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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
PROVIDIAN NATIONAL BANK f/k/n
FIRST DEPOSIT NATIONAL BANK
cj'r~ 31../9/
NO. I
IN CIVIL ACTION
~
-vs- PlaintiJJ(s)
WILLIAM D. SHIELDS
Defendant(s)
COMPLAINT
CODE-
FILED ON BEHALF OF
PLAINTIFF
COUNSEL OF RECORD
FOR THIS PARTY:
James R. Apple, Esq.
PA LD. No. 37942
Charles F. Bennett, Esq.
PA LD. No. 30541
Joel E. Hausman, Esq.
PA LD. No. 42096
Marylouise Wagner, Esq.
PA LD. No. 61095
APPLE AND APPLE, P.C.
Firm No. 719
4650 Baum Boulevard
Pittsburgh, PA 15213-1237
Telephone (412) 682-1466
Fax (412) 682-3138
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COMPLAINT
1. I'lainlirr is a Nalional Banking Association having officcs at Plcasallton, C.\
!J.liiGG. As of .Januar)' J, 1995, Providian National Bank was mcrged into First Deposit
National !lank, and thc rcsulting entity took the namc "Providian National Bank." Thc
account that is thc subjcct of this lawsuit may havc bccn either a First Dcposit National
Bank account 01' a Providian National Bank account prior to the merger, but is now an
account of the "new" Pl'Ovidian National Bank, which is the plaintiff herein.
2. Defendant is an individual whose address is 668 State Street, Lemoync,
Cumberland County, PA 170,13.
3. At a specific instance, the Defendant applied for and was granted credit by
the Plaintiff at the tcrms and conditions agreed upon by the parties, as is more specifically
shown by the Account Application and Agreement, true and correct copies of which arc
attached hereto, marked Exhibit "A" and made a part hereof.
4. Defendant made purchases and/or received cash advances using said crcdit.
5. Plaintiff avers that the terms of the Agreement provide for acceleration of the
entire balance due and owing upon Defendant's breach of the Agreement.
6. Thereafter, in breach of obligations under the Agreement, the Defendant failed
to make payments as thcy became due.
7. Plaintiff avers that the balance due amounts to $5,562.80.
8. Plaintiff avers that interest has accrued at the rate of 23.90% per annum on
the balance due from March 17, 1998.
9. Per the terms of the agreement, the Defendant has agreed to pay to the
Plaintiff as liquidated damages, the costs of collection, including all reasonable attorneys'
fees incurred in the collection of monies owing.
3
J O. Plaintiff avcrs that pursuant to Plaintiff's agrecmcnt with Plaintiff's attorneys,
Plaintiff's attorncys arc to receive attorncys' fces of 25% of thc dcbt duc.
1 J. Plaintiff belicves, and thcrcforc avcrs, that said attorneys' fccs rate is just
and rcasonable compcnsation for the scrvices rendered by said attorneys.
12. Although repeatedly requested to do so by Plaintiff, Defendant has willfully
failed and refused to pay the amount due Plaintiff or any part thereof.
WHEREFORE, Plaintiff demands Judgment against Defendant in the amount
of $5,562.80 with appl'Opriate additional interest, attorneys' fees and costs.
APPLE AND APPLE, P.C.
By:
Attorney
4
'libpROVlDlAN
. fillanc'liIl
P~<jvldlan NilliOna! 8.3nK VISA,!l or M;J5tcrCard!l,,~cC:'Ul'11
Accountli,)reemen: IJI 'N,iliam 0 Sn'eiC:;
:l'~ase review tnls c:cum"!!"II 3M I\e-:o 11 'Nlt~ your ,,!r.er Imoerla:11 papers ThiS ,iccount A'1!e~me'11 ::ntalr.~ 1M le:'1'1: 'Nr;c~ g)'Jem 'r:,,' ;;~;vla an [-.alional ean... Vi3:', .:r 1.\Els:erCa.: .:'.:c~....nl
I.lre ''\ccounl"j neAc:Ol,;n: ;I110'hS ',eu to malo:e ourcndses Cf u:;mg your VISA or Masterl""a~:: :ar:: 11M "Caro") Nn~re'Jer.1 I:; f'Cr'lcre':: ar,J 1:;1 ~et casn a.;....an-:es lrc~ u::i or a:-::, OIM~
;::UllClOallng flnanclallnstltu!IOf1 and from Auromatea T eller ~,lacrllnes C..:nvemence cr.ecks ma'l iJlSO ce orOvl,::e1 ~,;. 'J':U a~ In J'JClliCr.JI 'N)', to use tne Accounl In ::1~S ;',greement "/Ju' a.~::
.;lour' mean eacn person br wMm we have ccenea a creol! card Accoun! "'tie" .<.iur' 'our: ' ana "u:;' mean ?~:'Jlca'i i ::1l10rKII Bank or 11:; asslgnIJes as hslea on 'iC1Jr cllilng slatement ii'.e
,:',ccounl may be usee only ler cel~or,al family nousenold and chafltaole purposes 3M not f~r an',' CU3Ine!;,; .-;r ccm~e'::JI t:uroose An'l use o;f 1t11S Accounl sna!l c:nslltule acceple,:e of tM
terms of thiS Agreement 'fou ana we agree as follows
Paymonts. fou wltl receNe a mon:n~i statement ShoWing your OUlstar.Olng baiance ?Jymen: cn t:'.IS Account I:; re'::\.Mea m U S a,l:ars (cnecks must tie pS'/3C12 at a .J S eff:ce 01 :~~ ::3'1,,: :;,e
creek IS Clawn on) for al leaSllne cayment Clue as snown on your slatement by the pa'lment CJe cale In accordance wlm caymenl instructions on your monthl'1 sI3Ie.~!nl Cc'wenle:--ce cr:e-:r.s
ar.1 clner cnecks we Issue to you ma'l nel be used 10 make oaymenl:> on your Acccuni or to rnJ~.e oayment. on any o:r.er account 'IOU nave wl!h us or our affiliates ,i~e cayment cue .oItllll:e
25% of the new balance snown on your slatemenl plus lhe amounl of any past due ~avmen! clus me amounl b', wnlen the new t:a:ance e:~cee'Js ,'our credit line HChever :~e oayr.-:em >:lJe Will
no: be less than 515 (unless your r.ew calance IS less than 515 In which case tne payment oJe Will Oe the amount of the new balanCe} If your Account IS past at:e or a:ove tr.e creC;II,ne 'Ne
rr.ay require a hl9ner mll'lmum payment. but we Will nOldy you before domg so If your oaymem IS mere lhan lne caymen: oue It Will be trea:ed as a single paymenl ano none of I: Will ce a::c:i,ea
to fulure payments!:Ue We may acceptlale or parllal payments or payments marked 'pald In full" or marked wllh orner restflcllons, Without lOSing our nghtlo collect 311 amounts owing uncer 1t1IS
Agreemenl
Credit Review: Speclill Requirement. In order 10 keep your Account In good standmg, you agree nolto slgmflcanlly InClease the amounl of your total debt on unse::.:red revowlng ac:cunts
We Will review your Account and credl! profile quarterly 10 evaluale Ihe amount you owe relallve to the amount of your then CUfrenllnCome IVle conSlaer an Increase !n debl of more lhan S2 C.co
10 oe slgnlficanl. unless you nave suffiCient Income) It we determine lhat your Accounlls nolln gOOd slandmg, your Annual Percentage Rales (APR) for purchases, cuslom casn, and cash
aOiances may be mcreaseo
Ammee Charges. Except as descnced In the Grace Period for Purchases section of this Agreement, finance cnarges begm !o accrue on a debit when IllS mduae.:lm one of your aaliy
balances and conllnue unlllttlat balance IS reduced by a paymenl or credit, Your account has three balance,,:. the Purchase Balance. which conslsls of purchases you make with your Caro and
fees for celtaln optional ser'Vlces; the Custom Cash Advance Bnlnnce. which consists of unsecured credit card balances lha! you transfer to your Accounl uSing balance transfer checks and
balances lhat we transfer for you and lne Casn Aovance Balance which consists of all other cash advances Any payment amount we lecelve lhat exceeds the fmance cnarges ana fe~s Ihen
oue Will ordmanly be appheo f1rslto Ine 8alance wllh the lowesl APR until that Balance IS zero and then to the Balance WIth lhe next lowesl APR. unlil that Balance IS Zero. and lhen to any
remaining Balance, We reserve lhe r1gntto aoply payments differently Without further notice, The Purchase Custom Cash Advance, and Cash Advance Balances are reduced by paymenls as of
the oate received, and by crea:ts (except for reversals of late, over.limlt, and miscellaneous charges) as of the cate posled Purcnases are included In your Purchase 5alance as of the date
made Cuslom cash acNances are Included In your Cusl0m Casn Advance Balance as follows' funa:; electronically transmnted 10 olher lenders to lransfer balances. as oflhe date lransmlllea
cr,ecks to transfer balances as of the date presenled to us, 01her cash advances are Included In your Cash AcNance Balance as follows: cash advances from other flnanclallnslltullons and
Ihrough Automated Telle/s, as of the dale made. cash advance enecks made payable 10 you that are Identified as cashier's checks and m:uled to you al your requesl. as of seven days after the
dale we pnnt on the check all other checks, as of the dale presenled to us. Other debits (exceot for lale, over.l1mtt. fmance, and miscellaneous charges) are Includeo In your Purchase Custom
Casn Ado/ance, or Cash Advance Balance as of the date posted Fmance charges are added to your Purchase, Custom Cash Advance, and Cash Advance Balances each day and are then
poSled on the last day of the billing cycle. There IS no grace period for custom cash aOVances or other cash advances
To figure the dally finance charge for purchases. the dally finance charge for custom cash advances. and the dally finance charge for olher cash advances _ we slart wllh your previous day's
Purcnase Balance, Custom Cash Advance Balance, and Cash Adv,ance Balance, add all debits and subtract aU credits for tne current day to the appilcable Balance (as explained In the
paragraoh above) and mulltoly lhe nel amount by the applicable d~lly peflodlc rate (see follOWing paragraphs) The finance charge for purchases IS lhen added to and mcluded In that ,oay's
Purchase Balance, the finance charge for custom cash advances IS then added 10 and Incluae110 lhat day's Cuslom Cash Advance Balance, and the finance charge for other cash aavances IS
then added 10 and Included In thaI cay's Cash Advance Balance We lreat a credit balance for any day as zero. We determine the finance Charges on your balances ior the billing cycle oy
aadlng together the finance cnarge for purchases for each day wllhm Ihe billing cycle, the finance charge for cuslom cash advances for each day Within the billing cycle and the finance charge for
other cash advances for eaC:1 day wllhln the billing cycle, In calculating finance charges, an aa!ustment Will be mace for any transaction or paymentlhat would have affected tne finance charge
calculation In a ptlor billing C:icle had It been posted m that cycle. The appilcable daily penodlc rate for such a transaction Will be the rale m effect for the current billing cycle rather than the rate in
effect on Ihe date of the lransaclton.
To determine the average cally balance shown \Jn your statement for purchases. add each day's Purchase Balance (Incluamg dally finance charge) In the billing cycle and divide by the number of
days In the billing cycle. To cetermme the average daily ba!~nce shl?~n on your statement for custom cash advances. add each day's Custom Cash Advance Balance (I,ncludlng OO,lly finance
cnarge) In lhe blUing cycle and diVide by the number of days In the billing cycle. To determme lhe average dally balance shown on your, slatement for cash advances,. acd eacn day s Cash
Advance Balance (including cally finance charge) In the billing cycle and diVide by the number of days In the bllhng cycle You can mulllply each of these average dally balances by the number of
cays In the billing cycle and 'Jt the applicable dally periodiC rale to obtain subtotals. and then add lhe three sublolals logether to determlOe the total amount of finance cnarges on your balances
f:,r the billing cycle. If a casn advance lransactlon fee is charged, lhat amount IS also a finance charge
You can arrange to have a varrable rate for purchases which is lower than the lowest non-Inlroductory Annual Percenlage Rale ("APR') you are paying on any of your olher credit card accounts.
ThiS AFR IS available onlY If you prOVide proof, In the form of caples of your mast recent billing statements, showmg your other non-mtroductory APRs. Your new APR will lake effect 10 Ihe billing
C';:!e follOWing our review of your procf Unlll your new APR takes effect, or If we do not receweproof of your lower APR. your APR for purchases WIll be as follows: The ANNUAL
PERCENTAGE RATE (APR) for purcnases IS 19.80%, corresponding to a dally penodlc rale of .05425%.
'!r:u can arrange 10 have a 'JanabJe APRthatls lower than the average non-introductory APR you have been paYing on the total balances you have transferred (rom other credit card ac:o~n~s
c~'_'Jld~ 'lour olher a:ccunts 'Nere cpen in Aprrl 1998. In calculating lhls APR we Will take into accounllhe APRs on the credit card balanres you have transferred from other lenders. I hiS ....FR
I: 3'1a.'laole only If yeu crevice crocf. In lhe form of caples of your most recent billing stalements, shOWing your olher non.lntroductory APRs. and will lake effect In lhe billing cycle after you
:._'JIC2 crool However :niS cnange Will not take effect before the conclUSion of the mlroductory penod. If we do nol receive such proof your APR for custom cash aavances Will be as follows
! I"~ ANNUAL PERCENTAGE RATE lor custom cash advances IS 23,90%, correspondtng to a dally penodlc rale of 06548%. .
i:-:e ANNUAL PERCENTAGE RATE for cash advances IS 23,90%, correspondmg to a daily penodlc rale of ,06548%
,! '..ou -:0 nol comply with tr':'2 :erms cf this Agreement your ANNUAL PERCENTAGE RATE for purchases Will be 23 90%. corresponding 10 a datly periodiC rale of .065.18%: and lhe AP~ for casn
:J:/an:es and Custom casn a'::'Jances 'N11l be 25.90%, corresponding to a dally penodlc rate of 07096%, We reserve the nghlto change the Annual Percenlage Rate ca:culallons If you '::0 r.ct
:;'7:~.'1 wll:11M lerms of 1:11$ ;'greement. Your Account may be elrglble for the lower regular APRs after you have met the terms of thiS Agreement for three monlhs. If you contact us we Will
.-:..'-='~ .,'_ur ,':',,:c,:unt ::I.:et~~r':'::r.e 'lour ehglbllily for the lower APRs.
Gra,ce ~eriod (or Purchases. new curchases pasted to your Accounl in billing cycles With no prevIous balance. or when the prevIous balance was fully paid during the cycle. c? not i::~1n 10
~.::...r .~~.~~'c: -:~~:ge t,;~:rI :~-e sran allhe next billing cycle, You will pay no finance charge on such new purchases I(You pay lhe 101.11 new balance In full by the pay~enl aue cate sr:cwn en
. .~, .'w,':",;. ,I ,':'H ::,;~':::a~es c:s:e1m any other billing cycle Incur a finance charge. and there IS no period In which such purchases may be repala Without Jncumng a finance charge
~~~';.;:~.~~~ ~~~:'~e .ll;:.r.~:::ur.t ....:I!O 524 for: eacn Card you ~sk us to replace; each returned payment check: each check you wnte on your ~~countlhat we return unoala eacn 5:~0
~; d'~. : :.'.:~":' "~ .': ":~a. \' ..:.;..:1 3~ :rcer each billing cycle Within which your Account IS delinquent (late charge); and eacn billing cycle. wllhm wnlch your balance exceas 'i~:.Jr crect :ne. :,;en
~ ~ "~;~I>~';':'I,;~; .t::.~::?_, ~.~'it:::'=:':.7:1 ccoles of billing ~tatemenls lhal were first sent 10 you more than three months earlier, we may cnarge a handling fee of 52 for eacn SU:..T1 cccy .w. cas"
..~.3... ...'.'~' " ,. ....' ...., ...a. ..~ cnarg'2d for eacn cash advance transacllon made on your Accounl
~?u~...::~. ~'I:-: ~::.::~:.. :.~f. a:'~ ':~e.rmal;on you orovlded us proves to be l:1complele or untrue; If you do not comply wl~h any part of lhls Agreement: upon your cealh ca~....n'::lIC'i~.::..
. 'u ." ... . ~u J. ..' ...../ ~".,:! ::.:::,~ ....roen cue If a canKruotcy petlllon IS filed by or agalnsl you: or If we beheve In good fallh lhal you may nol payor perform your :ol:gall..:'\s une;. ""s
w ;'~~l .f 'i:\,; a:<! ""-'.3-:,: Ife -a'l 'Nllr,'JUl fur:!"',er cemand or nOllce, cancel your credit priVileges declare your Account balance tmmedlalely due and payaole ana use any reme-:';I we r.ia'y
:"3.-! ~ :~J! -:-,,~.::: '''":'..~ :':.a~.: ~..e :uls:aro::ng =alan~e en your .A.ccounl shall continue 10 accrue Inl'erest atlhe APR(s) disclosed In lhe Fln;J:nce Charges secuon:f ::-,IS .':',;~~m~!".: even I:
...-! 'l,o!. +: _:'1:::: ~:: .~~ ~~":~:":'. u :we
;~~~ Un:. ~ '.:~: ;r::~. .::.. :. ::-:-:~'-,;':.~'..::: ::r:'! .~~ 1'~:,.ln ~ s~arate;:ollce :~/e may Increase or decrease your credit line based on mformatton we cblalned frem "'::.l .:r :i~t;r cr~:,: :e:::?
.::. ..! a:. ".~.. .1, w' ~.. ': ,:. .l:: ..":,N=~.....r c,e-;;, I'ne ana ,'our Mcc~unt balance {Including transacllons made or authoflze-:! out nol 'let coste'Jl If yeu 5'=1".::: :.~ :3 f3.",,~ ,~a;l': t:r,!
.' ':"... "'o! -3'; - ~ . :.~~ ;..: .;;: -: :.~:: oIt:" e Ife "::~.,.~, :"":a: ;:"': :~e-:!'; 'N1l1 clear Fo: certain lrar.sa~lions avaliaole creal! may be less ~CiU Will MI Lise '/cur .:'.':::::Ll::: ':r a:-:: He ~al re:~se,~
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Premise 10 PJy. . :''; :~:,- ":-: ': :]', ~S ,...-:~ .::.:e a I a~:L:n!~ ::.;rr':'^,~ 'Nr.en ','cu o:,r some.~re else I,;se vour ;'cccunt (even ,f the amount -::narc::::: exceeas 'lour :eU"":5s:,:n' ;;;1 Clr.e.
..l:':~:' :~'; )1".: ::".l.':~.: . :~. :':::'.::! 3::0: ::: e.;~:::1-::C::: 'Ne ':1::.:r I::Cluc;n~ ::t:l nel IImlle-::: :', leaso'n'Oole 'alterne'}s :,::es anJ -::ourl C:SIS. "Ill you .....10 lh'e S:.::l l're "I'll ::13'" .,'cur re3s:~a: e
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Ch.1nqn, ':'~ef o/It'! :(C'..:>':. :''; a:",,' .t;:-.:~ re-:-":Ire-:: :'/13'N .....e rr:ay cr.anje any ~art ci ::1IS ;'~:~ment ana aad or remove leOUlr'2menlS if a cnange IS mace to Ine Finance Charges -:e-::":l:'\ d
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this Agreemenl. the new finance charge calculallon will acp~1 10 yeuf enl:r.) Account balance !rom~1J etfp.crlvP- 01-1!"0/ rn~ CH3f''Je Gh:l.'1gc:: ',',,111 J:Ol',' t,) r;.J:Jf1':O::s. !I\iff ,n-::tU.,... '....m"; :vSIe1 :0
V!'Uf Accounll::f!forE! the d,Jle ot Itl~ chanoj.. and will acolY wnel",]! or n.;1 'NU CO~linlJe 10 use !r.~ AC~ClJ":
Foreign Exch.mgo/Currency Conversion. If '{aU use your Carj rOf !r,lf;~.lCl:on~ In J CUlrenc'/ Olrli!f than U::; CJllalS t.1e rran~aCl:on:; .....111 te c:mve(l~d r,~ U S j,)llar~ ,;eM:ally l.:s:ng ellher a
(,) government.mandated rmol or (II) wnOle:a!e marl':el rale In ~rl~,,:t rf'e ':3"1 cet,:rt.' rr:~ !ran:;a':l'cn ,rccesslng C:J:~ '~cre3:;e(j by or.1;! terce.'ll (1~'1; if a crec.~ I: ::"::::e<l:.enrJv r,;:ven f:r a
transaction II will be cecreasea t,! on,:! ~'Jrce!1l i ~%l if the cfo?-::I ~J~ :3 df~r~r,1 ::fo<:e;;~mr; <::J~~ lr,>}'"! :r.e e,c~an~:: rate '=if t~e cree,t CJn::~ ,]realerl1e;;s lI'lJn IrJal of t.'",e orll}t:':aj Ira"'saCl:cn
me currenC'1 converSion fille en lh~ cay eefcrt! the tra~:;act'cn c:';.::ess;n'i~Jte mJ'/1,Uer tlc:n tr.e rJ~e in etf~:: al tr.e lime 01 :r ~ lran$iJcllcn or on tne date :ne t~anSJc:::.n 13 ::'::'5Ie.:: ~n your
Acccunl You agree I" <leceot tno convenea JmOunlln U S ,J::'J':;
The Card; C.mcellaUon. Yeu may cancel 'lour creJll prJVlieq~s J; Jf,', llm~ by n)lifylng uS In 'Mltirl~ ana ce3UOYlng Ire Carcfs) Upon 1M Cara etOlrallon al tr,e eM ot l~e mC",ln S:-::'Nn on II we
reserve the right nollo renew lne Card We ma'I caneellhe Cara 3111 'Io\;r ere'JII onvlleges a: any limo? atter 30 cays nOllce t,) ,'au or wlrnout notice I~ permillelj by la'N If "our ':are IS ::ancellea or
nOI renewed finance cMrges and other fees will ccntlnue 10 t:P asses;;e1 ~a1mel1l:; will COnlmue 10 ::~ Cue ana all otMr aopllcaoie !::rOVISlons of thiS Agreement 'Nllllem,lIn In elfe.:: ,f you
lermlnate your credll prl'/lleqe::; or If we cancel or ao nol ren.;:w me Cara you ma'l no longer wrtle cneo,s on your Accounl ana 'IOU should cestroy any unused cnecks WI'! O;Jve ISSUe-J 10 you
Personal Information: Documents. You 'NIII provlce us alleasl 10 dJ'IS ncllce If you cnange your rame home or mailing adcress lelepnone numtJefs. emplO',menl or Income Upcn our
request you WIll ptovlde us aCldlllonal flnanCtallnformJllOn We reservo rhe t1gnlto c,blaln mfolmallon flam ort-ers 1Ilclualllg cledll reoorhng agenCies. and to crOJI,1a ycu~ ClOOroess an:J :~formallon
aboul your Accounllo others '!Y.~.rnav also snare Inforrn<lhl)n Wlln l'Iu' "if,l!:l'e~ HO'I'fover V'JlJ mo'J 'Mile fo us (If anv lime InStructlnl1lJS nOllO !:nare Cledlt lI'lf,)rmalicn 'Nllh our affiliates If you
do not fulfill your obllgallons und!!r IIllS Agreement a negal/ve Cie1lt 'e~xm Inat may rerlecI on 'lour creClt may oe submlllea 10 Ihe creOlI reportmg agencies
Customer Service; Unauthorized Use, Loss, or Theft of Checks or the Card, Each Card must be signed or. rece~ct You are resPQnSlcle for safeguarding lne Cara 'IOUf Personal
. ldenllflcallon Number ("PIN" 'NnlCh provIdes access to Automate'J Teller Macl1ll1es) and any cr.eck:; Issued to you from the" and keeolng your PIN seoarale from 'lour Card I ~ :,ou c:scover or
suspecl thai your Card PIN or any unused cnecks are losl or stolen or tna! Ihere ma'l be an unauthorized transacllon on your Account, you Will prOmplly notify us oy callmg 1.800.933.7221 So
we can Immedlalely actIo rlmlllosses and Iraolllly you Will phone us even thougn you may also notify us In wlIlIng Your liabllily for unauthOrized use occumng oefore you now'/ us IS ilmiled to
550. If you repotl or we suspect unaulhoflzed use of your Accounl we may susoend your credll priVileges Unlit we resolve the prOblem to our silllsfacllon or I:;sue 'Iou a new Card jf your Card is
lost or stofen, you WIll promplly deslroy aU checks In your possession To Improve CuSTomer service and seeumy, you agree lhat your calls may be momtorad or recor~
Marchant Relations. We Will not be liable If any person or Automated Teller Machine refuses 10 honor Ihe Card or accept your checks, or falls 10 relurn the Card 10 you We nave no
respons),bdJfy for gOOds and services purcnased With fhe Card or cnecks excepl as reqUired by Jaw, (See Special Rule below) Certain benefits that are available With lhe Account are prolJlded by
thltd.party vendors. We ate not responSible for the quality, aV31labihly. or results of any of the services you choose to use
Stop Payment Orders. If you wrsn 10 stop paymenl on a check. you may send us 3 SlOp paymenf order by WrIllllg to us at our address for Cuslomer servIce lIsled on your slatement. You can
make a stop paymenl order orally by calling the number hsled on your statement When you make a Slop paymenl order, you must provlce your Account numoer and speCific IOformaflon about
the check: the exact amount. lhe dale on lne cneck. the name of the party 10 whom It was payaole. the name of lhe person who srgned If. and lhe check number You Will be asked 10 confirm an
oral stop payment order In writing W ma' dlsra ard our oral ord~rlf W do no r eNe a Sl ned writ n conflrmallon wlthm two weeks aft r Ih ra' rder, or If we have nof received an
adequale deSCriptIon of the Item so lOat paymenl can be stoppea I he oraer Wilt not be effecllve If the cneck was paid by us betore we had a reasonable opporlulllly 10 aCl on the oreet We may,
wllhoullrabllily. disregard a wrrllen stop payment order SIX monlhs after receipt unless It!S renewed In wrllIng
Standard of Care. Because thiS Account rnvolves bolh credll card and check ,transac!lOns which are processed through separale national systems before the transactions are consolldaled by
us, and because nol every check and Card slip Will be sent 10 us lransactlons In your Accounl Will be processed mechalllcally Without our necessarily reviewing every Item Our processing
syslem wdl call our attention 10 certain lIems which we Will examine We will examine all transactions when you repOrllhal your Card or checks have been losl or stolen We do not mlend
ordinarily to examine all Items. and we WIll nol be negllgenllf we do nol do so ThiS rule establishes the slandard of ordmary care which we In good fMh Will exerCise In admlnlsterrng your
Account, Because of our limited reView, and because neither your cancelled checks nor Care transactIOn slips WIll be relurned 10 you with lhe monthly statemenl, you should be caretulto enter
aU checks In your check register or olherwlse keep a tecord of them, You should also save your credll card cash advance and purchase SlipS, You aoree to cneck vour monthlv statements
a alns our record and to no/! us Immearat I of an unauthOrized tran actron or errors
WiJlver of Certain Rights. We may delay or waive enforcement of any prOVISion of lhls Agreement WIlhout losmg our tight to enforce It or any other prOVISion laler. You waive: the nghlto
presentment, demand, prolesf. or notice of dishonor; any applicable statute of IImllallons; and any rlghl you may have 10 reqUire us to proceed agamst anyone before we file SUIt against you.
Applicable Law: Severability; Assignment. No mallet where you live, thiS Agreement and your Account are governed by federal law and by New Hampshire law This Agreement IS a final
expressIon of the agreemenl between you and us and may nOI be conlradlcled by eVidence of any alleged oral agreement. If any provIsion of lhls Agreemenlls held to be Invalid or
unenforceable, you and we wdl conSider that prOVISion modified to conform to applicable law, and lhe rest of the prOVISions rn the Agreemenl WIll stdl be enforceable AI any lIme after we
delermme In good failh that any proposed a. enacted leglslallon. regulalory action, or JudiCIal deCISion has rendered or may rendel any matenal prOVISions of thiS Agreement invalId or
unenforceable, or impose any Incteased tax, reporting reqUirement, or other burden In conneclJon Wllh any such prOVISion or ItS enforcement, we may, after at leasl30 days notice 10 you, or
wuhoul nOllce If permllled by law, cancel lhe Card and your Credit prNlleges We may transfer or assign our rrghlto aU or some of your paymenls. If slate law reqUIres that you receive notice of
such an evenlto ptoteclthe purchaser or assignee, we may give you such notIce by filing a finanCing slatement With the state's Secrelary of Stale.
Notices. Other noliees to you shall be effective when deposiled In Ihe mall addressed to you atlhe address shown on our records. unless a longer notICe pelled is specified in IhlS Agreement or
by law, ,!"hlch penod shall slart upon mailing. Notice to us shall be mailed to our addtess for cuslomer service on your statement (or other addresses we may Specify) and shall be effectNe when
we receive II.
YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE. ThiS nohce conlalns Important Informallon about your rights and our tesponslbllities under the Fa:r Credll Billing Act
Notify Us In Case of Errors or Questions About.Your Bill. If you lhlnk your bill IS wrong, or If you need more Information aboul any Iransactlon on your bill, wnle us, on a secarale sheet. at our
address for customer selVice listed on your bill. Wflle to us as soon as poSSible. We must hear from you no latet than 60 days after we sent you the first bill on which the eftor or problem
appeared. You can telephone us, bul doing so Will not preserve your rights. In your leller. give us the follOWing Information: _ Your name and Account number. .. The dollar amount of the
suspected error. - Descnbe the error and explain. If you can why you believe lhere IS an errot. lfyou need more Information, deSCribe lhe Ilem you are not sure about.
Your Rights and Our Responslblfltles After We Receive Your Written Notice. We must acknowledge your leller within 30 cays. unless we have corrected the error by then: Within 90 days.
we must ellner correelthe error Ot explain why we belIeve the bill 'Nas correef. Afler we receIVe your leUer, we cannolllY to collecl.any amount you question, or report you as ceunquenl. We can
contlnu~ to bill you for lhe amount you queshon, Including finance charges, and we can apply any unpard amount against your credit line, You do not have to pay any quesllone-:: amount while
we are Invesllgatlng, but you are sll1l 'obllgaled 10 pay the parts of your blUthal are not In quesllon.
lfwe find that we made a mislake on your bill, you Will not have to pay any finance charge related to any questioned amount. If we didn't make a mistake. you may have to pay finance charges,
and you :^,IU have 10 make uo Ihe missed payments on lhe quesllOned amount. In either case, 'Ne Will send you a statement of the amount you owe and the dale thai II IS due. If you fall to pay the
amount we lhlnk you owe, we may report you asdelmquenl. However. If our explanalion does not satisfy you and you write 10 us WithIn 10 days telling us that you stili refuse 10 pay. we musllell
anyone we repetl you 10 Ihal you question your bill. And, we musl tell you Ihe name of anrone we reponed you to. We mustteUanyone we report you to thaI the mailer has be~n sellled
between us when It finally IS. If we don't follow these rules, we can't collect the first 550 0 the questioned amount, even If your bill was correcl.
Sp~clal Rule for Credit Card Purchnses. If you have a problem WIth the quality of the property or services that you purchasea' With our credit card and you have Iried In good f31th to correct lhe
proolem wllh the merchanl, you may nOl have to pay the remaining amounl due on lhe goods or services, Thete are rNO limltallons on Ihls rrght: (a) you must have mace the purchase In your
home slate, Ot If not Within your nome slale, 'Nlthln lOO.mtles of your currenl mailing address; and (b) the purchase price must have been more than S50. These limitations do nOi app:y If we O'Nn
or operate the merchanl, or If we mailed you the advertisement for the property or sefVJces.
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