tailieunhanh - CONSUMER CREDIT CARD CUSTOMER AGREEMENT & DISCLOSURE STATEMENT

In this section, we focus on the relationship between total bank credit to non-bank borrowers and the international components of bank credit in emerging economies (see Annex 1 for sample of 31). We find that, in the years before the recent global financial crisis, a rising share of international credit was positively related to a rising ratio of bank credit to In other words, the evidence systematically implicates international credit in credit booms. We also show that the economies most dependent on international credit suffered the largest reductions in bank credit in the period from mid-2008 to mid-2011 | CONSUMER CREDIT CARD CUSTOMER AGREEMENT DISCLOSURE STATEMENT VISA OR MASTERCARD WELLS FARGO Table of Contents Your Contract With Us Section 1 Pg. 1 Using Your Account Section 6 Pg. 2 Changes To This Agreement Section 12 Pg. 3 Fees And Interest Section 13 Pg. 3 Billing Statements And Payments Section 20 Pg. 4 Other Important Information Section 22 Pg. 4 Arbitration Section 31 Pg. 5 Your Billing Rights Section 32 Pg. 5 Interpreter Certification Section 33 Pg. 6 Notice To California Cardholders To our California customers who have discussed credit card terms and conditions with us in Spanish Chinese Korean Vietnamese or Tagalog Read Section 33 about interpreter certification before you activate your credit card. Antes de activar su tarjeta de crédito lea la sección 33 con respecto a una certificación importante. ai Mite ĩiỉ fM 33W x It 7 7 T_l I1 At Al 33 l iTl TỊ oIỈ y-â-ì Quan trọng Xin đọc Mục 33 để biết tin tức quan trọng về chứng nhận trước khi quý vj hiệu lực hóa thẻ tín dụng của mình. Mahalaga Pakibasa ang Bahagi 33 para sa mahalagang katibayan bago ninyo iactivate ang inyong credit card. Your Contract With Us SECURITY INTEREST PLEDGE COLLATERAL. This is a secured credit card account. In consideration of the issuance of this secured credit card account you have authorized Wells Fargo Bank . to open a deposit account called the Secured Card Collateral Account the Collateral Account in your name. To secure all of your obligations arising under this credit card account you assign transfer pledge grant a security interest in and set over to the bank all rights title and interest in the Collateral Account and in all renewals additions and proceeds of the Collateral Account. You agree that this security interest pledge and assignment includes and gives the Bank the right to redeem collect and withdraw any part or the full amount of the Collateral Account upon any default under the secured credit card agreement or in the event your secured credit card account is .