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(D) A' n~d VISA or M.1St~ICnrd Chock Feo 01 $20 II .llly VISA 01
Mdslch.....,(j check I~ IIwscntcd lor p.lynwnt and IOlurrlutJ hm':;l\lso your
Accounl is In dcl..ul1. lO~tllr.lcd tJuu 10 ddnqut'lIcy, ot v.ollltJ co1u!:>41 VIlIlI
Account b.1.l.lncn 10 ,'lCL'f'IJ yom [willi !UlIlI
(E)A Wlte Pnyment Fcc of $20 tolW:1 youl.,t 10 IlI,1kciltlt:.ISIUlIJ r.',Iurllwll
P.:aVlfwnlllY Ihc D.llo Paymcnl Duo shown WI your Slalllflltllll
(F) A Slop Payment Fco 01 $:20 i1lly lUll" you Il'flucslu Shlll p.lyrl1ellt on
it VISA or f,tll.tcICant chl'\;~.
8. Finance Charge, Tho Avcr.1fJO Oillty f'lInop.II13"Lllk:t.' IS cillcul;lll-d
scpm.llr.lylor l)urdl.1SCS .lnd c.:1:.h iltj-iaflw:;, Todclcllnlllo Iho Avmagc
0.111.,. rllncip.ll Ual.Jr\C(!. ",It alI,. Iho O,ll1y Ua!;l:lI:c~ ilml .hido tllC 101011 h~
tht) number OllJOlYS III 1I1C !olaltlllKml 11I111111"1 pmiod. Tho llfllount 01 ony
purCh.1St) or CilSh lItlvalleo, IncllJ(LUfJ VISA. M.15lelCnnJ dlt~c~, v.,lllleal
Fif\Jnco ChmUO hom tho dol" 01 ilK.' Ir,II1So:I::tlOu ollmm thu 1lI1.Ilby ollho
lltlllll9CYclc in whidllho tr.ll1snclion IS i1f'phcd 10 your Ate-OUIII. Wllichuvllf
151.;\tor.
Tho Onil;l Purchm.u D;lIanco is c.1k:ul.ltcd lly l"kinU tho d,lIty bcc:JlrlnllllJ
b.IL1ncU 01 purcflOlw5. mmus (II tho pOllion 01 paymcnls omd crt'f!ll
ndJuslments applied to Iho purclt.:lSO baLmco .nnd cred,1 ~oUchors. plu~ (h)
new purcha54.ls. dcbll purch;l:!c ndjustm~nls. Olnd le.!s (uxccpl.1ulom.III'
c.:111y .1SStlS5e(t 10m,; billed on cyela dilY whdl.11Q Iheluded mlhu ned <<J;IY
lloll.1ocol. Wo .....ill also odd pllriodlCfin;lflcu Charge c.:1lcuLllmlon Iho pnor
d.1Y'S Dally PUlCtl.l5C B.1L.1OCO.
Pay Iho lolal Now D.1lafICe by Iho Date P.lymcnl Duo ~hown on your
cunenl Statement .lIld incur 110 rUlilnco Charge on Iho Now Oal.ulCC 01
Purch.lsos. Tholo I~ n grace period of tit ICMl25 tl.ly5 10 o1VOllt o1ddlh0I1.11
FinanclI Chm[Jo Oil Iho New O.11.1nco or Purch,lses. ThelO Is 00 ~}(!riod
Wlthout.1 Fin,'IllCQ Chargo tOf C,lsh Al.hwlCCS tA'ColUSC a FlnJnt.:c Ch.utfO
is Imposed upon lhoso b.1Llf1Ces unlillhu!'.o ll<lL1neeS am 'lo1id in lull.
Tho Dally Ca~h Advance o.,I:\IIcu is c.llcul.l11!d by taking tho dillly
boginning b..llanc~ olcashndvnnccs. minu5(1) Ihepollionol p.,ymenlsnncl
credIt ad{uSlmonts ppplied 10 lho c..1~h advmlCo balance, plU5 (II) new cash
advances and leas (ellcepl .1UIOIn.1Iic.lll',. :l:1!.OSSCd lee:> billed on cydo
day which me included in tho next d.1Y balancol. We WIII.1150 add periodIC
Finance Ch:!tgo c.lkul.1led on Iho IlItor doly'S Conly Ca!..h Advance Oat.
ance.
A chnrgo wlllllo 85SIJSscd lot each Cmh Advance tmllsnchon "nd wI!1 be
rofloctod as an nddllioMl FinarlCo Chalgo. CnoJl Advance Irans.lCl10flS arc
V1SA""asterCald thcc~ ..ppbed to )'oor Account, AUlom"lcd T elltH
Machlno (ATM) disbulsements. nnd cash olJlaillL-d bV plcscnlill9 your
Cmd at any par1lcipaling Imanci.11 inslilution. The ch..1rgo .....,11 btl2~.. 011110
nmeunl ndvnncRd; howevel. II WIll not bo less lIl.ln $2.00.
Also, an .1(xill'Otlal FlImnce Ch.1fgn will be added lor the lollowlng tyl~!S (II
Iransac1IOOS "hieh me fcllcctcd as purch..1ses on youI St.llement \\'irc
lranslels. molloyorders. bels. klltory lid:Cls.1lltlc.1sloogaml/llJchlps. The
addillonat Fin:mcc Chmgo will bo ~;, ot the mnounl 011110 lrans.lcholl;
however, it will not bt! 1055111;111 $2.00.
9. Application of Payments. P.lymenls fcceived at tho lo.11lin{1 .1JtJr1'55
&pcctlicd on your SI.llcmenl pltor to 11:00 a m. on omy bUSlncs.s dJy will
bo applicdontho d.1yrcceiYL>tJ. Paymenls Jt!c('ivedallol 11 :0001_'". on;:lIty
business lJay and Pilymcnls received on nny non.business dav Will btl
applied Ihe ned business day. Pilymcnls rccci\'ro <II any olhel loc.1hon
may lncul a deL.1Y in croditlng to YOllr Accollnt.
We h.,yo tho IMJhl tOilpplyp.1ymonl$loyour Accounl OIl OUf discrollOn. Tins
spccthcnl'y ioelud.!s. but is nol hfT\llcxllo. tho nghllo ilpply p.lymcnts to
promohonal b.1L1OCOS prior 10 non.prolllOlJonilt h.lhnce!l,
10. Entiro Balanco DUe. II you '''lltom.lllt:> Ihe rcquirndpilymcnl whcnduc
or break any promiso in this ^U'l'Clocnl. we nmy dt,<.:I;lIc lhc t'nhro b;.tlanee
01 your Account duo nnd payablo 011 once Wllhoul prior oolK;o (subtl~1 tu
applicable taw rt.>goltd:ng nollCo or light 10 cure)
Wo moly olso mako this decl.uiltion il:
. you make n"y falso or nU!ileadlOg sl3to~nls cn yotlr appllc.,til,)O
. you havo OOcn doclnred b.lukrupt
. youdte
. thcro IS on ovenllhat C.1lI~CS tho prospect 01 paymenlto bo sit)nlhcantly
imp.1ired.
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t i. C;JnCcll.l1ion. Wu lIlay c,lIlwl YUill Account, fUllI~.f) 10 011, Ihot
lr"n~acllOns. indudlng VISA Of M.lslcIC.ud dM!Cks, or lovoko .,.._. Cmd
..I any tllne. whothur or nol VOu 1111) In delaull 01 any pollt oll/\ls ^yrecflIcnl
In lilt! c'il~nl....o lillo.u MICh.lt;llGll. we nl.1ydcdalO Itln OnllllllJ.lI.lnco 01 YOUf
Accourlt dun or IilVI'AJ Illu o1ITlOllllt ul your M'llllllum 1'.IYU\Cllt (suhWr.tto
llfOlwr flol,hC:illlon as rOtlUlll!d by apphC;lhlo Llw). C,IIlccIlallOIl ot ymll
An:l)ullt Will IlulnUcl:t '(0111 hillJlhly Itlll~ lor crodl wu havo e .Ienlk'fllo you,
Indutlllllj i1I1'lUlIllt!> not yut blllld 10 your Accollnt. Via ITl.1'f cane!!1 your
Account w,lhoul notlCll 01 h.1Uhly, You n111'i1 !>llllcndolthoCard I!lthcr upon
our I...'qll!!st Of tho IcqlX'st cluny othel b.ll1k vr ""!Ith.ml v.ho 1511ctlUU
UpOIl Ottr 11I511ucllon~
12. Fotelgn Tmnl.1l:Uonl. Wo .....llIcllilrr,o, nndyouwill PilY.IOu'S, lIull.1l&
lor .1IltOICIY" tr.ln~lclion5 ilt tho olch.JllQO rllto '" ctloct Iho I!;IY llclOlUlhll
Ir.m5.1Cllon prOCt'~SlntJ lillo. kJ ul ""' Ilfllllin9 dolta ollhls ^oroooM!Ill.thO
r.adlillWjO r.110 on VISAM.l~.If!lC.1rd U.1Ir.k'lctlOll$ is. ctlhl'r il govofllmcnl
In.lntLlled mlu or il v.holos,,11o Ill.llkel fllto, iIlCft.'.lM~t by 1~;,. Tho ex.
dI;Ul!JO fala u5Cd onlho tWIl!htt.:lloll pIOCC~&Il'1{llJ.llo "101'1' dille' hom tho
'.110 III clh:ct on cilhllr OWl d.llA ot YOllf 1t.lIlSllChon or lho dllu Iho
lI;lI\~lcllon is pOSlod to yom account
13, Changa 01 Tcrms, Vie ciJnthanlJo tho telms 01 mh AgloOloonl flt flny
tln\C ilndWl1I nollly youln flccord.lncu Wllh Ohio!;lw ,lIld "l1p!iCo'lble fcdclal
Ll'N. Thl~ noleo ....11100 mlllled to Iho soma mMIll~fi U~ wo svncl your
SlalcOlCllt.Tho IWtw limn!; wlllatlocf nllout~lilndllla t"ILloccslolho ollenl
not prohibllcd by Ohio law or npplil:.1hle Indeml Llw.
14. Other Provisions.
tAl We '101\'lJ no Icspon:Olllillly 10f lho 1.111mo 01 illlY nl;ldlinll. 1l1C1c1wllll.
l,nilllCrallnslllulion, ar olhel pilfly to honor your Cmll.
(8) II lcg<lt action I!O mquimd lly us. you w,1I POlY tho CO!its. inclutJlIlI]
:\Ilomcy's It'Cs.
(e) Each crodlt cmd account YOII h.1V~ WIUl u~ is scpmat" from IIny oth4.'rJ
yOIl h.1~C Wllh us and Fin:lfIcn CI"Wlfgcs WIll be cll.1lgod on ench <Iccount's
b.llm1Co. Ench ctedlt cmd Accounl v.11I bit fl'plos.cnletl by n dlllurcnl
ilccounl number.
15. Address Changcs. You illJrCC tOnotltYU5 Jltlmcdl.l1cly in Wtlllll9 II you
Cl1.1111)0 your i]ddlo!iS.
16. InterprotaUon. This Agremoont r.h..1lt bfl go~ernod by npphcillllo
loililml L1W i]nd Iho bws ollha Slale al OtUQ. II any pfovision 01 thi!;
Agreement h held tu be mllhd. thai WIll 001 llllecl the Wlldty 01 ti,e
rel11.1in.ng P'OVl$lOfIS.
YOUR BILLING RIGHTS
(Keep this notice for future use)
nus 0011(:0 contains Impoltanl anlorm.1lion nbout YOfJr fights .1Ild our
w:oponSlbthllCS under the Fnlf C'(.'tL! BlllllllJ Act
NoUfy Us In Case of Errors or Queslions About Your Bill
II you Ihink your bill is wrong, or II you "eod moru inlollTl.1lion nlloul a
Ir ",ns,1cllon on youl bill. Willa 10 U5 on n sep.1rato sheet allhe addless It!:tcd
onyoUf bdt. Wnlalo usas soon nspossilllo. Wo must hc.1t Iromyounolaler
1M" ro dolYS allel \VO sonl yOU the FIRST blQ in ....hich tho enOf or ploblem
appc:ued. Vou c.,n lelel>hQno us, bul dOIng so \\111 not pmscfVe your lighls.
In your leller, gl\fO U5 tho loUowimJ IlIlollnallon:
. your ",llno and accounlllurnbm
. the dolL.11 nmount ollhc suspecled enOl
. descf1bc Iho elfcr m~ expl.lin. I' you c.:1n, why you bclie~e Ihero is an
error. II you need moro inIOfIn.11101l. doscnbo Ihe Ilem you arc nolsum
nboul
. YOllr ~gn...luro and d.llfl.
II yuuhavo.lUlhollled us to,lolY yourcn.'iH c.:udblll autom.JllC.lllyhomyour
s.1'iing~ or chet:kjrtfJ nexounl. you can slOp Ihe payment on anv .1Inounl you
lhill~ IS WfOI19 To slep Ihft paynw.nl. your loller mus.! rench us lllmo
IIIISIl\OS5 (L1YS befole U10 automatic p.1ymclll is Gcht..'tfuled 10 occur.
EXHIBIT. \\~'
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