HOME EQUITY LINE OF CREDIT (REVOLVING)

Size: px
Start display at page:

Download "HOME EQUITY LINE OF CREDIT (REVOLVING)"

Transcription

1 HOME EQUITY LINE OF CREDIT (REVOLVING) Important Terms of Our Home Equity Line of Credit Your Billing Rights This disclosure contains important information about our Home Equity Lines of Credit. You should read it carefully and keep a copy for your records. Availability of Terms: All of the terms described below are subject to change. If these terms change (other than the annual percentage rate) and you decide, as a result, not to enter into an agreement with us, you are entitled to a refund of any fees you paid to us or anyone else in connection with your application. Security Interest: We will take a mortgage on your home. You could lose your home if you do not meet the obligations in your agreement with us. Possible Actions: We can terminate your line and require you to pay us the entire outstanding balance in one payment if: You engage in fraud or material misrepresentation in connection with the line. You do not meet payment terms. Your action or inaction adversely affects the collateral or our rights in the collateral. We can refuse to make additional extensions of credit or reduce your credit limit if: The value of the dwelling securing the line declines significantly below its appraised value for the purposes of the line. We reasonably believe you will not be able to meet the repayment requirements due to a material change in your financial circumstances. You are in default of a material obligation in the agreement. Government action prevents us from imposing the annual percentage rate provided for or impairs our security interest such that the value of the interest is less than 120 percent of the credit line. A regulatory agency has notified us that continued advances would constitute an unsafe and unsound practice. The maximum annual percentage rate is reached. The initial agreement permits us to make certain changes to the terms of the agreement at specified times or upon the occurrence of specified events. Keep This Notice for Future Use This notice contains important information about your rights and responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your Bill If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, please provide the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Minimum Requirements: The length of the draw period of the one-year loan is one year, the five-year loan is five years and the 10-year loan is 10 years, during which you will be able to obtain credit advances. s will be due monthly on all of the loan terms. Your minimum monthly payment will be equal to the accrued interest outstanding on the loan. The minimum payment WILL NOT fully repay the principal that is outstanding on your line. You would then be required to pay the entire balance plus accrued finance charges in a single balloon payment. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don t follow these rules, we can t collect the first $50.00 of the questioned amount, even if your bill was correct. Rev. 1/2018

2 HOME EQUITY LINE OF CREDIT (REVOLVING) Minimum Examples: 1-Year Term: If you made only the minimum payment and took no other credit advances, it would take 1 year to pay off a credit advance of $ at an ANNUAL PERCENTAGE RATE OF 4.50%. You would make 11 monthly payments of $37.50 during the draw period. You would then make a final balloon payment of $10, Year Term: If you made only the minimum payment and took no other credit advances, it would take 5 years to pay off a credit advance of $ at an ANNUAL PERCENTAGE RATE OF 4.50%. You would make 59 monthly payments of $37.50 during the draw period. You would then make a final balloon payment of $10, Year Term: If you made only the minimum payment and took no other credit advances, it would take 10 years to pay off a credit advance of $ at an ANNUAL PERCENTAGE RATE OF 4.50%. You would make 119 monthly payments of $37.50 during the draw period. You would then make a final balloon payment of $10, Fees and Charges: You must carry insurance on the property that secures this plan. To open a home equity line of credit, you may have to pay the following fees to us: Loan origination fee 0.00% to 1.00%. Third-party fees generally total between $50.00 and $1, All fees are due at account opening. If you ask, we will give you an itemization of the fees you will have to pay in connection with your loan request. Tax Deductibility: You should consult a tax advisor regarding the deductibility of interest and charges for the line. Variable- Feature: This plan has a variable-rate feature and the annual percentage rate (corresponding to the periodic rate) and minimum payment can change as a result. The annual percentage rate includes only interest and no other costs. The annual percentage rate is based on the value of an index. Description of index: The index is the JPMorgan Chase Bank prime lending rate. Source of index: The index is as quoted by JPMorgan Chase Bank principal office in New York City, or jpmorganchase.com. If the index is no longer available, we will choose a new index which is based on comparable information. To determine the annual percentage rate that will apply to your line, we add a margin to the value of the index. Ask us for the current index value, margin and annual percentage rate. After you open a credit line, rate information will be provided on periodic statements that we send you. Changes: The annual percentage rate can change monthly. There is no limit on the amount by which the rate can change in any one-year period. The maximum ANNUAL PERCENTAGE RATE that can apply during the plan is 18.00%. Maximum and Examples: If you had an outstanding balance of $ at the beginning of the draw period, the minimum monthly payment at the maximum ANNUAL PERCENTAGE RATE of 18.00% would be $ This annual percentage rate could be reached after the first month of the draw period. Historical Example: The following table shows how the annual percentage rate and the minimum payment for a single $ credit advance would have changed based on changes in the index over the last 15 years. Period or date each year from which index values were taken: October 31 of each year. While only one payment amount per year is shown, payments would have varied slightly during each year. The table assumes that no additional credit advances were taken, that only the minimum payment was made and that the rate remained constant during each year. It does not necessarily indicate how the index of your payments would change in the future. YEAR INDEX (%) MARGIN* (%) ANNUAL PERCENTAGE RATE (%) MINIMUM PAYMENTS ($) REMAINING BALANCE ($) ** ** * This is a margin we have used recently ** Floor rate in effect

3 HOME EQUITY LOAN DISCLOSURE (TERM LOAN) This disclosure describes the features of the adjustable-rate mortgage (ARM) program you are considering. Information on other ARM programs is available upon request. This loan program has an adjustable-rate feature. This means that your interest rate and payment amount can increase. How Your Interest and are Determined Your initial interest rate may reflect a premium or discount. Please ask us for the current interest rate premium or discount. Your interest rate will be periodically adjusted based on the index rate plus a margin. The index rate will be based on the JPMorgan Chase Bank prime lending rate. If this index is no longer available, a comparable index will be substituted. Please ask us for the current index and margin. Your payment will be based on the interest rate, loan balance and remaining loan term. Information about the index can be obtained from JP Morgan Chase Bank s principal office in New York City, New York (212) or jpmorganchase.com/corporate/about-jpmc/ historical-prime-rate.htm How Your Interest Can Change Your interest rate can change annually. Initial rate adjustment: You will be notified in writing at least 210, but no more than 240, days before the first payment at the adjusted level is due after the initial interest rate adjustment of the loan. This notice will contain information about the adjustment and will include the interest rate, payment amount and the loan balance. Subsequent rate adjustment: You will be notified in writing at least 60, but no more than 120, days before the due date of payment at a new level. This notice will contain information about your interest rate, payment amount and loan balance. 1- to 10-Year Term How Your Can Change Your monthly payment can change annually based on changes in the interest rate. For example, on a $10,000, 5-year loan with an initial interest rate of 5.126% in effect on October 31, 2017, the maximum amount that the interest rate can rise under this program is % to 21%, and the monthly payment can rise from an initial payment of $ to a maximum of $ in the second year. To see what your payments would be, divide your mortgage payment by $10,000; then multiply the monthly payment by that amount. (for example, the monthly payment for a mortgage amount of $60,000 would be $60,000 divided by $10,000 = 6; 6 X $ = $ per month) 11- to 20-Year Term How Your Can Change Your monthly payment can change annually based on changes in the interest rate. For example, on a $10,000, 15-year loan with an initial interest rate of 5.126% in effect on October 31, 2017, the maximum amount that the interest rate can rise under this program is % to 21%, and the monthly payment can rise from an initial payment of $79.73 to a maximum of $ in the second year. To see what your payments would be, divide your mortgage payment by $10,000; then multiply the monthly payment by that amount. (for example, the monthly payment for a mortgage amount of $60,000 would be $60,000 divided by $10,000 = 6; 6 X $79.73 = $ per month) This is not a commitment to make a loan. Rev. 10/2017

4 ADJUSTABLE-RATE MORTGAGE PROGRAM DISCLOSURE - 5/1 ARM PRIME INDEX This disclosure describes the features of an adjustable-rate mortgage (ARM) program offered by Alpine Bank. How Your Interest and Are Determined After the first five years of your loan, as applicable, your variable interest rate will be based on an index plus a margin. Please ask your bank officer for our current interest rates and margins. The index will be the JPMorgan Chase Bank prime lending rate. The index is as quoted by JPMorgan Chase Bank s principal office in New York City or rime-rate.htm. If this index is no longer available, a comparable index will be substituted. Your initial interest rate is not based on the index used to make later adjustments. If the initial interest rate is below the sum of the then-current index plus margin ( the fully indexed rate ), then the initial interest rate will be a discounted interest rate. If the current interest rate is above the fully indexed rate, then it will be a premium interest rate. Please ask your bank officer for the amount of our current interest rate discounts and premiums. Your payment for the first five years of the loan, as applicable, will be based on the initial interest rate, the loan amount and the loan term. How Your Interest Can Change Your initial interest rate will be fixed for the first five years, as applicable, with annual adjustments thereafter. The interest rate for this loan will never be less than the initial interest rate. Limits on the annual and lifetime adjustments are reflected in the chart below. Your interest rate will be rounded up to the nearest eighth of one percent (1/8%). How Your Can Change Your initial interest rate will be fixed for the first five years, with annual adjustments thereafter. s may change substantially each time the interest rate changes. Your payment will be based on the interest rate, loan balance and remaining loan term. Initial rate adjustment: You will be notified at least 210, but no more than 240, days before the first payment at the adjusted level is due after the initial interest rate adjustment of the loan. This notice will contain information about the adjustment, including the interest rate, payment amount and loan balance. Subsequent rate adjustment: You will be notified in writing at least 60 calendar days, but not more than 120 calendar days before the due date of a payment at a new level. This notice will contain information about your interest rates, payment amount and loan balance. The examples shown in the chart below illustrate interest rate and payment changes based on a $10,000, 30-year loan using an initial interest rate in effect on Oct. 31, 2017 and assuming the maximum periodic increases in rates and payments. Interest Maximum Interest First-Year Maximum Year of Maximum 5/1 ARM 4.375% 9.375% $49.93 $ th Note: To see what your maximum payment would be, divide your mortgage amount by $10,000; then multiply the monthly payment by that amount. For example, the maximum monthly payment for a $60,000 5/1 ARM with an initial interest rate of 4.375% would be $60,000/$10,000 = 6; 6 x $49.93 = $ Length of Fixed- Period Length of Adjustment Periods Initial Adjustment Limit/Cap Lifetime Adjustment Limit/Cap 5/1 ARM 5 Years 1 Year 5.00% 5.00% Miscellaneous Features This adjustable-rate mortgage program does not have a demand feature. This adjustable-rate mortgage program is not assumable. Disclosures for other ARM programs are available upon request.

5 ADJUSTABLE-RATE MORTGAGE PROGRAM DISCLOSURE - 7/1 ARM PRIME INDEX This disclosure describes the features of an adjustable rate mortgage (ARM) program offered by Alpine Bank. How Your Interest and Are Determined After the first seven years of your loan, as applicable, your variable interest rate will be based on an index plus a margin. Please ask your Bank Officer for our current interest rates and margins. The index will be the JP Morgan Chase Bank prime lending rate. The index is as quoted by JP Morgan Chase Bank s principal office in New York City, New York (212) or rime-rate.htm. If this index is no longer available, a comparable index will be substituted. Your initial interest rate is not based on the index used to make later adjustments. If the initial interest rate below is the sum of the then-current index plus margin ( the fully indexed rate ), then the initial interest rate will be a discounted interest rate. If the current interest rate is above the fully indexed rate, then it will be a premium interest rate. Please ask your Bank Officer for the amount of our current interest rate discounts and premiums. Your payment for the first seven years of the loan, as applicable, will be based on the initial interest rate, the loan amount and the loan term. How Your Interest Can Change Your initial interest rate will be fixed for the first seven years, as applicable, with annual adjustments thereafter. The interest rate for this loan will never be less than the initial interest rate. Limits on the annual and lifetime adjustments are reflected in the chart below. Your interest rate will be rounded up to the nearest eighth of one percent (1/8%). How Your Can Change Your initial interest rate will be fixed for the first seven years, with annual adjustments thereafter. s may change substantially each time the interest rate changes. Your payment will be based on the interest rate, loan balance and remaining loan term. Initial rate adjustment: You will be notified at least 210, but no more than 240, days before the first payment at the adjusted level is due after the initial interest rate adjustment of the loan. This notice will contain information about the adjustment, including the interest rate, payment amount and loan balance. Subsequent rate adjustment: You will be notified in writing at least 60 calendar days, but not more than 120 calendar days before the due date of a payment at a new level. This notice will contain information about your interest rates, payment amount and loan balance. The examples shown in the chart below illustrate interest rate and payment changes based on a $10,000, 30-year loan using an initial interest rate in effect on October 31, 2017 and assuming the maximum periodic increases in rates and payments. Interest Maximum Interest First-Year Maximum Year of Maximum 7/1 ARM 4.75% 9.75% $52.16 $ th Note: To see what your maximum payment would be, divide your mortgage amount by $; then multiply the monthly payment by that amount. For example, the maximum monthly payment for a $60, /1 ARM with an initial interest rate of 4.75% would be $60,000.00/$ = 6; 6 x $52.16 = $ Length of Fixed- Period Length of Adjustment Periods Initial Adjustment Limit/Cap Lifetime Adjustment Limit/Cap 7/1 ARM 7 Years 1 Year 5.00% 5.00% Miscellaneous Features This Adjustable Mortgage program does not have a Demand Feature. This Adjustable Mortgage program is not assumable. Disclosures for Other ARM Programs are available upon request.

6 ADJUSTABLE-RATE LOAN PROGRAM DISCLOSURE IMPORTANT MORTGAGE LOAN INFORMATION - PLEASE READ CAREFULLY This disclosure describes the features of the adjustable-rate mortgage (ARM) program you are considering. Information on other ARM programs available from Alpine Bank will be provided upon request. This disclosure does not constitute a commitment to make a loan to you. If you eventually obtain a loan, the note, security instrument and related documents will establish your legal rights and obligations regarding the loan. In addition to this disclosure, also provided to you is a brochure entitled Consumer Handbook on Adjustable- Mortgages and a special information booklet entitled Buying Your Home Settlement Costs and Helpful Information. AVAILABLE ARM PROGRAMS One-Year Adjustable Fixed for First Three Years (3/1 ARM) One-Year Adjustable Fixed for First Three Years with 20-Year Amortization (3/1 ARM with Balloon) One-Year Adjustable Fixed for First Five Years (5/1 ARM) One-Year Adjustable Fixed for First Five Years with 20-Year Amortization (5/1 ARM with Balloon) One-Year Adjustable- Mortgage (1/1 ARM with Balloon) Variable- Construction Loan HOW YOUR INTEREST RATE AND PAYMENT ARE DETERMINED: Your initial interest rate may reflect a premium or discount. Please ask us for the current interest rate premium or discount. Your interest rate will be periodically adjusted based on the index rate plus a margin. Please ask us for the current index and margin. The index rate will be the JPMorgan Chase Bank prime lending rate. The index is as quoted by JPMorgan Chase Bank s principal office in New York City or rime-rate.htm. If this index is no longer available, a comparable index will be substituted. The effective date of a change in the interest rate is a rate change date. Your payment will be based on the interest rate, loan balance and remaining loan amortization period. In some cases, your payment will not fully amortize the loan, so a single payment of the remaining balance at the end of the loan term is required. Please read the section pertaining to your specific terms carefully. HOW YOUR INTEREST RATE CAN CHANGE: Your interest rate can change (increase or decrease) on your rate change date, based on changes in the index. If you choose an ARM program with an initial fixed-rate period, your interest rate will initially change at the end of the fixed-rate period. HOW YOUR PAYMENT CAN CHANGE: Your payment can change each time your interest rate changes. Initial rate adjustment: You will be notified at least 210, but no more than 240, days before the first payment at the adjusted level is due after the initial interest rate adjustment of the loan. This notice will contain information about the adjustment, including the interest rate, payment amount and loan balance. Subsequent rate adjustment: You will be notified at least 60, but no more than 120, days before the due date of a payment at a new level. This notice will contain information about the index and interest rates, payment amount and loan balance. For variable-rate construction loans greater than 1 year (12 months or more), you will be notified at least 25, but no more than 120, days before the due date of a payment at a new level. This notice will contain information about the index and interest rates, payment amount and loan balance. Your payment may increase or decrease substantially depending on changes in the interest rate. Information Specific to the Various Available ARM Programs Historical Examples - The examples for each of the ARM programs in the Historical Example Chart show the initial interest rate and the payment for $10,000 loan originated Oct. 1, 2017 and progresses to the maximum possible interest rate and payment of the loan. The maximum interest rate is 21%. The periodic payment may increase or decrease substantially depending on changes in the interest rate, with the exception of any fixed-rate periods in specific ARM products containing a fixed-rate period feature. The examples are based on the following assumptions. PAGE 1 OF 3

7 ALPINE BANK - ADJUSTABLE-RATE LOAN PROGRAM DISCLOSURE The following information applies to each of the historical examples in the Historical Example Chart below: Amount: $10,000 adjustment, principal and interest payment ARM products: Annual, except during applicable fixed-rate periods adjustment, interest-only product: Annual. amount may vary slightly monthly due to variations in the accrual periods Interest rate adjustment: Annual, except during applicable fixed-rate periods Margins: 1/1 ARM 1.00%, 3/1 ARM.875%, 5/1 ARM.875%, Construction Loan 1.375% Index: Program Chase Bank Prime Lending 4.25% as of Oct. 31, 2017 Maximum rate permitted by law: Currently 21% ARM Program Historical Example Chart ARM Programs are listed in bold print One-Year Adjustable Fixed for First Three Years (3/1 ARM) How Your Interest Can Change: Your initial interest rate of 5.227%(this rate is based on the index (4.25%) plus the margin (.875%) plus a premium of.102%) is fixed for the first thirty-six (36) months, after which the interest rate can change every twelve (12) months to the index rate plus the margin. adjustment will occur during the 37th month of the loan term as rate change date. 10/31/ % 5-Year $ $ Year $80.26 $ Loan Example: To see what your payments (excluding escrow payments) would be, divide your mortgage amount by $10,000; then multiply the loan payment by that amount. (For example, the monthly payment for a 15-year mortgage amount of $60,000 would be $60,000/$10,000 = 6; 6 x $80.26 = $481.56). One-Year Adjustable Fixed for First Three Years with 20-Year Amortization (3/1 ARM with Balloon) How Your Interest Can Change: Your initial interest rate of 5.227% (this rate is based on the index (4.25%) plus the margin (.875%) plus a premium of.102%) is fixed for the first thirty-six (36) months, after which the interest rate can change every twelve (12) months to the index rate plus the margin. adjustment will occur during the 37th month of the loan term as rate change date. Your payment will not fully amortize the loan, so a single payment of the remaining balance at the end of the loan term is required. 10/31/2020 Loan Example: To see what your payments (excluding escrow payments) would be, divide your mortgage amount by $10,000; then multiply the loan payment by that amount. (For example, the monthly payment for a 10-year mortgage amount of $60,000 would be $60,000/$10,000 = 6; 6 x $67.25 = $403.50). One-Year Adjustable Fixed for First Five Years (5/1 ARM) How Your Interest Can Change: Your initial interest rate of 5.476% (this rate is based on the index (4.25%) plus the margin (.875%) plus a premium of.351%) is fixed for the first sixty (60) months, after which the interest rate can change every twelve (12) months to the index rate plus the margin. adjustment will occur during the 61st month of the loan term as rate change date. 10/31/ % 5.476% 10-Year $67.25 $ Year $81.57 $ PAGE 2 OF 3

8 ALPINE BANK - ADJUSTABLE-RATE LOAN PROGRAM DISCLOSURE Calculating Your s: To see what your payments (excluding escrow payments) would be, divide your mortgage amount by $10,000; then multiply the loan payment by that amount. (For example, the monthly payment for a 15-year mortgage amount of $60,000 would be $60,000/$10,000 = 6; 6 x $81.57= $489.42). 5-Year 20-Year Amortization 15-Year 20-Year Amortization 30-Year 30-Year Amortization One-Year Adjustable Fixed for First Five Years with 20-Year Amortization (5/1 ARM with Balloon) 10/31/ % $66.96 $ $66.69 $ $54.45 $ How Your Interest Can Change: Your initial interest rate of 5.476% (this rate is based on the index (4.25%) plus the margin (.875%) plus a premium of.351%) is fixed for the first sixty (60) months, after which the interest rate can change every twelve (12) months to the index rate plus the margin. adjustment will occur during the 61st month of the loan term as rate change date. Your payment will not fully amortize the loan, so a single payment of the remaining balance at the end of the loan term is required. 10/31/ % 10-Year $68.65 $ Calculating Your s: To see what your payments (excluding escrow payments) would be, divide your mortgage amount by $10,000; then multiply the loan payment by that amount. (For example, the monthly payment for a 10-year mortgage amount of $60,000 would be $60,000/$10,000 = 6; 6 x $68.65 = $411.90). One-Year Adjustable- Mortgage (1/1 ARM with Balloon) How Your Interest Can Change: Your interest rate of 5.126% (based on the index (4.25%) plus the margin of 1.00% minus a discount of.124%), is fixed for the first twelve (12) months, after which the interest rate can change every twelve (12) months to the index rate plus the margin in effect on the change date. adjustment will occur during the 13th month of the loan term as rate change date. Your payment will not fully amortize the loan, so a single payment of the remaining balance at the end of the loan term is required. Loan Example: To see what your payments (excluding escrow payments) would be, divide your mortgage amount by $10,000; then multiply the loan payment by that amount. (For example, the monthly payment for a 15-year mortgage amount of $60,000 would be $60,000/$10,000 = 6; 6 x $66.69 = $400.14). Variable- Construction Loan How Your Interest Can Change: Your interest rate will change monthly to the index rate plus the margin in effect on the change date. How Your Can Change: Your payment will adjust every thirty (30) days during the loan term as specified in your promissory note. Your payment will not fully amortize the loan, so a single payment of the remaining balance at the end of the loan term is required. 11/31/ % 2-Year Interest-Only $46.88 $ Loan Example: To see what your payments would be, divide your mortgage amount by $10,000; then multiply the monthly payment by that amount. (For example, the monthly payment for a 2-year interest-only mortgage amount of $60,000 would be $60,000/$10,000 = 6; 6 x $46.88 = $281.28). PAGE 3 OF 3

NORTH DAKOTA VARIABLE RATE HELOC DISCLOSURE

NORTH DAKOTA VARIABLE RATE HELOC DISCLOSURE NORTH DAKOTA VARIABLE RATE HELOC DISCLOSURE ND HELOC Disclosure 1/1/2018 Page 1 IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT Lender: Bank Forward This disclosure contains important information about

More information

HOME EQUITY LINE OF CREDIT

HOME EQUITY LINE OF CREDIT Four Corners Community Bank 500 West Main Street, Suite 101 Farmington, NM 87401 Telephone: 505.327.3222 Fax number: 505.327.3230 Lender Interest Only San Juan County, New Mexico Borrower HOME EQUITY LINE

More information

HOME EQUITY EARLY DISCLOSURE

HOME EQUITY EARLY DISCLOSURE REAL ESTATE LENDING POWERED BY CUNA MUTUAL GROUP HOME EQUITY EARLY DISCLOSURE IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT PLAN This disclosure contains important information about our Home Equity

More information

IMPORTANT TERMS of our HOME EQUITY LINE OF CREDIT 1% Payment / 10 year draw / 20 year repayment / 24 Month Fixed Rate / Prime + 1%

IMPORTANT TERMS of our HOME EQUITY LINE OF CREDIT 1% Payment / 10 year draw / 20 year repayment / 24 Month Fixed Rate / Prime + 1% IMPORTANT TERMS of our HOME EQUITY LINE OF CREDIT 1% Payment / 10 year draw / 20 year repayment / 24 Month Fixed Rate / Prime + 1% This disclosure contains important information about our Home Equity Line

More information

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY (CNB) PREAPPLICATION DISCLOSURE. IMPORTANT TERMS of our FLEXEQUITY MASTER LINE OF CREDIT (MORTGAGE)

THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY (CNB) PREAPPLICATION DISCLOSURE. IMPORTANT TERMS of our FLEXEQUITY MASTER LINE OF CREDIT (MORTGAGE) THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY (CNB) PREAPPLICATION DISCLOSURE IMPORTANT TERMS of our FLEXEQUITY MASTER LINE OF CREDIT (MORTGAGE) For applications received on or after January 1, 2011

More information

Please sign and return this portion to Franklin Bank.

Please sign and return this portion to Franklin Bank. Please sign and return this portion to Franklin Bank. BY SIGNING BELOW I/WE ATTEST TO RECEIVING A COPY OF IMPORTANT TERMS OF FRANKLIN BANK'S HOME EQUITY LINE OF CREDIT DISCLOSURE AND BOOKLET WHAT YOU SHOULD

More information

Important Terms of Our Equity Account

Important Terms of Our Equity Account Introductory Rate Current Promotion Mortgage Loan Originator # Interviewer UMB Bank, n.a. 1010 Grand Blvd Kansas City, MO 64106 Important Terms of Our Equity Account This disclosure contains important

More information

IMPORTANT TERMS of our HOME EQUITY LINES OF CREDIT

IMPORTANT TERMS of our HOME EQUITY LINES OF CREDIT 225 South 200 West PO Box 687 Farmington, UT 84025-0687 IMPORTANT TERMS of our HOME EQUITY LINES OF CREDIT THIS DISCLOSURE CONTAINS INFORMATION ABOUT OUR VARIABLE INTEREST HOME EQUITY LINES OF CREDIT.

More information

Home Equity Credit Account Disclosure

Home Equity Credit Account Disclosure This disclosure contains important information about your Home Equity Credit Account (Account). You should read it carefully and keep a copy for your records. 1. Availability of Terms. All of the terms

More information

Important Terms of the Compass Equity Optimizer Line of Credit

Important Terms of the Compass Equity Optimizer Line of Credit Important Terms of the Compass Equity Optimizer Line of Credit Date of Disclosure: 1. Availability of Terms: 2. Security Interest: Please read carefully the following disclosure information regarding the

More information

SmartLock TM Home Equity Line of Credit Disclosure Packet

SmartLock TM Home Equity Line of Credit Disclosure Packet SmartLock TM Home Equity Line of Credit Disclosure Packet Thank you for choosing Orrstown Bank for your financing needs. This packet contains important information about Orrstown Bank s SmartLock TM Home

More information

Home Equity Disclosure Booklet

Home Equity Disclosure Booklet Home Equity Disclosure Booklet People s United Bank peoples.com Effective June 2017 L0014 6/17 00 1 Home Equity Disclosure TITLE PRODUCT* PAGE SECTION I. When Your Home is on the Line HELOC 2 SECTION II.

More information

PRINT ME! HELOC Disclosures Checklist. Items to give to customer:

PRINT ME! HELOC Disclosures Checklist. Items to give to customer: PRINT ME! HELOC Disclosures Checklist Face-to-Face Application: Print and give to customer Phone Application: Print and mail to customer Items to give to customer: Purchase of Insurance Disclosure HELOC

More information

IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT

IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT This disclosure contains important information about our Home Equity Line(s) of Credit (Plan). You should read it carefully and keep a copy for your records.

More information

Signature of Applicant Date Loan Amount Requested $ Checking Account Number:

Signature of Applicant Date Loan Amount Requested $ Checking Account Number: Notice to married applicants living in Wisconsin. No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin Statutes, or court order under section 766.70

More information

VISA Gold 12.84% Not applicable. There is no minimum. None. None None None. $20.00 None $15.00 (from self) / $5.00 (from other)

VISA Gold 12.84% Not applicable. There is no minimum. None. None None None. $20.00 None $15.00 (from self) / $5.00 (from other) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 12.84% APR for Balance Transfers 12.84% APR for Cash Advances 12.84% VISA Gold This APR is effective January 1, 2016 through

More information

Home Equity Line of Credit Application

Home Equity Line of Credit Application Home Equity Line of Credit Application Home improvement. Your child s education. Bill consolidation. A dream car or vacation. Tap into your home s equity and we can help! Life matters. call: 534.4300 /

More information

10.99%. This APR will vary with the market based on the Prime Rate. a

10.99%. This APR will vary with the market based on the Prime Rate. a Purchase Annual Percentage Rate (APR) How to Avoid Paying Interest on Purchases Minimum Interest Charge Credit Card Tips from the Consumer Financial Protection Bureau CARDMEMBER AGREEMENT RATES AND FEES

More information

Home Equity Disclosure Booklet. Section III.HELOC, HEL, TaxSaver TM Notice to Mortgage Loan Applicant

Home Equity Disclosure Booklet. Section III.HELOC, HEL, TaxSaver TM Notice to Mortgage Loan Applicant Authorization to Obtain Credit Report Before you make an application for credit, please note that all applicants must authorize People s United Bank to obtain a credit report for each applicant. The information

More information

SmartLock TM Home Equity Line of Credit Disclosure Packet

SmartLock TM Home Equity Line of Credit Disclosure Packet SmartLock TM Home Equity Line of Credit Disclosure Packet Thank you for choosing Orrstown Bank for your financing needs. This packet contains important information about Orrstown Bank s SmartLock TM Home

More information

HOME EQUITY EARLY DISCLOSURE

HOME EQUITY EARLY DISCLOSURE REAL ESTATE LENDING POWERED BY CUNA MUTUAL GROUP HOME EQUITY EARLY DISCLOSURE IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT PLAN This disclosure contains important information about our Home Equity

More information

NBT Bank, National Association 52 South Broad Street Norwich, NY 13815

NBT Bank, National Association 52 South Broad Street Norwich, NY 13815 IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT Principal and Interest NBT Bank, National Association 52 South Broad Street Norwich, NY 13815 This disclosure contains important information about our

More information

PRIME % - PRIME % based on your creditworthiness

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

More information

BUSINESS CREDIT CARD AGREEMENT

BUSINESS CREDIT CARD AGREEMENT BUSINESS CREDIT CARD AGREEMENT YOUR CONTRACT WITH US 1. This document, and any future changes to it, is your contract with us. We will refer to this document as your Agreement or Credit Card Agreement

More information

IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT PROGRAMS

IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT PROGRAMS IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT PROGRAMS Bay State Savings Bank is proud to offer the Home Equity Line of Credit solution that fits your needs. This disclosure contains important information

More information

SpencerFlex Line of Credit Disclosure

SpencerFlex Line of Credit Disclosure Disclosure IMPORTANT TERMS OF OUR SPENCERFLEX HOME EQUITY LINE OF CREDIT Retention of Information: This disclosure contains important information about our Home Equity Line of Credit. You should read it

More information

Home Equity Lines of Credit

Home Equity Lines of Credit The Federal Reserve Board What you should know about Home Equity Lines of Credit Board of Governors of the Federal Reserve System www.federalreserve.gov 0708 i What You Should Know about Home Equity Lines

More information

HOME EQUITY LINE OF CREDIT. Bloomsdale Bank IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT

HOME EQUITY LINE OF CREDIT. Bloomsdale Bank IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT HOME EQUITY LINE OF CREDIT Bloomsdale Bank Bloomsdale Branch 55 Mill Hill Road P.O. Box 100 Bloomsdale, MO 63627 (573)483-2514 Ste. Genevieve Branch 695 Center Drive Ste. Genevieve, MO 63670 (573)883-9955

More information

Home Equity Line of Credit Documentation Checklist

Home Equity Line of Credit Documentation Checklist Home Equity Line of Credit Documentation Checklist Delaware Valley Office 501 Knowles Avenue Southampton, PA 18966 O: 215.364.4059 F: 215.364.4650 Lehigh Valley Office 1710 Union Boulevard Allentown, PA

More information

FACTS. Why? What? How? Questions? WHAT DOES CAMPUS USA CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

FACTS. Why? What? How? Questions? WHAT DOES CAMPUS USA CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? FACTS WHAT DOES CAMPUS USA CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Rev. December 2017 Why? Financial companies choose how they share your personal information. Federal law gives consumers the right

More information

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES Purchase Annual Percentage Rate (APR) Balance Transfer APR Cash Advance APR Paying Interest Minimum Interest Charge Credit Card Tips from the Consumer Financial Protection Bureau CARDMEMBER AGREEMENT RATES

More information

UTAH POWER CREDIT UNION 957 East 6600 South Murray, UT (801)

UTAH POWER CREDIT UNION 957 East 6600 South Murray, UT (801) UTAH POWER CREDIT UNION 957 East 6600 South Murray, UT 84121 (801) 708-8900 VARIABLE RATE DRAW FIED RATE REPAYMENT PLAN Early Disclosure and Important Terms of Your Home Equity Secured Loan Program RETENTION

More information

10.99% INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate(APR)

10.99% INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate(APR) INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate(APR) 10.99% for Purchases This APR will vary with the market based on the Prime Rate*. APR for Balance Transfers 10.99% This APR will vary with

More information

Overdraft Line of Credit Pricing Schedule

Overdraft Line of Credit Pricing Schedule Overdraft Line of Credit Pricing Schedule Interest Rates and Interest Charges Annual Percentage Rate (APR) for Overdraft Line of Credit 18.00% Paying Interest You will be charged interest from the transaction

More information

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES Purchase Annual Percentage Rate (APR) Balance Transfer APR Cash Advance APR Overdraft Advance APR Penalty APR and When It Applies Paying Interest Minimum Interest Charge Credit Card Tips from the Federal

More information

1.90% introductory APR is effective upon the opening of your account if

1.90% introductory APR is effective upon the opening of your account if CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR YOUR GECU CREDIT CARD Disclosure to GECU Credit Card Agreement and Disclosure Statements Disclosure of variable rates and fees are accurate and based

More information

Regulation Z Appendix G Open-End Model Forms and Clauses

Regulation Z Appendix G Open-End Model Forms and Clauses Regulation Z Appendix G Open-End Model Forms and Clauses APPENDIX G TO PART 226 OPEN-END MODEL FORMS AND CLAUSES G--1 Balance Computation Methods Model Clauses (Home-equity Plans) ( 226.6 and 226.7) G--1(A)

More information

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES Purchase Annual Percentage Rate (APR) Balance Transfer APR Cash Advance APR Overdraft Advance APR Penalty APR and When It Applies Paying Interest Minimum Interest Charge Credit Card Tips from the Consumer

More information

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES Purchase Annual Percentage Rate (APR) Balance Transfer APR Cash Advance APR Paying Interest Minimum Interest Charge Credit Card Tips from the Consumer Financial Protection Bureau CARDMEMBER AGREEMENT RATES

More information

ADJUSTABLE RATE NOTE (One-Year Treasury Index Rate Caps Fixed Rate Conversion Option)

ADJUSTABLE RATE NOTE (One-Year Treasury Index Rate Caps Fixed Rate Conversion Option) ADJUSTABLE RATE NOTE (One-Year Treasury Index Rate Caps Fixed Rate Conversion Option) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE

More information

DuPont Community Credit Union MASTERCARD PLATINUM CREDIT CARD

DuPont Community Credit Union MASTERCARD PLATINUM CREDIT CARD DuPont Community Credit Union MASTERCARD PLATINUM CREDIT CARD Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for 6 monthly statement periods on all

More information

Account Opening Disclosures

Account Opening Disclosures Account Opening Disclosures Interest Rates and Interest Charges 0.00% Introductory APR for seven cycles Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash or ATM Advances

More information

PROPERTY INFORMATION

PROPERTY INFORMATION CHECK BOX FOR JOINT ACCOUNT: [ ] If you are applying for a joint account or an account that you and another person will use, complete all sections, providing information about the Joint Applicant or user.

More information

LoanLiner Credit/Security Agreement Plus and Voluntary Payment Protection

LoanLiner Credit/Security Agreement Plus and Voluntary Payment Protection LoanLiner Credit/Security Agreement Plus and Voluntary Payment Protection P.O. Box 1881 This LOANLINER Credit and Security Agreement, which includes the Truth in Lending Disclosures, will be referred to

More information

12.95% to 17.99% based on your creditworthiness.

12.95% to 17.99% based on your creditworthiness. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash Advances 12.95% to 17.99% based on your creditworthiness. These APRs will vary with

More information

0% Introductory APR for 6 billing cycles from the date of the first purchase performed within 6 months from the date of account opening.

0% Introductory APR for 6 billing cycles from the date of the first purchase performed within 6 months from the date of account opening. (for new SSFCU credit card applications) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% Introductory APR for 6 billing cycles from the date of the first purchase performed

More information

%, based on your creditworthiness at the time

%, based on your creditworthiness at the time DuPont Community Credit Union MASTERCARD PLATINUM CREDIT CARD Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash Advances Paying Interest

More information

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT Member Number Interest Rate and Interest Charges Annual Percentage Rate (APR) For Purchases 2141 Downyflake Lane Allentown, PA 18103 610.797.7440 800.446.5598 PeopleFirstCU.org CREDIT CARD ACCOUNT AGREEMENT

More information

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES Purchase Annual Percentage Rate (APR) Balance Transfer APR Cash Advance APR Overdraft Advance APR Penalty APR and When It Applies Paying Interest Minimum Interest Charge Credit Card Tips from the Federal

More information

PAYROLL ASSURANCE LOAN

PAYROLL ASSURANCE LOAN PAYROLL ASSURANCE LOAN ALWAYS GET PAID ON TIME! You work hard for your money and would like to receive your paycheck as early as possible, and on a regular basis. Occasionally, the US Government does not

More information

Participant Loan Agreement

Participant Loan Agreement Participant Loan Agreement General Purpose Loan The plan sponsor or plan administrator (Plan Administrator) of your qualified retirement plan has selected the Access Control Advantage R Loan Program (ACA

More information

NOTICE OF TERMS OF THE BANK S MASTERCARD /VISA CORPORATE CREDIT CARD AGREEMENT AND CHECKING OVERDRAFT PROTECTION AGREEMENT

NOTICE OF TERMS OF THE BANK S MASTERCARD /VISA CORPORATE CREDIT CARD AGREEMENT AND CHECKING OVERDRAFT PROTECTION AGREEMENT Rev. 6/14/17 NOTICE OF TERMS OF THE BANK S MASTERCARD /VISA CORPORATE CREDIT CARD AGREEMENT AND CHECKING OVERDRAFT PROTECTION AGREEMENT In this Agreement, the words "you" and "your" mean the persons who

More information

FIXED/ADJUSTABLE RATE NOTE (One-Year Treasury Index Rate Caps)

FIXED/ADJUSTABLE RATE NOTE (One-Year Treasury Index Rate Caps) FIXED/ADJUSTABLE RATE NOTE (One-Year Treasury Index Rate Caps) THIS NOTE PROVIDES FOR A CHANGE IN MY FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. THIS NOTE LIMITS THE AMOUNT MY ADJUSTABLE INTEREST

More information

VERITY CREDIT UNION VISA CREDIT CARD AGREEMENT (September 2017)

VERITY CREDIT UNION VISA CREDIT CARD AGREEMENT (September 2017) VERITY CREDIT UNION VISA CREDIT CARD AGREEMENT (September 2017) This Agreement covers the use of each credit card (VISA Classic, VISA Journey Gold, and VISA Platinum Passport) issued by Verity Credit Union

More information

CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT

CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT Interest Rate and Interest Charges (APR) For Purchases CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING

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

16.74% After that, your APR will be 16.74%. This APR will vary with the market based on the Prime Rate % Maximum APR 29.99%

16.74% After that, your APR will be 16.74%. This APR will vary with the market based on the Prime Rate % Maximum APR 29.99% UBS VISA INFINITE CREDIT CARD ACCOUNT SUMMARY TABLE Interest Rates and Interest Changes Annual Percentage Rate (APR) for Purchases 16.74% This APR will vary with the market based on the Prime Rate. APR

More information

ISPFCU VISA PLATINUM PROGRAMS TERMS AND CONDITIONS The information about the costs of the card described is accurate as of July 14, 2017.

ISPFCU VISA PLATINUM PROGRAMS TERMS AND CONDITIONS The information about the costs of the card described is accurate as of July 14, 2017. ISPFCU VISA PLATINUM PROGRAMS TERMS AND CONDITIONS The information about the costs of the card described is accurate as of July 14, 2017. ANNUAL PERCENTAGE RATE (APR) Other APRs Platinum Elite: Wall Street

More information

P.O. Box 7560 Baltimore, MD (410) TTY: (410)

P.O. Box 7560 Baltimore, MD (410) TTY: (410) P.O. Box 7560 (410) 281-6200 TTY: (410) 966-9850 VISA CREDIT CARD AGREEMENT AND DISCLOSURE Pledged Share Account(s) # (Share Secured Visa) In this Agreement and Disclosure ( Agreement ) the words, you

More information

CARDMEMBER AGREEMENT RATES AND FEES TABLE FOR THE MILITARY STAR REWARDS MASTERCARD CREDIT CARD ACCOUNT INTEREST RATES AND INTEREST CHARGES FEES

CARDMEMBER AGREEMENT RATES AND FEES TABLE FOR THE MILITARY STAR REWARDS MASTERCARD CREDIT CARD ACCOUNT INTEREST RATES AND INTEREST CHARGES FEES CARDMEMBER AGREEMENT RATES AND FEES TABLE FOR THE MILITARY STAR REWARDS MASTERCARD CREDIT CARD ACCOUNT INTEREST RATES AND INTEREST CHARGES Purchase Annual Percentage Rate (APR) Balance Transfer APR Cash

More information

Home Equity Line of Credit Kit

Home Equity Line of Credit Kit Home Equity Line of Credit Kit Thank you for your interest in a home equity line of credit from GRB. Below you will find the information necessary to apply as well as some basic information. Should you

More information

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES

CARDMEMBER AGREEMENT RATES AND FEES TABLE INTEREST RATES AND INTEREST CHARGES FEES Purchase Annual Percentage Rate (APR) Balance Transfer APR Cash Advance APR Overdraft Advance APR Penalty APR and When It Applies Paying Interest Minimum Interest Charge Credit Card Tips from the Consumer

More information

MCU TRUE REWARDS VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT

MCU TRUE REWARDS VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT Municipal Credit Union MCU TRUE REWARDS VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT 1. Definitions: In this Agreement the words we, us, our and Credit Union mean

More information

Cardholder Agreement

Cardholder Agreement 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. The Agreement

More information

15.00% VISA CLASSIC 14.00% VISA GOLD

15.00% VISA CLASSIC 14.00% VISA GOLD Account Opening Disclosure Notice regarding the terms of your West Suburban Bank Visa Credit Card account. Interest Rates and Inter est Charges Annual Percentage Rate (APR) for Purchases 15.00% VISA CLASSIC

More information

6.49% to 14.49% based on your creditworthiness. 8.90% to 9.90% based on your creditworthiness.

6.49% to 14.49% based on your creditworthiness. 8.90% to 9.90% based on your creditworthiness. Security Service Low Interest MasterCard Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 6.49% to 14.49% based on your creditworthiness. These APRs will vary with the market

More information

6.74% to 14.74% based on your creditworthiness. 8.90% to 9.90% based on your creditworthiness.

6.74% to 14.74% based on your creditworthiness. 8.90% to 9.90% based on your creditworthiness. Interest Rates and Interest Charges Security Service Federal Credit Union Power MasterCard Annual Percentage Rate (APR) for Purchases 6.74% to 14.74% based on your creditworthiness. These APRs will vary

More information

INTEREST-ONLY PERIOD ADJUSTABLE RATE NOTE (One-Year LIBOR Index (as Published in The Wall Street Journal) Rate Caps)

INTEREST-ONLY PERIOD ADJUSTABLE RATE NOTE (One-Year LIBOR Index (as Published in The Wall Street Journal) Rate Caps) Loan No. INTEREST-ONLY PERIOD ADJUSTABLE RATE NOTE (One-Year LIBOR Index (as Published in The Wall Street Journal) Rate Caps) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR A CHANGE IN MY FIXED INTEREST RATE

More information

VISA. Credit Card Agreement

VISA. Credit Card Agreement VISA Credit Card Agreement BY USING YOUR VISA CARD YOU AGREE TO ALL THE TERMS IN THIS AGREEMENT. THIS AGREEMENT INCLUDES THE FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT AND SPECIAL INSTRUCTIONS REGARDING

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

Visa Credit Card Agreement

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

More information

This information is accurate as of March 31, 2017.

This information is accurate as of March 31, 2017. Example of Credit Card Agreement for Bank of America Rewards, Bank of America Accelerated Rewards and Bank of America Accelerated Cash Rewards American Express Card accounts This information is accurate

More information

1.99% introductory APR 1 for the first 6 months.

1.99% introductory APR 1 for the first 6 months. Revolving Retail Installment Agreement for Banco Popular / AAdvantage MasterCard Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 1.99% introductory APR 1 for the first 6

More information

May 29, Important Information Concerning Changes To Your Overdraft Line Of Credit

May 29, Important Information Concerning Changes To Your Overdraft Line Of Credit May 29, 2018 , Important Information Concerning Changes To Your Overdraft Line Of Credit This letter is to inform you

More information

Mailing Address* Apt.# City State Zip Time at Address Cell / Other Phone Where We May Call You

Mailing Address* Apt.# City State Zip Time at Address Cell / Other Phone Where We May Call You NAMM APPLICATION AND INITIAL CARDHOLDER DISCLOSURE A credit service of GE Money Bank For WI residents, if you are applying for individual credit or joint credit with someone who is not your spouse, combine

More information

25.49%. This APR will vary with the market based on the Prime Rate.

25.49%. This APR will vary with the market based on the Prime Rate. CAPITAL ONE IMPORTANT DISCLOSURES Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 25.49%. This APR will vary with the market based on the Prime Rate. How To Avoid Paying

More information

Annual Percentage Rate (APR) for Purchases This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Purchases This APR will vary with the market based on the Prime Rate. CAPITAL ONE ACCOUNT TERMS BR399265 M-119519 Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 25.49%. . This APR will vary with the market based on the Prime Rate.

More information

Example of Credit Card Agreement for Bank of America Visa Signature accounts

Example of Credit Card Agreement for Bank of America Visa Signature accounts Example of Credit Card Agreement for Bank of America Visa Signature accounts This information is accurate as of December 31, 2017. This credit card program is issued and administered by Bank of America,

More information

ii. Pay Only the Interest I will make interest payments only while enrolled in school and for the Deferment Period.

ii. Pay Only the Interest I will make interest payments only while enrolled in school and for the Deferment Period. In these agreements, the words I, me, my, and mine will mean all the persons who completed a Credit Application for all Credit, endorsed the loan proceeds check, or made use of the loan proceeds. The words

More information

Standard Charge Terms

Standard Charge Terms Page 1 of 29 Standard Charge Terms Land Registration Reform Act Filed By: CIBC Mortgages Inc. Filing Number: 200817 Filing Date September 10, 2008 The following set of standard charge terms shall be deemed

More information

Diamond Premier/Diamond Cash Back VISA: % 0.00 introductory APR for the. for the first months following the date You establish Your Card.

Diamond Premier/Diamond Cash Back VISA: % 0.00 introductory APR for the. for the first months following the date You establish Your Card. CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE P.O. Box 500 Richland, WA 99352 phone: 509.378.3100 fax: 509.378.3150 THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL www.gesa.com

More information

/ / Y N APPROVAL DATE APPROVED APPROVAL # OPER. # LIMIT Required fields indicated by *

/ / Y N APPROVAL DATE APPROVED APPROVAL # OPER. # LIMIT Required fields indicated by * FOR STORE USE ONLY APPLICANT 6 DIGIT NUMBER ACCOUNT NUMBER / / Y N APPROVAL DATE APPROVED APPROVAL # OPER. # LIMIT Required fields indicated by * LAST NAME* LEGAL FIRST NAME* MID. INITIAL* RESIDENTIAL

More information

Visa Premier Classic Line of Credit Agreement between Affinity Plus and You. Interest Rates and Interest Charges. Fees

Visa Premier Classic Line of Credit Agreement between Affinity Plus and You. Interest Rates and Interest Charges. Fees Interest Rates and Interest Charges Variable Annual Percentage Rate (APR)* For Purchases, Cash Advances and Balance Transfers How We Calculate Your Variable Rates Paying Interest Minimum Interest Charge

More information

PEOPLES BANK OF ALABAMA BUSINESS CREDIT CARD AGREEMENT

PEOPLES BANK OF ALABAMA BUSINESS CREDIT CARD AGREEMENT PEOPLES BANK OF ALABAMA BUSINESS CREDIT CARD AGREEMENT This Agreement applies to the VISA Credit Card Account established for the Business by Peoples Bank of Alabama. Any Card issued under this Agreement

More information

Cardholder Agreement. Effective 10/1/17

Cardholder Agreement. Effective 10/1/17 Cardholder Agreement INTRODUCTION: In this document, the term Agreement means this Cardholder Agreement and the disclosures found in our Important Cost Information about our Credit Card insert that is

More information

Pay over time with low monthly payments. Two Types of Promotional Plans Available:

Pay over time with low monthly payments. Two Types of Promotional Plans Available: With CareCredit... Start care immediately Pay over time with low monthly payments For yourself and your family Two Types of Promotional Plans Available: No Interest if Paid within Promotional Period (minimum

More information

1.99% introductory APR 1 for the first 6 months.

1.99% introductory APR 1 for the first 6 months. Interest Rates and Interest Charges Retail Installment Agreement Revolving Accounts Plan for Visa Icon of Banco Popular Annual Percentage Rate (APR) for Purchases 1.99% introductory APR 1 for the first

More information

C R E D I T C A R D H O L D E R A G R E E M E N T & D I S C L O S U R E. Cardholder Agreement and Disclosure Statement for Your SCFCU Credit Card

C R E D I T C A R D H O L D E R A G R E E M E N T & D I S C L O S U R E. Cardholder Agreement and Disclosure Statement for Your SCFCU Credit Card C R E D I T C A R D H O L D E R A G R E E M E N T & D I S C L O S U R E SERVICES CENTER FEDERAL CREDIT UNION 609 WEST 21 ST STREET PO BOX 704 YANKTON, SD 57078 Cardholder Agreement and Disclosure Statement

More information

WHEN YOUR HOME IS ON THE LINE What You Should Know About Home Equity Lines of Credit A Publication of the Board of Governors of the Federal Reserve

WHEN YOUR HOME IS ON THE LINE What You Should Know About Home Equity Lines of Credit A Publication of the Board of Governors of the Federal Reserve WHEN YOUR HOME IS ON THE LINE What You Should Know About Home Equity Lines of Credit A Publication of the Board of Governors of the Federal Reserve More and more lenders are offering home equity lines

More information

You will not use your Account for any purpose that has been deemed illegal. We reserve the right to deny authorization requests from online gambling

You will not use your Account for any purpose that has been deemed illegal. We reserve the right to deny authorization requests from online gambling FAMILY LINE OF CREDIT AGREEMENT This Agreement, along with the Account Opening Disclosure, which is fully incorporated into this Agreement by reference, is for your Account with Commerce Bank and the Convenience

More information

SELF-HELP CREDIT UNION CREDIT CARD ACCOUNT AGREEMENT

SELF-HELP CREDIT UNION CREDIT CARD ACCOUNT AGREEMENT This Credit Card Account Agreement (this Agreement ) contains the terms of your Self-Help Credit Union Credit Card and starts as soon as you sign or use the card. The Credit Card Account Opening Disclosure

More information

ADJUSTABLE RATE NOTE

ADJUSTABLE RATE NOTE ADJUSTABLE RATE NOTE (1 Year Treasury Index -- Rate Caps) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTERES T RATE CAN

More information

PRICING SCHEDULE. APR for Balance Transfers From 11.99% to 23.99%. This APR will vary with the market based on the Prime Rate. 1

PRICING SCHEDULE. APR for Balance Transfers From 11.99% to 23.99%. This APR will vary with the market based on the Prime Rate. 1 PRICING SCHEDULE This is an example of terms that were available to recent applicants as of 9/30/17. They may not be available now. If you apply, your terms will be based on the terms of the offer when

More information

Flexible Home Loan. This document sets out your facility s terms and conditions. Some key information about your facility. Terms and Conditions

Flexible Home Loan. This document sets out your facility s terms and conditions. Some key information about your facility. Terms and Conditions Flexible Home Loan Terms and Conditions This document sets out your facility s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ Flexible Home Loan. It

More information

HOME EQUITY LINE OF CREDIT APPLICATION PACKET

HOME EQUITY LINE OF CREDIT APPLICATION PACKET HOME EQUITY LINE OF CREDIT APPLICATION PACKET Thank you for applying for a Home Equity Line of Credit with Investors Bank. If you have any questions regarding the Home Equity Line of Credit application,

More information

AUTHORIZATION AND PAYMENT

AUTHORIZATION AND PAYMENT In this Choice Rewards World MasterCard Card ( Agreement and Disclosure Statement ) the words: I, me, my and mine mean any and all of those who apply for or use the First Technology Federal Credit Union

More information

HOME EQUITY LINE OF CREDIT APPLICATION PACKET

HOME EQUITY LINE OF CREDIT APPLICATION PACKET HOME EQUITY LINE OF CREDIT APPLICATION PACKET Thank you for applying for a Home Equity Line of Credit with Investors Bank. We will consider loans on one to four family homes which are owner-occupied as

More information

Agreement. Credit Card Agreement

Agreement. Credit Card Agreement Agreement Credit Card Agreement Shell Federal Credit Union, P. O. BOX 578, Deer Park, Texas 77536 713.844.1100 800.388.5542 FAX: 713.844.0694 www.shellfcu.org In this Agreement, the words we, our, us,

More information

MCU VISA PLATINUM CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT

MCU VISA PLATINUM CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT Municipal Credit Union MCU VISA PLATINUM CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT RETAIL INSTALLMENT CREDIT AGREEMENT 1. Definitions: In this Agreement the words we, us, our and Credit Union mean

More information

Further information about your mortgage

Further information about your mortgage Further information about your mortgage This booklet explains how we now manage your mortgage. It also explains how we managed your account before we made changes. The booklet does not set out to explain

More information