It is the Agreement with all the terms and conditions of Line of Credit or Loan. It enables, you as the customer, to be fully aware of all fees and terms associated with your loan. Included within is the Electronic Funds Transfer (EFT) Agreement authorizing us to send funds to your account and authorizing your bank to send repayment of the loan plus fee in the form of EFT/ACH debts. It also includes the Federal Disclosure Requirements as required by law.