HomeMy WebLinkAbout98-02166
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iJ.~'PROVI[)IAN
,- 1'1',1</1/1 'ill! , Pfovldl.n N.llon.18.nk V!SAll Account
AccollllI Au'"m'fll lor Mlch.., R. WIll
You, 'ro,ldion N.,~n.' 81nN VISA" VISA Oold ""'lIlllh. 'A"olln'" .Now. YOlllo maN. p'lCh.... b, "'lIg '011' VISA 'lid IIh. 'Clld', w . dilllCIIlro," "
" IOY OIh.. PIII~~"~I'In'"CI".OIl1l1i1on. CO"",ilnCl ch"N. mal"1O b. pro,id.d 10 ,OU .. lll.ddlilonol w., 10 1111 Ih. Accounl. In ,hi. Ag'......', "0" ,"d "Oil" no.. lI,h p"""I" whom
WI h.v. opened. erldl Clld Account. ~WI: -11U1, ~ .oun: .nd "lit me." Ptovldl.n H.llon.1 Rink, 0' 1ft utltn..), .. NlIH on your billing 1111.m.nt. YOII may nul b. .lIgitJl. IOf .n Account jf you
Or I rNrlitr 01 yOllr houMhold "'tldy h,v.. "ldll.ceollnl Wl1h Fill' O,pollI Nallon.1 O.nk Of Provldl," Hlllon.1 Blnk, Th. ACCOlJ/lllllllY~' tiled only fnl ,...on,1, tinily, household, .nd ChIUIl.bJe
pUlpOl1l, Ind nollo, "'IV bulln... !II cOIMlIfclal pUlpal.. You Illd W. 'U""1t tollows:
.,.,1.1 R..ul'lIMftt ot thl. Alllli'U: C,.~!t R.vl.w ''''Jlm. In o,d", 10 hIp YOUl Accounlln good sl.ndlng, you hlv. 'AIII,d not 1ft IIlcl.... Ih. .1I\1unl("III .ny b,l.ncI It.nsllll h.ll. b..,;
c~lelldl olloUI 101.1 dlOl ollllnseculud "vnlvlnv c"dll ,CCOUIIU with OlhM "ndlU wllhout our 'Ulhollllllon. W. wlU "vltw VOUI crlllll IIcolds plllodlc.lly .nd COnllcl you II w. blll.vI Vl1U III
no, ",","Ig Ih. IIIICI., "q"on.II',
"YmHtl. You will fI~tlV' · monlhly 11.I.mtnllltowlng your oUUllndlllU bllonu. You will p.y us In U,S. dollllllch.ckt mUll b, p.y.blt'l . U.S. olllu ollh" bonk lh, ch.ck II d,lwn onlll'....
Ih. P'Vmltll dUflll aIlown on your 1l11.ll18fl1 by lh. p.ymenl dUI d'I.11I .ccold.flce with plymenlllulrucllons all YIIU, monthly 41'1"'11I11, Vou mty ~ol USI you, convlllltnc. chl~kt 10 mfh "Yl1'llnu
on your Accbunl or 10 make plyme'llI on Iny olhll ICCOUIlI you hive with III or OUI Iflili.le,. Th. plYlllenl dUI will b.: 2% of Ih. IIIW b.I,ncelhowlI on you, 11'11f""1I plus Ihl 'roounl 0 Iny pltl
dUI plymenl, phu th..lllOunl by whlell Ih, n.w b.I'11U uCll.d. YOUf Cledlt ~nl, plllsl.t.t fot clll.ln opllllll.lsMVlc... tloW'VIf, Ihe p.ynllflt due will nol b.I... IIt.n .15 lunl,,, YOUf new b,'.net
lilt.. IIt.nUS, hI which cu. Ihl P'YJlWIlt dIll will be the lmelunl ollh. naw btl.nc'I. W. nlly "qulr. I highif' ninlollm plym.fllll your Accounlls P..t dUI or IbOVlllh. crMit Un., bUI w. will
n.,lIy you b.lo" dolnp 10. II '''1/ P',"'OOI II """ ,h.lllh. p',,,,,", dll.. II will b. I"".J .. . ~"gl' p"""", Ind liOns 0' II wlH b, .ppN.d 10 ""," P'Y"""1l dos_ W. me, '''11111.,. 01 pIIII.,
p'YfMnu, or p.yltllHlU Jl\Ilkld ~ptla III lull~ 01 marked with olh.r r'llfictlon.. wilhoUllosi"" OUI fi"hlto colllcl .11 .roounll owlnw under this AQIt.ment.
fllI.M. C~.rl". hC.pI.1 d.Jcllb.d In Ih. Orlcl P,rlod lor Pluch.... neUon ollhls AUllemenl. IlIt.nc. ChllgllS b.uln to .ccrue on I dtbll when II is Includ.d In On' III YOIlI d.Uy b.l.neet Ind
cnnUnll. unlU Ih'l b,'.nc.l. "duted by. ptymtnl 01 cf,dit You, /ICcounl hlllh,.e dilly blllnc..: Ihl PU'ChUII8.I.OCl, which consilII 01 PUfch....IOU rtllke wllh YOIII Clld; Ih. eu.tom Cllt! A~l..IMI
' which contlsl. 01 Unll<Ultd credit Clrd H1!~,t Ih" YOU tlln\I1!. 10 YOUI Account using b.l.nc.lttnll.f clf,ckl .nd b.l.ncII Ih.1 w. lllns If 10f you dUling Ih, .ccounl opening P'OCllli-iffiI
' ~t Which unlllU of .11 oi~ IllvanclIs.;a;ny p,ymenl .mounl wo fllcelvlthllll.CII.d.lhe fin.nce chllg.. Ind '111 lhllfl dUll will liul leducelh. ,.""Inlna PUfch.s. B,llne.,
.nd tn. If Ie It. B.I.nc.', UtO, will ftduca the Ilffillnlnll Custom elth Advlncl B.I.nce Ilnd Ih.n, lllhl Cuttom Cllh Advlncl 8.hlncellleJo, wIN reducllh. """Inlng Cuh Advlnce O.lance.
Thl Pu,eh"., CUllom Cuh Advlncl, .nd Cull Adv.nce B.I.ncfS '" "duclld by p.ymeoll II Ollhl dill flcelv.d, ;nd by c,cdlll f..CIPllol f'v",,'s of 1'11, Ovtr,Nml, Ind ~tctlf.nloul chllg.') It
of Ih. dllt posttd. Pu'ch.... ."Includ,d In YOIlI PUlchll' O,'.ncl IS 01 thl d.I' ffildo. Cuslom cuh IdVlnCUII. included In you, CUllom Cuh Adv.ncl B".nce .s 10Howl: Iunds tleclronlclNy
I"nlftilled 10 olhlt lendtfllo Ifln"" b.l.nc.s, II of 1110 d.le If.nsmll.d; checks 10 Iflnsfll b,l,nc... II ollhe d.le PlIlenlld 10 us. Olhli cuh Idv.nclI'fllncluded In YOUI Clsh Adv.ncl B.I.nc.
III00Kow.: uth Idvlnc.. horn Gth" 1Ir..nclal inllitullons tnd Ihlough Automated hll.n, II of Ih. d'll mad.; IlInd. ,Ieclronlc.lly Iflnl~llld, .. of Ihe datil If.nsmht.d; cuh .dvlnc. ChlCkl mad.
p'Ylbllla vou lh.llff Idenllfled u c.lhlll'l ch.cks thlll w. mall 10 you .t your ,.qulSl, In 01 sevin dall .ll"f Ihl d.tl WI pllnl on Ih. chick; .11 olher chtckl mcludlng convlllllnce ChlCkl, .. of
Ih. dill plt.WIlled 10 Ut Olhff d.bllllucepllor 1.1., oVIf-llrnil, Iln.ncl, Ind ~sc,tl.n'olll chllg.., 'fllnc uded In yOUf Purch.se, GIlItom Cllh Adv.nce, Of Cuh Ai/v.ncl 8.I.ncI.. ollhe dal. poslld.
fln.ncl chllg.. If. .dded 10 youI PufchlSe, Cuslom C.:h Advonc., .nd Cuh Adv.nce Balanceslulch day Ind II. Ih.n POSlld on Ihel'SI dsy ollhl billln!t cycle. Th.ftls no plllod within which Cullom
cllh .dv.nc.. 01 oth" cuh .dv.ncu mty b. IIp.id wllhoul Incunlng . linanr.. chllge.
To IlgUII Ih. d.Uy fin.nc. chllU' forpurchuDs, the dlily linance ch.rge 10' Cuslom cllh advances, .nd Ihe d.lly lln.nce chalge lor olh.. CI.th IIdvlnces, we 11111 with youI plIvluul d.y's Pu,chul
8.lancI, CUllom Cuh Adl,nc. BII.nce, .nd Cuh Advenc. BII.ncl, add .11 dlblll.nd lublllCI III cfedl.. IOf Ihe CUIlInl day 10 the .ppNuble B.lance lal Ilpl.lned In Ihl pa"graph .bovalend roolllply
Ihl n.t .rmunl by Ih..pp iCllbl1 d.ily plflodlc t'll IlIe following Pll.grephs,. Thelin.nc. charge for pUlchas81 Illh,n .dded 10 Ind Included In Ihll d.y's PUlch.s. B,'.ncl, Ihllln.nc. Chllg,'of cu.lom
oath Idv.ncelll Ihen add.d to Ind lnclu~td In that dlY'1 CUllom Cllh Adv.nce B.I.nce, '"d Ihll filllnce eharoe fOI olhef cash Idv.nce.ls Ih.n ,dried 10 Ind includ.d In thll diY'S CeI" AdVlnce Ollance.
W.III.II cfOdll b.llllcllo, .ny d.y .. 'UfO. WI d'l,urln. Ih, tolll fln'ncl ChlfgOI fOI Ihe blUing cycle by adding logelher the Ilnllle. chllg. fOf pUfch.... fOf IIch day within Iho billing cyela, Ih.
linance chltlll fOl cUSlom e"h Idv.nctl fOI IIch d.y wilhln Ih. blHing cycle, .nd Ihe Iln.llCO charge 101 olhll' cuh .dv.nclI 10f IIch day wllhln Ih. MUng cycle. In clllcul.lIno IIn.ncl Chili", In
.d;t.lmenl wUI bl mtd. for .ny 1,.nllCllon or P'yroonl Ih'l would h.v. Iffecled Ihe Ilnance chllge Cllculotlon In I p,lor billing cycl. hid il blln poslld In Ih.1 cycle. Thl.ppllc.bl. dilly periodic III.
fOllUch · IlIn"Cllon w~1 b. the IIteln .lflcl fo, Ih. CUrrenl billing cyclllllh,r th.n Ihe 1111 In offecl on Ihe d'le ollhe l'lntacllon. The hlllncl 'mounlt .hown on your SI.lemenl may dlffll Irom
Ih. Puleh.,., Cuslom C..h Adv.ncl, Ind Cuh Adv.nce 8.18nc.. used In con"ulinp lin.nce cherges, hec/luslllhe PUlch.." Cu.tom Cuh Munce, tnd Cuh Advance 311.ncu do not Includ. .IlY 1111,
over.Nnil, 01 Insclllln.ous ch.,glS which ere includ.d in Ihe b"llnces ,hown on your 1lllement.
Till 111m ~Prlmt R'le~ .. used In Ihll Agreemenl me.ns the hlyh8l1 primo "I. publish.d In Thl wIn Sf"'t Joum,' on the lilll businou d'l of Ihe previous c.lendlf monlh, Any Inell... 0' dee"...
10 lh. APft wUlI.ke .lIlcl on Ihe 11111 dlY 01 youI billing cycle .nd I118Y mull in . slighl Incllase or dllc"ue In Ihe llmounl 01 YOUf n.n 100m P.ymtJll. W. IUtrV. the tlghllo ch.ng. Ihl .nnuII
plfClnl.ge IIII cllcul.lIons II you do nol cOll1Jly wllh this Igflement.
Th. A~NUAl PERCENTAOE RATE r'APR"I lot p'''h....I. 0% fotlh.lillllh". ""nlhl, billing "el..,h,' '0"' Account Is OP'"' Thl. CO"'1II0Ild.,0. d.lI, plliodi' III. 01 0%. Af'"lh'lnlrod,C1ot,
plllod, YOllr APH for pUlch..,.., will b. dll.,,,.n.d .. follows: You clll.nllnge to have I vI,la~le APR which is lowllIhan lhe lowesl non'lnlloduClllfY APR you Ifl p.ylng 011 .ny 01 YOUf olhlt clldll
clfd 'ccounlS. Thll APII II .v.U.bl. only If you plovlde proof, in Ihe fOlm 01 copl.. 01 yOUf mollllClnl bltllng .I.tlmenl, Ihowlng YOUI oth.r non.lntroduClOly APR. Vou, nllw APR wUlI.kt .If.cl
'11h, h.glnning of Iha billing cycle lollowlng our rlvl.w of your pfool. IHowever, Ihls chlnge will nol tlke IlIecl blfoll Ihe conelution of Ihl Ihlle bllllnll cycle Inlfoduclory plllod.) II w. do nol r,cllvl
lOch plOol. ,our APR lot p.rchUl' will b, .. loNows: Your APR lot p'rch.... will '"' .lId mol b, .d~lIl.d OICh bHlillg c"" 'P 10 7.65% .bOil P,ima R'I.. U.ng Ihi.lo"",I.. Ih, APR 'or p"'ch....
In Ih, A,gusl 1996 blHlng cyel. wOllld hIlS h..n 15.90%, co""polldinp 10 . d.i1, plllodl, 1118 nl 0,04356%, sod '0"' APR I" pllrch.... wHl nol go b.low 15.90%.
Th. ANNUAL PERCENTAOE RAT! fUl CUllom ,..h .dVlII'9l I. 0% lor Ih, lillllh". ""nlhl, bHling "el.. ,h,' '0", AccoulI' i. OPIn. Thi. CO"'!flood. 10 . d.lI, p...dl, "I' 01 0%, Aft.. Ih,
InlroduClory plllod, YOUf APR lor Cu.lom cash advances will be dlllf~ned II follows: You can .".ng'lo have. Vllleble "PH which illowef th.n lhl.vllege Mn.lntroduclory APR 01' Ihe 101.1 belanclI
you hev. tr.nlfllfld from Dlhll clldll clfd lecounls, provldld youl olh.f accounll we,e open .1 Ihe lime you opened Ihls Accounl. Thlt "PII II avall.ble only If you provld. p,ool, In thl 101m of (:oplll
of YOUI rnOllllcenl billing slll.lI1Inll, showinu Ih. nOIl.introductory APRs 10' .n the bll.ncII you have lflnsfefled. Your new ArR willl.h ell.cl It Ihe blglnnlng ollhll billing Cy~18 follOWing ou,
lIvl.w II' your proof. IHoWllllf, Ihit ch.nge wm nOlllke eff,cI bltorelh. conclusion of the Ihree billing cyclllntrodueto,y perlod.I If we do nol receive luch prool, YOUI "PR 10' custom cuh advlncas
wlll bl II follows: VOUI APR lor CUllom cuh .dv.ncos will be 21.90%. cOffespondlng 10 ,. daily periodic rile of 0.08000%.
Th, ANNUAl PERCENYAOE RAT! '" CIIh .dVlIICSl i. 21.90%, co"..pooding '0' d,i1, p..iodi, II" " 0.06000%.
To dlllfrnn. IhllV"'le d.lIy b.lance shown on you, Illtemenllor pu,chase" edd elch daY'1 PUlchue B,'.nc. (Including d.i1y flnancl chllgelln Ih. bllllllg cycle .nd divide by lhl null'trll 01 dal' in
Ih. hilling cyclI. To d. linin. Ih. ,v'lIg. dally ballncI shown on you, tllll,menllor Cullom ceth IdvlnclI, Id.1mh d.y's Cu.tom Cuh Adyance B.lanc.llncludlng d.ily IIn.nce chlllel in Ih. b Illng
cycle Ind divide by Iho nu"'" 01 dlYlln Ihl billing cycle. To del."rin. Ihe 'VM'gll dilly bal.nce Ihown on YOUl Sl'lelTl8f1t fOl CI.h IIdvenc.., .dd eech diY'S Cuh Adv.nc. B,'.ncI (inCluding d.lIy
fln.ncl chllgl) In Ih. billing cycle .nd divldll by Iho nulOO" of day. In Ihe billing cycle. You cln mlllllply each 01 IhcSI,v"loe d.lIy ba'anclll ~y Ih. numbel 01 day. In Ihl billing cycle .nd by Ih'lppllc.ble
dlily p'llodic fit. to obl.ln sublol.ls, Ind Ihln .dd Ihllhres sublolnls togelhe, 10 dellllllne IhIlIOI.I.mounl 01 your linlnCB Ch.'g8110r lhe biUing cycle.
O,IC' P"lod far Purah'''I, . New pUlchu8I posled 10 youl Accounl In billing cycles when lhe pr.vloul bal.nee was 'ero, 01 whlln the pllvlous b.l.nce WIS lully p.id dUllng Ihe cycle, do nol b.gln
to incur · 'inanel chlrge unlll lh. Iterl of Ihe nul billing cycle. Vou cln Ivold Iny lin.nee ch.,ge on Iuch new ptilchlSlSU you pay Ihe tolll n.w blllncB In full by Ihe plymerll dUI d.t. shown on
YOUlllttlltTllnt. Naw pUlchues pallid In any olhll billing cyel. Incu, I fln.nce charge Irom Ihe d.le Ihe pUfchll8 wlllllade ilnd Ihlllls no period in which such pUlchlSes may tie r,p/lld withoul Incurring
Illn.nc'chlf!t~. Theil I. noplllod In which cUllomcllh edv.ncllSo, olhllf cuh Idvllnusl1l8Y 01 IIp.ld Wllhoullncunlng a IInancech.rge.
FII.. WI w~l Chllgl yOUf Accounl u~ to $'18 lor; each Clld you Ilk Ul10 ,epl.ce; elch "llImed plymenl chick: elch check you wrile on YOUf Accounl th~1 we feturn unpaid; each stop p'YllMInt o,d"
or fln.wal of such .n ofd,,; each billlllg cycle within which yOUf Accoulllls d.llnqu.nllllte Chllgl); .nd each billing cycle within which youf bllanc. '~clods YOUf Cffdlllinl. If you requlIl copies 01
billing statofl'lllll~ Ihll w". nflt senllo you mole thin lhr'l monlhJ lallier, we may charge' h.ndllng lee 01 $2 10' IIch .uch copy.
Del.ult. Vall will belli dal.ull: If VOIl were nOI.,lgible fOf Ihe Accounl '1lhellme II Will opened; If you 181110 con~fy with any plU olthls,Agllemenl; lleny Informetlon you OIV. us proves 10 hi
lnco~lell 0' 1.111I; upon your dlllh, blnhluPlcy, or InSOlvency; II you 1.1110 ply olhef debls whln du~; if a b.nkruPlcr pellllon II flied by 01 agllnsl you; or II w. b,lilve In !tood I.lth lh.t you mtY
not P'Y 0' plflolm your nbngllionsundlllhls Agreement. On youI del.ull w. may, wlthoul fUflher dumand or notice, c.nce YOUI credit prlvi/egn deel811 you, Accounl bel.nee Ilmledllllly dUI.nd P'l.bll
Ind Inwok. .ny 1I000dl WI mty have. In lh. eVlnt 01 you, delalllt, Ihe ouullndlng b.l.nce on yOUf Accounl sh.lI continue 10 accrue InllllSI 1IIIIe APR(sJ discloslld In the flnlnu Ch"llS 'lIcl on 0'1
Ihls AgflulIIfIl, Iven I w. hive sued you 10 collacllhe amounl YOII owe.
Cf,dlt lln.. You, crldillinlls .p.cllled horn lime 10 lime In . sep'"le n'\lice. We may increllll 01 decI"" your credit line based on Inlorll\lllon we obllllnld from you 0' youI clldll 'Icold,,, YOll'
Iv.lI.bll Cfldll/s nOIINlty Ihe dlUltence belwlen you, credlllln~ .nd your Accounl bll.nce /including uantlctlons mlde or aUlhorlled bUI not yel post.d). fot certain Clsh Idv.nces ,vllI.ble Clldll
may bll.lS. You will nDI u.e your Accounlfor, and w. may ,efute 10 honol, Iny If.nllclion which would cal/II you 10 uceed your .v'llabl. cr.dil. '
Pro,"111I 10 PlY, Vall pIOI.." 10 p'y us whln due .11 amounU borrowed wh.n you cr lomeona elSllule yOUf Accounl/lv.n If Ih. emounl chllped uceed:.: your Pllll1ulonl, III 01h8' Ifln"cllon. end
chillies 10 your Ar.counl, Ind collecllon coIlS welncu, Including, bUI nOlllmll.d 10, ,,"on.ble IttornllY's lees .nd courl coslS. Ul you win lhll 'UI1, WI will p.y YOllr reuonlble ,llo,ney's f.OI .nd cou,t
coslt.l
Ch.nln. We may ch.ng. .ny parI ollhis Agllemenl at Idd Of rlmove reljuirtll1'enll .ftel nnlice AS leq11lred by lew. II we change Uu, fln.nce ChllglS IlIcllon ollhls Agrelmenl, IhlnBw IInlnce chllg.
5637 Mieh.., S. Wi.. P15.90V I CC21.00f I C21.90F
I ~I' I
nlcul.Uon wllI.pply 10 your whul. Account ",I.nct flom the eUtr.llv, dill. allhl thloge, whelhl11 01 nOllh, blllllllCllncludu lI.ilIs pOII,d tD you, Account betall the ching, d.llltlld WllOlhlf or not
youconllnullo UM lh. Account.' '
'''''In lII.h","lClIfr.nay C.nvQ"ltll. II you ul. you, Clfd lor ".II.lIcllonl Nl I CUfl.nev olh,' thin U,S. dolllll, lhll ""lllclionl wilt bl cOIlY.llelllo U.S. dolllU, g.nll.lI,;, ullng 11th" I III
IOVtfnlNnHnlnd.ttd ,,1. I)' (WI whole..1t nlllk.1 III. In .Iltcllh. dlY blloll lht ll'nltcllo/l ptoc.ulnl,l dill, "IC,,"ed by 0111 perunl (1%1, II. credit iI'Ubl'lulllllv ,lvtll IOf. If.n.,clion, II wilt
. dtclHMd by one pllc.nI11~1, If.lh. credll hll. difftttnl procltilng dill, lhlllllht uch.llge 11111 ollhe cIlIdll UII b. g"'lffn.n Ih.n Ih.1 ollh. orlgln.1 r.nlict/on, Th. tUfllflCW convtf~on
fill on the d.y b,lofllh. .,.nttetlon ploellllng d.ll m.y dllllf Ifonllh. IIleln Illet:l 1111,. lime at Ih. IrlnSICllon or on Ih. del. Ih. IfllnecUon is pallid on your Account. YOll Ig'u 10 Icelpl
Ih. c"VI,tlll .""""1 ~ U.5, d".II.
The ell'l C..a.U,tlll" You w~ ilium ,hi C.,d to us .1 our ItqIlIU. Thl C"d I.pilll .1 th. .nd ot the Il'onlh thOWll on It. W. h.n the rlghlllot 10 "n.w Ihl C"d. A! .ny Ilrtlll ellll Illeut
30 dlf' Rollc, to you, or wlthoul nOlle. II PIIRIllld by lew, WI INIY unctllhl Clld and your clIdll rrivllltQlI. U your C.,d Is ufU'eaed or not rlOewed, flnlnc I ch.rgtl end olhtf f'GI witt r.ontlnul
10 b. .......d, PIYo." wilt conllnl.lt to b. dUI, Ind .M olh" .ppnubl. pfovliloni QIlhll AUlItflWll wiN f.mlln kl .Il.ct. You nlfY Clnc.1 YOUI cfedll pllvll.gll by nUIlIw1ng ulln WIlling, IIlurnlnl
ttlt elldllllo UI cui In hell, fnd p.ylng your tilth '1.11lllIfl1 b.l.nct by Ihl rlYR1lf1l dill d.l. on Ihe IUlln"lIIl which Includu your line' pllrchlslS, cuh IdvIOClII, thllgU, .nd 'HS. YOUf clldl
"Iv",,, wit! b. une" .nd no Iddllla".llinlnc. ch"~IS will b. lo1Iolld. I WI clnc.1 Of do nollllllW thl Clld, Of II fOU IIInllnll. yom credll pllvlllges, you n\ll1.'Io longlf w,lllI chicks on you,
Accounl,lnd you thouldd.ttroy Inyunultclchtcktw.h.nluued to you,
,,,..,,.II.',,,,,,tl.ft; Do...fttl. You willglv, Ul .11e.SI 10 dlYs notice II you chlnu, YOIl' nlnlll, hollW or n'lailing .ddf.n, 11I.phone nllmber" 01 joh, You will pm",lly glv. liS lnlorl1lllion IbOUI
your fln.ncl.l.fl.k.1I w. Ilk fOIII.. Wo may g'lauch Infor"'Itlon horn olh.n, including clIdit "lloltiny .g.neln, end plovld. your .ddllU Ind Inlofll'llltlon Ibout YOUf A~qounllo othe'l. W.IfIIY lIto
IfIIII tuch InlouNtlon wilh our .11111'"'. If you 1.11 to lulUd .ny 01 your QbWg.tlol1s under Ihls Agrllmen!. I n.g.tlv. cfldll r'flOrl "flectlng 00 VOUI cledlt record mlly b. sub.wllld to c"dlt repolllng
.glOcl...
CnllMl'ltr IlfVlo.; Unluthlf'"d Un, Loll, Of Th.1I of Che.b .r th. Clfel, Etch Cerd "till b. signed on Itctlpl. You wlll.al.gulld Ih. Clrd, yeul ~81sonll IdenUllclllon nUrOOM Iwhlch provides
.CetU 10 Automettd lIht M,chlnul, .nd .01 Chtchllluld 10 you fromJhell. You will keep your plllonllldlnllflc.llon IIUIOO" Seplllltllrom your Clld, II you dllCOVII 01 1lI1p1e1 llaltha Clld 01
IllY unuttd chIC" "' last I)f Ilolln, or lh.1 hili mlY b. .n unlutho,11I IIInUcllon on YOUf Accounl, you will no lily us pro",Uy by Itf.phonlng 1.800.933.7221. You will phon., IVlfllhough you
n., nollf, UI ~ WfI1~t, to w. "n "llull. ..I ~II" .nd W.blll1l' V'UI Nlbml, IOf unauthOfllld UII oo"",'t b.I... V'U ROIIf, u. 1.linll.d I. 1&0. II ,.U IIllOrt " w. lU.poct uRoulh"I.1lI UII
,,' YOUf Accounl, w. mtY IUlplOd YOUI cledll PIMltgts until w. 1110 V. tll' probl.m 10 Qur "lllllcllon or luuI you, nllw Clfd. If your Clrd It 10Sl or Itol.o, you will p'o~lly d.suoy II checks In
you, pou'''Mn. To ,",IOYl CUlton.f ."vlce,nd ~uflly, yOIl 'Q"8 thlt your calli may bl monllolld or ,.corded.
MII.hl'" RtltlIIM, W. will not b. NlbleII ,ny plflon or AUIOlNlltd hllll Mlchlne "fUIIIIO honor lhe Clld or eCClj)1 your ch.cks, at f.ils 10 flturn the Clld 10 you. W. hav" no ruponslbiliW for
Rood.lnd IIIvle.S pUlchlsed with Ihe C.,d Of ,hl~ks .~cepl IS ,equifld by law, ISee Sp,cI,1 Rule below,) Clrllin b.nellu Ihalllt Ivell,ble wllh the Account III provided by Ihlrd,pllly vlfldolS.
W"" nol f.sponlilllt lor Ihl qUINty, Ivellebillty, Of results ol.ny ollhe I'fvlc.~ you ehoos810 U$8.
It.p P'YJM"t Of,.,I. If you wish 10 SlOP p.ymlm on I ChiCk, you may SfOd us I SlOP payment ordlf by Wlilinlllo us II our Iddress tal cullomer ..rvlet listed on lour bm. You c.n make e .IOP
payment Old" Ofltt by CllIlnlllh. nurmlf listed on you, sl.lllmtnt. Wh.n you IIIoIke . II0p plYOltnl old.f, you nu,t provide your AceDunl nonm" and splclflc Informal on .boUI the chKk: th.l.,ct
lmount, Ihl dltl on lhl check, the nlrne of Ih. plrty 10 whom II wu payable, lhe oafTMI of the pilSon who signed II, .nd thl check nunilll. You will he uk,d 10 conll_rm In or.1 Slap poymlOt Old"
In '11111"'1' w. INy dkU'.glfd your orel ulder II WI do nol IIcelvl . slqnld wrltl8fl ~onlirmlltlon within IwowllIklalltlthe ofjl Older or II you have nlJt Idequallly dtlc'tbrd Iho 11'111 so Ihll plY!1IInl
un b. I opptd by our CO",UIIt, Th. o,dll win nol b. 1".cllv.1I the chetk wu paid by us belolo we had al,uonabl. oPPoflunlty 10 8cl on Ihe order. Wo IDIV, whholllllablllty, dlsr.glld. wrllllfl
,tqp p.ymtnl o,dlt ti. monlhs 1I1tlt ttctlpt unleu ills IInewld In writing,
Sttndltd.f ClfI. 81Clullthls Account Involvnbolh credit clld .nd chock IttnStcllofll which '(I processed Ihrough Sepllllft nalionallysllms belo(8 thellln..cllons lie consolidated by us, Ind beclus,
nollVllY chick .nd e"d alIp will be StoliD ul, lllnsactlons in YOllr Accounl will be pfl)cesse~ mechanically wlthoul our nec.narily reviewing tvtly Item. OUI procenino sYllem wUi till our 11Itntlon
to etfUln IlI1N which w. will...min., Wt wlll.urnn. ,II lrlnllllllnnl when you lepoll Ihal your Clld 01 checks h.v. bltn lost 01 slolrn. We do nollnlend ordinarily 10 eu",,!lIt ill Ill"", Ind W.
wi not b. ntgligtnt II w. do 001 do so, this ru~ IItlbUsh" thl IModlld 01 oldinllY ca" which we In good 1IIIh wlll....rcls.1o .drNnlsltllna YOUf Account. 8Ifclus.,,1 our linllted review, Ind b.ClUI.
ntllhel' your c.nctlled ch.ch nor Clrd Itlllslctlon .Ilps wMI b. llturned to you with thl:! OIonlhly II.lemenl, you thould be cI"IullO lilt" ill checks In you, chICk ltOlsllI or othtfwlU UIp .lIcord
ollhem. You thould .Iso stv. you, mdll cald C.lI1ldv.ncI .nu pUfchase slips. You egr.. 10 check your fOOnlhly SlllllmenU Ig.lnsl YOUf IIco,d Ind 10 nOllly us p'o~lly 01 Iny unlulhorbed tt.nsactloos
orllrOIS.
W.lvtr.f Clftlln RI,hlt, W. mey d.l.y or wIlv.'ololl:emenl 01 Iny pfovlslon ollhls Agllament wllhout loling our rlghl to .nlolca II or Inv oth" pfol/llion 1.111. You wllve: Ihl fight to pllllOtlTlllnl,
demend, ptottst, Of nOli" 01 dlshonofi Iny J~pllc.blt slat!.:le ollimilllllOnl; Ind 10Y fighl you OIay hive to requlre us 10 proceed Iglinsllnvone before wo SilO you,
A,,'lqa~l. lIWi S.v."III1I1Yi AIII!IIm.llt, No mllllI whll' you NVI, Ihll Agtltmenl .nd youI Accounl 1111 gOlllrned by ledll.llaw .nd by New .la~shire law. At aoy lime .fler we d.t"nllnlln
good flilh that .ny plopolld Dr Inact.d Iqlslstlon, Iqulatory ,clloo, or judicl.1 declllon hlllfnderld or may lender .ny materiel plovlslon ollhls Agre.menllnvllid or uoenlorC8.blll, Of I~os. Iny
IIctf.1Id tn, Ilporting reqult'tmtnl, 0' olhll burdtn In coonecllon with .ny such p,ovlslon ot lIS Intorclment, WI may, a'l" .IIIISl 30 day I nollee 10 you, or wllhoul nOllte II Pllllltlld by ,.w, Clnctl
the C.,d Ind louf Cfedlt Pllvlleg.. .nd decl"l YOllr Accounl bll.ncllnmedlallly duelnd p.y.bl.. IIlny provision ollhl.t Agfllemenlls held 10 belnvllid or unenforceable, you Ind w. wUI eoolld" thll
pfovltlan mod fled to conform to .pplle.ble t.w, Ind the flSl of the pfovlslons In Ihl Agreement will still be eololceeble, bul we will hive Ihe right 10 cancel your Accounl Ind decler. your bll,nee
lnmtdlallt, du., II p'ov/dld In lhl pfle.ding "nteoC8. We may Irlnsler 0' lulgn OU, fight 10 III or some 01 rour paymenu. If ~lllelaw requires Ihal you IIcllve oOlice olauch an .v.nt 10 prOllct
IhlPUIChlllf or .sS19nll, WlffilY glvl you sllchnollcl by IllIng Illnancing II.tlrnenl wilh thlslatll's SIClIIIY 01 Slat..
HOtlfltl, Othlr nollc.. 10 you shill b. "flletlvl when deposltld In Ihemail Idd,med 10 you II Ihe add"" shown on ou, 'lICOlds, Iln/lSs I longlr nolice plllod I' specllied In Ihls Agllttmllnl or by IIW,
which plflod shaH SIIIt upon melllng. NoUcllo II! sh.1I b. mlllhtd 10 OUI Iddl"S lor customer sMvlcl on your slalement (or olher Iddl8S1U we may specUy) .nd shill be ellecllve wh.n we receive It.
Vou, IlIIlnt Ilthll " K"p Thl. N.tl" lur futu.. U..
This nOlie, eonlllns Infortlnt lolormation IbOlll YOllr lights and our ruponslbilill.. under the F.I, Clldit Billing Act.
Notify Ut In CII. of ErtQ" or QUlltlonl About Your lilt
II you lhlnk your blllls wlong, 'or II yOIl nud 1M" Inlormatlon about In .ntry on you, bill. writ. us, on I slpllale sheel, at our address 101 customer selvlc. Ihlld on youl bill. Wrltl 10 us IS soon n
posslbll. Wit ITIIlt hllr Irom you no iliff lheo 60 day. Ifill WI 18fl1 you Ihe lint bill on which Ihlerror 01 problem appeared. You cen lelephQne u" bUI doing so will nOI pres.rve your rlghlS.
In YOUI MUll, give us Ihe lonowlng: .. You, nlnvl end Account nurmll. .. The dollli" lmounl 01 the suspected I"or.
.. DllSClibl the InOl and ..pllln, II you CliO why you bllial/f Ihlrl Is 10 e"or. II you n.ed more inlormaltOo, demibe lhe Ilem you are nol lUre aboul.
Your RlQhtllnd Ou, R'~onslbllililS AUer W. Rte.lv. VOllf WIIlIen Notice. WllOOSt Icknowledge ~'~"r lolle, 'IIIllhln 30 dIYS, unl.1S we have torrltled the ello, by Ihen. Wilhio 90 d.ys, wo loostllth"
corllcl the erro, or .~plflln,why we bllllve thl bID WIS conect. AlllI wa lecelve youIlette" w. cannot try to colleCI .ny IlfOOunl you quullon, or IIpOIl you.s dllinquanl. We can continue 10 bill y,nu
lor IhllmoUPI you qUlslion, Including Ilnancl ~h"glS. We cln Ip~ly .ny unplld lmounl Iglinsl your credilllne. YQU do 1101 have 10 pay 10V queslloned In'CIunt while wlllelnvesUg.llng, bUI you
IlIslltlob~lle(llopay Ihe peril of your bill thlt Ire nol inqu8stlon.
II w.llnd Ihat w. medl . rrisllkl on your bill, you will nol have 10 PlY Iny linance charpe rllated to Iny quuUolled emounL II we didn'l make a mSleke, you may haVI 10 pal linaoce chllg.s, lod
you will hav'lo INIk. up Ihe rriued peymenll on th. questlonlld IllOOuol. In eith" CilSO, we will send you. slallmenl ollheafOOuntJou oWllnd Ihe dltllhlllt Is due, If Y9U ail Ui p.y th.emount
wllhink you ow., W. IDly rfilort you IS delinquent. Howevll, II ollr ..pllnation daIS not Illlsly you Ind you Wllte 10 u, within 10 days temng us Ihll you slllI ,,'ulo 10 PlY, WI IOOsl t"llIlyone
we "pall you 10 Ihal ~ou queslion your bill, And, WI roolt 1.11 yuu !he name ollnyooll we repolled you to. W. ntlsl tellanYQoe w. 'Ipon you 10 that the matler has been seWed belwoen us when
It linally II. II we don IloHow these ,ules, w. Cln't colllcl the Ilut $SO olth. queslloned IfOOlint, even II your bill was COllect.
SpIlll.1 Rull 'Of Cr.dll Clld Purch....
If you hive I problem with thll quallly 01 the Qoods or services that you purchued with our credit Clld Ind you have tried In good lalth to COrleet Ihe problem wllh thl mllcham, you may nol hive 10
ply thl rtmllnlng lmounl due on Ih. goods or ItlViCIS. Thefl all lwo limilallons on Ihls right: 1111 you IOOSt hlvlt made Ihe purchase In your home "III. or II nol wlthlo yOIll home Itlt., wllhln 100
""'I 01 your cunent Rlfiling eddrelS; Ind lbl tha pUfcha,e pllce IOOtl have beeo more thao $50, lhe"lirf1illllons do nol apply II we own or oper'lo IhllMrchlnl, or if we mailed you Ihl Idvtf!lsImenl
1"'hoproplfl,,,,,,,lc... RECEIVED
MAR 1 n 199B
MELVYN S MANTZ
~{ ASSOCIATES
&837 Mi,h.~ S, Will m.oov I CC2I.1I0f I C21.00f