Net First National Bank KFS MasterCard« Program. A refundable $500 Reservation Fee is payable to KFS (the "Reservation Fee") in connection with the opening of your account. The Reservation Fee will be charged to your credit card account and will fully utilize your initial $500 credit limit. Before you may use your card or account to make purchases or to obtain cash advances, you must make payments on your account. The difference between the total unpaid balance and your credit limit will be the amount of credit available to you.
Reservation Fee Refund Policy. This program is offered through Key Financial Systems, Inc. ("KFS"). KFS is not affiliated with Net First National Bank, the issuer of the Net First National Bank MasterCard«. If you choose to close your account, the Reservation Fee will be credited to your MasterCard« Account by KFS. If the posting of the $500 Reservation Fee results in a credit balance, the credit amount will be refunded to you by Net First National Bank.
Renewal. Your Net First National Bank MasterCard will have an initial term of 24 months. At the expiration of this period, if you are in compliance with the terms of your KFS MasterCard account, Net First National Bank will renew your KFS MasterCard account for successive one-year periods until (i) you direct Net First National Bank to close your account, or (ii) Net First National Bank otherwise closes your account in accordance with the terms of the Cardholder Agreement.
Acceptance. Your credit card account will be opened by Net First National Bank of Boca Raton, Florida. Use of the card issued in connection with your account will confirm your acceptance of the Terms and Conditions of the Net First National Bank Cardholder Agreement that will be sent to you along with your Welcome Letter. You agree to be responsible for all charges to your account according to the terms of the Cardholder Agreement. You understand that the terms of your account are subject to changes as provided in the Cardholder Agreement.
Application Processing Fee: You agree to pay a one-time processing fee as disclosed below. The processing fee is a FINANCE CHARGE for Truth in Lending purposes. Net First will generate a one-time electronic debit within the next business day from your checking account based on the information you have already provided us.
MEMBERSHIP FEES
--Annual Fee: $96 Per Year ( payable monthly, at $8 per month. )
APPLICATION PROCESSING FEE
-- $89.95, $109.95 for a joint cardholder (if applicable)
TRANSACTION FEE FOR PURCHASES
--None
TRANSACTION FEES FOR CASH ADVANCES
The greater of $2 OR 3%
Refundable Reservation Fee: A $500 Refundable Reservation Fee will be charged to your credit card account.
Credit Card Fees: Transaction Fee for Cash Advances: the greater of $2 or 3% of the Cash Advance; Late Payment Fee: $25; Over Limit Fee: $25; Check Returned Fee: $20; Reinstatement Fee: $20.
Minimum Payment: The Minimum Payment Due for each monthly billing cycle will be the greater of $15.00 or the total of (i) 3% of the New Balance shown on your monthly billing statement, plus (ii) any amount past due.
Cancellation: You may cancel this application by notifying the Bank in writing to the P.O. Box or e-mail address that is listed below. If you cancel after fifteen days following our receipt of your Application Processing Fee, the Bank may retain your processing fee. However, if you cancel before the fifteenth day, your processing fee will be returned within 7 business days from our receipt of your cancellation request. The mailing address is P.O. BOX 18805 D-10, Clearwater, FL 33762. The e-mail address is executivecouncil@4servicesupport.com.
Copyrights & Trademarks
COPYRIGHT ⌐ NET FIRST NATIONAL BANK 2000. ALL RIGHTS RESERVED. The Net First National Bank logo is a registered trademark and/or service mark. Net First National Bank may also claim trademark and/or service mark rights in other marks contained in the pages.
No Warranty.
The information and materials contained in these pages - and the terms, conditions, and descriptions that appear - are subject to change. The information and materials contained in this site, including text, graphics, links or other items - are provided "as is", "as available". Net First National Bank does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.
Limitation Of Liability.
In no event will Net First National Bank be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Net First National Bank, or representatives thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other Internet resources are used at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by Net First National Bank.
Submissions.
All information submitted to Net First National Bank via this site shall be deemed and remain the property of Net First National Bank and Net First National Bank shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides Net First National Bank through this site. Net First National Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Net First National Bank entity having the direct customer relationship or as otherwise specifically agreed or required by law.
Jurisdiction, Venue and Choice of Law
The use of this site by clients and customers and other third parties shall not confer jurisdiction, venue or any other means by which to file a legal action in any jurisdiction other than the 15th Judicial Circuit, in and for Palm Beach County and/or The United States District Court for the Southern District of Florida. Use of this site constitutes consent to the jurisdiction of the courts named above for any dispute related in any way to Net First National Bank or its products. The content or use of material from this site shall be inadmissible in any legal proceeding except to enforce the jurisdiction and venue terms set forth above. The use of this site shall not confer state court jurisdiction in matters wherein federal court jurisdiction applies or in cases involving federal statutes or federal questions of law. This Agreement and the Terms of Use in their entirety shall be governed under federal law and/or the law of the state of Florida, where the same is applicable.
Printing date 3/29/2001 . The above credit terms were accurate as of the printing date, but are subject to change after that date. To check on any changes since the printing date, you should call Net First National Bank at 1-888-900-2262.
If you are a married applicant you may apply for credit in your own name.
Ohio Residents Only: The Ohio laws against discrimination require that all creditors make credit equally available to creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
New York Residents Only: New York residents may contact the New York State Banking Department at 1-888-518-8866 to obtain a comparative listing of credit card rates, fees and grace periods.
California Residents Only: Regardless of your marital status, you may apply for credit in your name alone.
Puerto Rico, Virgin Islands, And Wisconsin Residents Only: This program is not offered to residents in these areas.
APO/FPO Addresses Only: The program is not offered to residents with addresses in these areas.
Illinois Residents: No applicant may be denied a credit card on account of race, color, religion, national origin, ancestry, age (between 40 and 70), sex, marital status, physical or mental handicap unrelated to the ability to pay or unfavorable discharge from military service.
*Qualifiers: You must be at least 18 years of age, a U.S. citizen or permanent resident of the United States and have a valid checking account.
