and Conditions on this page and the provisions found on the Face

More information

MANDATORY PRE-INSURANCE INSPECTI0N OF PRIVATE PASSENGER MOTOR VEHICLES

MANDATORY PRE-INSURANCE INSPECTI0N OF PRIVATE PASSENGER MOTOR VEHICLES MASSACHUSETTS MANDATORY PRE-INSURANCE INSPECTI0N OF PRIVATE PASSENGER MOTOR VEHICLES 211 CMR: DIVISION OF INSURANCE 211 CMR 94.00: SECTION 94.01: Authority 94.02: Scope and Purpose 94.03: Definitions 94.04:

More information

Recreational Vehicle Rental Agreement Class B Lexington Grand Touring RV

Recreational Vehicle Rental Agreement Class B Lexington Grand Touring RV Recreational Vehicle Rental Agreement Class B Lexington Grand Touring RV Important Disclosures: Responsibility for Damage or Loss; Reporting to Police By signing this agreement you understand and agree

More information

BUYER SELLER SELLER NUMBER Martin Ribble Green Dodge Kia Mitsubishi Subaru CITY STATE ZIP CITY STATE ZIP. Chatham IL Springfield Il 62711

BUYER SELLER SELLER NUMBER Martin Ribble Green Dodge Kia Mitsubishi Subaru CITY STATE ZIP CITY STATE ZIP. Chatham IL Springfield Il 62711 US Gap Addendum UAE0014317 This Guaranteed Asset Protection (GAP) Addendum (Addendum) dated amends 0 Your Financing Contract. This Addendum is between the Customer/Borrower (I, You, Your) and the dealer/creditor

More information

Ready to rent. Terms and Conditions. Nevada

Ready to rent. Terms and Conditions. Nevada Ready to rent. Terms and Conditions. Nevada Sixt rent a car - Rental Agreement, Terms & Conditions 1. Definitions. Agreement means the Terms and Conditions on this page and the provisions found on the

More information

VEHICLE RENTAL AGREEMENT

VEHICLE RENTAL AGREEMENT VEHICLE RENTAL AGREEMENT THIS VEHICLE RENTAL AGREEMENT ( Agreement ) is made between UNLIMITED FUN, LLC, a Connecticut limited liability company ( we, our, and us ), and you as of the date next to your

More information

RETAIL INSTALLMENT CONTRACT AND SECURITY AGREEMENT MOTOR VEHICLE. Amount Financed The amount of credit provided to you or on your behalf.

RETAIL INSTALLMENT CONTRACT AND SECURITY AGREEMENT MOTOR VEHICLE. Amount Financed The amount of credit provided to you or on your behalf. RETAIL INSTALLMENT CONTRACT AND SECURITY AGREEMENT MOTOR VEHICLE Contract Number: Date: Buyer Name and Address (Street Address) (City, State and Zip Code) Co-Buyer Name and Address (Street Address) (City,

More information

TruMark Financial Credit Union. 335 Commerce Drive Fort Washington, PA Disclosure

TruMark Financial Credit Union. 335 Commerce Drive Fort Washington, PA Disclosure Equity Access Card 335 Commerce Drive Fort Washington, PA 19034 Disclosure Transactions which can be made using your TruMark Financial Equity Access Card are indicated below. Please read this disclosure

More information

POLICY & PROCEDURES FOR: GAP Claims Process. Effective Date of Policy: 07/01/03

POLICY & PROCEDURES FOR: GAP Claims Process. Effective Date of Policy: 07/01/03 POLICY & PROCEDURES FOR: GAP Claims Process Effective Date of Policy: 07/01/03 Table of Contents GAP CLAIMS PROCESSING... 2 CLAIM PROCESS STEP ONE... 2 Supporting Document Listing...2 CLAIM PROCESS STEP

More information

MASSACHUSETTS AUTO ENDORSEMENT

MASSACHUSETTS AUTO ENDORSEMENT **THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY** MASSACHUSETTS AUTO ENDORSEMENT This endorsement changes certain parts of your Auto Policy. Every coverage, exclusion, definition and rule

More information

Illinois Compiled Statutes Business Transactions Retail Installment Sales Act 815 ILCS 405/

Illinois Compiled Statutes Business Transactions Retail Installment Sales Act 815 ILCS 405/ Illinois Compiled Statutes Business Transactions Retail Installment Sales Act 815 ILCS 405/ (815 ILCS 405/) (815 ILCS 405/1) Sec. 1. This Act may be cited as the Retail Installment Sales Act. (Source:

More information

How Auto Rental Collision Damage Waiver works with other insurance. How to use Auto Rental Collision Damage Waiver

How Auto Rental Collision Damage Waiver works with other insurance. How to use Auto Rental Collision Damage Waiver Your Guide to Benefit describes the benefit in effect as of 4/1/17. Benefit information in this guide replaces any prior benefit information You may have received. Please read and retain for Your records.

More information

TRUCKERS ENDORSEMENT

TRUCKERS ENDORSEMENT POLICY NUMBER: COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TRUCKERS ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE

More information

Administrator - Uniform Consumer Credit Code and Commission on Consumer Credit

Administrator - Uniform Consumer Credit Code and Commission on Consumer Credit DEPARTMENT OF LAW Administrator - Uniform Consumer Credit Code and Commission on Consumer Credit UNIFORM CONSUMER CREDIT CODE RULES 4 CCR 902-1 [Editor s Notes follow the text of the rules at the end of

More information

MISSISSIPPI LEGISLATURE REGULAR SESSION 2018

MISSISSIPPI LEGISLATURE REGULAR SESSION 2018 MISSISSIPPI LEGISLATURE REGULAR SESSION 2018 By: Senator(s) Parks To: Business and Financial Institutions; Insurance SENATE BILL NO. 2929 (As Sent to Governor) AN ACT TO CREATE NEW CHAPTER 52, TITLE 83,

More information

Visa USA Personal Auto Rental Collision Damage Waiver Program Personal

Visa USA Personal Auto Rental Collision Damage Waiver Program Personal Home Personal Small Business Merchants Mid-Size & Large Companies Government Search: Find a Card Using Visa Discounts Visa Security & Protection Visa Student Visa Brings You Visa Signature Card Advisor

More information

Private Party Purchase Cover Sheet

Private Party Purchase Cover Sheet Private Party Purchase Cover Sheet To: Lending Operations From: FARM BUREAU AGENT E-mail: LendingFax@farmbureaubank.com Contact Number: ( ) - Fax: 800.499.4950 Email: farmbureau@agent.com Date: Total Number

More information

AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT

AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL I. The TASB Risk Management Fund (Fund) provides coverage as outlined in this Automobile Liability & Physical Damage Coverage Agreement.

More information

MOTOR TRADERS SECTION

MOTOR TRADERS SECTION MOTOR TRADERS SECTION Definitions The following definitions apply to the words or terms listed below wherever they appear in this section unless specifically otherwise indicated. 1. The Vehicle - shall

More information

M.S.P.F. No. 4 - MANITOBA STANDARD GARAGE AUTOMOBILE POLICY (Owner's Form)

M.S.P.F. No. 4 - MANITOBA STANDARD GARAGE AUTOMOBILE POLICY (Owner's Form) M.S.P.F. No. 4 - MANITOBA STANDARD GARAGE AUTOMOBILE POLICY (Owner's Form) INSURING AGREEMENTS In consideration of the payment of the premium specified and of the statements contained in the application

More information

Credit Card Agreement

Credit Card Agreement 2 single number (for example, 1111 ) or consecutive numbers. PINs should also not be based on or include your birth date, zip code or Account number. Do not write your PIN on your Card and do not keep

More information

TOWING & STORAGE LIENS. (Rev. 7/9/2015)

TOWING & STORAGE LIENS. (Rev. 7/9/2015) TOWING & STORAGE LIENS (Rev. 7/9/2015) 1 This explanation is designed to provide reasonably accurate and authoritative information in regard to the subject matter covered. It is provided to the members

More information

MECHANICAL PROTECTION PLAN (MPP)

MECHANICAL PROTECTION PLAN (MPP) MECHANICAL PROTECTION PLAN (MPP) STATE SPECIFIC DISCLOSURES Some states in which this Agreement is sold require certain additional disclosures or require amendments to the terms and conditions above. These

More information

DATA COMPROMISE COVERAGE FORM

DATA COMPROMISE COVERAGE FORM DATA COMPROMISE DATA COMPROMISE COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout

More information

Drive ago LLC Member Agreement

Drive ago LLC Member Agreement Drive ago LLC Member Agreement The following Agreement are hereby agreed to between Drive ago LLC, a Delaware Limited Liability Company ( ago ), and the Member whose name and address is set forth on the

More information

MINNESOTA PERSONAL INJURY PROTECTION

MINNESOTA PERSONAL INJURY PROTECTION POLICY NUMBER: COMMERCIAL AUTO CA 22 25 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA PERSONAL INJURY PROTECTION For a covered "auto" licensed or principally garaged in,

More information

Auto Rental Collision Damage Waiver YOUR GUIDE TO CARD BENEFIT M visa.com

Auto Rental Collision Damage Waiver YOUR GUIDE TO CARD BENEFIT M visa.com visa.com 00001057411 M-124767 YOUR GUIDE TO CARD BENEFIT Your Guide to Benefit describes the benefit in effect as of 6/1/18. Benefit information in this guide replaces any prior benefit information You

More information

New York Private Passenger Auto Insurance Policy

New York Private Passenger Auto Insurance Policy New York Private Passenger Auto Insurance Policy 5630 University Parkway PO Box 3199 Winston-Salem NC 27102-3199 Integon National Insurance Company 581-2 (01012011) NY PP Auto Policy Integon Casualty Insurance

More information

Ready to rent? Terms and Conditions. Florida

Ready to rent? Terms and Conditions. Florida Ready to rent? Terms and Conditions. Florida Sixt rent a car - Rental Agreement, Terms & Conditions 1. Definitions. Agreement means the Terms and Conditions on this page and the provisions found on the

More information

Des Plaines, IL PERSONAL AUTOMOBILE INSURANCE POLICY IMPORTANT

Des Plaines, IL PERSONAL AUTOMOBILE INSURANCE POLICY IMPORTANT Des Plaines, IL PERSONAL AUTOMOBILE INSURANCE POLICY IMPORTANT NOTIFY THE COMPANY IMMEDIATELY OF EVERY ACCIDENT AT: 1001 E. TOUHY AVENUE, SUITE 200 DES PLAINES, IL 60018 847-635-5600 DELAY IN GIVING NOTICE

More information

TITLE LOAN AGREEMENT

TITLE LOAN AGREEMENT Borrower(s): Name: Address: Motor Vehicle: Year Color Make TITLE LOAN AGREEMENT Lender: Drivers License Number VIN Title Certificate Number Model Date of Loan ANNUAL PERCENTAGE RATE The cost of your credit

More information

LOUISIANA DEPARTMENT OF INSURANCE STATEMENT OF COMPLIANCE POLICY FORM / RATE / ADVERTISING FILING

LOUISIANA DEPARTMENT OF INSURANCE STATEMENT OF COMPLIANCE POLICY FORM / RATE / ADVERTISING FILING LOUISIANA DEPARTMENT OF INSURANCE STATEMENT OF COMPLIANCE POLICY FORM / RATE / ADVERTISING FILING Insurer Name: Product Code: P0302-010000 NAIC #: Company Tracking #: Policy Holder Type: Filing Submission

More information

Monsoon Production Services, LLC Lease/Rental Agreement Terms and Conditions

Monsoon Production Services, LLC Lease/Rental Agreement Terms and Conditions Monsoon Production Services, LLC Lease/Rental Agreement Terms and Conditions Indemnity. Lessee/Renter ( You ) agree to defend, indemnify, and hold Monsoon Production Services, LLC, their officers, employees

More information

RETAIL INSTALMENT CREDIT AGREEMENT ( RETAIL CHARGE)

RETAIL INSTALMENT CREDIT AGREEMENT ( RETAIL CHARGE) RETAIL INSTALMENT CREDIT AGREEMENT ( RETAIL CHARGE) Luther Credit Terms & Conditions 1. PROMISE TO PAY: You (meaning each applicant and co-applicant for credit identified on the application which is incorporated

More information

Government Employees Insurance Company Executive Summary Late Update 2/18/2010

Government Employees Insurance Company Executive Summary Late Update 2/18/2010 Government Employees Insurance Company Executive Summary Late Update 2/18/2010 Initial Filing May 18, 2009 Policy Changes Towing and Labor replaced by Mechanical Breakdown Insurance (Part 13) 5. Your Auto

More information

The information that follows includes important information about the cost of credit and the interest rates that apply to your account.

The information that follows includes important information about the cost of credit and the interest rates that apply to your account. Terms and Conditions of the Bill Me Later Payment System Bill Me Later is an open-end credit plan offered by WebBank, Salt Lake City, Utah ( the Lender ). IF YOU DO NOT HAVE A BILL ME LATER ACCOUNT, by

More information

Varies by State from 17% to 23%.

Varies by State from 17% to 23%. The table immediately below is provided for illustrative purposes only and the consumer will receive a table with their specific terms prior to the first transactions on the account. Interest Rate and

More information

What is a Product Disclosure Statement? Definitions Your Duty Of Disclosure Permitted Use Of The Car Types Of Cover...

What is a Product Disclosure Statement? Definitions Your Duty Of Disclosure Permitted Use Of The Car Types Of Cover... Contents What is a Product Disclosure Statement?... 2 Definitions... 3 Your Duty Of Disclosure... 4 Permitted Use Of The Car... 5 Types Of Cover...6-8 General Exclusions Applying To The Whole Policy...

More information

Ontario Automobile Policy

Ontario Automobile Policy Ontario Automobile Policy (OAP 1) Owner s Policy Approved by the Superintendent of Financial Services for use as the standard Owner s Policy on or after September 01, 2010. This Booklet includes several

More information

MOTOR TRADERS EXTERNAL RISK

MOTOR TRADERS EXTERNAL RISK MOTOR TRADERS EXTERNAL RISK Sub-section A (Loss or damage) Defined Events Loss of or damage to any vehicle as defined herein, the property of the insured or in his custody or control (excluding any vehicle

More information

APPENDIX M - RETAIL INSTALLMENT SALES ACT

APPENDIX M - RETAIL INSTALLMENT SALES ACT APPENDIX M - RETAIL INSTALLMENT SALES ACT Chapter 16C. RETAIL INSTALLMENT SALES Section 17:16C-1 Definitions. 17:16C-2 License required; exception. 17:16C-3 Application for license; form and content. 17:16C-4

More information

DEALER FUNDING CHECKLIST Effective 10/15/14 PLEASE NOTE: ALL PAPERWORK SHOULD BE ASSIGNED TO PELICAN AUTO FINANCE, LLC Original Approval Sheet

DEALER FUNDING CHECKLIST Effective 10/15/14 PLEASE NOTE: ALL PAPERWORK SHOULD BE ASSIGNED TO PELICAN AUTO FINANCE, LLC Original Approval Sheet DEALER FUNDING CHECKLIST Effective 10/15/14 PLEASE NOTE: ALL PAPERWORK SHOULD BE ASSIGNED TO PELICAN AUTO FINANCE, LLC Original Approval Sheet o Amount financed on Approval must be within $25 of contracted

More information

Visa Card Auto Rental Collision Damage Waiver

Visa Card Auto Rental Collision Damage Waiver Your Guide to Benefit describes the benefit in effect as of 4/1/16. Benefit information in this guide replaces any prior benefit information you may have received. Please read and retain for your records.

More information

Synovus Classic & Cash Rewards Visa Guide to Benefits

Synovus Classic & Cash Rewards Visa Guide to Benefits Synovus Classic & Cash Rewards Visa Guide to Benefits Auto Rental Collision Damage Waiver AUTO RENTAL COLLISION DAMAGE WAIVER What is the Auto Rental Collision Damage Waiver ( Auto Rental CDW ) benefit?

More information

TARIFF TARIFF.

TARIFF TARIFF. Page 1 of 6 home tariff contact TARIFF TARIFF EFFECTIVE SEPTEMBER 1, 2016 Schedule of Charges (all charges levied on per bale basis unless otherwise indicated) Per Bale Brownfield Compress Hale County

More information

OUTDOORSY RECREATIONAL VEHICLE (RV) PHYSICAL DAMAGE INSURANCE INSURANCE AGREEMENT. Policy P

OUTDOORSY RECREATIONAL VEHICLE (RV) PHYSICAL DAMAGE INSURANCE INSURANCE AGREEMENT. Policy P OUTDOORSY RECREATIONAL VEHICLE (RV) PHYSICAL DAMAGE INSURANCE Policy P04648 2017 Policy Period: From: 23 rd March 2017 To: 23 rd March 2018 Coverages: USD 250,000 Any One Vehicle. USD 5,000,000 Any One

More information

S.P.F. 6 - SUPPLEMENTARY NON-OWNED AUTOMOBILE LIABILITY (Uniform Provinces)

S.P.F. 6 - SUPPLEMENTARY NON-OWNED AUTOMOBILE LIABILITY (Uniform Provinces) S.P.F. 6 - SUPPLEMENTARY NON-OWNED AUTOMOBILE LIABILITY (Uniform Provinces) This insurance applies only when a Limit of Insurance is indicated on the Declaration Page(s). The limits, terms, provisions

More information

CONDITIONS APPLICABLE TO RENTAL AGREEMENT WITH CANADREAM INC.

CONDITIONS APPLICABLE TO RENTAL AGREEMENT WITH CANADREAM INC. . To the Guest, These conditions outline your responsibilities relating to the Vehicle (defined as recreational vehicles including all motorhomes, truck and camper units and van conversions), and limits

More information

Visa Rate Advantage/Rate Advantage Secured Credit Card BENEFITS GUIDE

Visa Rate Advantage/Rate Advantage Secured Credit Card BENEFITS GUIDE Visa Rate Advantage/Rate Advantage Secured Credit Card BENEFITS GUIDE Please retain this guide for the future. It describes in detail some of the important benefits available to you as a member. Note:

More information

AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL

AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL I. The TASB Risk Management Fund (Fund) provides coverage as outlined in this Automobile Liability & Physical Damage Coverage Agreement.

More information

SUMMARY OF IMPORTANT CREDIT TERMS. This APR will vary with the market based on the Prime Rate.

SUMMARY OF IMPORTANT CREDIT TERMS. This APR will vary with the market based on the Prime Rate. SUMMARY OF IMPORTANT CREDIT TERMS Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Platinum Card 11.49% Platinum Rewards Card 13.49% APR for Cash Advances 11.49% APR for Balance

More information

59 Maiden Lane, 6 th Floor, New York, NY Blanket Single Interest Policy Declarations

59 Maiden Lane, 6 th Floor, New York, NY Blanket Single Interest Policy Declarations 59 Maiden Lane, 6 th Floor, New York, NY 10038 Blanket Single Interest Policy Declarations These Declarations, together with the Policy and Endorsements attached hereto, comprise the complete Policy. Insured:

More information

7.74% to 9.74% based on your creditworthiness.

7.74% to 9.74% based on your creditworthiness. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 7.74% to 9.74% based on your creditworthiness. These APRs will vary with the market based on Prime Rate. (For upgraded existing

More information

Your Guide to Card Benefits

Your Guide to Card Benefits Your Guide to Card Benefits Your Guide to Card Benefits ( Guide ) describes the benefits in effect as of 10/1/17. Benefit information in this guide replaces any prior benefit information you may have received.

More information

Presentation Slides. Lesson Nine. Cars and Loans 04/09

Presentation Slides. Lesson Nine. Cars and Loans 04/09 Presentation Slides $ Lesson Nine Cars and Loans 04/09 costs of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit)

More information

Correlation Table. 1 (1) - Definitions 1 (5) - Definitions 1 (2) - Interpretation Act applies 1 (1) - Interpretation Act applies

Correlation Table. 1 (1) - Definitions 1 (5) - Definitions 1 (2) - Interpretation Act applies 1 (1) - Interpretation Act applies Correlation Table Agreement dated 7 th February 2003 Clause 1 - General interpretation Clause 1 - Interpretation and definitions 1 (1) - Definitions 1 (5) - Definitions 1 (2) - Interpretation Act applies

More information

CA Policy Comparisons

CA Policy Comparisons CA 00 01 Policy Comparisons CA 00 01 10 01 Form # CA 00 01 03 06 October 2001 Form Date March 2006 Occurrence Policy Type Occurrence Various provisions in this policy restrict coverage. Read the entire

More information

VISA AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE Sep 12, Certificate of Insurance

VISA AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE Sep 12, Certificate of Insurance VISA AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE Sep 12, 2017. Certificate of Insurance Please read this certificate carefully. It outlines what Collision/Loss Damage Insurance is and what is covered along

More information

Title 10: COMMERCE AND TRADE

Title 10: COMMERCE AND TRADE Title 10: COMMERCE AND TRADE Chapter 229: guaranteed asset protection waivers Table of Contents Part 3. REGULATION OF TRADE... Section 1500-H. GUARANTEED ASSET PROTECTION WAIVERS (WHOLE SECTION CONFLICT:

More information

MIKE S BIKES and TOURS

MIKE S BIKES and TOURS MIKE S BIKES and TOURS BICYCLE RENTAL / TOUR AGREEMENT This Bicycle ( Bike ) Rental Agreement ( Agreement ) is made between Mike s Bikes and Tours, Austin, Texas, USA, ( Owner ) and ( your name here ),

More information

BUSINESS MASTERCARD CARDHOLDER DISCLOSURE AND AGREEMENT STANDARD AND CASH REWARDS MASTERCARDS

BUSINESS MASTERCARD CARDHOLDER DISCLOSURE AND AGREEMENT STANDARD AND CASH REWARDS MASTERCARDS BUSINESS MASTERCARD CARDHOLDER DISCLOSURE AND AGREEMENT STANDARD AND CASH REWARDS MASTERCARDS This Business MasterCard Disclosure and Agreement sets forth the terms of your Account and includes this document,

More information

ROAMRIGHT AUTO RENTAL INSURANCE. Underwritten By: Arch Insurance Company Administrative Office: 300 Plaza Three Jersey City, NJ 07311

ROAMRIGHT AUTO RENTAL INSURANCE. Underwritten By: Arch Insurance Company Administrative Office: 300 Plaza Three Jersey City, NJ 07311 RoamRight is a registered trade name and brand used by Arch Insurance Company and is owned by Arch Capital Group (U.S.) Inc. All insurance products are offered and underwritten by Arch Insurance Company.

More information

Thank you for your interest in signing up with Greater Access Financial. Enclosed you will find the following:

Thank you for your interest in signing up with Greater Access Financial. Enclosed you will find the following: 1766 W. San Carlos Street San Jose, CA 95128 408-282-9931 phone 408-282-9932 fax Thank you for your interest in signing up with Greater Access Financial. Enclosed you will find the following: Dealer Application

More information

MOTOR INSURANCE (TRANSLATION ONLY) GENERAL CONDITIONS

MOTOR INSURANCE (TRANSLATION ONLY) GENERAL CONDITIONS MOTOR INSURANCE (TRANSLATION ONLY) GENERAL CONDITIONS Subject to coverage, conditions and exclusions of this policy and endorsements attached to this policy, the Company agrees with the Insured as follows:

More information

MOTOR INSURANCE (TRANSLATION ONLY) GENERAL CONDITIONS

MOTOR INSURANCE (TRANSLATION ONLY) GENERAL CONDITIONS MOTOR INSURANCE (TRANSLATION ONLY) GENERAL CONDITIONS Subject to coverage, conditions and exclusions of this policy and endorsements attached to this policy, the Company agrees with the Insured as follows:

More information

TRI-COUNTY SATELLITE T.V., INC. D/B/A ICONNECTYOU TERMS AND CONDITIONS FOR HIGH SPEED INTERNET SERVICE

TRI-COUNTY SATELLITE T.V., INC. D/B/A ICONNECTYOU TERMS AND CONDITIONS FOR HIGH SPEED INTERNET SERVICE Page 1 of 5 TRI-COUNTY SATELLITE T.V., INC. D/B/A ICONNECTYOU TERMS AND CONDITIONS FOR HIGH SPEED INTERNET SERVICE 1. Agreement. Your Service Agreement ( Agreement ) with Tri-County Satellite T.V., Inc.

More information

STAFF LEASING AGREEMENT

STAFF LEASING AGREEMENT STAFF LEASING AGREEMENT Upon the parties voluntarily entering into this Staff Leasing Agreement (hereinafter Agreement ) for the joint employment of labor entered into and effective upon the date specified

More information

Oasis Warehouse, LLC.

Oasis Warehouse, LLC. T A R I F F EFFECTIVE SEPTEMBER 1, 2015 Oasis Warehouse, LLC. Seminole, Texas Warehouse Code: 937535 816 County Road 331 Seminole, Texas 79360 Tommy Clodfelter, Warehouse Manager Telephone: (432) 758-2786

More information

BECU Business Credit Card Agreement and Disclosures

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 ( Business

More information

One Credit Union Plaza P.O. Box 1450 Corning, New York or

One Credit Union Plaza P.O. Box 1450 Corning, New York or One Credit Union Plaza P.O. Box 1450 Corning, New York 14830-1050 607-962-3144 or 800-677-8506 www.corningcu.org VISA CLASSIC AND VISA PLATINUM CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSURE RETAIL

More information

FARM BUREAU BOAT OWNERS POLICY CU 471 (10/98) AGREEMENT DEFINITIONS

FARM BUREAU BOAT OWNERS POLICY CU 471 (10/98) AGREEMENT DEFINITIONS 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 FARM BUREAU BOAT OWNERS POLICY CU 471 (10/98)

More information

MANAGED. deviations. received by. NGM within % down. B. Notice. for rating.

MANAGED. deviations. received by. NGM within % down. B. Notice. for rating. MANAGED COMPETITION NGM Insurance Company utilizes the Automobile Insurers Bureau of Massachusetts (AIB) advisory rule manual effective April 1, 2018 as its base manual. NGM files company specific rates

More information

15.90% Classic MasterCard. Interest Rates and Interest Charge Annual Percentage Rate (APR) for Purchases

15.90% Classic MasterCard. Interest Rates and Interest Charge Annual Percentage Rate (APR) for Purchases Classic MasterCard Interest Rates and Interest Charge Annual Percentage Rate (APR) for Purchases 15.90% APR for Balances Transfers APR for Cash Advances Grace Period for Repayment of Balances for Purchases

More information

Program Manager: TRADERS INSURANCE CONNECTION, INC Troost, Kansas City, MO 64131

Program Manager: TRADERS INSURANCE CONNECTION, INC Troost, Kansas City, MO 64131 ARKANSAS PERSONAL AUTO POLICY SPECIAL POLICY FORM FOR PERSONS WHO DO NOT OWN AN AUTOMOBILE The coverage provided by this policy varies from a policy provided to a person who owns an automobile. Please

More information

Credit Limit Requested $

Credit Limit Requested $ Credit Limit Requested $ o Sole Proprietorship o Corporation o Partnership o Limited Partnership o Non-Profit o Limited Liability Company Items Needed to Process your Application o Authorization/Company

More information

ALAMO RENTAL AGREEMENT TERMS AND CONDITIONS

ALAMO RENTAL AGREEMENT TERMS AND CONDITIONS ALAMO RENTAL AGREEMENT TERMS AND CONDITIONS Renter s signature on the front of the Rental Agreement ( Agreement ), or by clicking the I Accept button at a rental kiosk or via an internet rental, or via

More information

ATSMB / Adventure Travel Sport Rentals Agreement Tiger

ATSMB / Adventure Travel Sport Rentals Agreement Tiger ATSMB / Adventure Travel Sport Rentals Agreement Tiger This rental agreement ( Agreement ) is made effective as of by and between ATSMB / Matt Alfermann, Gaylord Thompson, and Crystal Thompson. ( Company

More information

AMERICAN EXPRESS CHARGE CARDS TERMS & CONDITIONS

AMERICAN EXPRESS CHARGE CARDS TERMS & CONDITIONS AMERICAN EXPRESS CHARGE CARDS TERMS & CONDITIONS American Express Charge Cards THE PARTIES TO THE AGREEMENT The parties to this Cardmember Agreement (the "Agreement") are AMEX (Middle East) B.S.C. (c)

More information

Referred to Committee on Transportation. SUMMARY Revises provisions concerning short-term leases of passenger cars. (BDR )

Referred to Committee on Transportation. SUMMARY Revises provisions concerning short-term leases of passenger cars. (BDR ) ASSEMBLY BILL NO. ASSEMBLYMAN OCEGUERA FEBRUARY, 00 Referred to Committee on Transportation A.B. SUMMARY Revises provisions concerning short-term leases of passenger cars. (BDR -) FISCAL NOTE: Effect on

More information

General Rental Conditions for motorhome rental in Greece

General Rental Conditions for motorhome rental in Greece General Rental Conditions for motorhome rental in Greece Dear customer, With the conclusion of an agreement for the booking of a camper van, the following general terms and conditions, in as far effectively

More information

QUÉBEC AUTOMOBILE INSURANCE POLICY FORM (Q.P.F.) No. 4 Garage Form

QUÉBEC AUTOMOBILE INSURANCE POLICY FORM (Q.P.F.) No. 4 Garage Form QUÉBEC AUTOMOBILE INSURANCE POLICY FORM (Q.P.F.) No. 4 Garage Form Q.P.F. No. 4 1 April 1 st, 2018 TABLE OF CONTENTS INTRODUCTION... 5 1. DOCUMENTS INCLUDED IN INSURANCE CONTRACT... 5 2. OBLIGATION TO

More information

AIRPORT HANGAR LICENSE AGREEMENT

AIRPORT HANGAR LICENSE AGREEMENT AIRPORT HANGAR LICENSE AGREEMENT This Hangar License Agreement ( Agreement ) is made and entered into this day of 2011, by and between the City of Cloverdale, hereinafter referred to as City and (name

More information

Ancillary Products Claims Manual

Ancillary Products Claims Manual Ancillary Products Claims Manual Portfolio 25541 Commercentre Dr., Suite 100, Lake Forest, CA 92630 Claims: Phone 877.705.4001 Fax 480.897.7516 Email: Claims@Portfolioco.com www.claims.portfolioco.com

More information

GAP Procedure Manual

GAP Procedure Manual GAP Procedure Manual Effective January 2004 GAP Procedure Manual Table of Contents Introduction... 1 Underwriting Guidelines... 2-6 Purchased or Leased Vehicles... 2 Examples of Ineligible Vehicles...

More information

VEHICLE & EQUIPMENT BAILMENT AGREEMENT

VEHICLE & EQUIPMENT BAILMENT AGREEMENT Page 1 of 13 Parties Line Haul Pty Limited ABN 75 077 642 221 Vehicles and Trailers Xmas Pty Limited ABN 56 003 220 906 Financial Services Computer Equipment Febtay Pty Limited ABN 88 054 961 901 Vehicles

More information

IC Repealed (As added by P.L , SEC.12. Amended by P.L , SEC.16; P.L , SEC.20. Repealed by P.L , SEC.379.

IC Repealed (As added by P.L , SEC.12. Amended by P.L , SEC.16; P.L , SEC.20. Repealed by P.L , SEC.379. IC 9-22-3 Chapter 3. Salvage Motor Vehicles IC 9-22-3-0.5 (As added by P.L.219-2005, SEC.12. Amended by P.L.150-2009, SEC.16; P.L.259-2013, SEC.20. by P.L.198-2016, SEC.379.) IC 9-22-3-1 Guidelines for

More information

Tow Trucks/Wreckers Supplemental Application (Complete in addition to the Commercial Automobile Application)

Tow Trucks/Wreckers Supplemental Application (Complete in addition to the Commercial Automobile Application) Home Office: One Nationwide Plaza Columbus, Ohio 43215 Administrative Office: 8877 rth Gainey Center Drive Scottsdale, Arizona 85258 1-800-423-7675 Fax (480) 483-6752 Tow Trucks/Wreckers Supplemental Application

More information

EAGLERIDER TERMS & CONDITIONS

EAGLERIDER TERMS & CONDITIONS EAGLERIDER TERMS & CONDITIONS The term this Agreement refers to the rental terms set forth above, these Terms and Conditions and all attachments, addendum, releases, acknowledgments, policies, agreements

More information

TOWN OF NORFOLK Automobile Use Policy 1/15

TOWN OF NORFOLK Automobile Use Policy 1/15 TOWN OF NORFOLK Automobile Use Policy 1/15 I. PURPOSE AND SCOPE The purpose of this policy is to set forth the guidelines for reimbursement or compensation for employee use of personal vehicles; the guidelines

More information

R.M.I.S. ROBERT MORENO INSURANCE SERVICES SAVI RANCH PARKWAY YORBA LINDA, CA PHONE:

R.M.I.S. ROBERT MORENO INSURANCE SERVICES SAVI RANCH PARKWAY YORBA LINDA, CA PHONE: R.M.I.S. ROBERT MORENO INSURANCE SERVICES 22860 SAVI RANCH PARKWAY YORBA LINDA, CA 92887 PHONE: 714-738-1383 213-383-5590 Harco National Insurance Company Private Passenger Auto Program - General Rules

More information