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HomeMy WebLinkAbout01-1463 FX ~" <~. - .[,,; '" fllliIUiiI'JlJi,4!9'; DESSEN, MOSES & SHEINOFF BY: David S. Dessen, Esquire IDENTIFICATION NO. r7627 1814 CHESTNUT STREET PHILADELPHIA, PA 19103 (215) 564-5600 ATTORNEY FOR Plaintiff AMERICAN EXPRESS COMPANY World Financial Center New York, PA 10285 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION v. TERM, PATRICIA A. WOLL 750 Allenview Drive Mechanicsburg, PA 17055 No. 01 - J4{.J C;U'lC--r~ CIVIL ACTION - COMPLAINT NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take ac. tion within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you faU to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the compiaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights im. portant to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE.IFYOU DONOTHAVEA LAWYER OR CANNOT AF- FORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. AVISO La han demandado a usted en]a corte. Si uSledquiere defenderse de estas demandas e.xpuestas en Ias p<iginas siguientes. Usted tiene veinle 1201 dias de plazo al partir de la fecha de ]a demanda y la notificacion. Hace falta asenlar una comparencia escrita 0 en per- sona 0 con un abo~ado: enlregar a la corte en fonna escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea, avisado que 5i usted no se defiende.la corte lomara medidas y puede COnlinuar la demanda en contra suya sin previa aviso 0 notificacion. .-\demas la corte puede decidir a favor del demandante y tequiere que usted cumpla con tadaa la8 provisiones de eata demanda. l"jted puede peroer dinero 0 5US propiedades u atros derechos importantes para usted. LLEVEEST.-\ DE.\IA:\DAA UN ABOGADO INMEDIATAMENTE.SI NO TIE;\;E .-\BOGADO 0 SI NO TIENE ELDlNERO SUFICIENTE DE PAGAR T.-\L SERnCO. VAYA EN PERSONA 0 LLAME POR TELEFO~O.-\ LA OFICINA CUYA D1RECCION SE ENCUENTRA ESCRIT<-\ .-\BAJO PAR.-\ AVERIGUAR DONDE SE PUEDE CON. SF..GUlR ASISTE~CL-\ LEGAL. Lawyer Referral Service Cumberland County Bar Association Two Liberty Avenue Carlisle, PA 17013 Phone: 717-249-3166 ""'-'-- ~. L",~ "~ " -"" --"'''t.-> , DESSEN, MOSES& SHEINOFF BY: David S. Dessen, Esquire Attorney J.D. No. 17627 1814 Chestnut Street Philadelphia, PA 19103 (215) 496-2910 Attorney for Plaintiff American Express Company World Financial Center New York, NY, 102854411, Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL DIVISION vs. Patricia A Woll 750 Allenview Drive Mechanicsburg PA 17055, Defendant NO. CIVIL ACTION - COMPLAINT I. Plaintiff, American Express Company, is a corporation licensed to do business under the laws of the Commonwealth of Pennsylvania, with a principle place of business located at World Financial Center New York, NY, 10285. 2. Defendant, Patricia A Woll , is an adult individual who resides at 750 Allenview Drive, Mechanicsburg P A 17055. 3. Plaintiff extended credit to Defendant under Account No. 3713-871727-11006, pursuant to the terms of the contract attached hereto as Exhibit "A". 4. Plaintiff performed all its obligation in extending said credit. 5. Presently, there is due and owing from the Defendant to the Plaintiff the sum of $10,066.19. 6. Plaintiff avers that pursuant to Plaintiffs contract with Defendant, Plaintiffs attorneys are to receive attorney's fees of 15% of the debt due, which is $1,509.93. "r"iI-'-~~ - - ". .~ ,-' < ' , .",.~~ 7. Although demand for payment has been frequently made by Plaintiff, Defendant refuses and continues to refuse to pay same. WHEREFORE, Plaintiff demands judgment against Defendant in the principal amount of $11,576.12, with additional interest from February 13,2001 and costs of suit. Respectfully submitted, DESSEN, MOSES & SHEINOFF t010 ~ ~ David S. Dessen, Esquire Attorney for Plaintiff DATED: ~ !<Z.:ol01 "~." - " '~'..M ,"- I ~ " ; ~ " - I ~ , "~ i;;i VERIFICATION I, David S. Dessen, Esquire, attorney for the Plaintiff, am authorized to take this Affidavit and hereby verify that the facts set forth in the foregoing Civil Action - Complaint are true and correct to the best of my knowledge, information and belief I understand that false statements made herein are made subject to the penalties of 18 Pa. C.S.A. Section 4904 relating to unsworn falsifications to authorities. ()i)jJs~ David S. Dessen, Esquire Attorney for Plaintiff ;;:~~'C~~ ,_I,. ~ . J~~ " '. ,~, "~ "~ il..L....~_ "~,~~~J, ~~~~;oi;<:'.~.,;~~,:i~":!!:;:W"-:~~~.;qt~~~~~i ;:'~~"~-1:';':.:'~ ;,.;,:.!!.1.,'.....:: ,". CD~~ ~'-';""'At;BEEMENT:~ GOJJlCAlW7'MEMBn""" '.::_~~';':...:. ,,;.~; _.. ._.._....,._,. ":'_ ""; .z....~..,,.. --:-._\....,..._~ ......_'_,... .'~,~. ,..' .,.;_;__.!:.;".: ...'. . .",'. " "''''''..' ,,,.".,,,.,.,,,,'.,,~o",, ""AND."'.AMERICAN,m-BESS"""Id""'=',' -;,',. '..' . .~,..-=-.~, '-:"'-..:'"1 ,..m.::t:t1;~,\.7'" ':.;::;':.":>>-'':lioo'" .......~ ~~......:.-!'!J;.l~.Ztl-:!....::"'l,.;;;.....:.:C~.: :'.'__ .. ,,-., 'TRAVEI: RELATEUSERVICES:€OMPA:NY;""lNc" '.-.. ~.~~:~~:~" ~~:~.~~..~~:~:.~.~--~,~~~~~~~:.=.:, . . ~. ~ ,';.~. )~. " -.;.:. --.' WELCOME TO .WEJlICA.'1EXPIlESS" GOLD C,W1 ~ Please 1I!Il! dlisAgneDelilIllmuugbl)\ becausewbeo,.. bep, sign or...lIle OIICImaIAmedcmElqllej:lGoIdCalll. OD:!udlDgmy.......z or "1'_ CaRllslluodlD)'lIU),.._lDlIle......a1d1is~ If,..dolllllwi!h IDbellclolldbydlisApmem.aIlllleCalllinhalf.SiIa,..asioduslD i5oII! lIle Canl,',..arellle_~mdJllUhme.._'lIiIbus.You '"'l'll!q!IOSt1ba1...i5oII!.CaIII...,...,.""""'ID......_md.lf...do, dJat~isc:olJed...~f.animelDber..,...,._1be_ Card.....lDlIle_Elqllej:IGoldCalllisudlD,..mdaU_ . Canlsissuedorr,...,._ ',. trSlNGTHE CARD We>1llcameJllU ",...lIle CaRlID pmibase ~ ani...... fmm eslabIfsh- mausaal!pliilgdleCaRI You...~lilrp:llingaU3DlllIIIIl5dJ:uied lDyourail:olmtbyel1llerJOUor3/1'liqlliiiimalc..~-inI:lude, wI1hout~ pom:bases,3IIlDIlDiIguannrmI byuseafllleCanl, ami aU lees. You"'lllSpOllSiblelilrp:lling~mypmdlase_JOU orm Mdilional'Cal1IIIlembersbalo!ilan IDllintID lDaIr.~.... ifJllU hme ootsignel.cbargelimnorPJ'S'llIel!l1eCan1 .' . ' . You mayorrt permi!my_"""", ril... rhe CallI islOIlD l"'L_ JIlU are respcimiblelilrpayDimlalaU"""" madewllh CanIs issued on your aa:ounr,....if,.. hmelet_eIse userheCan1 You_lDnolifyus at.... ifdle CallI is lost orsiDk!n orJOU smpecl jOlll'_ is being usoI wI1houtJOllfpennissiorr. '.' . '. , .You _ID use rhe Call1ouly CorJ.gi_ putdJ:io5a1 pJdsorSl!l'liiis.and notCorrhepUlJlO!'olobtaiDingClShfmmlllleslab_WellilhOlbe . lelpOIisibJeifmyeslab_relilseSlDhorrorllleCalllorlilranrOlber problem JIlU may hme.wlIhSllCb...h'.......' You '"'l'tel1Im. pun:base ID anestlh_"'"PliDgIMCalllCora.ditlDjOlll'-mr, ifdJatestllJ. _~SlICb_ but nat Cor...., relund. Remember1ba1 OUISidedleUoiIelSlales,_.......nrIllllll!-. , The American Elqllej:I CaRl bas 110 p1M!tlp!!lllliJli _ Ead1 c:IJqo is evaI- _inligl1tofyourspeoditlsimd~pliIIEmsGllaU.your_ wlIh ilSimdWraflilbles,youri!lljJeriencelliihodleraelilms, mdJ'lilr' pmon.h.saan:eskooonllius. We...... lIlerigbtlDdeOymyteqlll!5t ... Cor~Dlilr.cba1teCormy...... We'"'l''''ll!q!IOSt , additiOnallnlamialiailfiamJllUatany'1inle. if you provide auiharlzationlD'men:hantlDbiII Cbalgeson.teClIITingbasls. ID your CallI aa:onbt ("1!il:unlDg Chatge[,j"), md if. "I'hIcement CallI bas bo!n issued 1Q jIlII (bo:anse;Cor exaniple;your CallI bas bo!n lost, sIDIen, canceled. upgtadedor~, t!len"''"'l'provilI!sudlmen:bantlliih yourCUmmi<:a11l__'~lIUIDIIi!randiorelljdrationdaD!in onIel'UI pimlitlbe.men:bant 1Dcmliin1Je ID bill rhe!lfal!ling Olarge ID yourcunentCaRl_1lDliIJIlUnolifyusimdrhemen:hant1ba1Jlluhme lIitlidrawnJllU""iho_ ADDmONAL CARDS Addilia..l CatdmembeIs do not hme ao:aUllD wlIh us.1<rf Addiliaaal CallI maYbe cancelledbyJ'll! or us. Addilionall:a11lsisud an your_1DlIll be usoI in .mannerallllis!ellllliihdlis ~ YOII,"" auihmi2eus ID discuss rhe aa:ll1lIltlliihMdiliaaal Catdmembelsinrhe_ol~ your 3O:llllIIl. We may, at our dis:reIion, pwlII!MditiamlCaI1imembeIl5 Cor JIll'II1I'IU of their... dlarfI5 if you faillD par Ihasodllllges. ANl'o"t1AL FEES 1be3llllllSlBosic Catdfee is $75. 1be 3DIlIlOIfeeCoreo:hAddilional CaRlon your aa:aimt is $35. The 3IIIlIISI fee Cor_CallI is inaeasid by $Sif 1M billingaddn!sSalllle_r............isOUlSideIbeOS RENEWAL OF CARDSAND.CA.'1CELLATION The CaRl wtlI bed lIiIhin ~1Ime~.embasoedanllle Catd. Wewlll issUeJllU........orrepllaanlentC1lds.Iielil<<1be-Catde:q>ins;imd... wlIl.~lDdo..IDIII1J'li1racDJnntisClllJteiled.lVowlllbill........- Corllle aa:aimtannilal1tlltllle mieslbi:n rn__ We may """"" your dgbt ID Use lIle CallI atany1inle. We... do dIis wberher orO<<you have breacbed rheAg\eemllDt md lIiihomgiolngJllU- K... """"'lIleCatdimdJllUbasenotllleal:hOlllle~"'wlIltOl!md.. . parIiorr olyaur3DllllOl Catdfee_teqlIl!5t W.'"'l'.....-- "'"Piing dle CaRl dJat diI! CaRl issued ID ,.. but bo!n ClIIJteiIed. K... canaeI lIleCallld.... JIlUIIIIl'IIO.U!I!Umdyou musttel1lm UIDUSOl; if...I8pIOSI,ID,,"'---1ba1__dleCan1 KJIlUas!tuslD_ your_butJllU"'!"in"'ID...dleCan1... lIiII-u.rSllCbU!l!asJllUf~fiIr>!li..........ofyour_U ..._ID....JllUf.-.dIis~ormy_or.... ............. ..oiiIII." . 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LATE FEES Wewlll"""'JIlU.biIIing~atl!1e~a!""'biIIklgperiad(- ~~":t,f~r' "I'l='~ pailnemsfilrdJatbJlling~U. ....~- ~ "I'1IIlIl'_ .~fee, The.$<>ID\lolljlelalefeedependsan rhe !engih.qf1in!e,..r_tbutIelllliiDedunpaiilimd dletddresllD_ )ilurbillis_ A. Kany_IDlIIIingIllllreIb;at$SOlsuapak1lilrll1obillingperiols, Ibe Ialefee.lIiII berhe gle\llel'ol $20 or.2.5%olaU __ uapaidCor atle25lanellilIingperiad. . II. Kmy_lDlIIIinglllllretban$50isuapak1Cor_orlllllll! biIIiogperiols, rhe Ialerhewlllbedle;.-ol$17 ar2.5%ol aU amaunIS 1lIlp3id lilr at least ane billingpeifOlL C, fns!o2dof.dle_..inAimd~,,~_wlIlbe "'-""'Olanao:allDlSlIil!l_~iIIll!elallaoinc"""GlImy -"uapaidl'ar"'~l~ijlll":l.':;- L65%; Laui!iaIla-l'l!;Mlc!lig$,.'\l!ICiS- ...' ..' '-gIe\IIeI'd.$5or 2.1% (lSO.....);Nmib:IllI\llla- L7$%;~-2,5%. u......._ md_CaIII~lIiIIhe_1.5%md15,~ anIy.an_uapaidCorIhaso",,,...billingpellads. . . . D. Umy_ls..............~IllIn!IlI......atIIl~uapaidilr _tbanl~~.'i....". '""""'.'ailllilt.".'".'.!!IIIirl&.'. .poriadbutls paidbiin1..~ *~laiel'i!WiDlIe$12,mdllleios deleilboIlIIllM!.doilclt . :_dilOsnOtapp!y.1D , __iD'~" " ,~=""r.,h.'~'~."I~Middgm. lliDil1ijipI;NailbDallil1a,HatIIl~ . Onnl...bute&lllol.laIefeelD.,...,._--....may- IDdoOlili....as,..raa:lllllll........uapaid . . " . ACCOL'l'o'T REOPENING FEE 1fjOlll'AaixRmtis""'"""""bt~filrmy..... imdis......ued, md yaurequestl . '<:i' .~~""lt _.,Ctiatge)1mAGDlDlare-opeaiagilecl $251f SlICb "'I""l is banared. J 1 . ,. .. .~'. ~~_li!!liI~~!;jh2-d!,;'!l~'bh~3'.l;.OI""L~.iJ~<ili:Jjy,-,-'H'J;f$,,_'i\i>"'" ''''0.". A' " "",";,;ii,"' _~n"';"J"b1dk"wiil,;Uii,i!i2:l~Wllili~lli~iI%Jj'''~';'M;~ti...W.E1flI<li.'IW~~T 'tti.!lIIflilll!iJiM'Ilil.Jl ~,~" -i. , TRANSACOONS MADE IN FOREIGN CURRENCES If'''iDi!laI1la1l3Dladillolna&x.il!''_awillbe~iolDu.s. . doII:asllllbedaleafs~brl!l,or'!!f;lgellll3la'*Sl!tJirus_lIli "~lill!rislor(~~brl;!w)<ilidah""_ilI~... _brUPIll~.1bls....:r,aydi!rerlniilll3lESlnilktCllllbedale - <i"",~ ~'JlII'im:dbr"""'~(u1u"ldiDl5) will beblliiid31diio_sucII....b1is11mem1.... . BEl'I"EFITSAND SERVICES SlIbjoalDllIoJ:aw<i"",jullldiailII. .."""",llIodgbtllladd,lIICdllyor deIere'ltlf bel1e1it or..... ciIl'eri!d wilh IlIo CallI 31 'ItIf time willllllt -1IlJOU. INSURANCE 1f,..""IlIoCallllDP"l'~~,..gilO..,.-"P"l' iI1o!!,~1or"'lIbeallue. ~...._..aa:tIlliug"1be_ <i1bis~\I>u_toil..In.'!rlliDgd,..IIOIooli"..lrilb,..lDP"l' 'ItIf~i>rJOU.If,..raa:amlisc::lllO!llol, ..wiIl""plIlloglbaso preIiIlumsi>rJOU. ARBITRA110N lbis~l'lvri!im...fudblllo~milplOCl!l!uresUDder wbicha.tlm (a.defiooIbe!i.i) maybe~iiore.l<ililiplldlnClll1t. /ousolln1hisAibilclllm~ 1lIo~_....... 'ltlfclaim,diopute or"""""""y-'" mil ..<i\lSiDgfloinorzelallog III i!>e.Caoltnember Agreement(1be .~. 'ltlfrelal8lor~apDem)bat,..may balebadwilh..<<i!>e...... ...j', l'ISlIllInjjfnlm1beAgreementor'ltlfpDor apIIll!IIl,~tbe1ll!idll!:~or....1hisAlbiu2lion Pmvlsioo,IbeAgreementor.'ltlfprlo1<~ _'__of ..", Idnd andna'lII',JDdudlnSbot IIll!lDoileIlIl inIliaI cblmr, a>mr- c:Ialms,~aud.~cIalms#cIalms_lIpCllI_ 1lDt,budandolberinlBlli<ioal......~~_lawand ~ '!be ~ "Claim' is lD be p""'1be~pas;bIe-""B aud ~byw.r\lfeJa!Dpleandwilha1l~ 'ltlfclaim,dilputeor ~lhol_fnlmor...IIl(a)llIolllXXllllll(s) (.~cn::IlIId bylllo.!g1eemlD1or"'l'_orprlo1<3p'O!lIIeDl,or'ltlfbalmaosClllIllo .'. -.., (b) adI..............pramolloOsor.OiIIIor_.........._1n lbeAiroont,.,.as or_1ina1mI UDder1be_orlbe.... of financing, (e) lbe beneIils and_ _Ill ea.,1 I <bip (lndudIng ...benefitprograms,eIIlllIImenl_and_proglllDlS),mil (d),.... appIicdlooi>rIbeAa:\xllll. . Ar'f Claim sII3ll be ....o.d, lIpCllIlbe eIediao of,.. or... by adimalicn _,,1biI-_audIlloCodeof_("Code")oflllo __Fonml("NAF') Inilktallllollmelllodaimisliled. (ll U'ltlf """" IlIo /IAF is \IlIl!!lIeorlllllllDln&or.....ln.... as adimalicn .....,.... ........~~adimalicn~~urllizinga "'"'~~wiIlbe~,,,,'i''''by,,,) For'ltlfClaims_by IbisAlbiu2lionPmvlsioo,aJllll1l'wbDhas""""a Claim In alasouillnClllllt mayelect2rllilrJllllOwilh 1llIp<!C\1n"'l' CIaim(s) SIIi>o!quemly""""1n dl3l Iasouilby3llfol!m:paIl)'or~ 1beCgde,rulfsmilbms<iIlloNAF . maybe obI3lIledbyca!ling8>>474'2371or.by1isiting/IAFs_ 31 ~AII Claimssll3ll'belilsl31 'ItIf/IAFofIia!orall'ostOf&:e Box 50191, ~~. Mlnnesola55405. IF AIl1lr1'R&l'lON IS CIIOSEII BY .\NYPARTYW1'11I1lESPSCI'11lACL\IM, NErlllER YOO llOR WE WILL HAVE 11lI! R1GIlf 11l r.mG.llE 1100" CL\IM 1N000Rr OR 1lAW AJUlll'TRL\l.ON 1100" CL\IM, OR 11l ENGAGE IN PRE- ARllITB&l'IOR DISCO\'IlIll'EXl1I!Pr AS PII/lVIDEIl lOR INlllE/IAF CODE. FOIIlll!!R. YOOWI1LNOTlf,II'E1lII!R1G\f1'11l PAlmClPlQE IN A ~CAP4Cl1YOR,!SAMEMJ!gROF ANl'WSSOFaAlMANrS PERmlNlllcllll.\NY~$!l$ECI'ro,lR8\'n!AT!ON. E1!:E1'r AS Sf:!' FllR1t$D!v, 1lII!~'S Df,qISroNWI1LBE FlNM.ANIl BINDING. NO'iE 1lI&f O'III!lR'R1Gll'l'$'ll!&1'11)U!VOO1D JIAW IFIDU WE!lf11l 000Rr ILlY AL\O llllTJlEAl!ll1.lBIJlIHARBrm.lriON. lbelosll3ll bellO dgbtoraudladlr'u'ltlfClaims III be _ CllI adass _bosisor...boI!iin!qlvlQg~imlu&btilla~__ copacIly.. ",bdIldfofibo__I!i!Uc,_~! !' "e"or__ .............Si1D!tl!I;""""""~iblIltbe~iudlriduaICIaim_ ;-'" 1llii.1~f."; i>i;iII,.. tb.lll;.b.. am.'-........or snbjectlD,vq, .... <". ...," .........., apiIlsIa~it"""~."",,lIOlbe~or"''''''''''1n llIo~iiI!li~"" .........jl.'ltlfOlberc..~)<i " .....,. ....""'" ".iDliI"'a11 . IIhi- :~~~".'~IOu.. ,. ....iIioi~/.:::.~<i jIIIf~Al"",,'I'riiioa.""i'~".\i;ii;!iiII,*,,*lnpd&llhmaldnga 1i!IIJpllDIf......aII...iI!l\ofJlle~. r .' 1'~;mdIorbearlng feesi>i'ltlfqabpJl!lll"!~""",~!I!~\1!UI!(""soS~A11be :~;.~t~~.~~:~.;!::,"".-:h.i~~ wIlbtbe........... _mlllllll , to lbisAdiiladaa_ismadepollSWlll!lDa_iInlllmIg_ ~aIJ!!lllaIIbe~br1bei;E!lemI_Acl,9ns.C._ l.i6,a itlllllfbellliJoolid (1lIo "FM").1beadlilr.llllrsll3llllpplyapplicable . -laIr~wilhIlloFM3DdappllcableSlDllllS"IiIllI'Dillll"ud sII3ll bo:aor.cIalp of pliYileao Dl<DglIilJed allaIr aDd, 311l1o 1imtIy """'" of . ellbtrl"!!l;lllaII-"""ablief1lllllm"'l"'......<illlohasisi>rIllo_1n alIIllII:linglllo~pIlllS!8Bng,IlIo3llliln!fnrsll3lllllll'W4'IlIoFeleal or'ltlf-rulfsofcml:JIlIlCl'I!ureorrulfsofevideoct.lnaolilloolnlbepalllcs' dgbls Ill"","""" ......,.&uJllllSUODllll1beCode,ellbtrJllll1l'may~a reqoostlll tbelllbiliatllrwilh aazyr<illloteqUOSlp1Ulided 1lI1l1o_panyln eqmllllo""Pl'ofdis:nl'ely:dJor.lbleUDdertbeCllde.1beol>jectingpanymay solIIIIilllbjedloilsll>llIoadlilr.llllrwilh aazyrof1bellbjedloilsp1Ulided1ll1llo ~ta\lI\'OIi\blntilllm(ISl.<iIllo~patlJ'$__1be gr.mlfDgordenialdellbtrpatlJ'$."'!IJliSlwillbe 1n'llIosolediscll!sloooflllo adrilramr.....sII3llDlllflylllopallles<ihis/berckQsillOwIIhlnllO!Dly(20)da)> oflllocbjo:llngpaa\!'ssotimissioo.~uplIIllllomnll!lllleodbylllo adrilramrmaybeentmdln'ltlf_boIilIgjuJll1llclimL 1beadlilralllr'sdo:!- sIciowillbeJinalandblndinr. ....u'ltlfligbl.. ~ poMdedbylllo 1M :mdIor~1be3DllllllllOf1be__t100,000, 'ltlfpartyCIII~ dl3l mnIll1adn.....blb....poneI ~brlllo/IAFwbichsll3ll_ tie.... 'ItIf"'P'+..iboiJ1idalllWll!dlBjllOSlBlbJllIo~pany.1be ~JlIIl1I'sII3llbawlbill1GlO) da)sfnlmibodaleofeolly"llIo_ ~mnlllIDlIlfIyibo/IAF1bataisemdSing lbedgbtofappeaL '!be ajlpea1llla11beliledwilh 1be/IAF1n 1bebm..a_1iIlq.1be NAFwiI1 IbenDlllflytbe_JlIIl1I'dl3lIllo_has.beenappea/8l.1be/IAFwiII appoinlalh.;..,miI..ibponelwbDwiIlClllllluct"__llIll1o /IAF Il>deandissueilsdedsinnwilbin ...huudreilaud llo!nly (120) da)>oflbe dale..lbeappell3nrs___1be_of1beponelsll3llbeby lDajorily....andsll3llbeJinalandbjgJlng.1be.,.,ofsuch..appealwillbe bomebylllo~JlIIl1I'reganIJess"1be_of1beappeaL /ousol;;.lbeAibilclllm~ 1be1l!nlls..... and.... sII3lli>rall. _meanAmiricmEltpJes1laoelRelatfd_~Inc., -EltpJesCemniionIlaDk, as applicable, an<ilheirparelllS. wbolIyoi lDajorily"""",snh!ldI3rIes,afIiIi3Ies,liceosees,~"""""",, assigns, aud 'ltlfpue:haser\lfJOUf ktnunl; and ail oflheir ..... empJo,ees, ~andi~lnaddlllon, ......or.....sII3llmeari'ltlflbisd JlIIl1I'pmridIng 'ltlfprodnct,.....or benefit In Clllllll!Clilll wIlb IlIohmmt ~botllOtlimlrellllcredltbmeaus, _wboboDOr1beCalll issued mrllloAiroont, tblRlpellles wbD protideorpulidpale In..._ _eIIlllIImenl_aud__credltiIlsm:ma!_ ....dcbt<Dlla:lms.anoflheir_~_and ....""""""") if, lIIIiIooly if, sucIItblRlJllll1l' is llaIII8I as aOHlei!ndont wllh .. ill a Claim""""",! byJOU./osoIelyUO!dln 1hisAibilclllm Pmvlsioo,lbe _.,... or"""" sb3Ilmeanan_or_:lppIlJIl!dby..IIl"". IlIoAimllll,~botllOtlimlrellllaU_or_""""""11y obligalEd UDder 1be.\gll!elllelll or anyprlo1< .......,.. may base bad wIlb ..andan3lllilorlzol"""oflbe_ lbisAibilclllml'm!isionsll3ll__of,.....-mtas-..llas 'IllIunI:uypllllllODlof1bedcbtln~byJOU.'ltlflegalplllll!Olillgbr..IIl<r>llect adebtlll18lby,.., 'ItIf banlaupIl:yby,.. and 'ltlfsaleby ....""'_If anyplllllen<i.1hisAibilclllmPtiwisiooisdeemed_orll1lellfino!abl UDder'ltlflawor-'~wilh1bel\lA,ksll3lllllll_lbe remalnlngplllslciosit1hisAibilclllm ~ 1beAgreementor'ltlfptior .......,.. maybasehad wUh... each olwbichsll3ll be"""""",,, regm. Jess of sud1 invalidity. In tbeew!Dtof.a a:mBict or ;.w ,.nd..'YbelReu!be NAF Codeand1hisAibilclllm~1hisAlbiu2lionPmvisioosll3llpm N......~.~ lbisAibilclllmPmvisioosll3lllllllapp!ylll ,....... and UDlIl,.. use 1be CallI aiIer.. nolify,.. ill Wlitingdl3lais appIicableill~ PRIVACY Omsumtr l/tfxJrls You:llllbixiz.. and our afIiIlaJes Inmaloo_credltllMstigalinos.. deem appIlIpIlalll andlll.......audelll:baose 'ItIf............. may l8:l;lo! fnlmalllSUlllOtltpllllSand__ Wemay'*_"!lIlI1ln8~fgr_ltpIIIlSof"",aedi1 hlsImJ< IlpanlliljllOSt,..wiIlrelt,..whod1era_"'!>lIItwasl8jllOSlld and IlIo ..... and8lidn!ls ollllo lIf!IICfdiai bnisbed lL In......... <lIIllIlllIIlngJOUfaa:amllllllfbebnisbedbr"IIl"""""'" 1rplIIIDg"lll'll'les,~.or_aedi!iI&lf..~dl3l"",_is postdDe,......_h' .... !~.;may,,_lII""'-"'!>lIItand llIo_lIOpCIIIs<i'ltlf.ldditiao;d.f~""""'_If,.. ~;..,....'..ft..basebnisbed3l!outJlllli'_llIa_ ft!lClIl!!IIlIFJCfis~,..sbaoId_"..at_EIpns C18lItilllleau UnlI, p.o,Bax: 7871,FlT ~'"' 1t33329-7871 aud idenliftlllo'l"'lfic~,..beIIeloisinao:cDl3le. I. "' . (\ c z , :.:.:~. .-..-'....~- ...-. . ,~" ^ ,",,,. ~<, I ~'~'"""l ~.~o_~, "WlI"'" ~.~.~. ..i~.. ~ "k - ~~ " As tiIjUileI by Ill'l\ ,... are belebynodlioi Ibat a oegalbl! i;redit report mIeaing on)'OlltCll!dll_maybe_lI<dlOaCll!dll"P'JlliDil_~,...biI.. 1uUilJ111....lISofj'OlltCll!dllobligoliaos; . . /njiJnn41ion PraviIkd to}/filloks . We mayexdlallge'"" inbmaIIon ..._ -,... wjdt our alIiIiaIls, ioduding any a1!dilor 0Iber inbmaIIon.. may ob!ain q.., your applicalion or_repor\S. YllumaydileclllUlOl..s1131..1lhoUrallilialesand lIIbsidiaiies a!ll;lID aeIIl inbmaIIon (0Iber lhan lI:IlISa:lilII or experiel!l> inlomlation:l -J'l!' otany ~ CaIdmember{j)OII JlllIf-by WIiling "us :itAillellclnE!press, P,Oo Box 78S2, R l.mdinlaIe, FL 33329. P!eiIse iIldildejilufAl!<XAml~and indIale ~""""'llI'Sl "'l'1Ies III any Addilional~s)as..n. 71i1p/JtmeJ{;pd/l,'iho Pnllll time... .time..maymonilortelepbooe caIJs beboeo,... or Addl_ CanImembels and us lO......lI1e quality of our_serYia!. MtDIIng LisIt We may use iDlonnaIion ,...1laYe provided ..us OIl your iDlliaI appIicuion and in """",iDlonnaIion deli...! from bow,... use lI1e Ca1d and_ from__indudingCllllSlllllOf1l!pOllS,lilrlll3ljleling_ lindwling~g Iisls), by us and our alIiIioa We may !Iso useinfimmuion deri..dfrom bowJOll use lI1e Ca1d and ni>n-<ledillDCmmaj!on_from public SOlIlt2S .. &.eIop mailing Iisls wIiIcb are usoI by lXlIDpanilis wiIIl whom ..ViIllk..de,.jopolTas,... may~dnilugI1 die mail ~ slanytime ,... wish ..1laYe your..... and _~ fromsudllisls, please C3!lllJ().291-83J3. " UseofCatrlatFederOlGiwermnmrt~ .. . AlIleriC3ll ExpIeo hasl!lll!ll1!dinlo <XIllll2i1t!1OlJld! enable lI1e Ca1d III be""'P'" sl_ --5ll"Jdes anddepatImenJS ("Ap:ies").Aswilll Ca1dll3lls:ldlCiilSsl'~....bl""""" _,... cboose.. ""'your Ca1dsl"Afpi/:f_~iDfim!Iadon.~-by _ Elqms. Cbar&e inlmniation~ Ca1d ~atAp:ies may beusollilrpllli:eSSiogQwgesandp3l'lll!lllS.biI1ingand~_ andmaybeaggiegliredlilr1qlOlling.~andIllllll<etiDg_ . AddllionaI_uses"'of~_byAp:iesarepublish:dperi- odlcaIlyinll1eFelecllRegisle< . CHANGlNGTIlIS AGREEMENT - ASSIGNMTh"T We IlaYe lI1e riglll.. dwlge die _ ofor add new1elms ..IbisAgJeemenl sl any_ We.ilinollfy,...of anycl1alJ#s. We_1!tlI)WllaYeo:l:qllBl dlec:bang<S~)W kEep orusel!le Ca1d...ml...._ ~)W do oat """'" lI1e cI1alJ#s. JOlI mayTBminale1l1is~ byaming l!IeCa1din:llalfandllOliljingus. Wewill1l1i:areltiDdapolllonofyourallllllal Ca1dk Ylluwillslillberespoosiblelilrallleesandcilalg!slllllllebefore)W _llleAgreement . We mayassi%D tblsAgreemeolat anytime__ APPUCAIII.Il JAW 11Ils ~ is goVerned by the laws f'ltbe Stale o(N... York a.d ajlpllc:alJIe federall2w. AMERICAN EXPRESS TllA'IEL 1lELITEO SERVICES COMPANJ; INC. ~;?#' AlfredEKfIIy.Jt - ~Ca1d_Group ,..'~SI~;-~:'.dU~~ll.~jOIl.sPEcw.: .' --"'00tJN'l"'".!' AGBm!MENT ,",i'~,::~~~~~~~~~,~.~~~~ ~p~:.:,~ ~_""~":.; . : .~: ,:. ~~::.~ TBBSlGNa1llAVJlL.\IiIlIOIl.SPI1l:IAL'~ ACCOlIIII' ("AGCOIJN1'1'.I$~\.&VJ.:q;.l~~~.~~ NOmJIlATIQl{JlI.OJlJl$. _ YOII;llllQlIVB S!lQI NOmIC&- 1l0llJllllMllS". ~~__.TO toIlll USB OFTBB ACCOll!I&.~:AIiD~,GOlIlB/ONGTBB ACCOlIIII'.'Sln'lIllDBl!i._~AND BY IlIJlmNGro'IIsE,_~'YOU AGIIIlIlTO BIl BOllND BY 1BISA""""",",,- PIJlA$IIQAD rr CAIII!RlLIX 1. DESCRJP'I10N OFTIlEACCOUNf The~.a~JllIlIIlllI!l~olI'mdby-Express CemuiIoII,B!llk (lI1e"Bank") byiDvi!a!lCll<mly.lheSiIlD&:1iageI~ pellIIils."'iildofer~Ilii'~l!l:bls,auisesllip~prepaId 1DlIi, \"'~'llIlianyodlerl' "'''.les1gua1Il:Ibyll1eBank.1belel:t ."""i"~ ~~ ~l.:~'~ -'~I.;'!l;~.ili.,"".I\,,44W'~~ "-f'!lIl'Illbrusingll1e_)WlIIlISladvisell1e"""'... oiJIiDo, andodler_IbatJOllwish ..do 5OwIleo giWlg""" _lIIIIIIberlilrfllllDlelllatll1e timeofll1epmtbase, or by-g odlerpoahms peIiIdIlDIbylheBanlt lheSpecial~~pellIIils)Wllldelerf'!lll'llllilrall~ AallmIl~El/gdijic:llilFinl:I!Ideclmpof$350and"""lhe ~c:IlaIFsare~~Casb._EIpress"_ ~~~toaI_Pri>iJe&ed-'and OIberb.......:tiwl~bfll1eBank. Any dJaqes wblctill1eB!llk does1llllpemlil" be doIi!IlI!d lIIlder lI1e l<mmloi...,~~c:IlaIFswblcti,...haveoat_.. _willbeliilleluadOrlhe""",,...,,..mgJoilrAmeri''''~ Ca1d1<mml(lI1e.CalllA""lllt"). YlllIarerespoosiblelilrpayiDgall_cbalged .."""_ wiIIdlindudepllldJ;lsios.fiIlaII<e~andodlerleesaswellas 2lIllllIIl1S c1JarF1lIl """ I<mml by snyAddilional CaIIImember OIl your Ca1d_ . You_.."",lI1el<mmlonJylilr~pwt!loslSofeligiblegoods or_andllOllilrll1eJllllliCROf~c:ilshorinelJglblegoodsor ..-. Yllualso_lIlUselheAl!<XAmllilrpolSllll3l,&ml1yorbouse- boIdPlllJl!l!e!!IIlly.Yllumay.il<li~or"""'fFac:ilsh - any goodsor......cIJarFI1illl1e_ Youmay""'" a plIlChase ID ..esI:lIlIi!bmeIIlilraedll,WIbat__pemliIssudlll!lllms. 2. OlHERAPPUCABLETERi'''S,AND CONDmONS 1he Ca1dAimtDl.gDW!lllljd byll1e fII'I'ious 'IJl"III'IIl wblcti. healed ..\gIe!melliIlem<eliC.............and_Express1iagelR<la1ed _~lnco"SomopmlsiOllsinlbat.......aIsoapply..lI1e _lhepmlsiOllswblcti.apply..,IbisAg\e!lllelllare_lIsinglbe Om.;~ClJargtsM4lf4InFtirfign~~ Priutxy.PIeasere!er..thosepmlsiOlls.as)W.....1I1isAg\e!lllelll 3. BILLING STATEMENT - MINIMUM PAYMENT Youwill_Aco.mt..........fromll1e_wIleo)W_""" biUing_lilrlhe~'__Express1iagelR<la1ed _~lnco("l1lS")orim'afIiIlaielwi!l"'aslheBank'sagent lilrplllpCllOS1lfblIllllg;senilIingandcollt<ling"",,_andwillaa asyouragentlilr.pmpooesofIOlZi'lingJllllf-_ Ead1_.........willsl1i>WlI1e'~ Paymemdue upon your mipl of1l1at5llllimeOl. Thei.IimmiiID Paymemiiipelld!lOl1lhe 0IIllllIIl1 oflhe.New~"_"")'ilUr_~"",,MIllimum Paymemon any_..uIbe1hl!tJ1'llD!rof ntJor 1ISilib oflheNew ~_onyourslall!lllelll;pb$anypmloilsly biIJ<d IIiIIimlIm !'ajmeIIIs1bat_~""1heCl<oingIla1liofll1e""""""'-~your New~iS!l5.lhan$2O"your~Paymem.be"""_ NewilalaDo!. Oftllll1>2,,...l!lWajsllaYell1erigbl~payany ilIIllllIlIl greaIer lhan Ibe MIllimumI'ljmelll,'up .. and ioduding lI1e IDIaI New _ OIl your......... slany lime. .;. CO~"T OF CREDIT A. .......cilalg!sbeginlll3lXllll!lilreldll:l1a'l'asofdleda1edle c:Ilarge.paliedlD)'ilUr__IIlI"""cilalg!swillbe """""'in'anybiUingperilldinwb!dll"".beginll1ebilllagperiod wiIIl..OlI1Sl3IIIingh:alulllbalano:,incurllO....c:Ilargeand)W fully pay any OlI!StllIdingc:llargebefore lI1eCl<oing_ lhedailyperiodil:a("DPR") lilr_dlslges depends on """ adbem:e..1be 1eImsof1l1isAg\e!lllelllm!lfub UP" die 12-m1l1l1l1peri1ldfl'lS'lingmbiI1ingperiod(ead1sudlperiod . being_Ill as a"_l'eriod"). ....asJllll'idolinSolionB~lI1ellPRlilr_cilalg!s. baaslOI1.._P!IilIlIllIlDfliJWllowb!dlmaybe~ lhe"', ..,..,........_~_periods 1Illllllbl}t..~;v .,...........IllIbe"l'll1DO mling<lurillgany!lfub~,.~.,. ,~.'1!1'1::1!.':==' .' . .. . > Balro.lhell!'ll . . .,~""".'.., .' .:'L .: i'I!Ill:I!IlfMl ., '. "'........... """~11le.<im_in lI1e~ ,.. 'belll_lI1e_ oflbeMlllimulJil'l!jlli!lltu' ~1bO~lhe_l'I!IlCIlNWlB _willbe..jiaillllfej,f'a~"jdlaDPllli.06!5S in any _I'erilidOO...,.........of'lDYMlainIIlIIi"""""OII""" _...1DdiIlIlII~anllil\i8ldpilolllU>boIaIIooonbilIillg ..........on tbmeor___ (b) anyporliOllofany MinlmDmPaymemOl1 your__...iDdIl!liI_..lIIIplIld pmioIls~""lWG~biIIiIlg-.(<l,... bleachlhe,lmms.of anyOlber AIIJl!ricm EIptesS_or (d) your AallmIl. c:tIIISidim ill dofauIt lilr any ....... and/or Is - 3 0~'iri.d:~~iilltu~}ili:ilt~Ht~,~t:<'~';"";"IC':''''''"'''''I!.i.,,I',' ';""l'."r,~bn~!:':i".{j'i,i'~'-;;'" "".".,1,,;, :;"'''''''',"iH,.;'';;;.I~h;,,,,;mmk~~~~l~~II1ili!l@Ji~d.,@1l,,",aJll!l~il~J~~*iIf"'. --';' ., ,-",--,.,,~~, ilhiw"-~~-lIII~f'~'="=~ ' Forlbep<llll<B5d1bis~lbe"!'lDIzlble"irbilliog . pelipds.,odloginllllYlJ!lIIlhisJbe!'liml!R2le_in1lle1lll/l SlrrttJou!'114!lJIJbelilhdar(dlbe 15dll!ayisllUIuin!s ~lbe~dar)dlbeJllilrIlllllllb.If-1hau....!'IimI! R2leis!O~"mari:boaselbehigbestri..n!'liml!Raa5. Inlbe_d"Utxi ilfll/SlrrttjJumzl....."hepubIisbolor _tl~JbePlilpo_..mar.lDlbe!'liml!R2le pubIisbolin3llfiiher~dJ!ll'Cl!d1a1blicxIinIiewYorlr, Nl; or"marsuhidolleaslmilar_IlIIe2l00r>Jledmelioo. 8. If j'OUfi!ilfiDg.addDs is in lAorPRlbe 1IlIIUblypeli<dic1llle sboIIll<l!..I$;'IIblcbbasa,,-<\.......g_ PIlIICIINQi;llll&DlofJ8:l>fiJr -dJaI&es. ;, AVERAGE D..\JLY BAlANCHIF:l1iOD FOR CALCULATION OF FINANCE CHARGES '!bedaiIyJlllllOd!c.Iis!oI....""appIifd "lbe ".-goDaily BaIaooo" in lbeAQ:ounlduringlbe biI1ingc)':ie~ by lbe -"""""""- '!be.-ge Daily JlaIm:o is de!erminol by taiing lbe begiooiDg baiaJJco dlbe_eacl1~subua:liDganypaymelllOorcmli5and adding any-l<:c:o!lI'lcbl!loslllld uopaiIl...... dlarJ5 (...that...... dlarJ5Vil11""'l>e~fuc:re!jdeolsollAaodnl.lbis.islbedaiIy baIanao.~lbedaiIy~fortfiebillingpeliod...addedandlbe lIllalisdMdeilby.JbelJ!llllbirofdays~ lbebillingpeliod.lbisislbe ".-go Daily~" 1b caIi:oIalelbe ......dlarJ5fiJr a billing peIiod,....,JtipIylbedaiIyporjodic"" (lbelllllUblypeli<diclllleforlA andnl by1lle....Daily_duringlbebil1ingpeliodand multiplylbet<5llidnr~bylbe.-.bmhirddaysinlbebillingpeliod. 1lIls IIlI!lImd of-"""'1he.ti=&e Ilailf Ilioimco.""""" in c:ompouoded -. eJaept.in 1he..... re&.d Ill_ 6. APPUCAT!ON OF PaYMEr<"TS Yoor_wiIlbeapplifdinlbefulJqoiDgway:fior, TRSwiIl'fPlyj'OUf _tD aoy AQ:ounIMinimum Pafments (llomz aq", fiat and lbenprincipal_).mllben lDanybalm:eoolbeCald_ If j'OUfpaymeolS""Jlllll.due, TRSmarapplylbemdilrereodyfmm lbe __~~Iflbem...any_~_*~ j'OUfpayment, TRS wiIl'"""""that,..wanttD reda:2lbe 0U1SIllllding baIanaoOIaoy)mlbe_andTRSwiIlapplyany"",,_ ~1f,..doDOtwantTRS lD apply.. """_tD reduce lbeOOllllalldiDgbalm:emlbe_ "'lllllSl1ellTRSinwriliog. Credit_...~diIi:mldyfrom_.. If,.. ba>e acredit baIm:e oolbe_ TRS will """"" that,.. want lD ba>e thata<dit baiaJJco l!:IDSCeneI tDlbe CaldAQ:ounland Ibat any aalIt baIm:e on lbe CaId_,-booiId he used lD pay __ Pa,meImi and balaJxesoolbeCald_aslbey_dueinlbe_ __ in 1bis_ If,.."""tTRS lD ...aaalltbalanaotD pay more Ihan lbeMinimum Payment due on lbe ,'",,,m, you must 1eII TRSlnwriting. For_.uh adirettdel>itleaOJre, lbeAa:ount_ P:qment and lbebaJan<oOl1lbe Caldh;alunl will be ~_11v1r.lllsfened each moolhfrom j'OUfbaDl:ao:ooot If,.. wish" pay....1han this amount,.. sbouldlllOla<tTRS. - SVSPE:'ISIONfGh'lCEllATION In llddition tD any olber actions .. mar taIoo under this Agreement, !he h;alunlmar be suspeIIIIed or_ 21 lbe Bank's >JIe option, for any ....."SlIbjecllD applk:able iav! 2Iany1imewish or_CIllle and _gi9lng,.._I<Jy..n adloo OQ !heBallk'spartwill oat """" j'OUf obIiglIIioo " pay lbe priadpoI baIanoo, 5oanao dlarJ5 and olbercharp<lDeoo j'OUf _underlbe lElI1lS rilbeAgl<ement in eilect"lbe1ime dlbe....".lI..... or 0Ilp0II!ilII cij'OUfao:oool Inaddidon; iyour_j'OUfCa;d_oranyolber_,.. marba>e..lbell8Jll<, 'IllS oranydlbeir_ is caooeIIed or is not pakUI1,~wil!!appIic:abII1\!!t11lS,ori,....._orunallle or~tlP'l'yourllillls,lbeBankmarrequire_payment rianycharp)'OOlIllIf-eIo:lBIlD~"lbe_ 8. UNAL"THOIUZED CHARGES' 1<Jya......~by.~'lr...."..~..... is notelllidoltD""lbe h;alunlii!llbe~lOtheCa;d_andlbeCanlmemberwill be reguiIolIlOpaytilat(:b:qoin lUII_due_lbe lElI1lS and CllIIdltiadIbOCaId_........ 9. NOTICES 1<Jy1lllk'e~bylbeBanksbollhe_lDbeg;...._deposiled inlbe.1lniIEdSllll!!SIIalI;JIOl!iiIlpo!paid, addresodlDJOU2Ilbelatest billiDgaddlelssliolrnmbllallk's_ ~. ~,~ . 10. CIl..^,,'iGEOFTERMS -A.SSI6N~""T '!beBaokmarao;i&nkaluDlstD anyolberfinaodal_2Ianv lime aalimar,,,,,,,,,lbe ,....of 1bis.Agl<ement 21 any lime, SlIbjecl'" ~1eiav!iIIcllIjIngc:baogeswbich"_gbalaJxesor5oanao '""'r"'" 1be BankwillllOCUi')'OO d cbaoges as reguiIolI by !alE II. {;()VE!lNING LAW 1lIls ~ Is ............,. UlIh law. . TBB!\lW!WIliG1$O'i1!JlS,ul!!~ BY tAW: ~TBE'tIlIIMS.!lF~'~MAYBIl CILlNGED, w!IIlUSl!l<OR NI!r.mDmmiiD BYAGIulDIEN1; IN ACCOJ." BANal W!tJi: APPi.IcABm LAW. NOnCE: I<Jy boIderd1bisOlDSlllSll!faBiitamlr.1ClissubjE<l" all daims anddelims lbedehulrcr:lllkl"""'againstlbe.cl goods or_ obtainoljl\llSll3!ll~ or.uh lbe pRlCl!el!l hereof. Re:oYery be=xIer by lbe _shall notl!l<Cl>ld _ paid by !he debror bereundet AMElllC.IN EXPRESS CEI!I1JRIO!IllANK '. "" . -\ ~I!.~ ./ DavidE.PlluIsen PresldeIIliCEO TO ~(;AN ~,f!"plLlR.RJlC lN1BE tLS. AND m ~ WIIIlBiu.ING BIGiD'S -KBEP11IIS NO'IICBPoIr. fUI'iDm IlSE. lbis_lXJOfains impolIanI il4-........ about j'OUf1igbls and oortepOOSibil- iIies uoder!be Fair.Credit BIIIiDg N;l. NOTIFY us IN CASE OF ERRORS OR . QOFSl'lONS AIIOll1"rolJR BIll.. 1fJ'lU1hinI:j'OUfbiDis_oriJ'lUllllO!moreinformalilltlaboota '.' lrlmSaCIionmj'OUfbiD,wrileusooa""""",sheetolpaperatlbe3ddress' . forbil1inginqfilileslisl",rmjourbiU. WriIe"usas_aspossible. We must bear from J'lU 00 _Ihan 60 days a!ler.. Sl!llt ,..!be fiIst biD 00 wbich lbe error or problem appeared. You can teIepbone lIS, bill doing so will oat ptel!ne j'OUf rigbJs. lnj'OUflet!el;giteuslbeldlooing_ . Youroame and aa:oum.numbet . . '!be doUar lIIOOlllllollbe~ em>< . _lbeerrorandexp/aln,i,..Clll, wbyyoubeliew lbemis .. em>< If J'lU llllO! more inloIlII2lioo, desaibe lbe 10m ,.. "" oat ...ahout. If,.. ba>e aud10rimlus lD payj'OUf -. Express bill ~"~""Ily from your savings, _g orolber _,.. can slop !be payment many . amountbyootilyingus orally orin writingatany1imeup lD Ibree busiDesid'lS before !be autDmaIic paymeni is sdieduIed tD oo:m; . .- '"OCR RIGHTS AIm Ol:R RESPONSlBIUTIESAFTER 'We RECEI\eYOliR 'WlUTTEN NOTICE W.lllllSl:u:knoo!edgej'OUfJeu.rwilbinlOda!s.unIess..ba>eClJllOClfd!be errorbydlOll. W"1lhiD 9Oda!s. we must eilhercoms:t !he error or explain why.. beIieIolbebillwasOJtlOCl AIJ1:rwe...... j'OUf Jeu.rwe cannot Irf tD collect any amount you question or report you as delinquenl We can continue lD bill ,..lor lbe 31Dount ,.. ques- tion, including ...... chaIges, and .. CIll apply any lIIlpaid amount again<! j'OUfaalltlimit. You do notl1ll\elD pay anyquesli0lll!d3lDOlllltwhile..... _gating, but,.....sdIl obligaled lDpar!beparlSdj'OUfbilllbat...not inqueoion. Ifwelind Ibat.. madea_ 00 j'OUf biD,,.. wiIlllOl ba>e" pay any Jiom:echarp_lD'any~_ If...didn'maleamislale, ,.. mar-.""payfiDl!ao>.~ml,.. will ba>e lDmaIe up auy'misxl _mlbe~amouDl.lneillier_..wiIl send,.. a..... lDeIIlollbe_JIlI1....andlbedalethatil!isdue.:..: ..' ~,:: If,..fiiiiiiiji2i1be_that..._JOU!';''' ..iD:iyiepoit,...s;,,:'.-' deIinquem. ~ioorr doeSootsalisly,..and J<lU"lIlOiD " IISwIIIlin"'daystl!lllngusi''' JIlI1sd1l.!lipay;..must1ell~-". ..IIlpOtlJlll1lOthat""'ba1e~qIliItionahoqr,..rbiU..w. "~l.lIJOOi lbe.....rl~..1l!pCllliil""'llI.lVe.1lIiJS!'lI!!I..,...,..lefOrtl.illD'. thatlbe..-blsheeniealedbitli;m1lSi!Enftlinalltl1;..' "': If..don'tmu...lbese lUies,..cm,.',j,,'b$50dil1e'qUeitioned... ...........ij'OUfbiDis= . SPECLlLRLU FOR CREDIT CARD Pt;"R~ES If)'OOha,e.P!!Jbiem wiIb lbe!l!l'1!i!l'dJ!l1ipertyor.......lbatiw pmthasoi wiIb aaBiitaud; and J'lU _'iifiilln Pd&iJh "......lbe pIObIem.uh .:r.. ~ \"." " ;:.E .<:,,'- ... .-:::-...: I!j - ~ "" ,~,-"""" .~ ",,'~ ~ ~~~"',,,i-Jlir","~i; ~ , ) the~ l"1maybaoetheJ!gbtDCllDJllIYthelBll3ioing_due'on pliip!nyorsel'lla5. 'lbelearetoolimilallonslDllIisliil>t (0) YouDlllSlbaoe_thepwcbaseln_hmue_or~DCl__ hmue__lOO lDiIesof_ameDllldillngaddless, and (b)1bep1lld1ao!pri<elllllllbaoebeon 1IIllIl!d1an $50- 11!e!e~do.lIlIl'I'Ply~weownorClp!l2lllthelllOldlant,or~we aWlelll"1theadYerllsemeDtfcrtheprq1l!llyor_ l'IOTE FOR OHIO RESlDI!!\T.; 1beObiOlaw!agiilIstdbw...........1llpIiIe tbal aII_ male aodit equalIya9aiIableiD.aueilllwDrlhyC2lSlOlllm,and tbataoditl!pOltiDg I. 'l!lIlCia~"""""*aoditbislorils..eadl~uponrequest. 1beObiOCiYilRlgbIsr""",,i"""',_~wllblbisa . . . .. .:~. .'.. _."', ",;. .' ." '. ...........' ....,.,..,.... "'n . A(j.lIil1l"""'lT.B~..wJ>llL'lCAlmMl'M1mi. AND. A.~~......';'T:-:':"_':'.To.. ....;,... D_'..;;"';;'. ~.' ~"~A~~~~- SERVICES CoMPANY,INc., CoNCEIlNiN\i'''' ELEcmoNiCJ:lI:iNDTiWimiii SERVicEs - ;: .. ." .... ",.1., ':...... ~.:__ . O~CE yor K\'ROLL J:'( E.\1'RESSl;.IsR (C.w. soo.c.~~O'\l'i yot: '\l'ILLm;'StmEcno THE FQLLO'\l'l"iG mCl'RO~lC FDllS lll.';'~SFERAGIlEE.>o;.\'T :1 SCOPE OF AGR.EEd&'.:"T ': lbis~_ _parlldpaIioi\ In die ExpremCasb and/or P!iby Phone PiograinS ofi'ered by AmericaIl Explll$S (the "Program"l.1n IlIis Agleemen~ the'MInls ')'00' and ')ow" refer III the Bask: CaIdmember (tbal is, thepemnplimarilyresponsiblelor.,.,...o/the""'>llOt) and am includes . aIIAddl1ioDalc..~wbo_.applifdlDpallidpalelnthe:Progtam.1be """"...... '011I" and "us".refer.lD.IDlo;dcmExplll$S1meIRela1edServias ~ lnc.1be"""" "}our~referlDthe_beId by.bauk, _lirmorolherlioandaliIlslilul\Ollf1llmwbichpajmentwillile_ . wben'l"1ma1oo..- uoderthe Progtam. 1be....... "Joui b3Dk" ""'" .. thebauk,_lirmorother1iDanda1._tbalholdsyour_ 1be'..nIs "other opd..... referlD eIecIrooicpajllll!lll....oplions and/or othercasband~~.wbichArlle!lcanExpremmaymale_;f1Ilm limelDiime.For.thePlllposeo/llIis~ooIy.unlesswespecilyolheniise, the wooI."Can!' meaosthe AmericaD'Exp..;s' Gold Canl iswed IblW and your Additiima1 CaIdmembe.s. FuIIdpalIng In theExpremCash ProgramwilleoablelW Ib use the Canllb oblain casbf1llm~ nller1lladJin!s (mfs) qealEllbyanybankor lioandalin5lilu1idnlbatp:lllidpales In lbOPiogram and III oblainAmericall Exp....1laveIels.~(~)0Illl0lSb,_avaiIable;dll8:lIy lromAmericanE:qllessIlispepsels..FarticipaIIng In theplOgl3lll may also enable you Ib obtlln cash andIor Cbeques (1nd!J<Iing allimes American Exp.... Gift Cbeques) duougb other means tbalwe may make available. Such AuIomaleI 'lelIer MldiinosandAmerican E:<pt5D;\peDse1s..._ relerJed.1b as"Milcblnes" anda..-cliOD_1iIth the Canlala_or lilrollghother_iDealis is bereID3fier_1ll "._.....1be pIOgl3IIltDalfais<>enablel"1lbpllllidpalelnotheroplioos. PERSO:-<..u.IDE:--TlFICUIOX :--1.'~lBER In .,.",-.1iIthyour paIlidpalioa In thePtogram. .. bave issued III lW or allowed lW Ib chooolyourown _ _Number ("PIN").I!lu:h lime lW wish III oblain cash or ~ al._ lWDIlISlsupplyJOUf PIN and useOfpRSelll the,Cald.to'emtJI'e r.bat no tmaI1thoriZed transactions are made under the Progtam. jIlU should tale aII_pt1!C3IIlioos Ibpreoeol snyother pemn &om leaming _ PIN or using the CanL Forl!lCllllple,...... Ireep my_ COlltIinillg_PIN _lilorwllb theCanL Other op1ions mayor may 001" the use of. PIN, U~lrr> OX OB't-\l1<L"G <;A>H OR CHEQl'E.' . 1be Ilmlton the l1lIlClUII!:oI"cashandior ~wbich lW ami your AlkIilIojIal. CardiDemIios'~llb12iDrm ~;fiit"ik!py""""""rperiod under the Program~$2.SlJo:~li#ii!iimlybe;;;:~~ itour~l>a!edupon the_of,..............the.~Cal1\~.~.fhec bankopelaling mATM.may impo5illtsownllDll1Saod,lilisecurlly_the bankorlllllerpmVillellof Dmdomaybaoe__ onthellUlllberor amouDl'Ofl "1 I. PAnlE\"T FOR CASH OR CHEQt'ES I!lu:h.Jinlel"1~'~.jllU~usorour"Ib""" clleckordml\il(i'JI~ati~~(AaI)or~ 1r.ID!I'erdledt(l1ljl);l\elliIlnjour""""0riJl!llt........,, porabIe Ibus or III our_In the iiImluntofthe_1be_llIthe_ Shall bethe_o/ cash lW baoe_ and/orthelaalwlue o/the a..p...pIus any applkabIe fesotdllqes. 1befesorcl>q5..._ in theSo:lionoftheApellilaleotided"ClA1tGES..lVewill_llIisdlo:Z, dlalt,ACIlorDl'ClbyourbankIorJl'lllll'lll~ CIL-\ltGES 1be ioelor"!Dcash IraI!SOcIiClII ala_Shall be 3%llIthecash lIlUlso:- Iion_. wIIb.... .$3.00..................iI!l'...~... ...and., IIOlIIIXiIjmm.o\ISO,. m'''''I1.rei. lbdJiDe'""iqxIe.~~jl!a8elnadilii!onlbany_ioe dJaqIlf. FOra.eque~~...ree~lbpmellasesolCbojues sballbel"ollhe....fI!\tlOllfthe<l1<qiil!t(IDyourbiWl!g"""""').1be ClopJereeiswai1lllllor.... Q1d;MeiDflla. ra ~Ior each lIlUlso:- IionJOUf~may....,,~dISIllI!\aIY~ot-.bandIingcllaqe,~ 3IIl' Youam"lDJllIYus'~"'"""i:baIatllor"!D_clleckordnlt Ib leimboDleusloranyaJ5ljofooJlel:llon. Your blaII:may am..... Its C1lIbl!IaIY~lor,,*1lems. FORElGNCl'RllENCYTRANSAcnONS IfjllUmaleanElp!esSCasb wi1lldC\waI .....mtip .~~ kwill beOlll\)lllldIDlo q..s.~...lhedi!!!!kis JlIllI:esl!d by~orourageus ala ral!!l!lbyus.bsoo!""an~otlwbere~byIaw) aIidaI lale,iIlaeasei\lneadl~byil!i~~ lbi"""'tDalfdIll"erf1llmraleSin e!liaonthedlllllo/jllUf~...~Casti_lninl!ign _~by~Jl;#iOrotherlliinlparlleswillbebiIlolal theraleSodIllanIeiorotheftbiillparllesUse. ' OISHONOREDREQllESTS FOR PAYMEN1'S If anr- (clleckordrall<immbyus or our .. in.axmo:Iioo wIIb the PIllgIIlIl) isllOl bonoiod.l>f,j\OlItblmk; we baoe the dgb' OJd>arge the 3lIllllIIl0/ailyodlh'anSl!llionlbthe_ClIldmember'o,QId _orOJ _ the amountf1llm you..lflllis bappeos, we may"""" Jilur right III . panicipaleinthePtogr.un. Forll<!l1lln3lXO!llllS,lW may bave.ll!puate 19teI!lIleIllwllb us or with . palIidpallngtiimk,""'IriIls~.orollier1iDanda1_tbal;n.".. lineofaoditlllbe _In the eienlthalyourllCl:lllnlOOll\llfns ImuIIident funds III makepaymenl OJ us. Yousbould _Ib the ~ agreemeot Jeialing III tballineo/ aeditlor the lemisanda>odi1ions tbal goyem Its use. TRAVELER'< CHEQI'E REFl'ND'< Youogmetballfl"1oblainoruseC!ieques, JOUfrigbtlb -.. . refund or .'Ia'.m....._ Cbeques ...","ai_sbaII be subject III all 01 the coodiIionslisledbelow: . l"1baveiigno!theCbequeslntheupperlelto:omerln_inI: . jIlU bave 001 signed lIie'Cbeques In'the '-Ielta>mer; . l"" baveDotpieD the Cbeques Ib_ pemn or_Ill hold or III keep, aspaitlll.coo&ieooeilllllO; . l"1baveDotused the ~ilI'9iOIalion of any IlO1I iDduding" pail oImiJlegalbel,gamelll_orlllllerpmbillitsdaclloo; . yourCbojues baoe notbeon. by COurl_orby goyemmeDl acIloo; . jIlU immed!ate1y notify us 0/ the !oss or thelt 0/ the Oleques: . l"1repo1tallladsofthe!ossortheltlbusandalsolllthepoli,;egwe asklWID: . lWillfmmusllltheO!rial_o/theloitorsOJienCbojuesandthe place anddllllllll pwdJase; . lW 0lIIIp1ele our refund forms and provide lIS with aazptable proof o/yourideolitr. . l"1gil<Usallreasonable_amlbelprequesledlllmale. OlIIIplelelmesligaliono/thelosiorthelt. ' We.......therigbtIllInvesliplethe_o/any!ossorthelt. WecannolllDpJl'lllll'lll" oJ: _Ill pay any01eques. WR.li1"E;~ R.ECORl)S OFTRANSA(.:TION~ . I Youwill-"'~3\thelimeo/each.~al._desaibillg the IIlIIlSlIliIIilIn afdiIion. weWIII sesi4th\! 1l8siccanl\Dember. moothIy, 'la"III'IIUbo"lIflthe_qt;theCllnlIf!>!Ulll;!lIIr,~..~... " andany cl>q5we """'lmposed.lt~atellO I. , ,< . uodertheProgramIn. palllalIarlllOlllb, we may lIOl$am! .'SIaIilIIleIII,IIIIlIn anycssewewUllllllll. lIaIPJIleIIlalleasl~ ' UABlUTV FOR UNAl:'l'llO~Tl\ANSAcnONSAND ID"1SABlI1lY OF PR6MP'l"~ . "'.. iWlus.ll"OIlCE~JOlIbeIIeI'8theClilil:iltJijUt1'lN~Iost.sOJien...1ISlSl __pem1IssioIl. ~,..the'b",...,oqr 4 '" ''IlJl<l''lble. -'We1!ill-I!!>I!l)'!l!l.fpt,W~""""'~wbIlh ... ~'~~'t.:~"',.iif5;~~~ - myWWJtbodzedtraOSadiorrorBlesOf8IW,...~.1I1i. :~~'b. - fL I sbaIIDCl_$50. s ~'*.,t'"iill;k,M!li~~'!M;fW"I\:ml",~"',[""c,.b;!'o::.j., <' . ":,:<;, ..d: t.,." '~""-<' J";.,,;',t.'J."Y".+ ,\I,;."..,.; ;., 1; "'f"lli~!i:l~ii~Ul~'l!il!4HIi!_!'i'H:~^h"bi,*~\!I>blBOi<l!iI.iI>1;~j!;!:llllitll!lllilillliM.1II-~ ffl"!beIiewo1beCaol<!l!~PIN~bemlostor_ortbal_bao - transfenelorJltlf.....mooeylrom)'llllr_1ri1boatpellllimollall: 800-327-2177 91ll-333-32I1(_U,S) mylimo,or1'rill!: . .\meIjcm E;!Pis c..ditJlrparttDellt l!O.~S3lllO l'boeoiI,Amlma85lJn.383O ' OU1sidetbeUllileds..,JIlIUJltIfalo>_any_E>press1'raw!l __.. ~almsorlb,lhlftbeCaolor)'llllrPIN_ OUR LIAIlIIl'IY FOR IMPRQPl!R TIlA.'1SAcTIONS_ OR PA"iMENTS ' ffa_islllll~"iJOU"",,,_oril"dolllllamplelea _.. orlrom )'IllIrlO!lllDf<ili lime in tbe CIlI181amounl,..wiIl be liable lorjOurlossesor~~ tbelearesomeemplllXls. We will not be IiabIe"JOUintbelllllooiDt_ ' ' , .. . i1,tIUoogbnofaultoC_)'IllIr~'doesoollXllllainenoll!h mooey"QIlIpliIetbelll1im:lioD; '.' '. . iltbefuudsinjOUf~"'''''*''''legolplllO!SSorodler ~1l"""""~1bell'llllSai:lioc" , . iltbe)!acbiDeorotber'I.C:;$l1vb,,,, JIlIU are making !be _ ' ....nc.baleeoi>ugilc:astiorCbiiques;: .' . iI!beM!,:bin"".. not1lOliingJll1lllOdYiand you_this al!be lime YOU-making1be,II>DsaliIloo:! " , ' . iI cimJmstmcesbejOodoOrlnolml (~llcl13s Ii1e or flood) """"" !be l!:lnsaI:tion,despilereaolDObleJllOCllllioPs1bat..bale_ . oranyodleremp__inthisagreemen' . , BUSINESS DAY , . For.JIIllPOSl!S althis.\gJeemelll. ourbusilleoldajs are MoodaylbroughFtidajt 1I.lida!".. not iDduded. . . ' .. ' ARBITRATION TheCatd_isg<M!llll!llbytbeIDstagt8!lllellllXlDlllioedbelein. . The_plOrisionO)lltainedwilbinthil~t'l'Plies..this Agrel!meur. please lefer.. tbalpmislon" you read thisAgrel!meur. DISCLOSURE OF ACCOUNT INFORMATIONTO THIR.D PARnES T. plOIel1 your~.. will notdis;dcoe any -.. about your Program -"any_""'PI"- " I." """""'1"a>mpl<le -"" l....mytbe_and_oI!beCatdao:ouotlor.lbitdpart)\ such "a6naocial_orcmlitbureau (.~lorAt""""- residenls,alXlllSllllll!fll!pOl1ing_"delinedincbaprer93al !be """"""-Geaenl Laos); ,... " 3,"cmnplywitb&'Jl"Illlll'Ol_orcourtonleIs; 4...ouremp1oyeos.1lIlIiIm>,'""",,plO'Iidm,alIorne'jS,oroilleaiou agen.in!beallllSeoltbeirdulies; 5,.."""",,_bylawin !beallllSeoltbeirollidaldulies; or ~ilyougiveUSjOUf_~ HOWTO CONTAcr US ff lor any ...... you wish .. COIJla<lus about !be Pmgr3m, about your pall!cipaIioo in !be PiogJ:Iin orabout_ous reIaIing..!be Pmgr3m, write orca1l US asfolIows: Address: -. EJpress 1'raw!I ReIall!d SeMas Company. "'" EJpressCash()peralion< P.O. Box 27184 Gt<eDsboro, NC27425 '1llIepIxo!: 8OIlG\SIHlO\v,24_a~ 7 dajsa_ IN CASE OF ERRORS OR QlJESTIONS ABOUT YOUR TllANSAcrtONS ' - orcaH il$ aI !belllllllileroraddnsl!i""..... "SOOll,,,)'iIl Clll.ilyou tbink)'llllr_orJea!iplis~otilJllllzed................1bout aIllllls1lclicnI\5!BlOll"""'~or.,.,.;pt. WemuslbearlromJllllno Iaa!rll>!l161!...afIi!r......JlIIltbeFlllSl'_0II_1bepmb/em or_JilIll!IIBl 1.'00 llS)'IllIr.....W Catd_1lIIlIIbet l_lbo_ortbe~JlIIl,arellJl5lJleaboul,andelpiain "cIeodyas joucm wby,...'beIleiil Ris.. _orwby you zed .................. ~ ThIlus!bedoUaramoomlaltbe~_ . ~ . =I~=~ >~" __ _' . ~ , , "W liLJ~ !!IIIIliJ"'-II~_;,:; ffJllll,reIlus...ny"" may Il!lpli1e tbal JlIIl S!IId us your<Xllllpbimor~-'" inwriliogwitbinlObusinessda!"'lromliiOdaleJllll_'" ~ WewillrellJlllltberesullsoCour~_lObusinessdaJs"...... bearfrom JlIIl m1.. wi1ICIlI181my.....prolllplJj< If"" zed....._ "",-,,1!lIY ~up.lD,45 ~"Ill im!:stigaIe your<Xllllpbimor quesIillIL If.. oieckl;"oIo this .. will...... tbal jOUf bank reaedilS your _witbinIObusinessdaJs"farlbellll!lllllljOlltbinkisinem>r;..tbaI you will bale !be use oC!be iDooer~1bo lime R l$is.... a>mpIeleour inI<lligalion.If..asi<JlIIl IllpurjOUf"""l!laint orquaIiaJ io wriliog aIld.. doQOl_i1_~ObusinessdaJs"lilIIowiog)'llllron1llCl1ificotioo... maynotmedi1yourllCl:lllllll. . For" '"IUiIIlSI3IedlllllSidetbeU,S(mlin!be....tbelearellanlies rellIIIioglromanr~debitClllli_),..wiIlbale90 aImlar.... a>mpIele ourimesligalino.... otbenvise requiIed by"'" ff~OC..enorOll)'llllr_is_witbinlOaImlardajs alteryour_is~..wlIIbale20busilleoldajslllprorideyouwitb !be tesu/1soCour _gaIiOIIwame:t anyemlfand 90dajs III a>mpIele!be imesIipIioo.-, . , ' iI...~tb'!t"""'...noemJJ;..wiIllelld,.;.a_~ witbin3business..alter.. finish our imesligalion. Up001'""request.. wiIlprorideyouw;tb aipies 'If 1be documeals tbal.. used in our imesIigation. iI""",,,~.e:iEdiIelIyour_dutiog!beinl<lligationalld ~tbal",,",...no,emJJ;..wiIlnolifYyouallbedaleOll_"wi1I redebit)'llllr_ and tbe......... be debilEd. You sbouId....._ tbalyour___......."""'thisdebit.Ifit........ .. b:oelbe rigbl.. charge such amount to !be Catd 3IXOIlIlt or to_ !be.......fmin,ou. ffthis happens, ..may C3IllEl 1'"" rigbt.. patlidpal2in!bel'rogJ:un. TERMINATION We, or.anypatlidpaliog baokorlinaudal_ may add or -3Ilf orallMadlloesorsleodorllmit 1besenl<esproridedalany_OIl,_ nolIliiog.JlIIlw..band.1n -. ..JltIfdistontinue!be l'rogtam3l3llf _ WeJltlfalso......yourrigbltopallidpalein1bePmgr3m,bulil..do ..wiIlgiveJllll1lli1le1,lIllIil201sucb IOI<lC:aIfou. You may-)'IllIr paIlitlpalfonin tbel'rogtam bulyou mustdo..by'llltioglDUSaltbe3lllress distIosolin!be_oItbisAgreomeateoli1led"llOWTOCONrACTus." Yourrigbt1O paIIidpaIe in tbePiogJ:lin will also be -.ialEdiltbe Catd _ is,canczUedfarany....... ilyou C3IllEl!be autbimza1ion you t.... given "JOur bank 10 d1..aIy cbarge cbed<s or dralls III )'IllIr actlllIIl~ or iI!be actlllIIlifrom wbicb paymentwi1l be madewben JlIIl..... _ mxIer !be Pl1iiibm is dosed. Yourpllllidpalioo in !be l'rogtam also depeoIs _ !beCaid_1l!IIIIioillg ingoodslllncling;as.. bale !be rigbt..deny "~loranyrequesre!_ Ifyoudose)'llllr_youagreelllno!ifyusfustandlDSlOpioitlaling -.... You agreelDpaylorartfCheques. cash or_l'lllaining , llllp3idalter_ ' PRlORAGIlEEMENTS AND ASSIGNMENTS This agt8!lIlellI~ _takes1be place 01 an prior agreements you may bale witb us teIaIing III 1bePiogJ:lin using tbe !:ani. We haw !be right .. :mign thisApDont..asubeidiatyor__a1anytime. AMERICAN EXPRESS TRAYEL IlEL\TED SERVICES COMPANY, me. "Ol, ~;?tI' A!fredU"UlI!< Presideot Coosumer Catd SeMas Group NOTE FOR ~qroSEITS Rl!SIDENTS, / ~'~:~':,,;"Any.,..-prorided"JlIIl _~d\al..~tllildllllilsli!r...madelbalIbeadmissihle as~d",,",lIZimmlsballcoosiilulopdmafacieproo/tbalsuch _...-. , " The_byJlllloC<;eIlain,,,,,,,,,,,"*,limds _lromjOUfllttlXlllt '. will, ""'PI " otbenvise provided intbisAgtam!Dl. e!IedioeIy e!iminaIe your abi!ltyIllSlOppaymentoC!beltllDliot =r~. FMI'1.Q\'iit~' Sll'IRIlm'l6l1Wu1 _, '"For" ....d lSdmIs, IOaJendzodzysiDslladofbasDBdIys.' T 6 ."--,, . ~----:::; ~.- -- ! __~* .~,' -=~,,,,,,,-J~ ' h , "l. -L 'k"'~""~"_~IlM.iilu.I~ ~-, ~ ~'~'I!llt~o:>m&-""_<!.l\;,,,,,,,,,;~,,,,"i.-;~~ -"''''eM"'''-'! "~ ~~ ('1 D~stjllE OFACCOUlI1T 1l'<1'0RMA110NTo nnRoPARnEs If"",p lB'llUf1niama.db.ui>.olku 0> - """""""'" about,.., J'iUr Cadai:tllUDl..lhe...........U"'" make o>,mypeebn, U 3lllbori23- IImub...M-.....'lyapile4Sdayo...-..il. : OPl1QNAL IDlIT ON OBTAINING CASH blbalelbeopllmil!il<qllOll.!bat..Ilmillhe lllIaI_ofcab U,.. may_liam,!l'Mi i1i'siJi8!eday'1O $50. If,.. elettdlis llpIIm..wiIl take aII~#.lD.mmplyi;jjh,"",ft!lIU'Sl. ., FOR. YOIlR SAFEn',WHEN USING AN AD!. PLEASE OBSEllVETHIl FOWlWING: Iflhe>!I'M"",amMls}IISil...bulIdiDg.._lbel!llll1dooraDlplelely uponelllllrfa&.1IId1Y;dUaIs\VbObaIe'Jogillmalelll!B1111 pin 3Cll!SS 1II8111lll1 sbauldbaleacam.l1lerelJllfbeoxasiomwbm.....iIIIIIIoIiml_ pin 3Cll!SS1II8IImt_dial...beyom!miDdi'lillual~0lIIII1ll. Putwilbdmllcab..1l:DoIe1:s~in.""",pb:e_lIl!ppillg_ fromlbe.ll'M.SO_ofjllUl'.........'.1l' If,..beIieIe,,,'''being walCbedorfalloftd,CIIlIllIjIlUI'-.IbeIIFlIIaweJl.pqallaled..... If_calIlhelocalpoli:e.. . Do 1lllI'.riII,.... PIN IlIIIlIberlllornear,lhe Cald.DoIllll gDejllUl'PIN IlIlIIllieflD_eIsl!.lIi_of..~calI91L CoInplain1s~SllClIrilYat..~ElpressDi>peosersbouldbe . ~ll!lbeaddress-"""lIDW;roClllml:l'lIS.. . NaU::lot:IIt1IJyitbeingrermfed by l1i#m _gUm /caJtkms InNetIJ lfriaty_lISi'eqilitedby_~ " . j r' . ~ .. . THE PmlCIIASE PB.oTEciiON""I'LAN: . ...:.. .'I>EsQupnON ()l'~""'":."GE'.~,~;~ _1be.~_al'ialll__...ADleri:aDEJpnSo CallImenIher\:bliiFl.ClJI'eI8l~.OllIiIeIywilbbisorberCald_ lhe I'uD:Illoe ProledlOn PIaa pI1lIli:l!Jll'....1I1elt of aM ao:i4eollII damage 111 lheilllul.pun:llasollor90dayolmla tl!ed;lteofpun:lwe.1h!"""""'iS. . . _10 $l,OIlOperOo:1iireoie, up 0> $SO.ooo perr""""",,""_per pollcy,~ aodisin EXCESSof.oIbersourcesolillslJlaJlo!. HOW YOI' BEl\"EFlT . Iemof I""OJ!I! pmpertypun:basedworldwide wiIb the CaId... """"'" including gills pun:based lor otbm. . 1<.~,....~isClJl'el8llor90dayslmlalbedaleof ~wbm,..cIJ:qolhe""",prla>oflheputt:basedillluli;jjh,.... CaId_' . 1be1'uD:llloe.l'roIEdIoaPlaaPIll9idel_lorUPlll$l,OOOperocmr- _ofll1eltor~ <Iamagii ("dcl:unem:e1, IlllllD ea:eed $50,000 per~-perpoJiqyea< . 1bel'ua:l1&~PJaaptovides""""&"oatthediscre!lm1oflhe insureJ; ll!J#;IIrlhepei:;mla1p1qlOlly; orlDl!pb:eil'\!ilbtbl",me.. """""'!!al~iIIlulorlD P"Yc:asb(oraolit the CaIdmoo!ber's AmeIi<:ailEijms'~illllllllill:eodlheoriginal~prio!, exdudin&tal\l5 aodsbipping aod bam!Ilng_ wbmlhe IIem was cbargedOlllilely'\!ilb lheCald.' "'110 IS COVERED yOl1...eIlgjf1lefO(_IfJ'lll....U.s._~Uls,lhe _f.xpless" CadorOplima" Call1in assoc:iatiouwilb t!lllt.Cad bas been _10 J'lll in,....naioe. iiI!I jIlUI'Cad aa:ollDl is bilIo!in u.s. doUaIs lmIa ..opernling_ialheU.s.' KEY TER~ISTO 1(.'10"" . _wiIllllllbepailIf.OIIthedaleofOa:umoDolorOl1lhedaleofd2im tiling, myc3lllOl1llldue III )'IlUfCad.~is uapafdlor... ormme biIIing~)orjllUl'Cad"""""ls~' . . You _ptll'Ilde pmafofpmdJaam!!III:sI':o:Illqpmofoflbe 1I1elt..aa:t- deomi damageWbile..... is in._ 111 qUaIllr lor """"'" 1Ii1der lhe _~PJaa.Ill!tDomb<ir.lIIlroepalljllUl'_1l>pnss ~ll!Q!ip/I,originaI_ll!Q!ip/I,aod, d:IaIate1- .. 'l'.alaagiUDdetlhel'uD:llloe _ Plaa is EXCESS; 1bis1lll!llllSt!lllt1f. atlbiO dmoofOa:lmella!o JIlU baftiiillior..udaodc.lIl!C1ll1kHti;u....... iIldemoily-suc&.as ilatlllllllmilld 111 bau..,.....sor........iIIsDiIiiloe... iasul!!D<eJlCllYldillby.tbI1dpmy(....<!1ipper)-1be1'uD:llloe ......... Plaa'l!lll_1b;it~IllllCD\1!ll!d IlrSlJcb olber......... or~upl!ilbelimllsof1be_ c _PJaa. PliROlASES NOT COVEllED ._dlicis,.oftaykind,nqtlIi3bIeimaumeols(olC!l"pnlIIIi>- ..,. '-),<asbor 1lsequiwIem; . _..liVillgpfanls: . ..._....~oI..orJl'lisl!ableIem'\!ilbllmilldum_(olC!l...but"'" 1imlIBl1ll~JI&blbull1s,baIIioiesl: . usoI,lllbuiIt..llillIdIisbed,or-~nodlllms; . Iflbedamagoi"sIllIeallemaxaisls.ofarlldesin.pairorsel,_ =~~~~~~:;==r'- ~ .......oftayspecial Ue dlearti:le(s) may""'" bad" pall of, ...orCrlllei:lllll; . ~pallI,~bDIlllllllmitedlD""'bubc:qo,linsaod 1IIUIIIea,~cx:~iIJ"!'~>1>"'i..~(olC!l"inC8ll,tnxl:s, 1IIOIlIC)'CIei,1lDdJI~~IaOn.......): . peIlII8IIISllboUiiibOliliiri(Vorllulli>eSlimms,includiDgilatlllll_1lI czpeliDg.lIoDriI>g aDlim' Il!e: . 11usiJie!s........lIIibilllog.l1utllllillmilldlDair<ll>ldilicocD, ~beaII!Is: . omabolpilal.moIii:aIaoddeomiequipmelllaoddmes; . cue sI2IDpS Qi'aUIs; . Iemloil,~or_""lhe""'aodC>llllnllofatbinlpmyor COI1llDllIICIIIieI: . Iemllll1ll1l11Or__l1lIlIng;aod . l!IlgiIlepal1Sfilrall 1IlClIllIiml_ OCct.1lIlENCES NOT COVEllED . ilem> "'" ormisplaad: . ilems_lmIa_iIes; . ilems IlllI reascllIlII1ly l3legu2oled by jIlU; . jeoeIIyor...._lmIaI1aggageIllllC8ll!edbyhm!'l1lllder1wr ~lllp!lYisim orUDdet lheSUpemsioa of. tmoIingCDlllplllioa preYiousIy-byJllU; . Iemdamagedduelll ammal_ aod Iear, _ pl<!ducl delect, abule, or ammal_Dfp!af (lor Iemsucb "FIfaod _ i>aIIs); . ..,......~ . _""""'llrfillDdoreartbpke;llalld,_orbo&lllltiesofaoy kind (~~iIriasioo,reIi!iUoo. "'~:""'~Ilroolerofaoy pemmiml,j>ubIIl:~or'_." '.'ollidaI:risisof ......b.ulI.illegal llCIhUyoticls;'-"CIllIlaIIIinaIf HOWTO mEA CLUM ReIQembeI; lIIinsUle prmopt ptllDItSSing of jIlUI' claim, ,.. oeoIlIIlI!pllIt my lbeltor"""""~~lbe.daleollbeOcl:url!llce,iIldadiog lI1eltor""""",.,:giljs~1ifttictbeSa!d.ReDleml>eraJso,,..oeoIllI _,....lEcI:lp1iaodJ'iUr~IIemOfappIidJl1le)UIl/llthedaim _isClllllplele. 1. CaII_$lO?22-1277 0> lI!pllIt jIlUI'lI1elt or """""daim (_calIcolIfl:tatll5-273-649s). NOlI:: If>u mast rrportyourdllim toiJbin 30 dizysjrom /be dotoof~ 2. You may,be.....__ClaimFolmwbicbjllU_ I1lIllIpIelo.IiDnl aod back,JiSn, aod..... III the dalms olIice wiIb Ibe fDIIowia~requireddDcumeDls'.(kEop Olpies for,....... """""): . lheAaledcaa FJopresdmge reCeipl: 'lheorigina!lleIIIiaI!d_RlC2ipO; . lheillsul:ml;e~forID!lorjllUl'_"""ofillsulaDo: or~(~~....~or""""illslJIaJIo!.orillsulaDo:. proridodbyatbinlpmy); .. . apbmDgtapbDf:md1orrepair_lorlhedamagelllem (""""" dalms oaIy); aod . lorllioltdafal\oaIy,alOpCilllgllldillglhe_lemwbicb.. / _l1efiled_lkpol!iJOorolberapplDpllaleSllCllrilYoIIiz . wIilIID48bDmSOIltiildaleoflia:uneooo. . .' '., _If>umast_your~t#lJimjJm.lII1Iii'eqilited ~toiJbin60dizysjromllJBdotoof~ . .' - .,' .. 3.Allhe,tisaeliDaoflbell\lUll!>: .Dudlbeltor~dallliiwill be....&.!.. bfdlbiil.JlalJlDC&~_or~lI4lhe_ora .'. ll!blIaIIIlallyilmlllr_orby.....~lorbyaodi!lD8lheCaol- . 1Ill:IlIb<tts_ f.1pnss aaDIDl'l,lil anaIuDIIDIlllll1Dea:eed IIlIl origiIla1-,-,,,,,,,aodsbippingaodbaodllilg_ofthe cbalge!iIIlulU).'. . . _NoJlll71Rll1flr1liJlbo11l4lis..."",dIIim/lJlJti8nd' . ~,. '~In/be_.i'eqilitedby/be_ 7 -."-').'",,,'-". ",.1," ,,("1"<!']""j!jIJjl~jiil~:iJ-5iJlnIIH-!I-i~11!i~b~~;:j}i'-i.,~'!l!'~,,~",oLU~D.;;4!iM~~~fmJ!liUIIIR!IJ1m!!Iil - or less, exduliog- (nol!'''''''8lA50.000 per CanImemher"""""t Ii'- poIicy)""f for all 00:tItRnces.0lIIIbiQ!!d). . ClJoerateispl!lridolformyproduct~"""ordama&e~by . 1be.....ci1be~orir,il)2l~("lla:utrenco")-"no"""'Cll5t. .1be~"""""",PIm,a11be~ci1be~willrepair1be petSOII2Iptql!llfutiliziogm'l!Pll"'d-ExprelsIll!lWOrltsemcer: replacettwilh1be~or~Similarilem;paycasb; (oraelitille ~s_Exprelsa:i:lllmt'')notlD""","ilIe_ciille ~puo:haseprit2;!"rfudbl&l3XI!SlItldshipping:md1mlling expenses. of such'property_has been chatpodemirelywith ilIeCald.' . Wbete.1bel"D"l,jlropertyallllislsofattil;lesinapairor...lbisl'oli:ysball beliablefor...iIoIDin 1bepairorllt'llh!d1linm 1be _of claim_ . !Iopoiluct~or_lhnentistoqUiredformyc:llll!telpnxluas, . iDd1Jllog gills p<m:hasid lor oIhets. \. \ , 4. For...... daiIm,)'lU tlJ!'l' be requi1!d lD seed in 1be ~ iRm(s); at JOlIf_IorIullher_ofjWl'~ .... N_!/ requdSd. you nwsI send in the tfamagrd _ WiJDin JOdaysfromthe.tlizlzrf"'l""'- . Il\lPORUl';T ADomoN.>\,L L'WORIM110N FOR YOU. . 1be"""",,pmoillOluDderlbe~ProIlidionPbnapplyoolylDyou. OItIyJOUIme mylqlll or equitable ripJlt, remedy.ordaim ,,_ JllllC"lIs mlior dama8es UllIIeror arisinglrom 1be - Prore:Ilon PlaD. A1I_andJ!Ol'!icll"""tinolbetalr2tl lD mid or";';' ""thellof, or..... IllJlRlP"lY.......by 1be _ PtoO!Clioo PlaD. Foreumple, llll!clcIB1or~izm_lrompoblier.alitieswilllllllbe_ Wheoabeoidilllas~paldunder1be- -.. PIao,1beImner bec:tlm!slllimlpll!d.lll1be.tcisuchpaJlll<tl~..aIl JOlIfrigtnsaod Iemedies aiiaiD!tmy~1e P!'liJ'. Upon.... request, JOU llltlStprooide uste;lSlllllb)e~itldudlngsigoiDgdocumeoJsU_lllbriog swtin your'~ 1be_PtoO!CliooPlanisllllllenvtitEnby.IMEX_Olmpmy ("fnsure(). A<hoinisIIathe qu;",Greon Ball Wlomsin. litis cb:umi!ill..... ally as ad<o:riptioo ci ~:mdb notapolicyoramo:tofiDsutatxe; 1be aclIl3i' .....axliliiiOnsaod!"lusiollsofPolicyA/CD951 ("P1>liq")pem1be_ _Plm.1bePolicyhas,beenislUed.._Exprels__ _~Jnc.('~~)ilIePoliqboldeclltis"""""'" replacesallexistingpriorlJe5l:tiPtioosof~forille__PIan ~9' ~ ;#~. -1. CIak, Presideo, TImolhy M<eh3o. SeaeWy . .lMEXAssutlmCe Company ,.IMEX_ Company 6726-11-97 2198 1. For IiXJ(e eIigihleand _ in Meinher1bip -. /!1e enJfrO 'co.rI of _ _ produd may.... be prm:/>>sed tbroutft. JJ. .~.. or(- MembenI1ip RIIIJKI1ds~ <rifi<;ate. . 2. ForliXJ(eeligihleand entlJ/lettinMernlJmbip RetJJDrtIs,beMjiJs.,...... JItlid.. the purri1izI;ed_1s rtaived tbrougb the re:kmpIion of- MernlJmbipl!eu!lmis ~ <rifi<;ate. 3.lJDes not applyiIJ Nf!111llri S/aiB_ 4. For Ibase eIigihle and_in MembenI1ip -. payment or aetiitwm not """"theoriginal assipd value of the perton4I property.18<I!itJed1brltugi~ of_MembenI1ipR_ ~ lZI1ijit:aIeilplDthesfqJHJ-, e:duding ta=and slJippinfandlJaiuilbrf"'1J<flS'L 5.ltrtpot1ant_ fr IiXJ(e _in MembeniIip ReuxmIs: AMembeniIip _ ..J....pi!<M artijiczIBam onfybemkemed by eligible ~,lknt/iJswm rwtbeJltlidwhen _MembenI1ip_ ~ IZI1ijit:aIebqs.....1n1nt(erred /0 ntJn-<IigibIeCtmimemJ;ers and/ornon.o..~~.Jben. . 6.lJDes not applylD Net/1 Jtri S/aiB_ 7. Wb<n eIigihle and _ in~ R_, proof of assipd value p/JmJ ""SRd>jm1JIerIy when using _ MembenI1ip R_ ...do! tpIitJ.,ceriijiatIe, mtJSIbesubmitkdinaddililmlDtheother requiTed documenIs, if1'eJU'$lEd 8. Dots not apply /0 _llri S/aiB_ 9. For liXJ(eeligihle "'!<i_in MembmI1ip -. payment or cmiiJwm not """"thearigin41 assipd value of the perton4I property receImi~ ......,.ptiD.. of- MembenI1ip R_ redemp- lion CDfijiaJleilp to t&sfqJHJ-. """"",,,ta=and shipping and iJand6ng e:penaes." nIi{~}'-~~~ii~~~~'~: . ~F,CoDllAGE,:,,, _dIe.....J~ftiIi_ _au_Express" r~.......iho_~ofa""",""product'lrilh bisor berCatd ~1be~~~"!IIII<lleOdlhell!tmsci1beoriglDalOlllll1l- la:lutefs"""""'l'lilr~~of_."1bedumtioo-oi1beoriglDal ~.....1OUtOtIll\OP"OOeaddftiooa1"",ooU.s:wmautiesoflige _or"". . . '. . HOWYOl; IlENEflT . 1be~Assutlall:IoPlanminm~wmautiesforc:llll!tel pnxllII:Is)lUl1:ilaoll~wl!hJOUfCatd_up"one_"", . WheoJOlIf_plUbxrs~swatl2llt}'l!lIpins,1be~ Assutlall:Io Plan..... _-pmtidiog _lilrpnxllll:ls al5IiDg $10,000 WHO IS COVERED Youllteoligiblefor_UyoullteaU.s._~Ihatis,ilIe _ Express"Catdor~. Catd in assoc:i3tion wiJh Ihat Catdhas bo!n islUed"JOUinJOlIfoame, :mdJOUrCatd_isbilled in U.s._from mopealingconlfrinilleU.s.' . KEYTERMSTOKNOW . . . . BeoeliIs1Oillnotbepaid'iI,oothe_ofllo:uJIeoa>oronthe_ofdaim liIiog,,,,,_dlie on yow: Catd _is unpaid for... o,more bi!liDgtj<le(s)orJOUrCatd_istallCl!lled.' . You must proWIe proof of pwd1ase aod saIisfa:tmy proof of 1be c:lIlI!teI . Oc:almooowbiIe-_isin_"quaIilylor_Ullder1be&ljer's _Plm.RememberIDi<eepallJOlIfAmericml!lqnelstbatge ~original_ll!C!ip1S,originalmanur.aure.s---.oM produdsrequiringrepail: . JIJOUIiurmadditiooa1senimcon"",orau___fora puirhase Ihat>heolrCODleS wiJh in original U.s.,-. """"If, _:mder 1be Bujors _ Plan.... rwt uppIy. If. ~ you .putthase au_ Express" s.mre Pbnwithapwd1aseiiom_ Exprels_Seliires;ilIe~_Pbnwill'PPlybefore ilIeSerricePlanis'ine!fect. . !ny......,m[y.~._oriosl>llatinndlq5 . _a1arisdditionalOlStinOllllllEdionwiJhillepwd1aseolac:llll!tel productwillnotbec:llll!telunderlbe'iluJ<t's_PIm. PROOUcrs NOT COVERED .iDdiYiduaIproduclsOl5llngmorelhan $10,000; . produds not pmchased in the U.s., its letrilories or polSl!lSioos; . produdswi14 """'"""'-. __ JastiDg in emss ci 1ige)"3lS; . produclsnothaviDg""",""",-.wmautiesvalidinilleU.s, . used,rebuib,1'efwlUsbedorpm:mllf.Juoh1'!dilems; . pnxfucIsawell!dby'ao,II~~lguaranreeofferedbyareraile:rora !ItItlllfa:turelDrepairorrephiOilbeptodllcl31llOaddi_aISl,inille .....ilIe~ceases.._aspromised; . __(sw:h,,"""Inlcis,.....rcydes,boats,ailplws,or ridiDgIawn""""'):md dleIrpans. subject" bigh Iisk. OlIIIbuslible.... :md ~ orlllileagl!llipubtiDos (induding bal>lries, C3tbure!Dls, pipes, boses.pis1Dm.braIzs,.....ormufllea): . IIIOIDriml_:mddlelrpattsusedloragricullure,J:mdscIpin,demoIi- liooor~ whetberforpmooal.leisureorbusinessuse; . __:mddlelrpattswhichlltepenoaoeIlladdilioosoriixtures ..aresideiuia1oralltllDeldalliuiJdlDg . . . .businessfimlres,int:ludingbutnotlimiled"alrcoodi_. refri&mJms, bealeIs: . I:mdorbuildingl; 'OlllSUlllableo'pelishabIe~ . auimalsor Imogplauts; . . one of a kind produds which omool be replaoed: om . !"""Slilltmder_biIliDg OCCURRENCES NOT COVERED . dlanago,eIIll!pllttlbel!lll!llllhelll3lllll'at:lu_""""damago; . _ClIllI!llbytloodor~IJaud,~_orl1mlllitiesof ""kind(e.g.,-'D!beIUoo._);~iIf_ofmy __pl!bli:~orail!rJmsoflicld:dstsciCOlltt2b:md:iIIepl adfrityOl'adS;~rnnf!mllna~ .... : .' .~ HO""TO F1lJ!A C1AIM '. ....., ~JOU"'''repoIt",,~jmmoj)ateiyfDIloolDglbOd3Ioof 1be0l:t:uml!Ce. iDiluiBnglhatforJlll!~ 1IiIh 1be Catd.1lemember also, JOUIll!l!il,,_)iJur11lO!ljllS, tbeoligillSl ~""'-'_.:md 1beproductrequiritlgrepalrunllllbec!llitnJllO"SSiscooopleol. 1. Call1D1J.6eesoo.22H750:md..1OiIIdirectyou "arepairl3dlity (_ call collect 3l103-Z73-6498). 8 __~ ,0, ,~,~, .. ___"..--:7" ~ ,~~ . .,_"l , ) ; < J ~: .~.. "' . =,- .........~J.~~.I~;omi~ItiiilI~~..- _}flu martnponyourdaimlllilllinJOfhFftom dledme 1fOa:urii:nt;e. 2.AI1bed!sclellonOlthe~vaIlddaims1!lllbesalis&dbr_~g . thepIlldllCtUlillZillganapp11ll8l_~""",,","'-; I \liPIadIIilt'oilh;1be""*ar.9'......~l\yjimilar_ byCJSb paymellI: (arby~1beCIJ". .hoo?MIericm~3lXIllIIJ1').inan3llKllllll llDl..eIlZOli1beciligiDall:lJSlof1be"""""'IIen(s). JiIl:IudIng llID5and ~aodhmdling""""","' . _Nopaymenl111illbemt1tl8onanydaimlbathot .. ....., indle_requitfdl1ydle_ ;. YOUJllll5l...,.. aIlrecpll!Sll!ddoM--"'''''wilhin60dalS&an the dale of Oa:unmce. 4. Far_claims, lOUrIJllfberequil8l..SElJdin theclamqedJlllllbx%atJOllf _filriultberevoJuadgo of your cIaIm.. _lf~)VUmart_;ndledamagedpnxludlllilllin JOfhFfrum *dmeofrequert.. . .. o\DDmOK.~ INFOR.\tA1101' FOR YO\; .,. 'lbe_~J!Dder1be 8uJl!r's,A<sur.ai:ePlmapplycxily"lOUand alldiIlooaIC~OIIJl111f~OoIyJllUaiJd-_"""'rrq IepI or equIliIile light, """'Ir.ariJiJjJD .. iJJsur.JJJlz pmaels mIIar damages underar~ &an the 8uJl!r'sAsslllOnoe Plan. IIl>;mkrup!cyof1belll3lllJf:l:Jurar~~pal'l\arrrqQ1ber""" oa:lJD_eods"'l'~~!>ralqorllu)W.As1ur:mcl_ ~in eIlect,the8uJl!r'sMiur.mcePlm1!lll~ilp.pI1l9ide_aa:onliJ!gto the..... of the Pbn,IlDl"emmOrie#fi<im thew.. Of_...... uPon receiplof[iioofmiin 1beCa1llnlembet:ili 1be'lIlllDOf.pubIic_ar otheroffida1dnr'trrN>nMtinuOfsucb~ ' The 1Iu)W.As1ur:mcl Plan ~ ~ by M!EX.Isgum:e Company ("Insurer'"),~OIIice,ilrtJenBallWio:ooslo.1bisdtx:ument- cinly..'.di!Sl:tiPti~;OI""""'Fand;lsllDla:pOlicyor_ofillillllDli#ltie " actual_CllIiijitI$SllIliloiriusloalofI'olll:tA1ll95;(.~~the '8uJl!r'sA\slllZ1iZM 11iiiPollqbli;;bem~..Ameliian Exp... 'lbl.eI __ Cclmpanj;lnc. ("~'!lipn!Is"), thePll1k!bo1det 1bis dtx:ument iopJaais'aIlesislingprior!li!5alpllOasof ~:foi.the Buyeti As1ur:mcl Plan. ,... f---'9 e..z; #~ -J.Clak,- llmolhyMeehan.5Ec!mtf M!EX AsSuiance Company M!EX.Isgum:e Company 6717-11-97 2198 I. For tixMe eIigibk and enrolled in MemiJenbip Reumrds. die enIite corJ oj . awered . iJJSobe purr:/J!lr;ed Ibrougb retIemptkm oj. Mi"JxiJ;:::1Jf~an/fiazte. 2. Di!iit7lllllJf;jilyiD'Ifer11for1iSlti2re:d111Jnts. 3. kirQtIfB;bI8l11iii enroIledin M...J.ut~ lIsJxJttk, ptZymSIt or ariditriilli.e>>:ttIddleiJr{g;niil'~"ojlbBpermnalproperty .-!lId Ibrougb retIemptkm of .J(imJM~ R_,retIemptkm Cer/ijiail8uplo iiJe_-...trtt:IiiiIing t=randsblppingand hant4ing expenses. 4. Impor1tm/-far tixMe enrolled in Membenbip l14uIardt:A Membenbip Reumrds ~ ce{tifiri1t8. 'l'Il onIy!;e rwIeenitd I1y eligible Gl..i!.ilil;l~ &n6ji/$.1JJI(J7IlII!;epi1lJ!ri1ben.Membenbip_ . itJ!.!i/}Iitm.CI1rliJiirMJJlIS been /1lmIiji!miI1o nt>tHIIgibI8 Cardm8nth<n 11IIIfIOr~ 5. Doet7llll11{JJJ/yIoiNowIlri.$IQIe_ . 6:Doet"""'dJi/Ji1IoNowIlri~1'lllllIeiIIr. 7. ForIiJiJsil~ai1dlliltoJlgJinM", J6el~l/iitJJIpTJI1.ptZymSIt~ aridit111ill'7llll~iIJoaripiIJIl1S8fiiJlid",*" ojdlepermnal property ret:eitJtYJ.IbrotIgb.Aio,;-.j\ '~(((lJl~Jh1.14-R8I#f'JtrJs...4..4S..p Cer/ijiail8up 10 dlestoiid -..filtdtidilgt=r andsblpping and hant4ing ....... AMmuCAN ExPBEss CAImMEMBEll CAB. RmiTAL Loss AND DAMAGE INSlJRANCE PLAN DESCRlPTIO:-< OF ClWERAI;E Car_I.ossand~_provIlIes1beCal\lmfsnhe<~the c..dw..Alel is 1be "Prima1y _, (as deDnoI below) with_ _foidam>&e..orJll!!tof....__wbeo1beCa1llnlembet"'" 9 ..... I ~ ~~--_iilIiii.llil!illilf=';" - fu*..k-""",-""-",-",-",-,,,,'III<J<oIf.-<;."-i6-i' the CallI (..dosaibedbelow)lOcbarp aiJd pay foian """ Jl!DlaI from rrq Commeld:II Car _ Company (_tompany'") other1hao _ ioc:Ilel in -.Iia, ImIaad, /sJ:leI, 1IIIJjlliD:!ica. and New ZeaIaad.' In 1be llniI<d -'1Is"'-'pasl\5SiDnSaDIlQDadalbis_~EXCESSiDsm:ax:e. llJis"""""'isalioEXCESSiDIllIlali:ofilr_us.r.................... billingaddnissis_theUS.,i1s._and(lOSSOSlklnsaod1be""" Jl!DlaIis1VllbiJ!1be.....alllIIIIf..1beirbillingaddress. .' IXlIO IS ELIGIBLE FOR COVERAGE l\lu...eIigilllei1f~~)llII...aus.l'mooaI. GoId,_PIusGoId r""'"'elri....~...,. You....us.Poaao:d,GoId,_PIus GoId~~(1lJllU...lin~~_arNldiliooal Ca1daImIIO!'mlal'eaaaal. GaId, _ Plus Gold CallI (nIemsI.... the "CaRl") islslbOlitlJOllf......aDIlW ,.,..CanI_isbill8lfrom .U.s. opemIingciliter in us. dIlllm. A l'eIslmI;GoIdOt _ PlusGqld ,,............. is _" an 3XIllIlIsI.,..,coUege, UIIilI!III\forpllduaDo5d>col in the u__ aod~ l8lOlriIlg~biiodlIpPidOI.. .benelitOfCa.d.....I<"uip ~ 001 eligiblelilrbelJefilsUllllerlbis~. .. l\lu...~IeIilr_under.1be.poJiq,~lOU....ridelity _ Elpress"Cald.rldeil!l'~~GoIeCald;u.s.DeIta~ r~GoIdIlellaSkylflles"CalIIiIJembeJ;_IleIta~ Ca1tImeIiIbel:pPIin!lt"Pi:JlinonD~~llIuellull!""""""E:spJm. ~~~~ltamAmerii:anEsPRis, 1be_ !:Jp.....clolf~~.~_Qedilr............. fromAa8!caiiE:qlresS,.~.~..Cred;(CallIor...OpIIma" Canlmemberof.. """""......and a...lbat ~plOVided Car _ I.oss and 1l:Image~".'bi!Defi\:!!l1ljlll!lllr~*"'ip(~'"). You....U.s.DeltaSkjto1lleS"~GoIdIlella~,.........'"" PIa1lmm1Ile1laSkjMiles"~OpJilDa"Pi:JlinonDCaidmemIler, _~.Credit~lluII!~E:spJm.1be_ Elpress"c;oIfCal\lmfsnhe<~CaidmemIler, HillOll Credit C2IIImemiIer .' from_~or...QpiIJira~~ifan__and a... 11(1) aD ~"Citcioiliiiilt'~.. Credit CaDi (1be "Cald'") ~ i>1!JeiIhlJllUf"""",(2)joJ1"""'~'!l!1.desaIpI!ol1Of....."in OlIlj1mdIonwithJllUf_Canl._aod (3lJllUfCanl_isbi1181 from .U.s.OpelaIIng Ce!Iier In us. doIIIn. 1bjo PolIq ""'" 0pIima" ea.~mdAmericm~c..dwowb...ooIyOf__ _aodc:laoes. "f""""".,.w Car _ Company'".or~_ Company'" means rrq ~arJl!Dlal_1I'hIQl'1"\"llfD1alAulllS.'Farthep_oI lhis1leiCliPllm Of <'.oYel3&e, CQJimJen:ial Car_ Company means "-~... HO,,"TO ACTlnTE CO\.ERAGE ~forJll!!tOfordamage"'_AuID ~_wbeo theCaidnlember:' 1. presenlS his ar berellgible CallI.. the _ Company to...... the_ AntO. by making ......VmlOni ar by pbdiJg. hold ar deposit at the lime the _AulD iscbeckedoul; 2. dedinIs thefullCollisioo Damage _or $DiIaropliOD (CIlW), or pays foi. paIlia1Gl11;slO1Ldam>&ewoiwl; oBmd by the - Companr. 3. ~theprimalY_Vlhicbis_as'theCanlmembo;.isIllDll<dOllthe ... .......withthe_IJompony..1bepelSOll ming and l>kiog OlIIIIOlandpossesslooOfthe_AulDt"PrimalyRellel");and 4. "'" the CallI" payfoithe_.... reoIalltom the _ Company" the 1ime0f_1I!IIllII. c-age._in elIEctwbile 1beCanlmemi>er remains. in lOIIIlO1 and . ...OftliiRiQ\ll1.Ar........hoi.~JlItisiaIIy~and ~""""':'~$RoiiW~~;he~_~bOisbe~1be . Caldmeinberoi>leimginlllthe._~ _~111iIl7lllli!'paitff, "'! /6B.t!aleoflo&forOll dledtJlol/daim jiIiIig. '"",iimmmitlui""i';ud1i/?~.~c,;a_irrmptJid p!J(JfhForJlOfS'.!mri;onH:j1irsiClssdirCtmsltil#i' . .', WIIE:-< Ctl\'EIlA(;ETElUU:;'\U> . '. co ~filrJll!!tofordamage"dJe_AliJD_wIm " 1be1llolsl1loolpany.......a!l\IRlI'of1be_AUID,or30._ daIS allor 1be IleDlil'AuID was cbo:IBloor. lIbiIMo!r is euIIer._ ..:: ...., " 1bePollqisClllXlO!led. . LE;'o;(iTIf OF (:O\OF.RA(iE : . Car_I.$UIIll~~""""elIgibIe---- 1lDlIer.... Jl!DlaI.......ltom._ Companylilr...... dim 30 -daIS- _lnnoantsbtJII_befJ1Wk!edUJileniiJeGl...l . rber.-. lImItJI_beytnuJ30_fhFfromdle_lImItJI~ ,,:,,," ,,,,,_.,I>::j,;",~',_:.,,, ,"t'~ ;',',-, ,;',;,.", " '., . ;";,t:.., ,:;:;~;1;",;<kt'-lI;~~'jlliliihl:litjiilf;l~1~i!:\ii'!JiIffi;~!!1~~~:01,!&;~'JJl'ji.~';o'n!'~""<>==""~~~--'- ~oftl1/JtlhertbefJrigin4lagnemenJif-.led."""""- - ~ifenkmJinfD.""--;'''''''';' ~no_wiII~pn>ridol"lbePrimary__a _.IuIolor_Iban30~llaysout<ia-lSdaypelkd_lbe ....~~05lfile~). W!lAT"S COVERED Car_lll6Sand!loDlall!_reimb_ar-mrP"lfll'll~ lor damage ID or dIdt, oIalll:l!td _1lIaIlbe CaIdrnemb!r is lOjlIired ID make, up 10 lbo....1i: I) lbe~ cat ID tq>airlbe__ o(2) lbe P\II>lishilBaok_or,ifnotar.jlahle.lbepun:hase-pril:e<ilbe _"""""",,,"""&eml~-,o(3)&irm:ui2tC!llllDleldal _ oI,lbe B$!~ 'I!le,"""'''' JeilIIbomes lbeCaldrnemb!r lor ~~(1ba~~atlbecbest&dlily1llal...usual and~inlbericiliilr:inobich IbeJco; orclisablemem llloI:plaao) impoIol by lbelll:l!td ~ lUdlas 1\llriIIg...... Jco; <i use (Jco;<iuse 1IlOIIIS_,Jco;oI~lO.~CarRemai~.... 3l!diliorlS1_oI~I#ID<fsetIbisIoss.Reasllllableand""""""'Y cbaJgesare ~~""'by""'""",~suppollilIg...oluselUdlasby Beet utiIi2alIooIilgs;!als olusedOesJlOlillclude CammeIdaI Car_ CoIilpany_.&ies),\!bichlbeRemaiColilpany....Jdnotba1t impoIol bodthe CmiuIemIlerlllX!pll!di~IuiI CDW; orpartial_ damagewabU. ' CarRenlallll6Saod.llaIIIl!F~~..alberl!P"olIoss.For """"PIe.mlbe~olacollisiOolnvolvill&ther..~Remai .IuIo,damage lOiny.dtMrl carOl: the Injury ol2lll""'oratlJlhin& booC~ . ! . . Nooe: 11Jispo/i<y ei1crf1<J/ jJrI1IIitIe IiiJbiHJy ~fr Unintunti M%risJs; bentrjia tmtfer fI1rJ _ Com{JenstlIion law, IllozbiBIy bent- ftb1aworotber~_Pf<= WHAT EXCESS COVERAGE MEANS CarRelllajlll6S!"'l!lalllaf'~is..EXC;S;__plan.1bis ',""",llIaIlbis__'OlJlreimbul>eIbeCmimelDboroolylor _........ ~by pIaos, 5Iltl1 as, the Remai Campail1S Collisioa !laIIIaf'_orsimiloro,llioa (CDVI).orpartial_damage_any peliooalaom~empIorer'saom,iDsliIana!or_planor aIber...... ol.........1fi>l!n dlese alberplms app~ a CaIdrnemb!r IIl1ISt Iim"'JlI'1IIl'Illor~:md~''''''''''-_onthe sr3ffd ""'" allUdlalber!'lam, 1lIaI anylUdl!'laos do DOt provide_ before Ibis EXC;S;_wiII reimbmse the Canimeml<t TheEXC;S;lealwedOesJlOlJ(lpiylDaomreolalsoulSide Ibe U*Stltes. ill IelriID!ies, JlOI'l!S5iOIlS and Cao>d:I, _,.. are a Us. CaIdrnemb!r_ billingaddl<sisoulSideIbeUs..iIS_and~mllbe_ lelllaIiswithinthe....lllllIlIl)'asjOOfbillloglllldrelt.iIooeI<l;lbis_ isolways_of_or_ofdamageproridolbylbeRemai CoIilpany. and ID any Poliq (l'\l\ll:ies) lbe Canimeml<t is _UlKIer1llal prooidesimilar""'""'ll'-No_ismiJabJelor_AuID5reolEdin AuslraIJa, IJeI:md. !slaeI.l~]amaica. mI New z.aJand.' VEHIClES NOT COVERED CatRenlallll6SandDamqe_dOesnot""",reotllsol: . ""P'"'foe_\!bichmeans=WilluDoriginallItlllllfaamel',suggesiEd rel:lilpriceol $50,11OO or""""wbennew; . emIlc=regaoIIessolje3for.indIldIngbulnotJimiJEdIDCbe9rolet eo.-. TO)'lIaSupla,MaIl1dX-7.iJod&eVIJl'fandSleallh.1'Iymouth ProwIer.,MIlsubisb!~OIl(MmlfisSaD3(llZil,J_]JS./oOJr:lNSX.- Sl., SlK, S Coupe:md !"5llI~andColoertible, BMVIM3,Z3 ml8 Series.CadiIIac.lllanteaod.!lll'om:be, -.Wborgbini.-' A<nnMarlln, lOOJs, ,BupllI;Il<Iol;: SlIeIby Cllbra, IieIlIIey. Rolls ~ . lrudo,pil;t-ups,caI'IP....."""""- . fuikiad_~\Jol~\bIliI!dil,FaolfmollliDe"amV/1pl,a..r I'm or~ GMC'l<!QduciandRil!j\llodF Ram YmsmlRam \\Tap: . ....\!bich,...tioin~orlDOdified&omthelItlllllfaamel', ~,~m~m~b~~~lorthe~- ally~ . 9IiIldesusedforhileorC!llllDleldal(llll!1llSOS: . mini.....usedfor.......-+.dbile: Nooe:.!llilIII&E~()/dCIqJ_'lmts) fJIiIh/tJt:1Dry!fJ<<ljitd lI1I1i1Ig.<tl/IiIiIIyof8J1flS111/11nar.1IIIt, indrJdinKbultrJJtlimilldlD,.!l:ldso ""-',PIymout6Ifl:1o!11r, IlmI~and - Qo<st,.,.- lI1benfllltl8tifr[Jenl1lfl1lorbttsinets...onIy. . anliqUe _ \!bich......= 1lIaI...:>n)'l'llS old or ba1t DIllbo!n...... i'aI:lm\!II for 10 or.... yeaa; . limousines; . IiIIl si18IlpOSl ulilily~ incIudintbulnotlimiled In, Cbe>mletIGMC SubmlI:m, Taboo and YuIom,.FordE:qlolilioo.lJnaJIn Nai_ '!lljaa lmlC<uiser.lmIsllt4SO, ila!>fl~or_FonIilroool; . ~-iebidoswbeo_'oIf~;and Nooe:CotI!/JtId~IIf/Iid!t,.~bulnol_ID,FtIrd 81{IIt-.JttPI1nInd~"'~ 1/1)fJ/lIFQur l1tmtw; C1JemJIdJJlll7lrandliJm<1IuqIerandRodto.,.a>mdIl1ben_"" )XJtJtdffJJ1lis. . otHood9lilldes,........,do.,lIIOpOls.lllCll!>lilllla-.~orlllOODr- imlC3llS,c:ampeIS, Ir.IiIeIS andany_lUUde_islllllaRenlal_. LOSSES NOT COVERED Cat _ lll6S and Ilamqe _dOes JIOl ""'" losos CIIJllSl byor 0XIlrihall!d1Dby: . """""'"oIlbe__in_rJlbe.....andCXlOditicmsrJlbe RenlaI <'.olnt*lY...-(ini:ludInc-\lUtDllllimiled 1D lososo:aDling wbea:apel'oluIOI",ID~lbelUUdepulSUllDl1D ....ofllle lEOl:al>gl8!lllOlllwasinJlll"">i<lDor_ollbelebicle:m;dminglbe lUUde_ollbelllllbolimllelllal1erli1Dly); . ltadormmi I ......I'Itbides;. . _alllibuIedlDther_a1Cat_Campail1SlIOIlII>l""""ol doing business; . inll!nliooOl damage: . llIeg,1ladiYl'f,lUdl...""""......lbeRenlal.lulowasused~orilmllwd in,llIeg,1laclitilrorfe/m!r. . p..-ngalllliilloos,damllileordefed; . beingUlKlerlbeinBuelxloof_ordlUgs; . warormililaryllCllritj; . radiaa::tivitr. . i'I'ln~~hyambority; . we;ar,aod leal; mdudinggradual n.. :'H"';'I(1; . ....._isdueml....-ID~JllOdlani<aloreloalica1 im:Illloonori'ailure_lUdldamagel<Sl1ils&omalhfll~by the~, ' . lbeflolordamagelD....(BalsorbIooouls)._danJagedbylire,maIi- dllIls misdlieI, vandalism. or SIDleo, llII!es lbe ks is coinddenl wllh and &omthe....c:wseasolller ksCOYelO<l by the Poliq; mI . oIf-lOlllioper.llionrithevehide. Car _lll6S andDamagaJnsurao::edoes Illll~ mlbeoefilswilllllllbe paid for . .... ras:_1Dtq>airofdamages, _ ~ofludl....ras: is required by law; . damagelDany)'Oilide_lbantheRenlalAulD; . damagelDanyP"'l""l'alberlbanlbeRenlal_.""""',_or items DOtpennaoenJly wcbed ID lbe RenlaIAulD; . lbelnjwyrJ"""""orlllljtbln" . _assumol,wahedorpaidiorby1heRemaiColilpanyorils_ . _,"""""bythe~..peliooalaom_emp.or emplojer's_orlllllbolimldmer"_ . _addodlaXorsimilar....llIlles.,;m~-tollUdllaXisrequired bylaw; . anyRenlal_usedlorhileorll<llllllSeldaiJllllllll"S;mI . ~llIlles_tlordepm:ialionisrequiredbylaw. HO"'.TO FILE<\. CULM A Ca\lIlnember,1DUSl1l!lliiy lbe Car ReIIIaj lll6S and Damqe Claims UlIilloll free at8lJll..3l8.167Din lbeUS.onlyorcall~&omalberIocatioos worldwide.within18blmsoras5llllllas~pclI&il1Iofi>llooingaloss. A.~~wiII_mr~af......,..m"",ba1tandwill seod 1her","-,lwaclaimlorm'if/himllDdl<llls. ComplelIandsign the claim..... WIillm[llllllfofJoo, ~~lbeclaimilllnandalI_'" requesIlll"""...........,(lisIEdbelolV),_be~withinlio. ' BlIIooin& thedlleollbed:nnatleor1beltby:AQlOlicInElqllllSSCar RenlaI lll6S andIlamqeOain!s U!dI. .....UlIiIIdl'lllalldalAdjusling~ PO I!or ' 947Z9. ee..land, Obio 44101-4729.lf1he[llllllfolJco; and_documoota- liooislllll-...lwithinliollaysofthe....<i...._""'bellenied. ,. , '1\ r ~ "" 10 , . ",,-,;. .' -:-,:.. ,o;ili' !iti~ ~il" _. I, c , '. .~. ._~:;.., .~ f ,. .'".-. ~~~'-'''''''''''"' 0_ liIi~u . -- ~._. "-=I~~'=-"" " JUlllIlIIlIID. _OHM.lY CONSIST 01\ 1IllI' l'I NOT uMmlDTO: . . ilUrslgnedandClllllpleleldalmimn: . aoillomizedlOpOitbill: . .copyof"'""'sllplbrdle......ofdleRenIlllAnlD,RentalAutD_ orllllldlini~1OIlllpl1O:sII/Jw...w W3S cbaIFlml paidlbrlrilh aoAmeridiDEIpleIsC3R!: . . . pol;;"'l'oll (if ippIicabJe); 'pbo/IlSof1be~wbll:le,lflY3illble; . .copyoldlec.j~'~~dm<r'soremplo)o:r'saulll_ OlIIiIlgo,or.llllliItIIlI_lIaIIO&noillslJlaoo!; . .copyofalldalm~aod....... ..I.....pmvldoIbydleCar RentalC<II\IpaIIj; . . copyof die Rental Companft m;JIzallon lor; . .copyofdle dmor'sllQi!leofdle CailImember aodiorl!ll1hori2oddmel; unless dledmor's Jia!!io!OiImIletIboos on die...... ~ . .copyofihe~.......~lrootaodbad<._documelds wfl<n1f1e RentalAutDW3SdJB:tedOlllml_m: and . inMnn.liMpeIIlIiniDglOoihera...iilaJHe_~s). Can!memhirlllOpelallonwll!>islUesrel:lll!lllO lhelrbeoflils is requhel.1f all requi1!d~JSoia~_l3ldlllSofdledaleofloss (",.,.ptIi>i.....~oIiiihbasOOl!been_lbrreasoosbejond If1e Call1IIiemIie(sCOOllOll,''''''''&ellllYbO~ . HOWBENErnsAllE fAID ~! AIlCarIlegla! los1and~ """""",,paymenlS ....~_h1..underlf1e poIfcy...Jll1OI>IeIO.dler~;ej;i:.pttbalJlllllll'll\maybemade.311f1e ~oId1e,"""",jpIDlly,iQdler~aodIf1eCommen:ialCar RentalCoIpiy~~!lit~I.lflJmpany bas 00l been reimbwsedlbr If1e , 0).!I"p...or.~orihe~bas00l1liidlyassignedbJSlher p'flllelllsloIf1eRentalColpiyor,3liyOlherpallY. . RIGIITS OF REC~ lndle'!1'rilol'\lllIll'lllonClel:1bisPollcy,Jbe lnsurerisentitledlDan 1he dgIilsol~IbjIt1he~"whomJllllll'lllW3Smade.1ias ~imoiI1iiii'llilil'~III1!'lSipaod_ID1helnsurerany iegDlpapelSreIatiogID1Iiililiirie<y,iIoWbaleverelseis"""""l'lOhe!p 1helnsurer~_.aodilotiOlbingal1erIossIDb:um1he Inswets. When..Catdmemberor~ Car Rental Company bas been paid cIaloa!!s under PoIi<rNllc,llll)9Z5, and.,,", """",from anotbel; 1he amount IeClJI'liilidfrom 1he illI>lr~liihddbytbal CaIlImemberorCommen:ial Car Rental ~io IiusiIbr1helnsurer aod niImhimoi ID 1heextent oI1he Inswetsp:ijllienlo -'. . .!-S.Q!IIdIlipa Jl!'ll!denllll~ JbeCaillmember is recjmred, and bas . dulj; lIlffi!lYolop!,.ditl1~~iD anyil1l'eslig3liom submg3lion "1"""<!!..~~.,"~.alpies.olanyaodaniegDl_and any and an ~ ;Dc:Inillrig'I"OfllSl3limellls and collllibuting any other papelSanddocumeldslO reoloD3blyassistio 1hedispcmliooof1heiegDl EIl3lIet ADDmONALIM'ORMi\.ilONFOa YOU 1his~1s uQderoriiliii by AMEX^"'"""" Company ('1Ilsmer") tbmugh _PoIicy.!lfll925 (1he'l'oIii:f) issuedIDAmeridiDEIpleIsTmel RelseedSemosCompany.lnc. andilsp3llidp3lingsubsidimies, _ and __ TbePolicymaybecllangedor~ 1his~oI~1san.importmldocumelll. Please keep kio. S31eplal:e.~lhoilgbkdi!saib<s1hep""1lllonnof_"it_311he tiDieolptioliog.tbis~isOOllbePolicyor_ofinsurance. Tbe belIefiIS<!eiciibiilintbis~"'sUbjel:llOanoflbe..leIlllS,OJIllIitions aod~Of If1ePoillfisiufd by1i>l Udder:mtet!his documelll. repl3ces any priorDesaiplioo oIeo..rage under1hePolicy_ may have been' lumishedlll1he_ho. ~9'U ~414 -J. Clak, I'1eSident limoIby Meebao, SeaeImy AMEI.\sSIIl....CoIpiy AllEXAlsuI3i<o Company 66".11-97 9199 1. ForlbaiselfslfJls4lJdettrt1l/fidinMemben/Jfp /IIJJldI!fs. faMemben/Jfp _JoeiJtfnpIItmr:er/ifil!Dteis__isJ11Witledunlylo l/iJnfIil_retrItrtIinlilflltdkdSllilar. 1. __;"-'1 \' -.;wilbaJ!Bmj dJlp_redemption ~1iIfJ>.." r"'oliiil/iJnflilO/tnptltdllS..._IoHtrfz, NaIiontJ/andBuliget. ~,"I"j -.- ,~ ........."i,'j;.~~>{_"b~'.~":.@-",.Irn,i 3. iflliigibllandemolled inJ/eMh ..Ii'R"""'*. _isalso_ td_lilfiAJ. _(1)"......aMemh...-#~",."". """ arlijit:tI/II and (2)- a."em/; -# Rewanit redemption criji- _ata ]11>0' . .j -' " 0>mme1rial fAr l/iJnfIil CoinJloI!l< /mpotIant_ frlbaisemolIed;"JIemJ; -#~AMinlb.-.JJip_ ,1.' .<1Il1iJits!1lamunly""~liyfl14ibl8a...J...mrba-s. Belfljilrlli11l1dbepaliJ_ aJl<.t!.'..!j> ~iotJempIioncrift- ctI/e!Ja.rblt:nb'#.Ii{i.,,J1IJ non JIIsibi!t~d..ldhIbenatllllarntm- a..J J kwr. 4. Doer 7ItII appIJ 10 IVettlIIri Stale rrsir/mJr. 5..;r~ ~'Ii::'::'~'~~:~=is't::;t;-.;;;~ l/iJnfIil_""""intbelltdkd_ '. OO"~"$200"""~"'r . . . __ :;;1 . ,00_0_ ~i;,f'",,:,;~~ .-....,..,""'~~~:._._,.,... "'-',-,"---",. .,,~~.,._.. ~~~Q!~~..jf4~k~~J1~~~)'" DESOUPIION OF COVEIlAGE eo.....! Pezsoas. A _sbaIl be.eo..ed Petsoo under die _ _GtoupPolicyAllD948 ("1bePollcy'") oolyil: lbeorsbeis: ~ For noo.ooo 0lIIiIlg0,' Basic or h!dItiooaI Caldmember-.bo bas eiJher .PeIsollalc.d. PeIsollal Choico c.d.1loI\l Can!: Optima' ~FideIlly_EJpieS'c.d.lJdeIityAmeridiD E>pleIs"GoIdc.d..._I!lIp..... QedIt~lleIl3.SkyMiIes" Can!, GoIdDellaSkyMiJes" c.d. PIatin"", IleiIaSltyMlles" Can!, Opiima." Gold c.d.QptlDmo Cash Rebale Can!. Qpliloa' Can!, Optima' PIatimon 0Iid. SlIil3llm Sl3lpOiDIs" CtI\lIl c.d. !IiIJon Caol from AmeridiDI!1p1ess; _EJpieS' GoIfc.d. EasyMIIes. c.d. su,e.s _c.d.IloSl\l2leCanl. Oplima~Cash'R.iI>ale Can!, Optim" P_ Cash Rebale Card, Neo:~1Ilid<s OptIma" Caol from_ EJpieS',NewYodtIlaoll'lSCIalIJiom- E1pIeso, aodThe~aIIooaiMui1li>le~Canl:ColporaleCan!, GoIdColporaleCan!.~.~Can!.andDellaSkyMiles" ColporaleQedltCaolIbrSa\:lll!loJslnea~GoIdCorporall! OptimaOCan!.ColporaleOpllma"_CaolIbrSa\:lllBusine:ll """""'.aodOptiDie"CaolorTbe_~_codor , sbeexll!llded,~t'":""""tdl'eledin COIIjOO<!lonlrilh any oCsbe inegolnt.issued by.imerican EIpleIs JmeI Rd3lI!d_ Company.lnc.oril!p3Ilidp3Iingsubsiclla1ies('_Elq>>ess") iohisorlierli3mi!:~CiJ:d'.Ii:l:oUi>I,1lolsiDeas1l:oel- and 1heexll!llded paymeot _ oifeBI.io Qll1junclion lrilh anyol1he foll!gOiogjs!uol by _E1pIes or ilsp3llidp3ling _ io his orlierllllllle:Colporale c.d. Em:uII1e Corporall! Can!, 1leaouer'sc.d.andBusioeSs1l:oelAo:oomlis1uedbypartid- paIiog~ofAmeslc3i1I!1qHesswfl<nbiIledoolSlde1heu.s. io"""""'Yotherli!aoQ.s.doU3Isinhisorlier...... b. For$250.000_.Basicor,Additioo3lc~-.bobas. . _PIusGoldCaolissuedby_EIpleIs1l:oelRelseed SemosCompany,lnc.orilsp;Utldpating_('_. EspIos>")iohisorliername:or . .. o For Ssoo.ooo 0lIIiIlg0, a Basic or Additioo3l Cat1lmember obo bas . _ Canl",fldeIl1y AmeridiD EIpleIs_' CaolorSmail Busine:lIColporalePlatimonCanl" issuedby_Expiess1iasel.- / ReladServices~Inc.orilsr.1I ~!i~,.',gsubsfdialifs..~ . ....... ('AmeridiDEspIos>")lnhisorlierlllllllll"U_Canl"_;~ . ~or . d. TIle spouse or dependau chiIdooder... 23 or any eligible I""'" _in(31,(b)or(c)aboo!;aod lbisorber_EIpleIsClall'-bllIedio1heUoilEd_io . U.s.dallars. .. ., DEFINI110NS AND SCOPE OF COVERAGE .h:ddeDl"............... used. in. 1hfs..'FoI!t:r. means. ...."'-""'.... __wbidl' """" lnimY'and sb3!l iIs!i Iochideflposme ies1lIlIi!Iit.,.. . misbap 00 . a Qlmmoa'Carllet Coa;ey3Dal in lIbiil11he 0lgeIeci'Feosoa is IrlDeiIo& . "_EIpleIsCaol"sbaIl_ 1 For noo.ooo-.,Jlle.FeIsiJpal.c.d. ~Cloll:e c.d. Gold. C3D!;OplfIlla"Caolai:oarils,EkleDIyAmeridiD.E>pleIs"c.d.fIdoIIll' .., .. . ....-.. 11 . . .. .. ... .- . '--...- -::::-:':'-:.7~'":..- ':.,- .' '..:..=.-::" "'_J,.l'L"Ji",'::i';;:'!',,{,,;;;!>lI~.j .. "=JiIJill!!;_lIilUt!ti.~~~"'ti'lo;!a~~~'M'il!i!l!I'iI!;l~J<.ilill .....- """"",- , hDeli!;m~ GoldC:ml.or,Aml!s:icIl1,~ Q&!ilCaal,~ ~"Q&!ilCaal,,,*Ile!l:L~Cletit.CaId__ DeIIlISkyJ.llles"C:mI. OpIiqIa~GoId~9J>l!ma" Casbllfi>ale Caal, 0plillm"c.m.0pdma," ~Ca\jI.~SC2lpoiaI$" Q&!ilc.m. " AInellI:allElpn$"GoiI,C:mI.I!<!Sy~Caal,~-Caal,Best llaIBeam,Oplillm"C1Ih~C#,QpljIDa' -Caohllfi>ale Caal,NoIi''I'orltIiiicisCa!i\i1>n~F.>jms''.!IeIr'lOdtR3ngfJs Cml./.ulIliCm~.lII1Il~~IiIlIlipIeSdemiis Soci<!yCald: emp;..a.Caal, 1Jo!d,~eam,-lllIpoI2le c..lml~~~~CaldlilrSmall_ ~.Gold~~~m1~~_ CaIil...SlIIaIlBu;llll!ss~p\~Caal,/moIIll,_ Tr.Olll.a.un!,aOd ibeexli.llde<ll!llD!mt~oITeroIiaCllllj1mdiai '1lith""fiibe~issUedbyAalman~orils"_ Expnsc..l" sbaII~mom!h!o,CoIpor.1Iec..t,-CoIpor.1Ie C:mI.~sQlDl,3id~...,...,.."ismoll!7~ "AiIlerlcoD~,Cald':sbaII;olso.lbo~C:mI._ CotponloCaal,~COlII,~~\wsillas~~~by ~~ofAln!o1=Expnswhen billedOUllideIlieU,S, in amtrq O1bertbmU,S,<IaIIals. l.For$Z1O,ooo~Beo;mlPlus~Caal, lIlld lbo~ paymiil\t_OilerediaO:1I1jlll"lioilwllblbo~_by -Exprels. , 3.For$5OO,000_PIaIimm1Cani".,I'IdeII1!'AmerianEzpreoo" , _ Cal1l, or tile Small /ltJSiJlI5s COlpoj>Jl!,PIatiaum CMl':md lbo _jllIl'lIleIll__incOnj_wilblbof<m!glliag. _by_EIprels. I ' "Common Canier~"...... an ~ landor_lI!i!icIe (clIher than ,tenl3!..mc;,) operaI8l by ,_ ~ _ roany _lilrbire. A1rlplsa~Trip"1f: 1. itlsa!riplllllin bylboCom1!dPemo _lbopololridepalture :md lbotinai destiaalion..shoom 00 lbeCom1!d _ tkStl: mI l.lbo Com1!d 1\mQ~ !are lilr such !rip bas been actuaI1y cbazged ro a spo:ilic _1!J:p....Calllao::ountpriorro""lnjwy. , "1ojarJ" ...... bodily iajlll'f- 1. Is caused by an_which oo:wswjWe lbe Cowered Person', _isiJIfim:ewrlertb!l'oIiq;:md l.l1!SUilsiaLossimllJedbytllel'oliq;:md 3.aelllesa Loss duo, dil!CIiy:md in~tlyol all 01bercwses, "suchao::i- denl3! bodily injwy. "SchednledAiriine"...... an airiinelisl8l ialbe Ofti<i4IArine GtMewhich iscl<her: 1. riUIlilEd _ regIsl1y:md COl1llied bylbe UIlilEd s_ pemmeot.. any _ 00' regularlyltholuled basis; or l.oIlmeignreglsl1ylllldapplll\l!dby.lboUnilol_ ~:mdlbo applllpria/EloreignaulhorilY, m~:\EFrf '....\~Or::'\lS Ar. benefit of a..d,_,.....~,1iIe Ctme1ed l'ersDn will reaiuo. benefit I8ueJ oftlOO,OOO. $25~,OOOor $5QJ,OOO;oJ.pertriinganlile typeofea..t _tadto"""B<IiIe_OzrrlerOmveyancejimjiJrlile Ctme1edll'fl. P'.eas8. to bc1b 1iIe'C0wr'e4 Persons """"" and IiIe ~,~Oml dIjin/Iion, utlf/erIileDt1jillJdqrlsS8Cilon, of tbis~of~TfYOU"'$IiIl_UJbatbenefitl8ueJaf _11/1fIIiiIr to your Nnetit:II1l f!x/1tm Omi, IN- amIIJd IiIe CustomerServia CenJerto/l.fret__an IileWafyourOmi, aIsosbaam anyourea..tsloJemmt. TtmIsrRr~ LossafLii! ~ Lossofbalbbandsorbadtfoel 1100,000 Loss of lIIIe blIlld mI lIIIe faat $100,000 Loss of_sigIIIofbadt.,., $100,000 Lossof_sigIIIaf.....,. :md lIIIe blIlld or.... mat $10!l,Il00 $250.000 $500,000 Loss of .... band or lIIIe Iaat $50,000 $125.000 $25O,O1l1) Lossaf _slgbtaf.....,. , $so.ooo $l25,ooo l2so.ooo "Loss" as used ~ with......... to band or mat means CllIIIpIele:md JlOIlII'I"'ll_lImlugb,ar1lbo!ol dI!l1llillCl!'aaIde jaiDt, mlas used '1lith.........,.......!be~la1saflbo_slgbtrisuch"" $100,000 $250.000 $500,000 $250,000 $250,000 $250,000 ; $500,000 $~ $500,000 S100.0no ~ $.:!:=iU.ooo - $~)O.lJUU :dAXlMUM INDE.\4\m' PER (:~NER.ED PERSON 1'fea<I_lJJ4ttiJb~ i1#"..4/DtJD/tJ6G ID Iilebeoljitl8ueJof ___prtJiJiI/IdIllilbIileCatrlad:1Junttadto"""B<liIe_ Ozrrler O1nt1tyanajim jiJr 1iIe(lJvenJ'iI'ip. (you an_UJbat beoljit I8ueJ of OJfJfIrage appIicrto your.lmeriran f!x/1tm Omi, p/alse amIIJdJbe~ServiaCenJer IaJI.free __an lilebad of your Omi, also sbaam an your' ea..t-. In '" aeIIl,wjlIlIIlliliple/.ullliCm ~ CanlsabJigaa! lbo Campauy.. pay lilr.... .....Ll!I' susraiI!Ol by ""... indMdual Ca1enld Pmsao as a result of ""lIIIe kl:idool.,!be Campany's abligalian UIlder lbo Folky WiJI be _ao::ooIiag",!beblgheslamauntpayobleUllllerlbospedli: Americ;IIlExpnsc..laclUallyused ..clJaIgelboOlmmanCarrier~ .. lilr!beCom1!d Trip as ltIli!din lbo BeIlelitAuloonla , ACODENTAL DE.~THAND D1SMEMBER'''lE!''T BENEFIT !be Campauywillpay lbo appIiabIe beoe6tamaum as _from Ibe Tablefil.ao!es U aCom1!d PemoSllllers aLosslwman lnimy<lbiIe"""'!O is iafim:eUIldertb!,1'alicr. bi!taulyUsuchLoss llCl2IISwiIbio lOOda!salterlbe daltoflboloo::idelll,v4lichcaused!be Injwy. ~wiIl be poidfor!be gre2IeSr Loss. InIlO.....uwilllbo Campauy pay lilr_ than lIIIe LossSUSl3ined by !be Com1!dI\mQ3Slberesultof"""""_l DESciuPnON OF BENEFITS " ~ ClInierIlea</ir.ThisBenelitispayobleU!beCom1!dl'maa _rn;wy3Saresultriau_which""""Vlbileridingsolelyz a paoiiopr iO, or baaoIiag. or aligbtiag from or being SIl1ICk by a Cammon Carrier r.am.,ano. lilr a Cc>o!red Trip. " AiIporr U.aspo_ Beadit. hSchednledAiriinio tido!t is jlU1tbasedfor_ Cowered Trip prior" !be ea-lPeIsaa~ depaIure forlbe 2i1par1,1bisBenelitispayableUtbeCom1!dPemo_anylnjwy_ riding", _passl!Ill<l'in allllld Camman Carrierr.am.,ano. or__ beIi<aplEtOperalEd3SaCammanCarrierlllmeyaDo>,butaaly: (a)"'" flingdin!cdyro an ailpartfor!be pwpasoafbaanlfng _SchednIedAirline Jl!gbtonaCom1!d Trip; or (b) when _gdiredly from an lIiIpan alter allgbllng from a SchednIed Airiine fIigbt an a ea..ed Trip. ; . AiIporr,Premisesllea</ir.lfaScbeduledAirlinelido!tispwdmsolfor a Com1!d Trip priorro baaoIiag.1bis BeneIit is payobIe Ulbo Com1!d l'maa _""rn;wywbileupan""ailpartpremislisdesignalollilr_ use, butaalywhen!be Ca1enld _ is upansuchpremises in1mo!iateIy befarebaaoliag.orimmo:li:ililfaller'aiigbIlagfromaSchednledAirline JI!gbt an a Com1!d Trip. EXl'OSL1llEAND D1SAPPEARA.'1CE If !be Com1!dI'man is UItMlidabiyespased"lbo _ because ri an l<I:identan a ea..edTrip which resullS ia tIledisappear.rol:tsialliagor wrecking of lbo CaaImorl Carrier CaIrIeylIzlI:e, :md U z a result of such _tIleCc>o!redI\mQSIIIlersaLosslilrwhichbeoe6tsarealbelWise. payable wrlerlbo I'alicr.sud1Losswill beGO!lllOllUllller!beFoli:y.lflbo Com1!dFmoodisoppeals because ofan_ooa ea..edTripwhich resnIls ia tIle~sialliagorwreckingoflboCamman Carrier Olmeym:e.:md iflbe Cc>o!red PeIsaa) badybas not beenloundwilbio 52 ...a :tfterlbe....risuchAo::ident. ttwiDbeprelUlllOl.subjo::t ..lberebeing 1IO_..Ibe;:anlra1y.that!beCc>o!red_SlJilmdLossaflileza resultaflajwyGO!lllOllbylbeFoli:y. COVERAGE REQUREMEo\TS A Com1!d PeIson will be luIIyinsllred farbenefus UIlIlerIbe Palicywbile takiag '!rip an aCamman Carrier CllImyance aalywhen Ibe!are bas been cbazged.. Ibespo:ilicAmetlcan~eam. ON-BO.-I.RD TICKETING In !be...,. a Com1!d_ suffeIs, Laos 00 baOl1i ,ScbeduiolAiriine filgbt lilr which !be aixiine seIJs JlclEts an baOl1i lbo fIigbt :md lbo ea..ed l'maa bas not pwobasedhisor berlido!t byclwging,Ibe!iclet ro an_ Express . c..l prior ro baazdiaglbe/ligbl, Ihen!be c:ompanywill_:md l"Jsuch Losswhe1o ftcan eslltbiish that"" clIher fmm oIpayment... usedlilr lbo fIigbt ia~ ' P\lE.\IllC}IS 1'bepll!tlliumlilr1bis_lspayablebyAmetlcanExpftss. EXCLi'S10NS This PalicydaesoaiGlll'ef""Loss CIlISl!dorOllllribuled.. by (I) suicide Or _~or"""""'l>'1beial,wbilesane;(2)-or"" act af warwbelherdo:iaJed or IIIIdeda18l: haioe; ""act lXlIIIIIIilto:l by an ag!l!lriany~P"ll'.or&clian~Inwar,basdIlJIes,ar_ ___pIllridedsuchll/l!lllis_gseaedymlnotlnCXllllll!diall with ""apemlIauallllllOl..... (wbelher~ .arafrilloo) Inlbe 0l1llIlIf'""'" lbo rn;wy..... sIIaIlllllt be~ an aitofWlll; (3) rn;wy.. obidtaCllllllibollmy_""Ibo~""'alar3llE\DPlro_an ' iIIepIactbrC!l'oobeb!lfaf,lbeCom1!dl\mQorhis""'l'lr""': (4)rn;wy ""'""'~SO!'Inc.an~ar_""""",ri'lll'_(S) rn;wy__wbiIe~,riclingasa~in,irooIIdfagoraiigbllag . lillInaRlll:llO!bide;or(6)sicIalI5t,pil!sialarllll!lllalin6mlilJ,_or (" c u .',,- ' -~~ . ~,,_. ~~~~'liIll~ ~"" " . IW;~; , any.medIcalorsmgic3l_forlUCb amdilioos, """'" _of the. IXlIiiIitionis Ieljlliredasthe diJe:tlel1lilof a_lnjwy. BE,",mCL~RY Allasicr...un.ml..,.mayde!igoareabenefici:ayorcllqeapte'iouslydosig- lIllII!Iibenefici:ayforbimselfJbeJselfandhisorberlpOll5l!:and_wbo ... IIllI also Basi: or AddIIIonal Cantmemhea. AD AddilionaI CaIdulemher may dosiguaIeabenefici:ayforbimselfJbeJselfandhisorberlj>ooseand_ wbo...lIllIaisoBasi:orAddilionalCal_orspousosor_of Basi: Cantmemhea. No_ OIhertban __ above maydosiguale or change a pte'iousIydeslgDaJ;d ~ ForlUCb dosiption or change III -elI'otIne. a _1IlljUlSI, on a lilnnsalisl3dmylll1be Coolpany.llIIISl be JiIed with_ Explels. Sucb designation orchangeshalll3le 6:% as of the dale ftwas sigIledby1bedesigDalDrpmvidolibalftbao been ~ by -= Explels. but anypaJlllOlll of pIOl>Olis IJlllde by 1be Company pri<lr III retOipl of.... designation of change shall fully dIscItugo 1be Company 1ll1be "'"'" of lUCb paymenl. CL'D1S _..lice of claim must be giwn IllAMEX.\<lUllIIl<e Campaoy, Cbims __ Office, 80 South EigbIh s-. Unil595. MimleapoIis.MN 55440 wid1in20~.theoa:unenceor '- J-J'IllIntofmyI.ossawered.bythe l'oIicy,orassooo_asis~poo1ible._giwnbyorOll ~of1be~Ill1beCompanyas~__Office,orlllany iIlllhori2ed agent of the Company, with _ sufIidmt III idenIily the Cowred Ptlsan shall be deemed IIllIice Ill,!he CooIpaDy. PAnIE\, OF ClAlMS _ for L<m ofUfe of a eo-.! PeIsoG will be paid 1ll1be dosignalfd benefi.. ~_foral101herLossesSUSlllineilbyaeo-.!Pelscnwillbepaidlll rIleCoYeredl'e!son, Wltiing._ ro;lbedosignalfdbenefici:ay. Umore tbanonebenefici"'l'isdosignalfd and the beneficiaries' respedive_... lIllIspedJied,thedosignalfdbenefidariesshallsbareequalll<U..benefici:ay bas been dosignad, or Wthe deslgDaJ;d benefici:aydoes 1IllIsum.. the eo-.! I'eIson,thebenelilswillbepaidlll1besuMvingJ>'l'OllorOjU3ilylllthe surviviIlg_1n 1befimofthefollowingc!assesof_prefaeoce beneficiaries in_ d1ereisalMngmeiDber.11>eeo-.!Ptlsan's: 1) sp<>u>e, 2)cbiIdren. including legally adoplEd cbildren.l) paren.. .}brothels and sislm,51eswe. In deIennining .... penon or peISllllS, the Company may rely upon an allidavit by a member of any of the c!asses of prefereombenefidaries desaibed__ Payment based upon any such allidavit shall fully dIscItugo the Company from all obllgalioos under 1be Policy uniess, before .... pll!IIl!Ilt is made, the COIDpanybao~asilS_..Offia!_lIllIiceofavaJidclaim by.....OIher penon(.). Arrt amount pay3bJe III a minor may be paid III the minor's legal gumIlan. TI)IE ll\lJT 01' ACTIONS No aclion as law or in equilysbail be brought Ill_under rile Policy af1ertheexpiralionsofthree_alterthetlme_proolofL<mis required III be furnished. 11>e bene6Is desaibed he1ein... subject III all of the ""'" and condIlions of the Policy. This DesaipIion of Corerage replaces any prior CerIIJican! which may Imebeenfumished.inc:oonedioo.i1h1hePolicy. ~9' (!J #~ -1. Ciak, President runo1hy Mellum, Seaet:ny AMEXAssurance COmpany AMEXAs5uI2nol Company 6679-11-97 71'1i No1lee to F10rlda _ Oaly: 11>e bene6Is of the policy pmviding )'l1I1" OJI'eI3gl!...~Jll!IItDllYby1helawsofa_OIhertban_ I. if, af/4r 1f!fJJiing 11M Dest:rlptitm of ~ you fin sIi11 unsure tJJbaJ benefit /erJeI of _ app1Its ilJ your Atn<riam &prer$ ~ pIase amJod t/;e c-.ra- _ CmJ8r JclI.free1Dl1llher Iist<d on t/;e badI of your am.: aIsosiJoum onyourCllttl-. 13 '~~~"'}!i~t~!lil~.~I!i!l~___I!ji;jj~~~iJit-r,;!:~!-l-.t-WiBi'.'<f'l::~""il ".di~~'cl'~",,,,-> ~ "~,,;';""":H~'h~j,jOi&,,.d'iJr ~ ~(~.Ula iim"-r~~@<lii.,,~.,.~.,;m!'k.,Et~~MIJilf~iUliIli(t;.lfij .~ ~ " " _.~, -" ",",: .. Jj yo '. . (, 0 <::) C () ~ s: .~ " ?Y ~ "Dee --.I ~ n1-(" :::,~'" ~ ~,~ '"" ?;l;;;g &-)h Q 2~; L) 'S -0 ~ ~ 88 t3 zej :Jt. C, " )>0 ~ ~ ~ " ~ It =< w ~ ~~ ill pL:.=j- J- "'-" ~~ ~- L~~ . ~" ~I I - ~ -" " k"~"~ , . ilf~;;*!lIOi;ti;!M!'!' : SHERIFF'S RETURN - REGULAR CASE NO: 2001-01463 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND AMERICAN EXPRESS COMPANY VS WOLL PATRICIA A CPL. TIMOTHY REITZ , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon WOLL PATRICIA A the DEFENDANT , at 0014:35 HOURS, on the 21st day of March , 2001 at 750 ALLENVIEW DRIVE MECHANICSBURG, PA 17055 by handing to PATRICIA A. WOLL a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 7.44 .00 10.00 .00 35.44 S,O ,Answ, ers: ~' 'c.t t'fX~ ' '. -..~ R. Thomas Kline 03/22/2001 DESSEN, MOSES Sworn and Subscribed to before By: a:. me this ~.t- day of ~ ~ A.D. ~- Q "hue;" ~t~ prothonota:r'y