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STJl"TE OE'
coUNTY OE'
&,(hilU. ~LZffJ(l , scates that he/she is the
-'/J!i-Wm (r;;.;;/IM~ ~ of the ,~laintifE in the foregoing
~ that he/she is authorized to ::'ak.~ t.his affidavit on itS
beha], f and that the facts contained in the foregoing pleading ar.e
true and correct to the be!lt of his/het' Knowledge, informat.ion and
belief. He/She further understands that false statements made herein
are subject to the penalties of 18 pa.C.S., Section 4904, relating to
unsworn falsification to authorities.
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Oath L' !,jo;;;;~al Soal
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.. H(J/~h(Hn Twp gnt, NOlary Flubllo
, ^l1v I 'n" " Monl9on
, , . rnnllusjnn E " lEfry COLlnl~
._"_~. 'I :-:r-HrOS Jan 31
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probl.m .pp..red, You c.n t.lephone u., but dolng.o will nol
p.....rve your rlghl.,
In your I.U.r, give us th.lollnwlng Inlormallon:
. Your name al1d aCCOllnt nurnb6f
. The dollar amount ollho suspecled error
. De.crlb. the arror .nd explain, If you can, why you balleve
lhorels an error, If you need more Information, descrIbe the Item
you Bre not sure aboul.
II you have .uthorlzed us 10 pay your cradll card bill aulom.ti-
c.lly Irom your ..vlngs or Checking accounl, you can .Iop tha
p.ymanl on any amounl you Ihink Is wrong, To stop Iha
payment your lotter must roach U9 three business days belore
'he .utomatlc paymanll. schedulad 10 occur,
YOUR RiGHTS AND OUR RESPONSIBiliTIES AFTER WE
RECEIVE YOUR WRITTEN NOTICE
Wa must acknowladga your laUar within 30 days, unla.. we
h.va correclad Iha arror by than, Wllhln 90 days, wa muslallhar
correcllha arror or axplaln why wa bellavalha 1>111 w.. corract.
After we receive your luttar, we cannot try to colleol any amount
you queatlon, or report you as dalinqunnt. Wa can conllnua to
bill you for Ihe .mount you queallon, Including IInanca chargas,
.nd we o.n .pply any unp.ld .mounlag.lnsl YOllr cradllllmll,
You do not h.ve 10 pay any quesllonad .mounl whlla wa "'a
Invesllg.tlng, bul you .re stili obllgatad to pay p.rts 01 your bill
th.1 .ra not In quaatlon,
II we Ilnd Ih.t we m.de. mlsl.ke on your bill, you will nol hava
10 p.y MY IIn.nce charges relaled 10 .ny quastloned amounl,
II w. didn't m.ke a mlsl.ke, you may h.ve 10 pay IInance
ch.rg.. .nd you will have 10 maka up .ny mlssad paymanls on
tho questioned emounl, In ellher ca.a, we will aend you a
atalem.nt 01 the .mount you owe and Ih. d.t. thai Ills due,
II you 1.11 to pay Ih. amounllhal we think you owe, wa may
report you.s dallnquant. Howavar, if our axpl.n.tlon doas not
s.tlafy you and you writ. to ua within t.n d.ya t.lllng ualh.t you
allll r.lua. to pay, w. must t.lI.nyone w. r.port youtoth.t you
h.v. . qu.sllon .boul your bill, And, w. must t.1I you Ihe n.ma
ol.nyon. w. r.ported you to, Wa mual toll.nyon. we r.port
you 10 Ihallha m.Uar h.s been sattl.d belwoen us whan II
IlO8lly Is,
II w. don'llollow Ih.se rule., wo c.n't coli oct thallr.t $50 01 tho
quostloned .mounl, ev.n If your bill w.s correct,
SPECIAL RULE FOR CREDIT CARD PUR()HASE!il
II you h.va. problam wllh the quallly of proparty or services th.1
you purch.aed with. credit card, .nd you h.ve lried In good
1811h to correct Ihe problem wllh Ihe march.nl, you may h.v. the
rlghl nollo pay 'he r.m.lnlng .mount dUll on the property or
a.rvlcea, Tl1<1r. .r. cert.ln Ilmltallona on thla righi, Including:
(.) You muat h.v. m.de Ih. purch.a.ln your home at.I.,
or II nol within your horn. .t.t., wllhln 100 miles 01 your
curr.nl m.lllng .ddr.ss .nd
(b) Th. purch.o. pric. musl have been mor.lh.n $50,
Theae Ilrnll.lIona do nol .ppty II we own or oper.te the mer.
ch.nt or II we mailed you Il1<1advartlsemanl lor ,he property or
8orvk:es,
UHIIIT
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A.144.
18.i..IO.
8.811111,l'V.,.o (LI
Colonial National Bank USA
Disclosure Statement and
Cardholder Agreement
1, p.rtla.ln thl.. Agroament, "you" or "your" moan.. C.rdholdar;
"we," "us" or "our" means Colonial National Bank USA,
Wilmington, Dolaware; "C.rd" maans MastarCard or VISA
card(s); "Account" me(jns MastorCarc.! or VISA account.
2, Agreement to Terms In accordance with your request. W9
havo opened an Account lor you, Your signature on the
appllcallon, your rotenllon 01 the Card, andloryour us. 01 the
Account In .ny way means you .gra. to the lerms 01 this
Agreemenl and Ihe provisions on tho C.rd IIsall,
This Agreomanl governs your Account and usa of Ihe Card
wo have issued to you, We will pay member merchants for
goods and sarvlces you obtain by usa of tho Cord.nd m.ke
other loans 10 you on IOrms explained lalOr In this Agroement.
You authorize us lochargeyour Account lor all auchamounts,
.nd lor any othar amounta .dv.nced to Ihlrd partlas on your
bohall, This Includes, wllhou,II01I1.lIon, .ny .mounla w.
advance on your beh.lI.s a resull 01 us. of .ny Card.ral.ted
sarvlces offered by MasterCard Inlernellon.' or VISA U,S,A,.
Ine,
3, Appllc.bla L.w . Thl. Agreemenl .nd my Aecount .r.
govern.d by Oel.wor.l.w, .ubloct to .ppllcobl. proYI.
lien. of Fedorlll.w.
4, Conlumar LOlnl You .greelh.1 all credll extanded undlfr
your Aoooun'ahall be used only for peraon.l, I.mlly. houa.-
hold .nd/or r.,harll.bla purposea .nd not for any bu.ln.ss or
commercial purpose,
5, Monlhly Stallmlnl We will send to you. monthly al.tement
at I..st 14 d.ys belore Iha payment due d.le, Purch....,
C.sh Adv.nces, .djustmenls .nd payments m.de alnce Ihe
lasl billing dale will be shown on this slatemant. You will pay
us tho lull balance owed wllhln 25 dayalrom the billing d.le
shown on tho monthly statament, or p.y In Ins'.lIman,", II you
pay In Installmonls, you must pay Ih. minimum p.ym.nt
dascrlbad In par.graph 6,
5, Total Credll Llmll Thla AceoUnlls d.algned 10 give you a
spoelllc Tot.1 Credit Limit, which Is rellecled on tho C.rd
carrlar .ccompanylng your Card, and .1.0 on your monthly
ala'.mants, You .gr.e Ihat we OIoy ch.ng. Ihla limit .t any
time, .ndwewlllnollly you ol.ny auchchange, You agree 1101
to permit your unp.1d bel.ncelo exceed your Tot.1 Credll
Umll, You underst.nd th.t II you requ.st .n adv.nce or
ch.rga .g.lnsl your Aceounl which excaeds Ihl. IImll, ....
may charge an ovarllmll oh.rga aa described In P.r.graph
16, Wa may, howaver. al our opllon, gr.nl .ny such .dv.nce
or charge, .nd II we do, you .gra. to pay .ny .mounlln
exc.sa 01 your Tol.1 Credll Limit Immedl.tely wllhoul nollc.
or d.mand lrom Ua, You .Iso understand .nd .gree Ih.t Ihe
Cash Advance Credll Llmll rallocted on your C.rd oarrler.nd
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monthly slolemenls, discussed In Paragraph 1201 Ihls Agroo,
menl, Is a pMlon 0' your TOlal Cradll L1mll,
7, P'ym.nl. Vou proml.e 10 pay all amounlO due on your
Account. If your Arcollnlls a joInt account, YeJU and your jOlnl
accounl holder each promise 10 pay and ara Jolnlly and
Individually responsible 'or all amounts due on Ihe Account.
We may also Issue addlllonal Cards to oth.r p.roons yoU
aUlhorlz. 10 Uoe your Account II you ..k u. 10 do 90,
How.v.r, you and any jolnl.ccounl hold.r or. ,".pon.lblo
lor all charg.s modo by any pol .on (.) aulhorlzod to u.. your
Account. You understand and agree that arrangements
made among Cardholders, court orders and other events do
nol allor or alf.ct your r..ponslblllty to make paymenl. to u.,
Vou understand thot you may pay all or any Part .1 Iho
balance on your Account at any lime. You must, however,
pay an amounl nollass than Ihe minimum paym.nl duo 'or
.ach monlh you have an oul.londlngbalanc., Vou muslpay
u. dlr.olly and w. mu.t r.c.lv. Ihls paym.nland the romll.
tance stub on or before the payment due date, In accordance
wllh .Ialem.nlln.lruction., In order 'or your Account 10 be
orodll.d by Ih. duo dalo, All paymonl. .hall be mad. al tho
addros. Indlcat.d on tho monlhly slalom.nt .nd .h.1I be
m.doln U,S, dollars by a oheck dr.wn on or a money order
Is,u.d by aU,S, IInanclalln.t/tutlon, naming u. .. paye.,
Vou mU'1 not ..nd c..h, Vou agr..lo pay 'or any charge.
you Incur In a for.lgn curr.ncy, which will be converted 10
U,S dollars on a d.t. th.1 may be 1.I.r Ihan Ih.lran..cllon
dot. and may b. .ubJ.ct 10 an Inl.rchang. conv.,.lon '0.,
In accordance with appllc.blolaw, w. will chao.. tho ardor
In which any paymenl will be appllod 10 your Indebtedne.. to
u. 01 th.llm. tho paymenll. modo,
8. MInimum Payment Vour Minimum Paym.nt, due within 25
day. Irom Ih. billing cycl. clo.lng dol. .hown on your
monthly ol.l.ment, will be .IIhar $10 or an amount detor.
mlnad In Iho mannor sat forth bolow, whlchevor I. gre.ler,
unless the New Balance shown on your statement Is less
than $10, In which ca.. tho N.w Balanc.l. du.ln full:
(a) Tako the Now B.I.nc. a. .hown on your 'Iot.mont:
(b) Sublract frorn II .ny FINANCE CHARGE, lat. charge.,
.nd o".rllmll ch.rges:
(c) Mulliply Ihl. amounl by 1 porc.nt (,01); .nd
(d) Add back any FINANCE CHARQE, lato chargo., .nd
ov.rllmll chorges, IIlh. re.ultlng .mount I. le.s than
$10, Ih.n round up 10 $10; and
(.) Add .ny lat. amounts, rounding 10 Ihe neare'ldollar, .nd
add ar,y ov.rllmll amount.,
8. Fln.ne. Charg. Vou .gro.lo pay Ihe FINANCE CHARGE
on your Account.
(a) No FINANCE CHARGE 1.lmpo.odon Purch..o. which
IIrot appear on your current billing olatem.nt whon tho
Pravlouo Bal.nca .hown on th.t .1.lement I. z.ro (or.
crodll b.l.nce) or when paymenl. .nd crodlt. ehown
equ.' or exceod Ihe Prevlou. B.,.nce,
(b) Otherwl.e, 0 FINANCE CHARGE I. Impo.ed on Pur.
ch...., C..h Advance., and Dr.lI. from Ihe 1.ler of Ihe
Ir.n.acllon dol. or Ihe IIrsl d.y of Ih. billing cycle during
wnlch Iho Ir.n.6cllon po,I., unlll paymenlln full I. ,..
colvod,
Wellguro your FItIANCE CHARGE by:
(.) Flrsl dolO/miring Ih. Averago D.lly B.lanea. In your
Account. The.. Aver.ge Dally Bal.nceo .ra:
(1) Th. Avarage Oally Balance 01 Purcha..., W.'lgur.
a FINANCE CHARGE for Purch..e. on Ih. '.ver.
ago d.lly balanca" of Purch...., To gallhls b.l.nce
Yle Iakelh. beginning b.lance 01 Purch.... on your
Account lor .ach d.y 01 Ih. billing cyole, .eId.ny new
Purchase., appllc.bl. unp.ld FINANCE CHAnGE,
and lat., ovarllmlt, and crodltln.ur.nce ch.rg..,
.nd sublracl .ny applicable portion. 0' paymonl.
and credits, This give. uslh.d.lly bal.nc., Th.n we
add up alllhe d.lly balanc.s 'or tho billing eyol..nd
alvlde Ihe 10101 by Ihe number 01 d.y. In lhe billing
cycle, Thl. give. u. the Avor.ge Dally Balanc. 01
Purchases,
(2) The Aver.g. O.lIy B.lance of C..h Adv.nc.. .nd
Orall., W.llguro .portlono"ho FINANCE CHARGE
lor C.sh Adv.nces and Or.lI. on the '.v.r.g. d.lly
balance' of Cash Adv.nces .nd Dr.II., To get Ihls
bal.nce, wa take Ih. beginning belanoo of C.ah
Advance. .nd Oralls on your Account lor .aoh d.y
01 the billing cycl., add .ny new C..h Advancesand
Orall. .nd .ppllcabl. unpaid FINANCE CHARGE,
and .ublract .ny .ppllcable portion. 01 paym.nt.
andcr.dlts, Thl.glve. u.lhed.llyb.lanc., Th.nw.
add up all the d.lly balanc.. for Ih. billing cycl. and
divide the 101.1 by Ihe number 0' day. In the billing
cycl., Thl. glv.. u. Ih. Av.rage Dally Balance of
Caoh Adv.nce. .nd Dr.lls,
(b) Multiplying your Av.r.ge Dally B.lances by the appll.
c.ble Monlhly Periodic R.te or Rate.,
(c) ~,dding Ih. prodUCI. 0' Ihe multlpllc.tlon 0' Iho Av.r.ge
O.lIy Bal.nce. and tho Monlhly Per/odic Ral.,o arrlv.
at your periodic FINANCE CHARGE,
(d) Adding any fee. referred 10 In tho par.gr.ph IlIled 'C.sh
Advanco Fees~,
10, Annu.1 Percenl.g. R.te Vou .gree Ih.lthe Monthly P.rl.
odic R.le (and corre.pondlng ANNUAL PERCENTAGE
RATE) u..d In IIgurlng the FINANCE CHARGE wlil be
v.rl.ble r.le., a. d.scrlbed below,
(a) For Purchase. which poslln any billing eycle olo.lng
b.fore May " 1996, tho Monlhly Periodic R.t. .h.1I be
1/12th of Ih. higher 01 .lther:
(1) 12,9% ANNUAL PERCENTAGE RATE (WhiCh
corr..ponds 10. Monthly P.rlodlc R.te of 1,075%),
or
(2) 6,65% above the three monlh. London Int.rbank
Olferod R.t. ('LIBOR') publl.h.d In Ih. W.II Slr..t
Journal on Ih. dat.. Indicated below,
(b) For Purch..es which po., or or. OUI.t.ndlng In .ny
billing cycte clo.lng on or all.r M.y 'I, 1996, .nd for all
C.sh Adv.nce., Ih. Monthly Periodic R.I. sh.1I be '
1/12th of Ihe hlgh.r of .lther:
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