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MELVYN S MANTZ & ASSOCIATES, P.C.
VALERIE S. ROSENBLUTH, ESQUIRE
Attorney I.D. 72094
25 E. State Street
P.O. BOlC 2284
Doylestown, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
AMERICAN EXPRESS TRAVEL RELATED
SERVICES, INC.
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
vs.
ROBERT E, BINION
:NO. Q7- 'IJ-I" CwiJ -r....-
CIVIL ACTION
1. The Plaintiff is American Express Travel Related Services
Co., Inc. a corporation.
2, The Defendant is Robert E. Binion, an individual with a
place of residence located at 41 Queen Avenue Enola, pa 17025.
3. At the written request of the Defendant, Plaintiff issued
to Defendant a American Express Gold credit card, account number
3728-082194-33006 and, at all times relevant hereto, Defendant was
the holder of said card issued through Plaintiff's credit
facilities.
4, Defendant, upon acceptance of Plaintiff's credit card,
agreed to be bound by the terms and conditions of Plaintiff's
credit agreement. A true and correct copy of said agreement is
attached hereto, made a part hereof and marked Exhibit "A",
5. As of '-15-93 Defendant had a balance of $4,414,99, In
addition to the balance there was a deliquency charge added in the
amount of $104,37, Defendant has paid the amount of $300.00
against the claim and is entitled to a credit of that amount, The
last payment was on 9-22-93.
, AGREEMENT BETWEEN GOLD CARD MEMBER
AND AMERICAN EXPRESS
TRAVEL RELATED SERVICES COMPANY, INC.
WEJ.COME TO M1FllICAN I'Xl'lll'$S'
GOLD C^llU MEMIIEnSIIII'
Ple:ISe ~ lhJs Agreemenl thoroughly, bocause when you \<rep. sign or use the
encIosaI Nntrlcan Express Gold CaJd you a~ 10 the ImnS 01 tltls Agreement 11
you do not wish 10 be bourd by this ^greemen~ cui the CaJd In h3ll, Slra you
askzd us 10 Issue the Can!, you ~ the Basic Catdmembtr 3I1d you have ...
attOUnt with us. You m.., ~ that \\1! Issue ~ Can! on your xroonllo '1I101h-
er penon. ard If v.e do. Ihat penon Is caJkd an Addldonal Cardmem~r on
your acalunl The lenn Card refers 10 the AmerlCUl EJep~ Gold CaJd Issuello
you and all other CanIs Issued on your accounl
USING TIlE eM II
We welcome you to use Ihe Card 10 pulthase goods 3I1d seMCtS from ebbllsh.
ments accepUng Ihe Card. YOU:lll! responsible lor paying all3l110unts charged
to your account by either you or any AdliUonal Canlmembm, which Include,
wllhoulllmll:lllon, pulthases, amounts guaranteed by use 01 the Card. and all
Ices. YOU:lll! respornlble lor paying lor any purchase wbm you or an
AdliUonal Canlmemller shOl\'ed an InJentlo Incur a ch~ even II you have
not slgnt>! a charge lonn or presented the CanI.
You may nol pennH any other penon to use the CaJd Issued 10 you, "o~er.
you ~ responsible lor paymenl 01 all charges made with CanIs Issued on your
accoun~ even If you hm let someone ebe use the Cani You a~ 10 nour., us
al once Illhe Can! Is lost or slolen or f'lIIsuspec\ your accounlls being used
without your pennJsslolt
You a~ 10 use the CaJd only lor leglllmate pulthases ci goods or seMCtS and
not lor the purpose of ollIatnlng ash !rom an est:ablJshmenl We will not be
responslble II any establishment muses to honor the Can! or lor any other
problem you may have with ruch esUbllshmenl You may not resell any goods
or smices obtalned with the Cani You lIlty iftum a purchze 10 an elabllsh.
ment accepUng the CaJd for credJtlo your accoon~ If llul esUbllshmmt ~.
mlts such I!tums, but not lor a cash I!lund Remember that outside lhe
United Stales, I!lums ~ usually more I!Slrided.
The AmerIcan EJepress CaJd has no pre,set spendingllmll Each charge Is eval-
uated In IIghl 01 your spending ard payment patterns on all your :IlXOUnts..th
us and our alIillales. your experience wilh other cred1101S. and your personal
resources known 10 us. We I!5<I\'e the righllO deny any f!<\\Je\t lor author1u-
Uon lor a charge lor any l!a5On. We may also Il!QU!5l addiUonallnlOl1lllUon
lrom you al any Urne.
^,JOmONAI. CAllUS
AdliUona! Cardmemben do not hm ICtll\Ints wtth us. Any AdliIlon3l Can!
may be anceIled by f'lII or us. Wtlonal CanIs blued on your ICtll\IIIl must
be used In a manner coosbJenl wtth this Agl!enenl You abo authorne us 10
dl!cuss the account wld\ Adlillonal CanImembm In the COUl'le 01 nWnl:alning
your accounL We may, at our dlscl!lloo, pumlf Adlitlonal Canlmembm lor
p:tymenl oIlhe!r 0\tI1 ch,'leI ~ you 1a.11O pay d~ charp.
ANNUAL 111$
The annual Basic Card fee Is m nle annU311ee lor each Mblion31 Card on
"', ur xrounlls $JS nle 'nm.allee lor each Card Is ho:rnsrd bY $S .Ihe
billing a<fuss 01 the 8-1Slc Cardmember Is outside lhe U S
RrNL"',\1 or L\1,(l~ ANll C\NCO 1.\111''' PlAINT1Ff'S
Tht cant ,,;11 bo "lid MIllin lho! 11m" f""'iod ernl-o"""Il\l' I r:-IBIT
mue )'Ou "",tw1l orl!f'l,""""'" Can.!< bIoI"1! tile (ur!1'Rl
-.- ._~""-
will conUnue 10 do SO unUI your account Is cancelled, We will bill renewal
Ices lor Ihe account annually al the rales then In eIIecl
The cant remains our propelly and we may I!'/Oke your right 10 use It II any
lime. We can do this whether or not you have bre3Ched the Agreement and
without giving you notke. II we I!'/Ok! the Card ard you have not breached
Ih" Agreeml!ll~ \\1! will refund a portion of your annual Can! lee upon requet,
We may advtse establishments accepIlng Ihe Canlthal the CaJd Issued 10 you
h:u been cancelled. 11 \\1! cancellhe Can! or It expire!, you may no longer use
It and you musll!lum It 10 us or,ll 'M! reques~ 10 an esbbllshment that
accepts the Cani
11 you ask US 10 cancel your account, bul you conUnue to loSe the Card. 'M! will
consider such use as your request for mnsutemenl ci your accounl If we
agree 10 I!Insl3te your accoun~ this Agmonenl or any amended or new
^glt'ell1enl \\1! send you ..II govern your I!:!nsuted accounl When 'M! I!:!n.
s1ale your :lCCOun~ we may !!instate any AdliUon:ll Cards Issued In connec.
lion with your accoun~ and bill you lhe applicable annu:u lee(s),
I',\YMI'NTS
Paymenl lor :III charges Is due Immediately upon rectlpl of the billing state-
menl we rrutll to you, You must notify us Immediately of any change In your
billing address, You must pay us In ij,s. currency, with a draft or a check
drawn on a U.S, bank and payable In U.s, dollm, or with a nqotlable Instru-
menl payable In U,S. dollm and de=ble through the U,S, banking 5jSlelIl.
II we decide to accepl payment made In some other Iorm. your paymenl will
not be mdIled unllllt Is com'trted InlO one oflhe lorms desaibBI in the pre-
"OIlS sentence. We may charge you any COIlts \\1! Incur In conYestlng your
payment II any p.ymenl made on your actllUntls not honored lot' Its lull
amoun~ we m.., charge f'lIIr account $1 S 10 cover coIlectlon COIlts on that
p:\)1llen~ unless otherwise provided by the law of your lumdJctlolt
We may IlXepll3te payments, pml:d paymenls or any p2ymenls marked as
being p.ymentln lull or lIS belngselllemenl ci any dlspute without losing any
01 our rights under this o\gJ!ement or under the law, II we accepl such pay.
ments, this does nul mean \\1! agM 10 change this Agreement In any way.
You a~ 10 pay all court COIlS plus attorney's fees 0115" ci the then uf1Wd
boJance d \\1! mllst refer your lICCOUnlto an anomer who Is not our emrIoyee.
511bjs:! to the 1.-. of your rurisdidlon.
I ,\ 1'1, Inos
We wflllend you a hilUog Slalemmlal the end of each billing period Onll!r'
nls IIl1A'l'OltlInately one month). E3ch bllllnl stalIS'lleI1I willldmtlty a
"CICIllnt Date", which Is the cut4 date ~ delermllll for lndtdnl chqe
and ~ lor llut billing perlaI. 11 chargls 01\ a blUing Sl2II!lII!Ill
rem:lln unpaid. we may assess a l:\le fee. The 2IllOUnI of the lilt lee ~
on the length II Umt your nounl has remained ~ and the Olnss 10
..t,1ch your bill Is SflIl
^- II any anlQlU1\ tQl~lIing mol! 1h2n 110 Is unraJd lor two billing peri.
od!, the lale 1te..1I be the gmrer 011::0 Of :.~1I all2lllOUnts
lI'1'ak1 lor at It:ut Olle billing rertod
amount tnUllinl n_lhan 1\0 lIunraJd for IMt Of_
I rmoo.. Ihe hie lee ..,11 be tht ~ 0111/ 0< 2 S'l. 01 all
!l\l3 Hl'l'1ld 1..'1 !l !oC\ll1\l1f blW". ~
hl;of .1. r.., !"",j 1>" '00 R ,~~. tht r<~~._.. ~ o;llllf
t (,,, ~.r._1f1!!t\ -.,ih r-.nif\t ~1111"!4'H'l in I~f' f1JU0'lr1t11 \ltft'5 1m
any :unounts unpaid for l\lIl or more billing perfods: low:t-1.6\";
Loulsl:U1a-I%; Mldlig3l1, Texas---I.5"; Mmlsslppl-grc:zlerol $S or
2,S~ ($50 m3X.); North Dakota-US%; V1rgJnla-2.SrL M=husetts
arxI WllC0ll11n c.tnI accounts wlU be ~ I.S% and 1%, resre;th'ely,
only on amounts unpaJd for thrre or more billing periods.
D. If ~ny amounlls unpaid for one billing perfod and remaJll1 unpaJd for
more than 19 dal1 after the Closing Dale of that billing perfod bUlls
paid before the nexl Closing Dale, the lale fee will be $12, and the fees
described above do not apply. This $l2latelee does no! apply to
mounts In California, Iowa, louisiana, Massachusetts, Michigan,
MlsslsslPl'l, North Dakola. Texas, Virginia and W1scoll1ln.
Once we have added a late (ee 10 your billing statemen~ we may conUnue
10 do!o for :IS long as your accounl remaJm unpaJd.
us\: OF C,\SIJ ANI> TH,\V\:l.I:IlS ClJl'qIJE
IJISI'ENSINC; ~,^nIlNES
lVe encourage you 10 enroll In our Express Cash Program, and we will send
you a !peclal agreemenl conctmlng use of the c.tnIln connection with Ihal
Program, The fee for using the Can! 10 oblaJn cash from a dispensing
mxhlnets lhe glnter of u.so or ~ of the lransaclJon amoun~ lIJ1lO a
muJrnum (ee of $10,00, A I"COI11lIIllslon Is charged (or Travelen Cheque
pUlthases.
CIIAllca,s ~IAI>E IN rOlll:lC;N Cl'IlIlFNc:lI'$
If you Incur a charge In a (orelgn currency, U wlU be convertellnlo U,S, dol-
1311 on Ihe dale IIIs~rocessed by us or our agtnts at a rate lei by us b:1sed on
an Interoank, lOurfll or (..ilere required by law) offidal12le, Increased In
each Inslance by III ThIs 121e maTdilfer &om 12leS In effecl on the dale 01
your charge. Charges converted by establ1slvnents (such as airlines) ..;11 be
bJllel al the 12les such eslabllslvnents use.
OENEFlTS ANIl Sr:IlVICl~S
SubJect 10 the law of your /urfsdlct1on, we reserve the righllo UI. modify or
delete anT benefil or !e1Vk! olIered with the Can!11ln'f Ume wlthoul nollce
to you,
INSIIIlANC:\:
If you use lhe Can! 10 pay IIl!UrlI1Ce premiums, you gtoe us pennJssJon 10 PiT
those premiums (or you when due. You agm 10 repay us lICCOrdingto the
term! of IIUs A.-l You must leD us In IllriUngl( IOu no Ion~ wish us
to paT any pmnlUlll! for \'OIL If your lCXOUnlls canC!!led, we will stop plY-
Ingthose premlUIll! (or you.
PIlIVACY
Consumtr Rt(I<Wfs
You authonz II! and our affiliates to rom whatmrcredilll1'l!!llgatlons we
deem lA'rq>riale and 10 obWn and exdwtgo any lnIonnlUon ... may
ns:et..lrom consumer I!pOIts and._
We may ask consumer "f'OItlna 1gendf$ (or consumer repoI1l of your credil
history, Upon request. Wl! wtlllell you whether I consumer flI!01'I W1S
I!lJU'5Ied and the nane and llih:a oflht agency lhaI CumbIted It
Inlannallon con::emlna your IllXOUI1l may be fumJsIlel by II! III consumer
Il;'Ortlnllaens. banks or other credilm. II we delmnlne thai your
ICtllIII1t Is pI$ due. advene credlllnfomullon may III'f'elI' OIl your con-
!umer flI!01'I and the consumer repoI1l of anT MlIUonaJ Cril......t>a, on
roor lCCOIllll
l'iformatiotr l'rolWJ ., AffJiata
We may uchango any Inbmation we real.. aboollllU wlIh our altdl_
Inclull"glll!' credit or other Information Wl! may obI.1In from your ~lca-
Uon or COll!umer ~
r~.. Me<tlAltm.(
from time 10 limf 1IIf may IllOIIImr ~ !JIb ~ JI'U or Mdltiooal
Ct~ and U! 10 111,", tht qll2llty cl our "nlOOltf _It..
.lfailingLislS
lVe may use In(onnaUon you have provldelto U! on your InlUal applicaUon
and In !ul"lt)1.lnlorm:ltlon derfve! (rom how you use Ihe canl and Inlonna-
tlon (rom external !OUl'CE!, Including consumer repolt!, for marketing actJvI-
Ues (including mailing Ill!!), by II! and our affiliates, lVe may also use Inlor-
matlon derive! (rom how you use the Can! and non-credlllnlonnaUon avail-
able (rom public !Curtes 10 develop mailing lilts which are used by companles
with whom we work 10 develop orren you may receive through the mail. I( at
any time you wish to have your name and address removed from such lists,
ple:ase call1.800-321-2Jn
C11.\N( aNt; 'I illS At;n~r:MENT-ASSIGNMENT
lVe have the rfghtlo change this Agreemenl alln'f Urn.. lVe wtU noUfy IOu of
any changes. lVe consider that you have acceplel the changes If you keql or
use Ihe Canl after we !eJ1d our noUte.
I( you do not accept the changes. )'OU may ImnJnate this A.-I by CUtting
the c.tnIln hal( and notifying II!. lVe will then refund a portion of )'Our annual
Can! fee. You will !ull be responsible for all fees and charges male bd'~ you
lermlnatelthe Agreement
lVe may mlgn thtsAgMmenl II any Umewtthoul n01lce. ..,..; ';'-' .
ArPUCABLB lAW
This Agreemenlls governed by the laws of the Slate of NeW' York
and applicable federalla....
AMERICAN EXPRESS
TRAVEL RELATED SERVICES COMPANY, INC.
~:~Skillem )'- I / / J"
Consumerc.tnlGroup f' ~ ~
, "
SIGN & TRAVEL~, 'I, ;
ACCOUNT AGREEMENT
IIIE SIr;N ~ TIl,\VEL ACCOUNr IS NOT AVAlLAllLE
IIN" II ^F1HI YI III flECrJVE N0l1f1CATION FROM
liS, AFII'fl YOII IlECEIVr: SUCII N<TIlFICATION
mOM liS, l11IS AC;Rm:MF.NT API'UIlS 1'0 YOUR USE
OF Till' AU;OllNT. TIIF. Tr:JlMS ANt> CONDnlONS GOV-
UININI;11f1i SI(;N $c TRAVEL AlXOUNT AlUlSllTfORTII
IN '(IIIS ^laWEMENT, ANI) UY EU:C11NG 1'0 usn nlE
$IC;N." '1llAVI'l. ACCOUNT, YOU AGRIillTO BIl BOUND
In' 'I IllS ACORI'INI'NI'. I'Lr:ASE flEAI> IT CAREflJU. Y.
I, '1I~" .111I' nON OF 11 II: SI<.N '" TRAVEl. ACCOUNT
The Sign I TrmI AttounIls oITeed by ImlIatIoa onIr, n III d!lerred
paymenllCI:lIIlI1\ oImd by Amerlc:an EJpms Ca1Iudon IIanl (the
.Bankj, n permllJ you 10 dekr pl}'l1lelll Cor airline lIcbb, ClIIIle ~
1Jmts. "aid lOUr pacbges and any O\her 1rWadIonI__ by
lldank. To el<<uo dekrpaymenl by UlIna tileS/an 4 rma AI:tIlln,
you muslllttl!e the IrMllgtn~ airline, and 0Iher lIleItIunts that you
wish to do 10 . gMng your llXllUnllllllOOer Cor pqnent IIlht &me
ollhe putclwe, or by foIlow1nl other procMm pemI1Itd br lhe lIanl
M1 ch. which the Bank does nO\ ('eITIlitlO be drlmed llIlder lhe
SIgn" Travel Ao:coont or any ~ eligible ch...,.nIch IllU hI\'l!
nO\ t1~ 10 de.,. ..,11 N! l<11~ und.r the lmnI ~ your
"merfnn Exrrnu' c.tnI A."('Cunt (iM"Can! A..wunl"),
Yo" "" ~f\ll~it f,,, raj;n,.J1 _'"n13 en. 10 your SIgn" TrmI
\nTunt. ..hi<:h loch,"- r",,/I:tl<'!l, nn3nn' rh;trges.nd OIhtr ftI'S IS "'"
as amoun13 charged 10 your Sign & Travel "'collnl by my hldillonaJ
Cardmember on your Card hx:ounL
Vou agJt'l! 10 use the Sign & Tmd krollnt only ror leglUmall! plln:h= 01
eligible goqd! or servlCCI and not ror the pu~ 01 obt31nlng cash or 1001.
g1ble good! or service, Vou also agJt'l! to use !he Sign & Tr.ml Nxnunl for
penon31, family or household purposes only, Vou may not resell or relUm
ror a C1Sh nfurxl any gools or servtres chargm to !he Sign & Tr.ml
1a:ounL Vou may return a pulthase to ml5l3blulunenl for credll, ~ !hat
l5tabllshment permJlS such returns,
2. UIlII'n ^rl'L1CMllE TERMS ^NIl (,IINIII t II "j~
the Card oIctounlls gomned by the p~ous agreemenl which Is headed
"A~nl Be\voftn Gold Card Member and Anwic:lO ExpI151 Tr.ml
Related Servlces Comp:ll1Y. Inc." Some provulons In thaI a~t also
3(lllly 10 the Sign &TrmI Nxnunl The provisions which """Iy 10 Ihls
Agrtemenl 3ll! huded: /bing tW Carr/, Paymmtr. Chargos MI1IU in
Forrigol CUrrttloes. PrivtZcy, Please mer to those provisions as you
ll!:d this AgmmenL
3, DILLING ~;UTEMENT-MINIMlJM ('''''MENT
You will m:rlvo Slsn & TrmI Aa:ounl stat""",nts from the Dank when
you m:elve your billing SUlemen13 for !he card hx:ounl Amer1can
Express Tr.lvel Relaled Servlas Coolpany, loe. ("TRS") or IlS a1IIlIales
Voifl act as the Bank's agml for pUlpOSes 01 billing. smldng and ~11e:t.
Ing your Sign & TraV!! oIctounl and Voill act as your agenl for purposes of
rea!lvlng your Sign &: Tmel oIctounl paymenL
E2ch Sign & Trm! Nxnunl sutemenl Voill show Ihe Minimum Payment
due upon your rectlpl ofth:ll stalemenl the Minimum Paymenl
depends on the amounl ci the "New Balana( shown on your stalemenL
Generally, your MInimum Paymenlon any SUtement wtll be Ihe greater
of $20 or v36 of the New Balance shown on your statement. plus any
p~ously billed Minimum Paymenls thai mnaln unpald on the ClclSlng
Date olthe statemenl If your New Balance Is less than $20. your
Minimum Payment Voill be your enUll! New Balance. Of COU~ you
always ~ the rlghllo pay any amount greater than the Minimum
Payment up 10 and Including the tolal New Balance on your statement.
al any lime.
4. COST UI' CR WIT
A. Rnance char&!5 begin 10 ICC/IJfl for exit charge as oIlhe dale lhe
ch~ Is nlSt posted 10 ~ &: TrmI oIctounL Howem. no
nnance charges wtll be In any billing period In which you
begin the billing period wnh an outstanding Sip! &: TrmI bal.
ance. Incur no new ch~ and you fully pay any ouUtand1ng
ch~ befOll! the Closing Date.
Empt as provldl!d In S<<lIon D bel..... the dally perlodlc rale for
Sign & TraV!! char&!51s blSfd on an ANNUAJ. PERCL'ITACII
RATlI which may be adlUlIed sanl.annu31lr the A.'OOlAL
PERCENTACIlRATlIlor all hllIlng periods ending during any
calendu hall Is ca1culalld by Dllng 9~ 10 the "Prlmt Rate" on
the tall busil15 day of the third month pnad!nglhat calenlar
hill, the daily per100k r.Il! for exit billing period Is II36Sth of
the ANNUAL PERCENTACII RATI for thai billing period.
rounded III the nearest one lMt!lclwndth cia pen:enlage point
The e/lecl of an Incrnse In the ANNUAJ. PERCE.'ITACII RATI
m2Y ~ to 10ClWl! the amount ol the Minimum Pr,menl due.
Fot the pufl'CSel ol this Agrtetnenl. the "trhnt Rall!' Is the r.Ilf of
Interest ~Iidy :II1oourad IS the b~ rill! ~n ~If low "
Iargt US"","" te\1ff commt'ldal b1O'" as ruNlsIwd In 7..
trJIJ SlrttI }J._l If men! than (lnf Primo Rate Is '" rubllslwd
.. nuy choose the hI"""t cl soc." f'11me "t/! In 1M _,!1st
~ Il"Ja SIr<<l fe....... ,,_I~ he r"hI3h..d l'f ~ l<l ~
Ihe Prime Rale, '.. may Il'Ip.r 10 the Prlme Rate published In any
olher newlpapcr of ~ner:1l c1n:uIaUon In New Vork, New Vork, or
OM! may subsUlule I similar reference rate al our sole dlSCltUon,
B, I! your billing address Is In CO.IA. NC or PR the monthly periodic
r.Ile..;1I be calculated as &3criberlln SectIon A aixM! but will not
excmlIS~. which Is a corresponding ANNUAL PERCENTACB
RATB oll8% for SIgn &: TraV!! char&!5.
C. If as of 6130188 the credllor ror your Sign &: Tr.lvel iIccounl was
TRS and you ha'.. not Ihereafter n!duced your Sign'" Tr.lveI
Account bal.nce 10 ztro. your :uxounl Voill be handled In aa:or.
dance with tM speclal rules p~ously provided 10 you.
~, "\TnAta; D^lLY II.\IANCE ~urmou rUR
r:^"r:tIlXnnN or l'fN^NCE C""RGfc~
the dally periodic r.Ileslisted above 3ll! 3(llllled to the "Avera~ Dally
Balance" In the Sign & Travel Nxnunl durlng the blUing tjde comed
by the Sign & Travel1a:ounl s\:Ilemenl
the Avera&" Dally Balance Is determined by taldng the beginning bal.
Ince mlhe SII" & Tnavel Mounl each d"1, sublnc\tnllIlf p_ts
or cmlllS and adding any new SIgn & Trlvel charges and unpaid
nnance charges (excepl thaI finance charges will not be Included for res.
IdenlS olCO.IA, NC, and PR). ThIs Is the dallybalanc:e. Then. the dally
balances for the billing period 3ll! added and the total Is divided by the
number 01 days In lhe billing perlod. ThIs Is the "Aver.lge Dally
Balance." To ca1cuIate the fil12t1C! charges for a billing period, ~ mulU-
ply the dally periodic rall! by the A,,:t. Dally Balance durlng the billing
period and mulUply lhe lelUlUng n by the number of cbys In the
billing period. This method of calcublinll die Al'CI'3ge Dally
Balance results III compounded IIIleresl, excrpllll die sl2tes
referred 10 abo... '
Ii .\1'I'Ur:,\T10N OF "" YMI'NrS
Tour paymenl will be ap{lllelln the following way: nrst, TRS will awly
your paymenllo any Sign & Tr.ml hx:ounl Minimum 1'2ymen13
(Rnance Char&!5 nrsl and lhen pc1nc1pal amounts), and then 10 any
balance on the C3rd Accounl If your payments Ill! past due. TRS may
3(lllIy lhem differently from the manner lUll described. II there 3ll! any
amounlS If!t over afIer Jl(tllying your ~ TRS Voill assumeth:ll you
want to reduce the oulSla<dng balara (~ any) on the Sign & Travel '
1<<ount and TRS will awIy any exas payment acrordlngly. II you do nol
WIlli TRS to awIY an exas payment to raluce the oulIUMing balance on
the Sign &: Travel Acr:nunl you mUSlIdl TRS In wrIUng.
CredIt balances 3ll! truta! d1fferen~y from payments. II you have a
credit balance on the SI&n & TrmI oIctount TRS will :mume th:ll you
nol to have thst credit balanc:e lranslemd 10 the Can! Aa:ounl and L~.I
any credit balance on the Card Aa:ounl should be used 10 par Sign &
Trml1a:ounl Minimum payments and balance on the Card Account
IS they become due In the lI!qIJeftCl! descrtbed above In Ihls S<<IlOll Ir
you wm TRS to UIe a aedil babra 10 pay lIlO\'C than the Minlmum
Payment due on the SIp! & TravellIxounl. you mUSlldl TRS In wrIUng.
For 1CCll\IlIts wtth a d1red debtl fulute. the Sip! &: TraV!! oIctount
Minimum Payment and the balance on the Card Account wtll be lull>-
m3l1ully tnnsIer11!d nth monlh from your bank Ero\lJ\l If you wUh
to PJY mol! tban lhls I01OIlOl you should conlXl TRS.
. 'l1,t'I:-;<;'\l11;( ,\:'<t'1I L\ illY'"
In 31i1ilkm to an! o.htr K11oo$ we may lIb under lits ,\grtetnent1he
511"" TrMI Account mal be ~ or uncolle.lll the hnk's tole
."u"". fur II" -. ''*' 10 Jl(tllloble 1..,11 any lime wtth or
WIthout call1lr and 'OIIh(ltrt giVing you nolltt, Ml such ICIlon on the
~.IIlk 'part .,ll lilt rSM! your obliglllM to PI! lhe prlnctp,u bAlanl'f.
~nl"", ch:lfi"S and t'lhtr dlat~ dut on your SilO" TrlW! ,,-rount
\1m" t~ """" ,i It>< AI~ In l'Ill'ct 11 tht ti",e c( the /"",-.11.1\10\1
i:'t ,\\~,\j.'~ r~ V1"tlr If\\'tllr.t
In add/Uon,1f your Sign &< Tram Aa:oun~ your CanI Accoun~ or any
olher 3CCounl you may have Mth the Bmk, TRS or any o( lhelr afflll-
ales Is c3l1Celled oris nol f,ald In 3CCOnlance Mlh 3l'pllC2ble lerms, or If
you are Insolvent or unm e or unwtlllng to pay your dellIS, lhe Bmk
may requl~ ImmOOlale paymenl o( :my charge you may h%ve elected
10 charge 10 the Sign &< Travel Aa:ounl.
Il. lINt\lrJ /I0UI7.EIl C/l^,R(j(:.~
Any Sign &< Tr:lvel Charges made by a C:udmernber who Is nol enUtled
10 use the Sign &< Travel Accounl '1'111 be lr:InsCerred to the Canl Aa:ounl
and Ihe Canlmember '1'111 be ~ulred to pay lhat Charge In (ull when
due underlhe Ierms :md conlJuons of the Canl Accounl aywnenl
9. NU'IICI'$
Any notice given by the Bank shall be dem1ed 10 be given when det>osll.
ed In lhe UnUed Stales Mall, postage pl!pald, addteied to you at d,e
latest billing address shown on the Bank's records.
10, C/I^,NC;r: ur- TEIlMS-^SSIGNMENT
The Bank may :mlgn Sign &< Travel Accounll to any other nnanclal
InsUluUon at any Ume and may change lhe tem1l of this ^~l al
any Ume. subJect 10 "!'P11cabI.la.., IncludlnC changes which affect
eJJsUng balance or nl12JlCl! charge r:Iles. The Bank '1'111 nouCy you of
any changes.
I L C;OVEIlNING lAW
'ibIs Agreeme.,nl b gonrned by Delaware law.
TIm fOUOWlNG NOTICES AIUI REQUIRED BY LAW
WARNING: TIlE TIItMS OF TIns AGREEMENT MAY BE
CHANGED, WllmlER OR NOT AunlORlUD BY AGREEMENT,
IN ACCORDANCE WlTII A1'I'UCABU LAW.
NanCE: Any holder ci this consumer cndll ccntraclls subja:t to aD claims
:md defenses the d!IltDl could mer! apInst!he seller ci gocxk or seMcrs
obtained pumlanl hemo or..th the prtmds Irered, R!l:IMlY hemmder by the
&!tltor shall net exaelllllOUnlS paid by the d!IltDl hereuOOer.
AMERICAN EXPRESS CENnJRlON 8AN~ ~
Phillip J RIese .'
P~t
To AMERICAN EXPRESS
CARDMEMBERS
IN THE U.S. AND
ITS TERRITORIES
YOllR DIWNG RlGIITS-KEEP 11 liS
NOTICE FOR FtmJRE US!!
This noUa conWlll 1m{!olI3nllnIemtalkift about your rithlS and our
I'!lpOftllbitltJe under the Fair CIedIt llmlne Act,
NOTIFY LIS IN CASE OF [MORS Oil
QUESTIONS ADOlfI' YOUIl !\Ill
If you thll\. ""'I btn Is WIOOJ. Of If "'" ...,j more 1"'""",lIon mIl I
trwactkln "" Y\lUI bUt \WIlt us "" llA'\'af:lle IhM cI Pllf'I'I Jllhf xklre;s
lor hilll~l h'<r"rltoJ li,1l'<\ Ol\!",~!>ia WAit 10 III as 1''00'' I""',b!.o 1'~
must hear (rom you no laltrlh:m 60 d.1)'1 afler ~ sent you the nnl bill on
",hleh the error or problem 'l'pc:rnn You can telrphone UI, but doing 10 will
nol plt'Stl\'e your righll,
In yourletler, g11'l! uslhe (ollll1lllnglnfonn~Uon:
. Your n:ll1ll! and aa:ounl number.
, The dollar amount o( the lUlpetIed error.
. Describe Ihe error and Dplaln, If you can, why you beUere there Is an enor,
I( you need more InfonnaUon. describe !he IIem you are not su~ aboul
I( you have aulhorized US 10 pay your American Expres blll aUlomaUcally
(rom yoursavlnp, checking or olher aa:ount, you can stop the paymenl on
any :unollnl by nollfyfng us orally orin wrlUng at any Ume up to tMe busI.
ness da)'l before the aulom~lIc p~ymenlls scheduled to occur,
YOUR R1GIITS AND OUR RESPONSIDILmES AFTER WE
RECEIVE YOUR WRI1TEN NOnCE
We must acknowledge yourletler Mlhln 30 days, unless III! hm COtn!Cled the
enor by lhen. Wllhln 90 days, III! must either comet !he error or expIaln...trr
III! beI,eYe the bill was comrt
Aller "'e re:elve yourletler we C1Mor,lty III collect any amount \'OIl qu..Uon ...
report you as dellnquenl We can conUnue to bill you (or the amount you
quesUon, Including finance charges. and III! can ~y any unpaid amount
~g:1lnst your credlllimil You do not have 10 pay any quesUoned:unounl while
III! are InV\5UgaUng. but you are sulI obligaled to pay the parIS ol your bill lhat
are not In question.
I( ~ find that III! made a mJsUke on your bill, you will nol have to pay any
finance charges ~bled to any questioned amounl If \Il! dido'l maR a mIs.
take. you lI1ay have 10 p~y finance charges. and you will have 10 make up any
missed paymenlS on the questioned amount In either ase. we ..u send you a
stalement olthe :unoonl you _ and the date lhat II Is due.
If you billo pay the amounllhat III! think you owe. we nuy rqlOlt you z
dellnquenl ~. ~ our explanation does not satisfy you :md \'OIl write to
us within Ien days telling us !hat you stili refuse to pay, we must IeIl anyone w
rqlOlt you to !hat you haYe a quesUon aboul your bill. And, w mUll1el1 you
lhe name 01 anyone III! repoIIld you to. We mUll teIllft7lll1e '" rqlOlt \'OIl to
dial the matter hz been settled belvo-een us wilen IlllMlIy Is.
If III! don't follow these rules, \Il! C2II't collect the /1/$\ $50 ci the queslioned
amount, eftlllf your hill Is COITetl ,
SPECIAL RULE fOR CREDIT CARD PURCHASES
I( you have a problem with the quallly ci pnl(lelly or 1eI.tas!hat you pur.
chl'llll with a credll ani, :md you hm lried In pxI (1Iilh 10 comd the pr0b-
lem wl!h the mesclwt~ you may have the right not to pay the remaining
amount due on (lfIlIleltY or serrias. n- an! two bmlUlIons 10 thfs ricf\t
(I) You mUll have made the pUfChase In your home _ or It net wtthIn
your home st2lt, within 100 mila ol your amen! miIIIne addnss. and
(b) The putthase pm must have been _ than '50.
l1et ltmItatIons do net awIy ~ III! 0lIIl or oper3lI the a....JIa4\, or f '"
malls1youthe~rorthe~orllr\'loes.
Note for Olde ."Idrill
The OhIo laws aplnst dbcttmlnatlon !!qui" !hat all mlM mab crslIl
equally nallable to III cmlllwllrllly customers, and that asllt Il'plflln, lJell'
des maintain ~te credll hA10rie on each 1ndl'ridual upon roquest. The
OhIo Oft! Rlthll Commbskift a&nlnlslm ~lam wllIs lhIa law.
Nok for l'utl1a RkO ~
II you wtsh to 1!I:ti>e the c..dolltlll... Apemtnl and the SIan 1 rrm!
ArnlIInl A~ In S('msh. (llnst COntact \a
SHERIFF'S RETURN - REGULAR
CASE NO: 1997-04244 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
AMERICAN EXPRESS
VS.
BINION ROBERT E
RICHARD K. HOWELL
CUMBERLAND County, Pennsylvania, who
to law, says, the within COMPLAINT
upon BINION ROBERT E
defendant, at 1656:00 HOURS, on the l2ih day of Auoust
1922 at 41 QUEEN AVE.
ENOLA, PA 17025
, Sheriff or Deputy Sheriff of
being duly sworn according
was served
,CUMBERLAND
JR.. ADULT
County, Pennsylvania, by handing to ROBERT E. BINION
SOH OF DEFT,
a true and attested copy of the COMPLAINT
together with NOTICE
and at the same tiMe directing H1a attent10n to the contents thereof,
Sheriff's Costs I
Docketing
Service
Affidavit
Surcharge
18.00
9,92
.00
2,00
So anavus: ~~~4
R, Tho.as K11ne, ~heri%%
.z~.~~ nELVYH MANTZ
08/20/1997
by
.
J j J~ .,
J~H < i~,~t/'
. Uepu y 5h.rl11
Sworn and subscrib.u
this ,IS-eel.. day of
19 ·
.e
I
-t fl l'
o ary
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the
,
,