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" ..',f '\:,:{! :~-,;~ \;/ij{\ "(IN! li~ftj " '~~t:f /1 '(fir. , ~ .,_/1' , ,d t,11 , ',\:il W ,,of... ,i I.-f'/:' , ,'I'll" , _'rl~ :)i/f: ,old, '!"'I!H 'j; , 'II' ,~ ','_'i' .1 " " ,j ti' ,I ".- ,'-\I'~ "di ,I' ,J .':':;;; :fi " II,', , '. " jlJ \f " ,If 'I: :!f .', I .,'t~ "l.:ftl. ,',,'- ..\\' I, 1, , . I:'S ',I, I.', '. ,r' ,!I:- "" G ~ ~. ~l, ,- .. ,.') <:".1' ~\ ~ :>~t ':C- o..r ,\- :, ,... n~ I':: " ,','l \~ ' t'; - I" ":'" c;. ~ " .- ~ ,;.) 0 " 'j; i'/ , " , 'I, " , " , , " , I' , , . . U!cUIIIIOIl 'Nllllpply In your VIIhohl An.Qunl bBlollo/ hum Ihll 1I111/cllVII doll 01 Ihll thllllll" ~hlJlh/ll or nol thll hIlIIlIlUlfu,ltllhl! IlItrtll pUUlld III Vllur Ar;Cl)llnl bnlLllI Ihll ehllllY' dll. Bud whlllhlU Of f1ul you conlmu,Il1 1II'Ihll Anllunl h,.ll" bchlnllllCu,nncy Convlllion. II you us. your ClUe! Inr trGrlSllClllllU III 0 Ultll!lll:y 1I1hlll IIIou lJ S t1ullllll. 1111 l"lIl~II..IIlUU Will bl ~lJn~ltIlud III US dull.,,, IIIIIII.lIy IHIIlY If.lhel II hi govllInnllnl rnandlllld ,all Of wI VIIhnrelol.ltWl'~11 rOllllllllllecllllllllny b,'olu 11m 11lI11111~hntl prl/ufI\ltlll !1,llll, U1UflAll/d by 111l1l11"1Cltll! 11'1 II a 01111111 !ubs"lluulllly Urwlll 1m. lr'J1~8cII0fl. II WIll b, dll(/I"ld bV OIl'llllfCiltll (1\,- 1I1h. (IIldll hIlS .llhtlllf.tnl plOCIIHlIlU lIlItH. Ihllllll1l/ ".dlHIIUlllIIQ ollhll [IUIIII UII b. (,'lIlllll/III,U Ihe" Ihlll al thl utlUIIIlJlllIlIlllcllun. Th, cu/J.ncv COllverllun III. on Ihl dlV blhlll/lhlllDUlllcllun plnluumu dule lIldy 11111111 horn Ih~ rllll/lll .db'l:lllt 11lH 111I11 01 IhlllllllUoclulfIlIr un the Iloll/lhl! tlllnsnr.llIlIlllpU5lld nil VOUl Accounl. YOl/'UI.. 10 iltcllIl IhltOnVllllld.IlKlunl III US dullars 'h. Clld' C.null.llon, VIlU YilI!I rlllulU Ihe COllI 10 us 61 oUllmllllsl Ihl! I;OllllllplllS 01 Ihlllllld 01 thllr.lIll11 shuwlI1lI1II W, hovl the 1I~lhlllOlllJ 111111'0'1' Ihl Cmd AI iIIny tlnlll nllll /II lust 30 d.V- 1;011[1 10 Vlhl, 01 Wlttlr.ut IIOlll.llllpllrnMllud bv IlIw. WI/ m.y e/ln[lll tllll t:MII alld yuuI mtlll IJmlhl!jn II VUU! t:nrd II UIICI!ItI'd III 1101 rUllI/willi, Imanu dlll/Uu ond olh., I,u \0\11I COllllnu. 10 bt 'Iumll. pllyrnlulIS Will cUllllnu. 10 bl! dUll, Blld 1111 olllllr lIPllhcllblllHllvlslOn~ OIUIlI AUrUllIlJllflt Will rlllllll/11 III t/tllIcl You mllY clIncI.1 YUllr Cllllltl llllVlllIUu hy 11lI11IYlllU UIIII wrllUlg, IIIUlIllllg Ihl Caldlll hI III cuI III hall. lint! pB~lnlJ your 1IIIIIIe slllhlJIIlU11 bollll"e by thll 1'II~rrll!fll (hrlt IIMeol! Ihe ltlllmmml ""htth !lll.huh~s ~ullr hllUlpllIChBSII. CUll odvoIlC". ,hll'VIII. and Ilu You, crllh! pllvll'\l1I Will bl tIlIJeellud anll nil at1dllmnlllllJllllet! chnrgu Will be !lJlJl05l!IL 1 VltU ulnrlll or do null~IIPW Iho CUIlI. lJIll YllultJltJlIlIlIll YUlIr crudlt PIIVlh!\ll.'l, yr)lJ illlY nu lunlllll Wilt. chnckl on yuul Accllunt. wd )IIU Vluuld dllllllY l!fly ullused checks Wit h'VIIIS~UIlII It) you PlrlOn.llnfafm.Uon; Dotum.nll. You Will Uln 111111111851 10 dGYs IHlllel! II yuu (hlllgll yuur n~mll. home 01 lIulllinU IId(hI!B, 11!1t!ph1lJllI numllllrs, or ,ob, You Will jlfOrf1llly Ol~' UI mlnlm.llon aboul youl !in.nclal,lIol"ll WI! ask 101lt We lIIey Vel such Inlormelmn trllllllllhms, Ifll;ludltlU uedll nplllllnll'QI!nCUn, antllllOvlt!e yUUI 1It!llwss and 1I110llnahon .bOlll your Accounllo ulhlll WI may oliO sh.1t luchmlortllllllOIl with our .tllllalQS II you 1111110 lulllllllnyul your ohhuullon, UIlI!pr Ihll/lUfl!I!IIIl!I1!.lIl1lrijllllVllcrellll rt/pUI! rtl!luclltlyon yourtletlll lecord mly b.suhrrllllldloClldllllllortlllU aglncrlS. CUllOmlr S"Yiu, Un.ulhollud Uu. LOll, or Th.1l of Chich 01 thl elld. heh CQltlltkUI hll 51lj1ltUJ 011 rur.nlll'- YUU WIll SIIIlIIllI/IId tht/ Cllld, yOllr pflf\llnalldlfJlllllcal1On number IwhlCh Iltovldn "till 10 Aulomaled hller MochlllUI, and IIny (hecks Issulld 10 you hom lhlllt Yuu Will kl!rlp YOl/lIllllsnnal ulullltllr.llllon rlltll~rt!/ sflplllole 11011I your Cllr~, II 'ou dl~over 0' suspllcllhallh. Clld Dr Illy unus.d chICks slIlosl 01 stolell, or Ih.1 thllrl mllY be an unllulhu/ll~d lrotllSlll:hllll IlU ynur Anuullt, YIIU Will nOllfy liS prol1lptly hy 11I1~phonll1U 1800933, 221, You Wilt phon.. .ven IhouUh you ll1Iy nOllly UIIII Wllltnu. In WI can acl lasllo hn.1 10uIIS IInd hilhlhlr Yllur hllhlhly lor I/rllllltllllllllld u~e ncr.urll/JII blllore you no Illy us IS hlIJled 10 '50, II you reporl 01 WI SU5jJeCI unaUlhOtlled USI 01 youl Accaunl, WI lIl'y suspend YOlll Clldll prlvlleORs unlll we I"SO VtI Ihlt Ilrobh!1II 10 our SIlII~I,lcllllllllr ISSllH yUlIlI nllW CIIIlI II yuuI CAld II Iou or Ilolen. you wllIlllOlf1lllly dut,oy ell checks UI your pOSSlulan. To IfI~rove CllSlornel SIllVIC8 IInll SeCIJ/lly, ~ou Iurt!lIlhal YUUI cllllllllllY bit IIItHlllrHel1 or rUDldud Mtrth.nt "IIUlon.. We Wlllnol be hoble II any Illlr~OIl 01 Aulllllllllod Teller MlldllJ111 rolllSIl5 10 honor Ihe Cnrd 01 nCClIpl ~ollr cht!cks. or 1IIIIs 10 relUm Ihl Card 10 you, We ha~1 no ruponllhlhty lor Qoodl and stlvrces purchulId wllh the Corll or chacks IlWllll lIS retluued hy Illw ISe" SpllClltl Rulu ht!luwl Call1lJJlllennll1s thol 11111 a~Qllablt! wllh the Accllunl ate Ilrllvlded by Ihl,dpilrly yendm W. '" nOI'"pllnslble lor Ihe IlualllY, aVllllablhly. 01 rosulls ulllny 01 11111 ~l!IYICllS you clWlISIl to IISII Slap P,vmlnt Ord.n, II you Wish III Slop paymenl on It cher.k, yOlllllllY ltltHlus a Il0p POYIIIIIIII ordel hy wrllmO 10 us al our IIdllleSl lor cuslomer servlco hsled 011 your bill. You call make I stop paymenl order orally by calling Ihlll1Ulllblllltsled 011 your Slolemonl WlllIll you mllke II sroPllllynlflnl ort!m, you rnusl pro~rde YOlJl Ar.counlllurnllllf and SPICIIIC III10rmllllon aboulthl check: Ihl'lIcl .rtllJunl, lhl dale on Iha chutk, Iha 111111111 allhlll1arty 10 whom II was p~~ahlll. the Jlllma 01 the pt!mn ....hu 5lunod II, IIl1d the check number You Will he nsked 10 conlt'lIl an orel Slop llaymenl alder in Willing. WI may di!rllQilrd yum oral Older II we do nOl reCtllye /I signet! wllllnn CUJllmllahlln Wllhm 1'110 wt/Ilhs aller the 111111 orlltll or II you howe OllllulRllUall'Jv dlfSCflhed Ihe llern so Ihal paymenl un bflllnppod by OUf COrllplllllr Theordlll Will nol be ellecltve II the check .....as 110111 hy us bulore 'ltl hot! II It/OsOlulhte opportunlly 10 OC! anlhe ordnr. WI! lIlay, Wllhoulltablltly, dllfllglHd . wlIlIen Slop pllyl11lnl ordel Sll monrhs aller fet:t!IIJllmlns II IS renewed In wlIllng Sland.rd 01 CIf.. Bec8uselhlS ACCllunl ulvolyes bolh credll urd and check llllJl511CIIOfU whlr.h IJII proce,s!!d Ihruuuh sllplllall1llol1Onol sysleml hllOle Ihe llansocllOfU elll consohdaled by US, and becausl nol eVlly check lint! CallI !Jlp Will hI! senl 10 US, lrlOSaclloJls In yuur Accounl Will bll proct!sst!d tneChofllcalty Wllhoul OUI nt!cess6rlly IIYleWIllU RVl!'y II em, Our p,ocllllno syslem Will call cur alllnllun 10 cetlain IllIms which WI! Will YlalTMne, WI Will Ullnllllt! alllransllctlollS whml you lepoll lhal yom Lard or ctllfl:ItS have lJeenlUSI or slolen, We I'~ noll/1lend ordinarily 10 lUarnnl alllllnlS, lInd we wrll nOI bl! naglrgenlll we do nol do so, ThIS rU!lIl1slabhwes Iho slandard 01 nrtllnory rBrll whrr.h wo mlJood 1111111 will eHIICI!1 ItI edllMI1ISIRfll1g ~OUI ACCOUIlI, Because of our !in'led !UIIIW, and becaUSI ntrlhll YOUI callct/Hed childs nOI Card transllcllorl slips WIll be rolurruld 10 you wllh the 1I1ll111hly !I/llll!llllnl. you should bll carelullo nnlm all chllc.s In your check 'eOlllll1 or olhlrWlse kellp 8 record ollhetn. You shoutt! aho SIIYlI your Cflldrl card cuh /IdVilJ1COandpulChllsll~IIIlS_ YnulIurello r.hndyolJfUKllllhlV slrlllllnllnlsagolllstYOUl'llCOld anll 10 Jlollly US promplly al onyunaUlhofJ/eUIlsnS8C11ans OleffO/l. W.lv., 01 CIII.ln Right.. Wa may dolllY or wOlve enlorcelllrllll 01 ,IllY 11l0~151n1l ollhls Ag'elllllenl wlthllulloslng oUlllyhllO IInlorclIlI or any othef prOVISion lalet. You waive: Ihe tlghllO presenlmenl, demand, pralllS!, or nollce 01 t!lshOllor: any allpllcllbll/ S1alulp 01 1I1l1l1a11005, and any rig hi YOll 1Il0y ha~e ro rellulra us 10 proctlllllll(lBIfUlllnyonll hll!ore we sue you. Appllc:.bl. law; S.If.reblllIV; Aulgnmlnt No mIller whma YOll!ivlf. lhls Agfellrllenl alld yuur Accounlllre 1)olfelned hy IlIdlllllllllw and by Nnw H8n~.\hlfllI8w, ,Alllny IiJlle oller WI delem.ne III poet! 1811h lhal IIn~ proplIsed or onaCled legl5111110n, lagullIlory acllon, M jUdlClII1 dllClSlon hotS lendered or /IlllY lendaf ally /IlOllllt6111rOYISIOn of Ihrs Agleemenl IlIvalld 01 unenlOlcllllblll. or IIIlpose any rntr8esed In, flIPOrllnjl feqUlfmllfl!ll, or olhlr burden III conneCllon Wllh ally ~llt:h prOYI5l0n or lIS 1I11100Cllrnenl, Wll lIIay, llllllr alle8s1 30 dllrS no lice to YOll, or wlthoul nollcell POfllllll,d by law, c/lnclIl lhe Cald Slid VOllr crel It llmllllges IInd doelsflI your Accounl holllnclllU"lllIlllalol~ due alld payablo, II any WOVl5lon ollhls Aureemt/III IS hf,/h 10 he lI1~ahd or lH1elllorceabte. you onrl WI Will conSIder Ihal praYISlOn mot!llted 10 conlmtll to apphcablllle'lt. ond Iho rosl 01 Ihe promlons III lhl! Ao'....elllt!f11 Will slrll be enlolf.eall!e, bul we YilIII ha....e Iha nghl 10 cancel vrrur AccoulIl and deel.re your balance ul'lnedrfllely dUll, lIS plo~lded II1lhlprt!cedmg SlInlllnce. We 1Il0Y lronsler or 8SSlgn OUI !I!lhf 10 all or ~OU1e 01 your paymenls, 1I110le law IlIqulres Ihll you IlIcelve no lice 01 such '0 .~ent 1Illll0tKI IhellUlf.hesur 0' osslgnee, WlI ma~ give you sllCh nOltce by Ilhng a Imaoclllg Slolom....nl With Ihn "lila's SlIcrnlary 01 Slale, NOlle... Olher nOlir.1IS 10 YOll shall heellecllve 'lthen dep05llllrlm lhe mall addrlls~allla yOIJ III lhllllddrm \/town on our rllcords. unlt/ss alol1ijllr noltce period II spllciti,d III this Agrelf11llnr or hy 111'0'1'. which peflad Wfllt slarl UP0J11111111tng Nohce lu u~ ~hlJlI bll mllllt!d 10 uur addrus lOf cuslomer SlIrVlce 011 your slalolllllJlllor olher addresslJS wa m,y Sjlectlylllnd shall blllfeCllve whell we receive II. Your Billing Rights.. Keep This Nolit. for FutulI UII ThiS nohu Canlall1S lI11pOlllll1t rnlllrrnalJon ahoul your ,.ghlS IInil OUIIIUPOll51hllillllS under the Fnlr Cfel!ll Bllli11g Act. Notify Us in Call 01 Erron or Questions About Your Bill II youlhll1k your bill is wrong. 0111 you no....d more mlo/mollon lIbouloo enlly on your brll. ....11I10 us. 01111 SlIparQle ShllO!. III our IIddlllU 101 cuslomer slIr~ice II-tied on your bill, WIlli 10 us AS soon as posSlblo, W. nMlSI hllar 110m you 110 laler Ihao 60 daiS allll' WlI ~lInl you lha IIr11 hili 00 which Ihllellor or prohtel.n aPPlIllrlld, Yllu cnn tlllephonl us. but domo so WlU not pfts.rve ~our IllIhu, III yOUf lellar. glYII lIS Iho 101Iowlfl~: Your nnrne am Accounl numhlr The tlnUor amoulJl 01 Ihe ~U5jlllClOd orror . Des(lIbe lheer:or onduplllln, II you can .....hy youhelrovlIlht!felS an e"Of II youJllllld rnllreltllonnalton, desr.llbell1eil.mvou are nol sure about. YaUl RighlS and Our Re!llol1slbllill81 Aller We RIICIfIVIl You, WrrHen NOlita, WI/ lIIusl adllOwlod!lll yolt/llllll1r wllhin 30 Ilays, unltm WII ho....e correclld Ihe el/or by Ihllll. Wilhin 90 dlYs. welllllSl "llhRr correct Ihl ellO( 01 81plmn why WIf blllievfllhe bill WIIS Cllffl!cl. Al1l1r WII rer.IllVll your lellBr. WII Clll1110t try 10 Cllllocl nny anKllUll you 1U1ls11Iln, or It!pOfl you lIS delinquenl_ We can COlllmUfl 10 bill you lor Ihe IIffil1Ul11 you qUOUlon, mc!uding finnnce chargos. We cun apllly ally ullplld anHlUJ111191l1nSI yrJUr credil lille, You tlo nol have 10 PIlY Iny qutlSllol1lrd amomll while we all trrvuliqBling, bul you ar. sill! obllglted III pay Ihll paris fll yllUf bill thllt are nOI In IlUII~lllln If we lind thai W8 malle a IlHla~1I OJ'! your bill, you Will nOI have III PIlY ~l1y 1i"1l1l~0 charqo relllllld 10 i!,'y IlrltlSlllltlRd amounl II Wll rlidn'l mllkH allllSlakl, you may hIve 10 poy r'nltlCI chllrges, and you WIll oawllo rnokflup thl! musnd poymnnU on the qllllsllllnllllallHllHll 11ll!llhur r.u~. WR .....111 sand yrm II sl,1tofllflnlollhe amounl Jill! OWII arullhe dote lhul IllS dUe, II you 1111 to pay Ihe al1lounl wllhmk yall owe, WII IIllly rellorl you ns dehnllll'lnf Howl/Yllr. If our upldnllllDn dollS 1101 5allsly you alld you wrrle to u, wllhm 10 dllYs 1IIIIIng us Ihol you sllll rllluslI 10 PIlY, ""I musllell anyone we report yau 10 Ihot you lIue,tloll YOllr hIlI, And, we IIlUSI Ion YOlllhl!l1amn 1lll1llYllnR we f/!pllllml you 10_ We musl lllllllnYllnll Wll rellllrl you to lOlllllln mallllf hB! bllt!n sellt,d belween us Yilhlln II finally is. II we d01l'1 lollow Ihllse rutes. Wll can'l COIlIlCI lhll flm '50 01 lhl! QUlIlIllIllod amount. OVIlI1 II your hili WOS cO!fecl Splcial RI/le fOf Cr,dit Clfd Purl,1h.... " you hovII a prohlRIIl ""1111 thl! quolilY 01 lhll goods Of Sllr~Ir.II,' Ihol you p\Hr.h,I~lId wllh nm wnlil cmd Mill you hn....lI 1/11111111 !jIHlll fdllh III COHllcl Ihll problem wllh Ihll merchanl. yau may no! he'll 10 pay Ihe remallllf1(1 IIrllflunt dun 011 11111 ~lIods 01 5I1rVICIIS, Thnfollfll two IlInltil1llJJl~ nn 11\1' OWl! III! you IlMnl howo !/l1J(ln Ihn purchll~nlll yom tlOI1lt/ sl,lle, Qr II nlll wllhnr your hornl ,llIle, wllhln 100 ITlllu 01 your CllIII/II111161ling alldress; ilnd tbl thllllmch,uellllcelllu51 ha~1 been 1110'" lhllll '.)0 Tho!1I hmllarrnns do nnl dpply II wllllwn or oprJfllle thll1lt!rchunl, Ilf tl WI mSlll/d you thladvsrU~llllllnl larlhslI'OpllrlyurSQlYlcn PLAINTIFF'S I E~IBIT &131 JSI11I5 F Hmkns P1590V I CC21 !)OF I C21 90F , 'i;o~ PI{< )VII )I^N (1'111'."'1' . , OJ - ".'. I' I" 1'- 1:~ . ~ ", ", tit' ~", .,; i _;; _1; it ~S!/, ',II or:,,, '", II'" hili O'pO~1 Nllhon.1 O.nk VISA' AnlJunl AnnUIII ^Ull/tmlPlll lor Jaltlal f Ih'lku Yuu, fill' O'jllIl.Il NlIlllHlllllltnk VISA Of VISA Guld "'1.01:1111111" "AUlIUIl'" dllllVd YUUlll m.k" 111"lhnll~ lIy lUUlij youl VISA (flld tltll "Cllld~1 Whll'Il~" fill honor lid i,l1l!lu 'JII cutl ltl!wlInuI 1'011I UI 0/ In, othll pl.hlljl,!lt1U tlllllllClulillSlllululII CunVllllll'lIC1l LhHks lilli, 1111UIl" ,lIrnvu!t'lllll yoll,lS.n IIlhlllllllllll ....., 10 lUll thll AlumnI lulhll AUfllItIlIlOI. .,OlJ~ lIud HYUUI mun IlIth (Jlllon 101 wholll '1\1' h.w. lIpllllld II (lIdll cI,d AlCouul .W.: ~1IlJ/: "nUll: .rllJ .lf~. 111&1111I hit 1l1'llllSII NIIIIOflllllldllk. ill liS IIH1UnIleS, I' lilt lid 00 ,QUI 11IIImg IllIhlflll!nl. rou lilli' tlul b.IIlIUlbl. 10' .n Aceounl II .,uu 01 . "1lI11i111 01 JOUI hOUllthllld ,hull., hewlt II cUlhl 1I~1It11111 'o\Ilth hili I)l'llu...1 "lItllllHII 8ullk 01 Plllvltlllln N"lUllal Ulnk rhl Accounl mil., be used onl., Iur 1l""111111. Itnlll." household, Ind dl/lllllbl. IlIlIPIlIIl. III 1101101 lllly 11ll1lHI!U o. (Unll'lI!r~l!llllll'lllm )11\1 HIlII WI! ill]Il!1I U~ lolluws 5p"I,1 "_,ulnm.nt 0' Ihl. Account Cltdll R.vl.w P.ognm. In Ullh" lu ~1'1'1l ~()1If AnnUIII 111 (,olld 1111rlllmu, ~IlU hawlI f1UIUI!II nol 10 111[111111' Ihlt IIIMlwltllltl!! IIlty blll.nn IlIrul,," hllVII b,en clIlI",hll,1I1 01 ~Olll 101111 dl'bl on 1I1UelUJlllI Iuvolll1l111 1I1!1/!IllHUlHlls ....Itll nIhil' 11'11I/1", "".lhuuluuI IIIJ1hurllllluHl. ''Ie 'o\Iill Il!lImw .,UUI crellil ucord, pOflodlull., Ind cunllcl YUIIII w. hili,.. .,ou "' I\tllllW.tlllQlhu spl!:1I1 III/Ulllm,nl PIvm.nll Ynll wlllllflllW' . nllUllhl., llllhtnM!nl shuwlnn ~nllr uuI11dlllhnu hlllunu! "uu 'hlllllll., I" mil:) dull/liS Ilhl'chs llnallJl IHI~obllllll 0 U S. olllC' 01 Ihll hllllk Ihll dlllk IS dlIlW" 0111.1 ,...1 IhD pllyllltllt dUll/II .ho.....n Oil yUill ~ldl~!I11!1l1 b., IIIU plIyl11l.'lIl dUll llllllllll dWlItlmll:11 wllh ltllyml'llIIll'lrudltlIlS nil your mUlllhl., ~lotemlltll Yl,)lI lUll., nul usu YOUlI:UIIIIIIIIlllnr:e clll'Ck. III mlt~. pllynllllll IlIt .,Olll AHI,)IJI1I III Iu ma" plIynll/till on "u., nlhlll II~Cllunl you hilWII 'o\Illh us u. nUl illlllljllllS Irw 1l1l~1I1(!1I1Ih,,, Will Ill! ,'. ollhll III1W balllllCII !JIOWll un .,QUI ,lolllltll/lIl I'luS Ih. 'lIMlunl 1.11 Iny p.SI du. plyrntlll. plua IIl1lnMlunl by wllIch Ih, II""" b.lnnclt luclllltl. ~OUI ul.'dll hUll. IIluS III1IS Ill' Cl!'llIlJl ollllllnol SIlI~ICIU HOY\lUIIIII, Ihlt paymellllh/II Will nOI b. leu Ih.n 115 (uul.u .,OUl n.w bal.ne. I' I... thin "5. III which cu. Ih" lI.ym,nl dlur \11I111 bit Ihll amlllll1t 01 tl1l1 nllW bllllll1clIl We may IltlIIU" n hluhl!l lr-.nUl_un plyllll.'Ill II ~OUf Accounl II pllll du. or aholl' Ihe (11411 1111', hul WI win nOllly you brIll" tlOlllll'O II ~lIur p.~rIWIII u mill' Ihlln th. llilynlt'111 due, II Will be tll'lIll1d lIS a Sltul e pllymtllll Ilud 1101111 01 II ""llt be IlpphUll1ll lulullI pa.,m,nl. dUI. WI m.y IIccelll III. III 11111111 1IlYlllflnll, IIf p..,UM'UIS IIlt11hd "111111 111 lull" or IIllllkml 'hlth oltwI II!Ullr.tIOI1~. WllhllUI 10Slnl) OUI IIUhf hi oJllm;1 nil arrMlunls oWIIl!junder thiS A!jlelllnunl fln.nn Chilli'" IWlpl U dU(lIbild 111 Iho Gr.ce P.,lod lor Pulch.... ~I!CIIOI1 01 tllIl AllIellnll!lll. 1IIIlll1tll c/1orrJu bl!ljUIIU acuun on a dllbll whlln IllS 1I1chnllld 111 on' 01 YOIII dally blhlllus IlId CIlIlIIl1I1' unllllhll bllllnCllI' IIduud b~. p..,nlf/u!Ol WIlIlI Your aCtounl hlU Humr dOli., bllllllll:1IS Ih. PIIIl:h1l5l! Ilnlonct, ....hl(lI c(n!,l~ls III pllrthul!' ~ou l11ake 'o\Illh youI Cafd. Ihl! CII~IOrTI Is/' Ad",nCII Ollan[l. ...,hlch cllnslll. r,lulullcullld cledll Uld blllonu, thlll IJU 1IIIIull'llIJ your Accounl Usulll blllllllCIl ',allslll' chllch dllll balanus Ihill wllllalullll lor you dUlU10 IlllllccllunfoptrHl1o Il.IIC15S; In i1ii"tiil1 Adw.nCllJlIlllnCII which cnnslm 01011 1I11!!I ell I II IIHlllll. KiiYjiIlYll1lmlllnMltlll1 'hllleC!!11I1I thall.ceech 11111 tlll1lllCII thorrJlls IIlId 1111/' Ihlln dUll Y\l11I hl51 leduCIIlhlllllnWllnll10 Purchu. 8111111Clt, Ind Ihun, II Ih. PlllchluU'9,llanc.1I ""0. wllllllll\1cl Ihe IltnHHnlll!j Cullom Cush Allvilllee UnllluclI. IInd Ihen. 111I1lI Cuslllll1 CII~1l AdllonclI 8alancu IS '"0, Will relluClr Ihe 11I1I10UUllg CIMl Advlne. BlIlllnCII. Th. PUlchdll, CUll ant Cosh Allvlllll:U, and Caw Adllallco Ilalon(es ole lI!iluCI!IJ II., pdymllnlS liS 01 Iho Ilall leclllvud, and by elllllils fueellllol Il'lIlllS/lls 0110111, 01l1!1 hii'lL and HlIscellanllOus chll\J1IS1 IS 01 Ih. dll' pnued. Purehallll all ultludrd III yUlI/ PlIIdlll,e Olllmlcl dS III till! dolu llIodl! CuslllIn caw adllQIICIIS allllu:IUlllld III ~OUI Cl"lorn Cnh AdllallclI Balllllu as lollo'hs Iunds el.cUorhClUy I..IIIII"t,d 10 Olhlulenders 10 IIl11lslel balanc.., .IS ollhe dIll tllllUlI_1I1111: dll!cks 10 Irallsll.'I bal,ncu U Ollho dlll'lIrt1elll'd III us Olher cash IIdllancu 1111 mtluded In yUllf Cnh Adllallu B.l,nel IS 10110^,1: cuh adllllnus 110m olhf!' 11I1811CloI mS'llullOn~ 8nlllhlOu!lh Aulllll1l1ll1ll r",lIm. as IIllhll dllllf Ulmlll: hmds "'eelrOrHully lllln'lIl1l1etl. U Ollhll dolllll8n!,ll1llllld; r.asll 8dlllO(l checks mid. paYlblllO ~ou lllllllro Idl!lllll11rd I~ U~II!"S checks Ihlll WI IIIml to rOll III ~UUlIl!llllltsl, liS ul 'n~en Iln\11I111II Ihl dalu 'hI pllnlllll lhlJ chec~; .Ii olh!!, Childs, mcludmfl conW.lllllnU Chll[ks, IS 01 Ihlt dOllprulInllld 10 us. [Jthel debll. lucl!1l1 IlIr 1010, 0111'1 Im~l, Imlllll:ll, !l1II1 1I115CilIIIll1eOllS chAlgesl MlIllle Inll.llllll .,our Purchasn, CUlt om Cllsh AIIIIOIICIJ, or Cash AdllanCII BnlllllclIlIS ollhll dllla posllld. fin.nCI ~hffon 1I11111ddlld In yom PUlchulI. Cuslom Cash AlllldllCIf, ill\ll Cuh AdvlIlll' 13l1l1ll1c8IlIoch duy IIntl orulhlln 110111'11 on Ihe 10sI day Ollh. billing cycln IherlllS no I'lIflod wllhm whIch cuslom cut, "dll.IlCU or olhll! cull adlllncu m., b. IIpllld wllhoul 1I1CUIIIOO I IUlllIlr.1I Ch81011 To liguI' Ih. dally Ilnlntl ch810' lor plllchllSllS. the dlllt., IllHlnell chollle 10. r.u\lorn cuh IIdllnnc!!s, Ilrllllhlf dailY !llllln[& Chlll08 1111 olhlll cuh advlIllcu, 'hI SIaII wllh youI pllllllOUS day', Purchase Blllantl, CUllolII ClSh Mllonc, BIIlIl1CII, and C/lSh Mllllnce Bnlnntll, alld Illlllllhlls HIltI subtrll~1 1\11 mlli11 lor Iha CUIIl!nt dlly to lhll OIlPhclIbl1l 8&18n[lll85 lUlllllll1@dln Hla PllfllUlilph &hollo) IInd mulhply Ihlllllll amount by Ih.npllllcabledMlly pllnodlc rlllll (Sllll lollowlIlgllo1lllgr~llhsl ThllllllllllCII dlllrllll 101 pHlchllSllS IS thlln Ildlled 10 Illullileludlld mlhsl da.,'s Purchuse Balllnce. Ihll IInance Ch11fIJfI 101 CUllom clSh IId~ancn IS Ihell added 10 and I/1cludlld III Ihal day's Cuslorn Co~h Adll"I1CR BllhlllCII. 111111 thlllll1,lll(lI ChilfOlllnr lllhel ClIsh adllances IS lhen IIddl!d III ,1nd II1ctudl!d In Ihalllll~'s Ca!h AdlllWce Ballln[l. We 1111I1 I utdll bllllnulof any do'f' as Jerij, WI d@IIIIIIUIlII Ihll 101111 Imllllce r.hllfors 10' thR billing c~dl by adding 10llerhel Ihll Imanu chafOIl 10'IIurchun 10f each doy wllhllllhll billUl9 cyd., Ihe linancl chlrg. 101 cuSlom cash .dllonus 101 IIleh dilY Wllhlll Ihe bllllll!! crclll. And Iho Imanu chllrllll Iur olh", CQ.5Illld~lnces lor I8ch dl" wllhlll Ihll billing c~clt, In uh:IJI.lmg Imonu chllrglS, an Idlullrnenl Will bll ,"alllllor any "8nSl(honOllla~menl thlll would hOIl!! II leclmllh, IUlII11[o ChlllOu cBlculollllll1ll n prior blllln!j qda h01111 been pasled Il1lhlll c.,cllt, Tha OPllllcllble dOlly pllllodle 'ala 101 such Ilrlnsucllnn Will be Ihll lale ill ellocl IIlI Iho CUlrmll hilling c~de rllllll1l lhlll1lho 111111111 ellllcl IIn lho 11.110 ollhll IIlInsocllon. Ihll ballll1ClllmOunfs sIIOWIl on your S1111l1menll1lay dllllf horn Iht PUlchl". Cullom Cuh Adlllncll, and Cuh Ad~ftl1ce BllhUlclIS USlld 111 elWlJlullllll"nlllltlf ChOfqns, becalUIIlho Purchue, CUSlom ClIsh Allllan[ll, IInd Caw Ad~lnCl Ballllll:lrs do not lIleludllony lilt, IIl1l1rllnlll, OlrnscllllllnllOllS chlrgn whIch III Ulr.lluled IIIlhllblllllncn shu'Ilin nn 'l'OUI slall'menl Thll 111m .Prane Ral'" os uSl'd III IhlS AgIPel1lt!1l1 1I)Qllns Ihll hlghesl ~llIlle fato pllbll~H!llln '"11 Willi Sffeer JOllffldf on Ihllllul bUSIIlO5S day ollhl prlllllou5 (alendar monlh. Any muelSlI or dllCf.alO III Ih. APR wlllllkllllllllCI all thll hUI day 01 youl hllhnu cydll ond 11\0" ro~ull In II ~lInhl UlcrlllUlIor deueoso III Ihllal110llnl 01 YOUl 1n1llUIlllln pa~mefll, W. rasllllle Iho IIghl to chang! Ihll Inlll181 plIlClllllaGllral1l calclll/lIll1ns il YOII do nol cOIIIUly Wllh lhlS OlllOellll!l1t Ihll ANNUAL PIRCINTAGE RATlI" APRMllol purchaslIs IS 0"" IOf lhe tllSl lhfllll mOllthl., bIlling C'I'CIRS Ihol you. Accounlll opert, ThiS cO"I5tlonds 10 I dallv PIIIIOdlC rail 01 O~II. AliI. Ihe mlroduclo.y pOllod, .,OUI APR 101 plI,chllSII Will be dmrmmlld IS lollows You can arr,ln!lIlIO halle II lIallable APR IPwhl[h IS lowe'lhalllhlllowasl nonmtloduClOfY APR 'l'OU .,11 paymg on any III .,OU. olhll' cfldll u.d accollllIS. Ih" APR II ,"allable ani., II .,OU prollldllprool, II1lhe 101m 01 COIIIIS 01 "0111 rIIoSllfJCI'U1 billing S1l1ll!nlllnl, WO'hlrtg YOllr other non Irtlfoductol~ APH Your 1l0W APR wlllla~III111llcl IIllh. baglnrtlno ollhe billing c.,cllt lollo'o\llng our IIIIIIIIW 01 your prool. IHowe~l!r, Ihls chllnno Will nollll~1I eltnet balor'lhll condusmn of Ihelhrtll bllllllg c.,cl. mlrodllcl0lY pOllod.1 "WI do nol rllceiv8 such plOOI. rouI APR 101 purchasu Will be OIlollows: YoU! AJlR 101 plIlcham Will IIl1ry and 011'1' blllldlll!led each hllllno eyt]e up III 1.65' aholl' Prunll RaIl. Usmn 'h. IS lorrllllht, the APR for purchues In Iho May 1996 bllllnll (yell would hllllll belln 1590...., corrl!spillulllllj 10 1Ill1llly perllJdlC rolll 01 004356...., al1d Yllur APR lor puu:hosl!S Will nol go below 15911.... Th. ANNUAL PIRCINTAGE RATE 101 cllslom caw 1I11111111COS IS 0.... lOf lhe Ilr!1 Ihrp.1! rnollthly lulhlUI cycles Ihal "1)111 AccoullI IS Opllll. rhls cOlluponds 10 a dAily pllrlodl( lall 01 0"", Aller Ihll inlloduclO,y p'hod, youl APR lor cuSlom cuh adllanus Will bll del!!lIr-.ned 1l1'l1l1ow~: YOll C/llllllllll1lja 10 h,lIIl1a vallllblll APM which III0WII! lhlln Ihllllllentgll IInnllllforJlIClory APR on Ihlllelal b.1ll1ncn you halllllrallslllfflld Irlll1lolhllf Wldll card IIccounts. III11I1Ulllll"lllll olher IInOUllls WI!III ouon Illlhll tlmo you OIHlIllld Illis Accounl. Ihll APR IS allluloblll ani., II you prolllde ploOt, I/l.lhlllorm 01 copies 01 your 11105' /lCllnl blUing sl,lle'l1olll" showlIl!j Ihll nonll1lrolluctor., APFls 101 1111 the hllll1l1clIS you hawo IfllrlS oflod. YOllr nllw APR Will la~lIl1l1l1[! .11 Ihe hllgllUlIng ollhe billing t.,c1l1lollowlnQ our flVIIW 01 ~our plool IHowf!w. thIS r.hllngll 'hIli nollllke IIl1ecl bolorelhll concluSlQn 01 the three blllllllj cyeltr mlloduclOly perIOd.) II WI do nOI reClllllO such plOOt, youl APR lor cuslom caw IIdll.ncn will be as fellows: Your APR 101 cuslorn cesh IIdllnnnS '0\1111 he 21 90'. COIrIl'pondlll~ 10 011.111., pellodlc IilllI 01 006000' Thl ANNUAL PIRCINTAGE RATE 101 cuh 1Ir1l1on~1IS 15 2190","", corlll~llnndll1n 10 a Ilally llllfllllhc lilt II 01 006000'1 To delell1Mnlllhe ltWelll!]e dill!" balllne, sho'o\ln Oil your ,lillllUlIll11 101 Plllcllll!l!S, ildd Iflldlllll~" PurChlHiI Bolllnco linchllhlHI dluly ImanCII chalgel Irt Ih. billing cyelll dnd dilllde by Ihenumb., of d.ys in Ihll bll~ng qel.. To dllleH1Mnlllhll allela9' dIlly halonclI showll on YOUI sl,!larnenl 10f CU~IOIll cilili adlli!ncn, add IIl1ch d,lY's Custom Cn\h AdwlInce Balance (lI1cludlng dlllly hnllnCl chllrgolln Ihl blUing cyclo Ind dillld. by Ihlllllllnber 01 days !A Ihl blUlI1n c~dll. III dlllllHnme Ihll allo'aqlllllllly hat/Inn iliown on YOIl. slalemenl lor CIIs/llldvances, add ellch dIY'S Cash Adnnclt 8.lln[l !Including dlldy 1IIlllllel chal~'llI1thA bIlling cycI~ and dlWldll by Ihll numb!!, 01 da.,s In lha bllllllll cyclu. You call mulllply lMch ollhesllllller,llJA Ilally bllloncu by lhe number 01 da.,s 1M Ih. bIlling eycl. .nd by Ihll.ppliClbl8 dlllly plllll/dle rill II In oblaln SUbtOlllls, aod Ihon 81M Ihllthfllll sulllolllh to(ll!lhlll lol1l1ll!rn~no the tOllll,mounl 01 .,0111 hnlUlclI ChlllgllS lot Ih. bllllllll cycle. G.let P"lod for Pu.ch..... New IIIl1ChllsllS 1I0SIIId III your Acr.ounl 111 bllhll!j cyelos whl'llthe PIUWIOUS hlllonclt w,n IlIro, 01 'o\Iholl Ihll plelllOUS bdlllnCII wu lull., paId dUlIllg the cycl., do not blgin 10 IIlcur I Iin,nCB Chlllgl unllllhl sllIt! Ollh, nUl blllln!l c~~ht. You can ilWOIl .1Il., Imanu chol\le 011 suth I1I1W pu.chasllS II you PIlY Iho IOlal nll\lll bollneeln lull by Ihe plylnenl du. dill shown on .,our SlallllTlllllI New pUlchiUes pOSllllt m IllY olhlr hilling ~.,c111 !Acur a Imonce Chlllqll hOU1lh11llilllllhll pllrcha~lf wa~ IIlHdR Ilnd lhllrllls no Plllod. m which such purchllSlS ma., be "Plld wilhout ineunino IIlnlUlCllchargll. ThllrlllS nopellod HI whll;h cuSlom cash ,lIll1anclISef Olhllr cosh i1llllllllcesrnllY hOlllPllld wllhoullnCll/lll1g a tlllollcllcha.gll hea, We Wilt chanin your Accounl up 10 .18 10f: IIl1ch r.ard you a,k liS 10 II/plnr.o; ench III'Ulf1l1d pll'l"l111n1 ChlfCk:. each chllck you wrllll on your Accounl IhJI WOllllullI unpl1d; 'Ich SlOP PIYI11lflI o.d... or I(IOlIwMI 01 such an olde!. each billing c.,e1e Wllhlll whlr.h YOUI AccuunllS llllhnquenl !jaIl cha'lIel; and each billing c~clll wllhlll which y01l1 bllliln~e lI.clleds YOllr mdlt lfnll. II y. requI" COOitI 01 blllll1lJ slallllwnts lhal 'hilI' IInl slInl 10 'au mll'o Ihan lhroe monlhs elllh!!l. WII ma'/ chmgo 0 handllnl) lee 01 52 101 IIllch such Call., Derlull, You '0\1111 bll III dnlllult II YOII Willi nol IIlinlblo lor thll Accounl lit Ihll 11m. II WItS Oll"rlad: II ~IJU lilll In comply 'o\Illh ony 1I0fl 01 Ihls AgII.IliOnl; il any inlormalion yijU give U, P'OVI'IO be IOClIlTlplell or Idlsl1; upon yom dll~lh, hnn~ruplcy, IIf IOsohll!t1c.,; II you!;1I1 to [lay othol delli' when IlulI: 110 bank'UIIIC! pllllllon IS llllul by or a!lamS! you: or II WII believe In good '"ith thai yOU mIIy nijl payor perlorm your oblrUBllOIIS undol Ihls Aor,,"menl. On youl (/olaull we 1I10~. W,llhOllllullhllr dl!mallll or nOII(II, elln~e ynur clllllllllllwlleglls, dllclllrl .,ou. Account blll.nclIlmmtdlllllllv dult .nd p.y.bll. and InvokllallY ,"mody WII may hallo. In lhe Ivenl 01 .,Olj/ d"laull. Ihl OUI~ljll1dlnl) balllnc. on your Accounl shllll elllllllllll1 to acctulr IIllmeSI itl the APRlsf disclosed II1lhll flnln.. Chit..' MCllon 01 Ihls Aglltllfllenl. IIVOIlII ''''" hay' sued YOlllo collllcllhll orllOllrl! you 0'0\111, Clldlt Lln.. your CtItl1illllle IS 'peeltlod I.nm Ilmll 10 lirml Ul a sellolalll nUIICR. Wa may I/lCrl'a~e or decfllase yllll. C1adll hnR hilled on IIllolmalion \11I11 oblail1ed 110m you or yOllr cllI!lr rKorda. You, avallahlo mdll is lIormolly tho dllllllonclI between 'l'our crDlIII IInllllllll yom ACl;nuIII bnlolll:nlulI:hlllll1!1lljlnUCllons 1Il0dll1lf lllllholl/ed bulnlll .,1I111ouoIll. For Cllllaln cash IId~lIllces. .1I.lllbl, eredll may ba I.u You Will nol us, ~our Ar.r.ollnl 10'. IInd WI 1Il1t., IHluso 10 1I0110f, any 11,II"aCIIOII which would caU58 you 10 lI_elled your aVo1lll1blo CIIII!lt Proml.. 10 P,y. YOIl I'fOIllU' 10 plly us whlln IlulI o1l1l1rnourlls hUlrowed 'o\Ihlln you 0' '0Il1I10nIlI!ISI lI~U your Al:r.ollnt lellen It lhn "mounr chorglld e.cllnlh .,OUI permisSion I, .11 olhlf Ir.nstetklnlllltd chll'!I" 10 ~Ollf AtCOunl, .lod collnclmn cosls WlllnCUI IrH:lultllHl, hullllll hnMh!d In, fell~lInllhlllllllornIlVllee' ,111d r.1I1111 r.osll lit you Wilt tha slIil, WI Will pay you. fluonable at!olll'Y" 'HI .nd COUn ClIsl~.) 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