Evans Toyota

IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT:
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, street address (P.O. Boxes are not allowed under Federal law), date of birth, and other information (including your Social Security or Tax Payer Identification Number) that allows us to identify you. We may also ask to see your driver's license or other identifying documents when appropriate.

All Account terms are governed by the Cardmember Agreement sent with the Card. Account and Agreement terms are not guaranteed for any period of time; the issuer may change all terms, including APRs and fees, in accordance with the Agreement and applicable law.

This information is accurate as of 07/2009 and is subject to change after this date. For current information, please contact Toyota Financial Savings Bank at P.O. Box 6329 Fargo, ND 58125-6329 or call us at 866-613-2955 (TDD 888-352-6455) for any changes.

¹Upon Account opening, your APR will be based upon your credit history.

²The introductory APRs will end early and increase to the APRs for Purchases and Balance Transfers if your Account is over the limit or closed, or to a Delinquency Rate APR if your Account is delinquent as further described above and in the Cardmember Agreement. We apply payments to balances with lower APRs first. Any Purchase or Balance Transfer made during the promotional period that remain unpaid at the time the period terminates, will accrue finance charges at the APR for Purchases or Balance Transfers otherwise applicable under your Cardmember Agreement.

³The Delinquency APR will apply to all balances in the event the Account is 60 days past due once or 30 days past due twice in any twelve-month period.

⁴The Prime Rate used to determine your APR is a variable rate that is adjusted monthly based on the highest Prime Rate published in the Money Rates column of the Midwest Edition of the The Wall Street Journal in the last 90 days. (Currently 3.25%)

⁵Does not apply to Toyota Rewards Visa® Signature Accounts.

Notice to California Residents: A married applicant may apply for a separate Account in his/her own name.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin statutes, or court decree under section 766.70 adversely affects the interest of the issuer, unless the issuer, prior to the time the credit is granted or an open-end credit plan is entered into, is furnished a copy of the agreement, decree, or court order or has actual knowledge of the adverse provisions. If you are a married Wisconsin resident, credit extended under this Account will be incurred in the interest of your marriage or family. If this credit Account is opened, TFSB may give notice to your spouse.

Notice to New York Residents: New York residents may contact the New York State Banking Department at 877-226-5697 or by writing to the Research & Technical Development Assistant, 1 State Street, New York, NY 10004-1417 to obtain a comparative listing of all credit card rates, fees, and grace periods.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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.

The creditor and issuer of the Toyota Rewards Visa is Toyota Financial Savings Bank. You must have a valid permanent home address within the 50 United States and the District of Columbia. Terms, conditions and restrictions apply and are fully described in the Toyota Rewards Visa Cardmember Agreement and the Toyota Rewards Program Terms and Conditions ("Terms and Conditions"), and may be amended from time to time.

APPLICANT STATEMENT: By submitting the application, I represent and warrant that all information I provide in connection with this application is true and complete. I understand that Toyota Financial Savings Bank (TFSB) will rely on the information I provide in making its credit decision. I understand that if TFSB opens an Account on this application, I will be individually liable for all fees and charges incurred on the Account, as specified in the Cardmember Agreement I will receive with the Card which may be amended from time to time. I further understand that such fees and charges may change from time to time. In determining my eligibility for credit now and in connection with my Account, I authorize TFSB to verify my employment, income and all other information I have provided, and obtain information about me from other creditors, credit reporting agencies, employers, third parties, and federal and state records, and I hereby waive any right of confidentiality I may have in that information under applicable law. If I do not qualify for the Visa Signature Card, submitting this application constitutes my application for a Visa Platinum Card. I understand that I must be at least 18 years of age to qualify for a Card. I understand that my credit line will be determined after TFSB verifies my application. By providing a telephone number for a cellular phone or other wireless device, I am consenting to receive communications at that number, including, but not limited to, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from TFSB and its affiliates, agents and service providers. This express consent applies to each such telephone number that I provide to TFSB now or in the future and permits such calls regardless of their purpose. These calls and messages may incur fees from your cellular provider. By submitting the application, I certify that I have read, understood, and agree to the terms of this application.