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I, Plnlllllll' III /I N/lt.l01I,11I1l1Illlilllll Alloopllllloll hllVlllll OrnCPII 11\, PIO/lH/lnioll, CI/\
lHrtllll, All of II/IIIIII\I'~' I, I \I\IH, Pl'ovld\llll N/lilnllnl 11111111 Willi llwl'llod IlIio l~II'III, !l"pollli
Nllt,lnlllllll/\\lI<, l111d I,ho 1'01l1\II,IIlllollill,y 1,1]011 ihlllll\l1lO "Pl'uvlrll/\H NIlt.lolI/l111/lIIII," Tho
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IIITOllllt, I,h/lt, IH tho Hllh,loei of t,hlo Il1wllllli 1I1/l~ hllVll hPflll oll,hol' II 1~Ii'lIi IlOPOIIII, NII\,loll/11
11/11\1\ IIIWOIIIII, or /1 Pl'Clvhllllll N1II,Iolllll1l1l1lli IlCI'l1Il1li Jll'\ol' t,o t,ho 11101'1l01', hlll, III nul\' IlII
111'111I11111, of I,hu "110W" Pl'ovld\l\ll NllilullIl1 1111111<, whlnh III. I,ho pllllnt,\lr hpl'olil.
~" ))ofolldllllt IIIIlII Indlvl(11\1I1 whoool1dl\rll88 IH 1 \11M l~I'rr,oop A VPI\I\O, Olll'illllo,
("II II hol'\ll lid 0011111,,1', PA 170111,
11, i\ 1, II IIJloelflo 111l1tilllco, iho Dofondl1l1i nppllo(l 1'01' illld WI1I1 lll'lllliullol'mllt, h,Y
I,ho PI/dl1l1n'lIt thu tOl'll1l1 I1l\d cOlldlilolll11111l'llollllpllll hr tho IwilUH, 1111 IH IllOI'O HJlllolflnnlly
IIhOWII h,Y ihi, AC('Ollllt AJlJlllrJllt,loll 111111 AllI'OPllWIli, il'1I0 I1l1d llPl'l'oct oopldll of which l\I'U
111.(./I.dlll(l hUl'oto, Illlld,od gxhlhlt IIA" Ilnd nwloll pl\rt horllof,
,I. Dofondl1llt Illlldo 1J\Il'c1\l1801l1lIld/ol' l'(lclIlvml cllllh'lIdvl1nCOIIIIHln!lHllldcl'lldli.
Il, PI111l\Wf I1Vnt'1I thllt tho t01'1ll11 of tho Agrconlllnt pl'ovldo for IIccolol'/\tlol1 of I,ho
olltli'll hill/lllco dllo IIlId OWlllllllpOIl llofllndilni'1I hrul\ch of tho Alll'll0l1lo11t,
(\, 'J\hol'o/lftol',ln hl'lll!ch of ublllliltlllnH IInclol' t,hll A!ll'llOll1llnt, tho Dufondnnl, fnlll)(l
1.0 l1l11lw IlllYlllolll,1I /III (hoy hllonllw cillO,
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7, I'llllnilfr I\VOI'II t.hl\t 1,Iw hl11ilnco dllol\l\1onniH to $4,740:11,
H, I'lidnt.lll' nVOl'H thl1t. IlIt.Ol'llllt hllll I\CCl'lIOCll\t, tho I'lIto of 10,80% pOl' 11111111111 011
I,hn 1IlIllIlu:n C\tlll fl'Dln Apl'll :I, 1008,
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O. POI' t.hn t.ol'llll1 of t.ho Ml'enlllllnt, t.ho ))ufondnnt hllll 1I11l'cod to Pl!y 1.0 tho
PIII\nl.lffllll lIqllldllt.od dllllllllloH, tho COlltH of oollllOl.lllll, Includlnll nlll'lllllloulIblu IlttOl'no,YlI'
fooll Inolll'\'lId In tho collllcilouof 11l11nloll owl nfl,
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1.!~PROYII)IAN
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J"r~'VI\I"ltlllilll'~,lllllllilll~ VlUA\\l OJ MaDlurCMtU. /h\,(,WH
ALC(J,I~fll Aqr\10mUnllw ~I:IIV (,11, ;;JIlI\tl
~:ra~u '9WIW Ihl!; {j~CUI1\Ql\lllfl(l ~,Cel> II willI yew oll;ur 1111[: ;,rl.1l1ll'ilPllfii Till'; AC(:ll\1I\1 /H)li,!()IIHHI\ r.OI1!allll; Itll' 1UIIII\; WWi~h q:'VO!ll \,i,I,1 Pf';'''IJaH rlaMWlI HlIllf; VillA 0f Ma:ll~"Gilr(1 Accourll
(lhd 'Aceollnl') T1lo Account JlloWS Y~'\J 10 mnt-,o pijfmil~OI. r,'f LJUlt\~ r\)ll! \%/\ or 1,lu\;!o!,;Hld ~i'lI'J (1t1V Cllhrl Whl'roYIII It I~ 1\':,1\01(1<1 :111(110 iJot cillih ,1(I//II1CI)\; Ilum ll~ or urw '~1I101
p;HIIClp~tIIlV flntlIlClalln~lihl1l')f1 and flom l\ulJlr.IlliHl r tlll~r M,lchllli!C CvnVOf\IOfICO GIIU\:f,lllllil\' "'~(J llU Pll'Vlillld tll you ,11 iltllln:llllon.l' Wily It) IIUU Itw ,~CCOUl\1 In Ihl$ '~\lr{lOmUnl 'you' ono
your' mO~lllJaCh Pllr'Olllof Whom W\I hilY" CtJCIl(l;J 11 Clodll c;wj Ael:~lInl 'WtJ' 'VlIl '\lurs . I1l1cl 'uat IIlUilfl t'rwuJ'llllliuh'Jlllll (JurH. 01 Il~ llU~IIII\otJU na h~lo(1 on your III 111\<.1 1101QIII!;ml Tho
!\ccounl may bo \lied ollly 10/ POliOn!ll' fMnlly', household ol1d clllllllllolJ purPO~03. ilI1d ollllm 1I1ly hU~U\Oli!.i or rOlllmurr.IUI PU/l:O!l{I 1\111' II~O olluu !\ccollnl 511[\11 C{JO~IIIWJ llccaoln~co of Iha
19/1"$ of Ihllll\glOol1\onl YOll and \.'to ngloo ;:IS follows
PaVll\onllt;' You V(III rocolv9 Q mOlllhly $lalornUJlI ShClWlllg YOlll olllilnr\(jlng llnlll!1CU Paymonl ollllllli ACI;ounll~ H1qUlIUd IIllJ II dJllnrslchoc~,!l mll'~l bo Pllliltllo itl 0 U 3 offlc.e of Iho bank lhO
:/1llck I' dmwn on) for ul llJiI51 tho payrn9nl OliO os ShOwn all Y.)\H lllnlllrn\lnl hy Iho f\aYl1lonl <hHl d:llo Ifl u(;cor\L'lIlcQ Willi FIYHlMlIIIISlfllCIIOI\f, 011 YOUlll101l11ly ulnlomlllll ConYOnlllllCo choc~,s
aM olher choct,s wo liilh} 10 you m~y nOI bu USllillo IOllt,O r.ilY/11Ufll~ ell Vow ,~c:counl or 10 nwku paYl1lull1'J on ilny olt\or UGCOllll1 you IlilVll Wllh llil or our nlflfHllos Tha paYlIll'lnl duo will ho,
~ O%'of lha n\\w bUill, fleG lihown en yotJ/ stlll0ll101l1 (or ;! 2% If UII Anllu,ll Plllcunlnuu Holo uppliu<l t6 yow IlCC:Ol/l\ll~ hl(jllor lhnll (. tilt,) oluslho iUlloW1I,of uny past dllQ Ilil\'1l10nl, p!uslI\o
amounl by Wlllch Iho'now ~alonclt okcOOOJ youl C"'dllllllo Howovtll Hill PiljllHHI! dUo '.'111111\)1 ho IO~lllh[ltlS\!i (lmlme yOllrl111W IJJllIflCfl III Iflll!.thfln SlU, III WllIch CUS~ lho paymonl dUll Will ~o
1M aOlounl of lho nvw balllncol II yow Accounll'i Pial duo 01 IlbOvo Ih\! (;/(1\11111110 WIJ muy hlllllllO nlu\}hll/ /IlIllIlllWn paymunl. tJllI WO WIll nolity you billoro dOII1Y:;O If YOU! pa'(fllonll' mor9
lhun \ho paymonl duo 111'1'111 be tlO!lod as n SIIlOi!,! pnymonl unonono of 11 will bo appliod lq futuro pllynlllnls illl') Wa muy lI(.ctJpllnlo or p<llllal pHymon13. 0/ paYlllonls m~l~od 'PillU In full' ~,
mUlk~d WIth olhor IO'itrlClIon$, wllllcOll01\n9 oul rl9hl to colloo;1 nil nmollnlll OW1f1Q IImlm Ihl9 AHroulllQnt
O"dll R9ylOWl SIIOC:I~1 ROlll1Hollltlll, In QrtJo' 10 koop YOlII ACcoulllln good sluncllllU, YOIl aqwo iloIlo tll~nlrlcanllllncronca 11m amounl 01. YOll/ tolnl dabl on unsocured lavolYlOg ucc?unto
\Yo WIIIOVIOW rou Account ana c/ooll p/aflle quul\orly 101lvalu,110 lhll umol,Jfll you OWO WlallVo 10 lho mncUll1 01 yow than r.IJHOnIUIComo iWo cOIHHdor nil rn",ousCI Itl debl 0' m% Il10n 52.000
10 to slgnrflcan , union you haV\l ,olflclonlmcomo J If WO dolorrnmo lhul your Accounlls MIlIl good $lllndll1~, YOlll AnnulIl POlcurllngn Rnlos (AflH) tOI purChUSOll, cuslom cn$!!, and cosh
i'CNanC\l' may bo IncloUod ,
Finance eh.ron. ~xr.ep\ a$ dO$erlood.ln lho OrDCO Per/cHI for PtlrChi1'Oi ijochOfl of 11IIS A!IIOOlnoll!. hnnnco Chlll~OIi bogUllo llcelUO on n dl!blt Whon 111$ IIlcluct\ld Ul ono of your dally
bhnco, and conlllluo unll Ihat balanco f& IOducod by II raymanl Of C/O(III, Your IlccoUfll /1(1911100 unlnncos Iho [~utctlUilJ.Ou.1o.n~Q, WllIch consIII13 of pu/chnso$ you mnko Willi your Card and
'us for coltaln CfJllonal servlCOS, lho Qu.1~'i!J-'i1iat~~~~an~~, Wlllch COIlBISIS of tinsoclIfod clodll ciud vnlIHlcp31hl11 you IIpnsfor to your AccoIIlllllsmg halanco I/anafot clloc~,s and
oalancoli lhal Y(o IMfifw 10/ ou, ami Ihu ~tI.dn~ I n wnlch conslsls of all olhor cnsh itdvnnce8 AllY paymonl ilfllOlml wo lecDlye Ihnt ol(l~aods Ihe (Inance chll/g08 and foes Ihon
dUO WIll oldlnarl!y ~Om:liOd ~r$llo Iho On anco WIIIl lho 10WOil &)R. unlillhal Oalanco IS la/o nnd Ihol110 1110 Onlanco Wllh lho noxllowIlSl API~,.unllllhol \]I1I(JncO;r;~ zoro, and lhan 10 (lilY
femolnlng Balanco, 9f01orvo,lho IIgIIllO apply paymonls (llfforonlly WIlhotlllUllho/ noltcll hlO Plllchouo, OIJSlOIll C09h AltyiU1CU, ano Cash A{t'!'ancll UIl nnr.os Il/O lodllced by r~yn1QnlS os of
lhe dallt locolved, an by credlls (o:(copl ~/ rovo/salS of 1010 avo/.llmll and mlscollanoous chnrgus) ns ollho dnlo pO~Ir.d PllIchn!lo$ 1110 rnchldod 1/1 your PUlch,,~u Oalanr.o CIS 0 Iho dalo
made, CUllom cash 8(t'{8nCO$11/0 Includecllfl your CU\llorn Cllllh At1{llnCo Unl:lnco all follows, f\ln(ls oloclfO/llctllly Irpnsmlllod 10 OUlo/londors 10 l/(u1&(ol bnlnncos, ns 011110 dalo l!~n$mll\o,d
cnackalo tranllfo, bnlnnQ9s a$ of the dillo plosonlo!J \0 us Olho, cash ildvanco~ 010 lochuJod In your Cnflh AI1l'nnco Onlllnco fiS 101l0ws, cash advancos 110m 011101 flnnMlallllshlullon& and
lhrough Aulomalod Tellois, as of Iho dale I/jUdo cosh advanco ChOCKS modo paYllblo to you Ihol llhlldonllllod Oi Cn'lhlOl'n choc~1I ~nJ moilod to you 01 rOUt foquas!. OS 01 'OVOf't days nllo! Iho
dalo wo punl on 1110 chock, all olhor ehoc~s, ns of Iho <i,llo plosonlod 10 us Olho/dohlls jOl(coPI fOllulo, ovoI.lllm!. flnnnco, <lnd mlllCOll!lfUlOUII chilfgos (110 Includod III your P\lfch~so, Custom
Cash AdytancQ, 01 Cash AcNllnCO Oalance os of Iho dalo posled Fmanco CholMS 010 0( jq(l 10 yaw PUlChaso, Cuslom Oash A{tl'al\co, 011(1 Cash A(fyanco Oolnncos oaeh <illy ,and alo Ihon
pOllted on lho lasl day 011110 ~lllin9 cyclo Thoro IS no gll1ca potlod 19' CUB 10m cash nct'y'nncos 01 olhOl ca:1h mJyancos.. ,
To flguro lho daily flnanco chafgo fot pu/chases, Iha dally (Inonco ehl1lgo for custom cllsh ileNollcos, and Iho dally IInanr.o eha/go fOI oll1or cash ilCNllncos, wo alatl Wllh your, P'OVIOUS oay's
PII'ChQSeaalanco, CU$lom Ca,h Ad~anco l3alallc(t, and Cash Advanco Balanco, add nil clobl16 Clncl suhlfflcl all c/odllu fot 1110 cUIlon\ day 10 lho npplrcable Ilalallco (as o~p!all1od In lhEl
paraglaph abovo) and mulllply Iho Pat .moun\ I>y Iho opplicablo d,',~ pO/lodle 1'1' laoo lullowmO palOglOph,) Tho IlIlIm," ellOlgo lor pUle h..., " Ihon adJecllo and Includ.d In Ihal d.'i'
F urchou Balance, Iho II/lanco chargo fOl r.us om <:ash actyancos IS lhonndded 10 OIld Includod III Ihal day's CUi 10m Cash A(Jymlco Balanco. und Iho fl/lance chmgo 10/ 011101 cl\~" ad~anco" IS
IMn {I()jod 10 lInd Included In lhal dJy's Cluh Advance Balanco We Hoal a c/odrl balanco fOI (IllY day'as 10/0 Wo dolormlno Iho flnaneo chill90s on yaUf balancos tor Iho bllll1l9 cye/e by ,
aodlngloguU\o/lho financo chs/ge 101 p\IICllaSos fot oach day Wllhln 1110 billing cyr.lo, Iho fi,lnllncll chargo fOI clatom cash !leJynncos fOf oach day wllhln Iho blll'no cyclo, nnd Ihe fln9nco chargo (01
01110( caSh advoncos fOI oach day Wllhln Ihe billing cycle 111 calculating fmonco chargos, an ne/lllslmonl Will be modo tot any lfonlincllon ot paymonl Jlml would h/lYo nffoelod lho (Inanco cha/go
cntculahon In a prlol billing cycle had II boon poslod 1/1lhal cycle The ofphcablo dmly pOlloellc tUlo fOl suetl 0 lfansacllon Will ho 1110 tillO In olfoc\ fOl tho cuuonl billing cyclo !nUle/lhan Iho rplo in
al!oel on Ih. dal. 011110 lIans,ellOn " '
To dolelmme Ih~ avol8go dalty balancnshown on your slalomonl fo, purchosos, aW oocll de'ly's Purchnso Oalnnco (lI1cludmo dllly (Ino/1co chmon) in tho IJllhng cyolo nnd dlvide by lho numbor 01,
03yS In Iho blllillQ cycle, To delormlnlllho ave, ago dllly balanco shown on yoU! slalomonl fOI custom cIIlIh ncfyancos, acid ooch day's Ouslom Oosh A<Nonco 0.\18I1CO (I,,-~ludlng dally flnanco
~narge) In Iho blnll'lO cyclo and dl'{ldO by Iha numbo, of days In Iho blUmg cyelo To dolofmlno lho averago dldl balaoco Ghown on your ,Inlomonl tOf cash flcNancoa odd oach day's Cosh
Mlanco O.lanco ("eluding d.ll~ fin ,"co eh"go) " Iha billing eyelo and d'vld. by Iho nllmbar 01 day. " Iho bll "g eye I.. You can mlllllply ",eh of Ih". aV'IOgo <I."ly balan", by Iho n,umh., or
<nYlln Ihe blllmg cycle and by lhe e~ltcoblo dally pOllodlo rola 10 cblllln s\Jblotols, and lhon Il(ld Iho Ihroo sublolnls lagalho/lo doto/mlno Iho 10101 amollnl of flOnneo chalOos on youl hnlancee '
hr Iha billm{) cyclo. II n cash 8dian~o 1rnnsa9110n feu IS chargod, Ihat arnol/nlls ohiO 0 rmanco'chrugo,
., Tho ANNUA~ "EROEIlTAOa flATr-IAPR).!ol Pllleh.,,, I. Ie 80%, cOfl"pondlllg 10 a dUlly poUodlC Inlo 01 05<12511
'II' Amll,^,~ PEReENTAOe RATE 101 cuslom cash "~anco." 219011, eO/l"pondlllg 10 a dOily parlodlc In'o of 0000011
no ANlIUA~ PERcENTAOE RATE 101 cash a<liane"" 2190%, eor",pondlng 10 a d"~ pOllodle Inl. 01 00000%
II YOII d) 1101 eornp~Wllh Ih'lerni. .111". Ag"ornonl YOllr ANNUA~ PEl\or-NTAOE RATE 101 pIlICI1.... W,II ball 00%, eO/lOlpondlilg 10 .1I01'y po,,",11O ..Ia 01 00000%, and Iho APR for ca'h
a:l'Iances and CU. 10m CDsh lld(Dnces Will bn 23 00%, COItOspoMlnglo a dally pO'lodlO rnla 01065,18%, Wo 'OSO/VO Iho IIghllo chango lho Annual Po,cQlllago Rolo colculallons II you d, 1101
t;:noly Wllh lhe IOllns of lhl$ A9leemenl. Your Accounll11ay bo eligIble fOf 1ho lowar rogulaf APRs 011(" you hilYO 11I01 tho lorms of lhls l\groornonl fa, th/oo monlhl llyou contact II,S WftWIU
I.'I'OW your ~c~ounllo dOlofMllle YOlll oligibllity fo/lllo lowor APRs. ,. ".
OfaeD Porlod for flulchalol, f.jow plJIchnsos paslod to your Accounlln billing cyelos WIII1110 P'IlVIOIIS balanco Ot Whon Iho P/OVIOIIS bnlanco wns tully paid durlllg Iho cycle, cb not bogln 10
In~u' a flnallce Cha/go unhlthn slall ollila noxl billing cyclo. You Will pay no (IMnce chlll{Jo on such now purchaSliSl1 you pay lho 10lnll1ow bnlanco III full by Iho pavmonl duo dale showll on
'lout $1~lemonl lieI'( purCI',J$o, polled In :tny olllef billing cycle Incur a finance Ctllllgo, and Ihoro 19 no pOllod III which such pUrl:MallS mhv bo fOpOld Wllhout incurllngc1 flnonco charoo
Robll', On U18 ra1l1d3y of tarn menlhly alalomenl porlod WO Will Clodll YOll! Accounl wllh 1% of your nol pUfchaso 1fonsacllons posted durmg lho slalomont pOrlCKI 'Not Purchase
TI.!Jnsar.l!~ns' mUM Cal:J C'J/eMU$ len purChaso adJusllnants and purchnso Clodlls pOlllod dUllng Iho porlod
POII.Ne Wlil el1D'oe ~~ur A,cceunllD 10 52,1 '~I oach Cnld YOII ilsk lIS 10 umlaco; ooeh rolurnoQ PllYlllonl chock anch chock you wIllo 011 your Accoullt Ihal wo toluf/llltlpald each slop
~/WrT\onl ~HHH c/leht,'(/II c, 5u~h i1r! Ctl1al \lath blllmg cyClo wllhm Which YOU! Accounllli clollnquonl (IElIO chlllgol, and ooeh 11IIhng cyclo Wllhm WhIch YOlll haltlnco oxccods yoor Cfodltllno ovon
II', :ul A~ecunIIS, CiOtti If "S~'f:1J&1l C:Cl&t of billing stlltQ:mnnls thai wero 'USl san 1 10 YOIl mOfO lhon lh/Oo 106f11111: omlior. wo may chargo n handlmgoo 0'52 fOI ~ach such ccpy, A cash
ulan:e loe 0:13,\ Im'l1!murn ~,jl ma, to) Charged fOI oach CA$h adv'ollco IInnsa:lllon modo 011 youl Accounl
~"aull, y~u Itd to III cofail,1 ,I ar,., lr\f,~lmallon you ~fcVlded us p,c,voslo bo tIlcomplolo 01 unit lie I' YOll do I1ClI comply Willi nllY pml 01 lllls Agleomon!: upon YOllf donU" ball~wolcy, 0'
,1~' :,vef":Y .f ',CJ d) r.ol ~a, ctl'* :to1S '/then (juo II n b8llklllolcy pall lion IS Mod by 0' ngalnsl you: or If wo belleyo In good 'Mh lhat you may nOI pay 01 po/IOlln YOUI ohllgallons undor IIl1s
tq'edmenl rf ICIJ ale 'n Ci'II~,I'lie /Tla.,~.'holJl ftm~Olqemfllld Ot MlICO, cnncol your CflHlil pIII/Ilegos docla/o youl Accounl ba!oflco Irnmof\ltlloly cillO nnd payable, alld use any femedt WO may
~aj6 irt 1~8 ~vent of ,CU! :of~u,l :re r.4Itlana./19 ta'a11CO on 'leur Ac:ounl ~hall conlinuo tQ accruo Inlofosl allha APH(aj dlFclosn~j III the Flnanco ChnrOlll soehon ollhl~ Ag,oement ovon II
'fte ~lhe , 't~ tu;t I) 0::, ~:11~Q ..rr.:~r!I/Clj <:/te i'
CtedU Line. f:ul ,:t.E-'J.l !.l1e ,I fCoXJ&J /'...m tlmo 10 lime In n topBlal0 nolico XVo mar Ulcranso or decroASo YOIl/ Clodll hno based ollln'ormolion we cblainQd '/om you or youI Ciedll recolds
'e.' all ,lit;:. c/e':lll t'1:rm""/l~.O 'J.I!.rance tolNeon YOUI c/&r:t1line !lnd your CCOUI1 haloncn (Including lransacllona modo oll1ulh(Hllt);J bul nol yot posted) If YOII send liS n la/oe paymeni
c~~:'. hll maf i mil Y.:vr $Va! We :1'':11 'lth.:tI w& c::nflrm IMI1tl0 Cf'e-:f: Will CIOnl 'Fot torlllln IfnnsAcllons avtlllablo trodll may bo loss You WIll nol U'OYOUf Account 101 ana wo may lofuso 10
I'.~t':' MY trat',U:1 on hll:11 '/fcud :3',118 ,eu I' O,CIWl,'CUf fliililar: e:rod,1 '.,
Ptomlulo fl:.y, ':u t!:.~Utt: tli ",.S N~en :La h I nfnl.ilnlS t,~tlCNtrj 'liMn you Of someO/lo Ol$e 1150 YOIII Account (ovon If Iho a/Munl Clwgod ol(coods you, perml!lIM), all ethe,
',a"tllJl-tr:1 3~J :rlll;ts l~ f:~1 .l:::url! ,no ::,,&:l:rJ ";:1fSNO In:'.Jr IIlChlO'l1g l'VI nol II/OIled 10 ,001i01181>10 1It10IM'I'!; fcos arHI COWl cosls, (II you Will lho swl, we Will pay you, IGIIsonoble
Sl!trrtd I~t a~'J::"I'::':1 ' ,
Chang.., .!.j~., ". [':'1'')) ',:u a.;, ~t~.::t re,''U,!C:l t"l ^,If .li& m!H ~r,BnQO any parI vllhlS Agroomol11 (Incj n(jj ollamovo /oflUlroll1onls If a chango IS made 10 Iho Plnanco Ohargnsecllon 0'
'~1 :. }'tt"'ei"j '.O"U 1 ".!J":' :' 1';1 :3 :"',nl Gfl'NJ I ~tt '(!~ ,ewl (o"llro r\ccolJnl rlllill1CO flom !~e effer,livo d:llo of Iho cflanQo Changns Wlllllpply to balnncos lilal ll1k1U.rJQJ!omt tCjljl!l"; IQ
;..1~.tl.llt.Ll:tt.;.tLj.:.:..t..:.:.t.:J2 III1::1h,'1 Mt.'f ",..&!tW~! !"jl yell' cc:olinlJO 1:;'\Jse Iho ....~coul1l . '
Fottlgn f!.tc:hl"gt/CUIn"cy Con~et'lon.f 'I~II (,te ,;,jt ~IHd I~, \lansn~ll~ns III II tUI/MCy olMf thAIl U S ~;lJlllIS lho If~ngOctlons ';.tIll ho convollod 10 US. doUnls gonerally using ollhel I)
1:16rl'~.~I'~lr.J.l~tJ '1'.:1 .j ~r: (:SB e INUtOl Illlf1'1l flffo.:llr~ (',,'~ to'oro Iho IrnnlJOcllofl DtoCOS'lI/lg dJIB I/lcln:ltod by OM porconl (1%) 1/ A tfodlt is suhsoqltonlfy glvol1101 a
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"IJfUiiCIIOll II Will 1'0 d(lCr!l;I~~;J hy On\! porcolll (1%1 II UIII (;10,111 hil:.i a \WiH\llll r,roc~" ~1I!1\1 ';ll'l'.' IlllJ!lll1l' \1 Ct1:!IIIJ'J IiIHI III Ih) .:III'Jl :;alll\III\J'lh'lil\I'.~ \1)'111 1I1111 (.1 HI~' <.l!(1I11.11 IUllwa::\,.:,/\
"0 c.uu"nCi' CU!l',JIlfUI,lll rn!t,o)n tho llilV hlk'ltllhli ll(lI\:iiICllvllllfP((IU~l!jrl ,Ll1\1 lIlil, dll"~! Ifnl!lllln Lll\' 11111-,,"[ ,II !III) I III'} oJ lIill tl;111'IM(;'ll" III \L\l .lllll WI, tr,1II~Uc1!,)I' It l)sltlJ \ H'iOII'
~ :'(/\1111 YOll UiJ!llU II) 11CC'JPllhil \;OI1V(III{llj UIllO\lII\ III I! :1 \jJIIil!~ ' '
'TII. O~llll Coln~olll\IOI\' '(f)1I 11111'/ CW\C(iI YOlH unlit PflV'!\!Ol('~ ,1\ H1~'{ t!lll" Ii',' 1\:\l1l,'IWJ 1111111 Wlllil1'l UII.I {(,)'\IIll'/II\', III') t'.1!11\\ . L'l.IlIII\l <,;,11 I ("I ,ral,;I' allhi! nn.J d Ihl !n(.n1tl UIC',\!1 \,,11 tl ,~\1
",IYO Ihu lLlhl no 'J lel\OW lhu Ci!ttj WiI mnl C.i1IlCilllhu CiHd 1111,1 you'. ':lild'l f:llviloJu~ ;1\lUlj' 1111I11.lUtU ~'J d IV\' Hol'((II) 1'-'11 .;1 '.'frll".-III 11'1 ':u If I ,}I!'lIll'J!L,,' 1:11'1 II ',';I/! <.:illd l~ l;iltlr,ollHI :.r
'"jlronowu,:j 'IIUI\C\I r.lltl!~lllli 1If111 0Ih\lIIIlV:i WI I mHlllflll\l h, bu jl:J~.\\'!cll,j 111'{(ll'Jlll;. Wlil ((J'111l1l\1 hi I t' llllll illLl ill! "111111 i1I,I',1'.:.II/O 1\1-';I~;I:f\~ <i!. \In ,\q1il\!llIllnl '!'ill! liJlllil>n If\ oHIIGI d'i,.11
>,'m,!\~li ~'OVI ~I~':JII rrIVII\1rJO~ 0r II WI.' r.llnr.vl 1)1 d{J 111)1 lOf\ll.'.' 1111' (,dl,(,1 '('\1 m'l, Il(, 1,:H\\IIH hIli\! ':I:u!:f 'j ,;11 \",\,r ...,:;.1\111\ ,11' 1',;\1 ~;li\"\l!'1 JoiSJ',,' .l'\/,I'lltI'.1 ';Ilij~i,~se IHI/v 't\llJ~ 11) ,,'~il
, ~tlnUllall!\(o"nilUol1l PocllIll\lnl', 'fcu 'NIl( prlJvldu \i~ ,11111.WllO \11'0 Inh:u If ',Oll ;IllH1W '/'1111 nUlllu 1':I1I\J 01 lllit'I'iI'J iiJJr'jJL l\J'opO\i) rlil1ltiJl~'l!Il\;:'J,m(!I\1 y! 'IlC,'}(I:(! 1J1)~'n <JlIl
ro:wO$1 you WII,! 11IOVhlO IHI n~I:llltQflf\IIU1UIIClill tI\klllllllll(;!\ W(I fO~UIYo lI,llll'JlI11<} chlam ml')1I01l!:fJll h'lm nlhur" 11\\:iu:l 1\'1 Gle'J'1 r')tNl1flq flJ\1I1:fI(. JIl'J I:' PIOVI<)U "WI ll\l:I!{:~5 iH\~llflfc,rI11IIliO!\
I~:ul '{Ollf I\CfOUllll\l '~'hCI$ \~~V..I!HiY.alh~,~tUll('--l!l1cjU\nluD.Wltll,I}!H nUIJ'i1tu'J, lVitW'(V'",:{')i! !!1(W ,Wl!l\l ,\'1. ~I~, Jl i.i[IY lll~.v H1'j!!\f'~"-(IU11~.nQl t;'. '[I.(ll.~ ~!eIU itIJtJ.tltljll',~1l \tll!l m\!jll{t(l.l.llC3.. II yell
:JJ IICllIJlfl1l 'IOUl ob!igillliJn$ tlJllliH 11\1:1 ^u!oolnllnl n I\U~,lli'''Q crodlllt'POllllql n1ilY fl1l,rh~1 011 ',elll I;WdIIIllUY I \) i;lIl11llilhld t,i till' CI(HIII hH'.:>rl:n:J allllll~:O$
CUtICHll\lf OOlvlllol \JnaulholltO\' U'u, ~on, or Theil 01 Oh~C~8 ar Ih\! Oillll. \;,ICh \~III(j ltlU~' I,U Clljl\l'(ll!ll r",:\)'I;1 ~l)1I alI' rlj'j!:,)I\'f!fllll f-:I ~MIQllilW.ql Uli) CUhl ','uUI P,HEOllnl
''JonhfIClIlIOII Nurnt,Of ('PIl'I' WIlle I prOYIl/o:J UCCU$U lu AuloJ11il\od T cll\lll,lltl\ll1o~ ilnd or'\V (;Iwdo Its\l(l(lll) YUII 110m UI\l1l illlll t~\l\'llln(j 'i(~\Jl 1:111 Sl'llillnlo rom ',Oul 1~i1llj II you d:tCOVOI Of
1uu::eCI U\llI YOUI Omd Pill 01 Ilny unU:iO{t chucr,1l tII(llo~1 tH slnlon or IhllllllOro Illn,' lJo un IIni1ulh\JHWd 1r,1Ilsn:liOll 01\ your ;\V;0111l1. ~'Oll '''fI!ll~IOr!1pli('JlOllly lJ\l h'l colllllQ 1.80~'9Hlllll 31,)
l~! carlltnllloa:aloly nella 111111110$1111\ 011(1 hilhllily you WI,II phono IU UY911 lhough 1'011 mllY also I\olil" till HI WlIlltrJ Your holl..llil.,. hr 1J!iaulhorl/ld lJ~O (;CCurlll1'J tJoloro you Milly U~ l',J1i11\( (hi .,
,,,0 If 'IOU foporl 01 W9 ,u~p{Jcl Wlllulhorrz9,1 UQO of your I\ceolllll wn louy liuaroml YOlll crollll PlWI!lIUU5 unlil wo ro~olVIIlho O!CllIQUl to ow SlIllslar,llon 0' IsaU\l you /I110N Curd If YOUI GllId 1&
0'1 01 S!OI~n, you Will protllpUy dO!lUoy nil ChllC~3 III YOll! pO'J5o'J'iIOn To Ifnprc,vu CU31oll\nf ll11rVIGO IHltll.\Il:lIfil1 "011 lI]rou lhJl YOllr clills lIIay 1'0 mol\llorllQ Of /(JCOf(JQd
M'fCh~ill RfllDllonl. Wo Will 1\01 IlQ hnblalf !lilY porllon or Aulomulvd Toller htlchmu IOlu:J()~ 10 hOIlOl Iho Card ,,/ [\c~cpl YOtl! ctic\:~,~ Of fa,ls 1:0 Ivlurn 1110 Cmd 10 you WII hnY\11lO
lo.pon~lbih\y f,)/ 900<13 and \I0IVICci pw~hilllell Willi lho Cl\I<I 01 Choc~;'ii ();(copl 115 roq\llwd by law ,(SUI! fjp(lcml Hulo llalow l Corlaln bill\ofll'J lhill 010 nVilllahlo Wllh lho AccQlml uro proVldod by
lhifc.l-Pllrty Yoml:)!$ Wo oto 1l011(l$pOn&lb!oloIIIl1l qllilhly, avnllotllhly. or r\\:iull$ 01 nny 01111\1 'Jorvlcos YOll r.lloo'lO 10 m('
81011 f1~VIl\911' QIIIOIO' II you WIsh 10 slop plIVffillnl on a choc~, YOll rnny nonq us n \itcp pnymonl 0/(101 by Willing 10 lIS ill OlH ad:lle5S ror cUlllomcr OOIVIC~ !tlilod on YOUI ulalumonl You call
mOkl) n 910P puymon oldor.orolly l)Y ca1hno lhu number hilod Oil your s!alol1l(l1l1 Whon yOIl nHI~o 1l111QP paymrnl Cltlill, yeu musllll0VI<JO yow AcCounl nl/mhOl uno npoclltc 1Il10llMllon llboul
lhe chock Ihu oXllclllmounl. lho dulo on Iho r.llock, Iho namo 01 tho polly 10 whom 11 wns payablo lhnnornu 0 lho pOison WIlD slgnod II. ana lha cll'~cl; numbof, YOII Will b(llltiKOU 10 confllm an '
or~1 .1911 pjymonl ordor In wr/llnu WfilUll1J1!jlfiUilld YQuLQmlJlll1!ll.lLw9.l"'-n?.l1fiC.m'lJlHJ!1nfid:NIUll1ll~ntilfimltQ!lwlllliLINQ.WfiQf&.ilU~!.w.\LQ1ilL9!J1i( or II wo hayo 1101 roLolY.' an
adoquale dOSllllpllon ollhrt 110m flolfiol payrn hi con bo IIlcNHHI Tho oldilr Will nol bn OHI1CIN(I IrthO Chock WOS pllld t,y u~ be/olo wo hall fI fcaSOllutJlO cppot\unlly 10 ael on Ill\! oraOf Wo may,
Wllhoull1llblhly, diSfaQafd" Willian 1I10p (laymonl orela' ~IX monlhs Illtor locolpl unloue II IS fonowod Ifl WlttrllQ
61~lIlqqHI of OIHO, OacallHl'lhiS AccounllnVolYOB bolh clodll ea,d and ohoc~ II\1Il\HlClI0flS Wh'lch (110 (l/OCOS6U(j lhrouqh separtlla nallorHlI syslomti bololo Ihe 1/lIIISllCIIO/l5 ora consohdalod by
UI and bOC(l~sO nol oyary chock and Cmd $I,p \\'111 PO son\ 10 tiS, Ilu~,~cltons III your t\ccoufll Will ho pror::us~(jd mUCh<1flIC\llly wlthoul o\lr noco'iSntlly 10VIOWUlU OYOfY 110m Oll' proconlog
sY$lom Will call our ~\lonllon to COrl{llfllloms which wo Will a:O:llnl:nn . Wo Will o)(ammo iJI1lron~ncllons Vj'1101l YOll lep')I\ !hal YOllr Card or choc~,s IHlVo tJoon losl 01 slolon We dv nol mlend
,?Idlhollly 10 0)(0,"1/10 allllerns ancl WO Will nol ~o IlflUIiUonllf wo do (JQl do SO T111$ IUla oslilbllsllO~ thq 31nndllrQ 01 ol<Jmary carD wlllch wa In 9Cod faith Will qxofCI&O m ndlllltllSlolln!) your
Accotlnl Boc\lu$o of our lirllllod /OVIOW, ilnd bocnuuo nOlthor your cancellod chocks nor Cllfd Iransaclion slips Will bo rolumo<J 10 YlllJ Wllh lhe monlhly ~11110rnonl, you ~hould bo ctllefullo OOIOf
011 chock. In YOIll check 10910lof Of OlholWISO keop 0 wcold of lhorn YOIl should alH) SOVO YOlll crodll cmd cush advallce and purct1aso slips J'Q.u..ilil~~IUQ!lll11:Lilll1mn.lt
I\WIlJl.l'2llUllilllJul!JJWQl1l\CJllJJIUlllilfili!Y.Q!.JIlWJll\ilUU\Q1llldJlDmn,UQL\lQ!Jll(Q!lL
Wl1lvor of Oorlaln Rlahl.. Wo IllIlY dolilY 01 WOIYO (lnfolcomenl 01 nny P/OYllilOn ollhlS f\{Iloomonl Wllhou\lo9lflfj OUI IlghllO' onforce II 01 any olhOf p,o"'I~lon Illlor YOII waive Iha fighllO
plelenlmonl, domand. ploles!. 01110\ICO of (!Ishonot'any llpp!lcoblo lilnlulo olllnlllnllons; and any uOhl you rnny l1avo 10 IOqulrt) Us 10 procl'lOd 09011151 nnyone tJafola wa fila su11 DUOInsl you
AplIlI~o, ~Io l.owl sQvoro~IIIIYI A..IUlJfll01lI, No 1110110/ whoro you hyo, Ih" Au"ornnnl on<l YOllr ACGOlllll 010 UOYOHIO<I by ""fOllow ond by Now HalllOllllro low, Ih" Auroomonl " 0 [1001
exp,al'i10n of Iho 8groomo/\ halwoon you find us Dnd IlI0Y nol bo conllodlclcd hy oVI(/onco of Ilny flllogod oml Dureomonllf any prOYllIlon 01111:S /\gfoernonlls hold 10 bo lI\Valld or
UnOl\fOfCOablol you af\d WO WIll con$ldor lhlll proYlBloll modtllod 10 cQnform 10 lIpphcablt1lnw, and Iho fOlil of tha PloVISlons mlho Agroemont wliI s!ill be onforceab!o, Al ony IUM aftor wo
OOlormloo In GOod lnUh' lhal OilY pf()p0ged or onnr.lod 091sl01lol1 IC(lulaloiy flcllon 0' IU(ltcIIlI t10c10IOfl hilS IOndero<l Of may londer any mnlOllal prOVIGIOnll of Ihls Auroomohllnvnltcl Of
unonlo/conolo,1)/ Imposo any Il\crOll~od lr.~. forolllng rf/qlllfomonl, Of 01hor burcJan III conllOCllOII Wilh nnY.!J\Jch \ilOYllilOn or lis fIn/orcomanl wo lOllY, 1'1101 allallS\30 days nollce 10 you; 01
Wlloou\ nollco If pOfffillla<l by law, cl1ntellho Card nnd yoUf Crc<l1l pltv!le~os. Wo may Irollslof 01 a$~lon OUf /lUll to Ilh 01 some 01 your paymonls If slale law roqurfOlllhll1 you localY(I notlco of
~uch on oyonl to Pfolocllho plllehnsOf 01 o'lllgneo. 'NO may OIVO you such IIOIICO hy fllmg a (mancln\) slalemenl Vt'll~ lho slaIn SocfoHlry 01 Slale
N01leo" Olhel nolle ell to you shall bo ollochlO W1ulIl dQPOijll0d illlho mllll addressod layou nllho nd..1ross shown on 0111 lecclds, vnlossol)ngor nollce pon01I& spo:lflOd In 1I11s Agroemonl or
by law, whl~h pouod lIholl9UHl uponmollil1g, ~ollco 10 us shall be mailed 10 aUf address for cU9lomor SOrylCO 011 your slolamonl (01 olhul oO:Hones WO may specIfy) and shall be effocllve Whell
we recelVo II." ,.
YOUR UI~L1NQ RIQI\T~," K~ap TillS NOTIOP FOR FUTuna us~, Till. n911C0 coo loins IInporlaOllnlolnlOllon o'Ollr YOllr IIUIlI. an<l ollr rOlron"blhI101 uo<lot Ih9 Fair Clo<lll Orlllnu Acl.
Notify u~ In Om of ~lIor. PI QI"~floo. A~ollt YOIII 0111. If YOllllllnk your bill is wlOnUj or II you noo<l 1Il0to In'olmollOn Oboul any \fanloollon on your bill. virlio ''', on 0 soporolo 'h001. 01 09r
addrQu,fo, CU&lomat seNlee hsto< on you/ bill Wille 0 IlS all soon as posli1olo, We must 10mlrorn you no Inlo/lhon60 days altar wo sonl you lhe flrsl bIll 01\ Which Ih~ orrol 01 pfoblem
appoared, You CQlllorophone ua, but doing $0 Will not plosOrvo YOUl flghls. In you/lollol, glya uslho followmg Infolmallon: ., ~our nOlllo and Accounl numbel, "Tho doUar smounl oflha
su,poclo<l CI/O' .. OOliCllbo Ihe 01101 ond oxplOlll, if yo~ Clln why YOIJ 00110'10 IhOlo I' arl ollar. II you rood mOle tn/ormollon, descllho Iha Ilam you Dro nol SUle aboul,
VOl/r Rlal,,~ BfIIl Ollr lI"ponBI/1IlIIlo~ Allor Wo Hoco/yo VOllr Wllllon Nollco. Wo 111110\ ac~nowlod<]o YOllr lollnr wllhrn 30 <lay., uolm WO hoyo cOlloclo<llllo orror by 111001. Wllhln liO days,
we mUlt ollhor eOflecllho OUOI 01 o~pl{llll Why wo behevo Ihe bill Was cOllaol. AflQI we lOCO \10 YOUI lollor, we cnnnnl try to collocl any 8f!1ounl you quos lion, 01 Icporl YOll os doltnquenl, Wo tan
conllnuo 10 bill you lor Ihe nrnounl you quo,liOIl Includ!l\g fil1nnco chmoo9, and wo can npply any Unl>illd llmOllnl unolnsl you, credll hno '(ou d) 0Cl1 hllVo 10 PIW any quesltoned Qmounl while
we we Ilwostlgahog. bul you flfO Sllll obhgaled lopny Iho paris of YOIJI billlhnl oro nollll quoshon
llw& rllld Ihat we made a mlslnko on YOlll bill, you Will nol havo 10 pay Any flnnnco chargo rolalod Iv nny QuosllOllod amounl I'WO (/!dIn mat:& o'mlslako. you moy havo 10 pay Ilnanco chalges
and you WIIII18YO 10 maka up Ihe mlssod payments on lho qIJoslloned amollnl In 011110f C8S0. wo Will sond YOll a stntornonl of Iho amounl yr.u owo and lllo <lato Ihlllll" duo. If you laillo PIlY Iho
amounl WO I link YOll owo, we moy fCf>OIt you 09 dehl1~uanl Howevor, If OUf o..plonnllon does nOI,altsfv you alld YOII WIllo 10 lJS Wllhln 10 days toiling us Ihlll you 91111 fofusa to pay, WO lIIusllell
anyone Wt1 ,epo" you 10 Ihal you quos lion lour bill And wo muslloll you tho n~rno of anyone \,/0 lepolfod YOlllo Wa muslloll anyone we reDorl you 10 Ihnllho mollor has buon sellled
belWeen us whon II finally IS, If we don'llo low IhosO.lUlos, we can't colloct Iho rlrel 550 ollho quosltonod nrnollnl. oven II YOlJl bill was co"o~l
SIJ'C11ilt IWI. 'ot Orod" CIU" flme/,aso., II you haya a problan) Wrlh Iho quolttv ollha plopofly Of SOrvlCOS Ihal you purchased wllh OUf credll cald ond you havo trUJd jn (load fOllh 10 cOllool the
, pleb om Wllh lho rno,chnnl. you mllY nOI have 10 poy lhe fomOlfllng fllTlOllnl cllle on lho good9 01 SOfVlces, ThOlo UfO two Iimltallons on III IS IIgnl (a) you mU$t have 1Ol\'lo tho purchoso 1/\ YOlll
homo slnlo, 01 II nO\WllIlIl1 your horno ala Ie, wllhrn 100 rOllos 01 your cUI/on I Olmlrng adJross; nnd (h) IlIe ptllct18S0 pllce muSI have beon moro thAn 550, Thesa Irmllnllons do nol apply II Vio own
or cpelato Ih~,molc IAnI, or If wo mUlled you Iho RcNOl1lsomOll1 for 1110 pft'f>ClIy 01 !lOlVlona. , '
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