Direct Deposit Form (Page 2 of 5) in pdf

ROO / A+ GENERAL CUSTOMER ACCOUNT INFORMATION AND AGREEMENT

Phone: 678-720-9006 Fax: 770-674-7600 Website: www.

Based upon your request and inquiry, ROO/ A+ have agreed to provide information to you about its

financial products and services. You hereby consent to our communications to provide you with

updated information about its products and services as well as any changes that may occur in the future,

You, the undersigned Applicant, have inquired about certain financial products and services and have

expressed interest in establishing a customer/business relationship with either Rent or Own, Inc. (ROO)

or A+ Financial Services, Inc. and each of its affiliated corporations, A+ Auto Insurance Agency, Inc., A+

Loans, Inc. (collectively, “A+” or “we” or “our”). In order for “ROO” or “A+” to process your application for

our financial products and services, we require the information (listed below this agreement) from you,

which you hereby agree to furnish to ROO/ A+ in consideration of the products and services to be

offered and (if your application is accepted) furnished by ROO/ A+ to you:

Furthermore you agree to receipt of periodic marketing information from ROO / A+, whether

communicated by means of your residential telephone, mobile telephone, email, facsimile, or a

text message. You understand that you may revoke your consent at any time by providing written

notice thereof to ROO / A+ at the following address: Compliance Officer, A+ Financial Services, Inc., P.O.

Box 492769, Lawrenceville, GA 30049; or you may visit us on line at to

revoke your consent. As a consumer you are not required to create, send, receive, recognize, accept be

bound by or otherwise use electronic signature or records without your consent. You hereby agree that

your signature on any A+ form or document, whether original or electronic, shall constitute your

valid and legally binding signature and that this signed form, if stored on electronic media, will

have the same validity and legal effect as the original form.

NSF and Electronic Declination Fee Agreement:

With respect to your attempted payment for any product or service offered by ROO / A+ if your check or

authorization instrument is returned unpaid, for any reason, we may elect to re-present the returned draft

up to two more times. In such event, you hereby agree that we may collect a declination fee or NSF fee

from you in an amount not to exceed $30.00 for each and every time that we resubmit your initial or

subsequent check or electronic authorization for acceptance and it is returned unpaid, to the extent that

such fee is permitted by state law. Similarly, should we elect to process your payment by means of

electronic funds transfer (“EFT”) or automated clearing house (“ACH”) and your electronic payment is

refused, you hereby agree that we may charge your account an electronic declination fee in an amount

not to exceed $30.00 for each and every time that we submit your initial payment (or any subsequent

payment) for acceptance and it is refused, to the extent that such fee is permitted by state law. To the

extent permitted by state law, you hereby agree that A+ may charge you an amount not to exceed $30.00

for each returned payment, excluding, however, any additional fees for resubmissions.

Right to Collect and Apply any Balances Owed Agreement:

To the extent permitted by law, you hereby authorize ROO / A+ to offset outstanding balances owed by

you against your credit balances and assets maintained with ROO / A+ and further, you authorize A+ to

contact persons having dealings with you and to obtain any needed credit reports, in connection with

products or services requested by you or our collection of outstanding balances owed by you. In the

absence of your prior written instruction, we will apply any payment received from you to any ROO/ A+

entity with a negative balance then showing on its books. Any payment received from you shall be applied

first to unpaid interest, then to unpaid costs and fees, and then to any principal balance owing by you. If

authorized by you, we will also pay amounts that you might owe to any company with which A+ has a

collection and payment agreement,

Applicant’s

Signature______________________________________________Date_________________________

Direct Deposit Form Page 2

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