HomeMy WebLinkAbout98-03951
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lJ, Tha prloaa ohmoael for anlet ooocla, wama, murolllll1cllaa, aarvloaa, anelloI' lil\lOr whloh palanelmlla etll-t
oharoa on aillet onrcla ~aro jllal onel railal"lnolllll, waro Ihalnonl nnel I1lnrkal prlolla 111Ilralor ilncl wara Iha prloee whloh Iha ,
Dalllnclanla prpmlaeel and nmead to PilY.
7. Tlw prlnolpillllalanoa ehle llnel owlno IIY Dalanelllnla \0 Pllllnllll la Ihe a\1111 of r:1C3!-IT THOusAND, I=IGHT
HUNPRi:P NINi:TY,FIVI= POI.IARS ANP i:IG!-IT Oi:NTS ($0,006.00), Lla IIppama IlY Ihe Slntell1anl 01 Apoo\iI1\ herelo
allaphed, mllete a flarl hereol and markeel aa i:xhlill\ "A". ,
0, Dlle \0 Delendanta etalmllt 111 plIYll1enl pI' allld Ilmpun! eHle IInet owlno l1a I1foroal1let, I1net undllr Ihe \erma
I1nd condlllona \0 which Delendl1nla aoreedllponuae 01 the Dlaoover cmdlla sellorlh on i:xhllllt "13" Illlllohed hereto and
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made a parI Ihereol,allorney's lees have ileon I1dded 10 slIldl1oColtnlln the I1mount 01 ONi: THOUSAND, THRi:i:
HUNDRi:O THIRTHOUR DOI.I.ARS AND TWi:NTY-SIX Oi:NTS ($1 ,334,~El),
'0, Plalnllfl 111\s frequenlly del11l1neied fll1ymllnt Irom Defendanls of said amount due <mel owlno aa I110resald,
ilUI Defendants refused anel neolaoled and sllll refuse end neoleot 10 pay aald all1olll1t of any part thereof.
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WI'\l:Ri:FORi:, Plalntllf Ilrlnoa Ihl6 a\11\ 10 reoover frol11 Defendants the sum of Ti:N THOusAND, TWO HUNDI~i:D
TWENTY-NINI.:,DOI.I.ARS AND THIRTY-FOUR OENTS($10,2~O.34) alono wl\h Interest Ihereon from 'May 7, 101l0,
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Raapeo'Uull\'.sullll1ll1ed,
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KNU~8(t<90AKI 1",0, '
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Roller\ p, I<odak
407 North Front Slreet
Posl Office BoX #11040
. HarrlsPuro, PA 17101l-1040
(717) 238.7161
Attorney 10 No. 18041
Attorney for Plaintiff
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Ccudmember Agreement.
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Greenwood Trust company
Member FDIC
MII~HHm .." "'~'rWO~K'
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CAROMJ3MaSR AGRSeMSNT
PIQ~aQ ro"!IIIII~ AurpPIllPnl Qnrollllly !Jolnr" \Ialno'ypur PI~oPvllr~ Oonl Auopunt, II ponlnlnR Illp
l!lrmR nn" aonl1llllH1R 01 your,Aaaounl, ROm" of whlal1 n1py IIpvo ohpI10lln Irom o"fllllr Illnlprlnla
provlnllQ to VOll. 111 tlwpvpnl af nny 11llloranonR, IlIla Aurallmnnt almll oonlrol,
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AGRggMgNTiERM~, Tl1oworq "AcPoul1t!~
m~~n~ your PlllPQvur Curd Aoopunt. Tl1n
WOf(~ "q~rd" meMa ~nY ona or mQre PI~.
,OQvar Carcta ISfil~ed to you or someone olse
. with your "uthorl~iltlon, Tl1u worcts "you",
'Iyour'~, or "yours" I'efer tO,ln nddltlol1 to you,
\llQ Oi\rdmemlJerl \lny otl1Ol' purson or per.
sons whoara also contmctually liable unqor
fills Agreement. TIle worq~ "wa", "ue"and
'our" rafer to Grnenwood .Trust compnny,
the Issuer of your Plsoovar Card. '
, AOOgpTANOa OF AGREEMENT, The use of
your Aooou~t or a Curd, by you or anyone
whom you authorize or permit to use your
Aooount ora Curd, means you accept tlllB
Agreement.
US\: OF YOUR ACOlJUN'r, YourAocount
may be uBad for: . '
· Purohllses . to purchase or lease goods
or servloes from NOVUSl!) Network mer.
" "oh,ant~ by presenting your Oard or
aOoountnumber. '
· qaah Advances. to obtain casll advunces
,at NOVUS Oash Networ~ automated teller
machines, from pllrtlclpallng flnanolulln"
stltutlons or other 1000tlonsI 01' by means
of c/1ecl<s which we may (urnlsh to YOUI
aU In aocordance with suo/1 additional
terms and oondltlol1s as maybe Imposed
from tlmo to tlmo.
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. aalanoe .Tmnafora ' to tran~for balanQoa
.from otl1(31' oreqlt oPrd aopounts by meana
of balanoe trun~fer ooupons or ohooks,ln
, aooordanoo with sllPh m.1dltlonal tarms nng
oondltlon13 of offers 1I1at nra maqa from
tlmato time. ',' ,
In addition, your Aocount may baUsed to'
guarantee 110tol resorvntlons at pt:lrtlclpat.
Ing ustnbllshments. You will be lIabl(ffor
guaranteed roaarvatlons tllat are not enn.
oaled prior to tile .tlme speolfled by the '
establlahment" .'.
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You agree that 'you will onlY usa. your Ao.
oou nt for personal; family, housahold And
oharltable purposos, Your Aooount may not
be usod for business or commerolal,pur"
poses or to obtain loans to.purohasa, carry ..
or trade In securities. Inaddltlon. your Ao.
oount may not be used to payany amount
you owe under tills Agreement, PrIOr to Its
USO, eaollOarci must be signed by the per"
son to whom It Is Issued. We are not
responsible for the rofusal of anyone to ac'
aart or llanoI' a Card or to aooept ohecks
. that wa have provldad you. YOU must 1'0'
turn any Card or' unused 011eol<s to us upon
request, . ,.'
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AUTHORIZEOCARO USERS. If you want to
aancal tlle authorized or permitted use of.
YOUI' Acoount by anolllar person. yau must
notifY us In writing or by telephone and de" .
stl'oy allY Card In that person's possDssloll.
None of your rlohts ,ulldar this Agreement"
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" ~ ''(lith~r IImn.to PAY Alllounts owed) ll1ay IJ~
,,' axarolapq Iw Any person not n purty to t/1ls
Agra~lllant notlnQ 'pursunnt 10 a powor of
Attorney, without PlJr sopnmtp wrlltenl1oroo-
. mant (W/1/0Il W~ Ilre not QlJllunt~d to alv~),
~IAal~lTY FOR WNAWTIiORlzao Wag, If a '
Ollrd Is lost or stohm, or If YOU 1/11nl< l/lat "
somgonrJ Is using your AoootJnt or n OArd'
without YOUI' permIssion', notify Us Imllledl-
. ataly, You Dan notify Us by lO,l,e p/1onlno
.. 1.aOO.PISQOV8R (1.800.347,2683) ,or by
writing DISOOVgR CARD, PO ao>; 15156,
" Wilmington, 0819886.1002, '(ou mAY IJe
',labia for tile unllutllorl~od usa pfn Curd or
yourAo,Pount, You will not be lIaple for un.
lluthorl~od Use that ooours Afier you notifY
Ullt by phone or In writing, oft/1o'lo$s, l/loft,
, ' or posalble unauthorl~ed Use, In ,any 0118e,
' your liability will not eXDeed $50,00, "
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ORaOIT ~IMIT, We will advise you of your
oredlt limit, We may Inorease or decrease
your cmdlt limit from 1Imo to time, You agrso
not to exooed Dr attempt If,) exooed your credit
'limit, You will excoed your credit limIt If you
, allow your unpalq balance, Includ/ng FInance
" Oha~ges and fees, to exoeed your credit limit,
Your oredlt limit will not Include Ille amount
of any credit balanoe In your Aooount,
PROM,Isa TO PAY. You agree to pay us In '
u,s~ Dollars for 1.11/ pu rcl1uses, casl1 advances
,and balanoe transfers 'Inoludlng applicable
,. ,Ftnance Charges and otl1ercl1nrgos or feos,
" , Incurred by Y9U or anyone ycu autl10rlze or
permit to use your Account Or a Card, even
, If yOU do not notifY Us that 01/1ers are Using
your Aooollnt or a Card, We 1'111/ convert
purchases and cash advarlCos made 1/1 n
foreign currenoy to U,S, Dollars at n rato
existing on tile date of conversion, If you
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p~w U~ In ot/lOr tllAn U,S, POIIAr~, we Inny
rafu~a to nacept UlQ pnyment oroharOe your
Aocount our coal to ponvert your pnymanl
' 10 U,S, !JoIIRrs, 1\11 Gllepl<~ IllU~t /ledrrWIfl
pn funds on rleposlt In tile, U,S,
If your Aoaount Is A Joint A090untt eaoh of
you agrees to lIe IInDle IndiViduallY and'
/~Intly for 1110 entire Amount oW(3d on your
Aoppunt, Wa can /leoept IrHo paymonts or
partIal p'1l~ments or cl1ool<s and l110nay orders '
mal'l~ed.' payment /n full" or with any ot/lor .',
restrlotlve endorsement without loalng any
" of our rlgllts llnder 1/11s Aoreement, '
MONTH~Y al~LINU STAT~MI:Nl', We 1'1111 '
send you a billing statement after eaoh
monthly billing period In W/lloh you have 11'
dablt or orBtilt bnlance of $1,00 or more, 11113
bllllrw statement will ,.show all purohases,
oasll advanoes, balanoe transfers, Flnanoe
Ollarg~S and other Glla,rges or fae, s and all
payments or, otller oredlts posted to your
Aooount during tile bll/lng perIod. It wIll
show your Naw Balanoe, MInimum Paymant
OUo and Payment Due Date,
MONTHLY rAYM~NT OPTIONS. You may
at nny time 'payllle entire Newea/anoe
. shoWn on your billIng statement; but each,
month you must pay at least th0 MInimum
Payment Due, All payments must be mallad
or delivered to us In Delawnre at PO Box ,
6011, Dover, DE 19903-6011 or by Using " f'
the envelope enolosed with suoh statament,
All payments and other credIts Will be applied. :.
. as determined In our discretion, We re.serve
t, he right to apply payments and other aradUs '
to balances subject to lower Annual Peroent.
age Rates, such' as special rate balanoe '
transfers, prior to balancos sUb/eot to hlghor
Annual Peroontag~ ,I~atos, .
'MINIMUM MONTH~Y rAYM~N'f, 'fIla Mini,..
mum PnYl110nt Duo 0~p11 nlOnlll will /Je tllo
~um of Any nnlPunl Pilst dUll nnd 1110 mini'
JllUm montllly pAynwnt, Tl10 mlnlmulll .
montl1ly /lAym, ont oaol1 111011111 will. Ilo IIle
Qroator 0 $10,00 or nn nmount oqtlnllo 1/
, 46tl1 of 1/10 Now Salanoo, roundod to tl10 next
11IQ/101' wlwln Qnl/ilr Ampunt, However, If t/1e
New 8AI~nco Is less limn $1011110 minimum
mpntl1lY mwmant will Ilo 1/1(3 Amount of tlw
New SA/Anco, You GAn pay Ql1oad, Tile Mini,
ml-lm Pnymont Puo for eaol1/Tlontl1ly bll/lng
porlod will Ilo reducod IlY 1/10 umotmt YOU
.Ilavo paid In exces::! of tllO Minimum Pflyment
Duo In nny of tile throo preVious monthly /JI/I" "
I' ,Ino periods, loss nny portion of tile excess
alreadY Used to reduco pnymonts. However,
t/laro will be no roduollon If you /1ave ex-
Qoadod Your orodlt, I/mlt: ,or you l1ave paid tllo
ontlfo New Balance shown on your billing
statornont.lllore W/l1 also I~e! no reduction If
your Aooount Is not current, has not aonar-
ally poon paid In anaccaptable ml~nner or Is
otherWise not In good standing,
QREOIT SALANOSS. Wo wIll rofllnd any
oratilt balano(l within seven buslne~s days
from receipt of your wrltien request. If you
do /lot requast a refund, we will automatl'
oally refund MocHt balances greator than
$1,00 wllloll remain Inyour Aooount ofior
, ,two billing periods. '
BALANOa TRANSr~RS. We may parlodl-
oally offer yoU (he opportUnity 10 trunsfor
balanous from other credit card accounts to
,your Aocount, eaCll offol' will contain an
. Initial special rnto, which will be the Annual
Percenlngo Rnte that will apply totrnnsfel'rod
balanoes fortho limo porlod spoolflodln the
offer. Aftor tho oxplratlon of tills time /)0-
,.rlod, tho Annual Percontago Rllte that upp len
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for purplms~s will Apply 10 trAn~fmijq PA/'
anoas, Bolanoo tl'RnsfPrs sub/aot 10 tha Inlllal
spaolul mta urn rafarroq 10 As spoolnlrnto
bulftnoo Imnsfors: I)ulanpe Imnsfara forwhlol1
1l1a Initial spaolnlmla IHl~ oxplmd ara refarred
10 as purollase rnlapula/lcelmnsfors. ,
glwh of1ol'wlll contain an expiration unto, If
you u11emptto transfol' balanoes by means
of a oheOK After the expiration duta, We will '
Ireut tlH~ tl'l1naaotlon us n CUSll udvunoe. We
will not muko !lulflnoe tmnsfa/'S at1ampleQ by
means of a ooupon after 1/10 expiration d.ille.
paAIOPIC FINANOR CI-IAROas, !:xcept as
axplalnod bslow, Parlodlo flnanoQ Gllargos
are Impoaod on purohases, oaah !1tivuncos
and bulancs transfnrs from tile dats Iho
lransaotlono(.)ours to the date of repayment,
If tha transaotlonla posted 10 your Acoount
aftar tha olose of the billing parlod In whloh
It occurs, We will Iraat Ille lrunsaotlonas"
IllWlng oQourred on tha flrstdlW, of the bill-
Ing parlod In Wllroh It Is posted to your
Aooount We will assoss Perlodlo Flnunoo'
ol1arges as follows: '
(1) Current SIII/ng Period
Perlodlo flnanoe Oharges nra Imposad,",
for the ou rrent billing period on pur-,
ohasas,onshadvnnces and balanoe.'
transfors unlass you pn/d.by the Pay.
ment Pue Date, the Now Salanoq shown, ,.
on your prevlous/Jllllng statam'ont, We '
oompute Perlodlo Flna,' noa Oharges o,aOh"
day by mUltiplyIng your dally balances
of purohases, oash advanoes and bal"
, nnoe transfers by the .applloabla Dally
Perlodlo Rates, Only speolal rate bal- ,
nnoe transfers aro InclUded In the dallY.. "
balanoe of. balunoetrnnsfers; purellaSe.,'
rata balunce transfers aro IholUdod II1.t/1O
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, , 'd"IIy'Ilf\I~i1qQ of purnlla~o~, At t/l0 llnu of
\I,~ 111111no porlo(L we R(jrlllp t/w r(lsl~lla
oftl1a~o dolly Onlnlllatlllns to (jotormlno
yoUr parlo(Ho' Flnnndo ClwQos(ol' \110
1~llIlno p13rlp(L '
For purol1nsas, tile dally Ilalnnoo Is cnl'
oulntad on aao/l dlW lly (Irst nndlno tl1a
following to tlw previous day's dOlly.
balan" os: PUrOllft, ,sea modo IIH1t dny, fOBS
ohargedtllat day (wllll111a exoeptlon of
Transnotlon' Feo FlnancoOhnraes) nnd
Parlodlo Finance Cl1nrgg13 cllarood on IIle
Prevlo~16 day's dally IHllanco: and l)y tllen
sybtrnctlng (\ny cradlte and payments
that llntappllad noalnst ,1110 balance of
p~roha~13s nnd purchase Jate balance
transfers on thut day, On tl18 first day
of the billing perlodwo also ndd to tile
balance'those balanoe tmnsfera tllat
baoome purchaso rute balance transfers
on that day, '
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For'cash advances, 1110 (inlly balance /s
oalculated on each day lly first uddlng
t1w folloWing to the preVious daY's dally
balance: casll advances mado that day,
Transaotlon Fee,Flnance Charges for
oash adyanoes made that day, and Perl.
odlo Finance Charges charged, on tile,
preVioUS day's dally balance; and by tllen .
, sUbtraotlng any credits and payments'
that are applied against 11113 balanoe of
" cash advances on 111 at day,
7 For balanco (rnnsfersitllo dally balance Is
,calcUlated on oacll day by first adding 1I1e
following to 1I1e preVioUS day's dally bal"
ance: balance transfers mado t/lat day and
Perlodlo Hnance Chargos cl1al'ood 011 the
preVious day's dally balanco; and by 1I1en
subtmctlng any credits und.paymonts tllut
are applied against the balanco of balanco
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Imnafam pn tl1at day, On tl1a flrat nay pf' "
1110 QUrrDnt IJllllno parlod We al~Q aUblmGt
f!'Pm .\/16 balanoe thoSQ Imlanoa jrnf1~f6r8
\/lat 11ooomo purollasa rata llalanoe.trans'
fers on .tllUt dny, '.
(2) fJravlous, allllna Period
Perlodlo Flnanco OlllUOea nr!] Imnos~q
for tl1a pravlous 111111no period on pre"
.vloull billing period pUroIH\sas, oRsh
Ildvnnoes and balunco transfers unless
Porlodlo FIllftnoa 0lHHge8 ware already
Imposed for tlll\tl ,)1I11119 period, or you.
paid tile Now Salunoe shown on your
prevlousl)lIl1ng statement by tha Payment
PUe Pate, lb computa these,chl\rges, We
Uso Ihe same l11etllod of oaloulatlon .
, that We use In oaloulatlng tile PerlocHo
Flnanoe Oharges for tl,e currant billing
perlockas dosar/bed abOVe, t exoept tl1at
the applloable DallY Perlodlo RateD are
applied to dallybalanoaa of purohases,
cash advanoes and balance trnnsfars for
eaoh day of tile preVious billing period,
These dally balances are also oomputed "
as des,crlbet1 abova, with tl18, "prevloua
, " day's dally balanoe"oonslderaq, to have
baen ~oro on the first day 01tha billing
parlod. " ,.
(3)' PallY Periodic Rate~. and Annual Ptlrcent.
age Rates ' . '.' , . .,
.' TIle Dally Perlodlo Rates applloabla to
purohases and oasl1 advanoasfor the '".i
ourrent billing period and the prevlq.us~ L/"
billing porlod are basad onthllAnnu~I"'6;
.' peroentage Aate In .effectfor eaah billing.. <'i>
period as detarmlnad beloW. Tl100allY''tj''
Perlodlo Rates for eaoh bllllngpnrlodaro;.lit
11366111 at the Annual Paroentaaa.Aato$' ,,'':!'1:
In effect for the billing p~rlodi..11'QAnnual'!;':.il;
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" . pQr, p~n,tno~ R~t~ for I)UrPlln~na, muy bo
. ohnnoeq PA~en on () wngos In tile rnto
. I~volfor wllloll you qUAlifY, i1~ ox.
, . plnlnaq bolow,
ThQ Annunl Parcenlng.o AnteR nro dolor'
mlnod In pnrt IJY Iho primo Aute, For
gurpo~oa of Illla Agron/Tlont, 1110 Primo
Rale la.1I10 I11gl1a8t rnto of Intel'oat IIstO(1
a~ tllll "primo ruto" In tllO monoy rotos
. section of ' 8 'I ) . on
tho lust IJI~slnoss l1a,y of tllO montll,
Whon tho Primo RAta chanoos,. \110
" Annunl Percentage Antos will chnnoo
beQlnnlng on the first day of tile tlrst
billing pal'lod whloh begins In tho cnl.
~ndar month following tllll chango In tho
Primo Rate. Inoreases In tile Prime Rnto
" may;, cnusetha Dally Parlodlo Ratea,
Perlodlo Flnnn90 Ohurgo~ und Minimum
Paymont DUeeachlllonth' to Inoroase,
Tha PrIme Rate Is Illerolyu pricing Index
and does noireprasont tl1(3 lowest or
,. pest Interest r~teavnl/nbla to 'a borrower
at any partlculnr bunk ut any given tln1e,
(4) ~nnual Percentage Aale for Purohnses
We Illayhave olferod you an Introduo,
tory rate on purohases, ,11le Introductory
rate Is the tlxed Annual Percontage Rate
thatwlll apply,to purChases for 11113 time
perIod specltled In Iho offer, After expi-
ration of tills time perlDd, 1I1e /\nnual
Peroentage Rate fDr purchases wll' be
.~ as desDrlbed below, .,
The two Annual Porcentnge Ratos tllat
. generally apply to purchnsesure IIle 8est
Rate and the Slandard Anle, The rate
.Ievel for Whloh you qUUllfY Is based on
tho totul amount of pure/lases IIlat YOLl
make during UIl annunlperlod, ns ex~
.It
plAlnod balow, Purolla~o~ Whloh com.
po~o 011~ nnmml total am som~t1mij~
roforrp(~ to as qunllfHH1 purohAsos, Wa '
mallo co/1nln appropriate nd/uatments to
quallflod purol1nsoll In reapoot pf Ao~
count notlvlly (e'(]11 A orodlt ISsUed forn
roturnod purohase), ".,
You will q~lallfy lor nnq rooelva Ihe Sost
I~ato until your tll'st Anniversary Patel
subjoct to Subsection (6) IJolow, Wo
refer to tl10 clato t11ut Is Ihe last day of
Ihe Iwolfth bllllna periOd after your Ac'
count was opened, n/l(~ eaoh annual
anniversary Of1llllt dats, as your Annl.
vorsary Data, On euch Annlvarsary Palo,
SUb/eot to Subseotlon (6) balow, we will
datermlnu your rata IGvell1aslH~ en tetal
qualified purohaaes for the praoadlng 12
billing periods, You will qualIfY for tho
Standard Rate Iftotal qUalifIed pur,
ohases am less than $1000,00, 'and the
'Bast Rata If total qualified purohasos Me
$1000,00 or more, TIle now rato level
will applY to p,urohnses (InalUdlng tho
outstanding purollns~ balanoe) begin'
nlng on tile next day and through your
next Annlveraary Oato, subjoot to.
Subsootlon (6~ below,
l1le aest Rnto Is nn ANNUAL PERQENT,
AGE RATE of Prime Rnte PlUS 8,9'
peroentage points, wltl1 a mln/mum of
12,9%, n,a BlandaI'd Rate Is an ANNUAL
PERCENTAGE RATE 011ho Prima Rato piUS
, 8,9 percentagapolnts, Wltl1, a mill/mum of
, 19.8%, 111e ally perlodlo Rates and 901"
responding Annual Percentage Rates In
effeot an tlla dnte this Agraement Istur-
nlshad to you are set fo 11 11 111 tho anolbaod, ,
"Addlllonul, DIsclosure" or card oarrfor.
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(/i)-AnnUAl 1?(HQontnoo Rnte for Oilsll
.' Advanoes ' '
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. The /\NNUAI, PEI~ogNTA(W I~ATE lor
.oas!l udvunoos, sub/ectto SUl1socllpn (6)
balow, Is tlw Prime Rute pius a,9 pOI"
oentnge polnta, wltll 'u minimum of
1 a,80(o, TIle PullY Porlpdlo Rilte und Qor'
responding Annual Porcontngo Ruto In
effeot on tile dute tllla Aoroemonf Is fIJI"
nlallOd to you aro set fOlillln tile enclosed
"Addltlonul Dlsclosure" or oArd cmrler,
, (6) Rate DlsquAllflontlon
Ifas of tile ond of any IJllllno '\)Orlod., In'
eluding a IJllllno porlod ond nQ on un
Annlvor13ary Dato, Y,Oll I1,UVe failed to
muke.tl1o Mllllmum Paymont Due IlY tllo
Paymont Oue Dato In tllat IJllllng period,
undyou fnllod to mako tl10 Minimum
. Paymont Due by tile Payment Duo Dato
In tile procedlng IJllllng period, you will
.. bo disqualified fGrtlle rutes doscrlbod .
.In,S~bSeotlons.(4) a, nd (5)'ubove, If tills
... OOQurs, your ANNUAL PERCENTAGE
RATE for purchases undcasll advances
will cl1ange to the Prime Rate piUS 1.3,9
percontage points, wltll a minimum of.
19.8%, Tllls rate leve/ wll' applY to your
Aooount (lnoludlng outstanding bul"
atlnces) beginning On..lIlo next day und '
Hougl1 your next Anniversary Date.
However, If at tile time you ure subject
,to anlntroduotory rata or a special rute
:balance transferl'llte, tile rute 011 tile bal.
,. ances sUbJebt to tile IntrOductory rute
, or tllO special rute \Julnrice transfer mte
Will/not Ol,lungo until tile explrntlon of
t ia Introductory 0/' spoclal rate balance
t1'ansfer rato period.
, The Dally Perlodlo Rata and corrospond"
" Ing Annual Percentage Aato 111 a1fect on
'-,1' .
.'
Ihe q~ta tills Aoreoment I~ furnls!ledtd
you ore 8at fortl1ln tile onoloso~ IIMdl.
1I0nal Plsolosurell or onrdoArrler,'
,(7) Annual Peroentnge Rnte for ~nlonco
, ,. Tmnsfera
Thl3 Polly Periodic f,ute nnq oorrespond"
Ing Annual Peroentaoe Rata In effeot for
spoolal rata Ila/anoe trnnsfarfl will bo sat
, forth In tllS offer from us unqQI' whloll
'you r11al<e tlie Imlanoe tmnsfer. As Indl"
oated In tl10 Solance Transfarfl.Sootlon
above, purcllose rute balanoa transfers
, wllllJe 8ubjeot'lo.the Dally Parlodlc Rate
and oorrespondlng Annual P~roentage
Rat~ tl1a,t apply to IJUrc/luse,fl. If you re"
oelved an offor pI' or to YGur reoelpt of
thIs Aoreement, 1110 Pally Perlcolo Rates
anq Annual Peroentage Rates In effact
on tlla date tills Agreement Is furnished
to you are set fonl1ln tile enolosed "Ad"
dltlonal Plsclosurell or oard carrier,
TRANSAOTION IlEEFINANOE OHAR13ES. .
We will charge you n Transaction Fee FInunce
Ollarge of 2.5% ot tile amOllllt of eaoh new
caall advanoe. TllOre Is a mInImum Trans"
actIon Foe FINANOE CHARGE of $2.00 and
no maxImum Transaotlon Foe FINANCE
OHARGE. Tlle Imposition of Transaction' Fee
FInance Charges may, result In an Annual
Porcentago Rate for oash advanoes that Is
Illghortllan the nominal Annual Percentage
Rato. All, forms of oash uqvanco~t Includ.. "
Ing the use of Dlsoover' oard oheeks, '
regardless of the purpose for which Used,
aro sub/oot to Transaotlon Fee Flnlltloo
Ohargos. To .obtaln tllo total Flnanoe Chargo
on oash advancos fer enoll billing parlcd.. ,,:i, .
we add any rransacllon Fae Flnanoe Oharuoa .
for tllo billing Rerlod chargodundorthls sao-
, Uon to any Parlodlo FlnanolJ.Oharuou
'"4nIQuln\aQ um1er .tl1aPerlpqlo Fln~noe
Ohf\rqe~ aontlon alJove, .
MINIMUM raRIOPIQ '-INANoa OliARua,.
Wa wlllollf\roo YOU flmlnlmum Porloctlo fir
, "NANOU OHAf,Gg of $,69101' any, bllllno
g~rloQ In whlol1 &Ol11e Perlpctlo I:INANOa .
OHARGg of leaa 1110n S,150woulqotllOrwlao
. PO Imposed,., ",
RarURNEO Olia"CI< PEE, We will ellUrge you
a Returneq Cheok Fee of $15,00 euoll tlmo
you pa~ us Wltll a ollecl< tllat Is returnod un'
palQ, This fee ','1111 also apply If a deplt
lmnsactlon to fl deposit account fmm wlllell
you !laVe autl1orlze.d us In writing to perl,
oclloally deduot all or a pal1 of an amount
you oweus undertllls Agreement Is returned
unpaid, ' "
.' LATE fEE, We will ollarge you a late Foe of
$IW,OO .oacll time t11at, as of tile tOlll day
, follOWing u paymen, t pue Dato, you Ilave
, falleq to mC\l~e a requlreq payment: "
RESEAROH FEE, We may cl1arge you aRe"
,searol1 Feo of $5,00 for eacll copy of u bllllno
statement or sales sliP tllutyoU request,
However, .we will not charge aJee If you re" "
quast caples In connection wltllu billing errol', .
OVERLIMIT FEE. We. will cllarge you un '
Overllmlt Fee of $20;00 eaell time t1lat as
, of the oloseof a billing period, you l1'ave
exoeeded your credit limit, T11ls foe may I)e
oharged even If tile transaction wlllall causes
you to oxaeod your credit limit Is uutllorlzod
by us or If you exceed your credit limit due
to the posting of flnanoe cllarges or fees to
you r Aacount. ' '
, ' '
OEPAU ~ r.AO 0 E L.aRATI ON. 0 0 LLECTI 0 N
OOSTS. You ara In default If you lJocomo
L>,'
.
,
losolvQot, If you (\Ill n b~nl~rup.tpy n~tl\lon
or 11UVll pnll fllou !\@Inatyou, If wa h~ve ft
rousonuble IJollet that you nra ul1f\l~IQ'pr un"
willing to mpaY your plJllgutlpna to us, I(you
am deol!\roq Inoompetont IJY ft oourt PI' If u
court uppolnts ft O\H1rdlllll tor you or!\ Con"
servatol' for your aasats, If you (jla or If you
ffill to GomplY wlt!1 tlla. tMma of this Agreo"
ment, Inoluqlng fulling to mal<e a required
Pllymant wllan dUe or excoe,dlna your orodlt
limit, If YOI~ uro 111 defAult We mayulso do"
clara tlla entire b.lllHnoe of your Acoount
Immedlutelydue and payabla without no"
tloe, If we refor tll13 oollootlon of your
Aooount to an attorney, We may c!1arge you
reaaooal~la Rttorm~ya' fees and oourt or otllor '
oollootlon oosts as pel'mlttQd by law !\nd as '
aotually Incurred by us~ '
OANOE~l.ATION, You may ctlnoal your Aq-
oount by notifying us In writing or by
tclePI1,ono and roturnlng or dastroylng ev"
ery Oard and unused Cllock that we Ilave
provided, you, Of coursa; you will stili be
rQsponslble to pay any amount you owe us
aooordlng to ,tllO terma' of \l1ls Agreement, .
If your Aooount Is a joint Aooount, eaoh of
you maycancol your Aocount. We mllY oan~ .
oel or suspend your Acoount ,at any tlme' :
wltllout notloa, We may clloose not to' re-
new you r Aooount (beyond tile oXPlratlon
datoshbw~ on ,the faoe of it Oard) W thout
notloo, ..
II" -.
PRIVAOY, We may Invl3stlgato.yourcrtidlk
employment und Inoome rooorda llnd verifY ,\'
" , your orodlt referonoes. We also may roport
to oredlt reportln~ agenoles M~ othor otu,p,I'
tors tho status and pllymontlllstorY of Ydur
, Aooount Inoludlng n,egatlve oredlt lnformu" .
'lion, We.normally report, tosuoh oredlt '
reporting agenolos enoh month. WO will not
., _" ".. _, ... 'r
,.
"
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,',
!,
r~I~~ijft.thl~ Inforllllltlonnpput your AGno~lI1t
, 10 ftllY othar p~rty wllho\Jt YOIJr prior \vrlt-
tQn parllllaalon or logfll process, HQW0Vllr,
If yo~ ora In defftult, you vlolAla tlllltllrllls of
" thla Aoraemantoryp, u tile flllAnl<rlJptcy po"
titian or Ilftva Dna f1lad flgfllnat you, wa nHW
'rl3la~sft Informfttlon fll)out YOIJj' ADoount to
thlrp Pftl11ea wllo IllftY flsslat Ua III enforcing
our rights UnQllr tllla Agreement, Wa IllflY
I\laQ Inoludo ~our liame Clnd flddrosa Clnd,
Qtller l(jantlfylnQ Inforlllfltlon on lists (If
OardmelllPllrs furnished to oQmpanles sllll"
Ing prodlJct,~ or services 1I1nt Ill11Y 1)0 of
Illtorost to you, our supervlaoryporsonnlll
ml\Y IIston to or record talllplloll0Culls Pen
tWolln you llnd our ropresentfltlves In order
to llvnluato the qUflllly of our servloe to our
Orud[J1emllera without 110tlco to you, We
,may Use automated telepllonll ~qulpment or
prereoorded telepllone calls to contact you
about you'rAoooullt,
OREOIT AUTHORIZATIONS, Oertaln pur-
, ohases and Dnall advancos will require our
authorli!lltlon. prior to COl11pletlon of tile
,transaction, In some cases, you mtW be
: asked to provlcje Idontlflcntlon, ,If our au.
thorl~atlon systl3m Is not working, we IllUY
not bn able to,uutllOrli!e a transaction, We
will not be liable to you If any of t11eSIJ events
happen,
OHAN,GE OPTERMS, Wa may change any
term or part of thl~Agreement, Inolildlng
a~y IInaOl:o ohnrgernte, fea or method of
oomputlng (lny tJalaMoe UpOI1 whloh the fl.
'nanOD oharge rate Is Elssesslld1 by sanding
yoU El wrlttOl1l1otloe at least i:lO days be-
" foro tho ahange Is to beootnooffaollva. We
may apply !lny such ohango to the out.
" standlMO !lalanon of your Aocount on tile
affaotlva date of the ohango onu to ntlw
,
,
.. gIHHQa~ Inftdaftftar 1IH,t Ilftta, If YOllllo
nptngma to tlla phftOQll, you m~IRt notlfy
ua In wrltlnQ wltllln ~O dllya aftfH tllP mall.
Ing of tha Ilotllla pf Ilhanga at 11m addreRs '"
pnlVlnad In tlW.nptlpa pf ohftnga, In Wllloh
. olHla YOllr APopunt will ha IllolHHf "nd you
Inuatpay us tlla Ilftlnnllll thftt YOllllWa us
under the existing tarms of tha unolmnuad
Agreemant, Otllarwlsa, you w/ll have
i1graeQ to tM ohanges In thenoUpe, USe
ofypur APopunt nf1ar tha effaot!Vnllate of
tha olmngo wllllla daemad ftOIH~p.tanoa pf.
tlla' newtarms ~s, of auoll .affaotlve data,
avan If YQU prllvlously notlflodus that you
dId not flgrel3 to tha Ill1an013i '
CHANGa or APDRESS, If you change youI' "
address you must notify us of your ,now
addross wllllln 15 days,
ASSIGNMENT OF ACOOUNT, We may saiL
aaslon or trunsfer your Acopunt or any por~
\Ion thoreof \yltlloUt notice toyou, You may
not sell, assign or transfer your Aooount
wltllOut first obtaining our prior wrltton con'
sent,
GOVERNING LAW, This AgroomentwllI ~o ,.
governed ~y tIle laws of tlle statB of Oela-
wareund applloable faderal hW/s. ,Ifany
,part of this Agreement becomes unonforce-
able, It will /lot make any othor part
unanforceable, .
Greenwood Trust Oompany
DISOOVER CARD
B
-
VIce Presldont
OASHSACKJ30NUS@
TERMS AND CONDITIONS
, ThQ Oaah~aok Opnua T~rmsnn(t ComHtlona nra not a part ollho Onnjlllam~ar ^urpamnnt, ..
1, C, ash~"okaonua~ Is pn amounl denOm,lna(O(j In 'will havo Iho oppor1unlly 10 reCelVa 11\0 Oa$h~aok
dollars an~ cenls ,WhiCh may bo oftfnod by Ols' aO,nus In a casll o,qulvnlonl ( ,e" Ch, eck or or~dl\ \0
COVQfOard Oardmombors by uslno (heir Discover \ha Cardmember s Dlscovor CM~ Mooun\), 1\5
Oar~ lor purohases, Oashbock aonu~ Is nol oarned part 011110 award fll01l1Od, \110 Oardmombor may
lor oash advances or balanco Iranslers, Cashbaok have \ho opportunllY 10 mako an olectlon or \0
"onus Is sUbject 10, Ihoso lorms and c,ondl\lons exerclso a oh,oloe as 10 Iho manner In which Ih,a
~nd Is sublect to chanoe wllhoUI notice, Caahbaok Oonus Is nwnrded or Iho award re, ,
oashnaok Sonus Is sublecl 10 dlsqualHlcnllon doomed, The Inllure to make suoh elccllon or
prior 10 being awardod In lhe circumstancos do' choice on a \Imely basis may result In tho exar.
sari bod holow, 'clsaol delault opllons or Inlho dlsquallflcaUon
~, Cashbaok Oonus Is clllculalod based on an an- of the Oasl)baok Oonlls award;' It Is lho
nual perloq corraspondl/1O \0 Iho Caromember's Oardmombor s rospo/1slblllly 10 nollly Plscov~r
annlvarsary y,ear, Tha lirst annlvorsary yoar bo- Cardin 1110 event a Cashbaok Oonus award Is nol
gins on the oate Ihe Card Is Issued and onds on raoelved or any reason, ,
ilIa last Pay of the Iwelfthll10nthly bllllno period Oardmombors have /10 rlohlla aooruodbul '
which fallows, eachsuccosslvo annlvorsarY year unawardod Cashbaok Oonus amounts: If an Ac'
Is the approximate one-year porlod comprlsod of count Is olose,d for any reason prior \0 Ihe
Ihe next twelvo monthly bllllno porlods, annlversnlY date, any accruod Cns~baok Bonus
3. TIle amount of Cashbaok Oonus Is calculaled by will be fonoUed, '
, multlplylngoach purc'laso by: 6, Presently, Cashbaok Bonus Is awarded by lnoans
. 26% (,002fj),lftho purchaso Is part of Iho flrst'Sl,OOO of (I) a credit \0 Account, II 1110 amount sloss
In purchasos during 1110 annlvorsary yoar "than $2,00 and \11) a chock mallod to Iho
, , $,610% 1.0060), II tho purchase Is part or ;he second " ~~11)mlm~e~n~~~,~tlr~0$~lb~ 6~a~~~t~~hlrd class .'
,ODd In purcha~os during tho annlvorsary year, C I b k Bid dIe d ' b '
'. ,76~o (.0076), If the purchase Is part 01 Iho Ihlrd 6. ~~~ ~Otan~r~~ ~ta\)f~ ~Im~ oal m~ma\~~r~~'
$1, 00 Is purchases during the anniversary year, ~ardmembers \'Iho are dellnquont at Ihe lime 01
· t .0% (,01), II the purchase Is part of Iho purchases Iho award may, at tho option of Dlsoover Card,
In excess of $3,000 during Ihe annlvorsalY year,' havo their Cashbaok Bonus appllod automa\lcally
Tho lolal of such calculallons for each anniversary as n crodlt \0 Iholr Account, '.
yoar dls tdhO amount of Oashbaok Bonus which will be 7. In tile ovont n Card Is lost or stolon, tho amount 01
aWat e, as doscrlbed bolow, TIle calculallonboolns Cas lback Bonus, Iho amount of quall~lng pur.
~galn with Il1e bcy,lnnlno of oach annlvorsary year, chasos and \ho annlvorsary date from tl10 old
Tile ca,rdmember s monthly billing slaloll1ent will ' Account are lransferred 10 tile nel'l Account,
S,lOW 110 amount of Cashback Bonus and IOlal pur' I I It t k
ohasos Ihrough the dato of Iho slatomont lor oach a. DIscover Card rosorvos 110 r 0 lama 0 appro.
annlvorsary yoar I I prlato ad/uS!1l10nIS 10 Cashbnok Oonus amounls
, in rospoct 0 Account activity (O,gl' a credit 10 an
4. Cashbuck Bonus Is awarded shortly. alter oac/1 Account In rospect of a prior purc laso will rosult
annlvetsaryyeat. TIlo oxact IMlhod of award may In a reducllon 01 Cashbook Bonus),
chango from year to year, but Ihe Cardll1ember
, 'c, OUIVIHiV 9190
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11. '
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\,:' 'llI~tWIIII, 1l1:1\~!(1I:1l. \lllllll . .'. .' , . .' '.' ,:';,: .' '. .' .
A~~aTATg ~IFa INSURANOg.POMPANY
, , Homa Oriloa ~ Np'i/lllrool~, 1"lnQI~
OgRTIFIOATa OriNSURANOE
, ,
A"~tAtQ (,lfQ InauronpQ Oornnnny (l1oruln cnl/ou
"Allatnto") /loa IS~U(ld MOlitor Polley No,
64401 (36~ 10 OrOonwQPu Trust OompnnY
(ll~raln onl/od "PolloyllOldar") w/lI0/1 prov/rJos '
Trnvol Acoldontnl Pontll Insurnnco for
Onrgmomllors of tllS Pol/oyl1oluarond Ullllr
allQIIl!o family mamporn, '
Nota Florlun rusldenls: 'nle I)enoflls pf tile polley
prPvldlno your coyerago ore govornod primarily
, Py 1110 lAW of q Slale other 1110n rlorlrJa, .
pnrlNITIONS
,"lnaurodPorsonll means Q Plaoover
, Oardmembol' In oood standlnQ'and tl10 folloW'
InQ depondonts of the oUl'dmomber: tl10 spouse
of tl10 oardmeml)pr If a resident of tile sarno
l1ousehold; und o,neh unmurrlad child, Inolup, '
InQ stepcl1lldronand adoptod children, notmoro
Ihan 19 years of ago (23 If a fulHlmo student),
Who Is dopendent upon tile cordmombor for
support and malnlenanco, In no ovent will 1110
same parson qUalify us an Insurod Person
, under morall1an ana DIscover Oard, Covorngo
for any Ilandlcapped child wll/ not lermlnate
sOlely by roa'chlng the limiting ago, Ooverago
will continue 1f-t1111 child Is aMoontlnuos t6 bll ,
, both (1) Incapable pf sOlf,suslulnlng omploy,
, mont boeauso ofmontal rolardatlonor physical
, l1andlcap nno (2) chiefly dopondont upon t1w
oardmornbor for suppor1 and rnalnton!1neo,
, "Injury or Injured" meansbo'dlly In/ury cnused
by an neoldent ocourrlng while t110 Ihsurnnco III
,In fol'oo for Ihe Ineurod Porson und wlllchln/ury
resulls. wlll1l/1365 days of 1110 accldont, dlroctly ,
and Indopol1dontly at all otl1or causes, In doatl1,
"
'J',. I
'I."''''
"oooupylno" m~ons rlplno In or upon orent~r'
InQ lnlp PI' ftllol1tlng from,
rWHiT ^QOIP~NTA~ PliATI11NSURANPg ,
^"stnte will pay 1116 npplloablo Aooluonlal DeaHl
IJenefllnmqunts for Injury susta,lnop by nn,
Insured Perspn wlll/e pooupylnQ nn alromH as a
faropRylno pnss~nger when f11ro Is ollnrg~d In
advnnoe, nnu not as n pilot or oraw member,
TIHl alrcraH must 1)0 provlrioq and pporated by
ariuly Ilool1soqpommon carrlor for regulnr
passonger servlco." ,
~'
Aooldontl'll Penth Sene/It when Insureq Porson's
fLlII all' faro /s o/1aroed In advanoe to tile Dls~
OOVer Oard Account: $500,000,
lDCOWSIONS '
, Acoldental Deat/1 Bono/Its ore not payable for
deat/1s causad hy:, ' "
1 I !lLllc/de willie sane or In!lanfll or
2. declared or undoclarod War or nny 11ot,,' .
l/1eroo(, ' , ' '
TERMINATION OF COVERAO,E
'111e Insurance on eac/1 Insurlld Person Will
automatically lermlnata. at 12:01 aIm.. on tile
.. data that they no lanoeI' fulfll/ll1e requlrbmants .
of an Insurod person as defined, or upon lerml.
natIon of tl1a Mastor Pol/oy, Terrnlnlltlon SI1I11/Ll "
1 ba wllhoutpre/udloo 10 any claIm orlglnntlng "..,
prior to 1/10 effectlvo dnto of termination, .,
GENERAL PROVISIONS
. I'
BENEFIOIARY: 'Unless otlwwlsu specltled by,
tile Cardmembor, ony sum due undq/'tM pollOy
for loss of lira of an ltlSured Parson wll/ bo p,uld: "j'i'\, .
1, \0 \he CMomampal't If IIvlno, 01lwrwl~e1
.
g~ . to tha spPHse of tllP G~rdlT1omhor, l.f Ilvlna,
, otharwlso1' .' "
~, equ~IIY to tho Illonllvlno I~wful cl1l1dron of
Il1e OardmomllBr InolHrJlno ~lopol1lldren find
a(:jpple(:j ol1lldren, If any, 01110rw18e:
4, equally 10 Il1e Our(:jn16mhor's purenls or
paront Il10n IIvlno, olllOr\'llsol '
Q, to tile eslate of tile CMdmomhor,
OHANUa Of aaNafICIARY: Tile Cardmemher
may ol1anoe Ille beneflolary nt uny lime by
writing to Allslate, Onoe \110 cl1~nools rocorded
. by Allslate It will laka effeolas of tll0 day 1110
" request was ~Ioned, subject to ~ny claim
payment ImIde before suoll rooordlno, TI1B
. Qonsent of. the benaflolury Is not noedodtor
the chanqe,
HOW TO RaroRT A CLAIM: Wrllton nolloQ of
olalm must be,olvon 10 Alistato ut Its Homo
OffloQ wllhln six months utter tile oocurronoe of
any loss coveroQ by Il1e rolley, or as soon as
raasonaply posslblo. '
Notice given by or on bel1alf of 1110 claimant
or the boneflclary wlthlnformatlon suff!'
olont to Identify Il1e Insured porson sllall ho
deemed notice, '
CLAIM FOli'MS: Onco Allstata roco/ves wrlHon
notloe of a claim, It will sond forms for tiling
prOof of loss. If thoso forms are 110t sent to Iho
claimant wllhln 15 days aftor AlIslute rooolvos
notlco, Il1e proof of loss requlromonts will be
met by ulvlng Allslate .written proof of 1110
"ocourronco, and cause of tile loss within 1110
tlma slalod In 1110 Proof of Loss Provision,
'. PROOf OF tOSS: Wrllton proof of loss must be
furnlshod to Allslato wllhln nine monlhs aftor
\"
.
Ih~ d~t~ of lo~~, ff thl~ I~nl~t rQ~Rbn~ply'
posslhle Allsl~le mlW not ~pny th~ QI~lm If
1110 propf Is furnlsho(:j as soon ~~ re~sonphlY
posslhle, hut not IntoI' th~n on13 year from
1111'1 tlmq reqUlrod, un lass 11113 ol~lm~nt WaR
leo~IIY Inoupullle of doing so,
rAYMgNT Of cl-AIM: Seneflt8 payable for loss
under tlw polloy will be p~ld Imme(:jlately upon
receipt of duo wrlHen \lroof of loss, If ~ny
benefit \mder this pol oy Is Plly~blQ \0 'un
Insure(:j Person's estate or to a ramon who Is
a minor or Is othorwlse not competent to give
a valid relealle, Allstate may pay part of the
baneflt (up to $11000) 10 any blood rolallve of
Iha Insured Porson, .
Any paymont made In good faltl1 shall fully
dlsollargo Allstale 10 1110 oxtent of such
payment,
~E(3A(" ADTION: Suit for benefits undor tile
p'olloy cannot be brought soonar than 60 days
. aftor Allstate recolvod wrl\ton proof of loss as
required, and no SUOll action maybe Initiated,
after tllree yoars from the lima written proof of
loss Is raqulred.
CONfoRMITY WITH STATE I.AWS: Any prov/'
sIan of the polley wl1lcll, an Its offllotlva date, Is
. In conflict with any law to whloh It Issub/ott, Is
amonded to oonform to the minimum requlro~
ments of suohlaw. .. ' 'I i;
I '
I '
AUTOPSY: Allstalo ut Its own expense shall I
hnve tile right and oppor1unlty to mnko an
autopsy whore It Is not forblddon by law,
ALLSTATE LifE INSURANOE OOMPANY
'I': "'c
, ; ,'i-
.'i/;
Mlchnol p, Duncan
Socrotary
Louis G. Lowor, II
Prosldent .'
"4'
Your SllIIng Rights
... KSEP THIS NOTloe-POR FUTURE USE
ThlQ noUoa cpnlllln~ ImponllnllnlormllUon a(loul your
rlght~, andQur rasponslblllUes lImler Ul0 Fair Crodll
amino i\Ct, " " ..
1, NotifY, Us In Ca~~ 01 grrors or QUQsllons l\bOIH
Ypur Sill "
II Yoqlhlnk your bill Is wrono, or II you need 1110ro
Information aboula transacUon on your blll)l'lfllo
, us on q soPlImta shool of pllP~r attllo lIadross
IIstod on your bill lor NoUco 01 allllng grrors, Wrllo
, tQ us as soon as possible, Wo Illllst 110ar Ira III
you no laler Ihan 60 doya a(jer 1'10 sonl you \ho
, IIrsl bill on Wlllchll1e orror or problem qppoared,
You can .lelopl1Dno us, bul dolno so will not pro'
sarl'o your rights,:.
In your loltor, Olvouslho following Information:
· your nllme and account number,
. lhe .dollar amount 01 tho suspecled error,
· desorlbe Ihe error,and explain, If you can, why"
yoU belieVe tlmo Is an orror, II you nood more
Information" descrlbo Il1e 110m you are no\ suro
about, .. '
If YOU have aulhorl~ed us 10 pay your credit card
bill automatically from your savings or chocking
account, you can stop \ho paymont on any amDunt
, you IhlnK Is wrong, To slop Iho paymont. your
lotter must roach us threo business days beforo
tho automaUo paymont Is schcdulodJo occur,
2. YROur Rights and Our Rosponslbllllles Aftor Wo
00011'0 Your Wrltton No\lce .,
Wo must aCknowlodge your lollor wllhln 30 days,
, gWanlodss Wo hal'O corroclod (ho orror by Ihon, Wltllln
, ays, we must ollhor corrccllllo orror or OX,
plain why 1'10 bellovo (ho bill was correcl, "
AI ftor wo rocolvo your 101ler1 1'10 cannotlry (0 col,
" oat any nn1o~nt you QUos lon, or report you as
dollnquont, Wo can con\lnuo 10 bill you for tl10
amdount you quosUon,lnolUdlng lInance chargos,
an we can apply any unpaid amount against your
crodlt limit, You do not havo 10 pay any quos'
,:.';
.
., \lonod ~mRul1t whllo 1'/0 are Invoa\lO,' Alln,O, PIli YOII .,
ara ~1II1 obllO~Hod 10 pay tho parts of your p IIlh~1
arq nolln quostlon, "
II we lll'd Ihal we made R mlslnko on your bllll
YOU I'll not 11ave 10 pay any f1nlll1oo oIW~QS ro'
Inlod 10 any quosUonod amo\1nt, If 1'10 dldn I m~ko
a mlslllko, yoU may hal'O 10 pay Iho IInanco
charoesl and you wlllhavu 10 make up any mlmd
pnymon s onlhe questioned nmount,ln ollhor
caso, \'/e will sond you a slatemont of \110 amounl
. you 0\,/0 and Ihe dalo that It Is due.
II you fall \0 pay \110 a'll1ount Ihat \'16 think you
01'10, '.'10 may roport you us dOI,lnquont, Howeverl '
If our oxplanatlon does not sa\ls~ yoU and you
wrlle us wllhln Ion dllystelllno U$ that you sUIl,
reluso 10 pay, we must toll anyona 1'10 roport you
" to tha, t you have a quostlon aoout, your bill, AndJ
, 1'10 m,ust loll you Ihe nam,e of anyone 1'10 roponoQ
~ou 10, Wa must loll anyone I'/e roport you to Ihol
,', Ir~aIWW~r has beon sottled belweon us wllon,1
If \'10 don't fOllo\'l\hesorUlesl\'leoan',t oolloct Iho
Irst $60 of \110 quos\lonod amount, even If your
blll\'las corroct, ,. " ,
'3, Spoqlal Rule For Or~dlt Card Pur9hasos '
If you hal'O a problom wn,h tho qll~II\Y 01 gOQdS or
servlcos Ihat you PUrchased willa croon oard,
. and you hal'O trIed In good faith 10 corroot tho prob-
10m wnh Iho morchant, you maY have the right ,
not to p'ay tho romalnlno nmount duo on Iho goods
or sONlccs, 1110roara 1"10 limitations on this nghl:
(n) you must hava mado Iho pUl1lhaao In YQur
flomo slale or, If not wl1l11n your hOmo stato, 1'I11hlo
100 mllos of your ourrent mailing addross:and
(bl 1110 purchaso prloo must I),avo boonmoro "
Ihan $60,. .'.' .
Those IlmllaHoos do not ap~IV If well own.or QP~,"., '"
oralo Iho mOlOllant, or If Wo Ola od you lhO
advertlsomen for tho ooods or.sorvIQQs.
.01\ I1llV'
'" ,
~Rf:f:NWOOP TR\JST OOMPANY 11ft'
nlf: PI(300Yf:R oARP
Pll1lnlllf
: IN TH~ oouln OF oOMMON P~pA(3
,
,
v'
: OUMPf:RI,ANP OOWNTY, pr:NNaY~YANIA
: (,,,' r t J /)' /J
: NO, I {., .3 (,9 L / (.~;.~~~_)
,
: olYIl. PIVlsloN . ~AW
:
JAN A, OelTl:R~lJNP ,II1Q ~lflA OBTf:I~I,UNP
pef\'lnQl1n\~
t:l.o IJ..Q.E
, VOU HAV~ t:lf:f:N ~lJ!3P IN OOlJRT. II' YPW WIBH TO Pr:Ff:NPAGAINST THf: o~AIM S[:T FORTH IN TH[:
FOh~OWING PAGf:S, yoU MUST TAI<1i AOTloN WITHIN TWt:NTY (~O) PAYS AFT~I~ THIB OOMP~AINT ANP NQTlot: "
ARr: aF-RYJ:P, PY t:NTf:RING A WRITTt:N APPf:ARANo[: Pf:RSONAI.I.Y OR PY AN ATToRNf:Y ANP FI~ING IN
WRITING WIT, H THf: OOURT YOUR PIiFf:NBt:B OR OI3JI:GTI,ONS 1'0 1'Hf: mAIMS Bf:T FORTI'I AGAINBTYOI,l, yqu
, ARt: WARN[:p THAllF YOU I'AI~ TO po 80 THf: oAst: MAY PRoot:!:P WITHoUT you ANP A JUPGMt:NT MAY.
Pf: f:NTr:Rt:P AGAINST yoU PY THf: OOURT WITHOUT FURTHI=R NOTlef: FOR ANY MONI=Y OI-AIMf:P IN THt:
OOMPhAINT OR fOR ANY OTI,tf:R ol.AIM OR Rf:hlf:F R~qUr:STIiP 13Y THI; P~AINTIFF, YOU MAY ~0(3f: MONt:Y
OR PRoPt:RTY OR oTHr:R RIGHTS IMPORTANT TO you I .
,
you SI:lQULD TA~~.II:l18 PAPER TO YOU 0 C. 0 0 0
,;, A..LAWYE;R OR OtllitiQLAE.EORP ONE, GO TO OR TELl;EtlillilUllE 'OPFIQE S(:iT FORTI:!
fiELOW TO ElliP OUT WH~ YOU CAN GIDEGA6.HJ;l.E. , '
I , . . .
cUMaeRI-ANP COUNTY f:3AR AB~ooIATloN
TWO I-IeaRTY AVaNlJI:l
CARl..lsl..e PA 11013
,(111) ~49"3166
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CARPMSMSSR AQRaSMSNT
" ,
P'Q~~Q rea{llhl~.Auraam~1l1 onmlully halora uslno your PI~opvpr!l DArn Apppunt, II ponlQln~ lhr ,
, IQrm~ ann oonnltlolHl 01 your AaopunL soma of Whloh ml1Y hava ohnnopn Irom QarllQf I11alarlal: ,
IIrPvlnatlloypu,In tha avanlol any nltforanoos, 111 Is Auraamanl shnll oonlrol,
. '
AllRaj;MBNTTaRMS, Thoword "Account" · aAI~nooTr!lnsfors - to transfer bftlances
means yoW Dlsoover CArd ACQount, TI,e frol11 otl1Or oredll card nooounts by means
word "Oarq" moans anyone of mora Pis- 'of balanoo trAnsf~r cpupons or ohecks, In
oovor C~l'ds Issued to you or somoone elso AcoordAnoe with stlOh nddltlon!\1 tarms and
.. wllll your ftutl10rlu~tlon, The worc1s "you", ' conditions of offer13 tllftt ara made from
"yout, or "yours" refer to, /n add/lion to you, lime to lime, " .
the uarqmem/Jer, any other person or pOl'- In I1ddltlon, your Aooount may bo used to
sons who ara also oontmotually Ilabla under guarantee hotel reservations at partlolpat- .
~,hls ~gream(Jnt, The words "\Vo", "us" and Ing establlshmonts, You will ba liable for
our refer to Groenwood Trust Company, guara.ntead reservations that are not can-
the lasuer of your Discover Oard. oaled prior to tl1a time apeclfled by the
esta/Jllsl1ment, . "
AOO~PTANCE OF AGR~gM~NT, Tile use of
pyour Aooount or 1\ Card, by you or,!1nyone You agree tllat you will only use your Ao- !
'. whom you autllorlze 01' permit to use your oount for personal, lamlly, /lousehold and
Aooount 01' a Card, means you acoopt tills ohar/table purposes. Your Aocount may not' .
Agreement" be useq for business or commerolal pur- , .'
poses or to obtain loans topurohase, carry :
, USE OF' YOUR AOCDUNT. Your Aooount or trade In securities. In addition, your Ac- 'I
f11ay be used for; , ' 'oount may not be used to pay any amount' ,\
yoU owe under this Agraement, Prior to Its
· Purohases - to purohase or lease goads use, eaol1 Card must pe signed by tho pel'-
or servloes from NOVU8\!l Network mer- son to whom It Is Issued, We ara not
oh,ants by presenting your Card or responsible for tile refusal of anyone t980-"
aooount number, oopt or honor a Card or to aooept checks '1
that we hava provided you, You must re..'
· Qash Advnnoes - to obtain cash ndvancos turn any Card or unu,sed oheoksto us upon;
at NOVUS Cash Nelwor~ automated tollor raquest. . ,'" p " , I~,
machlnesl from parilolpatlng flnunolulln- AUTHORIZED CARD USERS, If you want to
stltut/ons or otller locutions, 01' by means ' oanool tl1a authorlzod or permItted use at
of oheol<s whloll we may furnish to you, A t bY tl s U t
all In accordance with suoh additional your CDOU/1 .11 ano lor pOl' ant yo mus
, .' te,rm" s UI1d condltlollS as Inay "0 I/llpose' d ,notifY us In writ ng, orby t~leehone Ilndd9~ '
I lJ stray any Card In tl1at porson ~ possession,
.' from time to tlmo, , NanD at your rl~hts' undor"thls Agraomoht ,
,,,::,1'
.
,.
'it.,
~ "'(cithpr \ll~n. to p~y ~molJnts oWPd) fllay 1)(3
aXllrGI~IlQ IJY any pllr~on not n party to t/lla
Agmllmpnt aotlno pwr~uAnt to A power of
~"Qrnay, Wit/lout au" I' sepA, ra, te wr,l,t ien i1gree~
mllnt (WlllcllWP aI's not ol)l/gated to alve),
~IAal~lTY FOR UNAUTIiQRIZnO u~a. If A '
OArd Is lost or stolen, or If you IIllnl< tlli\t
spmeone Is Using ~OUI' Aooount or n Ol1fd
wlt/l(wt your pprmlsslon', notify Us Immsdl"
~taly, Yo, U ,can notify us, l)y tll/ep/lOnlno
1,aOO,PISCOY8R (1.800"347'2683), or Iw
writing PISQOV8R CARP, PO aox 15156,
Wilmington, p~ 19886.1002. '(ou may IJa
liable for tll(3 Un/Milar/zed Use pf a Onrd 01'
. " your Aooount, You wI/I not he liable tor 1m.
autllorlzectUs13 tlmt ooours utter you notifY
Us, b~ pllon(3 or In writing, oftlla'loss, t/left,
or Possible unautllorlzect USl3, 'In any onset
your liability will not exoeed $50,00, "
,
ORaD IT ~IMIT, We will advise you of your
oredlt limit, We may Inorease or deorease '
, your crpctlt limit from time to time, YoU agree
,not to exoeed or Ilttempt to exceed Your credit
'.II/nit. ,YbU will exceed your credit limit If YoU
~IIow your unPal~ balanoe, Inoludlng Ananoe '
Ohargea ancj fees, to exoQed your oredlt limit,
Your' orecllt limit will not Ino/ude the amount
of any orocllt balanoe In your Acoount, .
PROM,lsa TO PAY. You 110roe 10 pay us In
U.S, DolI~rs fOI' all Rurohases, cash advancos
ancl balance transfers Inoludlng applloable '
, FInance Ohargus and othor charges or fees,
Irtourred by YQU or anyone you authorize or
parmlt touse your.Abcount or aGard' oven
/f youd,o /1ot notify Us that olllOrs nt's 'using
your Aocount or a Oard, :' We will convert
purchasos and, cash advanoes made In n
fOreign currancy to U,S, Dol/aI'S at a rute
oxlsllng 011 the dato,of conversion. If yow
"
i.:."
p~y Us In ol/lSr 1/1An (JtS, Pol/am, w~ may
refu~e to APpapt lIla p~ymentoroh~rUe your'
Aopount our cost to oonvert your paymunt
to (J,s, PoIIArs, All chepl<s must 1)0 drl\wn
on funds on deposit In tile (J,S.
. If your ACQount is A joint AOQount, eaph of ,.
you agrees to I)e liable Indlvlnually anct
'j.olntlyfor the ontlrl3 amount oWen on ~/our
Aooount We Dan aooapt late paymllnts or '
partial par,ments or oheol<s and money ordera
marked I paymant In full" or with any other
rostrlotlvl3 endorsement Wit/lout losing any
of our rights under tills Agreement, "
"MPNTHr..y alLLlNU STATeMeNT. We 1'1111 '
send you a pI/ling statement..atter eaoh .
monthly billing period In whloh you have a
. dablt or oredlt balance of $1 ,00 or more, 1111l
bIlling statement wIll show all purohasps,
oash udvances,balanoe transfers, Flnanoe
Ol1arges and otheroharges or foes and all . '
payments or other ored/ts posted to. your
Aooount dUring, the billing /)erIOO,' It will
~l1ow your New8alance, Mln mum Paymqnt
Due and Payment Due Pate,
MONTHLY PAYMgNT OPTIONS. You"may
at any ,time pay Ihe entire NewSalance
shown 'on your billing statement, but eaoh I
month you mllst pay at least ths MInimum
Payment DUe, All pnyments mustbe mailed '
or delivered to us.ln De/aware at PO 80X '
6011, Dovel', OS 19903"8011 or by using "
the envelope enolosllo with slIch statement.
All payments and 01l1er credll~ will be applied ,
I1S determined II' our d160re1l0n, We roselVe
the rloht td'llpply payments and other oredlls "
to balanoes subject 10 lower Annual POl'oont'
age Rates, suoh as special rate balanco
transf~r8, prior to balancos sub/oot to hIgher
Annual Percontllg~ Antes,
" .
,''MINIMUM MPNTHI,Y P.AYM~NT, The Mini, ..
mum Payment PUa eUGll montll will be tile
sum of Qny amQunt pa~t clua And tile mini'
mum montllly piwment, The /lllnlllw/ll
m, Qntl11Y paymant ea,Gll montll wlll,pe \lle
graater of $10,00 or an AmOllnt aqual to 1/
4atl1 of tile Now Balanoo, roUndo{j to thenoxt
hlgl1orwllole dollflr amount, However, If \118
. Naw Balanoe Is less than $1 O,llle minimum
, montllly payment will be the amountof tile
Newaalanoo, Youounpay ulload, TIle Mini,
.mum Puyment Pua for eaoh monthly billing
parlop Will bo reduood by the amount you
llava paid In OXOess of tile Minimum Payment
'Dua In any of \110 thNe previous mont/lly bill.
lng, periods, less any portion of tile exooss
already used to reduoe payments, Howover, '
there will be no reduotlon If you have ex.
ca,aded youI' oradlt limit; or you Il~we paid tile
entIre New Balanoe allown on your I)IIl1ng
st~tement, 111ere will al~o be no reduction If '
your Aocount Is not ourrent, Ilas not gener-
ally been p/.lld In an aooaptablo manner or Is
otherwlae notln good standing, "
CREOIT BALANOES, We will refund any
,oredlt balanoe within sevan business days'
frqm reoelpt of your written request, If you
do not request a refund, we will automatl-
oal.IY refund credit balanoes groater tllan
$1,00 whloh rel11aln In your Acoount aHaI'
two billing parlods.
, BAlANOE TRANSFERS, We ll1ay periodi-
cally offor you 1110 opportunity to transfer
balances from other credit cardaocounts to
your Account. Eaoh offer will contain un
, Initial special rate, wlllch will bo tile Annual
pl3,roontaga Rate tllat will apply to transferred
,ba anoes fortl1a time period speolfledln tile
offer, After tl10 expiration of tills tlmel)e~
rlad, tile Annual Percontage Ruto tllat app les
'.1',
"
for purplll1p~~ will np'plY jQ tmn~fQrreg pul"
anoep, BAlftnoe trnnsfera supleot to till) Inltlul
spaolnl mte ara rofmoq to as spaolal rnta
I)olonoo transfers: bnlanoe tmnafMs for whloh
Ihe Initial speolal mte has expired arnrefarred
, to as purellasl) mtl) Palanoe Irmmfers.
Such offal' will oontaln an explmtlon date, If
you attempt to tmnafer llalanoes by means
of a oheol~ after tl16 expiration dato, We will
treat tile transaction aa.a CaSll advnnoa, We
will not make IIAlunoe transfers attempted Py
means of a ooupon ufter tllo explmtlon date, '
PERIOPIO flNANOE OHARG,ES, Exoept as
explained I)elow, Perlodlo Flnanoe Qharges "
ara Imposed on purollases, oush nuvunoea
and balanoe transfers from the dute\l16
tranaaotlon oOQurs to tile data of repayment.
If the transaotlon Is postad to yourAooount
after the clasp of tho billIng parloct In whloh
It ooour8, we will treut tile tranaaotl6n u~.
11EWlng ocourred on the first day of thti bill.
lng' period In Wlllchlt l~" posted to your
AOOOUflt. We will asaess Perlodlo Flnanoe
Oharges as follows:
(1) O'urrentBllllng Period
Perlodlo Flnanoe Cllargesare Imposed
for the ourrent'bllllng period on,pur.
ohases, oash advanoos ,and balanoe
, transfers unless you paid, by the Pay"
ment Due Date, tile New Balanoa shown
on your previous billing statement, We
compute Perlodlo rlnunce, Oharges each
day by I11U It/plying your dailY balances
of purchases, dasl1 advanoes andbal..
unoe, transfers by the npplloable Dally
Perlodlo Rates, Only speoll1l rate bul~
anootransfers are'lnoluded In the dully
balanoa of balanoe transfers: purchase
rato balnnco transfers areltlCluded 111 the,
" : qally'I)f\I~ncQ of P\1/'CllIISPS, At tha 1311(1 of
. ,tho hllllno period, we ndd lJp 11113 rosult~
pf thosa dally culculnllpns tp detormlne
.your Pl;lrlocUo' Flnnnce Clwoes for tile
pilling pfJrlod, ' ,.'
PQr purahnsaa, tlla d~IIY Ilnlanoo Is oul"
aulntad on O~oll ,1Ayl)y first adcUna tllo
following to tho provlous ClAY'S eially
balanoe: purol1nses made \llat rJny, foes
ohnmod tllat day (with IIle exoeptlon of
Tr~nsaQtlon' Foo' flnullco Qllarg~s)ilnc.j
Perlodlo flnl\f1ca Oharoes o/lnrged on tho
pravlous dny's dully l)ulurwe: und I)y 1I1en
sUbtraotlng any credits ilnd payments
tllat am applied ugalnst tile balanca of
purohases and purol1asa rate I) a, lance
transfers on tl1at dllY, On tile first duy
of the billing period we a/so add to tile
balunoo'thoso balance tmnsfers tlll\t
baoome puroll~se rate balnnce transfer::!
on that duy, .'
POI' cash advanoes, tile dally IJalanca I::!
oalculnterton oucll day by first adding
the following to tile preVious day's dally
balanoe: cash advances mude tllat daYI
Transaotlon Fee Finance Ol1arges for
, o~sh adVances made tl1ut day, and Peri-
odic Flnanoe Oharges c/wged on tile
preVious day's dally balanoe; and by tllen
, SUbtracting any credits and payments
that are applied against Il1e I)alance of
.,pash advanoes on tllut day, .
.. ~ For balancetrnnsfers, tllo dnlly balanc13 Is
calculated on eacl1 day by IIrsl udd/no 1/1e
, following ,10 I/le previous day's dally bal-
anoe: balance transfors mado tl1at day und
Perlodlo Flnanc9 Charges cl1nrgedon 1110
preVious day's dally balance; and bytllon
sUbtrnctlng any credits and paymollls t/lat
are applied against 1110 balance of balullco
tr.'l.t'
tmnsf~rs on t/l~t day, On t/113 first day of
1I1~QUrront /Jllllna parlod w~ ~lso~ubtrftGt '
from,t/wl)alftnollt/1PS13 balanoe Imnsfars
111, at Iwoorno purollaso rute balanoe trans~
fera on tllftt rllW, .,'
,(g) Previous ~lIl1noPerlod
Perlodlo Fll1unoo Ollnmos are IrnposoQ
for tM previous 1)lIl1no periOd on pre-
vlous 1)1111110 pllrlod purolHlsBS, oash
advunces and l)ah.lnQo tmnsfnrs unless
Perlodlo flnanoeDllarges were already
Imposed for \llat 1)lIl1ng parlod, or you
paid tile New Balanoe sllOwn on your
preVious billing statamant by tile Payment
pue Pate. To pomputlJ thesa oharges, we
usa the Salll!) motllod of oaloulatlon '
tllat we use In calculating tl1a Periodic
Flnanoe Oharges for tlleOUn'l3nt bllllna
period, as described abovs! exoept that
the appllQuble DailY Period 0 Rates are
applied to dally balanoes of purohases,
cash advanoes und balance transfers for
eaoh day of tile preVioUS billing period,
T11ese dally balances ure alsa oomputed
as dasorlbed nbove, Wltll tile "previous
day's dally balance" considered to have
"been zero on tile first day of the billing ,
period. " .
, .
(3) Dally Illrlodlo Rates and Annu~1 Percent-
age Rates " "
111e Dally Periodic I~ates appllaable 10
purchases andcas/1 udvanoes"fo(the '
ourrent billing parlod and tile preVioUS
billing period are based on the Annual'
Peroontago Flute In effeot f.or each billing
perladns determined below. 1110 Dally
Perlodlo Rates for ono/1 billing period are
1/366111 of tile Annual Percentage Rates
In effect for the billing period. 1110 Annunl
,.
, ?'
" 'P~mijntf\g(3 Ri1tq for pwrol1q~ij~ m~y I)~
ohanoijQ l)a~(3Q on ellftn9ij~ In tlla rAte
lavl31 for wl1/oll yoU q(Hlllfy, AS ex-
, pIal nap palow, '
ThaAnnual PeropntllOll Rnta~ nra qQter,
mlr1fip In part IJytlla Prime /late, For
pUrpo~ea of tIlls Agreement, t1la Prime
RMa Is tile 1110l1est rAta of Intereat listed
~a tlla "prime mta" In tile, money rnta$
, ~aQUon of II:ui..wnlLSlr1ill.t ,Jollrnn( on
tlla la~tbuslness dAY of tile montl1,"
Wl1an tile Prime Rnte o/lAnaes, tile
. Annunl Percentnge Rates will olUlflge
' beginning on tlla first 9AY of tile .fIrst
I bIlling period W1110/1 begins In tile onl-
ondar montl1 followlngt/le cl1anrJeln tile
. 'Prime Rat(3, Inoreases In tile Prime Rate
, may cause tile Dally Porlodlo Rates,
Par/odic Flnnnc(3 Oharges and Minimum
'" PaYment Pue eaol1 montl1 to Inoreas(3,
", The Prime Rnte Is merely a prlolng Index
, and does not represent tile lowest or"
.' beat Interest rate availAble to a borrower
at any particular PAnkat any given time,
(4), Annua/ Percentage Rate for Purohases
We mAY Ilavo offorad yoU an Introd~o-
tory rata on purcllases, T11e Introductory
rate /s tile Hxed Annual Peroentaoe Rato
tllat will apply to purchasas for tllo time
porlod.speclfled In tile offer,' After expl.
, ,ration of t/1ls time period, tile Annual
. Poroentage Rate for purchases Will be
" as desorlbed below,
,
Tile two Annual Percentage Rates that
generally apply to PUrcllases aro the Bost
Rate and t/1e Standard Rale, 1110rato
lavel fOl' whloh you qualify Is based on
tlla total amount of purohases that you
maIm durltlg un annual period, as ox..
rt.:l'
.
pl~ln~q p~low, P\Holln~o~ 'whloh com.
, np~(3 llll~ Annunl totA/Ara ~pm~t1m~~..
mforrpq to as qUIlI/floq pUrollft~o~, We
mAI<o certain approprlato ar:lj\l~tments to
qualifIed pure/loses In respeot of Ao'
Downt actiVity (e,g" 1.\ ereqlt Issuod for A
"roWrner:lpurollas(1)" '
You will qualify for nnq repelvo tha Seat
Aate until your flrat Anniversary Pato,
subjeet to SUbsection (S) palpw, We
rofer to tile dote 1I1ftl Is tho last day of
tllo twalf1111~lIl1no period after your 1\0'
OO~lnt woa openecL ilnd eaoh annual
anniverSAry of.tllal date, IlS your Annl:
varsary Pato, on each AnniVersary Pato,
sUb/eot to SUbsoct,/on (6) bO,/,O,w" Wo will
' determine your rote levol basao on total
quallfledpurollases for tl1l3 prepadlng 12 "
billing periods. You will qualify for the
Standard Rate If total qualified Jur' "
ohaaes are loss than $1 OOO,OO,an tho
Best Rato Iftotal qual/Hed puroha~es' are
$1000,00 01' more, 1110 naw rata levol
will apply.to PUrclltls,es O,nOIUdlngtlle"
outstanding purohase balanGa) begin, .
nlng on tlln next day unci thl'ough your
nnxt Anniversary Pata, sup/eot 10
Subseotlon (8) below., '
111e Sest Rate Is an^NNUA~ PERCENT..
AGE RATE of PrIma Rato piUS a,9
poroentage points, Wltll a ,mln/mum of ..
12.9%, 111e BlandaI'd Rate Is an ANNUAL
. PERCENTAGE RATE of tlla Prima Rate plus
8,9 percentage point, s, with a minImUm of
19.8%, 111e Dally porlodlo Rates and cor. ,
mspond/no Annual Percontaga Ratos In
effoot on tile dat" thl~ Agroementls fur- ,
nlshed to you ArO set fOlillln tllo enclosed..
"Addltlonal Olsolosurs" or cardoatrlsr.
~a}Annu~1 Perqqntllg~ RRle for Onsll
,Ad va noes ' .
Jlw I~NN\')Al.. pgj10gNTN.1g 11ATf: for
ouall advanoo~, S(IP/eQt toSuPsoGtlon (6)
l~alow,' Is tile Prima Rnte plWi 13,9 perr
01. antage POll,1t,R, wltll '0 mlnllll, (llll.of
, 9.8%. Tl1a DRily Perlodlo Rata Rnd cor.
raspondlngAnnual ParoentllQo Rate In
offaot on tile d~te tills Agreemont Is fur-
QlsllOd to you Me Bet fa 1111 In tile enolosed
I Mdltlonnl Dlsolosure" qr card onrrlor,
(6) Rute Dlsqunllflcatlon
If o,86f, tho end of any IIlIlIng \lOrlOd, In-
oludln~ a 1~lIl1nQ period end no on nn
Anniversary Pate, you 11lwe fnlled to
" make the Minimum Payment pue I)y tile
Payment Pue QatClln tllat billing period,
and you fulled to Inuke tile MlnlmulTI
Payment Due by tile Payment Due Dute
In the p,rGcadlng blll,lngperloP,'1 you will
, be disqualified for tile rates oescrlbed
,lnSubseotlons (4) and (5) above. If this
, ooours, YOUI' ANNUAL PERCeNTAGE
, RATg for purchases find casll advances
will change to tile Prime Rate plus 13,9
percentage points, wltll a minimum of
19.8%. nlls rate level will apply to your
Aoooun~ (Inoludlng outstanding bal-
an~os) beginning on the next day and
througll your next Anniversary Dat~.
However, If at tile tlma you aro sublact
to an Introductory rate ora spoclal rate
:balanoa transfer rate, tlie rata 011111e bal-
ances subject to tile Introductory rl1te
or the sp~olull'at(3 balance transfer rute
tWIIII not c/lange until tile expiration of
113 Introductory or special rate balance
trnnsfer rate period.
T11 loDally Perlodla,Rate and correspond-
ng Annuul Percentage Ruto 111 effect on
d f~';1'
.
tile date 11M Aoreement Is furnl~lled to "
you Me ~~,t fO, rth In tile enolo, ~QQ "Addl" '
tlQnal PI~olp~ure" or o~rQ carrier,' ,
(7) AnnualPel'centnoe Rate for aalallpe ",
Transfers , i
, '
Tlw Dally perlodlo Rate and corre~pond"
Ing Anmml peroentage Rata In affact,for
speolal mta balanoe transfors will be !ler
fortllln tllO offer from Us 'undar wl1lol1
you mal<o tile balanoe transfer, A~ Indl- '
oated In tile Balanoe Tmnafer~ 8l:~otlon
aboV!3, purollase rate balanoe tmns'furs
will PO sublect to tl10 Dally Perlodlo Rate
, and oorrespoMlng Annual Peroentag~
, Rata tllat apRly t,o purohases. If, you ra.
oelvedan offer prior to your roaelpt of
,this Agreement, tile PallY Parlodlo Rates
and Annual Peroentage Ratos Ineffeot
on the dat,ethls Agreement IS, furnished
to you are set fortll In tllO enoloaed "Ad.
dltlonal Dlsolosure" or card currhm ,"
TRANSAOTION PEE PINANOE OHAR13ESi
We will oharge you a Transaction Fee Flnano!3
Oharge of 2,5%. of tile amount of eaoh new
oasll advanoe., T116re I~ a mlnhTlum Trans-
aotlon fee FINANCE CHAR~E of $2,00 und
no maximum Transaotlon FeeFINANOE
OI~ARGE, T1le Imposition of Transaotlon fee
Finanoe Ol1arges may result In an Annual
paroentage Rate for casl1 advanoes that Is .
Illgllar than tlio nominal Annual Peroentage
Rate. All forms of cusl1 advanoes, Inblud-
, Ing tile use of Discover Oard ohecksl
regardless of the purpose for whloh usod,
are SUb/eat to Transaotlon Fee Flnanoe
Charges. To obtain t11e,tolal Flnanoe Charge
on cash advances for eaoh billing period,
we add any Transaction Fae Flnanoe Charges
for tile billing porlod charged under this seo-
tlon .1.0 any,. perlodlo Flnanoa Oharges
''l1alpuIAta,Q ,unngr tll13 Parlodln PII1AI10\)
. OI1ArQ~S ~~otlon abpve, '
MINIMUM raAIOPID flNANOg OIiAAQa,
Wa will cll~rga yoU f\ minimum porlodlo fl,
NANOg OHARGgof $,59 for fillY 1)1111110
parlod In'wl11011 some Perlodln flNANCG '
OHARGg pf le~!3 tllan'$,50 would otllorwl80
ba Imposed, " ," ,
RarURNap OHaOK Fea, We will o/mrge you
a Raturned Olleol~ Poeof $15,00 eaoll tllllB
you pwu~ with a ol1Bol~ tllnt Is rotul'llod un'
paid,' Tills f06 will also apply If U Qel)lt'
tranaactloll to a. deposit aooount from Wlllcll
you Ilave f\utllorl4ed us In writing to perl-
odloally deduct all or a part of an amount
, you owe us under tills f\gl'Oement Is returned
" unpaid. , "
LAta rim, We will charge you a Late Fee of
$20;00 eaoll tlmetllat, as of tile 10tll day
, follOWing a Payment Duo Dute, you IlavB
failed to mal~El a required paymont,
, RESEAROH rEE, We may cMme you a'RB'
saaroll Fee of $5,00 for eacll copy of n billing
.!3tatement or sales slip tllat you request,
However, we will not charge afee If you re.
quest copies In connection with a billing error,
OVERLIMIT FEE. We' Will clwge you an
" ofvet,rllmlt Foe of $20,00 each time tllat; os
Q 10 clos(i of a billing perlodt you Ilave
exoeeded your credit limit, Tllls fee mflY l)e
, oharged even If tile transaction wlllcll causes
YOU to exoeed your credit IImlt'ls l1uthorlzed '
by us or If you exoeed your credit limit due
to tile posting of finance charges or fees to
your Aooount.
08r^~ LT.AO OHSRATION.O OUEOT! 0 N
OOSTS. You are In default If you booome
':':"'1'
\
In~olv~nt, If you fIl~ A 1)~nIHuptpY p~t1t1on
or I1~Va ono fIISq ngAln~t you, If We 11lWo A
reanonnbla \)~lIef tllftt ya(l Are unah/(for un~
Willing to ropAY your O~)"gatlon~ to U(?,lfyou
Me dePlmod Inoompetont by A pourt or If a
cpurt Appoints A OUnrdlan fpr,yoll or a con" .
sorvator for your fi~sets, If you die PI' If you ,"
fall to complY wltll tlla terms of thl~ Mro~'
mOllt, Inoluulno ffilllng to mal~o a required
Plwment when dus 01' exoeedlno your orodlt
limit, If you ors In default wa rnuy al~od~.
olnre tilE! entire balAnce of YQurAopount
Immedlatf,'lly due and paynblo wllhout 110' I
tloe, If wa refer tile colleotlon of YO~H
Aooount to an attorney, we may olmrge you
reasonaole I1ttornsys' fees and OQuri or othar
oolleotlon costs as parmlttod by laW and as,
" aotually Inour/'(3d by us, .
OANOEl.t..ATIONt You may oanoel your Ao.
oount l)y notifying us ,Inpwrltlng or by
telepl10na and returning or destroying ov.
, ery .Oard and unused cllBPk thatwe havB .
provided you, Of ooursa, you will stili be
responsible to pay nnynll10unt you OWl) us
aooordlng to tile terms of this Agreement.
If your Accqunt Is u Joint AOoount,eaOhof
you muycancel your Aocount. Womay,can.
oel or suspend your Aocount at any time
without notice, Wa muy olloose not to re-
i; new your Aocount(beyond the explrutlon l::
date sllown ontlla face of,a Oarq) without
notloo, " ' "
PRIVAOY. We moy Inveatlgato your oredlt,
employment undlnoomo rocords nnd verify
'" your oredlt refarencas,Wo also may report
to oredlt reporting agonoles and other credi-
tors tile status and payment history of your
Aocount Inoludlng nogatlve oredlt Informa.
tlon, We normullY report to slJohcredlt
reporting ngencles eaoll montll, Wo wlll'not
"
Ma~~e.tlll~ Infprm~tlon nbout YO\lI' ACCPlH1t
to ony otl1Or p~I1Y wllllPut your prior writ.
ten permission or I~gol process, HownvHr,
If YOU ore In qofnulL you violate tile torms of
tll ~'I\graamant or you! ,116,1\ !Jnnk','uPtcy po"
tit pn or Ilove one flla{J~gulnst you, we muy
rela~sa Inforrnntlon nlJout your Acoount to
tl1lnJ Pl\l11as WllO mny nsslst us In enforcinG
our rights lllldel' tills /\groQmenl. We may
~I~Q Inolucla your IlAme \lnd nddross \lnd
other Identlfylno Informntlon on lists or
O~rdmempors fumls/led to oompnnles sell"
Ing products 'or sorvloes \llut I11ny IJe ,or
Intemst to you, Our supervisory Personllol
mayllstall to or rooord telephono culls IJo"
tween you .and our representutlvos In ardor
to evalUAte the quullly otoUI' servlc(3 to our '
Oardmombers wltl10ut nolloo to you, We
may use automated telepllone equipment or
prereoorded telepl10ne calls to contuot you
about your Aooount, '.
,
CRaOIT AUTI-iORlZATIONS, Certuln pur.
.,' oh~ses and oash aclvancos will roqulre Ollr
autl1orlzatlon prior to complotlon of\l1e
transaction, I n some casos, you may be
asked to provldo Idontlflcallon, If our au" ,
thorlzutlon system Is not working we may
not be uble to authorize a \rnnsaollon, We
wlllnot be liable tq you If anyof thoso events
happen, '
,CHANGE or TERMS, Wa may change any
tarm or part cf this Agreement, IncludIng
a~y llnance aharge rate, faa or meUlod of
, oomplltlng uny balunoe upanwhlah Ula II,
nanoa aharge rate Is assessod, by sending
you a written notloe at least 30 days ba-
,foro the ahanoe Is to beoome effootlve. We
may apply ony suoh ohango to the out.
, standlll0 balanoe of your Aaaount on tl10
affeotlve date of the ohango and to new
,
, ,
.. ph~rU~1l modo flftnr thnt (t~tg, If YPIIlhl
not ogrlllltp UHl plmnOll, you mllat n~tIfv
Ila In writing wltllln ~o llnv~ nftllrtlHl l11ull-
Ing pf tl1f~ l1o\lPP pf ohanoa ftt tl1l1 Itddra~s
prpvlllen 111 tll11 nptloo ofnlHwga,ln whloh
pa~o your Mopunt wllllHl olollon und you'
, mu~t IHW Us \llll ~ahlnlHl tllntYllu own ua
undar tllo existing terms oftha Ilnphanoan
Aoraamont, atl1erwlsa, you wlllhavo
aoraad tll tl1a ohanges In tha nptloa, Ullll
of your AoQPI1I1t Ilftor the effaoUva unto of
tM olmnoa will ~o neemad aOPflp.tanPll pf
, tM' now tarms -as of suoll effentlve date,
oV~l1lf you previously notlllad ua that you
did not aurall to t11a ohanoa, .
OHANGE OFAPPREas, If you ohanoeyoul'
address you must notify us of your new
addl'oss wltl11n15 days, .
ASSIGNMaNT OF AOOOUNT,Wamay sell,
asalon or transfer YOUI' Account 01' Rny pOI"
Uon thereof Wltllout notloo to you. You may .
not sQII. assign or transteryour Aocount
without first obtaining ou I' prior wrl<<on COil' .
sent,
(lOVgRNING l-AW. TIlls Agreement will bo
govarnad I.ly the laws of tlle state of Doln-
ware nnd applicable fedurnllaws, If any
part of tills Agreement becomes unenforoo~
able. It wIll not mnko any otl1or part
unenforceablo, , .
,
Greenwood Trust Company
I',
DISCOV~R CARD
Vlco Presldont
'OASHf3AOK SONUS~
TERMS AND CONDITIONS. "
" TIIQ Oo~hllfiPk aonu~ Tarms 01111 COIH1I\lon~ nra not R port ofllw OnnJI\10111!lPJ ^urQQIllPn" '
, .
1. Onahbnok aon,' US~ Is ~n nmoUlI1 dOl1omlnlllo(j I,n
dollaraanQ oonls whlel1ll1ny bo o~lI1ed by Dls.
covor OMd oardrmmbO[s by uslno Iholr Dlscovor
Oard lor purohnses, Ona lbaok aonu~ Is nol earnoll
10roasl1 ndvnnoos or balaneo (ranslors, Onshhook
Bonus Is sUIl/oct 10 !ll0$0 (arms ilnd conrllllons
anQ IS sUIl/oot 10 chan~o wllhoul nol/oo,
ORsh mok Bonus Is sub/oel 10 dlsqullllflcnllon
prior 10 bolnonwardod In 1110 clrcul11slanaos do'
sorlhod bolow, ' ' , ,
?'. Oosl1haok aonu~ Is ellleulalod basod on an <II)'
nual porlod eorrosllondlno 10010 Caro01ombors
ann vorsary yoar, Tl10 IIrst annlvors~ry yoar ho,
gins on Iho dolo IlloCard Is Issued nod ends on
IhO~IMt dny of Illa (weltHunontllly bllllno, porl,od '
Wlj oh follows, gach suoqesslvo annlversnrY year
ISh 0 npproxlmnte llne,yw porlod oomprlsed of
1 0 next twolvo monll11y hllllno porlods, "
3, Tllo "mount of Oashbaok aomls Is aalaulaled by
, mu'tlplylngOa9h purel1nso by: '
, '21 6% (,0026),II,Iho pu rchaso Is part of Iho first S 1,000
n,purchases during 1/10 anniversary year,
, $,610% /'0050), If Ihe purchnse Is parlollho second
" ,000 In purohases durlno tlW anniversary year,
, $,716% (,0076), 111/10 purohaso Is ,p.art of 1110 tlllrd'
,000 Is purohases durlno tile anniversary yoar, "
" · ',',0% (,01), If Iho purchaso Is part of 1110 purchases
n oxeess of $3,000 durlno Ihe anniversary yoar.
Tho lolal of such caloulallons for oaol1 annlversalY
" ,yoar Is Iho amount of Oasl1baok Bonus which will be
" awarded ns descrlbod bolol'l, 'TllO ealeulal/on begins
Agnln wllh Iho be9,lnnlnoof oacl1 anniversary yoar,
TIIlO Oardmombor s montl1ly billing slalol11ont will
, SlOW Ihe amounl of Oashback Bonlls and lolal pur,
o lases lhrough 1110 dalo olllle slalement for oneil
anniversary yoar,
4. Cashbnok Bonus Is awarded sllortly. allereael1
, annIversary yonr, Tllo exact mol/lOd of award may
. ollange frolll year 10 year, but 1110 Oarol11ombor
f\'N'
wlllllava (/10 opporllll111y 10 rocolve lhe O~$hb~ok
aonus 111 a mil oqulvnlolll(l.e'lchookorcrodlllo
Ihe CMdmol11ber's Dlscovur Oorq ^COOUI1I), i\S
part, olllw a,ward mOlhod, \110, cardmeml,lar moY
Ill\VOlhe opporllll1l\y \D Illnko on eloollon or 10
axorolso II e/10lco as 10 Iho mnnnor In whloh (/10
Ons/lbaok 00,11118 ,IS awarded, o,r tho aWard ro'
doomod, Tho illluro 10 mako SUDh olooHon or
oholco on a IImoly basis may rosult In Iho exor' ' ,
clsn of dofault op(/ons or In 1110 dlsqunlllloa(/on
of Il1e Oashhaok Oonus award, Ills Iho
OardmembQr's resp.ons/bIlIlY 10 notify Olacovar
Canj In Iho ovanl a Onshbnok Oonu~ award Is nol
, reoolved for nny ronson"
Oardmombars havo no rlg/1110 400ruad bul
unawnrdod Oashhack Bonus amounls: If an Aa.
, Daunt Is olosod for any roasonprlor 10 Iho
annlvorsalY dalo, any nccrlJod Oa~"baoK Bonus
will ho for/ollod, ",
ij, PresanUy, OashbuckBon'us la:awnrdad, by m,' oa'ns"
of (I) a orodlllo Acoount, If 1110 ,am, ou~t Is ./oss
l/1an $2.00 and, III) a"ol1ooKrnalle,lo \hF
Cardmol11bor (by 0 Ihor first olnsR or 1/1 rdolass ' ,
mal/),If 1110 amounl Is $2.00 or greater. "" " i.' ': '
,', ...,'..... ...., ,,.. .-'. .,'
6, Oashbaok Bonus Is aWarded 16 Qardmol11borsln. ,':,0,
good sIan dIng at I/1Ulme ot:IM,aWarUr';;,.".)
~~~~~~b~: ;l'~r I~~o gOlm~~PbrJot~o~']~ot>:M;!!
havo Iholr oas~baok Bon~snpPI(a~,~\~tow~,'N~!fv.i%r,j\W
as a orodll to lhelr Aooount. ' ..', (, """1I'1"'!>'"
. 7, m~b:~~nb:~~:! 1~~O:~~u~r~~~~~,iM,',J, OU,',~I,lgll
cllasos and \ho, annIVorsarydaIOfrQI)i:IM',QIU"
Acoounl aro translorrod IQtll0:MWiA~~.o,~~f!!,i;;)iW
S, ~~,j:, v:JI~:t~~ ~, r:r,I6o~~~ ~ ti~O,o~t,d.~ ~m ul"..~~~/a1,,~',.,~" :.~.,.,,',
In rospocl of Aocount activitY (olo,aCfQ ,'U
Aooount In rospeol of a ptlor pural\aae \,~""J,",,',.v
In a rodueHon 01 Cosl1bookQonus)i ," ','illi;~WI
": - ,', _U;_\_~r-;'~:Y!lb _~ c,'-.. ;'t_.;
., .,000M'~i)~~qW~YH:\
" i: --_--u-:-':-:'i~.1l,\{;k}Rilt!~~
,-, ,:;; j;/':_{n;jdVft{>i,Il
AllSTATa LIFa INSUAANOg OOMPANY
" HomeOrflo~" NOlilllJrQol~, Illinois
OgRTIFIOATR OF lNSUI1ANOg
AlIsll\l~ hlf~ Insllrnnco compnny (horoln oilllod '
IlAlllill\loll) l1o~ Issued Mnstor PolicY No,
64401G133 10 QroollV/ood TrUst Compnny
(l1or~ln oflllad "PolloyllDldar") whloh pro~ldos
TraVal AQoldonlfll Poatl1 Insurllnoo for
Oflrdmombers of tllo PolloYlwlejur nnd tllulr
011011110 family memhors, ,.
,. Nota f10rlda .rosldents: TIle bonollls of Iho polley
provlulno your cavmoo are OOVOrnoq prlml1rlly
hy tl10 low of u 51nlo other tllon Florldl1, ' .
O~fINITIONS
Illnaured Porson" moans n Dlsoover,
Oardmombar In good standlno: and Ihe follow"
Ing depondents of tile cnrdmemlJer: the spouse
of the oarqmomlJer If a res/dent of the same
, household: and each unmarried ol1l1d, Inolud'
Ino stepol111drun and adopted ohlldren, not more
,. Ihan 19 years of age (~3 If a full-tlmo studen!),
who Is depandent upon the enrdmemllor for
support and .malntennnoQ, In no avant will tho.
sama person qualifY l1S an Insurod Person
under more than one Dlsoover Card, Covoraoe
for any handllJappod child wll' not tormlnate
soll~ly by I'eaohlng the limiting noo, Covonlgo
will continue 1(,tl1o all11d Is and oontlnuos to be
both (1) Inoapablo of solf,sustalnlno employ'
,ment uocause of montal retardation or plwsleal
handlcup l1nd (2) Chiefly dopendont upon the '
oardmembor for suppol1 and mnlntonnnco,
'i1lnjury or InJurod" means bOdily In/uIY causod
, by un noaldont occurring willie 1110 Insuranoe Is
In forcll fortlla Insurod parson nnd wlllallln/ulY
rosulta, wllllln 365 uays of tho neeldont, dlroctly
anti Indepondently of nil 011101' et1l/sos,ln doatll.
, ,
"Oooupylno" nlQana I'h1lno In or upon or enler.
Ino Inlo or ollOhllno (rom, '
F~IQII1' APOIPr:NTA~ Pf:ATH INIWRANPg ,
, Allalato will pny tlHl ftPpllcl1bloAcolclanlal Poatlr' ,
, bonum amounls for Injury sualalnoQ by an
Insurod Parson Wllllo oocupylno an ulromf1l1sa .'
(arepl1ylno passonaor whon farn la olwood In
adVl1nao, and not as a pilot or craw membor,
Tho l1/rorntt must be provldod and, opomtod by ,
n duly 1I00n800 oommoncnrrlor for regular
pl1ssnnoer servloo,
IilllliiElI-AM.illl.tIT
Acoldonlal Peath Senallt when Insurod Person's
full nil' fara la chl1roed In advanca to Il1e Pia".
caVer Cord Account: $1500,000,
'I' .
" exOI,USIONS
, Aooldental PQatll Senofl\~ ure not payable for
deaths oaused by:
1. suicide wllllo sane or Insane: or
2. declured or undeolured war or any act
thereof, .
TERMINATION OF COVERAOg "
The Insuranoe on oaol1 Insured Person will.,
automaticallY termlnato at 12:01 a.m. on the
date that they no lanoeI' fulfill the requirements "
of nn Insured person as defined, or upon ,termi-
nation of the Master Policy. Termlnatfon shall '
be without prejudloe to any claim orIginating
prior to the effective date of tormlnatlon.
GENERAL PROVISIONS "
BEN8FIOIARYI Un loss othervilsespeciflod,bY, .,.
the Cardmoml)er, nny sum due under 1M policy,
for loss of life of an Insured PQrson \~,lIbtJ~ald: ..
" " "
1 ,IQ 111~ ORrpm~l11h~r, Ifllvlno, plh~rwls~:
, "
g~ ,Ipllla ~nOU~f3 pfll1a OArQmaml)ar, I.lIIvlno,
olharwl~a:
~. . Qq\J~IIy Ip tll11 tllan IIvlno lawfwl ollllqr(ln of
, IhaO~rqm(lmlmlnol(jdlnosl~pclllldren ~nd
. OQQpledchlldran, If anYI olllOrV/l~a:
,
4, aqunlly IP, tlln QArdmomQnr'~ paronl~ aI'
nnrant tllan livinG, otl1orwlsa;
'9. 101l1n eslnla of IIla carQmaml~a/',
, OI-lAN~a or: g~N~rICIARY: Tlw Cardrnam\Jar
mlw Qlmngo IIH~ bonofloll\l)' at IIny lima by
wrltlnolo Allslala, Onea tllo change Is rocordad
Py Allslale II wllll~ka affeot os of 11113 day tile
requoal was s!gnad, sUb/oot to any claim
. paymanl nloQabafore suol1 reoordlng, The
oonsanl of 11113 banaflolary Is not headod for
the ohnnge, ' ,
HOW TO REPORT A OLAIM:I,wrlttan nolloo of
olall11 must ba given to Allslate ut Its Home
Offlcowllhln six monthsafta/'tlle ooourrenoe of,
any loss cpvarad by IIle Polloy, or Us soon as
reasonably posslbla, .' ,.
, .'",
,Notloa glvan byor on behalf of tile clalmunt,
'or 1110 IJenet/clary with Information suffl"
olanllc Id1llltlfy \/le Insured perSOnsllall be
daemoq notlOe,
" , 'I
CLAIM rORMS: Once Allstate receives wrllien
, notlcaof ,a clnlm,11 wll' send forms for filing
proof of loss~ If these forms ara not sent to the
clalmaatWlthln15 days nfter Allstate receives
notloel lhe proof of loss requlr.oments will be
met by giVing Allstnte "wrllten proof of Ihe "
,Ooourronce, and COUse ofthe loss within tile
time stated In Ihe Proof of Loss Provlsloll"
PRODllor LOSS: Wrllten proof of loss must be
'., ,furn/shod to AlIstata withIn 111,110 111011111s utter
.~.:':;'
,
Ih~ q~t~pf '19!3s,lflhj~'i~ f1Qt' r~~~pnpbIY'
l~ps, ~lh,lll, I A,llslRta mpy f1pt ppny th~, Qlftlm If
11P nrpOT Is fum IShad as ~ppn ~~ rQ~~pnPD'Y
posslhla, bul not Ipter 111~n onQ YQllr from
\11~ i'm~ re~ulredl unless Hl~ Qlnlillpnt w~s '
laoallY Inonpa\Jlo of polng sP, :' ,
PAYMgNT or CI-AIM: ~Qneflls pnyabl~for Ipss '
und~r 1I1P policy will ba paid Immedlolely uppn .
reoelpt of que written prpof of loss, If any
benefit undar tills policy I~ payal~la \0 an
Inaumd Porspn's eslate or to n persp.n who Is
II minor or Is otllOrwlae not oompelent toolva
a vlllld ralaosol Allslate may pay part pf1ha
\Janaflt (up 10 $1,OQO) \0 any bloodrelaHve of
Il1elnsurad person, ., .'
Any payment made In Good falt,h sliall fully
discharge Allstate 10 tha extant ot ~uol1
payment,
,
I..EGAI.. AOTlaN: SulHorlJaneflls under \he
, p'olloY oannotlJe brought sooner than 60 days
aftol' Allstate received wrlttan prpof of loss as
required, and no suoh !lctlon Im\Y be Inltlllled
after three years from Ihe tlmo written proofof
loss Is required,
CONFORMFI1' WITH SrATg LAWs: Any prOVi-
sion of tile polloy whloh, .on Its effeatlva datal Is ..
In oonfllot with any law lowl1lol1lt Is aUQja'ot, Is '
amended tq oonform to Ihe minimum requite-
monts of suoh law,
"
AUTOPSY: Allstate nt Ils own expanse ahnll ','
have Ihe right and oppoliunlty 10 maka, an '.
autopsy where It Is not forblddon' bY law, .
ALLSTATE LIFa INSUAANoa COMPANY::
Mlohnlll p, Ollflean"
secrolary
Louis Gl Lowor,11
Pr~sldant
"
'!l
, Your SllIIng Rights ,
,-' KSSP THIS NOTIOS-POR PUTUAS USE,
This nollno oontalns IIllPorlan,llnlorrnallon about Y,O,\,H
ria Ills, and our roaponslblllles undor \ho Fair OrD(jll
, OllllnQ 1\01, ,," "
It ' NolIl~ Us In Caso pI ~rrors or Quesllons 1\1)011\
Your 0111 ' , '
'If YOU think your bill Is wrono, or II you neod Illore
, nformatlon ahout n Ir, a, nsaeuon, on your bill), VI rile
us on a sepamlo shool of papor at IIle aadross
, IIslod on your bill for NoUeD of 01111/10 grrors, Wrllo
, 10 U$AS soon as Rosslblo, We must Iloar from
YoU no later than 60 days a(ler WQ sent you the
IIrst bill on whloh tho error or problem apPoMod,
, You oan telephone Us, but dolno SO will not pro'
servo your rlghls, "
In your I~,tter, olvo, US Iho following Information:'
· your namo and account number,
· IhoQollnr amount 011110 suspected orror,
· desorlbe Iho orror and ox plain, If you can, why'
yoU bolleve thoro Is an error, II you neod more
" Inlormallon, describe 1110 110m you are not sure
about" '
blf,YIOU have autl1orlzod us 10 Pwyour crodlt card
I automatloally from your savings or checking ,
aooount, you can stop tl10 paymont on any amount,
yoU thlnl< Is wrong, ,To slop 1110 paymont, your
lettor must roach us tl1reo business days boforo
lhe automatlo paymont Is scl1eduled 10 occur,
, 2'YRour,Rlohts arid Our Responsiblllllos Aftor We
eoe vo your Wrllton Notlco
We must ~oknowledge your loltor wllhln 30 days,
, ,gUnlOdss \Ve havo corrocted 1110 error by thon, Wllhln
: ' 0 ays, l'Ie must eUl10r corroclll1o error or ox.
, plaIn why wo bellovo 1110 bill was correct, '
Artar \vo rocelvo your IOlterl 1'10 cannot lIy 10 col-
leot any amount you quos lon, or roport you as
dellnquont. Wo can continuo 10 bill you for 1/10
" am daunt you quesl/oh,lncludlng (lnanco chargos,
an we can app,ly any unpaId atnount against your,
. credU limit. ~ou do not havo 10 pay any quos'
It'::"';'
\Ioned lImounl while VlO life InVOSUOilllno, ~'ul you
ara sllll oblloaled 10 pay t la pilrla of your bllllhal
ara nolln quos\lon, .'
If 1'10 llnd II10t we mada a mlslako on your blll,
YOU 1'1 II not 110vo 10 pay OIlY IIIl<<noo oh&r~ea ro'
lalad to any quosUoned amount, If 1'10 dldn t make
a mlslako, yoU may, 11ave (0 pay Iho flnanco
cl,l,argesl,anrt you 1'1111 hayo 10,' mak~ up any' mlssod'
paymen s on Iha quelltlonod amount, In olll1or
oasoil'lO 1'1111 send you nslatol11ont pf U1Q ilmount.
, you OVlO and Ule dato thai It Is duo, , .
If you rail \0 pay 1110, a'mount Il1at We tl1lnk you"
01'10,1'10 may roport you as delinquent, However,
If our oxplannllon doos not satls~ YOU and YOU
wrllo us wllhlnlon days tOiling us that you sUII
refuso to pay, 1'10 must toll anyone we report you
to Ihat you havo a quostlon about yo, ur bll,", ,And I
we musttoll you Ihe name of anyon,e 1'10 roportea
you 10, We must loll anyone wo roport you to Ihal
Iho mailer l1as boon soWed belween us wl10n II
, flnally Is, i '
If We don't follow 111050 rulos, we oan't colloct 1110
first $60 of tl10 quosI/o nod amount, ovon If your,
bill was corroct,
'3, Spoclal Rulo For Crodlt Card Purphasos
If you /lavo a,problorn wlll1lho quality of goods or
sorvlces 1l1at y'oupurol1asod wUIl a orodlt card,
and you havolrlod In good faUI1 to correot tho prob.
10m wlll1ll1e morchant, you may have lho right
not 10 p'ay 1110 romalnlng amount due on tl10 goods
, orsarvlces, TIlOfo arc Iwo IImllatlons on this nghl:
(a) you must l1avo madp Iho l)urOl1aso In your
110010 stalo or, It not wllhln your 10m6 slalO,l'Ilthln
100 mllos ot your curront mailing addross: and
(b) 1110 purchaso prlco must have beonrnoro
than $SO, , "
Those Ilmllatlons do not applv If wa oIYn or op-
arala"H1o morahant, or If wa mailed yeu Iho
advo.rtlsamont for tho goods or sarvlQos.
IlIl RW, 10189,
"
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