Terms and Conditions

Electronic Signature: By selecting the "Continue" button below, I agree to the following, as if actually signed in writing: (i) The information given in the foregoing Application is true, correct, and complete as of this date; (ii) I have applied for a credit card from FAIRWINDS Credit Union (the "Credit Union") and authorize the Credit Union to obtain a credit report, confirm all information on the Application, and answer any inquiries about my credit experience with the Credit Union; (iii) I understand the Credit Union will retain the Application whether or not it is approved; and (iv) If the application for a credit card is approved, my use of the card will bind me to all of the terms and conditions contained in the Credit Card Agreement provided to me with the card.

I agree no certification authority or other third-party verification is necessary for the validity of my electronic signature, evidenced by my selection of the "Continue" button below. I agree the lack of such certification or third-party verification will not in any way affect the enforceability of my signature or any resulting contract between the Credit Union and me.

Notice of Non-Discrimination and Compliance Policies

It is the FAIRWINDS Credit Union's policy not to discriminate against any applicant with respect to color, race, religion, national origin, sex, marital status, age, the receipt of public assistance, part-time income, or exercising rights under any consumer protection act. It is the credit union’s intent to comply with all consumer credit protection statutes and regulations.

Certification and Agreement

The information listed on the application and the information on the accompanying financial statements and schedule are provided for the purpose of obtaining credit for the Business identified above ("Business") or for the purpose of the undersigned, individually, guaranteeing credit for Business (Business and the undersigned, individually, herein together called "Applicants"). Applicants, jointly and severally, acknowledge that representations made in this Application and the statements and schedules provided herewith will be relied on by FAIRWINDS Credit Union ("Creditor") in its decision to grant such credit. The information provided in or with this Application is true and correct in every detail and accurately represents the financial condition of the Applicant(s) on the date given below. Creditor is authorized to make all inquiries it deems necessary to verify the accuracy of the information contained herein and to determine the creditworthiness of the Applicant(s). Applicant(s) will promptly notify Creditor of any subsequent charges that would affect the accuracy of the said information. Creditor is further authorized to answer any questions about Creditor’s experience with Applicant(s). Applicant(s) are aware that any knowing or willful false statements regarding the value of the above property for the purpose of influencing the actions of this Creditor can be a violation of federal law 18 USC §1014, et seq., and may result in criminal penalties. Each of the undersigned declares that he/she has read and understands the statements above.

Business requests that Creditor issue a Commercial Credit Card to be used in its business. Business agrees that, if it is approved for a credit card, use of the card shall constitute the conclusive acknowledgment and agreement of Business that it has received the Credit Card Agreement to be mailed to Business if this application is granted (the "Agreement") and Business is bound by the terms, conditions, and disclosures of the Agreement.

Applicants acknowledge and agree that Business is authorized to do business in the State of Florida, and the Board of Directors or other managing body of Business has in a properly noticed meeting, approved this application to be signed by the undersigned on behalf of the Business.

Personal Guaranty

Each of the undersigned, individually, agrees that he/she is deemed an Applicant for all purposes and personally guarantees and shall be personally responsible, jointly and severally, for the repayment of any and all obligations of the Business. Each of the undersigned, in his/ her individual capacity, jointly and severally, agrees to make prompt payments to Creditor according to the terms of the Agreement.

Security Agreement

As security for payment of all indebtedness of Business pursuant to the Agreement, Business and each of the undersigned, individually, grant to Creditor a security interest in all shares, deposits, and accounts, whether business or personal, existing now or in the future, held by Creditor and which any of Business and the undersigned, individually, have an ownership interest. Each of the Applicants acknowledge that this security interest is a condition for the credit card account, and the undersigned, both on behalf of the Business and individually, intends to grant such a security interest.