HomeMy WebLinkAbout98-02554
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STATE OF CALIFORNIA
COUNTY OF AI,AMEDA
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Catherine Pickhover, etates that she is the Operations Officer
of .providian National Bank and is allthorized to take this affidavit
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that there are no deductions or offset.s of any kind, except as are
on its behalf and that the facts set forth in the foregoing
complaint are true and correct to the best of her information,
knowledge and belief; that there is now due and owing from THOMAS C.
BUTLER the sum of $3.620.49 pIlls interest and attorney fees; and
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therein specified and credited, She further understands that false
statements made herein are sllbject to the penalties of 18 Pa.C.S.
Section 4904, relating to lInsworn falsification to authorities.
Catherine Pickhover, Operations Officer
4428001674902378
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~EI~,2YIDIAN
FI"I O'POlII N.lio..' 0,"1 VISA II " M..'"C"I' ACCOIINT
A~COIl"1 AY'tfment fal ThomAS C. Dulle+'
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YOlII /Nil O'P..it NallolI.1 R..I VISA 01 "'''I"C"d "cou'llIh. "Account'l .11000. ,'" 10 ",.1, plll'h..... h, I,.ioll ,0111 VISA 01 "'''ItIC''d ",. Ilh. 'C"d'l ..1.."",111. h"""d .od " QaI mh
IdvIIIC" "Onl 1.110' IflY i.l1~8f ~.'lIclV.'illg lill~"CIII j"'IlIohOlI. Convenl."ce r.htck.t m,y Also be plovid&d 10 you II '11 ,rldlliollfl w~y 10 IJU Ih, Accouol. III Ihls Agfllllnltlll, "You' .nd .YUil'. '''U"
-.c. p""o 101 wh,,,, 000.'" ,p.o... c"dll c"d A,couot. "'//.." 'ou,,' .ou,," ond 'Ul' no.o Fi,1I O,pOlil Nolion.1 0'01." III '"'11''''', ..II'I.d on YOln billOlIlIl.ItI11ll1I. You "'" nOl b. ~IIIIbl.
,,, '0 Aceo,olll you 01 .nolh., nwO~OI " ,OIn .'Ulth,ld .I,..dy h." , CI..II "couo' wllh FiliI O.pOIII Nalinn'l Olnl. ~".Idl.o Notlllnol 0..1, 01 P",IIII.o C"dll S",I,,,, loc. lh. Accouo' ...,
bo olOd ,n'y 100p.lloo.l. I...ly, hOl".hold. Ind ch"I"bl, P"'I""'. ,,"10'1 101 on, bll,in.., "cOl","/CI.II'"'polO. Ao, UIV ollhil Aceouol.h.1I COOlIIWIt .ce.p"o" ,llh. I"m. nllhl, A''''''''nt
You Ifldw..glt.u lollowl:
I,.el" ft.qulrem...t .f Ih. AClll.lnt: C"dU ".vl.w P,og,.m. In oldtf lu h.p you, Accounllu good Illlndilll' you .g,.. 1101 lQ tlgnlfic.nlly Ifle/lulth. '''lOunl 01 ~GIl' tol.l dlbt on IIns.curlld
"lIQ~lng 'OCOlllUs. W. wilt review '1M Accounl .nll ",dlt prollllt qUIIllfly 10 Ival"'11 the .IOOllnl you ow. tllla iVI 10 Ihl .mount M you' th.n cu",nt income. IW. conljdlt III 101:'"111 In d.bl 01
IlIcH,lh.n 12,000 10 b. ttollmUII!, unl... you hl~lt lullici,nllncllme.l II w. del.mllne lhlt your Accollnl h nol in yood 11.f1dlllg, yOllr AnnulI Pllc.nl.gl Altn fot putchilU, CUllom Cllh, Ind Clsh
.illllllUI may b. IoctllSlld,
P.ymonll, You wiN ""I.. · n~"lhl, "'""~"llhowh'lI ynUl '''"llndi''lI b.lo"". Yo" wlIIl"y Olio II.~. doll." Iclll,k"""1 b. p".bl. II . U.S. 0111" 01 Ih. b.nllh. ch"ll, d"w. onllll'..1
Ih. P'Y"" d"... 'h,w. un y"""11"0,,1 by Ih.p.yno.1 du. d.l. i. "cOld,"" wllh P'y""IIOIlIu"loOl '" y'UI "~"Ihl, "'"1"',,1. You ""y "I Ult yoo, co..."I.o" ch"hlO ""I. P.'....II
0" y'UI Accollol 0110 ""N. P""o,," o. Iny 'Ih.. ICcou'l you h", wllh 01 01 '"' .lIili"... Th, p""'o" duo will bo: 2% ,llh. naw b.I.." .h,w. on YOOl'1.ltnw"l101 2.2% II.. Annul PIICllllOg.
Roto.ppli.d 10 ,OUllCc,unl i. highll Ih.. 21.9%1 phil Ih. llrou"l " on, p..I duo P'Y'~OI, pluslh. """"" by which Ih. n,w b.lon" ..,..d. YOUl ",dllll.., plus I." 101 "".ill .p"..o' ,,,,Ie,,,
flow."" Iho P.,111lI11 dllowlll 001 b.l", Ih." 115 lu.I." YOUl ".w b.l.o,," I." Ih.. 115. i. which '"It 'h. I"y""ol duo will b. Ih""'unl ollh. ".w b.I.""I. '//. """'0111,,, high" oj"hrom
payment II your Accol'"t I. P'11 du. Of .boy! lhe cledU HilI, bul we will notlly yOll belnre dnlng 10. II your jlaymllnl is motl Ihan th. p"vmllnl dUI, it will belll.led It . Ifnglll P'ynMnI .lId nont of
't will bo .ppNId I' lUlu" p'y",," dot. '//. '", ""pI 1.1. 01 pIIII.lp.,""nll, " ",,"onll oll,I.d 'p.id In 11111' " mOll.d wilh "hll '''"iclloOl, wllhollll,..g 'u' ,lQhl " coll"I.1I "",".11 owl.g
l'nd" lhls Ag,lInlIol,
fln.nce Chili'" he.pl II dflcllbed In Ihi OtlCI Pltlod 'or Purch.... mllon 01 thiJ Agrlllrmlfll, finance charYl!! begin IUCCtuo on a debit wh.n IllJ Included in olle 01 your d.lly balances IlId
"nll.oo nnlll h" b.,,,,,o i. "docod bV · p'y"o"l 01 c"dil. y'UI ""uol h.. Ih... b.,.",,,: Ih. PIIlCh... 0.1..". whl,h COlIII," olpUlch.IO' you ""I. wllh YOUl COld; Ih. ~I!1Cllh Ad"n~
IItl"".. which ,,",III. ollln"CU"d CIIdll c..d b.lan""hll y,u 1"01/11 10 ,'UI Ace'"lllllllog biliiiCO,,,.,,.. chICh and b,I',,"'lhat w. 1,,",/11 101 you; and Ih. C. A~~
COiiilffi " .11 OIhll c..h ,,1"0"'. A"y P'Y""O' "0'"11 wo ""I" Ih'l "".d, Iho II"an" chOlg.. Ind I,.. Ih.o dll. willlllSl "dll" lb. "mOlning PUlChOl' 0.1."", and on. I. UlC... .1.11"
1"010, will "du" Ih. "",.inlng C"'IO'" C'.1h Ad"." O.lon", ."d .hon. IIlh. CUllO" COlh Ad..n" 0.1.11" 11'",. will I/dll" Ih. "nllinilly Calh Ad"",, O,'on". Th. Puleh.... CUllom COlh
Ad...", ond C.1h Ad"." 0.1..", ." "du"d by p'y"o.ts .. ollh. d." ""I"d. and by c"dlts I""p. I.. "",..I, 01 I".. 0",11";1. .od """lIonoo," ,h..,esl II ,! Ih. d." p.lI.d. PUlCh...,
lIt Included in your Purch". D.lann II of Ihe d'le madlt.. CUllom cull .d~ances are included In your GU"Ortl Cuh M;,onca Balance as follows: funds eleCllUnltallllflntmlHed to olher lendm 10
"lIllslet b.fances, II ollhe dill IfallSn.lled; chICk I 10 !fIInsle, balance! ItS 01 tho l1ala pfruented If) us. Olhllf cash Idvancu are Included in rour Cuh ^dv..nce B. anu II lollows: cash dd1l8nCII
110m OIhlllln""I.llolliluUon, ""I Ih"ugh AIII,m."d ToIIII', .. " Ih. d." 11l.,,0; ",h .d"o" choch lI1.d. p.y.hl. 10 you Ihat ... id.oUli.. .. ,..hi.I', ,h"ko and moil.d 10 ,ou " "UI "qu..l.
.. ., "'"' d.,. .1101 Ih. dtl. w. p,I'1I on Ih. cb"N; .11 Olhll chock!. " ,llh, d." P"",'''d "Ul. OlhOl .obits 1''''pI I.. I.". "".11";1, II"."". .od oj".II.""", chllll"l III 1"lud.d In you,
Pm,"..., ClIllOIII C.,h Ad".". .. C..h Ad""" 0.1.." .. nl Ih. dot. POII.d Fi"."" 'halll" ." .dd,d 10 YOII, PulCh.... CUllOm C..h Ad"n". ond Cash Ad"n" O.lon", IIch d.y ond 0" Ih."
pOJted on Ihe '.11 lI.y 0' Ihe bjfflnq cycle. Thlte il no pltlod wilhin which CUllom cuh advances or cosh odvances may be repaid wltholll inCutfiny . finance ch.,oe,
T, ",uII Ih. d"ly lIoonco chllllO I.. pu/Ch..... Ih. d.iI, lill'"'' chorg. 101 '"'",, c..h .d"ne... "d lb. d.ily lloon" ,halg. I.. OIhll ,..h ""ne", w, "'f! wllh lOll' p",lou. d.y', Purch",
O.lonco, CUllO" C.1h Ad"." O.lon". ond C..h Ad,,"co 0.1.11", .dd .11 d.blll ond Whl"'1 .11 clldllll" Ih. CUllonl d.y " Ih. .ppllcabl. 0.1.11" I.. ..pl.lo.d I. Ih. P'''gllph .b",lond I1I/lliply
Ih. nil '/OOUn! by Ih. .ppll"hl. d.lly plll,dl' "I. I'" lOllowl., P".gllph.l. Th.II..." 'h"II' I.. purch.... i'llio. .dd.. 10 .od lnelud,d I. Ih.1 d.y'. Purch... Oolon", Ih.lln"" chllg. 101 CUll,",
cuh .d,,,,,..I. Ihon .dd.d 10 ond lnellld.d I. Ih" d.y'. CUllO" C..h Ad""" O.I.llco. IOd Ib.lll1on" ch"g. I.. OIh.. ,..h ,d"ne" I'lh" .dd.d 10 ond locilld.d In Ihot d.y', C..h Ad"." O.lon".
'//. 1"'1 · OI.dll h.lon" I.. ony d., .. "". w. d,,,,,,;., Ih. 101./110"" ch"gOl I.. Ih. billi"g cy,lo b, '.Iding IOgOlh" Ih. II".." chalg. I.. pu/Ch.... 101 ",h d.y wllhln Ih. billl.g cycl., Ih.
1I111n" chllg. I.. CUllOm c..h .d"n", I.. ",h d.y wllhl. Ih. billillll cyclu. .od 'h. llno." ch"g. 101 OIh" ",h "I"ne.. 101 ",h d., wilhl. Ih. billloll ,yclo. 10 caleulatl"lIl1oo"" ch"g.., on
.djull""nt will b. ",.d. 101 ony III.so"I.. .. p.,""n! Ih" wo"Id h... '''OC''d Ih. 110"" ch"9' caleulalio. ill . Pll.. billinn cycl. h.d il b". pOllld I. Ih.1 "cl.. Th. ,ppllcobl. ;.ily porloilic 1111
101 such · 1".so"l.. will b. Ih. 111.1. '''OCI I.. Ih. CUII,OI billillg c,clo ""'" Ih" Ih. "" ill '''OCI '0 lh. dOl. Ollh, l"o...li,o. Th. b.I.." '/OOunll ,h,wlI .. ,0111 II.I"Onllllty dlllll I""
Ih. Porch..., CUlI.m C..h Ad".", ond C..h A."n" 0.1..", II"d io "",oling II..." ChOlgOl. b""" II" Purch.... CUlI,m C..h Ad..o". '"d C..h Ad"oco 0.1"", d, o"loclud. '"y 1.11.
ovet,lirnil, Ot IlWstlllltOeOIU charges which ar, included in lhe halanul ,hown on your stalGment.
To datlloj.. Ih. ..".go d.lI, b.,on" .1i,wlI '" 'OU, SI'''"0nt I" plI/Ch..... ,.d ."h d.y'. PI//Ch.." 0.1.." IlnellldillY d.i1y ""'0" ch"g.' I. Ih. bllli.g clOl. ."d dl,ld. by Ih. OIntll.' d.y. 10
Ih. bllli"g cycl.. T, d".llni". Ih. '''''iI' d.ily b.I"" 'hown o. ,OU, '101"0"1 101 CUll'" co,h .d""",. ,'d ",h d.y', Cnll.m COlh Ad"o" 0.1.." "ochldlog ..11, 111/"" ch"g.ll. Ih. billing
cycl, "d di,id. b, Ih. "I/,nIl.. 01 d." i. Ih, billl.g cvel.. To dOl''';o, Ib, .....go dall, b.lonc.. ,h,wl/ o. y'UI'''''m'oll" cosh .d"ne". .dd ..,h d.y', C..h Ad"o" 0.,."" linel',dlog d.il,
llnonco chllg.) III Ih. billl"g "cl. ond di,id. b, Ih. n"O~II 01 d." in Ih. billil/g ",I.. You co. 111I,1111,1, ",h 01 Ih", "".g, ""I, b.l.o", by Ih. .ul1'lJ.. 01 da" i. Ih. bllllog 'ycl. ."d b, Ih. .ppllcobl.
daily pefiodic talo 10 oblain sublotab, and than add Ih. thtee subt~lals IOoelhllt to Uelelfnine the 10lalamOllflt of vour finance charges lot Ihe bllllne eyela.
Th, tit'" "Pliffill Rate" U Ilsed In this A/rumenl me..,lnS Ihe highest prime r",. ~ublilhed ill The Wall S'"ot Joulflal on lhe lilU bUlinm dlly of Ih. previoul calendal month. Any incrllUe 0' decrease
I. · ",I.bl. A."utl P""o"g. A." wll IIN. .lIocI .. Ih. 11111 d.. 01 YOUl Milo, cy,l. .IId m., llsull i. . ,lIghl i.".." " d""... I. Ih. '/001/.1 01 ,01" oj"I""1II P'Y""nI.
Th. ANNUAl PERCENTAOE RATE I"APR"I 101 purch"" I' 0% ,.. 'h. 1IIlI'h,,, /OOnlhl, billing cy,les Ih'l ,'UI aceOUnl i. 'p'o. Thl. ,,"espond, 10 "initl.1 d.lly plli,dl, "" 101 purch.". 01
0%. All" Ih, inttoduCIOIY period, you, APR for rurchases will b, dlletnlined u lollows: You cen arranga 10 have a variahle lall lor putchu8I which is lower than Ihu lowen nQn.inlroduclory AnnulIl
Percent.gl Alii rAPR"' you aff:! plvlng on any 0 YOUf olhlr CfBdil ca'd 'CcollnlS. This APR is available only II you plovide ~rool, In th. lo,m 01 . cOPl 01 your mosl fecenl billing sl.t,menU, ShOWing
you, Olh" non.inUoductory APR. Your new APn will lake elf.el in Ihe bllllA! cycle lollowing our review 01 your plOol, Un III YOUt new APR l.kes ., ectaf II we do nOI flcelve prool 01 you' lower
APR. yo"t APR lot pUfchal1l will be as lollows: The ANNUAL PERCENTAQ RATE l"APA"1 for putchases will vlIrJ /fnd may be ad;l/lled lIeh billing cyel. up 10 7.65% abovl Prime Atll, but will in
no evei'll belen than 15.90%. Uling this fotmula, Ihl APR fo, pUfchues In Ihe NovllmtJ" 1996 blUing cycll woul halle bIen 15,90%, cOfr'wonding 10 "daily periodic lall 010.04356%,
Tho ANNUAL PERCENTAOE RATE rAPR"II" CUllom c..h ""0",1. 0% I.. Ih.lillllh", /OOnthly billlog cycl.. Ih.1 ,OUl "cou.1 i. 'pon. Thl, c"",polld,10 In 1.11/,1 d.ily p"i,dlc "" I" CUllom
COlh .d"n". " 0%. AI", Ih. I"I"duct", Plliod, YOUl AIR 101 CIIIl,,, clSh .d".", will b. "'''IO',,,d .. I,lIowl: You "0 OIIang. " h", . ",I.bl. APR Ih" I, I'w/l Ihan Ih. ..II.!. Mn.
In",dllct"y APR you h... b..o p.yi.g on Ih. total b.lon", 'ou h." "'OII""d I"" olhtl CIIdil ",d oc,"unt. plO,idod VOIII "hOl "coulIll w." op", i. N,..I1'IJII 1990. 10 "ICIIIO/ing Ih, APR
w. wllll.l.lnto ""unllh. APA. on Ih. c"dlt ",d b.,."", ,Oil h... ,,,..I""d '''m OIhtll",doll. Thl. APR I. ",iI.III. 001, II you plO,ld. p"ol. I. Ih. I"m 01 topl.. " you, """ '"'''' billl.g
"'''00'". 'howl.g you, 'Ihtl .0..i.1I0,uct"y APR" and will tak, .11." I. Ih. billi.g cycl. "111 you p"Yid'PIOOI. H,w...,. Ihi, chonll' Will not "I. '''OCI b.I'If Ih. conclUllon ollh. I"",dll"",
pOllod. II w. d,.OI ""I.. lOch p'onl '"'' APR 101 CUllom c..h .d...", will h. .. 10110001: Th. ANNUAl PIRCENTAOE RATlI"APO"J ,,, CII"'m "'h .d".,", I, 21.90%. '''"",ondi.o In a
d.lly pIII,dlc If" 01 g.90UOO%.
Th. ANNUAL PERCENTAOE RATEI"APR"II" c..h .d"o".I. 21.90%. "'",pon''''g I' . d.ily ptli,dic "" 0' 0.06000%.
II you d. not co,,~ly wllh Iii. III"" " Ihl, Ag"OI,"ol YOUl AII.utl PIIContag. R,'oIAPRI 101 po/Ch..., will bo 18.g0%. cOl",pondiollO. d,lIy ptllodic "" " 0.05179%: and Ih. APR I" ",Ii
.dvlnc,s lod cuslom cad, .dvances will be 23.90%, corresponding tll a daily pllf/odir. tale 01 0,06548%.
Oro.. Ptll.d III Purch..,.. N.w purch.... p""d 10 your A'''"I1II. billiog cycl.. whan Ih. p",ioUl b,I"" .... .01.. " whan Ih. p",lou. b.I.." w" IUlly p.ld during Ih. ,y,I., d, not b'go,
" Incu, · lioon" ch"g. 1I.liIlh. .ta'l " Ih. .ISI blllin, <v,I.. You can mid any lina." ch"I' on 'uch now pu/Ch.... II y,u P'y Ih. 101./ o'w b.I.." in lull by Ih. p.y...nl dOl dOl. ,h,wn on
your 1I01""'.t. N.w pu/Ch.." pOIl.d I. an, OIhtl billlo, cvel. incUl . lillon" 'halg. Ilon'lh. d". Ih. plllch... w.. ",.d. and """ I. no pIII,d in whl,h .lIch pllleh.... moy b. 'op,~ wlthoull.culIl.g
I linanee chatgt. There Is no period in which CUslom cash advancflS Of olher cash advances maV be ,epald wltholll incumng a finance charge.
F.... '//. will chtlg. your Aceouol up 10 118 I,,: ."h CtI. you uk UI lu "pl.,,; ",h IfIUIO.d p.,monl ch"I; ..ch chock ,011 w,i" ." ,ou, Accountlli.1 w. "Will u"p.ld; ..ch "'p P'Y""" "d..
" "oow.! 01 such on lid,,; ."h bllh., cy,l. wllh", which YOUl Ac"".II, d'lioouontll." chllg.l; ond lOch bllliog 'ycl. wl'hl" whi,h ,'u, h.lan" """I' YOII' CllIllt Ii... II you "1I"1S1 copl.. 01
bHljng 1I'ItfOOnU Ih.! Wefl firsl lent 10 you mor! than Ihteo months Barllet, we may charge II h.ndling fee of '2 for ellch !uch copy.
0.,..11. You will b. I" d.I",I!: II YOII WII. 110' .llglbl. 101 Ih, Accollnl II Ih. 11.0 il 0011 'pan.d: II you I,i11O "o"ly wilh any P'" " Ihll AII".",.I: II "'y i.I,,",,lIoo you II'" us p"", 10 b.
IncOrJ1llel. Ot 1.lse; upon you, death, bankruptcy. Of inSOlvency; if you fail 10 pay olher debls whln due; II a bankruptcr pelllion Is liled by 01 lIgalnll VOU; Of If we believe 10 goo~ failh lh.l you may \
'.'p.y 01 pOlI"m YOUlObh,.lIo" undll IlIi, Ag".mo.l. On ,OUl dol'ull w.lIlt,. wllhoullllllhll ""',oil "",/i,,, ca"" YOl" "'dilp,I,iI.g... docl," y'lII AccOUIII b.I."" l.....dill.I, dUlllld p."b'., .
.n,d jnvoh 'flY tlmedl WI may havo. fn Ihe Ilvonl '" yoUt doflull, Ihe outstanding balance on YOof Account ~hiJll continuo 10 acelue inl"esl allhe APR!sl di.tclosed in Ih. flnlnce Chit'" Ilctlon 01
lhlS Aglloment. Iv.n f we have Stled VOb to collecl Ihe llmount YOll owe,
Crodllllnt. You, "..II'IIn' I. 'p"I/lod I"m /illl' 10 /ioo io . "P'''I, 0'''". W. In" ill""" 01 d.""" ,OUl '''di'Ii". bmd '0 illl"mo,lon w. ,bl.iOld 11'01 ,.u " y"" ,,,dll ""'d.. y""
"'ilobl. c"dlll, ",,,,,lIy Ih. dill.II." h",w", ""' CI.dlllloo and 'OU, A"ollnt h.l.llco ""'huhlln 1"0"'"00' In"I. " "'Ih"i..d bill nol ,'1 p,.."dl. fOl cellll. ,..II .d'''''I!, ''''''"1. CI.dll
lMy be Ius. You will not use your Aceol/nt lor, ami we Olay reltltlt 10 honor, an~ Ir/fnsaClion which wOl'ld C"tUII you 10 I!(c~ed you/lIvailable credil.
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"llftl.. t. ,.~, VOU P'OirWIII 10 P'Y liS when Ilue III amounts bllftowe~ whlln VOU 0/ someone elte Illlt your A~I;OlHll 11lYllfl if lhe ~rnounl ch.tr~.d ,mte1h yOUf pernWilllll, illl olhll If_nl,!;I!o", .nd
ch.",. 10 yOIll ACCOlllll, ~Ild l:ol'.cllon cotlt wi illeul iucludllll}. bUI nOIIIl~lltd 10, IftllSlIllllbhll1lhlUlllv'sllun IInd CIIU" coUto (II YOIl Win Ihll sUII, we wlllllaY rum IllatOfll1hllt dUo,,,t,'lllt.s loll tOll"
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Chlftl'" W. lllIy chlll'il' .ny Pill ollllil ^Q'lfnlltlll 01 .dd at IImM' f.qulttHlenu dl" nullc, as IIllulfrd hy law. 11 WI chan911lhe fin.nee ChlfYu "Clion of this Au,um."I, Ill" nlW fln.lle. chllU*
ukul.llon w~ .pply 10 you, whlll. "mlunl bal'lIe,lrom 'h, ,UechvI do', ulthe chanUI, wtullh.t or nollhl bl'll1cllI1dudu Ulml pOII.d 10 your ACCOUIII blllarl Ihlt challg. dtl' Ind wh"htf or IIQt
YOIll:OlllinUllo UI" Ih. Accol!lll.
fonl," "ohln",CIlUlnQV Conv.nlun, 1110U U18 111ur Card Illr tlllruac!iuru In n cu".ncy oth"r Ihan U.S. doltan. thl lrllomllons will b. con~l,rlld 10 U,S. dollm. g.nlt.lIy ullng .lIh., . lil
loV,lIImtnH'ltallG.ltd fit. I)' lill whlllll.l" IIII1_k'I 1I1.lllltlfIlCllh. day b,llll. th, II.II1I1CIIIlIl procmillQ dotll. Illcrustld b~ OM IllIrunlll"'l. It. mdllll_sublllllUllnllY glv.n"jl J trans,cllon, It WI"
~. d",.~"d by on. PIIUIIIll%l. II Ih. Ctldll hll I dlll'flnl ~rllc.uln9 114111. llllllllh, tUCh<11l90 ralt of Ihll C'lIdit call b, ~1"llIllul Ih4nlhlt ollhl olllln.llllnllclloo. Th'~U"'I1CY convfflkJn
fit. Oil th, d.y b.lo.. Ih,ll.nllctlon plOtllllllQ d.l.mav dill" !rom Ihe 1111 illell,cl .llhlllllue III Ihe trallJaction or on Ih. d.tllth. Irllu"cllOn 1'1 pos.d qn your ~ccounl. You aUr., 10 .cupl
lh. eonV"I.d .1I1OwH III U.S. anllm,
Thl e".; C.null.tjon, You will r'lurn Ih. C"d 10 us .1 our requlll. Th. Card n.pillt 'llhe end 01, Iht month ,hown 011 It. W. have thl flghl not to ren.w Ihl Cltd. Al Iny lime .It"r .1 IlIst
30 d.y_ nolin 10 you,I" Wilhl)UI nolle. il p'llrill~d by hlW, Wtl Ill'Y cancellh._ Card .nd your r.fedil prlvllegu II YOUf Cafd Is cancelled or not lInewed, IInlnce chlrgn .nd olher I.e. will cnnllnu.
10 b~ .......d. p'vmtOU will conllnu. 10 bll dUll. .nd all olher appllcllhhl proviSions ollhil AgfBlmllnl will tlmain In eller.1. You may nncel your crIdll pflvileyn by nOlllylng us In writing, llturnln!
1111 ClldllllO UI CUI kl hIli, and p.ylng YOUI .nlllll SIAI_em.nl bal.nee by Ihlll/Ivmllll dUff dal' on Ihe slalenllnl which includes your Iktl11 purchuu, Cllh~d'l.ncu, chllges. .nd lilt, II W. C'""
Of do nol fln.~ Ih. Clld, 01 II you IlIn.nllt your cr.du p,ivll.g.s, you may no longer WllliI chIcks on your ACCOUIII, ,lnd you shOuld dUlfoy .ny unuSld ch.cks WI hll~' luu.d 10 you.
,.",".11A'arm.tlon: Docum.nt.. You will give ut .llflSI to days nollce II you change 'four name. home or mailing ddd'Btt. 1.lephoM I1Ulrom, e~loynllnl 01 Income. You will profl'4llly ,iv. UI
InlorOl8llon .boUI yllu, Iln.nclll all.in if w. uk lor il. W. may g'I tuch inlQtmllliun hOI1J olhell. including credit reporllng ilgencllS. and provldl your addtus .nd lnlnrmallon .bout vout Account to
Olh.lI. W. mlY .lln !haf' such illlOlmeUolI wllh our .lIlli'II:l. II YOIl fall 10 IIIUilI any 01 your obligatiolls lindellhl~ Agllemenl, a n.galivl credit IIPOllll1l8cllng on YOllr mdil rlcold may b. lubmillld
10 c"dllllpo'llng .o.ntlet,
CUI,oml' I.,vlc.: Un,ulhorllld UII, loti, or Th.ft of Ch.oh or the Cud. eltch Clrd mllll be lign.d on r8cnlpl. You will "I.gulrd Ih, Card. y01l1 plfson.lldenllllcalion nUrMlr (whlc~~'ovldn
.CCI" 10 AUlomllld Tliler Mllcfllllfsl. Ind any r.heck. luuod 10 you I,om Ihlllt. You Will koep your pertonal idenllfication numbe, lIparlllt horn your Card. II 'ou dlJcovlt Ot tUtPlct Ihlllhe Clld or
."V unu..d ch.cks Ir' 1011 0' tlol.n. or Ih.I Ihllt. may be an ullaulhomed Ifllnsdclion on your Accounl. you will nOllly us pfOfT'4llly bV lelephoning 1.800.933. 221. You will phon.. ,ven Ihough you
may nOlily Ut in wrlllng, to WI can atl IUI 10 Ilntllouu and liabllltl' Youlliabllily lot unaulhoriled U18 occulling belof8 yDU nOllfv us is limited ID 150. If you repon 0' WI susp.ct un,ulhotllld ute
01 youI Atcounl. w. m.y IUlp.nd VOlll cfldil prl~iI,yu un III we fno ve Ihe ptoblem 10 our salitlulion or iuue you II nlw Cald. II your Cilfd is 1011 or Ilolen, you will plOlf1llly desl/oy all chicks in
youl pouesoon. To imp,owlI cutlnmer terwlco 'nd security. you ..qtllt Ihal your callt may hI) monitored or Iltcorllod.
MtrCll.llt R.II"on.. We will not bell.bllt iI Iny perton or AUlomalud Tell" Machine relules 10 hllnOl Ihe Cald 01 accept your checks. or lai" 10 filUm the Card 10 you. WI ha'l' no ruponslbililV lor
Qood. Ind "rvitlt put~ha.~.d with the C.1rd 01 check I ..cap I as requi'tld by law_ lSee Speclnl Rule below.1 Cellnin benillits IhalllA ~vailable wllh Ihl Accounl a,e llro'lided by Ihird,pl"ty vendou.
W. .11 nol r.sponsible lor Inl quality, IIwIII,bilily, 0' ruulu 01 any of Ihe setvices you choole 10 use.
Itop Paym.nt Ord.r.. II ynu With 10 $IOP pa,rr~ml on I check, you may sflnd us I Itop paymenl Older by writing 10 UI ill our addllts 101 cuSlomer u,vic. Ilst9d on louf bill. You un makl a tlOp
paymtnt Oldtl ot.lly byulUng Ih. nun~t( IiSI.d nn your slalllllCnl. When vou make a SlOp paymenl order. VOU rrtull provide YOlll Accounl nurme, IInd tplcillc inlormal on .boullh. chick: Ihe luel
.mou"" Ih~ dll' on lhe ch.ck. Ihl name ollh. pl/ly 10 whom il wat plIyable, thl name ollha peunn who signld il. and the check nurr"". You will be "kid 10 conli,rm an 0181 SlOp paymenl ord.r
In ,Wtlll"j' W. mev dlsrllglld your oral ofdar II w. dD nOI reuivI . signed wtillen conlirmalion wllhin IwO weeks aher Ihe o,al aIde, or II you h.'Io nol ad~qull.ly d'fRlb.d t!trjtem so thai plymenl
c.n b. I opp.d by OUt r.O",Ultl. Th. ofder will nol b. efl.ctivIII Ihe check wu paid by us belll" we had a flluonable opportunity 10 acl on Ihe ordar. W(IfIlIV, whfl;tJJtliobIW:" disr'gard e wrillen
.10p p.ymanl ord" tll /J1(Inlhs ,'tel ftclipl unless ills renewed in wriling. ',. ':.~'t -\
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Illnd.f1' of C,ft. BllC'UJe Ihis Accnunl invol~" ~oth cr. .dil card and c. heck lIanSaclionl which ale plocmed Ihrough teparale naliollal Iyslamt beloflt lhe 1IIIl!IC I~. nt ar.~'~n SOlldlfi'd~'US' and b.cause
nol ''IIIY ch,ck .nd Clld Ilip will be Ullllo us, Iranncllonl in your Accounl will be proceued mechanically wilhoul our llel:eUllrlly Ilvlewing every illm. rOur pro&lulnQ 'sytlltm wi If our .II.nllon
to cllIlIin h.m.. whil;h we will eumine. WI! will an~ne alll/antlcllnnl whan yOll lepor! Illal your Clld or chltch have been 1031 or tlolen. We do 001 inlflld 'ordinarilY' 19 I..rrira it.m" ilnd w.
will nol b. neoligenl il we du nol do so. Thil wlo ntdbh3he-' Ihe tlandard 01 oldillalY cafO whll;h we in good lallh willeAurcise in adn~nitlering your ACCOUOI, Becautlt III ivr Ilmll.d ,~. ,.nd b,caute
n.Uhilqour cancllled checks nor Card tranJaCllOIl slipI will be /Illumed 10 you with Ihe monthly slalomefl!. you should bQ cmll/lln Bol81 all chiCks in YOilf.th,ick rogltler or olh.'rw 'Jl~"P a recold
olth~m. You Jhould allo tllve YOUf cfldil cald ca,h advaocll and purchace 11Ipt. You ayrea 10 check Yllur monlhly Ilaliln18nlt againll YOllr record and to nOlify u~p'o",lly o~~ unauthelt-/IUntaCllons
OllffOrt. '.', ( ...... :,".rl1
Wllv.r of Clrt.ln Rlghls. We_ may delay 01 waive ~f'llorcem.nl 01 any ~rovislon 01 Ihit Agleenlllnl Wilhoulloling au' rlghllo enlo/ce II or any olher p,ovhion 111,/YolI waii:' Ihe r~ to prnlntment,
d.mand, prOltsl. Ot nolll;! 01 dl,honor; any IIppllcahla IIaMe 01 hmilallons; and any righl you way hava 10 feQuile ut 10 proceed agalnll anvone belore w. wa ~,... r....') ".;11.
ArPllatbl. LIW; Slv.nblUty; AlIlgnm.nt. No mallef where you livo. Ihis Agrtemenl and your Accovnl ale governed by lederallaw and bV Naw ~Iampthire law.~-1'\e Agreemenl js~linal ,.prestlon
o Ih6 .gr.emenl belween YOII IInd UI and may nOI be conlradicled by avidencll 01 any alleged oral agfeemllnt AI allY lime alter we delermin. in good lallh Ihal an~ proposed Of enaclld legi,I'lion.
regulalory aClion, or judiciill decision has flndefld or may rentlel any ",alerial plowislon 01lhl3 Agl~efllenl invalid 0' uf!:llllorcllilblll. or impo31 any incraalad Iu, "porllng IIquif8menl. or oth.r butd.n in
I connlCtion wilh any ,uch plovltion 01 lit enlDrcIITlllIlI. we maV. alllr 811,811 3D day~ nolice 10 you. or Wilhoul nOlice if perrnitled by law, canc.llhe Cald and your clldil prlvlIegn and d8clafllollr
Accounl bal.ncelrMllldill.ly dua and pllvable. II aliI pmviSlon ollhis Ag"emenl is held 10 bl! invalid 01 unenlafCei/blll. you and we will considlf Ihal plovis!on modified 10 conform II} .pplk:abl. aw,
.nd the rnl of Ih, proviSion'ln Ih. AgteelfMllll will Sill be .nfolcubll. but w. will have Ihl righllo cancel vou, Acr,ount and declm your balllncelmmedilllely du.. It provided In Ihl pr'Cldlngsent.ne..
W. may ".ntler or usign our righl 10 ell 0' tome 01 Vou, payments. II Ilat. law IIquires Ihat you receive no lice 01 luch an e~'f\' 10 prOlee! the purch.set Of usllJne., WI may glVl you luch nollce
by filing a Iin.nl;lng !III.menl wllh Ihe tl811'S SeCIIllry 01 Sial..
NeUe... Olhll noticn 10 you th.ll be ell.clive when d'poslted in Ih, mlil addtused to VOll allh'_ addreu thOW11 on ou, recordt, unless illangut no lice petiod Is Ipeclfl.d in thit Agulemenl or by law.
which p.tlod !hall tllll upon mailing. NOllce 10 lIS shall b. lnalled 10 our addrlss lOf cutlomer S"fvlce on your .mtamanl lor olher addlus" we may tpo~ily} aud th.11 b, ellecliv. wh.n WI,eC,IVl il.
Your Billing Rlghls .. _liP This Notlc. for Futll,. U..
This nolio. cont.ins i",orlllnt infom~lion IboUI your lights and our ruponsibilill81 undlr Ihe Fait Credit BlIling Acl.
NOllfy Us In CIS' of Etfon or Questions AbDUl Your Bill
If you Ihlnk you' bill IS wrrlllg, 01 it you need morl! inlG/malion aboul an .nlry on VOUI bill. wrlle us. on a separalij .,hell. at aUf addlllU lot cuJ!ome, lervlcellsled on your bill. Writlt 10 us IS loon u
poulbl., We IOOSI hear from you no loll" Ihan 60 daYI illle, we SInl YOll !he lir1l bill on which Ihe i1liOr or ploblefll appemd. You Citn lelllphona ut. bUI doing to will nOI prlterva your rlghU.
In your I.ttlr. yivlut th. following: .. Your name and Accounl numblf, .. The dollar amounl 01 Ih.suspected alfor.
.. OeSCflblt the elfor and e.plaln, II you can why you believe !hlll rt an '''Ot. II you 1l11.d moll inlormalion. d.SCfibe Ihl il.m Yllu .11 not SUII aboul.
Your Rrghlland Our Rllpontibihliu Ahllf Wa Receive Yout Wrlllen Noliu, We Illul acknowledge your 'eW" wlthill 30 dayt, ullless W8 h8v. cou,cl&d Ihe.lfor by thin. Within 90 days, w. IOOI! Ilth.r
totttellhl IUOI Or ..plain why we believe Ihl bill wat cotrecL Aller WI rec.lve yOUt lelllr, WII cannolllv 10 collecl any amounl you question. or reporl you as delinqulnt. W. cln conlloullO bill YOIl
lor Ih~ .mounl you quulion. Including lin,nl;1 chargu. We can apply ltny unpaid ltmounl against YOUI Clldit line. You do nol haw. III pay Iny queslioned armunl whll. w. III invnligallng. bUI you
.It slWI obligtt.d 10 P'V the PIIU 01 your bill thlll'" not in queslion.
II Wlt Hnd Ih.t we mad. a nVtlakll on your bill. you will n{lt have 10 pay any llnancel;hatqe ralaled 1:1 any quuliolled amount. If we didn't make 8 flWtlllke. you mllV have 10 Dav Ilnlnc. charges. and
you w.m h.ve 10 mike up Ihe mssed paymenlt on Ihe questioned I1lOOufll. In ellher cue, we will send 'IOU a slal.menl 01 Ihe anl/lunt 10U owe and Ihe date Ihalll it due. II Vou laillo ply Ih. .mount
w.lhlOk you owe, w. may r.pon vou as dBlrnqu.nl. However, if ou, ..plana lion does not salisly you and YOl, wrile 10 us wllhln 10 day I lelling us Ihal10u slill rellls, to p'v. we must I'll .nVonl
w..tl'~ort YOIIIO Ihal you qu,slion your bill. And, we musl lell you Ihe name 01 anynne we IIported YOllIO. We rrltul tall anvone WI rapott you 10 Ihal Ihe malll! has bttln s.ltI.d balwlln us wh.n
It Iln.llv is. II we dOIl't follow Ihue rulu. we tan'l collecl Iha lirst $50 ollhe qUlJlllltlltd amounl. even il yout hill was correct.
. . Sp.GI.1 Aule 10' Crldit Clfd Purchll"
II you hn. '. ~Ioblem wllh Ihe qualllyof Ihe goods 01 services lhal you _purchated wllh OUf cfedil r.llrd and you have !fled in good Idllh 10 COllocl Ih. problem wilh Ihl merchanl. you may nol havl to
P'Y 'he flll1Ilnrng amou~! due 011 Ihe goodt Of JBI~lctls. ThBfo ale Iwo llmililllons 011 Ihil Ilghl: lal you musl have madelhe pUlChue in yoU! homo U6!,. Of II nOI wIthin your home Slllll. wilhln 100
m1IU 01 your cumnl m~lllng 8ddreu; and (hllha purchue pllce rl1lllt hllve bnan rMII Ihan '50. r~ese lirNllIlionl do nol applv II wa own OIOptlrlllllh. nllllchant, Dt II w. malled YOUlhl advertis.men'
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