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Forms 21- 40 of 41 Available for 'Consumer Credit'

Home Equity Line of Credit Terms  

Home equity line of credit terms. The maximum annual percentage rate is reached. Variable-Rate Feature: The line has a variable-rate feature, and the annual percentage rate (corresponding to the periodic rate) and the minimum monthly payment can change as a result.

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Statement of Billing Rights  

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 [address] [the address shown on your bill] as soon as possible. Describe the error and explain, if you can, why you believe there is an error. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.

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Increase in Security for Open-end Account  

You have agreed to increase the amount of the (mortgage/lien/security interest) (on/in) your home that we hold as security for your open-end credit account. (3). the date you received this notice of your right to cancel the increase in security. If you cancel the increase in the security, your cancellation will apply only to the increase in the amount of the (mortgage/lien/security interest).

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Closed-end Credit  

(3). the date you received this notice of your right to cancel. If you cancel the transaction, the (mortgage/lien/security interest) is also cancelled. You may keep any money or property we have given you until we have done the things mentioned above, but you must then offer to return the money or property.

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Insurance Agreement  

Credit insurance is not required by bank nor is it a factor in approval of the extension of credit. I desire credit life and disability insurance. I desire credit life insurance only.

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Revolving Charge Account Agreement - Cardmember Agreement  

The word Account means your ___ Card Account. The Daily Periodic Rate for the billing period is 1/365th of the Annual Percentage Rate in effect for the billing period. Increases in the Prime Rate may cause the Daily Periodic Rate, Periodic Finance Charges and Minimum Payment Due each month to increase.

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Revolving Charge Account  

A revolving charge account is the perfect account for you if you prefer to make a fixed monthly payment and keep your purchase within a fixed limit. The difference is: you decide on the monthly payment you wish to make and your credit limit is set at six times this amount. As you make payments you may add new purchases up to your established credit limit.

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Increase in Open-end Credit Limit  

Increasing the credit limit will increase the amount of the (mortgage/lien/security interest) (on/in) your home. (3). the date you received this notice of your right to cancel the increase in your credit limit. If you cancel, your cancellation will apply only to the increase in your credit limit and to the (mortgage/lien/security interest) that resulted from the increase in your credit limit.

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Refinancing Closed-end Credit  

We acquired a (mortgage/lien/security interest) (on/in) your home under the original transaction and will retain that (mortgage/lien/security interest) in the new transaction. If you cancel the new transaction, your cancellation will apply only to the increase in the amount of credit. If you cancel, the (mortgage/lien/security interest) as it applies to the increased amount is also cancelled.

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Counteroffer  

Our credit decision on your application was based in whole or in part on information obtained in a report from [name, address and telephone number of the consumer reporting agency]. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You should know that the federal Equal Credit Opportunity Act prohibits creditors, such as ourselves, from discriminating against credit applicants on the basis of their ...

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Additional Terms  

If the bank should at any time be of the opinion that the collateral is not sufficient, or has declined or may decline in value or should the holder deem itself insecure, then the bank may call for additional security satisfactory to the bank and the debtor promises to furnish additional security. The call for additional security may be oral or by telegram or by United States mail addressed to the last address for the debtor shown on the bank's records. In case of the occurrence of an event ...

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Security for Existing Open-end Account  

You have agreed to give us a (mortgage/lien/security interest) (on/in) your home as security for your existing open-end credit account. (3). the date you received this notice of your right to cancel the (mortgage/lien/security interest). If you cancel the (mortgage/lien/security interest), your cancellation will apply only to the (mortgage/lien/security interest).

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Denial, Termination or Change of Credit  

Denial, termination or change of credit. — lacks acceptable types of credit references. The consumer reporting agency contacted that provided information that influenced our decision in whole or in part was [name, address and telephone number of the reporting agency].

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Home Plan Account  

The home plan account is designed to help you make major purchases and extend payments over as long as two years. You pay ___ percent down and a finance charge computed at the monthly periodic rate of ___ percent (which is an annual percentage rate of ___ percent) on the "modified average daily balance" except on accounts for ___ residents where the periodic rate will be ___ percent per month (annual percentage rate of ___ percent) to the amount of t

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Notice of Change in Billing Cycle  

In an effort to improve our service to our cardholders, we are changing our billing system during the month of April. To thank you for your patience, merchandise purchases and cash advances during this "no billing period" will be free of finance charges until billed in May. During this "no billing period," finance charges will continue to accrue on the "finance charge balance" appearing on the enclosed March statement.

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Credit Life Insurance Disclosure Statement  

Credit life insurance disclosure statement. Credit life insurance is not required in order to obtain this loan. -I desire credit life insurance.

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Open-end Credit Transaction  

This extension of credit will increase the amount you owe on your account. (3). the date you received this notice of your right to cancel the additional extension of credit. If you cancel the additional extension of credit, your cancellation will only apply to the additional amount and to any increase in the (mortgage/lien/security interest) that resulted because of the additional amount.

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Account Rendered; Express Acknowledgment of Correctness  

Account rendered; express acknowledgment of correctness. Notice: If the above balance is correct, please sign the following account stated and return immediately. I have examined ___ statement of account and find the balance of $___ to be the correct balance due ___ at the close of business ___, ___[date], which balance I agree to pay according to the terms of my contract.

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Confirmation of Nonexercise of Right  

Confirmation of nonexercise of right. Since more than three days have elapsed from the date of receipt of the right of rescission and other truth in lending disclosures in regard to the subject transaction[s], the undersigned warrant that they will not exercise their right to rescind and that they ratify and confirm the transaction[s] in all respects. Witness Customer Note: Each customer must sign.

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Notice of Right to Rescind-Opening Open-end Account  

(3). the date you received this notice of your right to cancel the account. If you cancel the account, the (mortgage/lien/security interest) (on/in) your home is also cancelled. You may offer to return the property at your home or at the location of the property.

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