HomeMy WebLinkAbout98-02555
'- " \
fr; r.,:
.'\.; c-
I."
11'11:;-' ..
..:1 ,
0' , ,
[,c,
,I:,;:! ,-,~ ..
L. 0..
CI;.
I"
l' ,.:'"
I" I
,
Lc I,~ > -
. ,
I . . ,
1.1-. ." ~
U (;"] ;~)
I;; , C)
.,
~ r ., \'.,f.
(\;) (J ''I)
~ '~
.J
,IJ
'~
(,"'<
\-f)
r<:' "
....(~
'" ~-:::
'V)
;.~
'''~ ,:;::;,.
~d~
.~
~
A:::.
-0
-
1;'1["1"-'['/
.. \lFli
MAR 2 7 1998
1\ /'1 [" "
, ,I. "UPIJOIH
\""'.
\li~PRovIDI^N
- (/1/01/1."/(11
rlll~ldi.!1 NationllRank VISA" or Mut.,C.,d1' ACCOUNT
Accounl AglllenlOnllnl Challa.' ~- MOIOI
YOY' PfOvldl.n Nllional Oink VISA or MUI.,C"d acclljml 'the ~Accounn .III1W,i YOUID mahe pure/lll1ol by ullng YOU! VISA III MUIIIClIrd card 11ho "C"d"l wlwllmlf It It Ilono"d .nd 10 ~.t cuh 'llnllce.
from u. 01 Illy Olhlf pttUcJp.lllIg Ilnlllcl.,lnl1UuUofl. CC.:ilnlenca chech mer a/.to bo pro~ided 10 you It an addlllonal wey 10 ule lhe Account 'nthll Agreemonl, "you" .nd "your" me'f1laeh Illlllon
I.,r whom w. havl opined I c,fffl1uld ACCOUtH. "We, "om: .0Uf~." and "UI mean Prllvidlan Nltllnnalllauk, 01 Iu aulgrlllU, ..llslet! 011 YOUI hillln! lIatlmanl. Ynll mlly 001 h. eligible 101 IIn AccOUIII
II YOIi Or IIIOlhll 1000011 of you, houuflold .Illt.dy have. Cllllhl 8CCllunl wllh flul (lllputil N.llOnal Hank, Pmvldion N.tlon.lflank. Ot P,ovidilll elll il S't~11U' Inc. fhll ACCOUllllJ'IIY he u,ad ooly 101
PIfIOO.', '.mly, houllhold, ~nd chllll.bll, purpose.. and nollor anv Iuuinllu or COlllflIftICllIIUJlIIO!lI. Any UIO Ilf Ihlt AccoU!lI shall Coo"IIUI9 .ccfl1lauu 0 Iho Ilrlllt ollhb Ayrlllllllltlll You .nd WI
'Q'HltloKows:
"ICI.'II.~u'r.m.nt 01 thl ACllDunt: Cr,dlt R.vl.w Progr.m, In ordm 10 kllep Yllm Acc\lunl in gOlld standiny, you agrae nollo siynW,;antly hlCIIlIIO Ihe IIIWJunt 01 your 101., d.bl on UflIICU"d
fevolving ICCOlllIU, W. will r,vl.w VOllr Accounl .nd cfodit prolile Ilua1larly 10 IVllfuall Ihllllnlounl you OWl f1tlalivl 10 tho 'lIM1unl 01 YOU! lIum curtenllncomll, IW. clllulder .n 11Icr"$1t In dlbl 0'
roolllh.A *2,000 10 bl slonlllcanl. 1I0lets vou h.vo sul/iclenl illcome.1 II Wo delermioo thllt yout Accounl is nollo goorl slandrno. your AnnulIl PllrCllnlaQIt RaIDs 101 pUlr.huflt. r.tIslolII uth, 80d cull
1d'l'OUI m.v be IlIclluert.
Pftymlnl., You will !lCllve a moolhly sl.lellMlnl ,howlng your oUlslanding balanc., Ym, will pay us in U.S, doll81S (chackl nknt bOllllYllblo al It U,S. lll!ir,1l 01 Iho b.tnk IIU! chll/:k Is drllwn 0111 .1 leUI
Ihl payrnenl dUI IS .I!Own on youI llallnlOnlby Ihe paymonl dllo dale in ICcordallce with PIlYloont inUfUctlllf1S on your monlhly II.lemonl, You IIloty lIotuS/I YOllt convenl.net check, 10 n"ke p.ymenU
on vour AccOUlI1 01 III n'llke paVlMnh OIl.OY olh.r Iccounl you hUll wl1h U! or our ."ilillll!. Thll piymefll dUll will bo: 2% 01 Ihe new balance ,hown on your llitlamenllor 2,2% illln Annuli P.runl'Qo
R.II .ppNed 10 your '''coufltl~ high., thin 2l.9%l plus Ihe amouol of aoy put dUll p.ymenl, plullha Ifnounl bV which Ihe new b.lllnclI "clltd! YOUI clldilllne, plus Ilu lor cerlain opllollllllervicu.
HOW'VII, Ihe p"ymeol dlle will nol be 1m than $16 lun/us your oew balllllcellloSJ than $16, in which C/lS" Ihe pllynlOnl due will he Ihlllmounl ollhe new b.lancll. We mlly t.qulle . higher l~olmullI
p.ynNnllf YOUI Accounlls PISI due 01 above Ihe ct.dit IInl, bul we will nollly you befolo doing so, II YOIII p,vnMlnl is morl Ih.o Iho pllymenl dUll. II will hllllutlld lIS II !mula llivmelll.nd (lone 0'
It will b. appllld 10 IuIUII fl.vmeou due. We may accepllatl 01 palll.1 pavments. Dr pnvmenu IIlotlked ~p.id fnlull" or malked wilh olher reSlllclll1l1s. withoulloslnll our rlghl 10 collecl JlllllllOunU I1wlog
uodlf this Agflllrnent.
fln.ncl Cft"I'" E.cepllS desctibld In Iho OIlC' P"lod for Purllh.RII soclion 0' Ihls Agreemenl, linance chll,ges bogin 10 .ccrue on a debit when Ills Includ.d ill ono 01 yOut dllilV b.lancos aod
conlioue unlll hili b,'.oce Is reduced bV a paymenl 01 credit You, IIccount has throe balances: Ihll Putr,hue Balance, which ~lIll!isls 01 purchasel vou mllke wllh your Cltd; Iho CUllom Cuh Advm
1.11 ,whl'h 000.1.1. ., 1I0se'"1Od CfBdll ,..d b.IIO'" ,h., Y.III1OII.I.. I. Y'"1 ACCOIIIllIIIIII" b,l.nco "'011.. clIft", ,"d h,I,"".lh81 w. 1"""" Inr V.II; ,"d Ih. Cllh Ad"",, 8"",,; which
cons s s of all other cuh .dvaoces. Aoy paymenl amount weleclllve Ihal meeds thelinlloclI coarges and fe8llhefl due will filSllllduCII Ihe remaining PurClllUO 8alaAco, andlliih, It th. PUlchue all/nr.a
is lifO, will feduCI thllemaining Cuslom Cuh Advance Oellnce, and Ihlln, If the Cuslom Cuh Adyance 8a'8nce is lll/O, will udueo tho rOlllainln9 Cuh Advance RaIl/lee, The Pu,chlSe, CUltom Cuh
Adv.nce. .nd Cash Advance Belances 11ft roduced bV paYlllOnts IS of Ihe dllle received. and by crediU le~cepl lor rev"r.'81J ollalll. oYIII.limil, and mur:ellallaoul chlfOosJ u of 1118 date pluled. PUlchue.,
Ire 1",.Iuded In your Purche58 Blllaoco II ollhe dalo ma(le. CUllom cuh adYllnces a,e Included in tour CU.nom Cllh Advallcll Baiance IS lollows: funds qleclrOnlcalll Irans~lIl1d to othor lendllu 10
l'losllr balences, IS 01 the dalllrallSnllted; coecks to I,ansfer balances as 01 Ihe IIIIU plosenllld III us. Olher cllth advances arlllnclllded in rour Cash Advanco 8a anclI u follows: cuh .dvallces
from olhlt Iln.ncl.1 illSlilUliolls and th,ough AUlomaled Telleu, II of Ihe dalo mado; cuh advlnce chltch nlltde payable to you Ihal IroldllnliljO( u cuhier's checks and malllld 10 you III vour requuI.
ilS of seven days .ftar Ihe d"le we plinian Ihe ch.ck; all olher chec~s, u ollhe dale prl!senlelllo us. Olhllr debits (e.cepl fOl IlIle, ovar,liIlMI. financa. and nMsclIUanaous chl/gaslare Includlld In VOllr
Purcha.e, CU,Iom Cuh Advancll, 01 Cuh Advllnc8 Balance al 01 Iha dale posled. Finance coargos ell addad 10 your Purchaso, Custom Cuh Advanco, and Clsh Advance B"lancIII each day .nd are Ih.n
posted on Ihe IIU day ollhe hllliog cvell. Theil II no pllrlod wllhln which custom cd,h adv81lclt.f Dr cash advances may he IIpaid wlthoul incutting a linaoco ch"rge.
To ligUle Ihe dilly linlnce chargll fOI purchues, Ihe dally 'irlance char09 lor cuslom cash advances. aod Ihe dally finllnce ch",gll lor olhel nsh allVllocOS. we 51art with youl previou, day's Purchu.
8alal1ce, CUllom Cash Advance Ol1lancI. .nd Cuh Advance Ollance, .dd all debUs and subtllcl flll clldilS lor Ihe curtent day 10 Ihe applicable B.laoce 1111 ,uplalned In Iha paragllph abova' IInd multiply
the nit .lOOunlbythe.pplir.abledailvporlodicrllelsee lollowlogpluaglaphs), fho 'inancpchllfgelorpurch8lasi, Ihefl Rdded 10 and included in Ihal day'sPu,chlSe Bal3nclI, Iheflf1llnCachalQe forcU,lom
cuh .dveneDsi, Iheo .ddld 10 .nd included In Ihal day', CUllom Cuh AdvancI8alafll:e, and Ihelinallcl Charge for olhar cash advances b Iheo added to and Included in Ihat ~.y', Cash AdvlloCII 8.lance.
W. lreal , c(fdll b,'.oce for .oy day as lIIro, We dOlelmlne Iho tOlal 'maoce charges for Ihe billing cycle by adding logelhllloe Ilnance cha'09 for purchases lor lIach day wlthio the billing cycle, Ihe
linlnc. cha,g. 10f Cllslom ca,h .dvanclS lor etch day wllhin Ihe billing clele, anrl thll IrnanCII charue lor olhor calh advaoces fo/ each day wilhlll Ihll bllliog cyclo, In calculaling Ilnancl chttoes, an
Id~lllmenl will be f'J\Ide 101 III1V IIansecllon 01 paymool Ihal would have a fecled Ihll linance chllrge clllculalloo in 8 prIor hlllmg cyrJe hlld it been posllld in Ihal cycle, The appliclble dailv plriodic r.,.
lfir ,uch a I"n,aclloo will be Ihll raleln elf,cllor the cUII.rll billing cycle ralher Ihln Iho r81e in ellecllln lhe dale 01 Ihe Iraol3clion. The balallcll amounls shown on your slatement may dill., Irom
th. Purchale, Custom Cuh Advance, aod Cuh Advanc. Balllnces used In co~ulillg Ilnance charges. becauso Ihe PUlchale, Cuslom Cuh Advance. aod Cuh Advance B.lancn do 001 Includo .ny Iltl,
over.Hml, 0' ~1C"'anlOu, charge~ which 81e illcluded in lhe bal.ncas shown on vour slalemont.
'ro dlllfnWne Ihe average daily b,'aoce showo on YOIlI ,Ialemonllor pUlchalllS, odd each day's Purchue 8811111C6 fillcludinu daily finance chargel In Ih9 billing,cycla and divide by Ihe numb" of dal" in
Ihe bllllog cyclo. To dOI.U11ne Iheaveragl d.lly balance Ihown on YOllr st81enlenl lor ClnloOl cash advancal, add lach day's CUJlom Cash Advaflcu Balanco lmclllding d8Uy financl chatgel In Ihf! h !lillg
cvele and divide br Ihl nUrOOtr 01 day, 10 Ihl billiog cycle. To delfllmne IhllaviJrage daily belllnco shown ofllour IlIlem80110r cuh adVaIlCD!. add e/lch day's Cesh Ad~locD a.lance lincludlng dally
fin.flce chalglllln hlbllllnp cvcla anddivid. by Ihl nurOOo, of dayo io the billiog cvcle. YOll can IIIlllliply each 01 1 lese avef8~e dally balances hy Ihe nwooor of days in Iho billing cyclo and bV Iho applir.abl.
daily periodic 'ale 111 Obtllll tublolals, IndlhlOaddthelhflle sllOlolal, logalh8l10 delellNne IhllloUllllllOUlI1 of YOIII 11fI8nC9coarges lor lhe billing cycle.
Th. lerm "Prime Ra'e~ as usad in this Agrellment means the highetl plime IIIIe p'ublished in Tho Wall Sffoet JIJ/Jfn.J/on Ihe finl buslneu day ollho l'ravlllul calendal IIlOnlh. Any inclease or IlecllIase
in 8 variable Amlull PlIlceolage R3te willlaka ellef.1 011 Ihe IflSI day of your bdllng ~Vclllltlld may result in If slighl Increa,e or dlcteBso in Ihe amounl of you, n.nimum paymenl.
The ANNUAL PERCENTAGE RATE ('APR") for pmchasos is 6.90% lor the fint Ihlllll monlhly billing cydu Ihal your accolIOlI, opeo. ThLt cone!pDnds 10 In Inillal dally periodic 1/l1a lor pUlch,S9S
010,01616%. AlloI lhl inuoductorv Pllriod, 10uI APR fo, PUIChUBS will be delarnined as lollows: You call af/anga to ha~e a variahlo rala lor purchues which Is lower lhan Ihelowest non.int,uduclory
Annual Pelcenlage Ral. ("APR~I you are pav og on .ny of youl oilier credil catd accounts. This APR Is available only 1I you provld. prool, in lhe fO,"I ola copy of YjUlIOOl1 'eceot billing ,tllenlftrllS,
.howing your olher ooo.introductory APR. Your now APR will lake allacl in Iha bil~ng cycle lollowiog OUt reviow of your prool, Until your nlw APR lakes elfecl. or I we do 001 reclive prool 01 your
lower AflR, your APR lor purcham will be IS lollows: The ANNUAL PERCENTAOE RATE rAPR"llor pu,chase, will vllrlaod may be adjusled each billing cycle lip 10 7.65% ahove Prime Rllll1, bUI
will 10 00 ,,"01 b.I.II Ih.n 15.90%. Ullng Ihl"orn~I., Ih. APA 'or pilreh.... io Ih. S.pl.""ar 1996billin9 eyel. w.n d hav. b,," 15.90%, 'orlO.p.ndi09 10 . d.ily pori.dic ral. ., 0.04356%. I
The ANNUAL PERCENTAGE RATE r'APA") for custom ca,h advances 116.90% lor Iha hUllh,oo monlhly hilling CVC'IIS thaI yom accounl is open. Thit cotlasponds 10 an Inilial dailv ptriodlc rail for I
custolltcash Idvanc.s 01 0.01818%. Altll IholnlroduclO'y prnlod, Yllllr APR for CUlt om cash IIdvances will be delermlned as lollows: YOIl clln 81/aogo 10 havel! variable APR Ihal blower Ihan Ihe
.vertO' non.introductory APR YOII have be80 paying 00 the lolal blllances you have Ilanllelled Irom olher credil card accounts plovlded YlllJr olhot acCounts W/l18 OP9l1 in S.pl.lOOer 1996. In c.lculating ,
thl, APR we will like iOIO accounllho APRI 00 IhEl uedil cltrd balaneos you have l1ansferred lrom olhollenders. This APR llavallablo only il you plovlde ,prool. 10 Ihn 10lnl 01 ~oplltS 01 your mosl recanl t,
biNlng 11I1.ments, showing your olher non.lnlroduclory APR" and willlll~e elf 01:1 i/l Iho blUing cycle alllf you ploville prool. .'owevel, Ihi, change w;1I nolllko oltecl belotf) the conclusion 01 lhe
InI18dn<lory period. II w. do OOI18"i" '"ch p18.1 Y'm APA lor cn'lom ,..h .d"n,.. will h... loll,wl: Th. ANNUAL ~IACINIAOI RATII"APR"I'or C1l1lorn celh .dvan", will 'ary .nd ""y
be .d~sled IIch billing cycle up 10 8,65% above P,ime Aato, bUI will in no liven I he loss Ihall 16.90%. Using fhil 101fTltlll, the APR lor Cullom cllsh IIdvllncfU in thll Seplember 1996 blUing cycle would
hav. been 16.90%, corrospondmg 10 a daily periodic rale of 0.0-1830%.
Ih. ANNUAL PIRCINUOI RATlr'APR"I 'or cosh .d"nc..I.. 21.90%, co""poodiog 10 . d.lly p..i.die ralO 01 0.00000%.
If you do not comply with Ihlt ll1ml 01 Ihl~ Aur8emenl VOIlI Annu.1 Petelnt.gllt R.tl IAPRllor pUlchullS wm be 18.90%, corresponding 10 "dltilV plrludic lale 01 0.05178%; lIorl Ihe APA fOI cuh
Idv.ocu and custom cuh advlnces wllf be 23,90%, corrupooding 10 a daily peliodic rale 01 0,06548%.
O'IeI P",.d far PII"h..... H.w pllreh".. poslad I. Y'"1 ^econolln bllliog cyel.. whao Ih. plO,i,", b.I,"co wasralO, or wh.n Ih. pra,ion. h.i,nce W8l Illlly plld dllrlllD Ih. eycl., do 001 b.gln
10 Incu, 8 linancl cha,oe uotH the slnrl of Ihe lle.1 billing cvcle. You clln avoid anv finance chllrgll on such new purchases If vou pay Ihe 10111 oew balan"I In lull by Iho pllymeol due dall shown on
your Maloment. ~~ow pUlchues posled in ;Joy olhol billing cycllt locur a flollnce r.hargo from Ihe date Ihe prrrchue WI' made .od Ihera it no r,aliod In which such pUlchas8J maV be r'paid wl1houl iocuning
· flr.ancecoa,ge. Tharels no peliod In which cUSlonlcllh advances or olher cash advances may be rapaid wllhollllncuulng e linenco e large.
Fill, We will chlfge your Accounl up to $18 lor: IIch Cald you uk us to roplace; each lelumed paynMlnl check; Bach chack you w,ile on your AccoUIUlhal we relllln unplldi IIch 1l0p p.ym'lIt ordet
or renew.' olluch an order; each billing cvcl. wllhln which yom Accounlls dlilinquenl (hue chargel; and a&ch Ollling cycle wilhin which your hllaoce o.ceeds VOUI clldilllno. II you requlSt coplos of
bllliog .llt'lI1fInts Ihlll were lirsl SIInl 10 you moll Ihao Ihreo monlhs larlier, WI may charge It hllndling la8 01 $2 for .ach such copy.
Dlf,"lt, You will be io delaull: II you ware nOl eligible for tho Accounl al Iho time it WIIS opafuul; II you lail 10 comply wUh /lny pall 01 Ihis AgreenMlnl; 1I any InlomwUolI yl1U 1.ve UI p,oves 10 he
Iocort'4llellor lal,e; upon your delllh, bankllJPlcy, or IllJolvency; if youlalllo pay olher debts when due; lIa hallkruPlcr petilion is liled bV or agdln," you; Of II WI bolieve in gOO( lailh Ihat YOIl may
001 p.y or p..lorm V'"1 .bI1981I.OI IIndar Ihl. Ag18.""nl. On yorn d".III1 w. ""V, wllh.nl IlItlh" d'maod or n'li", """ y"" eradil pll,II."... dacl'18 YOllr Ac"nol b"IO"10~.di8l0lY d". IOd ply.hl.,
.nd lovoke any rlmed\ WI Ally tiel/II. In Ihe liven I 01 your delaulI, Iha GUlslanding blllanco on vour Accounl ,hall r.olllinue 10 IICCllle inlerosl allhe APRlsl rli~clollld 10 Ihe Fln.nc. Chlr"s !lIcllon 01
Ihls Agteement, even f we have sued you 10 collocl the amounl you owe.
Credit Un.. Your ctlldlllioe il ,pecililld lrorn linMl 10 1111IO in a leparlllo aolice. Wo may inc'lJ/rJo 01 ducrlllSe your c(edilline bued OIllnformalion WI obtainod Irom you or youl credil lecords,
IVlileble cradllls nOllll8lly Ihe differance balween your credilline IInd your Accounl balance (mcluding IransacU'!n, malle 01 aUlho,iled bUI nol yotllolled), for cert~in Cllh ad
5191 Chari.. E M.18I Plb,90V I CCIS.90V I C21.9I1F
"III~ b. hili. You wUI nol tUB VOUf Account lot, Ind we II"V IlIlutll 10 IHIIlOI. Illy 'fIlUS/tc!iOIl which wuuld UUSO yllu 10 UCBlld YrltllllVllildhlll wldil,
P,.ml.. 10 ',y, VOIl PIO".I. 10 IIIIY liS when due ~II ''''MUlIIII hOllowed whon you Of 111I111I0118 ebB (UII youI AccoUnllev8fl lithe '"IOUI11 chl'~lId mil/lis you, pe",.ulonl, 'II olhe, '"nS3:lIJonl 'lid
chllenlO YOUl Alicou"!, .nd coll,cllllll COils we Incur lucludinll, bUllulIlimiled to, fllUllllllblu lI11lJIU8Y'S fles Ind courl coils. 1Il yon win Ih8 IUn, wo wlllll'Y yOUI 'elSon_ble 111101l18y'II." .nd cOun
COIUol
Ch...... W. n~y 'h."g. '''y p.t! "Ihi! Ag"~""1 or ."" or ""~" "q"ill"'''I,.It~ "Uli"" '~I"i,," hy I.w. II w. ch."g, Ih. fi"."" Ch~UOl 'ocli"" "llhi. AgII"""I, Ih. ".w Ii"."" ,hllg.
ulclllillon wlll.pply 10 y011l whole Account hl.nce "Ollllh, ,fI'Clive d'I8 01 the eh.llva, whelhe, III nllt the ~lIllInClt includes ItIlIl1S poslell I" your Accounl bolll,e Ihl changa dllalnd whllher 0' nol
VOII COnllnUlt IU 1I1'lhe Accollnl.
f".I.. h.h..../Curr.noy C...."I... II YOIIII" V'"' C.." lor """"Iiolll ill . '"""ICY OIh'l Ih.1I II.S. "011." II" IIIIII'OCliolll will h. ""'"1''' '0 U.S. ",II..., g.,,~.lIy ,lillg IIlh~ . iii
gov'fOm,nl.n..nd"ltd f.I, Of lill wholltalt n..,hl '.Ie In efllCllhlt daV befo,., the I(81""CtlOII procllfiJuU dale, lncreuIl1 bv onl psrCIIllll\l, lIa mditls lublequelltlv yiVltlllof . lfl".8cIlon, it wH
b. d,clt...d by on. P.Il:flll ll'u. 1I1h. CIIIIlI hu a dllfe(1J1l1lltoceulllll dale, "11m tho UChllllQO (It I 01 Ihe crodll UII hI gllalsrlllu Ihall Ihal 0' Iho o,lylnal IrlllluclloII. The ClIllll1CY convltuiOIl
",. Olllh. d.y b.lo" Ih. l"nllCli," plOcmlnu "'10 ""y "ill.. '1011I11" ,,,. ill .lIocl .1 Ih. I"," nl Iho IIInsocli," " .n Ih. ".1. Ih. IIInll"io" I, pOlI.d on ynu, A'''"''I. YOII .g,.. I' ''''p'
Ih, conw"I.d '"l1)llnl In U,S. dollars.
n. C.,clj C.lle.lI.tion. YOIl will 18\11m the Card 10 us al OUl requlIll. Thl Card e~pj'91 lit Il1e !Iud 0' Ihe Ilkllllh Ihown on it, We hawo Ihe lighl 110110 'enew Ihe Cltld. Al IIIV IlIT1ll 11111 III'UI
30 dlY' oolic! 10 you, or wilhoUIIIOllcll II plrII.lIed by law, wo may cancellhe Cald Ind your I;,edil pliviltlgos. . If your Calif Is unctlled or not r.newed, financo chsf'u .nd olher feu will conllnu.
10 b. ""'"d, l"y",,,,, will ,",,111111' 10 h. "ue, ,,,,, .11 'Ih" .pph"hl. pIO.I.,o", ,llhl. Agllon.1I1 will '''''''" 111 .II.eI. You n.y ""col V',,, c,""" p,',lIog" hy lIotllylllg 111 111 w,III"U, III",,,illg
the C.rdlst 10 us elll ill h.lI, .nd plying your onU,a slatemenl ballnee by thl payment due dllle 00 Ihe ttalemelll whidllndudu you' flll.1 pUlchues, cull .dvllnces, chafves, .lmd I.u. "we tlncer
01 do nclllolw Ihl COfd, 0111 you tennnato your cfldll pllvl/.ges, you o"y no longer Wlllo checks on yllUl Account. end you should dUl'oy any UIlllSlld checks we haveluued 10 you.
P'".noll,'"m.llon; D...m,,". YOII will givo IIi '11,,"10 "'Yllloll" II y'" ch."g. yn", "'''', ho". 01 ""ilillg ,,,,,",,, tol.phon. 11Im..", ",~loYII~nl '" 111,"11'. y," wUI plO,,~lIy gl" III
1111,,,..11,,, .bo"l yo", 1i1l.llcl.1 .1I.i" II w. Ilk I", It. W. ""y g~ ,"ch illlOlIl.llol1 hom olh.", illcllI"i"g ",''" ,"pollillU .g,",los, ,,,,, pro,i". YOII' ,,,,,,,,, '"" 1,,1''''.lioll .b."1 yo", AccoUl,llo
olh.n. W, ffiIIY also shllu such inlormlllion Wllh OUf If/ililles, "you fail 10 fuUm Iny 01 YOllr obligations undof Ihls AUfeemenl, a nSyallvl crodille/lort re!lecUng on you, credit 'etold n'Nty he suh~lIed
locrldilrfllorlmglgellcies.
CUlt.m.. S",III; Unouthorllld U.., lOll, or Th,'t 01 ChlOh 01 tho Cord. Eoch COld """ h. lig"," '" ""il'l. Yo" will ..I.gu..d Ih. C~", y'", p""""lld.llll1lcotioll "u"." Iwhi,h pro,'d"
IeCllt 10 AUlomlll.d Taller M,ChIOlU!, Ind Inv chicks luued 10 you f(olll Ihoft. You will keop your paFtonal idellllliclltion lIumber lopa'ille from your Clld. _ II you dlscovlr or Suspacl Ihat Ihl Clld Of
.IIY unlll.d chock.." '''I 01 .,.1.",,, Ihat Ih... ".y h." IlI1OOlhOll,," IIIII"cllo" '" your Accou"l, V'" willllOlIlV "1"'''llIly hy to'.ph,"lng 1800.9337221. You will pho"., ,,,,, Iho"gh you
may nollfy us-In wrillng, 50 we COn IIcl fUI II) lio1lloS181 aod liability, YOUf liablllly lor UllllUlhotilEld use occurring biJfa(e YOIl nolify us is Imvled 10 'SO. II you ,apon 0' we 8uspecI WIIUlholll.d IIse
01 yo", ACCOIIIII, w. ""y 'UlP"''' vom ",''" p,i.iI.gOl unlil w. ,..,r.. Iho p"hl"" I' 011' ..Iilleclioll or I"". YOII . "'W C"". II VOII' C"" I. I," Of 'Ie',,,, y'" will p"n~lIy ""IIOY .11 ,hock. ill
your pouaulon. To impwv. customer service an~ sOtu'ity, you IIg'lIe Ihal you, CIIUS may ho Ilklnilored or f8t:orded.
MIr.h.,I1 R.I.II.... W. will "01 b. li.hl. iI .ny P'''OIl " Alllo",,"" Toll" Mochi". III"" 10 ho"" 'h. C"" " ""pI y'"' chock., " l.iI. Ie "III'" Iho C"" I' YOII. W. h... 110 '"POll,ibllily I"
good. "''' ....i'" p""h...d wilh 'h. C"" or chock. ""p' 01 nqui,," hy I.w. rs.. Specl.llIlIl. b.low.! C"IOI" b",.litslh.1 ... ...iI.bl. wilh Ih. AccoulII ... p",i"." by Ihi''''p''ly """0".
WI".nolffsponsiblll far lhllquallly, availabililV, O( I(llulls 01 anyollho SI(vices youChooS910 USB.
SI.p P.ym..1 Drd.... II YOII wilh Ie "op P'YII'''I '" · ,heck, YOII ".y """ Ul . lIop P'YII~"I "",, by w,ltillg Ie "' .1 0", ."""" ,,, CIIIIOII., ",.i" Ii"." nil YOII' hill. You "" ""k. . ",p
p.ymenl order olllly bV ullinllhe nllntll lisled on YOUI sllIIel1lllnl. Whon you IIMke e SlOp paymenl olde" you OlISI provldo YOUI ^CCOUnI nuntlellnd specilil; infolfll/U10n .boulthe ched: Ihe '.'cl
""'UIII, Ih. d.l. ''I Ih. choc , Ih. "''''' ollh. p..ly 10 wh'lII II w" p.y.bl., Ih. ",,,, ,llh. PO"OII wh, .iU".d ii, "'" Ih. check """"". You will b. OIk.d I' COli II,,,, ,,, ,..I",p P'YIIIIIII "d~
"wrll"g. W. n.y dl..glld yo", ".1 "".. II w. II, "01 "coi" . .Ig",d w,III." co"II""'lio" wi'hi" Iwo w..k. .11.. Ih. 0111 "".. " iI y,,, h... "01 .d.q"lily)".."~,,, Ih. 1\If~ .. Ih.1 p'y"""l
CIII h. .I.pp.d by 0", CO"I"'~. Th. ord.. will "" b. .lIocli.. illho ,heck w.. p.i" by III h.,,,. w. h.". "..'''.hl. 'PP'flunlly 10 ocl OIl Ih. """. W. ""y, wilhoif lebili'y;dllllgll'" wlill.,I
1I0p P'YIIIIIII ,,"~ JI. ""nlh. .iI.. ""ip' unl... illl "n.w." I" w'iti"g. _ .' _ ': I
It..dlld., CII., 8oc,",. Ihi. Aceou", 1"..1... hOlh ".dil co," "'" check III"""i,,,. which... p'",o"," IhlOuUh "P."1o ".lioll.llyll'lII. h.lo" Ih. "",la,""" ". CO...lid.lldby'ill, ."d boc.u..
nOI.vlty check Bod Card Slip will be Unllo UI, uansecllons In your Account will be procllssod mel;hanlcally wilhout OUt Ill/cOUI/ily "viewing eV1l1 item. UUf/roceuing fYltem wUl t.~ OUt Illlnlioo
10 c~I.ln 11111I' which w. will "''I;'''. W. will...",,,, .11111,1..,,10111 wh." you "P"llh.1 yo", C.." III checkl h... b..n lOll or 11,1.". W. '''01 '''11Il ""i""ily.,IO...."'''' oil il."", IIId...
will not bl! n.gliglnllf we do 001 do So, Thls rule eslablishes Ihe slanda,d 0.' orllinary clla which wo in good lallh wllleurclselo admnblering you, Accoun!. .Bi.cau~e 01 OUf li~led 'Ivi~w. IlId b,causo
nollh" you, cencoll.d ~hockl nor C..d III".ecllon .lip. will b. IIlu",.d 10 y'" wl'h Iho """Ihly '''1''''"" y'" .houl" h. c...'ullo .nl.. .11 check. In vo~ \~i,k IIgI.", p, olhOfWilH'ep . llco,d
.llh.lII. Yo" Ihoul" .110.", yo", ",<Ii' c~" "'h .d.."" ,,,,, pu"h." '/IP', y'''.g,.. 10 ,I,eck y'", ,,",,'hly 'I",,,,,,".g.i"" you, IIC"" ,,,,, 10 noliiy 4' p'.on~lIy o~.~y u",Ulhq,ll1Id '"nllcll.".
"~IO". . , .' '. I'
. J L~ ," I
W.,... .1 Corl.l. Rllht., W. may d.I., " w.i" ",I"""",,, ,I '''y P""lIlI" ,llhll AU'''''''''I wilhoullOling '"' ,ighll' ''11"" il " ,,,y "h.. p",i,'OII i;IM,.y,,, w.lie: Iho ,m'11o P",..I,,""I,
d.melld, PIOIIl!. " ,Ioli" 01 dllhOll"; OIly .ppli"bl. ''''ul. ,'11";1'''0'''' ,,,,, "'v ,iUM you ""y hey. I' IIqulll U. 10 p"c"d .g.i".1 "'yo". b.I,,, w. JUt YI". :::> ", j
-"'~ \V :<
Ar,II01II. l.w; SmllbllllV; AIIlgnm",!. Nn "~Il.. wh... y,,,Ii,,, Ihl, Ag'''''""1 ,,,,, y'''' Aceo,,'I' ." gOYl""" by 1,,1,"II.w ,,,,, by N.w 11'II\I'h'" I.w. Th. Ag"''''''1 i. . Iinelllp,...Ion
o Ih. 'g".melll b.lw.." you "'" " "'" may 1101 b. conlll"icI." by ..I"on" 01 ,,,y .'I.g." ,..I 'g'"n.nl. AI ,,,y II"" .11" w. "<",,,;,,, In goo" 1.llh Ih'l .ny plOpO"" .. .nocl.d l.gi.l.li.",
Isg,I.IOIY oclion, .. ~dici.1 doc"io" h" IIn""." or ""y IIlId.. eny "'I"i.1 plO,i.ion 01 'hil AgII'"'''' i""lid .. u".nl..,..bl., or ill\lOl. .ny In"."." I"" IIp..li''g IIq"illmenl. 01 OIh~ borden in
COII","~II wilh eny lOch pIO,ilion .. ill ,,,'or,,,,,,nl, w. 'IIOy, .,'" Oil"" 30 d.y. "OIi" 10 y'", or willi,,,, nolice II P""'II." by I.w, cen"llh. C~" en" yu", ,"dil p,i,il.g" "" deel~'l'"'
Accollfll b.len" l.....dl.lIly "" .lId p.y.bl.. II "I plO,','o" olllli, Ag,,,,,,,,,, I. h,ld I, b. in"li" .. """Iote"bla, you ."d w. will conll".. Ihll pro,I.Ion ""dlli." 10 conlOllll1O .pplicebl. 'w,
IIId Ih""1 ollh. pIO,llion, In Ih. Ag".molll will 11111 b. ",I'""bl., bill w. will h... Ih. ,ighll' cencel y'", Aceou"l "'" "eel," yn", b.l.nce hm.dlll.ly due, II plO.I"." I" Ih. P",.dillg IInlence.
W. mey I""l~ .. Illig" 0"' ,Iqhllo .11.. 10,," 01 yo", p'y,,"nlS. 11"010 I.w IIgllillllhOl YOII llcol.. "OIi" ol",h '" """ I' Prol'" Ih. Pllteh.... 01 IIIIU"", w. may gl.. you loch nolice
by 'iling lIlinlocillg Slllamenl Wllh Ihe IIlle's SecralafY 01 Slllo.
N.II.... nlh.. noli", 10 you .h.1I b. .lIeell" wh." ",pOli"" ill 'h. ""iI .ddll".d I' v,n 01 'h. ,''''"'' ,h,w" 011 '"' "'01"', nnl." . long.. nOli" p"io" i. Ip"lIl.d I" Ihl. Ag".n.nl or bl"W'
which p~I," ,holl '1"1 upon ""mllg. NOli" 10 us Ih.1I b. lII.iI." 10 0" ."""" I.. co.II..,., .."I" 0" ynu, '1'1''''''1101 'Ih.. ,'''',,''" w. n~v ,peellvl.nd .h.1I b. ,11,,".. wh." w. ,ee." II.
Vour Billing Righi. .. Keep This Nolle. for FUlulI U..
This nolln cOlllalnslfT1lorlanllnfo,mllllon aboul YOUf ,ighll Rlld our laspo/1tibitilies undltr Iho Fair Clallil Billing Acl.
. Notify Us In C'II ef ~rror! or Quelllon. About YOllr 111I
II you 'hlllk VOII' bill II wlOnu, or II you n.." """ Inl"""lion .holll on Anl'y 0" yo", lIill, w,i" "', on . ..p~.I. .h..l, 01 0'" ."d,," lor CO",,,., ""Ien lill.d on y''', hill. W,I" 10 us II 100" ..
poltlbl~. We 011111 heM from you no lalel Ihan 60 da'JI aflef we senl YOll Ihe fl'SI hill 011 whicl, Ihe 8110' 01 rfOblellllppea,ed. YOIl can lelepholle us, bUI doing so will nol p'OSllve your right"
In YOUI leller, give us 'he fOllowing: .. Your oame an ACCOUl\tllumbal, .. Tho dollRI alllollnt 01 Ihe suspeclel elto(.
.. Dasclibe lhll effor and elpl.lo, if you cao why you beliove Ihero II all ,rror, If you nved 1II0le infollnlllion, dasclihe Iha item you III nol SUIO 'bout.
y,ur Hlghl. ."" 0" R"po".ibiliIlOl AII~ W. n."i" Vo" W'ill." NOli". W. nMl" eek",wl."U' y,,,, IOII~ wilhln 30 d.y., unl... w. h,,,co,",,," III. ",or by Ih",. Wilhi" 90 d'YI W. """ oIlh..
eOlleel Ih. .".. .. IIpl.l" why w, h.li... Ih. bill w" CO"OCI. Allor w. ""i" you, lOll", w. ce"nol "y 10 colleel ~'V "'"unl you q",,",n, .. "POll y,,, 01 d.Ii"que,,1. W. cell conli",,, 10 hill you
1001h. ''''''"1 you qU"lion, IIIclll"l"g lill"''' ,h..g... W. con .pply eny u"p.I" '''"UIII 'U.I"" yo", cII"h Ilno. You II, "'I h." 10 p'y oily qll..lion." "'."" whil. w. ~. i"'''lig.llng, bUI 10"
Ife stm obllV81ed 10 PlY Ihe parts of YOUl bill IhatIfe nOlin queslloh.
II w. IIlId Ih'l w. ",.d. · ",,,.k. 0" yo" bill, YOII will n'l hey. I' p,y '''y lin."ce ch..U' "/'1." '0 .ny qUOIlio"." .n.ulll. II w. "''''''1 ""k. . ";II.~., V'" ""y II... 10 P'l filllnt.1 chlrg., Ind
you w~ h... 10 IIlIk. 'p Ih. ""10" p.yn""" on Ih. qUllllio"'d ".u"l. In "1.11.. co.., w. will ..nd yo" . 1I000""nl 01 Ih. '''.U''I you 'we ."" Ih. ",,, Ih.1 il il "".. II you .illn p'y Ih. .nleunl
we Ihlnk you owe, WIIIl.y report you U delmquenl, Howevol, II OUl nplallllloll don Illlllallsly 101l1lld you Wflle 10 us wilhlll 10 dlYs 1allll1g us Ihal y{W slm ,01us8 10 pay, we loosl tell .oyone
we f.porl you 10 Ihll vUllluestioll your bill. And, wo IRISt 1.11 you the l1em., of Inyolle '11I11 IIJporle you 10. We IfIllsI leI/ anyolle we repoil you 10 thaI Ihe mallol has beell solllad bel ween liS when
It fio.lly b. If we Ilon'l fa low Ihese rulas, we un'l collecllho flrll $60 of Ihe qutslloned 81111I111I1, Bven if YOllr bill WitS correcl.
Sp.el.1 Rul. for Crectl' Card Purch..1t
II you h... · plObl.", wilh Ih. q".lily ,llh. goo".' " .."Ic.. Ihll YOllllu"h..." wilh '''' ""Ii' ",d .u" you h... ",," in goo" I.ilh In '""ocl lit. plObl.m wilh Ii" .."It,,", you ".y uot h." I'
p,y Ih. "",Inl"g lII.unl duo 0" Ih. goo'" "1",lcII. Th... '" Iwo li"'l.lio". OIl Ihl"igltl: 1., you ,,"-"- It... """0 Ih. purch... iu y''', ho,," "'Ie, " il "'I wilhl" yo", h.n. 11'1e, vlithl" 100
nJI.. 01 yo", cu,,~t1 lI~iI'''g ."",.." ",d IbllilO I",,,h... p"" """ h... b"u ""'" Ih.n 150. 1h", 1t"'"IIOU' "0 not .pply 'I w. nwn or 01""1e Ih. U."It,uI, 01 iI w.lII.iI." you Ih. .""',,.""''''
laf thl propafly Of servlcel.