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'J\I~PROVIDIAN "'-- 1111111/1;;"1 I'IOVld'OlI NahoI1I1IIlU"~ VISAII> or Mull/Caldll> Aceoll,,1 AccO\lnl ^Of(lutnOnllol Hoban ^ MOt\(lll!l(l AI'II13 1998 rl!GflG(lIOVIOW IIl1s documanl ulld k(!t'jlll wllh yOU! olhor tlf1porlonl PflP{lIP' Tlub Accounl Agroll,l1lonl cOlllmO"t Iho letm$ whlell gov(I!n yow rl/OVld,llIl Nullonnl llnnk VIM 0,1 MaBlo/Cord Accout\l 1111. 'Aceounl') III.Ac.ounlaIlO'/ta you 10 l11ako pU/.ha.". by Ii.mg YOIII VISA 01 Ma.lolOnld .ald liho 'Ohld'j WhOIOVOIIII. hOllOlod alld 10 gol 'a.h advanco~ hom HI olo~y olhel, . oall<,pIII,ag "","clalll1al,luIIO/\ and 11010 Aul~malld Tollol Machlaus COIWUllloa.o cho,~, lIIay 11100 bo Plo'l~ 10 you a, ~11 add,l,ol1al WaY 10 usolllo AccoU1I1 11111110 AgloelllanL yoU and ~your' moon oneh portlor) 101 whom wo hMfl oponvd It Cfod!l oltld Account. tWa,' "(Jur" ~,lJUfa.. find ~uf hlQAn P,ovldlMl t~nIIOI\"1 Onn",olllsllsQlgnuos, ns Imled on vourbilllng elfllemQol. Tho AccOllnl II1UY ho u.ad onl(lol po/loMI, Immly, houlallold, olld ohullloblo I'"IPOSO', IIl1d 1101 lor IIny bl/"lIau or '6IMloIC,,1 Plllpo'o Any u;o 01 III" A'''ollIl19I1all 'oll.lIlulo accaplllnco ollila lalll1. oflllll Aglaooll/fll Y6U and wa agloua lollowa ' P.ym,nl" VOII will 10celVo .II monlhly ,lalamonl.hoWlng youl Olll.londlllg bolOl"O Poy~onl on Ihl; A'counl Is loqUllod Irl U 6, 001101; (cllUCkl lI1u.1 bepayoblo alo U ~, OII~IQIIII"PlInk 1110 clleek" dlawlI onllol allall.llllol'oYlllelll dl/a aa .hO'/t/l Oil YOIII alllloOlunl by II" porOlOll1 doo dalOln, aCCO/l,la neo wllh paymuIII,nalluChollt6n YO,VI mOlllh~' al0lolllonl,OO,nVO/ll'nCeChelk9 ai\(/ olhar chuck. Wola9UO I~ you may nol bll u.nd 10,IIIoko I'oYlllonlo on, YQUI AICOull 0110 mnke paYlllonls on MY olhal a,covnl VOV hn,vo, Willi u. 01 0.'1' alliflol,a9 Tllo p,aYlllenl dve Will p"e" ' 2 0% 01 IhaIlOW i>lIlanlO allO'/tn Oil youl 'lalemaillloI2,2l\lIailAnnuaIPallonlag, Rol. afllhod 10 yooI 9C"OOnl " h~lIellhan 21,1J1\) pll/llhe amounl 01 nny PlI.1 due P{lymenl, plu.lho amounl by wlIlllI Ihe ~eW l>>ilance eXcee09VOul Clad,lllIie H~heVol, IhollflYlaalllduo WiII'I01bolo..dhnn 116 (unloss Yool naw bollll1COII lai$,lIlon 116, In wllloh caeo IhaPIIymeill dO' Will bll lhe amounl of IlIe now balanle), II yoUI Acoounll.,PI\aldllo 01 ollovo 1110 clod,l IIno,'wo may Il'<1ulIO II IIlgaUlmln'lIIum paymenl. bul Wo Will nol,~ yOU 001010 doing 90 II YoUl flI\1mOOllllOolo Ihan Ihe paYlllanl ~o~, il Will P4i \laelod ,_ n IIOglf Oaymonl,lld none 0111 will b(I appllod lolulu/O paymonl9 duo We may acoepllalo 01 pallial peymonl., 01 paylllapla IlIolk.o 'pold In oil' 01 malkod WIlIt olhal IIIIIIOI19n" Wllhou!loSlng oil' /1911110 lolleol OllomouolaO\\'lng un(jel Iltll Agl,wmenl ' , ' Olldll ~uvluwl h,ql.1 Rmllulllent" 10 ol(jello keop youl Acoounlln g~ olandlng, you aglOo nollo lignll,cllnl~ InllaSle Ihe II1110ual 01 YOUllOlaf debloo unalOlllad leVoMng'ftQoounl, l'Ia will levlaw youlAtoo\ml and .IId,1 pfOhll qUIIIOIlv 10 ev,luale Ihe alllounl ~Oil owa lalslNo 10 Iho amo, oal olYOUI Ihaa oUllanl !ncomo (l'Ia conalcia, ,Ion Inclea" 10 <lIbl 01 mOl', !hail $2,000 10 be IIgnlfioonl. unlea9 VOU lIaVn .ulllolel1l Inoome I II we del.lmlne IlIal YOUI ACCOllnl1l nolln goo9 elur~ng, yOOl Annoal Peleoalope Rel,a (APR) 101 pUlohms, ooalom ooall, and nll.h e<llenoes may be laolaa8a\!' " " , " ",' , " PiOtOU Ohlrglt, Excoplas <lISbllbll, d In III~ Qrm Period ,for Puroh.... 800li,OO O,lllIi$ AgleemonlJnone, Ohalgl' be In 10,aGb/uaon a debll When Ul$lnOludO, d In one O.LYOUI da, lIy bulanoea,aad ConllRue ,"allllhal bol.abOla I~oood by n paymanl 01 O/odll, Y,OOl aooouOI III. 111/00 bola, noe,' IlIe , ," ,WhlOh <001"19 01 P1llOhalOl you,moko Willi youlOald and 1m 101 co,laln opllOnalaolVloeai Ihl~, BOI'~C~,Wh~1I ooa910le 01 u~jeeulod OIedll cald balancos 'a you /Rn"el 10 YOUl Aooounl uSing balonlollanalet oHoeks and bulanoa, Ihal wo Ilenalal 101 YOI/,an e w ',III lonslela 01 all olhal cash advancel, Any pavmenl alpounl we lelelVO Ihal e~ceedlllle "aa~le oholge9 nnd fO(l, IlIan due will old,"a/lly\>l ,pphed ""110 1110 BunoeWI 0 /lIVeo R, unllllhalBlllahee illOlo and lhep 10 Ihe ealanoawllh Iha nuxllowe.1 APR, unllllhel8,lanca IUIIO, ond Ihen loonY lememlllg Balance 1'1,0 e, lesal\'e Ihe 11011110 apji~ ~,ymenla d'flolenl~, Wllhool,"llIhOI nol~. the P, ,IIchala, C"lom 00, ,Ih Advnnca, nnd Oa,h Advanca flalonm,ale ledoced, by, po,ymaOl9, 0.01 Iho dale leee~ed, tad by cladtla (a~capl 0/ 10vo"al. 0, I laleboy".hl11l1, and Inlaoallenev, UI ollelgOa) M ollha da, 10 pollod ,Pulella.ea alol,n,Clllded In youl pUloh,aae Ilolanoe II ol,ma dale made Coelom mh a<Nao\'elaloIOOlod$d In Youl OUllom el~ Advanoa 811laooo allollowI, lunClo ellQllOnI"l~ Ilensmllled 10 olhar lendelalolla~,'el i>lIlanles, as 01 Ihe,dalO lIan.~ltled, checka 10 IIan9101 balanoaa 01 oflhl dele ple,"lod 10 ua,Olllll lash amllneel ala Inclu~ In YOUI Cash A<I!ance Balanco II' 10llOWI oasll awanmllom olhell,"anoll!.in,lIIulioaa'ead IlIlough Aulomalad Tellols, al ollha dele mode; oa.h advanoe olieok. made payable 10 you Ihal ole Iden""O({ AI ca'hla/', ollaokland lIIalled 10 you al yoU! laqUe91, a, oflovali,day' allallho <lale wo PI,al on Ihe cheok; allolhel Ihelka, as ollha dole plesepled 10 UI, Qlhel deblla'loXClpl fOI IlIle, oval,lImll, Imanco, and,mllcollaaeOua Ihalge'j ,'e I~oluded In y~uI Pllleha8l, Cu,lom Ca9h Advaace, 0/ 0, aah ^<lYlln'e a,alaooue of.tha dele po.lad Flnonol ohalge. oleadded 10 YOUl,PO"liesa, O,ullom Ca.h Adva,nca, an\! Calh AiIi.~ca, Bolaa"o aabh day and ala IlI,aa poIlad on Ihe laal day 0' 1111 billing eyclll, T~1I0'it no,glaco poliod f.. oUllom oOlh advBlIQoS.. olhOI "III advenoes' " Tol'jUle Ihadal~ I'oanco ol\lllga fol pUIQham, 1111 dal~ fi~anco cl18lga,I.. cualoll1 lash advancol,'ond IlIadai~ fIRonoe ohargo IOI\llhal 00,11 odvllnoas, Wa alail Willi youl plaVlouI daY'I Po" la," Balllneo, CI/llom O..h MilhQa LljIlanol, and Oalh Advllnea Beleneo, add 011 dobll' o,nd eublllol all olOdll, 1011110 cUlllnl dey 10 Ihl applloablo aelanle (as explelnodlO Iho ,'. ""ag'"ph above) ond mutllp~ Ihe oel amounl by 1110 apjilloable dally P\lllodlO,IOII laoelolloW,"g pO/aD/aplIl) Thal,aalloeollllge I.. plllehe.o. IIllIan added lo.and Include<i In Ihal day'a Purolla.e 6alonce, Ilia Imonco Ohll,9' e 101 oU910m o89h advenles 19IHen added 10 and Includad In, Iharday'. Ou,lom Oalll Advane, e BlllonloL aad Ihe I,"ance chalge I.. olHel o.,h awallQes Is Ihen added 10 and mcludo<lln Ihal dily'. Oaah Advanca Balaneo, We Il,eala OIodll balancI,Ior anV day a'lOIO, 1'10 delllmlnallle'''aance cl'argea on youl bulancea IOIllIe billing cycle by ad<lng logalher Ihalmaneo chalgl fOI PUlchlle,lol:aaoll day wllllln 1110 pilling cvcle, 1110 flnlnoo ChOlgolol Clialom coah o<ll8llCal.!ol oaoh,<lay wllhln Ilia billing eyola, and IlIo'fiMnoa ellalOa lor olhal cash ,dvan'aS lOloach dfly WIlhln Ihepill'og oyola, In oaloulollnO finenca ollllge., ,n adlullmonl w,lI bu made 101 any lIaOlaollon 01 ",ymanllhal Would IIlve alIQIO({ Ihe I,nenelollllgl oel,ulellon la 0 p"OI billing 11'111 hod 1\ been posltd in Ihal oycll, The Ipjilionblo dally P\lIlOd'C lalo fOI suclI a IlaaloollOa Will 00 Ihe 1010 In ollecl101 IlIe cullenl billing l'Iole IOlhorlhon lhe 1~le In alleelOn 1110 daleof.tlle 1I0nsaellon, " ' TO delellnlne IlIe avelaoaclnl~ palenol allown OI\yOUI alllemenl 101 pu/Ollasea, odd each day'a PlllOhan !lalance(lneludlng dalw.!lnonoa ollolgll tn!lhl bllll~g Qyl!e and dWI<lI bY IlIe numbel 01 dayl In Ihe billing cycle, To dOlelmlne Iha average da,ly polanle .hown on YOIII IlalelllenllOl ouslom O8Ih sdvancaa, add eaoh day'. CU910m,Oaah A<lVan'e Balanoe Ilnllud,ag dal~ IinallQe chalge) lalho blll'ng oyOle ,nd divll!ll by I~e nUmOOI 01 daY8 In Ihe billing cY910,To di'lolmlne Iho avolage dalwpalll\ce shown oa YOIII alalemenl fOl oalh edvencea olld ealh day'a Oalh A1I;anoa Balepce ([ncludIll9 da,ly I,nanea Oha!9') In Ilia b,llIng OYOla and dWlde by,lhe nombal 01 daya In Ihe bln,ng OyolO Vou can mu!lip~ a8Ch of.thaleave!age d8'~ balancla by Ihe aUlabell 01 daylln llil billing OYlle and by 1110 apjilloopll de'~ POllodlO lole 10 oblain sublOlnlil' ond IlIan add Ihe llilee .0blOlllllogelller 10 dalalmino Iho 10101 arnounl 01 fi~lInel chllgl& 00 youl bulaf1Q09 fOllhe bilhng oyola, I 8Q~9h advenee Ilanaee"on laa IlOhllOld, IhOl amounliU so a I,"anol chalga, ' "',: ", Tile lelm 'Pllm. Rale' Oft 11ged 10 Ihls Agiaema~1 mlMllha hlgllall Rllme lale pllbliahed In' Tha Wolf Slr'9/ Journel Qn Ihe 11111 Mine" doYOI Ih. plevlOu. 1$lendal monlh, Any lnelallo 01 deeleaae la a valleble Annual PelOealoge R~lewilllake offeCi on Ihe IlIsl day 01 YOUI billing Oylla and may lesullla 0 Illghll~claaae 0/ <leolealeln Ille amouol of YOl/I mlnlrnum,Mym,ont You can II/ange 10 have a Vlliable IftleJO/ pu/Ohe,ol WIi!oh la lowellhan'lhl 10\\'111 nO~,llIlIoducloIV AnnuslPelOenlago Ralo ('APll') vou ore p'8ylng o'~any dfyoui olhei,oledil ohld hcio'unla, This APR la ovallapla Qn~ If you plovidll P,IIOO, I, I~ Ihe I,olm '1.1 lople, 9,' ,yOut, m,O$I leoenl billing a1lle,l11aal9, ,lIow, Ing,your o,llIel aoa",'allo<lU, CIO,'I)' AfRs, YOUI, new, ~PR, rr.,i11lakUII,80I, In Ihe,bllllng ~OlaIOIk>Wmg OUI "view Oioul plool, Unlllyoulaew APR lako. elleol, 01 II we do nol lee9Ne pl091 olyouI lO'/telAPRi your APRJoI,Polcha,e. will 00 a'IOIIOW'; a ANNUAL RceNTAOB RATe (AP 101 PolOhaao$ WI ill V$I\' and l11ay blladlUlled ealh billing cyoll up 10 7 '40% al>OVa Pllme ~ala, bul w,lIln no ovanl bel leas Ihan 5,90%, alng,lhll lOlmula,lhe APR 01 pUlOhom In IlIe Apllll billing tVllala 5,119%, oOlleapo~"ng loa dally PlIllodiO/ala 01.04356%, ',' ,'" ", :' " :' You cao allange 10 1I1ve 0 vllllble AfR (nol beiO\v12,ll\\) Inalla lOWallha1111e ,valagl nOO,lnlloduOIO/Y AfR you lievI been pjlylng ,on Ihe 10lel,ballooel you havollankfa!ied 110m olhel O/adtl c~ld aooounll plOYldo<! youl olha, oloounll Wale qpen In AplIl ,11198 n caloulatlng 1.011 APR we Will lake 1010 aooouallha APR. Oll'lha O/ed,IOIl,Id bslanloa you hevallal1llol/ed horn olhel lendere, Th'l APR 'a available on~1I vou plovldo PIOOI\lo.lhl fOlm 01 Ooj\!I9 of VOUI 11I011 leoenl bllllngalalem.nla, ahowlOg YoUl olhol non,lnlloduolv/YAPRej,pndwilllako ,$11001 In Ih, bllllag oy,la allal you Plovlde IIIcx>I, H6we~,!.11I19,ohanYf w,iI,nOllaka ellool belOf,e Ihe oonolullcn 01 Ihe Inl,lod~,IOI)' perlodtlwe,<ll nOI',llnJl80,Jem a,lOlll ploolyo", ArR (01 cu,lom COlh adyal1Qes will 00 aalollO'/t8: The ANNUAL pe~CaNI AQe RAn fOlooolom oalll awane,e9 19 21001\, cOl/eapondlng 10 a de'~ Pft!lodio 1,110 ofl)llO(JO\\: ' " ' The ANNUAL PBROeNTAOe RATB'IolOaah a1l;an6eali 21,90\\, 10lle,pondlng 10 p dal~ POllodlo 1~len'06OOI)1\, ,,' ' , " Ilyou do nol oomp~ Wllhlhllelma 01lhla,A9itlelilanl VOUI ANNUAL pe~ollNTAOe RAT8lor puroha,o. Will b(llBQO%, cOII'e,po,'II,dIIt910, 0 dal~ POII,~lb ,ale of.()517ell; aliillhe AP~ 101 ~ash a<llanc09 ~nd CUllom'o~ah awanoa, Will be 23119%, oOlla'pilndlnglo a dally periodic lale 01 ,06548% WI l,saIVI Ihl IIghl 0 ohengalhe Annual PelOealagl Rale laleullllOoi Ifyou.,lo nVI oomp~ w,lh Ilia lelma of Ihls Agleaman, I, VQ, ulNcaunl 1110y f?$, ellglpll fOllhe lowol log"lal APReoflllYQU havl mellhe l11ma,ol Ih" Agleemenl leI Ihlon mon,lha, II YO,U lonlaol ua, we,WiII rw~youIAccounllo(jelelmlneyouIOliglblll\YIOllhaloweIAfRa, .." ," " ..' " ," '," Ollse Period fol Puroh...., Naw RUIOhOle9 !\Ollad 10 VOUl)l,ooounl',h billing OVOlelWlI1I no plavlOO, ~Ianee, Of,When Ilia PlevlOue belll,ce wI'fullypold dUllrigllle Qyol6,~ fIOll1eOlo 10 " moor a,fmanCl chalgo unllllhl ,Iall 01 IhlnO~1 billing 0'/91e, You Will pay no fino""a Ihll9"n auoh ~ow pUllhales II YOU!?8y Ihe lolal naw bala~Qe ,In Ivll by Ihapaymellldua dale ahOWo on YQUI alalamenl Now pUlohaaelpollad I~ any Olhll]>llIIng Qyole InoUlaliaanoa Ihil/ge, ai\(/ Ihe,e iano pGII,Qd In wh~H aoch pUlcha9a. may be lepa,dWllhoullnoulflng a,fiaanle oh8lge, Pm, We will ,lIalge youI lIocounl up 10 $24 fOI: e~oll ClOld YOU 81k u\lo lepl~Qe;mll lelulnedPllymlolchaok; aOOIl clleek YOo wille op VoUI Accounllhal wOI'IUln Unp.Id; eeoh IIW poymsnl OIdel OIlenow,1 of eUOh, an ~Idal;, eaCh billing Oyole Wllhln Whloh YOUI AClo, unlladelinq~anlll~le oh~lgp); ond la,olibilllng Oycla wllhln wh~h 1001 ~!_flce a~m,'de youl,ellld111 OUvon ~:ic~o:ugl ~f~~m~~rs:I:X~J:~%f~~~I~ ~W~~~nl~II~:~~~~t~r:~:~~~7a~~~f;~~ l~a~II~~ to~rA~~:~~I~" we',lnayohelge a haO~lng IIG Of.'~ (,~ each '~bh~ Plah , ~~W~~~~~ y~~ ~ ~Or~yU~i/~~~~~o~:~o~~;r,~~I~~I~g~I~~~I\1,I~~~~~~g~n~~~~~: ~{ll~f~r,~~Tn~otJl~~WI~:{~~I~::~~r:~i,~gt~~~~~~~,~~~~Nhla Agllemaalll yoo Ole In (laloulI we may; wilhOUl, Iu~hel di'maad 01 nollea, cantel VOUI cIO\lI PilViloge9, deel.,a YOuI AObounl balenee lmmedl,le~ doeenil payable, and U1annY.lemadv WI may hwe In Ihe evanl 01 YOul dalaoll, Ilia ouIslon41ag b11lonoo oh you, Acoounl 'hall conllnus 10 aOOlua Inllllllallhe APR(I) "1010100 In Iha' P1aaneu Oha'g" ssollon of IhllAglaemlal, evan If we hava Illnd aolllo oollsol Iheamounl you ow. ' ' " ," " Clldll Uno, VOUI orld,II,1Ie II.peclfied flom I,ma 10 !I/I1e In a 9epallla nolloa, Wo mel IllQlealaOI doclOIlO youl Ile<iII line baaed on InlO/mellon we oblalned 110m you 01 yoL, oll<illlCOlcIs, Vo", avallabll cled,l" nOlmel~ Iha dlffl/enoe OOIwO(lIl youlorodHllna aad youI Aoooun bulanoe (1""lu<lng IlanllOllo", mada 01 aolhQllzed bol nol yel poIlad) If you .end UI 0 leI I pa menl clllQk, we may Ilmll youI available cledll While We eonfi,m Ihelllle chuck will cleol, FOI cerlaln h009oollo"" availabla cled,l mly be lea., Vou will nol U 10 ""aol, any lIanmlion whl,h WOl/ld O/Iuse you 10 exceed VOUI avallabla Clnd,l ," (Cnnlinllad on lavo,,0115839,9897) P,oml..lo ""v' YIlII Plo~II'O I. POV u, wh,n duo 011 omounl, bollowlId Whon yoU 01 10101'0110 01'0 u.o YOIII A,OOOIlI (ovon Ihho omoun! Oho,pOO"'cood. YOUlpri'lIlil,IOl1i"oll 011101 ho",ocIIOIl' Mid chlllgoo 10 you, ACCOUIlI, olld collocl~1l co',' wo IllcUllOcluelmg, bul nolllmllod 10, Imonoblo ollo'noy, I... dn~ coullootll III you wIIllho ,wi, wo Will POy Youlloo,ollul.,. IIltorrlOy'ti fOlt9ondcourlco8lel, ' . ' .' '. .' . _ _ '_ _; __ _ ',', 4 Oh.noOl, AIIo, Wo P'OVldo YOII ony nolico loqllllod hY loW, Wo m.y chollOo nny po,' 011111' Agloomonl olld 'ilJ 01 ,',0 movo 10qullo1l101l1' 110 chol1llo 19, IMOO I. 1110 PIli, InGo Ollllg" 1IIIcliOll 01 III" AiJ'oor"o,,1. Iho "OW, 1II100Co CllO,'oO colculolioll Will nl~'~ 10 yow 11111110 A, OOOllnl, bOl,n,ol',O, "II11hO ollICllvo dol. of III. chnllO, VI"nnoo. Will oPrily 10,bolnn,. co, 1110,1 ,~IU1JlIlIIWUU VWI.A,CQJllltt>ll[QJjjjJ~ollho chongg, ond WIII.ppl\' Wholh.. 011101 you COllllIlU.'o UIO ,'hO ACCOIi.I, " " , Fo/Olgn EMCh.lIgl'Curllner OOnVOIIIOIl,' IIvO,U UI,. VOII' Oo'd 10llro, "",oCI'ol,' III oo','"',"CV, olhol \'!o'l US, llolloII,lho flll,"100110n, WllIl>o ~IIlVO/lod, 10,', U" S iIolIOlo, DO'O, lolly 1I'1119,0'IIIO' ft I'I UOVOllllllolll,mondo,'ed 1010,01,111) WhOlo, 1,010 1n0, ,kollolo III 0, II., CIIII,O day boIOIO,II,!O l'O,"lftO,trOo'\ ~IOC, O.,'"!O d1l0, ",''',0, OIoQ by olle POleon,l (1%),," 0 OIodll,o 'UhBeq,,",'OI,iIIV lI,von fo'" 0 IOlloocllOll, II Will bo doolOOlOd bY ono polcolll \'1\) If Iho clodll ho. 0 d,llololll P!jiCo,,'IlO Oolc, IhOn Iho o'cholloelllo of Iho Olu<Ji1 COil bo glolllWlen II10n IIlul 01 1110 01101110111011'0011011 Tho CIIIIOIlCV COllvo"'on ,nle on Ilro dIly 1icI101t he I'o.uncllon IjiocoOllllg dol.o moy '11110' flom Ihe roli' III 0,11001 01 Ihe IIlno o,f Iho tron,oollon 01 0'1 Ihu dIllo Ih~ 1101110,011011 r,po"od \Ill VO\II Accounl You 'g'oo 10 nccopllho collvollod om~ul,llll U ~'do lOll '" ' " ., , Thl Olrd: Cllleell/lIon, You mov cnlloel VOIII CIO<I, I PINiI,09,'O,' 01 OIlV limo bV 1l011fy"lAgu., '" w, 1I1'''iI'"d do'l,oVIAO, Iho Oordl') U~on Iho,CO'd eMpi,lOl~'I,ollhe, olld ollhe 1I,I,OOlh IMwlI on II, .. IOI",VO Iho 1I0hlll0 10 lonow 11,0 Co'd Wo mov cOllcol.lho O..d on~ VOIII Olodll ~IIVII.Ou' 01 OIly IlIno ullol 30 OoY' 1I01leo 10 YOU, 01 WlfholllllohCO II P\I'mllled br loW II vou,Oo'd II cOllcollod or ,"0110nOWOd, !iIlOIIC,., C holOO' o"d O,'hO' ',00' Will 000111100,'000, o"....d, ~nv, 1110,'11' ,Will ~onllllllO 101>0 d,1I0',Ond nil olh~r oppllcoblo ~I~, IlIolI,.f Ihll Agloo,n,lol, Will fOn,IOllllllufleelll'vOu 101lnl'n10 VOIII Clodll ~liVll890" 01 If wO,ooneOI 0' do 110110110"1 Iho 00'0, You mov 110 101l{10' Wlllo chook.' 011 VOu' Accoijlll. alld you, lould OO"I~V .IlV ,mij'ed ohook, "10 hoyo I"uod 10 you Pmon,llnfolmltlon) lloOUlllln'o, ,You will ~IOVldo ijl01 loasl10 daV' nolio,o II VOII cho'Do VOUI nomo, hOIl1. 0' mOlllllO addlo'u, IOlopho'o nllrnn.,/A, olAploymolll Olllloome Upon OUI ,oqllOlI, you Will P1~I~ U, aildillonul fmanQlOlrn/O'lI1o\lOll \'10 IOIUlVo Ihu/I hI 10 OI>IOIIlI.IOlmollon "0111 nlholl, Inolijdlllg o,odlllopo!lIng 'goll"19, ond 10 lovldo Oul Odd'o$O ROd Illfollllnllo'l n!xiul VOUI Aceounlio olhol' \I1om'l' JI,o lliO" 10, ,HOVfOitlyou mav 'II , ollwllh Oil! 0/11'101.. II YOII donollulllll VOUloI>hllollon'yri<li7l1iiAgIOe"'Onl,o,I/'pOlVnOIO I 10po' a may lollo<ll on YoUlO1 11110 Bum 0 ,011I IlOpolll10ugOAO"," " " ".., CUIlom'l BOlVlel' Unlu!HOllud U.., Lon; ol,Thoft ofQHooke OII,l\eClrd, eooh Co,d mu" bo'~lloQ on Io<:olpl YOII 010 10lPOntlblo 10' ;aIOQUO'dlllo Iho Go'd, Voul pOli,onal Idonllllo.llon Nllrnbo, /'PIN'"whIOnPlO'iK!o, ocedol 10 Auloll1olOO T.llol M.clllnOll olld oov cllo<:k$ IlIUidlo you 110111 Iholl, nnd k",Pln~vou'PIN 10000'oloJlom YolIl Gold IIJou tl'OOYOI 0' ""poollhol yoo' Cold PIN, 01 o,y unijoOd choo,ko ore 10" Ol,ololln, 0', 1I101lholo moybo 00 unulllholilad "011'8011011 onVoij' Aoooijnl, 011 "1111 ~Iolllplly nolily UII\V oMmg HOD.au.raU Bo wo Con Immo<l.lo~ Oello IlmlllolloO ond \lObIIlIY, YOij Will Phono 0' uven l!rough You 1ll0Y .1'0 nollly Ulln W,IIIIlO, Y01J'ho~hly fOI ulI.ul OfllOO 1190 ooculllng l>efo'a you nolilv UIII hmiled 10 $60 , II you lopo" OIWo eUIl?901 unoulhollz(1Cj ilIa 01 yoU! ACeOunl, wo rnoVlu,polld you, 0'0011 ~'1VI10gO$ Ulltil wo 10'01Vllho plol>lom i. oU,loIIII.ollOn 0' lOeuo VOIi 0 now Oa,d II you, Oald" 10110' ulolell, VOII will ~'ompl~ dollloy all ohook. In you, polI...,on ro Improvo ou,'omOIIO/'llco olla ooc"IIIV, you og'oo IIlnl you' 0011, lI1ay bo monllo'OO 01 lOoOldQd ~:~~:~\,~:I~:f~~,~~WI~~1J.~ J~I~g~::B~'M!1~~ 8W~f~~l~~,T ::~~~~o~I:~Jrri~~: Ig~IOj~~illa~~\~1 ~Si~0~~r'8~~~~nl~~i'::: I~Jr~~~ ~~:il~g,'i ~1~~~o'X'o~~Sri,oo~~ p,ovlded by Ihlld,[>OIIv vondoll, Wo qro nol re,pon.,~lo fo' Iho qullllV, ,oVolll~i1i1y,o"c'ull',of onv olthUloryl~~' you O~co'oIO.Ylo '" " ., , L " 810p P.ym.1I1 Ord', ",' ,II YOII,Wllh,'o,elop PO, yrnon,l on,o,Oh~,k, VO, "I)1IV 'ondl"l a lIop povmo, nl Olda, by Wllllno 10 o. 01 0'" add'olo 10' oOllomol.uoIVIOo,"OI,Od 01,1 VOIII, elollm",1 ,YOII 0, an moHo 0 Olop p,vmonl oldOl Ololly by OolllnOlhe IIl1mbe, III lad on VOUI olo\$lnon, W~on you moko a olop paymonl oldo" you mv,' Plovido VOII' AooolI., lIull1bo"ond lpoclllo Infolmol~n .bolll Ihe cho<:k: ,tho mol omoijnll'ho dille O,n Iho OhOC"k, Iho i1omo ollho 'I ,'0 Wh,O m Ilw.. paVal>lo"lho nomo ollho po",on who 'Ionod II, ond IhO oh~k nU,m, 001, Yo" W,'lIbo n1ked, I I,' oOnfllm 011 olol.lop P!lVlI1lnl ordor In WI ling 1~lIellho.mJtlOlde/' 0,,1f wo hov. II0!.l'C~Ned on o~UoIOdeIOIlPllono,lIh'lIomlO' ~o,Yf1l,.n, oon, oQpfle, OollWllIO ',10 No ,~O eo Wllpa~l)yij'bofPl~, Wo 0 ol,.i~~OPPOilllnIlV"IO,o'lon,'h~Oldd" Wom.y, wlthOijllloblllly, all/ugold. wllllell Ilop paYment O'dOl I/Xlllonlh, oll'/I"'o'pl unlool ill, lonowod III wllllllg " , ,,' , " 811ndlrd of Olre, ilO<:OUIO,'I,hll Aocollnlln,volv~' b9lh o,odll COld end ollock Ilonoeollon' WhlO,h nln, p ,ooo"od IhloUgh II/Oll'OII no, 1101101 OVllolTi"bol,OlllhollOnooollOII' a'o COlllolloolod by 01, Illd boooule nol OVI!\' chOOk ond OOld 01'1' wlllbolonllo u" 1,0nlOollono In VoUI Accouol Will bo ~'ooo"od m.choAlOlI~ wilhOijl OUI nOCl9loll~flvlewlng Ovol\',lIoll1, Ou, ~IOCoIUlng 'y,'orn will 0011 ou, '"onllon 10 co""1l 110m' WhiCh w. will OMOm"o, Wowill o,.mlno olll'UOldollOnl whull voo 'OP.QIII!rol VOUI Co,dOl oho<:kl hovol>oo' loll 01 elol'n, W~ do nolllllond oldlno,lIV I. e,omlno 01111''''1, .naWo Will 1101 bo nogl~enlll wedo nol do 00 Thlo Iulo ollolllllhlO Iho "'i1da'd of Oldlnory oelo whlCII Willi good foilh wIIIIMIIO!'111I odmlll"I,rl.g YQijl Aecounl Bocoij'o 01 ou' IImllod I,V~, on, d be,ooUIU nlilhOl VO,U I conc,' .1100 ohooko nOI Oo,d Ir,on,oohon "iP, I wlllbolollllllld 10 you wilh Ih, III,Olllhly lIalomon!. you 1~041d be 0010111,1 10 onlo' 011 ohock, In Vou, oheok '8911101 01 Qlhe/IYllO keo~" I~Old ollhom You 'hoijld ol,oloVO YOIII olodll Oold c..h odvollce ulld ~u'ohOBe ollpo ~ou .groolo!\I.JC'k~'lolomunl' 8081"111 VOlltf8COld and 19notlfyUI imm~I,8181v of ~ptun8Ulho'fled lIQ[lBsollona ot.mort. ' , ,. _ _:.. ; W~IVOI 01 Cortlln Right." ,\'10 mov doloy 01 walv, onlolcom.nl olOIlV R'oV1910n ollh19 Agloomonlwllhoullollng oUI IIgllllo onfo"o II 01 any 011101 pIOVi,lon fall'" You Wllvo: 1II01lohll0 p,olonlmonl,domol)(l, ploloo!. 011101101 of d19honor; .nV .pplloobll ,loIUIOp,' IImllollon'; and .nv Ilghl VOUll10V hlVI 10 flqUlle ullo ~Iocoed ogoln't anyono l>efore ,1'10 fll. oull ogllOOI yoij , Applloll>lo LIw,8IV01.bllllYl All1onmonl, Nom.II" whll' you IIVo, Ih19, A 9lOOlOonl and VOijl AOcoo,nt "OIlOVOIl1,Ii,d, b1, IldolOllow, Olld,bY Now HOIllP,hllolow, Thll, Aoioe,.",'monl, ,II a Itnol o;p,...lon of Ihu .gloomlnl6GIWlln VOU and u, and m.V 1101 be eo"lo~oIOO by IVldonco 01 onv ollilgl<1 ololoOloomllll1l any ~Iovl'lon ollhll AOlolmonll1 'lIeld 10 b.,IIVolld 0' , unonlO/cooblo, you 'lId WI, Will COOl!<kil Ihol ~1~lIlon mO<lllod 10 cOllfolrnlo 'PPII'o, 1>10 "~, o.d Ihl,,'.II,Ollh" PIOYI,"Ono IIIlho AgI,oomonl Will ollllboo, nfo'O.ol>lo, A,I MY lime oltor W, I,' dolOlmlllO In OoOd fOll,h Ihol onv P'CPO, IId,'~1 onool.d 100,,1"1011, 100",10101\' oollon, OII',ldICIOI doeleron ho' 'O',deled 0, f n,'oy ,,"dol anyrnolofl"~, ,0vlllQnl of tllll Mlotmlnllnvolld 0, I" , o"elllolcoobla, ollmpo,. onv IncloOlOOlox, '!l1'OII,ng l&qul,amo.', 01 olhll bllldon In colllleqllOn wllh .ny ,ueh r'~I"on 0' III onlo,cernOn!. wlrn~V' dflllOII.ool3D daVI nolloO 10 YOij, 01 wllhoul nollco II pe,mlll"ed by loW, oa,ncollho OOld on~ VOUI C(od,' pllVlloooo, W. mOV,l'lIo;lul Of O"lon QIII 1I0h 10011 OllOll1e of,YOUI ~ovmonl',' 1111010 I.w loqijlllllhlll you 'oCllyo,nollco of ,uch on 0 110 ploloollho Pu!OhOlOI 01 811Igll'0, WO moy glvo you 'lIeh nollcol>V 1111.g 0 flllanclno "ololOo~1 Willi Iho,,'olo'l SbOloldry of SllIo , Nollon, ol~., 10 y. Ihllll!o 1"1 whon depo,I umeil odd,ooOed 10 y,OU, '"h, 0 Idd,o", ohOVl,n 011 001 'oooldo, 111110" olo,ngo, nOllc,o POIlQd I'" "po<:lfio,d I,n Ih,',IA,g,'loemonl 01 ~'~W, W II upo, mllll N2!J.Sl' ~"~ ollod 10 OUI odd,o" 10"c'19lpmol IIlVloo 011 VOlllololomoll1 (01 olhOl,odd""o. w.moy ,poclfy) alld oholl ~ ,elIOllIlVo WIIIII YOUR se, Thl' nolloo oonlolA'llOPilrlonllAfolmellon 0110111 YOulllghlo and ou' IlIll>O"'lbllille,1 Uhde,lhl ~o\' Oledlt, 81111n~ Aol NoD U. 'nk, V ou, bill 10 WIO'U,h01If,YOII n,a odmol' 111101,,,,, ollon ,0110, ,ul 0 nY,'tlillllOOllO nOn v OU,' 1>,11,," w, Illoij,/ on 0 lips, ,o,16,"lhe", 01 011' add, Pilltlblo, Wo IOU" eoUlom YOU no 1116Ilhon SOdav, allol w. eonl YOU IhO filII bill on wh~h ho allO'ol p'oIlom : , , ,y' "~I,~v~ It~~~ '~I~~'Jl~1~r:~~ ~OJ~~g'~:~\~~~~oll:'~~~:~%~ ~1~~~gS,~~~ ~~r~io ~~~~dollal"~~ijnl 0 Ihe You, Rlgh" .nd Ou · pon"blllll... ANo, We R.colvl Yo. ,m.n 1/0110" Wo mUll ocknOVllodilo YOUIIIII" Wllhln 3D daro, unid99 Wo 1I0vo, cOlleOlod Ihl ello' by Ihen, \'IlIn)n 00 day"~ wo mll'l ollhol COll""l 01101 01 O'~IO'",WhY wo bollovo IhO, iJll W~, CO, 110<:1. Allor wo lOCONO VOUI'llIe" W,I,O onnolll\' 1000110<: oilY omoijnl you qUe',1I0Il,' or ropo" VO,ij a," ,do,lInqVlhl, W,o ca. :':~oufn~~'ligo b Iho olllounl X,111 ft:1~d~ol~~~i~~J~~1i"'11 C~.! ~1i~0~~re'II~'~no ~I~I" r~ X,,"npo, ,'d .m,OIlIlI, 6.ge"n'll vool ClOell',I,n,o,' YO,U, dO '0,', h', ve 10 paV 0 nv 9U,01'IIOH,ed am, ~,nl, .whlIO, ' IIw.11 ,. 11 bill VOII Will ~ ov ony IInonoo oholg 0"'01. d loonv ql!O,ltlon,ed omOU,OI./'W, 0 dldn,' Irnnkd'o rnllllko,' you me v, 'h~v.. 10, po V,I'n"on~ICIIOI900' on~ you 0 ~ IUl.'I I . OAlounl. In ollhol CoIO, we Will oOlld you OIlololno.1 0 Iho 'mollnl VolI OVIe Olld 1110 dale 111011111 dua. 1 vou Ilil Ii ~IV Iho .mou,' wo " 0 Ii,' 01, "0'" oMplonOllon donI Oote., 1I,1v V"OIl, and vou, WII,IO 10 UI Wllhln 10 da, ylloll1l10 Ullh, 01 Y,' ou 11111 lofuIOlo pay" WI mij,lIol1 nnyo.~ yo 1jJJ"lolI U Iho n"lmo of onV,o',1 wo !"epo, , IIOd,' y,Olllo.. W,Q m, U,"loll o,.,n, Vonowo lepoll YOII 10 Ihol.lhe 1001111 hal beOneelllOO, ' botwoon I '("" I W n' 1~llholt"'$SOo"'heqijOollonOdomQunl,ovonIlYolllblUWlloonoot. "" ,',' , SPI.,' 'LJJ ~ n; I Iho quolr~ of Iho plopelly 01 ee,vw09lhol you PU'!OMlld WIIH OUI 010<11 061d and YOij havo 11100 In 000d flllh 10 OOnOOI 1110 p,oI> 0 I lAvA ounl {Juo on Iho 900de 01 '01\110", ThOll 010 1"10 IImllollonl on Ihll lIohl (0) ,~QU muol hay, modo Iho pUloholo In VoUI homo" Wllh UI ho "0", Wllh n 00 mllol 0 QUI oulllnl moiling OddIO", lod (b) Iho pUlcho.. pllco mUll hovo boon mOil Ihon $60 ThOll fimllatlOnl do nol fIPPiY IIWo CIIIn 01 opololo Iho mo'c n 0 If wo Ilod you Iho odvell19umont 0' Iho PlOPS'fy OIlUIVIC.. ~ ,,' "~'~ ~., " ~ - ~.. t' . t::f:J ~.'.$' ~,~~ ..'C$'".'..."P.?,N,'t~',! "'S"A Tt'9",~..' ....... 11f."""'IE!f' I" ttl't"'~ II Il",'_'i , ,PROr ONO- (") c_o~ '~-... j ;-0(1 ' "'}(!I <,~ .J_' _,'I ~~J :., (,:1':: (~ ,;,,~ ,:om ;It'4 ,,-< ~~ ' "'J !i:Jl ')'IJ ,'" .., r- ',. Cl 1}..1J "'.i:Q C" } i' I'll . ~ ~1'" ..'1 .... -. '- .:., ~" ;-~ ( :~;(} ." v; ::] ..... r.- .. :'{1 . ~\ -~ ._i . 0~R/~2YIDIA~ '. i. . ~ '. '. " '. ',,:, . '.' , ." . ~"J ",'; 1\" flI"') fl'l t\;', .~,' ",', ~'j ...,'/ "'I ~'j ,,-:,', l\' 1"'1 ...' 1'\' ~"'" Plo,Klan Nahon.1 Uenk VIBMI Or MltlorCud<ll Accoun' Accounl AO'otmonllol Robel' A Manoano Aplil J, 1l/90 Pla8la ,avlaW Ihil docvmanl.11\l ketp II \11111 ynv, I OlhlllmP'lllanl papell, Thl', Accounl A9'..mlnl conl~in,",h8l,OIm. which 001", In yOVI P,ovlclan Nal~"al B.lnk VIS, A 01 M"".,C.,d Account (Ih. 'Acenunl') Tha ACcounl.11ow1 YOV 10 mjk. pu,ah..al ill' u.,no YQUI VISA 01 M8IIIIOard card (Ih. 'Card') wharaval 'II' honOlt<;l.l1\llo 011 c"h .ct;,ne.. 110m u. 01 ,ny Olh., ~1I~ip"'ng llnaneialln.lllu1i011 .l1\lll' am, AVIO!1\, , .,Id T, '11', I M.chlnl, ',' Oony.nl.nc. chock. m~y al.Obt, PIOV'dfd,'O' yoU II an,'del, 11110 ',n," w,.",Y 10 V',"ht, "A,C"C ovn I, In, Ihla, AO, lit, ',m,' nl, 'Y,W and OUI' m.an aech PlIlOl1 fOl whom W' h'V' ,~nld. clldll card Account 'Wa,' '01",' 'ou",' .nd 'V.' mean PI\lVKlian N.llOn.1 B.lnk 0111. ",19n"l, ..1I.led onYoul billing "".m.nl Th' cownl may bt uted 0I11y 101 PIf'OMI, f.mIlV" hO,U.thold, .nd ohanlabla P\ltpO', ",', .nd,no"I fo/ any bu""," OIoomm" flC, 10,',PUtpOlt',',A, ny u',' 0 Ihl', A ccounl 'h'lI CO,n.lllull 1<<49, III,~' ollht 111m. ollhl' AgIHm.nl, You and W"OlH'I loIlow.: ,,' .. ',".,,,., ' . ' " .', P,'YI m, . nl., YOuW,1I I~ 'IV,', 'mOIl,' ,',I~' l'I'I,m,.. ',n 1,,1 hOW I~O YO"U,'OUII, la,n',cln,, 9 be,l',n c," P. Y, m,nl 0,,0 Ihl. AC,e ou nlll 1~,I'ed",',nU$,doI,I',:II'(e,h,'td",kl mU"llllt ,PI"Y,.'~b.I' 01. U, S,'8Ifi,~,' Oll,h,' bt nk Ih. chtok II drawn 011) fol .1 ~"llh' pa l1\.nl dIif II ahown on you, IIIlam,nl by Ih. parmlnl dII. dala Ih 'CCOldanc. \llIh Plym'n1Inlll\l9llon' on YaUI mOOlh 'l'lam.nt. onvanlane. chook. Irld olhorohook. w.lttu. 10 you m.nol be ultd 10 l.k. Mf ym.nl. OoYOUI Aaooun 0110 make paymlnll on.ny Olhll ICcoun\ ~ou htve Wllhu. 01 OUI .Ifi "III, Th. PIIym.nl dIif will be:, , 20% of Iht new bellne"hqWn on y r .!tllmanl (0,' ,2lIII"I',n A"nnu'l P.,ca, nllp' RII.IIlbI, led, 10, VY,oU,",',ecOynll' h,~ha,lIha,n 2c~lIl\, ), p1U"'hum"oun,I,J,' ',n,Y PI, 1,1 dIif, P!lYm,.nl','p1u,I'"lh,' .mounl by whicl1lht bt" .xotfdj YOU' Ifdil Inl, HOV(IVII,Ih. paym n due \1111 001 ba,lelllhan 110 (unlll' YOU' now ....IIilQ.1 11I1~n 1 ,In \lhlohoa'lh. m,nl, Will bt IlItamo unl ol'ho new ~ I', ne.rt, i' O,U"'A"e".,m.,,.n.1 f., ~,',It dIj", ,,0, ',libOV"".. Ih,.e,'icl"" 1,~ln,,'~' ,.,m,.",Y .lIQU, II..h~ IItI,m. I,n 1mI' III PI. "Y,m ',nl,' b"u,l,W, 1 Will nq"ht,YOU"" U,,',OI,. doI"",no".' ,,10,'" 'f",.YO",I' n."~,,Ym,. n" I~l.m" 01' IIIIn Ih. paym.nl duol' II will bt II ,lid '16,lnoll ym'"I.ndllOl\. 01 II wlllba. ~~ 10 MUI. PIIym,nl. duo, W~III'y 1001ll11tl.,OI p,I~1t1 Plym.nlt, 0/ ~YIlI'nll""lkWptld In I'll' or m.rkadWllhOlho"HllqliOl1l,wll IloIlnooul.l\I 1I000IlOI'II"mounllowlngUo.flhl',~Qlllm.nl, " ',,,' '", . ,," ,,' """'" ';"'" :', ' "Cmlt R.vlewl BPIllI., RMulllm.nt, , In 01,0.110 klttlYOYI Aqq,OUnlln OOod, ',.ndino, 10, U '0111, nollo '~nlfl"nllV Inol....,lh,..m, ounlor YoI'I 10111 dII1l on unl,lO, , u,WI Il'/flvltIG,lCCovrol.... W. will rlVlaw (OUI Aaoounl 'lid 0111I1 p/Ofilt'<l\lt".11Y 10 av. v.1.lh. ,1II0unl YOV owe "ltllv'lo lho,~mounl olyovllhtn Cy".nllncoma, IW, 99!1'IdOI.n IOCII."ln dIlll 0 morc.lhon U,uw 10 bt .Ionlflean , unl... You hovo.ufjlCllnllnoom') II w'll6ltrmlna Ih.1 your Mooun!llilQlln Oood .I'~no, youI Annilfl Pero.Ntg. R.I.lIAPR! 100!lllrpho"li Cu'lom. OI.h, ,nii OI,h aWanell maybe InOIl..ed, "," "''', .'" " ". ,,'. ' ' ,I":",'. ,". ",:< ", ,:" Pln.n.. OhllO", OXOllP,1 II do,CII/Id In I : QrtOl, Plllo, ~ lor puroh!ltl ,ooll9n 01 IhItMlllm.nl, ~n'ilQ~QhoIO'" In 10,10011',' on . cjtllil \lh,.n"III',IJ1OI,i.tdtd,', ',I,M,I h,,", I Y,OU,' dlilly bal~nOl' .nd 90IIlinua unllllhol bal.nc.I'1 . P4\'manl 010111I1, You, .COOUn hlllhl.. bel.ncll:: I. ' " ,,\lh~h 0001111.01 WIOht... YOU m.k. Willi you, C.rd.nd III' fOI OOllaln ",'~nallalV,,",; Ih. Ianat, whICh oonlilllol unllOulad 01141 Clld be , no, " youlln.,.,lo Youl AcoounlUllno bal6noH,n,'" olifOk..n<l btl.ne.. Ihal wa Il8nllarter You;, ,', , mlOh COnlllla, ohll olhl! OIIh .~.tlCl"AnYPlYmcnl.mounl W'IIO'l'!lIhlI9xc6ldj III.fintilQ.Oht'Om,.nd I... Ih.n duo will OI<Inarlly bo 8J)Qiitd,' ,nllllo Ih,' " "W, '" IRl~n,U1lh.I,B.lltnc',,1t 1I10'!.n, d Ih.n 10,lh'~,I.ne, '~'h Ih,' n.~I,'IO'Ii,',II,APR, u"W,lh',"1 Bata",ilQ..I,IIII,9,"", ,Ih.n 10 .ny, ramtln'flll B.llane. W'"1t "111 I h, 0 tiPtlIY ym nl <111', nl~, Wllhoul furth.r I~I,. hi PUIOhl ., CUllom QII Mi. 01, Ind C..h Mi'ilQ. "ltne 'I" Itd\Io ym.nl. aa 01 111I dale lec.lVed, and~, ,or~,,11 (.xl~~II,OII", .;r:IJ, 011,'!.. OV,I,f'JIIJIII,'n~ 1Jl11O.I,I,.n'liulO,III"OIl) II Ollh. dal, peal, ',PUIO~I88'tI., InolU9t<l, ,In you' PUIo,t ",, 1M, It,n 0f1. 0~1it dill. ; mada CUllom OIlh lOI.nell .r'ln;Iij~ In YOUI Ou.IOm, ""hMi.net ea!"'OI'Ij(~Iow': rvnlN'ltol/on~'ilYI"nlmlllld 10 olhll "~I'IO Ilon.,.1 btl.ilQtl,"'orlh. dol.lllnllJlltlld, chack. 10 Il8nlf.rbtle~" II 0, flh.!1t Pf",' .nlld" 10,UI, Olhtr 01, .h .ct;anoaa,B,", nc!~ I,n YOIIr.Ol,!h,A, ( ct;,.flQ",llllllilQ,... IoIlow, K ",'h !IIti,.ilQ"., ',,'lornolh,1I fintno, 1t',lnlll!I~I .nd ' IhlOUOh Aulomaled fll"", II ollh. I. midi: aahl!lv.I1O' OhlC~' m.~ ylbl. I yoinh.III"~n Jntd .0aall!,I, ch~kean4 m'lIld 10 ou _I OUII 'i',O'*.n ..n"lh, dal. W. pnnl 011111. ol100,k"lI Olh., C ,tokMI Orlho dl!II,P ""nlad 1,0 ,UI, em, III' CItbi,' ~"(I,X xcclfll fO'lllI',OV.,.rr,mll',finll19" .nd ml'i:tll,.n~u. O,~IO,"r all I="~ In ~OU,'fiUI,O II, CU, 'Iom Cllh A~.noo, or Caah A,ct;ailQ.lltll",CU,I,Ollh'"da. ,I' PO,,' II~, . ,plnan"",c,.I,O",h ",011 " "", ft\I;lad,' ,1,0" Y OUI, p"u.,ehtl8:, o",ua,10m CII,h,A,,<tI.not',,'nd 0', ',11 A(t;onc' Ba,la,ilQ" II ."". O,',h"llaY ',nd" .t'lh', n poitadonlhalllldayoflh.b1l1lnooyCI., Th'" .!100rtC.PlllodlOfCulOmoaah./ti.ncIl0l0Ih"CIIII.WahCaa., ..'.'., ".', .",' '.,. ,',,, ".. ' 10fte UII Iha dai~ finane e' ohl,O' 10,11 P,UlOh,',IlI,' Ih'dII,IIIY" fil,n"I, not,' ,Oh"O,",',01, , CU!,IO/11" 01111 a.,w, .n,c',I"'"~ih',da ,llYfin,."nc.Olll" 1,,0,1, lOf O,lh,' ',' o,a,'h,, " ct;,.no, .,., ',',W',ll,..la,'"I,W,llh, Y"OU,r"g'av 1ou',I day,' PlIfCfi8llllal,noa, Cu"om C..h AtliInClllt~nc~, ,MCllh Mi.nctB.llanee, 'dd all debi!. and ,ubIIBCI.1I oledil. fOI m. CUI,.nl dey 10.lh, IIfI)liCtbi.lltlano. (f! '1iP!'U Id In Ihl ra IIph 8I>>;')'nd mulliplylh.nll.mOun ~ I eappllelbl. delly ~,locI III' (all lolloW, par. "phi), Th. fin.no. c aro~IO! ulchll8afa'lh.n.<</tiJ 10 llicIlnol~ In 1111<11 . ~'C~a81 B.l~nea, Iha finano',, 0 halO. fOI OUI, 10m" 0 'h,' aw.~,c, .,',. !. IH,n .~ 10, .n,d InelU~, n Ilia, f dli, iV! CUllo'" ca, Ih A~", .n,c,' S~.ne'h.n~ lh. fintno. Ohllga, ' 1O,'Olh".,' O,.,.~ 1!Iv',~oaa la lhan added lo.nd InolucUd In Ih.1 dlY'1 Q"h Alti.noolltlanot W.lr,II.'OIadll \>alane! 100.ny <lily allflo, wa ~lIlmln. !h. finance 0 I,IU" on youI belBilQlI lOllh. bllllno oyo~ IlV adclng 10gIIh8llha finenot oholO, 100Pulon'II' 101 Itoh sItY wllhln Ih. QllijnoOyol., Ih. fin.nc. ohlioa fOl CUllom ca!h .lti.nuaa for .ach deY wllhlnlha b1I11!1O OYCtt .n4lhal[nane.olltroe ler olhal call1aw~'19'' fOI "Oh,daY,lw1,lhln,lh,' Q,lIno OYol..!n o,ia~ul'ilng'fin'II9' Charg",.n 'd!ulInl'nl WII,I be m.dt, '0", ny lIan','"olion, olP!YIJI'"llh',I.WOUI,~ II', Y', .,IIO,lad,',lhl, financf Oh.lo,a, ca~ulalion In a PlIOI b,lIIing, oyol. III, d 1\ be, .n, POI", It<;l, If,r n, IhaIOy,'O,la, T,IIII8, pPllC8b" I'" da",'rv PI'iocl" ,,0 I"a, I. 101,1.,,011' IIIn8lollon" w,lI be, ,',I, h, ",','''',n. al,lao, ,.1,101 11I',CU,II',n,I, blllino, oy."CI"." I', "lilt, 1.I,hanlh', 1I1..ln affOClonlhadalaollllalrtnl,Cllln,. ,.,.'..,'. .: ".':"",' .', .."''',. ,," ....c,.'" ','tJ, ';,;," .' . ' To da,larmln'lht avllao' dlilY btltnc. '~n on youI ,1.I.m.nl 101 PUIOhll'" add 1I0h dav. Purch". B.llnll4f (including dillY fin.neaollalO') In Ih.l>lllIng oyclllnd divi!lo !WIlli n4mbar of day. In Ihal>lllll1ll oyola, To ,d6ltrm, 10.,lh', 1II,"O',dI!llYl1al.no"hownnn, YO,UI '1,II,'l1\an"llc,lf,leu'lo, ,"', et'lI.tI,I",nnc',"", (jil'"h dl!Y" cu., 10m, Ollh, A, ct;, anea ~I,'.noa,!Ii\Q1,U,\lino \lI1~fin,lne. chaloa) In Ih.IliDlno eyol. and dIvldtm, 'Ih. nUllIbtf6flla'l.ln !h. bllll"O Cycl.: TOdal.rmln.'haav,rao' dillY bel.ne. .hown on YOUI .1.lam.nl fOl o..h l!Iv.neal ~atQl\ ilIY'1 c.ah Awanc. B.l1.ne. (rnolu<in delfin.n .ohinln I"'billlno oyol"IJ<I,dlvldt bylh, numlillOl yaln'lhallinl~cla: You oan Mull ~..on 0IlhIl8lVII.' _ dIIl~btl.no.IbY 1110 numbel~1 \l8Y8ln Ihe bllllr\Il oyol. a~ by ~a, .,,' ~'QI. ~" M",rtodlO f"',IO" oIll,"," 'iibl,9, le,,"I.nd III,',," .tkI'" '" I"h,,''',', ub, iCr\,I,'IOO'lh", 10 c1t"I",lIm~"'ha, ',10, I','.mo, U,nl of ~n.I\OI"" Chl, 1\J.".on, ,YOU"I,I1tI.ne.. IOIlhob"lrngcycla lfaClth.w.anc l"molllnfttl.ch8lgld,lh.l.mounll88101fin.nc"oh'lgl, ',,'. '.', .' ,'< .",' Tha larm :Pllma Rala' .. u.ed In 11111 AOlllm.n! mllo.lh. h~II'I' pllm' ilia pub!l.had In The W.II Stroll Journal onlh. firll bu"na,,~y 01 Ih. P'lVloUi Clla~1 monlh, 'Any Incl""o, claclla18 ,n ~ V8llablo Annv.1 Parc.nl.o. M'!lWII!.I.~. ,11101 onlh' filtl ~r of yoyrb!JJlng cycle .nd may 1..~II,ln ,er~lIllnolaae.oroaol~mlolh' .mounlofYou}.IIII~lhl4.11\ paym.nt, You oan arranoalo hava ayari8bja "" IOIllIIreh....whloh 1,IO'Iiar ,lhlnlh.lowetlnon,lnIlO<;lJqWtAnnu.IP,'C.nlag. RII' ('A~R') you .1. ~Ylno on 'ny'ofyoutOlh.t or~tcald IQcovhla, lhl. APR I., availabla 0I11y I YOUPfOV ,Ida" rII, OOio,,' ,lnl~'(Olm,'21f COP It, 80f,'Y 0, UIIJIO',I roo, ~n,1 billing ,.I.I.m.,nll.,hoW" 100 .Y,OUIOlhll,no n',lnl,I,<XM," ",,1,0 ry N1 ,FR"YOU"I n,' W AP ~1'i1!Ui~~,Q,"to,',.,I,ln lho, b. IIl1ng cycla lollowlng ou, 1~lew O~OUI~OOf'\I"III~OUI nil\' APR.lakll.,facl,OI IIw, do nOI,'iC"illJI' 0 Youllow,,<i\PR you, APR rOl purehll.1 \1111 be'lI IoIlowi:Tn." UAL, PHRoaNl'Aae RAT,HIAP (or re,h, ..,.., \I, '''.JY, ".,nd m,8Y, bo,a,~, U,a"IId,.",. O,",bbl,JJI,nnO",OY""e,'QUP,'i 07"", ,,',ll>>i, a" Pn",m" '" R,',I.,,', b,UI W"llI,l,ln, ,no, ",av" anl,be, 'IIIIh1n,10,"9Ol\", i 'U, ','",no, ",I"",'" fO,,'m,,~ "",h,' APR fClpu'challlln IhaAp ,,1 blllno OYolt 1I~,~,'QOtrllPOndinUl? '~11y ~llOdIo 1~I,oI.9, "..' : .'.' ..'.. '. '. '.' ". .,,"',/," '. Youetn arrange 10 hav. e,Varlabl,.APR ,~",~Iow," .",I"2"~)lIIIIII~.,f,,,I,,ht ',n Ihl.vtr,',O,' . ,no,', n.ln,IIIIOdu" 9,IOIY"AP,RY,ou',hlV.~n PlYIOO OO,I,halOI'lbalene, tavo,u hll'IIIO',", /ll<I!,'Qhl, O,lh," clO<lI card oocounll P/OVIdfdYoul olhar . nl',\la,. OPtn Ih'ApIlI ,1UllaUln oalO!ll.tlno Ihll APR W' \l1I1I.kalnlo 'coounlM APR,on !h.oltdil oal~ IiIlinetl Y.O\I hlV.lIilnlfOlledltO/ll olhel ~ndara, Thl. APR 1,IIValltbll, o"n,N 'I~, 0,1'., '.rII"OV""Iclt,','..p., roo",',','I',I.nn".'I,lh'., I,O,II1\',O'"f.,O"OIl, 1.",.""O.h,Y,O,UI""m""o, 1,1,",.10 .".'OI.bi"III, n,OI III'.'I..m . nl.," ',...ho'II".' 1110 YO, .\U,'"O,",h ",..,r""no",..,n ,.'lnIIQdW, 1,01'/"", ^'"P,.'R .....n\lW'I!,',.I".,'K'...'"..II aq. 1.ln.l lilt" billing cyt~ anar you PlOVIdo mool" HOWlVl .lhllltill1li' WII nqll'k..lf~1 belOltlh' 20nolul~n 01 Iha InlfoiiuOlO/Y P.lIJQ\I, If wa do nolr~itlVit l\I9h ilIoIlI YOIIr,A~R 101 oUllom Olin .w.no.. will be 81 lolloW" lho ANNUAL PSRoa lAO, MTa tqr oU,lomOfl.h.ct;anetIlUl,9Ol\iCOllllponding,IOU,,1y ~11odio III. 9',oecooI\, "".", "t' "i' ' ' , lha ANNUAL paRcaNl'AOa /lATa fOl ca.1I t<li.ilQ" II a1,QQ\l,.Oo,llt'POlldinO 10' del~,"'!I<<!q rti.ol.OGOOO\\' ',,',..'.. " ,T/, . . II you do nol comply wllh lho lamll 0' Ihll A9tll[ll,.nIYOYl"NNU~L PSAOm!lTMI,B MTS fO/DUiah....wllllJo 18,1JOli oorrllR9l1dinOlo . dally 1lt11Odi0 1'1.91 ,1)&170'4:an4lho APR fOl 08.h aWaneaa and cUllom O"h l!Iv,ne" WJJ,b.~.~" ,a, .00I,",POildi ',10 ',10' da"l" 'Ill,'" rloell, 0 t'fIOI~,48I\, W,a, ""IV, ..Iht IluIII 10, Oh,.ng, . 11I',Mn,uarp, , ',,,.nllO, 'R"I. oaloYltt, 10"', I,ll Y,OU,do" nol COInplyWllh lho 181m. of Ihll AQ,'ltm., n, 1"Y,OOll"r"A"oaoou"" n,l,mm,i ',Y",~Ilt,! ~,lll', IOII"".,IO\Y"",I,IO, "YII, I Ar"R','"", "YOu, haY, ','I!1,',I.lho",III,IJI.orw. A, 01", 1II".",I,IOIlh,',.., monlh,'< If"'YOU"",OO""hlitC,, I,YI". 1'11.1'1,"'" 18V!lWYO\IrA_nll~dalllmln.yoUI.,~iljllly!fol!h.'IO'iI",APRI,.,.',,'," .' "",>,,,,,,..,0 ,"', ..'i'/ ' OIlC. Parlod for P\lIOh., ,., "', New, /lure"'" ''',POIlld, 10,' YQUI, AOO~u,n,lIn, b, 1,IIIng OVOI',',,',WIIII no PftllloUt, be, I.nc., ,01 wh,.n,lho PIOVIO, U" ,. bll, ", ne.,' ',WllfullY I>tlll dUHng, 1IIt00, 'O,It.do no, I tJogl~ 10, ' Inc:UI a fin.neo charga unllllhall.H 6f Ih. 011<1 billing OYOII, You \l1Il Pty,no,nn'ilQ,Ohllgoon '\I9h nawPUlOh....lfYou P.ft Iht 10111 new bel6no"n lull bylho p,ym'nl <m dall 'hOWn Oh your .Ialemant. New pulch.... POlled I~ any ,Olh,f\lllllt\g OI'olalnoUI. fin.nc. c~a'Q" .ndlh".I, nq ptl~ In Whl,oK .ueh pu!ch....maYbI lapald,)I'lIhoi1llnoW'Nlflh'noo OhllQa, Fill, W. Will ch"g. You' Acaounl up 10,,$2. 4,1or1~,' oh C,./d"YOU"""".,I.,k,U. 10,1!PI,' ,itC,.' ;,' ft,O,h I l'IU,Il1td,PI, ym. n.,I,C,lIto, k, ,;,e"o,h ',9, hitCk YOu \1111,', on YoUI ACCOU, n.lllltl W,"',I,UI=" 'U,"Id :,"ChIIOP'" ' paym.nl ordti 01 lanawal 01 .uch In OIdI'm' ' ~ 1II!1l1 ey~I' \l1I~lnwh~h you, Aooounl ~ dellnqu.nl (ltl' 011I10.1: an<l'Ach QlDlng eyel. wlthlo \lh~h YOu'l1tlftl\oi.~ . YOUf Ofl<lllll1l, IVan 1l1OUI Acaounllt clolad, II YIlII loqulll 0 0""" ,1I1(19",i ""m,."n,'. ,Ihll, W',I' fil".,..n,IIO you mOl, .11I.n, I,hl.." m, O,nl"h, . all,'III"W' mey,O,h'IQ', a h'nd,lno,'," O,'f $2 10,',.,,' ',C'lJOh oopy, A OIah aWanee(Hol2ll(mlnlmunm,maxlmum)meybto IIgedforllohollh.ct;'ncal"nI80IiOl1madaonyQu'Aooounl, ..' ", 'i", . "", ,., 0011, ull. You will bt In dalaull: lI.fIY InfOll11.I~ You P, rOVIl!;d" UI PfOV," 10, ,bo IMom,p", 1,00,~nllu.; l,fY,OU,' do, "no, 10, omply \lI,'h, .ny, PI, ,II 01 11111 AOI..m."': ~,' your iltt, Ihl"bt,nkll.\)lW, " 01 In.oIv.ncy; II you do nol PlY olhll debla wlI.n 1M; II a benkll.\)lOI' PIIllliOI1,ll filad ll\I or IOtln.1 You: 01 II '!Ia bllllav. In GOOd I.llh liitl YOU mlYnol P.8Y 01 Pllfo'mYOUI (lQhlltllOnl411dt1 Ihla Aglllmantlfyou all In aalaulI \I' m.y, wllhou.1 IullhOldtmand 01 nQI~', cane.1 youl ol~1 PIIYIlIOIt, ~IIIa YOUI Aeqqunl btl.nc.1mmodi.,1.rv !lul'/lll Ptyobla.~~ u.t.ny IImit<li w, m!\y hiv., In IhalVlnl 01 your dlI.ull, Ih.oUllllnclno Qal.noo on youI ACoounl!hall oonllnu, 10 1C0Iu,tlnl"..,.llh. APR(I) (jlc~Iit4ln Iha Pln.nca Qh.rgll 'IOI~ 01 Ihl. Aglaamanf, lVen II wa hava fiitd IUIIIO oOlloolthllmounl you ow.,,' ' . " , . . '. ' , ' " ' ' , ' Credit Lln., Your cladllllne I.apaclfied f,om 11m' 10 time In '1",,11" nol~a, W. ,may Inelliea OId,OO, ,Iaall YoI'I 011<1, 'Ilin.titaed on Infolm, ftllO, n, wa oblain.d Irom you or.youlclodil '10, orela,' YOUI avallablacllKll la nolmally Iha <IlIellnea btlw8ln YOI'I cladllllnl.nd YOUI Aocounl ballno.!lnelud,ng lIanl8ol~n. mada 01 .ulholilad but nel YII pealed), II you lend u. a "'ga P!lymlnl ohock, we may IImll you, 8Vt,'tllla cIO<lI whila wa confilm Ihallho chack will c108l, FOI cortlln I"n..ctlonl, avallabl. clad,l may bol'8I, You will nel u ' 10 honor, any lIanlaclion which wouldoaul8 you '0 axceed YOlu'81labl. cradil .' , I! riB T , , I. . Proml.. t. P.V, You prom". 10 p'Y u. wb.n 00. IlIlmounl. bOllOW.d wb.n you 01 ..moontll" un your Accounl (l'I.n II lb. .mOl,nl obliged "CHdO VOUI Pllm".ion), III 'bUIll ' IlanlBChon. and ob"g.. 10 you, Account. and oolloollon co.:. w. IncUI Inoludng, bul nol hmllld 10, loa.onabl. allolnov a 1m and COUll ob,11' (II you Win Iho 'UII.I\" Will PlV you~....on"~I~ allolOo1" I..und cooll co.I.) " . Cb.ng.., AIIOI 11'0 plOYide you ony nol~o leqUil1ld by 101\' 11'0 moy chlngo ,ny PIli 01 Ib" Agl..monl and add 0' ',moya leqUllom.nl. II I.Qh.n90 I. m.de 10 Iho P1n.nco Oh.r8~,!:J\'gn 01 ~~'tji~m.nl, Ibo now nnanco ch~R:~~clIl.hon WI1I8iiOIV 10 youlonhro ACcounl balancalrom Iho oflOCIIVO dol. 01 Ih. chongo Oh,ng",wlll'ppry 10 bol.nce.lh.llncludi 110m. oonl belol' Ih. ~Io 01 11\\ ' ond WIII.ppf! Wh.lh" 01 nol you conllnu. 10 u,'lho Accounl " , POlllgn "ch.ng.,Ou,r.nov OonvIfllon, ,II you ull YOUI 01, rd 10' IlIn,lICl~n. In . QU"'ncy Olh',"h.n U o.QQ, II.,'" Ih'll.nnc,',onl W, ,II be convOlled 10 V a doll'",',o.n'"I~ UII"8 ',11"" . III ooy"nm.nl,mOndelld 1111 01 (III whoift.II ml,kfl'rl.,n .ff~llh, dav beIOl'lh, "lnllOllen Ploo"""8 del., ItlQlO1l1d by on. /Illlc.nl!ll\) II. ort41I" lubll<lUlnl~p,IV.n 101 I '~n!lCllon, II will be dtc....ed men. Pf,IC 10, Onl,\ ,1\, \' I IhHIl<l1 hfll',dill',IIInl PI,OO',""IO dill, Ihtn, ,l,hllKOh, ,.no~ III. 01 Ih, ',' cIl<ll.c.n ill gl"III~', ",lb,ln Ih,.I, ollh. 01 nellllnlacllOn Thl cu".nc,V conv,"ion ",,1' on the dlV, be, fOil h', I.n,!!, ','IIO!\ PI, OC'"lng dill m'Y,dl"" fiom lb. III. ,n .IIacllllh.llm',Ol Ib.llln","lOn Ol,O.,n, Ih. dal'lh, .II".nllOllon PO, lied en,your Accounl, You 19'11 10 ICc~llhe conVtI,11d .Mounlln U,8 doIif'I "'" " " .' ',,", '" , Th.O.rd, O.nealllllon, You m.v 0Irc,t) VOUI cledil P!M~t. 'I.~V 11m. Vi nollfvl(lg UI In Wllli\1llnd dtllloylno Ih. OIld(I) Upon lb. Olld 'KPlI'"OI1 Illh~iid Ollh. mOl\lh lhown 01\ II, wo ~~1~Z~J:J,~~.~~I,~~:rg,~ ~~,~,I~n,i",,'Im,:",~,'~,r ~" f,I,~, ~~r,~~:r,:I,V,I~, V,: ~~"I',~~"'~,'~,'I',~\I:,~,I~:,.'!IJ,~',~h~,, "~r,:,lg,~~,',~,I~"O.,~,, ','r,', p,f,~~"iQfl, I no,'o,I,~'b,I,II~~T~,I,:, In., '., ',~,',~",.,.Jm,,~~, I,~:I~,'I"I,',', ~~lled 01 I"mln," you, Cledl prMIfOtl, 0111 WI OIno.1 01 do flQl lIlWW the O,'d: VO,V may nq 1oIlO" ,Wi'lI chtOkl on YOul Amu~l, .f\d YOU .hdlild dtlllQV .nv ~~u,Itd c "kl w. hlv, '''U~ 10 you pmon.llnl.tnl.I,lonl'llo.ull1.nll"",YoiI Will P, I,OV, KM ut.I,"if,";10 !l4Iv. no"I~r II you .lIang, YOIII, iii, m,", hom,' 01 mtl,',',lI no .dd!, ",lLh,'ItOM, iii ~V,m,belli, .m, iJ!ov, nltnl 01, In,~, ',', UPOn, , ,'VI 1~1/I11, you will PlOYIdt UI mllOnftl nnlnollllnfol lllO!\,W'II ./'I'lh. I h 10010ln InfOlMll1O!\ Ilom,oll"I..'ncl~no 011<11 'tplHllol .glnol.., .nd 10 OVIdI OUI 'W1'"IM ~loImf"ll.n ~~IV:{,IIA~~~~:I~:uo .n ".c, L UtVHO onYICI m.y 0 0' IIflO lO.nl,' .; I you CUltom.r 811'111'1 U~~hO,Hltd Ulfl LOI~, ,01 Yh.ftor Oh..klOl,lhl Oid,' M,oh Olrd mllll ill llOnt<! on IfII.ipl: YOII '1,I41PQnllil. '01 nflll~"llIng I"' OlldiYou', "tl'OllI~, , Idenllfic'lion Numt>fl ,', '"Wh,~~,h ,PI,OVKM" ,,',I, CI,'I., "1,0,, A ,~,I,om,'ltd, ,1',','81 M,,'C ,",n" ., nd.ny C~"~k,',"'lIid",, I,O",VO~,'Iom" Ih',",;!Ild,kffP,', I,~"OU" I,',P .'N"""I,I,~" ,II, I,U" rom,', Y"OU," I,O,',I! rd,," IIYOU" ,t!~" 1 or .u.peellhol your 011 I P N,or.nv \in~IId 'kilt' 1Ol\f.!~n, 0I11Ia1 "I.VIlt.n Uneul~!!'td Irlh"cllon OIl VI/\II Acoounli 0<< wUi R!omPIIV nolil\i~,,1W ceiling 1_' 1. 80 f&Cl11 ~r:=rx,~. ~,Jlm,~~=lt"1,~,111':u"I,'r.,trJ~,I~A~" n~""w'l~W~Un~ ~eY:'~"I~~r:~n :n"lIlil,''', '~~~~,'~,' ~~'~~~,oJ~~" 'Ir:,I:~,I, ,,0, Vwng,l~r"lit,w:Jr,iltW n~I~, ',U,'~, ,~, f, V, ~, ~d I. ,10'101 .Iolon, you will plQlJlnl~ drillqy'iI! chfcklin VOUI PelIl'''lOn To Imp/ovI cu.lom.r IIIV1caena 'ICVII~, you '0'" th'l youI c.lI. m.v bt monll.red Ot t8OO(1lf<j,!' .'" ' M.re,h.nt R.I.llon., W',W 11I,1101, be 1I11b1,', I,ll ',ny,PI", 01181 AV,lom~l!<l Te,II" M.chln,' r.~u ., I, IC, honOl,It>t Olld OI'OCIfl,'IY,!OUI I, h.." k,Il~,f,'II\,lo"lurn lb. ,0, " Id 10,', YOU,', 1'1,', h, 'V', no, ' r..ponliblhly lor gOO<ll,'nd "IV~,,', I, flU. Jrb,ha" ,lid WlIhlh,', ,'"a" 01 C," ",..,~k, " "',,.,', O",flll,II"IQII, II!, '. by, IIW lB., ",pee, ",,1 RU.I,', .bt,1 lOW, "~I. ,0., ,,'11, 'In ~, ,n,',nl'I,~,.1 "".."'I,I,.bI, " ,Wllh Ih. A,IC, COU" """n"1'.11, PI" OV, kled by Ihildj)a,ry VllidofI, Will. nOIl'IPonliblt fOllhu \W,III'!, ,V'"I1b1IIIy, 01 lacVIIHf .ny 01 hUIlIVICtI VOu'chll)lIlc, VII ,',', " '"" ,i',' " , Itop P'vm.nl Ord'II,If,'YOU WI',h 10 ',I911~, mln~oIi., l'hfck:, YOU, m, .,V Il,hd Ulllt,elP,' PIVIII, ',InlOrdt, r Vi, 'Willing ,10 ~",II ou" I,.",~,', OIl fpi,cv,lIom, Ii' " ',",lI<ltd".. OU ""lli,l.m,IIII,' You oe, n m.k. ,"op ptym.nl Jl!dt or,11y l\\' otllng !H. nil'll 1,111 tdonvouI IIII,mlnl Wh'n YOU )!ilkl I ilop Ilfvml"l ordel, you mllll PJovl9t YOUIM ,btl " ftOlnror.!)lIlIOll'ibll\ll ~~:,cI~:k,;.~I)Un1':J~~I~~~II~" I, on l",chlOk, I. AAf1\' orthl ,f1V 0 whoni II w., PtY~, lilt nomt ollh' ~t'onWho I ljed 11,'!\d Ih' Oh, ,91" ,1=~J.rnlm .n O~'I,di'CllplionOllhflt!m\O , "" ,', 0,' fII , I. ,"V!. Ol",I'IOI1,,\iII\4lOld!/,'W.mav, WllhOUI hebJlIl'!, i:l1l!!9lldll W,II.n,loprm.n!OI .,'~ mon h"II,IIaq'lpl UIl IlllllInl\\' n WlllnO' ,,',',,' ' ';' ". ,'" "i'<'> ,,' ",' Il.nd.rd 01 Call, BeoI, ut'lhl,I AmIl, nlli1VOIV,"I>>,', I~, Cladi, I Of, Id.nd ohlCk 1I,lft.'Ollon, twb~,'~ .1. PlOO, ,tI'Id,lh,r,o,,~h. 'fill, 1,.",1. ~" I,IO!\,', 1,',1,,1", II, ml"btfOl, ~" Ih,' .""(t.n..c,,lion,HI,", ~1~IdiI,Id, ,by UI, Ind btcIue. noll'lolV c,*k.1Id Olld llIp WlIIllt .4n110 v"'l.n~IOlion'ln youIAocounl Will bf llIoo"lld mlO nlOlllvWllhoIlOlllntO..llllt lev ling IV liill" ,OUr 00II11I\a 'V'I.mwillc.IlOUflll.""onlocIII,'nUilhlWh~hw.WlII. .mlni, . WIU IK mln.IIUIIln.tcllon\wh.nv , rl hflv6urOlla chiCklh.n nol ; 'l(inl9J\lf ' o'eln, O,,~ 10 '~.ml,n..II'ltm",I','nd, '~," ,11'",,',11,110, ,~be. ,,', n, to, 1IO,",n"I,lrW,IdOllO do,' ,',O,,'.'hl,I, ,'U"I.,.,III,.,I,b1, I'b, " Iht, ".,I."~,,,' Id,'tl'l, 01" 'n"I,"', ,c"I'Whl~"w.'n,',~, , "~.,,,W,,'I,I,,'XIIO ",,~tt.rIlGY,O!I' Account. Beo.u.. 01 our limllltd 11'1 ,Ind U" Mllh.1 OUI Olnc.Uta ChICk. nor Olld l"nllOlion .11/11 will be ,.tumld'o YOU Wllh ,Ihe ~h!V IIIt.m.nl, 1iW" IltfVIIO .nl.r .11 chock, In VOUI chICk legllll 01 01 I ~. ItP.lllOo,d 0 Ihlm, You IllOuld Ilacll". yoolclt<fil clta cllh 1<Iv'i\C"nd pufch....'~" . ' , 8oalnllyour.lAaOrdlndton _ ' _..- _ _ _ _ _>_ _ _ ~ _. _._ --___:0 p-.-- - _ .:'--.---, -'--', ~_ : _. __'.'-,_ -";, __;'!~'--,-_----,-_;_,_;,_--,--::i,~--- y:;~',:_.:_ ~::~~~~~~:I:~,"~~il~,':~I:"~ ~~:!~:;~~ :~Jl'.~I'I~I~I~:.~m~~~tll~lm~;~.~I\~~~!;~~t~~I~.w,~~jr.~J~~ Wr~~~rul'" ; ;~N~ Appllcebl.I.aWl levt,ttb, UllYlAl"I,g, nm, " ,ht,' N,'O, m,I,II,'",I\'Ihel',YOO, IIV"." 1~1.,i" ''', ,iii, ',n I', ndYq\i,1 A,OO. OIl,~,1 al., gOV, "'"ned," ilY" .fldf"", ',',',J!'W'nd bv" N '"H, '"m,p, ',.h JI. 11,'1M, hlt'f!\I,I"I,' i, nilll ' o~p,...lon of Ihllglllm.nl64hVlIl\ YOU and IIl1nd m'v nol bt conlr.diolld tvldinc. 01.1IY .1I101d olnl.gl"mlnl. If MV PlOVllion 11111 l"m"'ll, jKl I' , 01;." un.nlOlClable, you .nd WI will con.ldtr Ib.lplovlllOn mOlJin.d 10 confOlmlO liOf~" IIW1.nd therillollh. PIOVI\lOh\ln lh. Al m.n lit .nrotof' we " delermint In goOd I.llh lhalanv PtoPOtldor .nlOll<I 11lI11~llon'''IOVI'lolY OOI~ ,Ol.)ilcloli dIOlIlOn h.. f.lldtlld Of/nlV rtl\dll I , 19f1h r:;; " , ~71~~1~~~:.,,0~n;,r~ W:t=~11~. b1J~~~,r~II~=M~,ylh:~~rn ~~t~~~rl~ ~:~ ~nX~l~ll~r~li~o~"I~o~r' , ;1~1:1t ~tL'llr .uoh an l'I.nllo proleollb. put,h",,1 OII..tgOItl,W. m.y O~. you .,m IIOI~I ~ fillnoa ~neno'ngilal'm'~\' wllh Ihll""'I~ICI,I'''' ,,' al.,,' \:,) '; '. ", Nollc.., Olh.1 nol~" 10 you .h.1I be .fflOl~f\'ih'n diOOllltd In (I)~ m,lI.aqrllled 10 yOu lllhl .delle', IhOwO on OUI'~!lI,unlill"l6/!lIlIri!djl9t.. ',' ' " by 1.11', WAlCh pe,iod .h.II.1I11 upon m.lllng, NOI~. 10 vl,\hall be n1al10<l10 our .deII,... fOl QlIllomer "Met on YOUI'I'I~~eOllor ol.h.r ~'lm w'lI1'V'~, wltlCelV.II, , , "','",',,.. ""''','' '" ,.. .'. .' ',..."::..,',."..".:y:>':',' YOUR BILLING RIOHTS "I<"~ THI8~OYI08F9RrUTU~8 US'; 'Thllnol~. 10t11"n.llmPOlI.nllnfolmll~n ~IY,OI/t 119~,j ji\d OIfI,f"m'l:lIIll~~:Y,~~ I~ NoUfyU, In C~. olSrroll "QUI, .~onl Ab,' ,O,~l V, ~UISI,II, ,lfVO,u, ,lh,lnk'v,q\i,'~IIII Wr,OIIll,', &,"'YOU,,' nled," m,o"eln,for,',rn,',~llorilbOu,lllnV,I('n, ',,"110II,011, VOII" I Iddren fOI cullomlt ,.ry,~ ~'IIlI,td, on YQUlbllI, ,Ilr., 10,11,'"loon, 'J.~IIi\f, 1'1, m,utrllOll, rllOlrt V,OU, no,I',Jt,' 1,111, ,~" llQ,' ,Il'Y" 0,'","'11", tI,IlJl.Y,1 ',OUOlJ,iJ, ,',Ilhf ,""I ' :er~~ :r~,.~~tI~='t~'~~ ~"mla'~, D~~~~W:~~~Jij~!~V~I~~I:I~~'i1~:~~~~~;I~~m~~;~;!~mMl~~t.t YoU,Rlghta and OU'RII"'Pona,'bll[q,,f!, , A, "".,W,." ,If, '", .tv,'Y,',IV, r'~,'rl,ltln, ,N""OIl,"",W" '""',,UI,I,i IC~MW"YQU,' ",,1,1,',' W,lIh,',n,g(l. ,d6V.' I,',' u,n,',..,..,',','H".,., ~~n~~~!~~i~iE~tM:~~~~;~t~4i4~111:!lttl~.~I~:~~~i~N~ ." ., ~~~~ln~~~U,~~rf~f:m~n;no II wo nnd lhal w. m.de . mlll.k. on you'bllI;yOv will ',10 IIlV allY nnlno,' Chilli' ,,"I!d lo.,oy /(Uf,lion.<hmOl/nl, ,/fWI ,,'1m,'! .nd you Will havo 10 m.kl UP, Ih. m,"I,'Id,' ~mlnl'" "'IIOI\Id,, ,a~,ounl;'I,n,lnha, ,roe,' '11," W, I,W,:~~,I~I"l\ n,~dYO,U",a,t1.,",I",n", "",10. ,Ihl"." v :~V~~:: )=tY~ fo',iJ'iWu'~,IIP&, b, r,V OU"OU 1,,',lJ, r,I,.I,IA ridj,.~,'" m,U,I, t,"I"~,{v.~,Ur,lhe,',,.,~,m.~, ~,q ,1~I.I,~nd6ll,Yone" ,," W,.ll~,~,II,,',,4J O,V~I":~l,W,,, ,.",wM,~IM WI., balWOIn u. when II nnal~ i.,IIw.dQlj'l fOlIOW'lh"'IUItt,W"ctn'l OOIl1Ollhl n~1 JIlQ 0 Ihlq.jiIl~;mO\inl,avln 1lV. SPttla/RulllorOttd"O~p, Urdl..,",.."'!(VOUh,w.",.PI!IliftmWllh,Ih,,.,MlII'~.Ol=lh. ',bIltrlV, MIIIV, ~"lh.,IVOUflU, ",' '9,'", PlobIam wllh Iht m!OhfnIOYOII mlV 1101 ~'101ii'lIhll t.m.lr'"8 .mOllnlilu. Ilh, ClltIVlet., Thlllllif!WO 'I M hom,".IIA Of II no WII,hl,",! YOur,hoi111""I, ",e;w, IIIl1h,',nn,',l, I 00, mlltt"o VOUl'CUI,,',nl. mal lng", ,', '",., li,lind 1Il),,1h. P\!, ,.rch... flrtoe" ,,' m.v, " OIopellllln"ma nl,OI11w'mIlIldVOUlht~I!J~.m.nIfOllhltllOfll"Yot\lIVIO.'" ,",," /' VINVNI); toHN'm~1 ~n~: Ilwro ' , j, ~UI~~i~ ,~\~I ~o".i'~~~ q. ..,l " "t " g \.f.') ~ 0;0 '#' ~ ".J l\h 'J Tl f.::'.) ''';;g r~ lq 'i~ i'11~ f.~ f;~-' I '''1 ;i~ t{~il\: ,,, "h,; '-'----\' r;;C,1 '-0 eS ;rJ :f~ C'j :3;; i;'lFr~ ;, ;<,,~-("-":, ~,.(. t.JJ" .. '.1 '- 'r~.i ,~ "3 r/l +-(.. ;, ~' 1;- 1.\ " i' ", " ,,'-f " ~ ,- ,-. , f? ~.€ p 11 *iI' \':t' '~r~~" "-; " "~rrj Irl "p l~"rH m on ~~r-''-- IXl ~_:u - 0,1;);:'. ~~,'~ 'j-, ~e:i MO ." ;.. " <I. I:;' JJ~('! t1t.: iSFr , ,(,iC, t.~ ;J.~~'i s;l, ~ - ~' N '_h il -," "-, ", .' 1"", '-" . 3. 4, . 5, Atthe thT)' you were served or at.aby time eU~8eqUent, dld',you owe the befend~nt 811'lY money 'or were YOLl liable toQ.efendant onanynegotllll~leQr written In8trLlm8nt~ 0088,Oef8n~antollillm otherwle.?,~tlllte the emo,Llnt epeOlfiQAllIYthatOlilfen"""ntol.lm. YQ~ow.., Th., SInk Inoorporat..lts respon... tolnterrogatoly No. a .s If set forth fuflyhereln.., .,'" Atth'.Jlm. you were seryedor at ehysub,eqLlent time, wa,s there in yourpo....slon, qLlstody or ,QQntrol, or In the Joint possession, oLlstody or oontrolof yourself .nd'othe~~, any proper1Y (If any nlilture OWned solely or In part by the Oefendant? If youranewer Is,ln theafflrmatlve,deeorlbe the nature liInd, value o,f said property" ""e ".n~ . lnoorporat.. It, r"pon.. to Interrogatory No.2 a. Ihet forth fully h.r'In. Atth. time YOl.lweru8rVed or at anY sl.lbseql.lent time; dldyol.l~ol~ ae fldyolery anY , property In WI'lloh,the Defendant hed an Interest? It your ansWer I, ,In theafflrmlilllve, desorlbethe natl.lre endvall.le of said proper:1Y, No,' " t' e, Atany tlme(~IO) orlilfter you were served, did the Defendanttransffir or li,l,lIveraI'lY p~oper1Y to you or to eny person or plaoe pursyant to your dlsoretlon or oons,enti8lnd whatwesthe aonslderetlo,n t,herefo~e? Ye., Defendantha. made pertocllo loan payment, prior to aervloe of the Writ upon the Bank. ' 7. At any lime aftElryou were served, dl,ci YOLl Pey,transfer or dellverilnvmClney or property to the Oefenqant or to any person or pl&loe pursuant to Its dlsoretlon,or, otherwlse'QlsCharge any alalm of the Defendant agaln"t YOl.l? I(your ,enswerlslnth~ afflrmallye, eet forth dat,es anCl amountssps(Jlfloally, N?, .' " \H, 7. (mlsnulT1b~red) 'Oltt the garnishee eV!:tr haVEl, 6ln aooountof any type wlthtre~ef'nd~hj1 The Sa,nklnoorporatel It I relponle to Interro$)atory No.2 ai, If 'lttJo,tthJlAUy. herein. ,., , " B. If the Answer to'the preceding Interrogatory Is In the affirmative,: state with reQllrd to' , eaah,aoaount ""The Bank Inoorporatelltl'relponle to Interrogatory,No; I.. It .', aeUorth fully herein. '.;:' ,!, ",;;,>...:, -', ~, " 1 .. ~ /, ~, 9, The attaolied account may be sUbJeot to the Bank's reasonable oOLln1l1 fee. 'pur to 42 Pa, 0,$, 82503, . .' '. . . "( i_" 2 lTava~ L, IUllA"MAN & A"ooIAta. . 1273 LANOA.taA AVlNua . BaAWvN,~" '"311''' . f: , " ", " ,'lI' ,- ,j; ,n , p (') 1.;:3 J:r\ ". 'r ' ''\1\'.'1 !,p.::' 'c 'I~ ~fJ\ ' ,p ~ \ 'I ~,-' ' - ~;J~f C.:l "'\'3 'I't..... ,(~.\ \,::, i,~(~ (j -~:A :_~_~ ~r' "i') E.1 " ..v. (-;1 .~ .. , ')"'- ~."" , "'i~ c, \j~\'-~ ~ ,-,-,11 1 ,) ., 'J'I ';i~ ~:.J ~ ri, It) I,; " " ,. " " q " ~, ;- I , ;,; " (~.',~ f!;2, '~~ ti~ ';~ .. ~ -1 "'.7. ~ ,,- CJ)lT' h;'?;j ell'! ~f! N 'IS~ " X 15 ,00 "'1 '/ /.~ \;1p .w.., . ~,&J '"0 ~ - r ~ i!";r.\ f-' '''" 6I~- , ::a: ,df') ~(J '" " tC~ ~ >\;;t' f1 Q I;,) s;j .~ ~ ~ "W ~ !; .- ,', " ~ I ,~ " ,I' ,. p ,.