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01-05943
, OESSEN, MOSES & SHEINOFF SY: David S. Dessen, Esquire IDENTIFICATION NO, 17627 1814 CHESTNUT STREET PHILAOELPHIA. PA 19103 1215) 564-56O<l ATTORNEY FOR Plaintiff AMERICAN EXPRESS COMPANY World Financial Center New York, NY 10285 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION v. JO A. MCCLEAF 137 Bridge Street New Cumberland, PA 17070 TERM, No. ()/ - .sqL.jj Cl)\J~ 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)day:s 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 youJ.ai1 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 complaint 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. I F YOU 00 NOT HAVE A LAWYER OR CANNOT AF- FORD ONE. GO TO OR TELEPHONE THE OFFICE SET FORTH SELDW TO FINO OUT WHERE YOU CAN GET LEGAL HELP, AVISO La han delTW.ndado::l usteel eola corte. Si usted quieredefenae'rse de eslas demandas expuestas en las paginas siguientes. Usted tiene veinte (201 dias de plaza al partir de la fecha de la demanda y la notificadon. Hace falul asenta. una comparencia escrita 0 en per. sona 0 con un abo~ado.v entregar a!a COMe,en forma !!SCrila sus deferisas 0 .'iusobjedones aliUldemandas en contra desu persona. Sea, avisado que 5i ustlffi nose defiende, la COMe toma.a medidas y puede continua. Iii demanda en contra suya sin previa aviso 0 notificacion. .-\demas 1:1 corte puededecidir a favor del demandanle y fequiere que usted r:umpla con todas las. provisiones de esta demanda. l'Sled puede perder dine.o 0 sus propiedades u otr05 derechos importanles para U51ed. LLEVE ESTA DE.\L-\XOA A UN ABOGADO INMEDIA T AMENTE, SI NO TIE:\E. .-\BQGAOO 0 SI NOTIENE EL DINERO SUFICIENTE DE PAGAR TAL SER\'1CO. VAYA EN PERSONA 0 llAME POR TELEFO.~O.-\ L-\ OFICINA CUYA DlRECCION SE,ENCUENTRA ESCRIT.-\ .-\8AJO PARA rWERIGUAR DONDE Sf PUEDE CON. SEGUIR .-\SlSTE.'\iCL-\ t.EGAL, Lawyer Referral Service Cumberland County Bar Association Two Liberty Avenue Carlisle, PA 17013 Phone: 717-249-3166 '-"",\~~"lI'",~~, , ~ __~ . f ~." 1 ~ "-. --,~ ~ - ~_.,- ""'~~"'"",,,,,,,",,,~,",.~ "-'~~"l, 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 COURT OF COMMON PLEAS OF " CUMBERLAND COUNTY CIVIL DIVISION American Express World Financial Center New York, NY, 10285-4411, Plaintiff vs. Jo A Mccleaf 13 7 Bridge Street New Cumberland P A 17070, Defendant NO. 6/ - .sqLf.3 C~()~L '--r-~ CIVIL ACTION - COMPLAINT 1. Plaintiff, American Express, 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, 10285-4411. 2. Defendant, Jo A Mccleaf, is an adult individual who resides at 137 Bridge Street, New Cumberland PA 17070. 3. Plaintiff extended credit to Defendant under Account No. 3737-387328-12007, pursuant to the terms ofthe 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 $13,583.40. 6. Plaintiff avers that pursuant to Plaintiffs contract with Defendant, Plaintiffs attorneys are to receive reasonable attorney's fees for filing suit. ,-",. ~,,~<- [-, , , ..~ -~. - """ :p 7, Plaintiff believes, and therefore avers, that an attorneys' fees rate of 20% of the debt due, which is $2,716.68, is just and reasonable compensation for the services rendered by said attorneys, 8. 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 amount of $16,300.08, plus interest from September 25, 2001 and costs of suit. Respectfully submitted, DESSEN, MOSES & SHEINOFF tOm ~~ David S. Dessen, Esquire Attorney for Plaintiff DATED: 1 ~te,l 1--"..rt~~'~1.l, _" ,c '.10, T ~7 ". ~p -~ ~, " - ;%~~" ~, .~~ ,.. VERIFICATION, I, David S, Dessen, Esquire, attorney for the Plaintiff, am authorized to take this Affidavit and hereby verifY that the facts set forth in the foregoing Civil Action - Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements made herein are made subject to the penalties of 18 Pa. C.S.A. Section 4904 relating to unsworn falsifications to authorities. t Oa ~ David S. Dessen, Esquire Attorney for Plaintiff <'~"~.,-,,-~, 'J~_"",,_-t-. ",< , " "-. II T,_! "_~~ '" fIlR,lil'i457 (. OJ Z5ll26 4100 WELCOMETO O!'11MAACCOUNT ME>IIlERSHIP Plea c.ntbis~~""'l""""illeopmm._or sign or"" ille 0pdm2. CmI issued III 1""0 iIxluding my _ or "!li=- ""'" c.ros issued III "'" (bmWr'reiomd III 3$ ille "CpIimah:1:lllmt" or ille"_ ~or""l""h<l'o m Opdm2.CmO, bo:lIl:sebrUliat ille o.>a=-l"" _ III ille ""'" of tbisAp<mol1. Silx.l"" .... us Illcpea illeA<mmr.l"""" ille "l!3Sic1lpdm1_lIaici!r" mil"" will ba. m_wilh us. If..ba. ioIlIolt'aCmllll1""ocbat CmI will beailolille 1l3Si<C2ni. Ylll1 =r_dtlt:le,_aCmlIll """",,,pe>X1,mlf...do, cbatl""'" wilIbecdl.d'in,~.IddiIfoaaI c..dmotJ:>,- '" ,.,..,.-....lfl"" ba.",0p<i=~ butdo ox !to. m 0pdm2. c.ro. 2lld jWba. ,.;m cbat ""'" "'~ _be , 1i'<n1ll""""",_cbat"",,,willbeailol"hfdiI!onid- iaJ!5t' 2lld cbat II=" will be aiIoI .Addilicml~ Usee- Ycn_ tDrnmSUrt titttmr~ Caxdsor~~issuedao ,.,..,_...USEdin ,,,",,,,,,,,,,,,,,"",,,,wilhtbis~ WIlen... ""...!tons "Op<ilm"""""," or ",Ia:oon<"2lld "Op<im:lc..t' or -c.nr...... reIorring III ille Opdm_orille o.>a= CmI issued III yoo,iIldudIngillell3Si<_aodll3Si<c.ro.2lldmt- _i=ss mdlorAddiliol!2l C;uds issued an jOO1'~ " 1Itis ~_;s g<l"""ed by Utah law and ~Jicabl. fedcr3llaw. ' , USING TIlE.KCOUNT Ifyoo!to. CmI=.. _ you III ""...Cm1 III putdlze~ 2lld =ia:l from __ """,ling"'c.ro. 2lld Ill. 3dwmage ofodieri=uuresofilleC31d. You...~~forpoyingall,"""""" dI2!ged III ille _by eilherJOW"lf or my Mdilioc3l C3ltImembels or Additional_I1=. You =r not permit my odierpetm III "" ille CmIissued III yoo,_YOU'" ;!SpO<lSib~forpoJIlll!lltofall<:ltq<s IIl2dewilh c.ros issuedanyour__Ifl"" ba.1e!:_e!se "" illeC31d. You _lllllOlifyus at_filleCmlormycbfds... may issue: on yourAa:owu: are lastorSfOIeo. Qt')'OUsuspea.they a:ebeiag USEd wiihout,.,.., pelIlIission. You lip Ill'" ille_ooJrmrlegia- """puxdlzses of ~ 2lldserrias If,.,..,_~eligible. Remember cbat CUlside ille UniiedSWes, reIUmS.......n., IlIOtl! ""'""'" You should ""'''''illeCml........validd3lilormilleoxpiralionible.lfl'''' """'lllc:llXd,.,..,_or311:{~IaliUIl"l"""""CClIlO:t us 3llIi demoy tbe CmI wi my Addjtloml CmIs. We """'" ...light III deny - for my "'I"""'l Clwge. [f~ m also anAm!ricm Em~ ('~M: i'le:lsebe sw:ue. tb2t <:<rUin _ Em= Cudli.embet serric:s =r "'" 1:0 dI2!ged an ille .mUlll If}'Ol1 proride}'OW' :\ccount oumbercn m a:ppliadoo forsud1 . =ia. ... will dwge.....me. '" ,.,..- -= EIp_ CmI _If)<IU!to._""_~.-Otberwise,...a,,,g. wilIl:odcnitrl. Ifl""p<mide_ 1ll.~lllbillChq5oo.1'O:IlIriIIg basis III j'OUI"CmI""""" ("Ro:oaiDgCltugo(sJ"l, md If.~ CmI il2S be:a issued '" l"" (be=se.,mr"""Pie.,.,..-Cm1 il2S be:a lost, ""!en, ~ upp:odedor~.1Im "'=rptoo1desud1- wilhj'OUl"CUlIOlUCmlXClUDtSl2llJS."""""lIIlIIlb<rmdloroxpiralion ibuo in. III permitille IIleltI>w "CClllim>: Illbill..._g a",g. ll)OUr """'" CmI """""ooIi1l"" octifyus wi..._ cbat)'llUba.wilh!r.omj'OUl"_ ADOmONAlACCOUNl'S . I<ldiliou2l c...Imombca 2lld.llldilloil>l_lJooIsdo 00lba._ wilh lIS. MlT MdiJloaoI CmIor .Iddil!O>'I-=r bec:m:ellodbyl"" orllS..'<k!ltiao:dCaUsml~._jsml\ll1""l'_ '""''' USEd in ........_wilh tbisAp<mol1. You...__ IilIOUSlldiiamille_wilb_C ,I '.....2lldMdiJloaol ianmtlJoolsinille""""'of",.;"_g1""l'._IJTe<Jl:ll;,,OlJr di=Iloo.I""""'MdiJloaoI~mI__lJooIsfor poyIl>!Iltof....."""Ctugosfl"" f:Dl llpq-ClJ:Ir&es. .U'Ils, GMCE Pl!llIODS, CIIEl)I! l..IJlI!. JIIlIDIlIK PmIEl'II' A.'Ill.llfMW.11lI!S: lllorSopp"""",_..._for cl:lIl2IingAl'R> for ~ mt c..n-. pzperillds (if my), ... Minmmt ~ 2lld... mnu:d r.. (i!:III!').lllorlIlOlllblr -";"", """""""wil{sblw..._ofaoiit:D3ibbleIII l""iilr!'urdtisos 2lld for CasIl.>4noo:s 2lld.l2llS mr !'urdtisos mt c..n I<ivmaos 3$ of ... __ You _""Ill......._m311:{".,.m.:h ocnId Iltl!oo... ""t>"id ilaI2!aof1""l'_orCasll~oo 1""l' , ._.""",;llhe3pplicillelimiLw"''Plllpqusille_of my"~"'j'OUl'_in"""'of...~!imit. RENEWAL OF CAllDSAND CANCEl.L\IION TbeCml will benJid_...limepoioiombosoedoo...c..d. W.wilI_l""_"''''l'~CaUsbelCre..."""",Cm1 eJ;Ie :md we will axa:im.le!D dO so umil j'OIIt' Aa:cunt is c:mca1ed. LlABIIIrY FOR alAJl.GESA.'lD FINANCE Ol'ARGES You =r use ..._,,00ain1Px!s mI""""" from 311:{pe=1 who '""'P.illeCml~)j,2lldfoffiote!Ill1""oll_1oacs , ("Cash ...mmo.(s)"l from os, by",!, of 0pIimlI. Cbeds md,m{ = upoo__dncngh..._EIpress" EIpressCasll_ mI..._fromos,llplll...zppI;::1bIelimitt"'1""l'_AlI alIIOUIllS dI2!ged III m.-' _ iD:!IIde l'1ntb=.CasIl!dvaoos, ... amu:d Il3Si< CmI r... orodier... 2lld "" ,,",,,,,,, Charges imposo! UlIder 1hisAgreemem. will beailol "Cbages' in tbis~ Chq5 indude my _orClshMn= in.mea)'lU ba._ m iIIteotlll incllr'Cb2lge.<qmIIeo:sof_l""ba.sigIled.ciqe form. '&loa ...Imb~" ",for.n Cltqes)'llU mak2 mt all Charges IIl2de in ~withmy_C1lIls".\ddilioo:al_.'<rzls. .\ddilioo:alc..............orAddiJlooal_lJser:sUliat.ll3Si<i<I:oum llo/der's_...lllltlbdilofor~_by)'llUorbyodier !<!diliaJal_l1=._by eo:h ""of...1<!dilmlI CmI or .1ddil!ooal_.""",,, "*l'im:ilas 01'_ CasIl!dvaoos,... !J:Idiliol!2l~AddiJIooal-"'lloorwillbei>:ldlalillgbisor her~llpqusmr"",_orCasll_Ifl""!lilor .....,,'paycbatcbiigaica._c...~=rllllt""Op_ Checisissued"...Il3Si<~ MONTHlY ~T - MINlMU?IPAYME-IT We will send l"".""""""foreodtbillingpeticdduring.mea <here is :my aairi.ty or bai:anr:!: en ;'OJ[' h:ccuDl On each sta1mIeDt a: }finim1.Im 1'aJmenlwil{ be__~dlIe15""" m..."""","",cIosing - TbeMinmmt """",,,o1aIbIioo ~_ in )IlIIrSlJppIemeot You =r pay = than... Millimuml'aymellt. or)'lU ID"J'pay ille !lleI.I ~... Balance" my_.1aillae3se,,_ in my Daily _ R3It ~ ~ ordeae:!se lDe '3ItIOlD:U: ai?CUt Minimum P:lyment that <<lltlin""t>"id"''''ClcsiogDaof...SCID!IIIeIll. Subjealoappliclble~..."""",tbeligbtlllappJr__md credils"'F',"""",Cli3Sges.ille~.....",ofJ'll1'_(~ CasIl-.Pull:Ilzo5..WE!LO.c.]'=fer) 2lld_...or~ in my Older at oar di:sc:reliaL CAl.CUL\T[ON OF llAJI:Y PEBIODlC R.IJ:E5 A. TbeDaily._lla:smr_mliilrCasllAdr.mo:es""l' depeod cn1""l'__"'" ""'" oftbis Ag10ement mI... _~my__EIp=CmI.-..(s) )'lU =r..... during ...12_ poicd pn!C!IliDg eodt billing poioi(exhSlldtpoioil:eiog_1ll 3$a __ E'etbi"). B. TbeDaily_l/a!jrl'im:ilas~bar!cn"'AIi!ro.Ir. 1'!llI:Q,.ilGE JIA:[!; ("llr) lr!'urdtisoswbiclt=rbe :oIjusIl>l,!IlllIlIiIly.SolIjo:Ill~O~dle.lPllfar ~~"'.lPlldio::illl!din1""l'~1lleDaily -llamr!'illdlzlosmreo:hbilllngpedcd~ li365lttotilie .lPlliilrl'llldlaosin_lrdmbillingpedlld.l1lllO:iodlll... _OlIOfeI>.lhoos:aflhof.por:l!III:IgOpoiDl. I:. TbeDaily_B:aoixeam........isbar!cnm.lPllmr Clsh~_"'I'beadfuo!d!lllllllilly. SolIjo:ID ~ D~...appIicdIIo.lPllmrClsh_~....lPll_ ill1""l'~'PP'-- Tbeo.;q.!'mIi:i3IlofarOsh_ mr eodt bilIIngpedcd~ !I365lhof....lPI:iilrCasll_ in_ mr cbat billiag pericd. !lIlIZIdoI Ill... D!'.II$ OlIO !eII-lbousmiJh of , pen:enago poiDl. 1 t"".~". "-'-' D. -~<be~g, <bedl'RfurPwcil=andu.b ~':'"I",<be'.lPXfur-""'inF"""",,g dilc!ooodlll~SIJAlliiiDentilin''''l'JO:mp"jcd(31 "'1pott1on ci"'1Millicilim~""jOOt""""",is_wil!lin'" '"'l"id""",,,,~\l!lOiJling"""""""""""'ar.... OCl::lSion<;(b)"'1~o(mr~!'1yme<llOlljOOt _a_wilhin,atllllpllilp__OIlOW ~ billing periOd$, (e) jOObreich <be =ar ",,,<ber -~ar:C>ml,or(d)jOUr"""""';,"'~in d<f.mItror mr"""" m:fIar;,ClllCe!le!. E. For.purp=aflttis ~ <be 'Wlicble"!'rime Rallo" far bilImg pcdods ending in "'1ll1o,"b ;, <be !'rime Rate publisbed in The. WofIS1re6t jOlJml1i 011 <be 1;1b <by (or if <be. 15dt d>y;, 00< 1 bu>ne:ssday.<bep~_day)of<bepriorlllOllth.illIlO'" ih2n0lle!'rime Rate;, '" pcl>1isW..=tc!loci. <be'biglle<<oi SllCit!'rime R.a in <be""", dwTbe w.iISJrtit]aumai """,ro t:epublisbedar""",ropublisb<be!'rimeRa..._"",,ro <be Prime lUre pcl>lisWin "'1a<ber,..,..,.,.oi Pai-- in MelvYOrk. New 'fork. or-we In:l:)' sUbsziruie asiD:lilio: refmoce (2 at.oor~ ;~ ' : AVERAGE DAII:Y'llALANCE MEIiIOD F4R: ' CAl.ClJlAIION OF FINANCE CHARGES; i , The,""""" D3iIy BaI.uce 1'0, Pwcil= (".lDBP") ;,'de!mitinei by caking <be~ Itzbnce.for ~OIlJbe,_achday indlJding_ _Cnoo=I'o,_wilb'T""Goaopericd,lttisclaJJalioo ~_Pwcil=). <be3IlllllOlfo:.ilanTand.....~any ao:ruo!but unpaid 'Ill""" Otates or debits 'lilllied;~ ~ on "",wi... if any; and olberr... (_g """""",,premjlllllS) fordw, day. and subtrJcling my I"'fIll"llls or cmiits '!'PIled agaiost,l'un:ltoes 1'0,: dwltly.This;,thedaiJ)'bal_I'o'l'uldlases.11leo.thedaiJ)'baianaofor the bilImgperiod areWded and the rot!! ;,dMdedbr thecruml>o:ofd'J' in the billing period. This;' the.IDBP. The.-\llBP:'"I be oll1sidered ro be zero if you pa;d tbeclllsingbalana!. if any; shown on JOUrp,,"a", lIlOlll!l,..... ,""",by <be _dueda1esha<mOll dw""""""unIess"", uWe' balm:. Omierduriog the billing period. To 0!/aJbJ10 the ,_ Charges au_I'o,'~period."llIl1im.>I1'<be1lail{_Ra1l!I'o, _ by tbe.IDBP and lllIIlllplythe resulting nllll!becby the nlllltherar d'J',intbebillingqcle; _~floIl!othecleodingproduas willt:eltlbjearotheAPRfor~.....theexil_of",.,p"""'" dnnalAPRoffered,unIess""uarenlh""",no<ifi..i.E.'<ll!lIde:l~ Form tr:ms2ctions will alsO be subject to the APR for Pwt:ftIses. ' The.~D3iIyBaI.uceI'otCash_ (".lDBC"l ;,_e:lbv taking <be beginning balm:. of Cash_OIl the.\a:OtJn'w daY. WdJngmy_c.sh-=.r...~withCzsl1_md' aa:roed but unpaid ''''''''''Otates or debils '!'Plied apimt Csh _ro,dwdaymd~mr~or=JiJ:l'l'l'lled <g:1iI1SlCsh,_ fo,dwltly. This;' thedaiJ)' balaoceorCsh -11leo. the daiJ)',baJm;es.forthebillingperiod""Wdedandthe ro<:1J is divlded by the_ofWljo in <he billlng period.1ltis is<he,\DBC. To _<be ,,,,,,,,,,,O>oages on Csh _ for.billingpericd,... 1lIulti1l1y<hefr.1ily _ Rallo /orCsh_ bytbe,\DBC and lllIIlllply<be resullingnllll!becby <be numberafWljo in the billing qde. The ro<:1J "n""e Cha:go 1'0, <he ~ period ~ czkuJaJed by ~ ,"""'" Otates on Csh -=. Plndlzses. md "'"'"'" ltIbjea ro , p_APR.f"""",~""aldedll>ihelllllSlllllliing_at <bemdofihebillingperiodfor.uidl.<ber""cai:ulaleiThelllinimllm ,=Chart<I'oc",,~perioilis$O.5ll. p~ _Paymeotfurall~;,dllebrihel'ajl:DecitllueIlalOOIl!\llll' , lllOlIlbIy""""""l Youlllll5<lJllifr..illlml!diiai!Iyci"'1~in)'OU< ~_ Youlllll5<i>'T"iall1~wilh<~or'cho:l: dmnon,u.s.llmI:ndIer,"",AmeliCail~~JlaDi,and P'-J'lI>I<inU.s.-'or'llilh,~~","P!'I"bioina.s. lIlJIm anddemblelllt<lqh IIie Il1liOliia(~lf"- ro ""'P'parIlll!lllO>ldein_ndleriii!ll.Jlll!i'~'llil!llOlbeooJllei lllIlilttis_ilIloOlJl!cilbe.....~iiiihepte'riOl1S-- We ""l'dlarge 1"" mr_..iD:lIrin_~~<b.ol""'~If"'1 parIlll!lll'....."" yoor_is....~l'ocilfilllllD:<mt;..""l' dlarge yOur _$29, lllIIdlilbii:ii!eprlllldidilf'!iplbble 1<1< We=t""'l"""'~~l"T'Jl'OlSor""l"T'Jl'OlSll!:llled" beini parIlll!lll in full or" being~ci""diljloe,.;dx>Jt1ming ""friOll1'rigbts llDlierlbis~Or1.1lll!oc1lie1<l< Jr..""'P'''''' ~ Ibis""""", """'.._ ro cltul&<lbis.\pmenlin ""fWl- DEFftlJU We =tCOllSider)'OU<_ro be indetmlt"""timeilyoubil ro p:<r ..""_.....ttisduo.if1"""'""l"roboaowmotethanthe . ~~lelimitsllllJllU<_oril)llU_m,ndlerpromiseor nllIig;nionllDlierlttis.\gI<=l!. " SlJbjeo:ll>'{lPliClIllol"!..:rlso""l'COllSider)'OU<_in_at my lime ilmr~itl::Jieh!1WtolJS inomneaioc 'lfith thisamit P"'!l"IlI"" false or~ ifl"ll breich "" alhec plomise oroolip- OOtlllIldeclttis.\gl=lormyolhec_'dtllyou""l'/laYewilh us or wtth 2II!'cl our:W1tm:s or [f~ re:::::ve i:ciiJm:tttica from a thUd part'f(incbJdingaolil"l'J'ling~l_gdw"",,,,,b3llkrupc, inla1drofiJ.~ ...=ble,,,P<l'jOUr"""" r!iqboa1ll1em..; arare.~aoc~rnour~olyouratrlit- wotthiness, m ourdis:nti:xE ~ m1f~ the aalOuot of debt yuu 3re ~"""P=lro!\llll'''''''''''ar''''folberafjOUrCle:lit_- = ~of)'OUl,d~onlttislaounlln orlWtionronlher remedies'" =tpurllJ<_<iebaIr,..."""" the right" """"'!\llll' Cle:litlin<orrequiE<_O{,,",",,,of)'OU<ou=OOing,,",,,,,,,, _tha:othe_"'I= Mfid~"'=t<msi<l!r;"Ur_in<>:f.wltif"anytime)'lll dedm bonkropll:)' or in <be "",,<ijOUrdealh. UpOlljOUrd<f.mlt...r;ubjett" ""_",,,or requiremeno 0{ 'WIic, able 1zt.)llU ogre. ro P<l' ill athe"""llll,ble -. includIng """",,",10. ' allonte'(s...._br..(l) incnllo:lillg<be""""",,du.,indudlng '''''''''' ~ illll?; _or oo<ltlil>brougb'agaiast fll11, and (2) JtI proranng ~ fum my bazm th:u:we r:o:q suifer z a "remit or your delault. W'''"'l':Uso._;''Ur<iebalr,;ubjettro '!'PlicalJlelmv,dedm <be"',",lmOIlIlIci_obIi~"Ul~dueandp:<rahle aadsuspertd or c:ancl ~1lllr C'pCima,!o::JlJntprMleges. DELlNQUEKY FEE Youx:N:touat is oonside.ted~ifyau f:1il co P%'fus a.t least the Mlnimwn P>ymem br the l'>lr=iJl!e IlalO sbown on ach lllOlIlllIy__ IlIent IljOUr!a:ouo,_l!e!inqueot"oi<beeodaf<bebiJlingpericd, '" =t """ allelinqueoq fue of m. subject" '!'Pale lze Tau:'"l anly be <har:<d- "" P'l""l'r..I'oc"'fll!illimum lllOlIlhly p<'jlll<ll' witicI1 is no< pa;d iJy<be p<!l1l<nlduedall!. SUSPfNSION/CA,KELI..IDON in addition ro anyoi<be3dllllS'" ""l''''...Illll!:r lttisAgt<ement'" ""l' suspend or cmc:e{ your Optim1.~ priV'ileges at oursele opriao, subject to appliclblt htw, 'at:UI!' dme;;tdl.or~c;wse andwithoutgiviog ytlu noti<t, inc!udlngbutnntlillliodlO silU:llillllS in>bim (1) you """ ro_be ",_bolder'" !}>ldS2Odhlgwith""i""ro anyothecao:llWltljOO ""'1 /laYewith_ ~"'" or (z) you ...indeflwlcltl'{sucb..:!iOtl on QUI' pan 'IiiU not c:tIld your oblig;uioa to 'It! us the oum::mding balance, flltlllCeChargesaOOather~dueon jOUr.\o:OUnlllIldec<be l1:mlSoi<be'-'in""""<be....af<be~,,_- sioa ofyaurAccounc,orJS ~~ You agree to p:qus aU sum oofig;uions deopi~ mr~or~Oll of JOUr k:csunc TRANSACTIONS MAllE IN FOREIGN COUNTRIES Ifytltlini.l:ialeaCl'2madia1ia'J,I~~i.twillbe~iIlm U.s.dolha:aOl1tbed3ttitiS~byusorouragen.l3ataratesetbyus -" D=lonauilllerl>auk."",",,,,(....,..,.byla.wl_-.. _inachimtlOcebyllO ro Z%.1ltis "'" ""l'diife<liom"'" in e!Ii!clon<bedaleaf)'OU<oms>amT'"'""""""~brestlblish- =C""'''aitfioeslwil1bebillofatihe''''''sucIlestlb_.... FEES W'''''l'<:bacgethel'ollowing"",;ubjettlD'!'PIiclbl!1zr. l.~ Ac",oiup lD l29willbe~fur""P"1""'" ro your""""" that~""_Iil<i1sfnll__.Ibl.ifJ'lU"",IIieC'1lilD casI1aclio:l:",,,,_s.....1l:Do!_<lIIk<orndler ambo<i=I_andlbea.d:lsllOllDmdfurils,loll- ......,.dlarge ro your_lliepollliXlcillie.dlecl:dm- 00< _...r"""l'dlarge"'_""ro"""!$l'J. Z.WIllF.~ IlJ'lU _and ""am!xmoilDa:tlljlIeo<<._from your~!<l:oont, ""'fdlq<;"Ur.-.c",ci$l5. I.COPlF;OV~!IID= Ill'lll nitues<'~d"'1cho:l:youil<o!daou"" 100<- ~_or"",,",ri~"""l'dlarge1OO<-' r..d13foro>:llcbo:l;_orr1!lXl1lridlq<copy.Youwill 2 "-,"'i_",:"!'ti'i;"'WF'jiy_' _____=___~rn;[~,;"'l-'.)J"I~"W-rI'lj~ri~~~~{!fi'i"''''V,h' c.,,., ',,-.) (] f" """ '- . T<~~'~" -'~'~~ "~, ( "k , oo<becbgo!/irSl2ll!lllell1orte:llOlofdw1<cq>ie<pttduad<lS pat of.bilIiDg dilpwo im<Slig>liaLtwlllrl:-..o ~JOO 'WId!ill!" l8>ioo<:anc:e!lolcbo:lis...)WI' biIIiag_/ir ....JOO""l'OXlt>:I:us. .. STtJP P<Y'ffi<r ORDI'R5 ~JOO "'l""l1lS """P paymeatoo.dlo:l:dnwuoo '1""'_ "1ll2Tdlq!yoor_'"ofS2'J, 5. 0\1'R THE r 001' !'FE aJOO <mlz.~ t!l3t=yoor<Xltltlndingbaboo:" ~ )1JU1'mt limit. .. ""l' dw1< 100 ... of Sl9. 5. MrrlflNT RF.~PENJNG FEE [f your kaNnt is 0JaSidemi in debul.t for 1Il'( cea:son mii:s onc:IIel, mi)'CU "'l""l-......., "1ll2T cftu&e)Wl' """""'. ~g.. of l1S l sudl "'l""l i> booorei USE OF C.-ISHANIlTRAVE!ERS atEQUE : ' D!SPENSING ~ " .', UJOO""earoIJedin<heE:p=c.,oPtog!:ml.:m~~ Ihe ...of...Un!inOJlllleCliClll......E;qxeslc..hl'lpgI:m1i<aItlCbod 10;';' CJnlmember~ PI<=*" tbal~lirrigha mi dunes rebring" ......of <his Un! in sudl cno:llinei.1ljer..lirusing "'Un!"_ctlhfrom",_ieller~is3%of<he :rmount of the trin:S:Id:ioo.. with :t $3.00 caicimum aid Iioin:tedmum. A 1% """"'""'" is dtttgOf Iir_ Cllequo pwt!tI= Bll.IJNG ERRORS OR rNQ1:J1RIESIPROlll..EMS WITH GOODS AND SERVICES ' !nduded wilh ;,;, Agr=eat is . ClO<ico Ollltlining iIDpd_ iofomtuicn. of)1JU1' riglu:! "disp... billing ""'lS, a you hm "'l ~on, problem or dilpwo """""'"'t:'dle illOlllbJy _.. send;oo. jOti;bouldccntlct . us. and..will.u.:IiI ~leand 'l'P"'P"""SIl!pS'''[llOYi<Ie<he infurlItllicn )1lU "'l""l or"",.. _disp... in Ollllplim:e wilh jWl' crgrta JS outlined in chc notia included with ibis Agreement. If,yoo !tm:!: a. problem wilh gocds or SO!l'rices 1"" dtIr&< osing <he.\a:cunt or a you!lave ldt:spute with afum honoring the Account, 1t!u IIttY msome cirt:r.Imstmc:e be permiaed not to oav !.:S until the disoute is ieJ!wrl. These CIOJmStInO:S ""speciied in...n.;;." d=ibing~ ngh.. u_ sudl_ -. you =flaY"' and seal' <hedispwdirealywilh...1imt. W, will ootbe responsiblo ~anyfum """"" bouor<he_ or formy olher problem you ""'! hm wi<h;uch Iimt. INSl.;R.lliCE If:;oo use the.-\cQJUQt to buy in$tJIance.:rou gM!: us permi:ssion to p:q premiLtIDS foryoo -:men due.. You a.gre: (Q l'e!JliY:lS ac::oafing ll:) dJe temlS ot ;';',~L You=I<I!", in wriling~jOO'" Iong<rwish "'''flaY pmWums for;>lltL if _ ,\a:cunt is C:lllCl!!!e:I... will ""P p:l!ing pr<miums Iir you. ARBITRATION This Arilirmion Provision ~ [OM.the tiroml:stma:s and proa:dures ond,utidl 0ZIus (<IS dcined below) rmy be irlli""">limtEod of ,ogatedin"""" . AsllSedin;,;,.I<t:ilDlion?rovision, <he_ "tJaim" """"anyd2im. dilpwo or Olll_ ""-' you mi",.-gfrom or rebling"'" CJnlmember,,- (... ""-<"'. any <<Wedorprior~ thor:""",,,!hmbadwi<h llSor<he~ <esuIlfngfrom... ,'-oranyp<io<__g"'~~or ""!"of;,;,.I<t:ilDlionl'oJoisiod.<he.\gla:III<llloranyptiar_ "lJoim- _ d2ims ci"""f Idod mi...... iDdDdlDg but ""'_ "ini~d2ixm.~~mi~d2imsmi d2ims"""lopalClll:lJX>C. "",frmlmi_ilI___ ~ CDIlIIIm I:.w mi equity. Tho _ "Oaim'" is" be Ii- tbo ~i'O'Iiblemomingmibx:lDdos.br"'fof"""Plemi~ IJmiaIion. anyd:zim, diopuIe or""""""",,,,,2ri>:sfrom orr<l2re:s" (:0) tbo Xl:llUllL(s) (..-.u") a=rl br tbo,,- or any <<Wed or prior_oranyo.!m:osOlltbo.!c:::uDl, iJ>) ..d~~ ~oroalor__l<b2dl!tbo.-mr.pds"" -~llllI!ertbo_ortbo=<i6nm:iD& (el tbo..... dlrmi""""l<b2dI!c;'" 'd., GadDIing...il<Ilo& ' ~earoIlmoarl<!Tio!l mi C<lI2ltls_). mi(dj ]OUl''I'\lIf- """'''''''',-.u. /oI1r 02im WII be ,..,.... opal tbo Oe::in of 100 or os, br a!liIr.Ilb1 _" ;,;,.1riIo:ufm_ 3DltboO:Q,ctl'1oalbe{~ of ;,,1!oIional ~!1xum ("1Wi in...." tbolfmo dled:limi> iIed. (!f/irany=oa tboWis\lllllbJeor~or,""", 1!....<lSzrl>ilr.o.. ""'~"""",,ll3llcn2llr~:uiliIcIion~~, 1Ililllmt.00000aldr:ci~'>ilI bellJ/lslilllled brusJ Fer any 0ZIus -br;';'_Pl'lrisiou,'palfwbo!tls_.02imill. '-'it in OJIllm:q.ma!liltllloa wiIh """"''' any tJaim(s) ...... quemfy """"" ill "" '-'itbrmrorberpalforP"'i<< Tho a:.;" rules mi foamoftboN.IF""l'beoblziodbyc::dlillg,m-I7+237I orbylilillog N.\F,-"...........~AIIamos,o,aldled"anyllliO&' or" PoitOOico IllIl: ill19L ~ llim><>:Itr.i54Q5. IF.IllBIli.mOH IS C!lOS!llll'f!lll'PAm'lllIll RESI'a:l''lO A CLIIld. IlEIIIlER roUIIllR 'lEVIllI.lIlIYE'lllERlGlll''lO unG.lIE1lWWldI iN COURrOR!I\liEAjIl1l1"11lIAlOH1lIll',CLIIld. OR 'lO ENGAGE iN PllE..IllBl!ll.l!IOHDlSlllY!llr=rASPROWlEDFDRiN'lllElIIi ' CODE. FURIllER, lOOVIllI.00l'1I.m:'lllERlGlll''lO l'ARI1C!PA!E iN.l REP!!E:SE!lOOM c.\P:'mY ORAS A MEMBER OF /.Ill' = OF ClAJM.\If!S PElllJJlf!NG'lO /.Ill'!J.AIld SU1I]EC!''lO.IllBIli.mOlt =r ASSEl'FDRIH BEtO\V; 'lllEAR8lII!.l!Og'SDB:IS!OIlVllll.BE FINAL.IIt'll BlNDIlIG.IIO!E 1lIll' 01llER RlGll!S 1lW100 WOlJUl lIlIYE IFYOUWENrlU COOllIlIAYAlSO MOTBEA!IAl!MlLE iN!Rll=O!L n-WII be 1lO rigfJtormIbotitrforanyamos" be irllitr.m>loo. d:zss aaion bosis oroo..... ~ amos btoaghtin. plllpO<l!d "p"" - ~oo be!tUlci<hego=lp<lblic,orberC2nlmoml=or orberp<lSCOSsimibrlr~ P~~ <!tit <hedaim2nJ:s iDdi" Yidwd tJaim 'WIdbesubjea" ;,;,Arll__ F~ OZIusbtoaghtbror2gZiust .~,) ofcoe_""l'llOt be joinolor_ ill tbo 3l!JiIl2licnwilhamos blwglubyor'3'inst anyodier~)ofanyodier_ Ollbso<herwtieag=!" , ill wriling by :iii patties. Anr irllilt1lim heuiug <!tit you aam! sltzll t1ke pl= in <heli:dm.l iodiddilrriaof_reside=A1. )1JU1',wrilienreqi>:sr, .. will aJoslder ill gcc:di:liJlt,making. rempomy ofor.mce of all or pat ci ...1iIing, """in........ 2lIdIor heuiug feorlirany tJaim l"U _ <IS "whicl1 you or...... ~A1. <hecoodusicn of...~ tbo arili..... will dead. >to will uIlimaIeIr be "'P""ibIe for P')ing ...1iIing, ~2lIdIorheuiugfeorill<XlllIlO:<ionwilh<hearililr.llion. This","i"""",,_ismade~"'<r.lllSllC:ion~iD';"_ -",""""""andsltzllbe~bytbo_hi>i_1a,9u.s.c. Soml", 1-16,,, km:qbesmeaded (... "FM1. Tho_sltzll 'l'Pif 'l'P1icJb1i;_1:.w_...<helMmiapplioble,;;,;"",of Iimil2lioilszcdWII booord2imsci priviIege~" "'" mi.'"... timely "'l""l of .....pany; sltzll ptOI'ido . bdof...... expblcuIon of <he b1sis for... SInIli. luccaiDcicg <he ..._~ <he ...i"""" sltzll no< 'l'P1r<heFe:m!oracr_ cuIelofi:ivil proi2l!lc.orculel ci ~in;ddjticn"cbopani<s'ngh!s"",",,"i'infu_purllllllll "...coo.. ~tbor_"'Tsubullt.requist" <he _wilh u"py<i tbo"'l""lp.";ded"<heotbor_"exp2Ild<he,,,,!,,<i-..,.aIJow. ahlelllll!er<heCcdo.Tho~_m:q_obje:lials."<he , arili""""...."'PYcicbocllje:Iionsp.,,;ded"..."'III""ingpmJ; wi<hinlif1=(IS)dojsci~paty'S_n..gI3llliIlgor deni3lcieitber1:mr'''''!'''''willbeillcbo>>le_of<heirlli<rmr wilosltzll oodIy<hepmr.scibisllierdio:isiCnwil!lin """'r,(20l dojs<i<he ob~g1:mr"_jOdgmect upon........c-!i1... aril~ """ ccaybe-.dinmTCXJIllbaingjui;,d;arou. Tho ...i_, ., -willbefinalmi~=p<liranyct8fuii'l'!!"lp..,,;didbr <helM2lIdIor<<<he""""",iitb<__t.IOO.coo."",_= 'P!>"ltbal_"'___pood:ll!miilillmdby...MAf'Whidl sltzll =asidor""""", any"P'1of<heinili<l_"'I""""l bytbo -""gpaty. Tho~_lbZl_illilty(30)...."""",,,, .....ciemyci<he___"ooeiIrcbollli""ki>""'" cisiog <herigbtci 'l'P"i Tho 'P!>"l.ttill be Iilolwilh IhoMAF ill cbobm, of'-~TholQ,EwiIl"""ooeiIrtbo__""..._," hosbeoa'l'l"'Jed. Tho,W'>ill"!'P"i,u__~Jl'IU'!wbowill Cl:IllIlICt:m2l!litmion_"<beIQ,EQxlemi....ilsdo:isicawil!lin ~lnJrdo:dmi_(l:Jll)...."oftbo.....oftbo~_, """" Thodo:isicaof...poodsltdlo.by!ll2jodlr_mWlIaIlbefinal. mi~ ThoCll5lSofm:!l"'~wiIlbeborl>obydle'!ll"'ficgl""T ~"tbo_oftbo'l'P"i' ' .!sOS<l!iDtbo.llbitcafooPl'lrisiou,........,"vIf!'mi......sItdl/ir:lil ___E:pc!ss1l3>di!!ba!rl's.;.mCoclplaJj;ruc. -ElpR:osCtmmioailmk...~ olIoflheir_ wboIly orlltljorltr_~ ......""""""'.... ~""""""" mlp. mi any~of!"lll''-'';mi''oflheir_ ~-mi_luaddilioc."vIf!'or"""sItdl -acrt!li1d_~any~_or""""'in_ oirhtbo_~l:ct""'_"aoilbo--.moo:llm<:l wbo booar ...Un!_/irIho_Ibhd~wbo provkleor putlcip2JeiD"",il<Ilo&_'"Il,lIm,cU'rrio"miC<ll2ltls, pIllgl:lll>l,a!l!it_~,"",_mi:liloflheir , .,,""""~ _l'ilIm~.I'IftI!llII!I!WfJ!!iIII "~""""""" , 3 ~., !-" - " I,,"I'!III~- ~ ~,~ I , ~~ ~I oJ'''- ""'''"''''"'"''''~~''''"'"'''r''~'1il'rII T'TfT"rf'flfIiT ""mf'TO'i'~I"~ "", ..., _~_md~lil,mdonlyil,sucillltin! part}'tsll<lllled "."'-"willl us in1C11im """"'brJOU.As solely usoI inlt1isMnlr.llioa!'ro9isioc,... ""'" ",,' 0I')wa'" sb:lIl rrem 2lli""""'OI'emlties'PProYOibyus" ""...._ioduding bwllC(limiorl"211i""""'OI'emlties~o/ilig:IllodUlllierthe ~OI'anyprior~j<lll=r~lWwi<husm211m<ho- rimJ=rithelmJunt thisArllilr.llion_sb:lIlsurm.~ri"""_,,..u "rolunt!ly_ofthedeIK in full byjOll. myieiu ~g by us "",IIo::t.<iflK.-:lbyjOll. my bmkrupll:'fbyj<lll mdmysa1e by us of i"urImJuntIfmyporticnoflt1isMnlr.llioa_ts__d OI'OIJeOfuro:ahlelJIldermyJ.wOl'Sl2lW,_willllbeW, itsb:lll nocinv2lid:olelbe_glXlrtioasoflt1is.lril_-.the ~OI'myprior~jOU=r~lWwilllus,..nof_ sb:lIl beeclix=blel1!g>ldles:s risucil izno3Iiditr.ln the """,of1coo1lia 01' ~""-'the/t\FCcdemdlt1isArlli01lion-'tltis , Arllilr:ltioa_sb:lIl " goyem. " I Note to Call1omia rc:sidc:ats: ThisMbitraLioa PtorisioashalI ootoippiy IDjOU "'*" mi un<il you"" the c.m ,"",,,,DOdfyyou \D wtiling ~d ts applicble in c.uromi1. . , I , WAIVER. ~ : : Our E.ihue ID """"'" any cI our ri%htt uodor tltis Ag=Dd1~ or our w.j;... riourrigblson myoneOCClSioll, sb:lIlnc<_,W1i'1<rafsudt dghttOll myodleFoc::>sion. PIlIVAGY Consumer ikporIr , I I You aud10rize us 3X1d our affili2f.e5 tomake~credit i:oYl!Stigatioqs\lll:! d= __milDooodn md ad=gemy infutmaiion ""=r, -..&om""""""'reportsmiother"""",- We rn:a:y ask: amumer repontag ageocies ror caosumer reports of}'1JUX' credit history, Uponrequesr...will teI!;oon_''''""":,,,report... requeted md"'l1llllIe mi address ofllie ap:f dtu fumishol it InfumI1Iion ~ yoor I<oltmi =r be fumisbe:! by us "",osumer reporting ~ bmks or other aedimtl. If",,,,,,,,,,",, dtu your _tsP""drJe,........Cl\!dltinfumtllloorDZf'llP"'O.your ==l'POtlmilbe==reportsrimy!.OililomlAceJunc holdm on yoor _ Ifj<lll beIje,e inIormadon '" """ fumishol aboUtyoorh:t::olmt'to aamsumer reporting '3f!!!1Cfis io2o:Ur3..te, you should wd~ ~ us at _ E:'l!'" CreditIlure1u Uni~ P,O, Box 7371. Etlmdettlole.FL~7871 mdidenriCylliespedficinfotm:uioni"U bel.ie?eisiIracaIrare. "l<qUiredby Jaw; "'" arebereby_dtu1~creditreport ret1a:ting on your credit record. JmT be submim:d ro a credit reporting ~if;oonfail"fuIfiIl..."""'clyourCl\!dltoollgarioas. /n{i>nnotirm Provided '" ,Jjfi1iaI1is and JlJlriding ParIneo< We =r _80 my illfulIll2tl.. '" ""'"' 2boutj<lll willl our:dlili"", iodudiI1g my credit or other illfunD2lion "'lII1!'- from your '!'Pllc>- tion orCClJ:SlIlI1er reports. You may'dii-eaus IJ)t to sbarewith ouraili1iaD!s md subsidtari.s """"' Cl\!dlt infotm:uion (ocher tltm tl2nSada1 or "l'" deao: illfu!m:ttIon) idx:ut"'" or my Ad<DJioml Cudmember(s) '!'_ _by~,,'uiat_~P.O, Bm:71152,Ft.LmImlale, FLl3329,PI=ilrlIlde___3IId_ifyoorrequest applies"mylllifjlioo2l~s),;i.ea.WerDZfalslad=ge 'um""";",,idx:utj<lllwilllourlIl1llz<ingp;t1Detl. rei8pboM MimiIoring , ' From time" time... rDZf_l!I!pbonecdJs...... jOUOI'Alkli- lioo2ll,o:nmttboldmmlus"""""lbequolilrriour"""""'''''''''- JiJ:ilingIisis ' -"-' ~~, _,,~ We myase :..&..",JrJ...\ youh:De1"u._lDlJSoo.)'OOE'ww;;u ~ mdin '~dod'Jl!l!mmbowjOUil$elbe_mi ~""e>II!ma\salltzS;~""""",,,reparl!,'" m:al2lloc- ~~b).o,.1lSmiour_ W. rDZfalsl""""""".....dod'Jl!l!mmboJfjOU""the_3IId ....:iedit....~~mmpubli:.",.,."~~... _are....!o,.~willl_...,mlil~od!ajOUlII1!' -.. dnoagh Ihom:lil. If" my-1"""'"''' bae jOUl'..... md _1<IIllIoed mm lllCb Iios, pleaallSll-W'837& 1lsooj'Umiat_Q,......._JAgrtICtI< _E:qllessb2s_inIiI_..md1e1tlbletheCml,,", ""'l*d"O!ltliQ,Fedea1~...,..mi~ ('~'.Aswilllc.m.........,."","""",,"-"'-" .... jOU d2coo:" ",,_c.m.. m~_di:qo illfumtuIat is """"",""",lIeaedby _ """" Cltnge infumlalio. &om Cud il2IlSaCtioo3 "AgeOOes=rbeusol inrl""""ingc!tngl5 md P"l""""'o billingmd",!l!clions_md...,.",~rorreporting, m2l)sis mi =l<eting 3aivj",-,_ -rooline..... cldtuge illfur=ion br Agencie5 are publilbe:l ;eicdiolly in ... i'oJecl Regislf< BENEFrrBND SERVICES Sub;",,, the J.wriyourjllIisiiaicn, '" """" the ri%ht iO:Wrl. nnxIil'!'or ~:my benefit or sem~ otfe..rai '..;m:i:e .Cunt 1t:my lime without llOC:ia:toyol.L r, t... alANGE OF BUilNG ADDRESS - NOTICES You should notify us il:I1medb!e!y 0{ mr a:mge in ~ billing 1ddra>. Any """"'given byusshallbe""",,"~beg;..,_/e;lcsiorl in...Uniled Slzes M.n, ~prep>id. _"jOU " the I>J&bilIing address ..... on our """"" OfANGE OFTER,'>!S -ASSlG.'<'MENr We lItl)'assignAa:ntl.nl310 our:uIDi::lres:crtosome od1erftnancb1l icstitu- Iioo atmyti:me. We lIt3:faisodtmge:the mmoioraOiaewtermS to this .\greement"mytime,iIldIDng~_aifect_glnl.mo!sor R=ce Cltnge =,in ""","",,=wd!l'9f!ictO/e ~ REVOCATION ",'IT) VDWNTA.'IT CANCEILl:IION Wecm~keYOlll'dghttouseme.:'a:::lUlLCarC:n:d1tmydme.. Wecm do lt1is _or 00'"," ~_tltis,\gl=lent_gMnglOO notice. If~ ~ke theCatd,!'QUmustre!llm tbeCudlD l.l5ifwe~ Am, if a 6:an !hat:lll:epts Cards asks!OO 10 suneoder m e:tpi:red or reYOked Card. you must do so. You may l10t use me C:ud m it has expired or after ~ h3S been reooked. If ~u i1k:.us co cancel.)'QUI'..\a:::!unt. but!llu continue 1O use your Aa:ount afrerwanis. ~willcocsidersudluseasyourrequestfarreir1stUementof yQurAo:ounc. fi~igree to refc:st!:l:!?Uur ,munt,. d:tisA~t or 3rrf amended or new Agreement;:;e ~}'oo 1iiI1 glJYml?Otll' reinstated Aaxlunt When ~ reit!stan!: yuur ,lD:OOm, ';l/l!: m:I)' re!ost:Ue my Mdition:al C3Idsisstledin"'_oi<h1=!=U1" mi bill i"u ... appllcIble 3IlIlWl1fee(s), AMERlcm EXPRESS CENi1JRION aoo: c ~~ illmdE. _ PresidenrlCEQ TO OPTIMA ACCOUl'IT HOUlERS rN mE US, A1m ITS TEllRITORIES. YOUR BIL.L~G RIGHTS - KEEP TIllS NOTICE FOR FUI1JRE USE. TIm notice com::aiDs impottaDCinfurmaColl Wout your rights::IIld our reopOOsibililies 1JIIder... "FIirc.-.dil Billing!J;!." NOTIFY "OS rN = OF ERRORS OR QUESTIONS .I!lOuTYOUi\ OPl11AA..\CCOu'llr st\IDIENJ: If you think your star.emmt is wrong or if JOU aeei mote iDfuonation aOOut a ti:ul:siaion 00 }'OUrswemenr.lllTirtuson a.~sbeetol paper-at the addressforbillinginquirieslisre:f.anyoor~Wri!eCOusassoonas possible. WeillllSlh""....jOUool2ibm60cbjs'""''''''''tyou the fust_oa_the_OI'pnillem~ YOllc:m alsl rei.. phcceUSa1tbe__Olllliefrontril"""billing_~but dai!lg..willlllltlll""""l"""~ In'f''''l'_gileustheilllnwing'''''''''''''''' Your.....mi__ 1bedollar_rithe..-led= . _the"""md~if1""cm.wilyjOUbe!ieie_ts m=JfjOUneed_____tbe-jOUare llOl_about. IfjOU~_1lS~pql"""_bill""""";"l1yfromyour ~or~__jOUc:m~tbe~Ollmy-,~ _ts_ro""Pthe~l"""_"""'''''''ustltteebusi!less cbjs.....the_~tss:hoin1ed,,<Xl:II< YOUR RIGlfI'SMID OUR llESPONSIBIUIIES AF!'ER WE ~~..a~=~GlJ)d:l!s.-"'lme ~1ho"""'o,.theo._aiD!!y(jO)d:l!s...."""eilb<<"'- the"""'tire:q>binoby,,,,_the_...,,,,,,,,, '~ 4 1"l! " _~~~_~",,'!:ji;!rt:;t!"'!'~!k"'~;~W!,;,"'1;,?;"~H',-';I:!"'I'~;if~~til~ ,_ ~.",' ;ow,i-ff"!!1-fW~'-""~C""";~\~,i::","S-"" ''-''I''''''''''>l~ '~"!llli!k,'1'i.{"I;'t'\!S~."m:'1\""_,"T';;;;';)rjW!l!~r,~::f,;g;o1*i~f, <~ . ,~ ~. ..~ , "~"""~- '-",,' " Air<r........l'>l< 1eIIl!I;.. """" or" Olllea"" -1'>1 quos- don.orrepatt you "'do!linquenL We cm_"bill1'>1ilr... -you qu<llia1. iIldJJdicgF'UJ:lIlIZCtzlF,llllI..cm Wr"" ~ _ ~yourceditlimil. YoU", "",!me" Ff.""quos- lilxlEl!"""""'obiIe..""~bu<1'>1,,.>IllIobIipm,,(1Zf , ...t>""al~biI1lltzt""""'ilIqtlel1i<n ~..Iind lltzt.. m2deami:sl2ll!OlIl'>l<st1D!lIl<lll. i"" will "",!me" (1Zf ""F'lltlIlO!Cltut<s..md" ilri'~- ~..did "'" Iltlkeilllistlio.you"",!,!me 1llp:l1F''''''''''Chargos. and jUlwill !me" lltlkeup""mmed_OlI...<J1l"lioc>!d_rnoilher=.. will"OO!'>1''''''''''''''ol...'''''''''''JCll''''''md...........i'isdlle. ~jUlOil"(1Zf..._......_jUl"""..""'!'repattJCll'" deliI!Ij1JenL \-...; if "" "P1aIWial dce OOlSllilfrJCll mJCll_" uswUbin.. (10) daJS!t!Iingus ""1'>1>1ll1 """"'!P"l\ "lIII!5<!e!l ",!_"<epartJllU"lltztjUl!mea<pl5Wn:Jboutl'>l<""""",,-md .._!e!ljUl"''''''''olillJ'l<ll!''''l'J<ll'!jUllD. We=!e!l illJ'l<ll! ~:ttOltYOO. to thatcbe lX12tt!r'h:zs beenseaieri i:letweea uswbeo itlittdly 1:s. , . "-' ~.."' IlOl follow thele roIes... ClIlI1Ot,"IJea... ""'$50 ol... qu.,: tiJned3lIlOOl"lf.~~~sw.emen~'i92Saxre:t. 1;:i SPEaIL RULE FOR CREJrr CARD PUR~ IfjUl !me a problem will1 the qualitTolprt:pertYor~....JllU pun:h=l wi.. ... c.m. md you !me !lied in goo:! t.i1l1" '""""... probi<m wi.. ...1Ilert!tmt, JOO ""'1' !me ... tight DOC " (1Zf ... _g_....Ol1...prt:pertYor"""'- Th<le...",,_ IDlbisrio.,ltt: " (,),.,. must !me lIl3ie thejlllltbze inyourb<meSl2lllp>; if no< wilJtin yourbomestale, widtin 100 Dliles oljOiJr,"""" auillng"""",aOO ' (b)d1e pun:lttso pno. ,"",,!me been more dml $50. These Iimil2lioos", 110' apply if .. own or oper.ue, the toodtw, or if.. lIl3iI..!!'>1 d1e-'"" for d1e prope<1'! or serria5. NOTE FOR OIllO RESIDENTS; n-.eOilio 12w~_n ~....111 cmii.,., .....cmii' "!"'ll1' _Ie" 111 cmii""""r eus"",,,.,. aOO"" cedit JepOrl!IIg ~__cedithisllJd!SOIl..millllividu2luponrequest. The Oilio Ovil Rlglus Commission _ 0llIljI1i=z with Ibis Ia SCOPE OF AGR.EEM:E!'l--Y" Th.is.~OJYetSyourpartidpationintheE:::p.ressC3shProgr:zm - Or _Express (the "l'lcgr3m"l. I.q chis~ the""'"' """" >Cd )aur" <elor " ille C,........"" who bzs 'PP1ia! :0 plttlidpale in ille~The"",",""'."our"m1"us"<elor:o_Express . 1'.""; __Campmy, lIlC, _oifm ille EJ:p"" c..h "'"""" in ill "!l'd1Y '" -' fer _ Expl!ss Coaturiao Book. The '""," -;our=iil......" cbelm.riceditOll cbeOp!ilItlCmf ,'=m/'!ill1"'l>"'''_aCmf..,_'',.,... f'orl""\X'"Srichis ,~Oll!y.unIess..specifrodleroiso!.cbeWOld"CW""""",cbe . ~Cud_"you. mc'pllingin cbeExpressCashl'lcgr3m will mleJllU III ...cbeCml:o 00c:lin0lSb.6:om.._rellerll2:hines(".o:M<"lo;ea>!dbr"" . bani<or5nm:W _lltzt~in cbel'lcgr3mmd"OOc:lin _ ~n..eea Oleques ("OleqDes1 m1czb," _dl=lyfmm'-Express~~.iDcbe I'rogr.mI ""'1' aIo> embIo 7""" 00c:lin asii..v.rOleques (iDdoling" _._~Gif10leques) ilIIoughocber""""'''''''rmr Iltlke_Sucltmfsml._Expresslll5po:!lea""~ _:0 '" c.bchines.' Mrr _1llIIle llIIdercbe l'lcgr3mis. ~ref!rred!.03Sa""J Ll"-Thewmls"orber~.lD .;=00;:".."...,. ""* opdaJs ..v.rocberCllil mI Clleque ""'" '..,;Q._ Express ""'!'..... anibble aon time III time. 1lle ""%1= ""'!' aIo> embIoJllU" ~ '" ocber,opdoas. ay usin! cbeCmflllobtzinoshOl'Cbelples......cbel'lcgr3m.7"" will be~gwi..uslO~_.... :1". r , PEllSONALlDEmIFlCATION NmlBEi Air<rjUl hzve _ill cbe Pqr:zm. ..will...." 7"" o....bJOl" clJoase,..,..""" _ -- /fImlber ("PIlI"). Each !lmeJOl wish" obtain czb, c.q.,."orocber......llIIder chis Pqr:zm. 7"" =sowlY,..,..Pllf 2Illi...0l'l""""cbec..t 1b""""''"''''''...... cbomzd '-"" m:le1llldor... Plop2m.1'>1- tm 211 _lep<eclllicm" prel'!lIl"" ocberpoz:lDlt 6:om.1em2ing,..,.. Pllf or using cbec..t!'or~ 1'lI1--la:epmrlltllOli3l OXlCIinilI3,..,..PIN """"""orwithcbec..t Other~ ""'!'0l''''''1' ootrequilecbe...riap!!l. IJMITS ON OBT.lJNlNG CJ.SH OR OiEQUES P=ndy, l"U ""'Tobtainaosll mlIOl' Clleque ..w..x. - on l'>l< _ClSi1Iioe.Tht=ilmJm,~cmobtainillllingmr .....daypedodis$l.OOl Ocber_ ""'Tbeinlpasod ,,""_ Also, cbe bani< opeaDnga_ mq implo! lis """ _ ml, for..,... rity """"'" cbebani<Ol'ccberpoMleaolOmds rmrhzve.alitia:td_ ontbeOJ.D::DberorZQXlC.t[!tci~ rn 110 """'"",!,)OOobainosllOl'Choques in....., ri,..,..crerlillioe. PAYMENT FOR CASH OR C8EQUES E:id:r. timeyca initiate:%~1'JUau:tb0d:22usorour-.arto c:Il3rge"1=cmlitlm.ac..hillr.o:Kzincbe_ricbeo-. The """"'" ol cbe..".,;,a sltdl, be cbe """"'" cfaslrJCll hzve "",.,jor cbe bee nWeol <he Cheques. plus mr ~... or ~ Tht...ord=g!s...dis:!oo!dincbe.So:tionol....~ enadm "ClIARGES.. Thisc!tlrge" yourcrerlillm. ~,c..h Mvalo!, _ is billed OIl yourCm!""""",, ' OL\.RGES The fee for""'" CISb ll3l!Sac:ioo 3l'l!xhiIlesb1ll be l~ ricbe """""'ol ille 0-. wi.. ",00 -= m11lD...mwm.AIso, an ClOIler of ,otacbine mq impose ,SIIlcltuge for ~ in addi"""" ilri""""" """feec.\argeiF<>rCl7eqlJe.,-.cbefee'l'Pliable"pcllCbzesol Cheljues sb1Il be I:' ricbe "" .....ol... Choques in jOOrbiIIiDg CJJrIenC:<AIso,tbebmkorprooi!erolftmdsmqc:ll3rgeyouaddilioa:lLn.s when 'PP1icb1e. FORElG.'1 ClJRRENCY1R.L.'l5ACTIONS Ifj1lU'~a~inaforeign~~willbe_inID U.s. dolWs on ille d21e~;, p."."".,. brus or our""", ata"'" selbyus basal OQ :lll in..m.nk, 0lUlist or (where l'qUiIei by Ial offid;d r.IlI!, ~ine:JCh~bruplD2%..Thist:LleattJ'diffi:rfrr:mr:ttesin '"""ntbe....oijOOr...-oa.E:q>""c..h ,...... '..,'infomgn CUlmldes """"""<I byllltllii1iaio:i banls orocber dmd parties will be billed at ""r.IlI!Sllld1 ilmksOl'om.rdmdparaes use. TRAV'EIEtS CEEQu'E REFUNDS You ~dtttrfj'OOOOcziaor1J2C1Jeques.Jllurright to ~3.~or replx:mem iitbcse ~ "" !C&Ol'or5lOiensn.ubeSllbje:t" 1IIol. Ebe omditioos ilsIei.,.,., . l"UhzvesigDedcbe~in<heIJ!P'l'!<it,""""inp:llIl3IZDIink;, . 1'>1!mellOtsigDedcbeClloqoe<inille""""!<it"""", .. . youhzve""'giloncbeCh<qo<s"""'"""l""""Ol'_" baldortola!ep.oraspzttrS.acooiiderx:epme; _#0 you!mellOtoso1illeClloqoe<in_ol""~iIldlJding,,, port of an iIlepl ber,poeoidtoJa:oro<b<rprobihum_ jOOr C!uoque. !me 00t been ""'" br ccurt O<der or brll""'ll" .,...- 1'>1 immedlar<lyoolifr..ri<he "'01' IImricbe a.qo,s;')OO_ 1IIf3dsricbe",orllm"..m1a1o>"cbepoilcd..asl:JClla: ' l"Uin1\mnus ri <be _ _ ri cbe !os1orll!llm Choques and' cbepbctml....oipozdtliz; . . ' , )OO~""_bmsmpmrideOloilb~pl1XIf ri,..,.. idemUj; 2Illi . 1'>1 gioI!0l1ll <talIJlllilI:inbmsd.nmdbelp reqtll!SI!d"...... ccmp/erl!i.~rid:e""Ol'Ebeil. We...... cbe tigtIt" ........<he. '.. ri"" !ossorEbeil. W."""",,""I'_OlI""a.qo,. , WRIrrEN llECORllS OF!UNSACI!ONS You will "'"'"' a "'*" cbe I!me of e:t:I1"""""" "al!xhille d=ibing...!l:IlA:Ii:u. rn DIiIloa... will mt cbe Basic r",,"-,- aOlOOlblrSlD!llJem:~cbe.....ricbeCalll_2Il""""". -. mI mr charg."..... inIpasoI.lf.... ""1lD . .. uadei cbe !'rogr2m in a pcIi:llbr-. .. ""'T""'mt.......-. s -..,,,. ..,,"". '-"""t'f'~"""'''''''''''"I'~ "', ~~N'_ ~. ...."'"""'.,K".'.."."'%.'n('it~I'fnt1'lmm ''"iT ~ UABlIlTY FOR UNMmlORlZED TRANSACTIONS AND ADVlSABllIrY OF PROMPT REPORTING Tell "'.ll'OflC!: ~J'lU belieo: "'C'!dar)'lUrPIIf "" "'" ....SIIllenar IlSl!l!wilIxxll)'lUr~1>i<p~~...best"'l'of_g )'lUr pemble Iasles. IVowill "",bold J'lU u.hle '" my \IIl2IlIllxilzd I!:IIlSa:llaa <ittid1= arJ'lUaddfr'" of..... ....arp<llSil>i< tmm- illorizol "",of... Unlaqoor PIll rn my....."'" ~J'lU12i11ll addfr 1lS,1'JUf!tlbilityi>rmr'-''''"'''''',""""""",,,,",,,",,,ofcotu.dtmm- illorizol ""_ sItdl,.,..",,,d 150. s", cb.seaioa!lllitlat "IlOWTIl cO!mCl' US" be!ow. OUR LlABUIIY FOR IMPROPER TRANSACTIONS OR P.'\YMENrS [f a ~ is notOJmpie!edas JW_dfreadorif~ do cot """""'.Il2n5I\!r,,cr.)'lUr=litliIleoo time in cb."""" _"wiIlb.u.h"'''')'lUr'''''''cr~~dlele~ scme"""P'ioos.Wewill""'b.Ii2bleIll)OOin"'~-=, . ifd1eir.IllSaclionwould=fcb.crelitlimitCll1'JUfci.dit1ine: : . if...lIacl1inecrc<ber_.....I'JUan:lItIl:ingille_., ccn dces cot .... eoougb csl1 cr Oleques; 'i': if d1e,MadJice .... cot wodting properfr. and JOO mew ibis " !he : timel'JUslWd...-- ,I ".! ..---...., . ~ I ' ifrnn"""""'- be,..niJur=lro! Csudl" lire orffo:d) _ i l!Je-....dtspi..~pzecatI1lmsllrotwe'"""_ ' . ormyc<berempliomSt...iintbii~ ARBITRATION TheDnl_ isp<medbyl!Jeprevi<lus ~ The~ provision 0llll3ined within Ilrot ag=oott '!'Plies Ill, this Agiement P_ referlllllrotptll'ision"jll1Jre:Jdthis~ ',: DISCLOSURE OF ACCOUl'iT lNFORMAIIONTO TimID PARTIeS In OrderIlrot)'lUrpm..q"",!,b.pro<ecl!d, ..wiIlcot_illljinfultItl- tion about yoorExpress em .......ti"'. III my peI>llI. """P'''- L3S~toCOD:l9ie(etrmsaclions; llllveri!r"'exisll!ncoandcoodili<Jncil!Jec...d_i>r._ party, such as 3..fimmci:a! institudoa or 3. aedit bureau (rn;fur,y......- -.s. 'OlIlSIlIlleI"reportlng'%""'Y "defined inCb1lp<er93 cicb._G<ceolJ Laws); J,1ll""""Lywitl1__aralUItcn!eIs; tllliJur""P""",,!tIJdim,servio!prcvidels,""'''''l'oorOJlle:tico ~in..."""",citbeirdulies; 5. ropersoas~bylawin theo:n,meafthetramcwduties; or ~if)OOg;,."'jIlUr1'1l'illm~ HOWTO CONTACT US [f for 'JEf reason you wish llJ contICt us about the Emress Czh Program. about yoorpartidp2lion in I!Je l'togcm! or about ~ rebling III 1!Je!'rogI:lm. ....croll"'" __ E:l!lressThoel Rew.d ~ Company, f=, Express em Oper2lillllS, EO: Bar 27U84. G<=sbcm. NC 7J4tl.5.1'lXl-O.9H'iOW (24 """,.day, 7 d%ys. """j. IN =r: OF ERRORS OR QUESTIONS ABQ(jTYOlJIl. TRAN5.lCTIONS Wrilecroll", '" tile ClllIJberorDhess gr.n above """'" ")00 CtlI ~ )OOWyoorsl:1ll!almcrteC!iplisWl1lllgorif)'lU""':\-iDfiJIm2,. tion3bcut.__...yourstm!llll!lItorteC!ipl We_""" from)OO 00 """,tban60",,, ."-)'lU tile !lllST_oo .mm the prcb/eaIar=appemr!. L Tell "'yoortllllllem!c...d_1llJlIlbo: z._tIle.....arthe_jalan:llII5llle.oo.r.m! "Pbin """"''')OOC2Il wbyJ'lU be!ft it is m """orwbyJllU aeed.DJCEe 1"J:.m..r~I~.. J,TelltlSthedcll:rr_ofthe~""", ~JIlUoIl"'caII!;"""'I'<eqoiD!tbat)OOlt!Ild",yoor~cr queo!oa in wIillniwilflinlO _. from thedaJllU-'" WewillollJ'lUtIle_ofcar~wilflinlObulinessd%ys" ar.. """. JIlU m!..wiIl amec:my emr~ u...",.:\ .... time, ~ """,!,'*cp "'4Sc:diDllrd%ys lllimesligoleJOOr ~cr'l""'f<n 11..do:idelllde ibis"..wiIl""""'tbilyoorboai: re=lil>yoorC>edl1liDowilflinlO1JmiI>5d%ys" ",the _)OOW is in ""'" 11.. SJ'lU Illplltyoor~crqtll!llllll1inwtililli3DI.. Ilt ,_._. ,_,~Bm: lv~~~iWWM\I1~'''I~m de cot ..... ~_ 10 busiI= d%ys" fnllcwing yoor ar:U n_an. .. ""'I' cotnmdityour=lit1iDo Fer "","':'- _ ilCIGid< I!Je U;;, (and in I!Je ""'" me,.... __ fen <eOJlJing from my pciIIl4....debitcml """""""'l. .. will !me 90 cliettdard2r-lIll""""le!ecur~llllIess_cequiredbyi:>>< ~ll<lIilic:ui:nofatl""',...yoor.\c:Duntis~_3Q_ "",aryoor!m_ is cpece:!,.. >ill !me 20busicess ""''' pto'ide )00 oiltll!Je resuiJs ci ourimesliptimI and"""" 'Irf """ and 90 ~ III """"......_~ [(we der.em1i:oedtu.lhcre W:IS ca ~ ~will~j'Ou 3. wriaene:cpf:ma. ticn wilflin3 busiI=d%ys Jfter.._car_gaticn. UpcnjllUr _ wewillplC'lide)OOoiltl"'9;"ofcb.-'Ilrot..llSl!l!in iJurinresligaticn.1!......provisic<tdlr~)IlUrcreditiinedurin theimesligatiOn:mddelr=inellrotdlele...."'= ..wiIl"'tifyJ'lU g cltheda:"".mm ..wiIlr.debit;wr=lit;m., andl!Je at1lOOII' III b.deilillli aUSINBS DAY fc'puq><>es ofthis~curbusicessd.j, ue!.lood.y tbrough Frirl>y.~an:oo'_ TERM1N.UION W..ormy.~'_cr5nm:i2l~""Yo:Ilcr"""""my or!l!l.rrMsor_crlimitd1e","",prooilol_notifiingJOO befu_In-'''''''Y-...thePtcgr=at'Irftime.We . ""YaIlc .....!OO<~Ill~ inl!JePropn. but ifwede, we will gi'Ie'/lluwtill:e1r1C1i1:2ci.sud:1rao::uioo.. YOlllItl.Y~yoor~ tion in thePtcgr= but)OO _dc" bywtiling ""'''' I!JeDhess disdased in I!Je ""ian of this ,\gI=tt enIil!ed "HOW TIl CONt\Cl' us. " Yaurdghtlllputidpa1l!in 1!JePtcgr= oil! aIlcbe~ if thee.,,; kO:llmtis c:moilled.forarrr re:tSOO. or the CJrd.h:cJunt is aotin gocd st:m<!ing.Weresenoel!JedghtllldoJ?'m_fo,'Irf"'l'J"Sll'd__ action for any other ~ 1! you close;our ,'=un,;ou ~ III ""tify '" iir.;t and III step initimcg __ Ycu_"pay",i>rmyClleques.cl or,.,.,.",whicl:t remain uup3id. after ~"",ri........ PRIORAGREEMENT AND.'-5S[GNMENTS This Agreomen' __ and cUEs cb. pbe: cI!I!l pdc, AgreemenO you =r!me wiJh '" rehuing IllI!Je Ptcgr= uzing I!Je ap_ Uutl. We.......dghtlll3Slignthis~Ill.~or;rJ!iMle _"'my time. ~;;?ff- AlfredHelly.J' President Coosl.nm!r C:ad Services Group For JQur.s:3futy nen u:sing ::tI1_-ITX. please obsc:'ve the fon~ If dJeXI'M j'OO 'ZIe usin:g i:5 ioside;;l.~ dCl5e tbe.e:ntrydoorcanplelely upcoen!eling.lndividu:dswlJolme'~""':\Illg>1inOO=Ill:m mishouldlme.ctlI!. Tlietem:qb.~"illllIll!hadml""", g>1in 00= III atlmi_llrotan:be;oo:lminlivilhW's 0lllllCl. l'utwillJdmm csl1 or_ O>tqces in.""", p... befutoolejlpiDg """f. 1!JeXlM. ae_ofJOOrSOtrolllldiDgs.~)OO be!ft)OO an: being_lit fnIIooed,<:iIQtZ!yoor~ il>!!1!O III ,weII- pcpubled-.11_ollthelo::dpcli:z. . J)) ""'_yoorPlllCllllJberooor_theGlld.llc ""'gi'leyoorPlll ClllIJberIll_....rn""'d.m_oll91I. ~CllDCl!llliq""""":llm_!:l;m>llispemerllWdb. _Io,...Dhess_IlI>lor"llOlVTOCIllf1JC1'us.. "IU''' -.l._d'!s_<ilO....... l'IollC4i/tJitfirheng.-doibT__atml_in _lfri cu, and/or", rO{UinJ bT/caJf. rqJJatimr< NOTE FOR MA.5SACIlIlSEIT RESlDENr.i GezIa2l Dt5do:sare ~ ~ AnT,L ",10-, I I' JKO'KIed to j'Ol1 whicl1_tbat:m_........"""'s!IlIllbe_le" erido>:zof"""'....m1s!1l1ll_plima.f.Doprccfllrotsucl:t ........ """'- 6 '!If ,'~"l,_' , I ~r rTlIl!~T'~l' , '. ( c ~ '- , "11'~!~I~'&ti"~0nr~_lM-:'~AA\'('t;il-~!!!r-@W;"0!_1Mfr-b":j!!i~ij!~i!jijlt~~',;, ,",i:i;"~ "~- ~~.~. '" , "." ".,'~,~~" ,'~,~ 1he _ brJOOaI<ZltIin,-_....... from ywr- ri!."",!" "_pol'idedin illislpllll!lll. 6:liI<lr- ywr.bililr",lIq> l"l'-'aI tbe ""* lJ'DIess adIenrise p<OYidcd in dDs~,... oar _ Slllp I"'l'"CDt of,j .-,: _ ~ 1bcrcfi=.,... sIIoald _ cmplor d""""'"'......m.- Pardloscs ... scrrica lIDless ,... ... sodsfied dlol:,... will _ _.. Slllp paJm<Dt. IHscIos1= ol_lDloamUl... .. !Ilird P:trtics. ~l"" gO- us yoorwdl:l:tn .,.~rinn ra cIbdcse inixa:tDiou.:dxIUt:rou.?OW' tud: 3CCOlJrltorthe f ,.(dtttyoum::Uz'!I:l11!~th:at~lm"n.,..,ri"" sltdl "'llllll2licfrf"'P" 45 d2Js _.. ""'"" iI. . Opti=d Limit 00 ObtamiJIg c.sIL yOU..... tbe~ fa _ ......limi1tbe fatI! """"",alasll dtzt,JOO""'7- from:mIDI in .siagle'"'rfa $50. ~JOOelo:t illis opdoo. ..wiIl.....a """""",,Sleps fa """l'lrwilh ywr..... ., oJ: ''7''''=E>Prmr=-~, ",,~i>" '7~ ", .."... ....:, l'f" ~~""""'~;;;,... .",;".,,3 :,.. ,".',.,,~~<~~~;<r.:~ How the Pur<:hase ProtcdiOlll'bot 1I<>rla.. on;;".;,_ Express' c,.nm.mh,r cb2Iges . co...a plI1Cl= ioJii<iY,I;m !lis or her Cant"""'""tbe_-'PbaptO<l<lS~tbefIalmi ~~fatbei"""pmcllzeifur\'Oda,sfra:atbedau!aI pun:!=. 1lle ~ .1imi1Ed fa $l,iXXl per lJcaJmnce. op fa $5lI.iXXl per Can!membor ao:oont perpoliq}"'U;.mi. in = aI ocher""""" ofinsur:Iocz."o ,:'1" HOWYOUB~ " ltemsolJl<l'Oll3lpropeiiypii.:hased.._wilbtbeCant"" m=l.ilx!udinggiflsplJl'Clwedfurodl= .Is . c,.nm.m,,"< jOur putdJze is .""".d fur \'0 da,s from tbe d:ue ol puxcitlse when JOO d1arg< tbe entire price of tbe puldwed im oilh_Ccl"""",,-' 1lle _ PloUJ:ioa Plm provides,_furop fa $l.iXXl per <Xl:lln'ell<: aI tbefI or >:d<ientd dmtlll' ("to:mreoce"). llll' fa ~ llU,iXXl perCan!membor _llIltperpo!iql= 1llel'ul1:lwel'rolecliollPlmprovides_attbe_oi tbeinsurer,farepairtbeJl<l'Oll3lpropertl;"fa"l'!=itwilbtbe same or sub:s:ami:tIlr similar iJ:em orID pa:rcsb. (oraedittbe ~S_Exp""_IlIlt~.""ID~tbeoeg. iItJj purew. pli<o, _g "'" mi shiw~ mi'iwldIing """""" when tbe irem ... cbmgedeolit<lroilh tbe Ccl' WHO IS COVERED '(ou:ue ellgible ror~ if you are :LU.s. ~Cardmernbet tltuis,. tbe ,_ Emress' Cant or 00_' Cud in ~ wilb....Cud itl:s = ~ to you in :1OUl'_ and yourC:m1:JCCJlJI1t;S billed in cr.l. dolW:s from:lll ~g a:mtrm the U.s.' KEYTERMSTO Ia;OW 8enefuswill ""be paidil, 00 tbe dau!olila:lIrrelloo or 00 tbedau! ri d.im illing, my SlIJO\lll' '"'" on_Cud """"". unpaid fur ooe or more billing qde{s) or yair Cad 'dCCOtlQt is c:mceUed.' roo must ~ p<oololpoxdtzse mi~p<oololtbe tbefI "_Ouozgewttile~.in"""ID<[03llfrfor _under tbe _ PloUJ:ioa Pbo. ~ 1D:o..p 1ll )'lUr ,_ Exp=d1arg< <=ip<s,~ """<=ip<s, mi ~~. , ~undertbel'ul1:lwe~Pbn.E:<<:ESS;illis= dtztif.,tilletlmedIlo:utreoo!,JOOIme_..didmi ' cDIIeaible_orilldl!llmily-so:h35lmlllXlimil!dlD hooJeo,tr...:L ") ortmtr's insarm%,. or ~ ptaricW. by a dmrl 1"rt'f(~~asbippcr)-ille__Pbnwill""",dtzt 3lll<X1DtIllXOlO!le!brsuch__oriol!mnitj;oplDille Iimilsdille_I'ro<odloaPbo. . P{;'1tCR.~ Nor COVEll.EIl . -dlo:l3.ilcRosolmy!cind.DqIlli3bleittmum::n.<.m::>" jllOIIJislrJrr 1IllD!S). C3SIl or il:s equi'nJem; _orlirin;p/allI3; """"""""' orpertsltdlle ilmlwilblimil!d"" opms <.m::> as, but "'" IimiIEd 10 podume, Ugbt buIbr, _); CI:I<d...ouilr.--'or~iJzms; ~i""7'~'-"-'~'"'_~""", ,~ . 7~~1!I!I!"~f,l ~ ""'-,, r . ~tbedm=golOl'lllllm ilml""",,"d2tticl.es in . pofr orser, _ wiIlbolimil!d 10 .. """" iltm tbe nlue ol mypmi:ulu pat or palS. uniels tbe _m:,~ IIIdmduaIlr mi CllDX bo'<<pbad iDclin!lI2lIr. ~ d:my specl:d ""'" tbe W:fe(s) ""'7 Ime Ita! " patel.... arcclle:lioa; _pats, indudinglm""'_1D rims, hu!x::Ipl..... mllllllillm. imbIleIor:lll:ld>.lin __ (such 35 inOlS.aucis,~boats.1ilpImes.orridin;I:1vm,"""",): __mlIorbusiD!>sBmats, it>:IIuIingbut.., _10 capelin&~mlIoctile; . il1lsinrssBmats,iIldbling,butlllXlimil!dlD3ir"",,"~ ~~ . alllIJIl1bospitd,lllO!iclmideotlJ~3l1ddems; . r.nesampsoccoins;: . _lest, dm=golor..... under ille"", ml CClllSOl ol.1l1ild pmyorClJlItmlXl.~ . _slillunder__billiog;mi'. ooginepamforall__ OCCUlUlENa5 Nor COVERED . ltexm lost or mispbcet " . i""" ""lea from ",,,,,,,,,,ills; 'i"""""'_lysoiogu:udedbyjOU; j...Jrr or_lllllm fra:a bag:lge "" curifdby_lJllder )1lllrpet>l<l1!__orundertbesupcrvisioool.<nreIin; COlII]l'Iliot1 previousi!':mo.n by:""" items d=aged dlle 1D..mtl! """ mi Ie:!< inberenr product-. abme,or"""","=rip"'r (fur i_such 35 go~ mi ""'" b21Js); l!l)'l2licus~ """""""C2llSfdOy!loodore:ltlhqualo!; frolld. w-arorhostiliJj"s oimykind(~~_rebeilim.inslJm:cIicn);_Oy o"""oimy ~ publi<:mrho~ orCllSlllmSoffici2I; rtslts oicoamnd;illeg:tl~tyor'lCS;r.trlioaatw:~ HOWTO FILEA CLAIM Rememliei; fa i= prompt p""""'g of)1lllr claim. JOO need 10 report my 00 ordmtlll' iIomedi3leIyfollowillg tbedau!oitbe ~ including lheitoc~ fa gifIs ptm:!lllsed oilhtbe Ca1d. R=ber,... JOO need 10 retlin)1lllr rec;p. mi)1lllr ~ item (i1 "PP1iclb~) until the claim pro:e;s is compie L c.Jl faiHree8llO-,ZH!i71D report)1lllrOO or~d3im (_cill",lIeaat;O;-1T'~98), No,," You =at report pR' d4im aNbin 30 days from ih< daie oflJa=mra. 1. Yootwty'!iesent.__ClaimFom1wbich1"lllllllSt """lllere, from mi bock.sign, :rod = fa tbe claims oliice wilb tbefoiklwingrequinrlO:c.imett..(la!epcopiesiorl'lllrown"",ros): '. tbe_Exp=cho.rgerec;p~ .tbeoriginali_"""~ . theinsarm:ecfer:f:antfoofoant(or~otberSOUICeSotimur- aJ:lCe or indemnity (e.g.,.~s or~ imut3nce.or -provido:lbyall1ild?1"1); . '~olmllor"P"r_,furll1e~im (~_colyj:mi . fortbefI_onlj;.report~ille""lellilems_ IlllIStbei1e!oilhtbepoliceor__d21l!securitroffia wiIl1ia 18 houa oi tbedau! dCc::ll=. No,," ~ I7lldrrlumJO'#'C1Jm{II4ed _jJnnaM ~ dx:mrenJ: _ OIJ daysjom Ii>( ifi1#<f00::trrlna.. ~ At illedi:=m eltbelilsmlo; mid Ibeft ordmtlgea.;;,;,1riIl be - breitber "!"friDg illed:lm2!l'i item aropbcing ~wilh ille """or, ........"'I1rsimi!:lr_orbyC3Slll"'/lll'D< (orby. ~illec"'" ",-._ElpIess"""""'l.inm_ "'" 1D.",.,j tbe<>iplOlll, a:lDdiog_ mlsbippq mi ' bmIIiog '*"'" d tbedlagod. irem!.>).' :'!"""JIb/>J]71wltrilbr""""OIfatrJdIlintlix1tiz1.lllt ,-.:'--oIf-q-..l in dM 1NI1t1f61"tJ:{t1ira:J by d:tt1mu:rer. t1or~c!aims,1'Xllll2l"be~"sendinll1e~ i"""(s). U)1lllr-.lr......_riJOOl"cbim. 110"" if "'{Ud<<i. JOU.-smd in 1i>>d4rnag<d _-. 30 days ftom ih< daie oi "'IfI'#. 7 1 ~ '1 ,~"~~ \ - -= "," ""," '~"~h"'"1l"nm I iii ~ IMPdRLl,.'fT ADDmON.U.INFORM.U10N FOR YOU The """""providloillllller !be l'lIIdtoef'tolrdiaq PIm '!'I'lr"""~ "'u. Onl'f;ou""",mrlegalorequitlbloligbr.~ordlioi", ~ pnx:ods mflor~llIlIIeroralisinglnm 1be1'ul1:!toe_ Pin ,ill """"'"'"' md p=icl_ _ be CIiZIl ~ mid or """" anv t!Ieft of. or<bm:lge", P"'I"<tr~by Ibel'ul1:!toef'tolrdiaq Pin fur 1I2lIlple,llIIIocRdor1lll3lll!lldmiL<msSlll/enlnmpullllc_wiJl"", be",,=! When a benefit b2s been p<id IlIlIIer m. _ f'tolrdiaq Pin m. I=rerbecJmes ~ ~!be _cisuch payment. ~ ill)'Cor "glI' md,-~mr~Ie_Uponour_ you - provide us _"' ~ illduding ,jgningcIcaImenB if """""J; ~ bringsuiCinycur...,., The-_PImis_""Iiv,1MEXk==Cammrr (-Imuret").'--OlOO!.""""aa,;'"-.1his<l>:llmeOc"';'" ~"adesdp<ionci_ and~ ""af'lli:rorCllllllXici~ '"""""" ""'" Cllldilicns ande:<l:!uoiom ciPoli:y .ooJ9514"Polic1'J I"""ll the__ Pin The Pollq bas blm_"'_f:qlres; r.... __Cllmpmj. iDe. ("Im::bn f:ql=");;. ~ 1his_<qJlacesall_gpriorCecip<ioasof~for,"" ' -_Plan. I:: , ' , ~9 v. #,4 -J,u.k.Presirlenc rJOlOchylfecltin.So:::e<Jr(' A.\1EX r\ssur.Jnce Company ..\ME{.~ Comp:my: 6J26.U-97 2J')8' I. For _ digib/8 and mmIkd", Memher.ri1iD R=zrrfs. the eMre '"" of. =emf prodw:t may a/JLJ iN ~ IiIrough '"*'"PHon of. ,1IemiJminP R_ miemptian rzrl#iazt4. 2, Far _ digib/8 and _"' Membedrip Rauanfs, Imuftis "" """paid when the ptar:hDsed """ is ~ IiIrough the '"*'"PHon Of. MemiJership R-m '"*'"PHon rzrl#iazt4. ]. Drws""'uppIy;,/i..,yoriSJa1go<!Sidenl:t i. For _ digib/8 and mrolkd in Membeni1ip R-. pa'ft"C'I or a-aiit wilJ "'" m:eed the original ='fl"" r:aw. of the per.;rm4i prnpen, m:zivai Ibrough '"*'"PHon of. ,~emi1ml1ip Rm_ '"*'"PHon 0!rlijiazIe up ;, the""wi /;miJs, e>xiudmg "= and _ shipping and IxmdIing erpenses. ). importtmt-for _ _ in,~emi1ml1ip _ A Memi1ml1ip Remarr/r '"*'"PHon -..f.rDIs am aniy iN """"=d by digib/8 CarrIm.mhm. 8en4iJS wilJ "", be paid when . Memi1ml1ip Remarr/r '"*'"PHon ~ bas beer inmsfen"ai '" """-JigjiJ1e CmrimembeJ.andlor~ ~ Drwsnatapply,,_yorkSJa1go<!Sidenl:t T, ween digib/8 and mrolkd in M~ R=zrrfs. prccf of <mignEd """"' p/aad an =h properlY WDen using. Memi1ml1ip R_miemptiQn artifiaz/4, _besulmriJb!din _" the oiI1errtqWo-.l~if~ 8. _""'uppIy"/i"'IlriSiaJR_ 9. For _ digib/8 and mmIkd in MembenIIip R=zrrfs. paymenJ or a-aiit will na/ m:eed !he original ='fl"" r:aw. of 1M pmottai prnpen, ~ Ibrough ~ of.J!emhenhip- ~01rli/ia1i11UP;'IMs/4ilId/;miJs,-g"=and shipping and banding "'1"1'= ~~~~~1g;l:}~~~~-~1~~ Ho...The~'", -Plm_Wbotm_ f:qlress' Cadmemborc:!lq!s tlie_""'ri.~plQb:t'"'" bis orberCad _ tlie am.r'!........ Plmwill-.llbe II!IIIIS otlbe origiItll..........."',..m.",, for apodllllritlll>! equal" Ibe_ <ilbeorigiltll~"-'-i~up"_al:IiIIcmlJ"lJ;"'1LS. """""",ria.."""orm HOWYOU BENEFIT . ThelluJots~PImOliIroi:l................"""""",for ~ ptcduas~ellliIe/y... ycurCadzmmr.up ~ one >>IilIaW )'<31: . When ycur~prodDai ~s_ expire!, m. ~s",,= P1mw.s_-~_forproduas ccstmg no.OOl or less. <Xl:fudlng _ (m< ~ ex=! 150,000 per C:mimenber:TaXlUllt per;olkrl= iir,jj il<:altm= aJtIlbiIloj). . ~is{ll1l'idedformrplQb:t~I."""","""",,,or <bm:lge~by tliel!mlS<ilbeproiua'sorigiml_ ("Oc:Jmoo:) - "till"",,=. . ThelluJots._Plan."tlie_dthei:1surecwill repa1l'!be~_lllilli:ing.,'~.\mmcmExo"'" """"''''''''''''''PJ..,,~''',",=orSlli::s::mJUily~ 11l!m;i>'!ash;(orao:!ittlie~_E:q>= Ja:OlIlIt") aoC10 =1tlie"""""citlieorigittsl p<nclJ=pric:, ~-wdlllippingandlta>iling_ri_ propertyw!lid1 b2s blm dtazgelellliIe/y,,"," '"' UId.' ' ~!be~P"'I"<tr_ri"""'inap2irorse!,lbis Poliqsftill be Ii:1bJe forOnt: [!em in tf:eo:morsetwttich form the i>ms of cbim ilereunrle< ' N'opttdur::t~or~Umenti:s ~foranrc:rrw:ted p~irldudinggjfls~for,,"= : WHO IS COVERED You ""eligible for",_ ifycu "" aILS. "'lidentCmlmemhel;"",,, the._~ C3rilorOp_'Cadin~ with "",Cad bas blm _" 'f"u in your"""" and your Cad "",un< is billo! in ILS.' dolI:.ar:sfromaaoper.uingcenter[ntbe'a~' . - lCEYTIRMSTO KNOW . -"wiJloo<bep<idif,,,,!bedaieoi==oroo!bedaie of chim fi1ing, :my amount due on ;1Wr Card aa::Jtmt is unpaid for one or more billingcvcle{s) ac'fOurCJ.rd umun! [s CUlcilleeJ..1 . .You must provide p~ of putt:hase m:i sWiaaJry prooi of the ",,-.red Oc:umno:whiJe _ is in""" '" quzlift rorbeoelils lUllier!be 8uye(s "=,,, P!:m. R=ber 10 keep ill1"or .~ f:ql=dtuge =4>" o~_ =ip<:<, origimI ~"""",",,wdpnxWa"'!'Jirin!lrep2il: [fyouburmadditioa:al.seniceClJ1UI:iCi:ormextendedsmre _ for a pwciwe i!ttt aiIo>Ir""""wiih., origimI U.s. ~s__lUllierm.Ilujer's~PIm ~ not uppIy. If. oo...e.; ycu pmciIze.,_ Express' Service PlmJ with a pl.ll'd:lase from Ame:ric:m EJ::oress Metdtandise Sel'Ii"" the 8uye(s """""" PIm wiJI "",ty ""'" the Sel'Iic: Plan is ineier:i .. Any asSembly, pro{ess:iorW. advice, :TI':lin~..... or mtillacion ch~ inomed. at au. :u!ditiooal. o:::st fa conne::rfca with tf1e pUIdtase of a ~ proiucnrill no( be: ~ under die 8uyets _Pin PRODUcr.; NOT COVEREJ . indivWll proiuas amiug mote tf= no.COO; . f1roduasnotpurcllasedintheU..s..itt~orDC5SeS5iOCJS; . produas... man,""",=, warr.mties lming in ~ 0/ five)~ . 'produasaotb.ring_"",,"",,_inthe U.s.; .:....t,robuill,~or~"';,..""',!i,""'; . :pr0ducr::5OMIedbrmltnn"tr'ltli~Igu:n:anr.ee~bya~ or a ~n""'''''n.....1.o !ep:air or repl:ac2 the pttdua at no 3dditimtd 'ccst,intbeell!llltlieproduc=~i=:itlll"promi9>J; '1llOlllri2l!d..t!ides (such "cus. cro:b.OXlIIll1:)<Ies, boaJs. laiIplmes, or tiding I.wn 1IlOI'OlS) and Wp2l1S. subject 10 biglI ; dsIt. _Ie _and... orCllilez!:el!ipublicm (induding . I>u2ries. c:sdlonms. p;p... hoses, pilms, bail!s, tire!, or 1IIllIlJets): .ICIlllO:lli2Eddericzswdtheirpms........~i2lldsclping, , 'I,dmiolililm or~ wbelheriir~lesut<or , ,businessuse; ~I__dericzs wdwpmswhi:h ""pemtlE<Ilt_or ;1i:r:mtes".resillemi2lorCllllllllO<Cialboildin!; . ..,'I,.~"~~~,,,~m.dingOOttlllt_""'''''''';;- . bad or buildings; . l~orpmsb:ableit!mS; . '_ or Iivillg pbnls; 'ItIlI! of. kmd. proiuas.nidl Cll1lIOCbetepf3:ei; wd . 'iD!ms stiU IIDd<r imtIJIment IliIling. 8 -~'" 111 n JllilUnlfF"" "1,1iii1C~r ,. r " c ,"~'-rffo')"t)."I"~;I""-.i'ifl('-'i",1i,,,>:,_;_,q;'\.'iF':''N+'flijcl'~')~1iC' i!,\~-~~.~. -,. -~ '.'J_*",'_ _,~_ ~__ _~""~_,,'_,~__ ,rl'" ""- OCClllUlENCES NOT COVB.ED . dmtzge.<mp<"dl!_dl!~"""""l' """"'~ , . <Xl:lIn2IXl5 ""","by IIood orOlllhqum; frml........ ...or__ ""cI",!,kiod(e.g._'-';~'" . ');m' " by onfercl",!,p!:lIllIlOlIf.Jl'llllk3lllbDj;or_oIli:i:ll:liskscl ~""-f; iIIeg:d o::mqor3CD; -~............ aOWTQ FllEA a..uM R=bo; l"",.",j" ""'" ",!,<Jo:um:oao ~foI1Doing dl! ""'cldl!CIa:umlloo,iD:lIxIiogl!l3tfcr~~oilI1tbeem. _,"",l"",.",j"_yoorl".;ptt,dl!<XiPtd~ """""'fanddl!~J"Pliring"l"h'1lIIIildl!d2iml""""'is~ 1. C1l\ _ iOO-l2S-l75O and.. will ditoctl""" . opair f>:ililr (.........olI_"3l&Z73-6498l. ' No<<:: You ""'" rrpart your claim -. 30 <lapftpnt.; tbs"'* ofOo::umna. i' ; 1.1< dl!_cldl!liloJre>; l'2Iidd2imswilll:e~byo:i!b!r ~dl!ptolo:tIllilizini3I1'l'1"""'i-~'- lelVio:r,~~oilhdl!.....or.lllllslmli2lly~iIem;by aslt_~ (orbyaedlllng dl!~~Express _), in '" m>DUlIt 00<" ~ dl!ocigiml_cI dl!c:bargol i2m(s). exduding tms andsbipping and bm!Iing """'*' Norc: No paymenJ aNI. be"""'" on any claim /hot it "'" .~intbs_"",,",b7tbs_. 3- rau llIlllt"""'" all'''l''''''''i "",,~~...., wiIbin 6adoysfrom dl! "'" cI Oo:nnonce. . .' I, 4. For ""'" cbims, j<lU rmr I:e requiJod " 9!Ild in dl! dautIged poxluct "yoor_fcrlintbere'l2iuolionclyoord2im." " Norc: if ~ Jf1" ""'" ""'" in !bedmn4gedprodud-' 30 <lap jrom !be",* of ro;uest ADOmONALlM'ORMA110N FOR YOU Tho _~ powided IlIXierthe iluje(' """""" Pbn '!'Ply oaly" j<lU SIll! sddilioml c...~ on yoor """""'- Onlyl"" and...._ Jtm. "" Iepl or eqWl2ble oy,~ ~ or d3im" """"'" p<=:ds mor ~ IlIXier or 3lising from dl! iluje(s o\S01S:lOO! Pbo. ~bonkruptqcldl!_or_~leP"'1llor",!,- ""'" OCOllSwbich ends "'l'''''''''''beiixe or.n.r 1!uj<r'3~ _is in eifea, dl!Bujois"""""",,Pbnwill_"Jl"l'ide _ smxtIing" <be """" oldl! Pbo. OOI""""'! Olley=from llie "'" of sud1 """" 1J!XXI rec;pt cI plOOffrom dl! CnOmember ill dl!_ ri'apubIic3lJl'lt'll~r otatheroffid:a1r1.-n_MI'itrrI ri such e:I'l!Cl. The iluJer" ^"""'"'" Pbn is __ by"-"""'" ClxDpan'{ ("1murer"),_0Ifice,Ga<nBa.y, """"""" llmdoo.mott """'oalyas .deoaip<ioao1~ and is 00<1 palicy oramr.r:cI """=llie>elU2l......""'"""""and""""""clPoIicy.\XD953 , ("FoIicy") g.mm dl! iluje(s...,.....Pbn. Tho Policy bas been....." _Expressrm.l__G;imp2IIy.lIlc.("_ E:q>ms").lliel'oBqflo/do:llmdoo.mott~aIle:dslingprior llesc:ip<lcmof~"<beiluje('~Pbn.. ~9'~ ~~ -~a.r._ 1imolhr-.s.a.r.rr "-^"""""'ClxDpan'{ .'-'-CaDpmr 6m-1I-W li')8 1. FOT _ eHgibk ami etrroIkd ;" Jhmbr.Jip II..-it, tbs miin cart of a CDDtnd produd""'Y """ be Jl"Id=td Ii1rau!i> ...... .,...,.. of a 1f<m.>...J.jl_ re:2mpdon 0Ilt#ia* . 2. -....app/y,,"'...llri.-"""""" J. FOT _ eHgibkami etrroIkd in J/o...o....... ~~ar attIiI aNI. .... =-J tbs ariginaI Gptd... ofil!< pr.art1i' f1'tIWI1 ~ tI1roup . A...pIh. of a Jj" ! .J.jl_ rwirmpdm <rifiazto up "tbs _ 6oolr; e:dmIing..... ami ~ amihandliirg.- { ~_p._etrroIkd;"J....o...""/Ismni1:.l Jfcn1w.rJJ;p_...a..~..crifi:z*_attJybe_ b7 eHgibk ~ &n.fii< 1Dill.... be poid'" a !O'-'Pf',' Jfcn1w.rJJ;p _~ <rifiazto ba<been Imns{emd" ~~=ilar_~ 5. _....app/y",VezllriSkltz_ 6: Doer....i1fP1" ,Vez llri S/a!lr_ 7. Far _ eHgib/4 ami =olkd ",.lIemi>ed1iP aezrattfr, [XrJ1MnI or credit aNI..... """",tbsarigind..,;pd "'oftbs~' JI<OfNIr/7rra;".j~ ..&:...pd>.. ofaJl-,.o...d.ip_ ,A..,A.. <rificzIz"P" tbs_...... ~"""'ami slipping ami baNiEng <:pet=. ...~ ~-"__~lOo\O"~~'<::"~~ "",,,~=..1\t;:F."""'~Qim~.!""i:f1! ~, ""~,~~t,~.-"-':,~~~,.~~,' ',.,"':;,'->.,'~""~~',-- ".:;J ~. '..-~.- ,~,.i)_,... ,...__,. .._~_,'~...~''','_, ..""c., DESCRIP'IION OF COVERAGE GirRmclLalsand~"",=p_dle~~dl! Gi"'"-"'- is dle .__, (.._ below) willI insur.uxe _"~"or,liefto1""",RmcI.\uroswflendleCudmember """ dleCad(.._1:e!owl "c!targemlP"l'"'" 1Ulll rentdftan Sll'fCoomleltial Gir Rmo! ClxDpan'{ ("Rmrll CoaIpanJ"l other Ihan""", I=1ed ini<lslr.1Jio. Irebcd. isolel,ll1ly,)2m1ic1, md N",Zellmd.' !n <be UniodSl>tes,IJ:rtmibJries,passessioasmlC=<b.,this_is ElCESS' iosuclnce.llm""""!l'is2lscElCESS_"""",lJ.S.Cmirnembea wOOse bil1ilzg adrlre!s is=idellie US,,1J:r _ andJl'lS""ioa'ml dle _ Iml2! ~wiIbin<be""",CClIIllQ'as _biJling-' WHO IS ElIGIBlE FOR COVERAGE Yeu""elifible"_~J'lll"".~.s.P=nal,GoJd,_.PIm ' '" GoId~(~.Yeu"",U.s.,-'GoId._ Plus Gold C3ltImember ~ (1) J'll11ll! '" "","em Express Basic or I<Idilioo2l C3ltImember sod "-' Gold. _ PIm Gold Cad (_"..the"Cad")~_in1""'=md(2l1""'Cad _isbille!ftam1lJ.S.cpor.1ling""""illU.s.doU=' , A -. Gold or _ PIm GoIdCn<lmemberwho is eorou.d." '" ~1OOry=colIego........"org!2duale>ehc9lilldl!U_, . _mdis~"""'pl1lYided",_of ~~ip is actdig!bleforbeDelilsurderthis Poliq reu "" eligible "_1lIXier <be poIiq~J'lll "" 1 Ftde!i;".Imerlcm E1p...... em. F1<IeIityAmericn Express Gilld. em. u.s. DeiCl~ ~ GoIdIleiCl~C1nlmombeI; _ _SIqMiles" c..:dmembo; Ilplima. Pbmmm CmImembel; Blue from _ E1p..... _ Sl2zpoioa'" Cl<dit€aldmea<ber from.mielian ~ Tho _ElD...... Galfr"""-",,,,:!'3sy!llJesC1lllmombo; IliJm Credit c..~'fEorn.--=mE1p=,',_ Exji.....Cl<ditCadoi'" 0p<im1- C3ltImemberof", ==.anddzs l!l3tisproridedGir RmcI loss SIll! ~ illsur=.. 1J:e:i,;tclllplima<:urtn-n'-1lip (~).YOU"'1lJ.S.IleiClSltyMiJes'~GoldDei", SkyMiles"c..:dmembo; Pbmmm IleiCl SIqMiles" ~ Ilplima- _ r""",,,,"~_Stupainls"c...mt.c..Jmemberfrom .- E1p=, Tho_ El:p=' GoIfGilrlmember; EzyMiIes Cmfmmd:e; IliJm c.-.dit r"""-"...... from~ E1p=."m Ilplima-~of",==anddzs~(llm~' , Cad or ,\me!icm E1p...... Cl<dit Cad (the "Cad") is _ in l"'" =(2)j<lUJtm.""'"-lchis~of_illcoajllllCli<lll oilhyoorClmlltCad""""",andGJ!OO'Cad=isbille! fEorn11lS.Op=ingC<alorinllS.cblhas.ThoPolicy"""",~ ~miAmei:icm~(" I I>- J. {l31irric:ertl:iu """",,_anddzs2s. ~GirRmclO:mpmy'"or"GirRmcl ClllIlpan( "'""" "'!' . ~=I<lII:lI_-.bich_RmcI.IuIDs.'For1liepmposesOC Ibis ~cI~r';""'-'l GirRell2l Company"'""" "Rmul CoaJpmy:"' . HOWro ACTIVAJ"E COVERAGE , ~fcrdl!it<ior""""""",Re1l2l._ is_.... dl!c...~' L _!lis orbore!ld>leCad" <beRell2lc.mpmy" """" dl! ReIl2l.lillD, bylll1i:mg ..............orbypl2dog.blI4 or~ "<be<ime dl! ReIl2lAmD isdlo::izd om; 2. de::!ioedl!fuIlCollisinllz11ge_orlimibropdoa (CD'I),1ll'1"l' ",pl1l1!:d_"""",,,,...n..;_byllieRell2l~ 3-isllieprim3ly~..m:;,.o,;;",n..<be~.oois am>o:I on dl! _......oilh :be 3mcl Company" <be 9 ,r- '~ , - ~rellliDgwI:lkillgC>lllO!w~citheRelal,\!JlD, ("I'timorr __); aod 4."", the CJnt "'pay fer the entire _ rent:llfromthe Relal CooIpzny"the <il!leoi_"",,,,- ~ - in_wbiIocheC3lUmember"""",,, inCOllllOl md JX>S=ioncitheRelal,\nlD.Ar",....""",.no is physicllIy~ m:llIl12ble",_ the RelalAlllD, rmrbe thel'tim2ly llen2rifbdshe is the C:m!mmcher enrerillg iruo che rent:ll "'"""""'- .NOfC: Benef"".ts U1iII TrOt be paid if, on the _ oj!css aran the dole oj doim fJmg. ""y _ due an your Am6iam eprm C=i aa:otm/ ir ={!aid P 30 ~oryour Amer.<lM eprm C=i ir cmraI1zd.' WHEN COVERAGEtERMINArES ~fer,"""cior~"'theR<nl2l,"",--'w!Jeo: theRelalCooloaov"""""'c:lllIlOlcithe RelalAlllD,';";oc:inso:" -daJ>aitl:rtn.R.wrAulD""dle:kaloul,whidleIoirise3rlier. ' . chePo&:y.~ " ... LENGTH OF COVEAAGE ::, ' : Car ReIll:zj Loss md n.m.g, _"""" eligible ~AutoS.n.h """'<l""""._ "",,"_from.Relal Cami/anyfii,,,,,: rnoreth:a:n30~~ ;' i No<<:: In "" ...., shall """""8" be promdai wben IiN ~ reni: a Ren/ai_ beyonJi 3<1 rrmse:uiive days /rom IiN sam< Ren/ai Company, ~ of_liNorigiMI a~ ir,-.&d, ora 1IeIIT wril/err agreemenJ if_ mJered inio, (Jr a tu!rI1 veIrick if rmtai.: . i<Idlaomlly. 00 _ will be ptO"ided wDea the PriImlY R<nIl!/ ""'". Ren<alAulD fer ""'''' th2n JO """""""" daJ> out of. 45 diy period witbin the=e~lItIrlo!lIlccui(75Ml!er.ldius), ' WEArS COVERED Car Ren<al Loss w ll3mag< fnsur= reimbuc:es. Curlmember fa, paymentS for~ '" or cheft 01. Relal '"'" ill3l <be Curlmember is required"'......'P"'thel_ofl)the:!ClU;lj""''''repaircheR<nl2l AlllD, or 2) the publisbed Book ..we Ol; if "" ..wb'" che pultllze in"'icepricl!oItheRelll:zj_tniDus....w~-.or3) f3irtll2Il!<~_oItheRelalAu1ll.,The""""!"aIsoreim- buc:es the C3lUmember for """""'"" dtuges (those dmges _" the'"""&d1itrill3lareosualw"""""'Yin thevidDityinwttich the Ia;s or Wsablement rook pb<:e) imp1laI by the Ren<al Glalj>oly. such " lDWiDg, ""-I",, 01.... (IllSSoI....""""p...." la;solilxome"'. Cammelcial Car R<nl2leampaoy where 00 adrlilioml'Jl,ltel of inaJlDe -"'_th;sIa;s,~Iem:lWSll:DJ>rfdmgesaresubst:Jnl;3led byrh-t.........;.,.,;".., stIppOt1icg !O$ioCusesudl as by tIe:t LIIili%:uion logs; l""oI....dces""iIlcIude()JloJIJen:WCarR<nl2leomp.ny_ ' f",). w!tich che R<nl2l eomp.ny"'lllld "" ba>e imp1laIhad the C3lUmember=pl<<liJsfull COW:orp<rttd_~_ Car Renl3J Loss m:l Damag. _ """" 00 acherlJpe 011= Fo, """'!lie, in the ""'" of .",Uision _g theCmlmember',R<nl2l Alllo,~"'anyocher_'=orthelnjJJlyof"'1'Jll"oraJ1jtlling isoot~ No"" JDis pa/i<y does net pravid4 &zhi/;Jy =go far Uninsured Moicrirts; betufiis under ""y II!Jri<ri' ea.'o{>---" !=, reabUiJy iJen4ii<lmDorod!er~_Pf<= WHAT EXCESS COVEAAGE MEANS CarR<nl2lLosswDamag._is""EXCESS_ptm. This """" Ih2tIbis """,_will.- theCmlmemberoaly for ~ "" -..lbypbm, such" the RelalIAmpany" CoIllsixtil3lmgo_orsimibr~ (CDW),orp:lIliolmlliOm .....~anypel:llllal_-.~__or ,.;mlw-'p!morodlor"""",oI-.When""" ocherplals ~ .Cm&ilemberJllllSlfitll"'*pajlD!Iltor_mlll!l:zi1e ...., . '''bzelonthell3ll!dll!llmofsuchocherPlms,ill3lanysuch Pl=dollllljJlllride""""!"boibreIbisEXCESS_will.- tber~ !be = "",","dcesllCl'!llir'" "'" remzIs_the IJJliJelSl22s, iJs-.P"""'icoswCmJdz;_JO'l....lIS.r"""""""- "'bilIiogodd=._thelIS..iIf_m1p<:l11i5iocsml the_ll!lllaiiswitbinthe.....aJUIIIly"yoorbilliog""""'" ~Ibis"""""'is~."...<i_lll'_ri..... Jll'l'ided by the ReJtzl ~ w" any l'oliq (PoIiZ) the r"""""""._lDlerlbaprooidesimihr__No_' 1 Mibble for Relal ,_ """'<l in "'=ii1. tt.!:md. isM, Itlly;JatItJic, m:!.~Ze:zl:m:l..f I YEHICllS NOT COVERED Car ~ Loss w il3lmgo"",=cbs """"'" n!II<:Jls of, .~=.ttich""""=wilh""otiginalll!:llJJl!':Jou, llIggelledreWlpliceofS5ll.rolor_...._ - exJlli:=reg:utIIe$ci~=ornlue.""".:din;b"'''''limil<<l''' CIeYlolet eon.... TOj<lta S"!Jl:l.ltmb. 3.1:-7. Codge '<per 3Dli S",,""- Piymaurh I'rowIe; ,\limJlJiW;ceo GJ; Ifi= iOO IX,Jagwr XjS, "'-NS:C llero:CelSI, SU',SQxl;>!m!EJ2llCoopew c:on..roble, BMWl!3, 23 m:l B s.;", Udillx-.. md all P=:he. ,mori, ~rP.llisenli.,"".lbroll.lattls,~ "-<ShWt Cob!:!, IIenJIey, RolJs~ <\1Idcs,pid:_~_=_ . fulk;z,d ""'" ind1xIIngbut""_,,, fon! EalrJoIIne or CIllb Wagoll, OJ,,!, Van or Sport'nll, GMC """"'" m!!CJIly, Dodge Ibm Vms md R= W3gon; . ..wc!.eswhich!m.,"",OlSll:IOizoiorlll<Xiilio:i5:omthe""""",=_ l1lIer'$ baory~lit'":rlinrw ~t.for~1~equipment fortheph!si<:allrdtillenged; , ..wc!.esuso:!forhireor~~ 0Jini-v:ms1l'SM1Oro:JlDmert:iil~. No"" ~M";._(No<~,__) wiJbJi;acry~ sazJingcapadly 018 fIO=ngmor"", ~butnet""""" ", Dodge Cl:rao<m, PIymauth ~ Font __ and ,'&san Quest. anaJtieTedwbenmtMfarper.r;nalor~=an!y. an.cm, 'i'ib.ich me:msClIStf:tu:3reZO}l!::ttSo1dor~ not been manubawed for 10 or more ','1!::m; llincusines; , fuUsized.sporturilityvehices, itcludlngbucooclimire:l.to, CIeYloIe!IGliC Suburbm. Tli;", md \'0.\011, Foro_o, UnOJIn Mavigwr, Toyora Land c.~ L.e:m:s U450. "Range Rover orfull_ FaalS"""" SjlOlTIUIi/ily..wc!.eswhendmm"aff-rooi'";mi NO'e: Compad sporlIuiiIify '.;r.c." induding but ""'""""" ". Foni ~J"" Iinmd ~ ,'&san Palbf.mkr, T,,>,,'" fuur Runner, Cbetnokt Blazer and Isuzu Trooper and_an aJtieTed wben dm"" anpawd ~ . aff-c004 oehic:les, 0lIJ"'q:fes. ~ """""""" 'll!hides, goJf or _rizJ!d= _ tl>iIcs mdlll'facheroehide which is oot .RelalAulD. LCS.SE~ NOT ;..'"'!'!EREI) . L.:" !'.clf;j L.... ...~l1:Isurm:elh:inctCOYel:'Jossescwsedbyor a..;:~~.11.I... ur...wf..lii .;- It:: Rmtd Aillo in 'liotaticn of <be te:m:s m'1 conditionS of ttic RelJtIl Cotnpmf~ (iDdudmg but 0<< limil<<l,,,, I_ o:>:lJlringwben:.__llOtpemJitTEd~"!"""'the_pw=nt tol.eImSofthe-renta1~"\I/2:Sin~arOXlcrol.ofthe _o<_gthe""",,OOJ:Olo<i""~n!lIl3J_); leasoior",;m.Jeasoi_ Cll5lS ~1Ited;, the Oltnm<n:ial Car ~ Company" 1ormaJ. ClllItleoldoiDg,illoiDels; iatenli.xtIldlJmage; II1epI aatritr. such as I_ where the Relal.11m> "" used fo< or imol>el ill. iIIegzl actlYity or feIoor. P"'-gCXllldilloos,~orde1e:i; - b<m&"""'theil1f!JJeazol_ordro!;;; W'Jf ormilitny acrmty; ~ cooIio:Jtionbyaulhority; _w"",iIlc!lldingpm.l~..... <ImtIge.ttich.duew_,,~lIIO:!I:micIllll'eIe:- a_orf:zilure_sa:lJ....._5:om.'""" -.dbylbeE'oliq; l!lI!!tolord2m2F" IiI<s (llmor-l,-dmIaFl by IiI<, _Clliscbittv:!lld:Wsm.or""",_thela;sis_ wilh w5:om ""......''''"''''ocher Ioor-.dby the E'oIiq; mi oIkllJd <JP'l2lionol m. ~ 10 >, ( r "'.... ''"-,c ~1f'i~_~~~~W' jl""W> ,<~ -, .~~ "" Car Rmtd Imi ami ~ Imur2nao cIces ""'~ ami bmefi~ wil1 "" bepoid5r. . s;/es""~"'''!l'irof~......ceimb>_lolsudl s;/es"".~br""" '~"'mr~odJert!trnibeRml:1l.\ulD; ~"'mr_odJert!trnibeRml:1l"""""""'P_ or i_ IllJ( pemtmclllly _ '" ibe Rml:1lArml: .ibelnjUt)'of"""",or~ . "'P"""""""""_,,paidforbribeRml:1l~" iCiimurer; "'P"""~bribe~'~-imureI; ~ot~,_ot~dm<(,_ ""'" 1ddm "",,-ax,...... ~ cisudl "" .cequire:lbr""" mri!cltl!_uso!forbireor~lpllI!IOll'S;ami . ~""""'__tfor~~~brlz< HOWTO F1I.EA CL\lM .. A CmImember """ nod/'t ille Car il<ntIl Imi ami Oaati&e Claims Uail IDU '""at=16iOin";U.s.onlyorC1!l~""",o/herlo:atims wcddwide. oilhin <18 brJua or" scoa """"",",Iy "",,",1e~.1ass. A~wil1""""'mrqueslioos.~:.ira....amiwill ..00 <be CmImember.cbim Conn willl--"~ ami sign thecbim ii<m. _prooIoflass. __illecWm Conn ami all odJerrequesrai.m",..".,ri"l (!isll!dbela<r), "",,be_wilhin6o d2js00ll00ing ibe....ofibed3mageotibeftbr.~ExpresSc.r il<ntIl "'" mi ~ Claims Uoi~ do: UoilEll Financ:bd /odjustinll eomp.ny, i'O Box941Z9. ae..l2nd. 0bi044101-41Z9. Uthe prooI of"'" ami ocberdoaJmentatioo is oat _ wilhin 60 d2js of the.... of less, _"""f be deniei IlEQumm IlOCllMElITATION MAY CONSlST OE", BUT IS NO'T LIMITED TO: . our signed :md complefed claim form; .",i_"!l'irbill; 'Cllp'fof~slipfuribe~oiilleRml:1l..,."R<nW"fll alGlIXlor lItlCbiIle~ rea;pt fllshow~ "" charll"i mipoidfurwilh",_"'P....C:ud; .pou.:.repottOI~Ie): pC- of... ~..oide, Ii awiWlle; :l. copy oi!:be Catdmember's, aud:1orizei driYer's,or emp1ayer's auto ~~or:l.aorari2:ed.'teaersanngnoiJJsur;mce; 1Cllp'foiillcbim'"""""""ami~,~p_byille Ur i!cltI! Comjlany: a. c:::xn of ;he ?mt1.I Companys utilmtiott ~ 1 Cllp'f of,... _, """" of the Cmlmemberlllldior31llhrximldmel; 'mIels... dm<(,"""", IltllIli:er.....OO ibe ltlltll~ 1Cllp'foi<lll:,_~~_amibock.which__ =""""'<llI:i!cltI!_""cb2cmlowmicb2cmlin; ami it!il=<!OO~llfllOlherawiWlle__(;). ~cooper.rIia1'lilhIssues~"'",",~isrequired.U illcequire:l.......~~""is""'__l8l.daTsofibe....of"'" (~for !MlfN>nMliNl wbich l:tl:s aot beeO. fumisbe:i for ream beyood ""'~'_._=rbe-' , HOW ae.""EFITS ARE PAID .\llCari!cltl!lossami~fml1r:mo:lo__IelllXl<r <be poiicy "" pay2bi fll ibe ~, ""'P' Ih:il: i>almen< =rbe a>ade. at<bedi>:I<licoof:!le !mIm!I;jcim!rflliber~amiibe Commexd3.I Car R<nW ~"",,,:!leUr Rml:1l c.m.=r,..,,,,,, beet~forthe~"",,,,,dmtrj;o.acther-..,..,,,,, ..JidIy migned bio'bor """""" fll the IlzcD.l Compmyac mr o<berpartj'. RIGlITS OF RECOVERY lnibe"""oi'P'l"""':llXierdlisl'ollq,ibeIaszmis_"'aIlthe .<:i """""! "'" iller",;",.",,,,,: ,,_ P"I'""""'Slmde.!tIs ~_1ltatr"""-'-_.....ami~", ibe,imureI;mY :e;UI'"\=~"dtu_do_"'._fllilolp , <llI:_=,""".amidollOdliJJ(ar...",ltmnthe 1oma:t'1~ ~ 1 Cm!melli>eror 0.."",.".;,1 c.r Rml:1lCompmy!tls beet paid ~"""'1oiicy/la,AXIl9Z5,mi1isl''''''"'''tom_the '"""'"' ~ tom ibeo<berM be a;d brdtllc..~ or 'F~'F ",!I~'I f' , , Callmetti:IiCarRml:1lCompmyin_forthe_ami~fll ibe......oflhe........l"l"""'- , As.Ollldilillllpm:l!lloxfll_ibeC3olmonber.....ami..,. ~fllIUllyCllClpeCll:l1id1ibeIaszmin"'l'~SlIbroplilIll '""""" Iepl ~br~",,",,<imymi,u iq3I ""'""' ami mrami all """"""" iDduding...." """"""" ami 0lllltihu1in& "'l'o/herl'"\=ml_fll""""'"lrmi1linibedilpaiiliooofibe Iepl- ADDmONAL lNFORMmON FOR YOU This_.~br.WEX_~(.--) iluougilimrIrmzl'o&rAIDm (the"l'<llicflissued"- "'P.... r_RoblEll_~bx;mdinpatll:ipaling~ _ ami Iic:o=. !be!'oiicy""fbedtulFlor ~ This Delaipdoo of,"""",. '" imp>tm< do:mnelIl. P1eoo! !aoep it in . ....pl=~il_thep""""_of___"ilexislSat ibetimerJprinlirl&l!tiS_bootibe'1'oIicy,,!,"""""<iimar- ancz. !bebeodtrdosaillolin..._""suhi<ctfll,u<ithe_ ~ ami e:tdnsitm<iibe !'oiicyOsuoibrthe lll1<!erwtileI: This d=- """'repIsa!smrptiot~<iCaoecrgelllXl<rIhePoliq-""f a.... beet fumisb<d fll Ibe Cmlmeml:et ~9.(lJH#~ -J.au.- TllDllIhyMeeban,::emttty ,\ME(_~ AMEX""""""'~ 6679-11-91 9J'l9 , L FOr ibool tiigible ami =oIIoi in JIemiJmiip R8U1at'ds, if a Memher.rhipR"""""mimopamarlffta:Joif.w, _if jmJWkd aniy '" Rental.'""" mrI<<I in the "mud S/4te$. 2. O!en US<<i in amjunc!t1n >itb a JlemiJmiipR_ ~ ~, theparliCpaJingCar I/enJ4J ~...1imU8d '" Here, N4Jion4I, ami1JuJget. 3. if tiigibleami enrolled in JIemiJmiip iauNmis,_ is. adioiiiJgJ..... the Omimmther (I) presrnis a Membenh;p Re=rIs ,..J.,~,~ami(2)_aMemher.rhip1/2tP<lnlr ~1itm~at.p..~,t~CarRenJal 01mfJ4r0/. /mparltmJ -far ibool enrolled in/oIembenh;p_ AJfemben!iip R"""""~ ~"'" aniy b< ""'-ud bytiigible~8emFrviIl""'b<paId". ,Wemher.rhip _ mimopam ~ barber imniferred '" 1lt1n-e/igibIe~-Uar~ 4. eo.. not apply '" IV"", J!ri _.-", 5. FOr ibool tiigibls ami =oIIoiin JIemiJmiip~ .. roieenting,~_mimopam~ _if proWkJaniy '" flEnI4i ""'" mrI<<I in the (Jniied S/8JRs. PESClllPTlON OF CCVElUGE Cm=d p.,...,.. A p"""llad be. c-zsIl'oI1a1lllXl<r ibe IIl:mlet -Gtootrl'o&r AXD9'8 ("!be l\l&:fl ""r if: LJeorftis: ~ ""!100,(lJl_.a..icarloiDlioo2lc..du...J>.....!tIs <iIhel'.P=ml CmI._om:.CmlGoiliCml;~' CmI""""""F'IdoIilr-El:pler'CmI.!ldeIilr- E:p=' GoldCmlor._ El:pler' Cd1CmlIleitL sq!tilos"CmlGold1le!l:l~CmI._1leitL SkyIlIJes" Cml illllIma' Gold CmI. Ooilmt"Cash _ Cml IIp<Imt'Cml~_c,,,j,_SlarpoilUS'' Cd1CmlHillDnCmli:cm_"""""._ E:p=' Golf Cm!, ~ CmI. 3ajm. Boom Cm!, Besl Rat< u .~ ,,.,,, ",. '," . ,...",,,.-,, ". . 11 ~. C3Id,Oplima'em&.baeC3Id,OpIiatt. Pbmwmem&.bae C3Id, New IM!:nida 0pIiatt' CmIfrom_E:<p...... NeN Yod< lbngmC3ldfrom_ E:<p...... 3lXl 1luo N31ioozlliuJrip/eSderosisC:ud;CalpOl:lOOC3Id,GilIdCotpor:lle C3Id, - Carj:or.Io! Cm!; 3lXl !l!II:tSky;W.s"Ca_ Credi'CJldlOrSm2ll_""lllIll', Gold Ca_Oplima' C3Id, Ca_Oplima'PblinumCJldIOrSmoll_ """"" 3lXl Oplima" CJld or 1luo __ """'" celitCJld orr.he~paytIleataa:ountottered.inCOnj~wftltany of <he foregoing, 03uedbyAmericm Ei1lressu...t Ildatei -~ln:.oriJs~_(-_ E>preo:s") in hisorher=_,CJld.__ Tm.r_3lXl<he""""""lI"lll""'"""",,_in OOnjunaionwilhmy<i<heIO..p.go-iby_E:<press or '''participalingsubsidlaries in his orherLtllI1e;Cotpor:lIe C3Id,-Cot;or.ueC3Id,_,Wf,3lXl_, rr.mol_o-iby~_cf_ ; E:<presswbea billed_cbe.U.5. incuaeoi:yo<herihan U.5. , dolWs c:dlisorheriWlJe.. ., . ! r b. for $250.000 ~ . Basic or:1ddi1ilJnaJ c"""..,,,;i..,,,,, Itli . Rewm!s Plus GoIdCJldo-i byAmericmE:q>= rm.l, ' R.Im1Servi"''"'-'r.locori''particip2lingsubiidWies . ("American E:q;ress'") in his or her name; or I I , ~ ror$5OO,OOO~.Basicorl<ldi<i=l~.tIo~ . P>ttinum CJld-, ,.teIi1y_ E:qiress Pblinwn-CJldor SnWI_ G>por.ue Platinum CJld- o-iby_ ExpressTr.moIRe!aIl!d_~ In:. or i" p<lddparmg subsidWies C-_ Exp.....) in his or her""", on. I Pbmman Cad" """""': or d. nre'P''''''or~,dtiidlJllder'&'21ormyeliiW~petsan: -in(.),(b)orCc)alioo.o;3lXl 2. his or her American Express Card i'5 billed in rile Uniled St:uei in U.5.OOil3<S. OEFINTIIONS AND SCOPE OF COVERAGE -i<:ddent" _toed in this Policr= m une:q>>:!'!<le"'lt.uich """" Injury aM ,ltill a/so Oldude _ =iting from. misltql on . CaOllllOll Camet ~ in which <he u..r.i 1'=0 "ttMIing. -American Express CJld" sIWl """" LforS!OO,OOO_<he_Wf,_Cloi<:o-C3td,GoId C:ud;OpIiatt'CJld"""""",ui<Iity_E:<press"Wf, 'idelityAmericmE:<press"GoIdC3Id,or_E:<p.....Cre:Iit C3Id,DeltaSIqtrlileo"Cre:litWf, GoIdIlelOlSlqMiles'Cre:litC3ld """"" PbmwmIleltaSkyMi/es" Wf, Op<i=-GoIdWf,Op<i=- C3sh Reban!C3Id,Op_C3Id,OpIiatt._Wf,Sberamn SWpnintt"'Credi'Wf,._""""'GolfWf,_Wf, auy.,. Bonus Wf, Best Ra C3Id, cp.;.,.' em ~ Wf, Optinu. Pbmman em Reban! C3Id, NelvYori:!:nida aw from American ~'<preSS", NelvYori:Rmll""CJldfrom_~ mdnre_MultipleSderosisScd<tyC:ud;Ca_Wf,GoId Cotpor.ueC3Id,_<lxpo<3teCJldoxlIleltaSlqMiles' Corpor.IIeCre:litC3ldIOrSmoll"_""""", GollCorpoclre Optima. CmloxlCot;or.ueOplima." _C3ldIOrSm2ll Ilusinooo """",,>;oxl1le=er'sC3ld~BoliOess'Ilioel I<mmt aoi!be eiI!med P"JIll'll''''''''*iJiioiilbslXllj'o.idm wilhmyci!be~iSmeihy.!Dleli:m~",ilj'_ Express C3ld" slWl........ !bell:lrpopiecml;~CoIJ>x:i11' Card,1i'els1m'1C:ud;ml~_~~br ' ~"AiDedcm!';qli!sCad"shii!"'-"'iCorpoclre Card,-Calp:lcIlecml;~cml;,ml!bei>mDess, ' mel"""""'_bt",,~~d~E%prls< wbeabiD!llouaide!beU.5.bs""""'i:r_tIiZlU.5.daIba., , ~ For $25O,1JOO__Plus GoIdCm1.aoi"".........' ~=ml6edbscuuj....lbllilh!be6>egDing, _by AIIll!liclll E:l!l= J. For $5OO,COO _Pblbsum Cad""idolilr_ E:<p..... PblinumC3Id,Or!beSmall_ColpO<:Ill!~Cad"ml !be~_3llDIlItoibdbs<Illlj1lD<licllllilh!be1OJe. going,o-iby_E:l!l= "CammonCalrier~memsanDr.Im!,,__(o<her tIiZl._'lebide)~by._c:mierIicmsed"=r _1Orbire. .l. <tip is a "1:<m:ted Trip'" if: I. ~is.oip..... by cbe u..r.i?=o ~ <he ooin,ofdeo3roJre aM <heiiml denin:uion as shawn an <he Gnered ~ <ickt md 2.; the~~a'sfure forsuctI tr!pazbem:!CO.1aIlydtarged to I spedfic Americln E.tpress Card lC:l:lUI1( ~dor to ;my [njurr. "lnjary'" 1l1..". bodUy iDi""1wb:idl: L isC1U5ed by m.\cddent.uich =>itiIe <heu..r.i ?""'n', insttx:mce~ia~tmderd1ePaIic.r::md. ~ resuI. in Lao insured bycbe Ptiucr.:md l.=.Laodue.direafyaM~ct.ofilladler=1O ruch o:tidentllbo:liJy initJrf. "Scb.dul!dAirline- me= m airline _ in !bec,g;ciuAirlin.e Guide which isei<h.ec' , I. of UniOd Sttos registry aM =i!ied by <he IlniJed SiZes gmemmenc "cmypassenll""on.<eguI;uly_basis;or 2. of foreign registry me!. iooroved.:W che. Uniced St:IlE:i ~c and the 'l'P"l'n;.. ooteigtl 3Wtwlity. , 0 BENEFIT AMOONTS "'a ben4iJof~ It. ea..r.iP= will """". a ben4iJ level. of $1oo.0!J0, t250,!XXJ ar ;500,000, d.pmding on iJJe l)peofC=lAa:o=luwllO ~!heCcmm=~~ fare Ji>r iJJe C<>v.roi rrp. Pf=o ~ 10 bath !he C40<=i Pe=ms -.". andlhc~ Erpr= Umi&ifini5on. umkr iJJe Def/nili<= """"" of/hi; ~ of~ if you are still umunrwhai ben4iJ level. of""""'&" cppIies 10 yourAmeriam &{J>= , ~pleaseOJntad iJJe c~ Seroia CznJer!tJ1lfi'es_1ist2d .' on !he bad afyour ~ . sixJwn anyourC=l-. Table of lmser !os:; of Life DismmnbermenJ LoSsofboth bmdsor both fee~ Loss of one hand md one foo( Lao of entire sight of both eyes I.os5 of entire sight 0{ OIle eye' mdoaehand.oronefoot SlOO,OOO $:250.000 $500,000 loss of one hand or ODe foot . 550.000 $125",000 $250.000 I.osS of enttre sight of one eye 550,000 S125.000 $150,000 "Loss'" as used above with referenc: to lIand or foot me:ms comolete :md pennanent.seYmIlCe through or above d':e wrist or Wfe joint, arrl as used wiIh reiereoce 10 eye means the lrrecovtrr...b!e [Em of dIe entire sight of such ~"e.. srOO.ooo - $250,000 - 5500,000 MAXIMUM INDEMj'IITY PER COVERED PEl<SON pi""," """'/hat !he fallcwing injimMi!an applies" iJJe benefiJla-.l af ~~ provided l1IiJh the Cmd aa:mmt!JSl!d!o ~ the Commtm Cmr.er ~'" fare far It. cC.erei r"P. if you "'" umunr whai beoUfillevel. af =ge applies "your.lmeriam &{J>= ~ pia= amlod the Customer Service Cmter !DO,7-ee rru:mher (isted on the bad ofY'!""~ ..... an yourCmd_ In 'P"""'wIJl omllipleAmericm E:<preo:sCadsaO~ cbe Company" pay,ror_mare lh:m ooe!..oss ~1i!'1CYone ~ ~Pdson ,,~,resultd1Srfooe_1beCompmfsoblig2lfon lJIlder!be Policr wIJlJ"deIi!tmined""lltling"!bebigilest""'""'P"J'b~lIllderch< ~Americm Express Wad -=llytoed:o~!be Cammon Cmier ~...i'Dotheea..edTlip"stIledin!be___ AcbD,ENW. ~".A1HAND DI51>lEMBERMENT BENEFIT nre,ComplmyW'.; ,'~appliable__"deoclmil>!dfroll1 !be _ oflme; ,,, w.emPeoonsz&s.laos fttm mInjury,..tille, ~ ~in IOo:e 1ll1der!be PoIiq;bo<oalrilso:l1laos=willlinlOO daril*!be<lm:ci!be__.""",d!befDiurr._wIJll:e paid,lOr!be gle:llest Loss. rn oo.-.;u !beO:mpmrl"1 for""", chm ooellm_bycbe.ea..edPeoon" !be cesul10fmy ane_ oE!;aupnQN OF BENEmS CoalmGG Came: _This _isP"J'b1e iI<heu..r.i ~_fnjDry".cesul1<im__=>itiIe ~....,."._in,,,~orilightingfromor bi"ngllltK:l: by. Cammoa Cmiera:m.r= for. u..r.i Trip. .\i<portn.....-........l!cIIdit. il.~.!irline ciclais ~for.ea..edTlip par" !bec-edP=n.,.... rQr!be3ispolt.'!bisBeaefitisl"!'bl:if!beu..r.iP=n""""'" aisr lniury..tille ~"._in.ImdCammonCamet $lOO,COO SZ50,OOO $lOO,OOO SIOO.Cro $100,000 5100,000 SZ50,OOO $150.000 $150.000 $500,000 $500,000 $500,000 , 12 " IRlm! C~.~' -:>; .' c c '--' ',*,Offl.!;',!'1!f\l;1';)''ll'fl!11l!'!l~~"1~'-'-''i~~~~fflkf~~~~.I!.r~_:!. .-, -, ..".,<,-, ~",.~",. _"',' - ~~, ,._u r "', , Con",',,,,, or ,scCeduled he!kopter ~'" Common Unier ~b",onIj:(,)w!lengoingdireafy~",aiJp:lrt5lrcb' P"'P"" at boudlng . SdrerlnIed Airliluo ilighc on ,o..red Tnp; or (b)w!lenI~direafyErom"'ailpOlt*aIigbdIl!from, SdJ.duIed Airliluo iIight on ,Cooered rrip. Airp<rt I'remJsc5 Bendit. [,SdJ.duledAidme dcia,' p'- 5lr 1Cooered Trip prioT~borin? <his -..~ if me Qnoered ?!mn sust:linS :my [njUI! wttiIe upoa :Ill?':tirpott premises designalOd 5lr Il=lger...... btlt only"'" <be an-! P=n. "\Xll1suchpremi:ses ~beio",boalding.orimme- dbn:ly * Jligllting Erom ,SdJ.duledAidme Ilighton 1o..red Trip. EXPOSURE.-IJ.'ID DISAPPEARANCE ~ the Cooered ~. """,,,""",Iv ~IO <bedemeo.becmseof m _on ,CooeredTripwhidl ~in<be~_gor >n:dcing at the Commoa Cmiet ~ md if ,,',result of such , = <heCooered PeGln_, loss icrwhid1_. "'_ ~Ie under <he Pellcr. such "",.;!l be ~ """" <he Pellcr, [<he Cm<red Peaon disaop<= becwse oi m ,_, on '''''''''''T''l' witiO reouIts in <he~ sinldngorwnrlingofcbiOlmmonUnier Con""""" md if the Cooered l'er>Jn', bcdr itls "" I:een foUlld wicbin i2 "",,'* the ""'" oi such Aaiden<, it.;!l be p"""",,", subi'" 10 there ~ no <ridence~ theomer.uy. cbattheo..n:d~llIlli:n:dlossat 1if,,,,n:suItoiInjurr~bycbePoliq. , i COYERAGEREO~~ "_~ ,,___._~n_~." :\. CoYered Pttson will'be tully insured lor~1S 1.Ilu::r <tlI; n.l.....l WIUlC _g 1<Iipon 1CommoaCmiet~oolywlien<he"" ",I:een ~lOtheIjlCCilicAmeri=E:qlt"'Cmi, '\ ON-BOAllD TICKETING ' ':' , " In the e'reflt a GMrerl Person suffers a. Lass on board a &he:!u1ed Airline Ilight ;" >hich th, :WIine sells .m. on boald'the !light md the Covered ~ bz ""p'- bisorbertic!o<bydwging <betic!o<lO '" Ame"= Express c..d oriot 10 boudlng the Ilighl'cbea the _.;!l ev:1.Iuare and. pay such ~ where it em 2SCb1ish dlac no"other form of payment was used for the ffight In question. PREMIUMS The premium [or crus ccYer.1ge is pay2ble by ..unericm Express. ~'t~~not c:lytr:m... toss caused or contributed!IJ by (1) suicide orimen.ti~ruUseIf~or:my3Ill:lImtthere1t,wbile~ (2) W"Jror :lI1V :!Ctofwarwhethetde:!:1red or~ ~ my Ja OJmmitred by.m :Igent of :my ~t. p:ut'f, or fJcdoa engaged i.l1 waI; hastilities. orod1erW3rlike~ provided such agent is acr.ingsecredy :mdnoC'in conneaiOQ with anyoper;uion oi mned for05 (whelberrnilitl:ry, lla?aI. or airrol'teS) in thecotmaywhere the rnjurrcccu:ssh2.llnotbe~30 . Jet of war, (3) lniury to whidl a. contribwcry cmIe was.:he a:llllmi:ssitJa or or:uranpt co c.ommit:Ill illegal act by orcr:: rehalfofthe:CNerei~or bisbenetida:ries; (4) Injury res::etredwbi1esen"ingzmoper:uororcrs rnember 01 my 0l""'1'l1'" (5) Injurr ~ oitiIe dtmng. ~"1 """"i" in. boudlng or iligbting from 1 ""etl """" or (6) -.", pirt;ialorl1lelll>linfilmity,pn:gmm<y."my!IlflliclorlUIgicll_. menc [or such c:lnditions, unless creamJenC of the condition is required. IS the direct resuJtoi a covered Injury. BENma.IKY ,\ """~"",,designalO 1beneficburordlange,~ designoJa! beneildzy lor ~ acd his or ber'l""" md dtildn:awbo"""",",,"""orlMitkml~""~ Cmhcember"""desigll'lD!,~5lr~acdbisorber Sl"lJS<mdcbildrenwbo"""","""""ori<ldiJiaoalc..~or _ ordtikln:n of Bm: Cmlmombets. ~ i>"""" other cbm..... otlD!d -"",,~ordtmgl!.Jlt"'iooslYdesignalI!d~1orsuch desigl12lion ordtimgl!" becm: dfeaile., _ ""'"'" 00''''''' """""'r"cbeCampllcy,"""'i>lIlled>idt_El:pn:ss.SlxIt desigl12lion ordtmgl!sb3JI t1Iao """,,,ofcbe""'" it...sigIIo!brcbe' ~pl1l'idoi<ltuitbzbeen ""'"-ibr,_El:pn:ss.bermy paymentcfpl1lC<Ods""'*'brcbeColllpaaypliorlOl'I>iptci.x!l~ oldtimgl!sb3JliulIy~ cbeCompmrlOthe"""'cisOOl_ C).,AIMS IVnm:nl1Olic:oldaim '""" be gi>et 1O.IMEl._Coull>mr. cr.;"" --Clfia!,IIOSourbEigbdlsmr.Iiniti95,J1iml<lpoIis.llN 55+1<l..;1hinllld1)s*cbe=or,.,' ,'of "",loss ~bycbel'olqor"SOOl1_"is~lypooib1e._ gi>et br or on be!l2lf cf cbe cIlimanL 10 <be Canpmy" US ~..a~ F::I'l"iffl OJ!ice.orlO my~~ofcbeCo_ >idtinfu"","onsuill- _10 identify cbe eo....! ~ sn.n be deemed "'"", 10 the Companv, ~~~~Cooered~.;!lbe~lOdredengnalOd beceilci:lr? Benefils5lrlll0d>0rL= _by1 Cooered PeGln.;!l be~1O cbeeo-lP=n,iI~_1O cbedesignalOdbetlefi- duT.[""",cbmooebeneficbur.designalI!dmdcbe_' ~_""""~cbedesignall!dbeoeii<iari.,sn.n,""", equ:illy.[Oll~itlsl:eendesigrum<l.orifcbedesignalOdbetlefi- ci:uvcloes """""",cbeCoveredP=n. cbebellefirs.;!lbe~1O the sunt.rngperlOl1orequally~ the ""'mng P""'''' in <heiiotofcbe followIng """,,of_ pn:ren:oo. beoefidmes in _ then:., IMnglll<lllbo: n..eo-l ~'~ I) ~ 2) cbildn:n. induding /qaIlrado,Jeddtildn:rI.3l _4) _ md-. 5J esl:Ile. In "-nining llldt I""Oll orpe=ts. the Campmy """ n:Iy upon an 3lli- da1it bv 1_of orrci cbe""",, oi on:ren:oo. beoefidmes desaibed al:oYe..~b-ad.uOOamy5l.x:iJ~tshaUfullydi:rlarg2_the Company from all ~ under cbe Peliq unless. beiore such_ .rnade,cbeCompanyitls~"i._OIli",_O<J<i'" of. -..Jid daim by.... o<DerperlOl1(s). My amount p1'fOhl, 10 1 miI1cr =rbe ~ 10 the orioot'!egal guardian. TIME LIMIT ON ACTIONS ,_<_.. 1'0"- Moaai.ori:niiworinequitysh2lltebroughtlOrea:M:rlJU,lC;l'~ .....1 * cbeexpil2licnsof__*cbe_wrillellproofofloss. "'!'rimIlObefumisb<d. , Thebellefirsdesaibed ""'"' ""subjealO all oithe iEmls mdOJlll!itioos oicbePoJjq This ile>:rio<i<xtol~ "'Il;"'" mypriorC<rtillcl1lo _"""ml:een~inOlltl1ectionwiththel'ouCf. ~9~ ~~ -1. a.t.?:esiden, TJIllIlthy Me<hm. So:retuy AMEX_ Comp2ny AMEX ,,,,,,= Campmy 6nl-ll.,7 II'1J Notice to Florida Residents Only: The beceii. oi the policy I""'iding JOUr_ '" ~primWfby the iaMoi ,,,,,,,ocbercbm F.orid3. L If, ajIer,.",a"g Ibir D='plian oj Cauerag~ you an 5tiI/ =< wbat beMjillevtl oj =g' applier ilJ your _.meri:an E=prerrCani. p'- crmIaa /be C_ Ser.Rai CmI4r ilJll-/rre number listed an /be I=!z oj your Cani. also six;wn an your C=i-""- 13 '" _~. m~,~~.~,~__,...."O~" c/ ~~ ~ .tQ \\\ ~ ~ .~. tV> ~ '- ~ () ~ 4 ...0 I \) (); CJ j ~ ~~ - ~ Ji- Q o -'11 C 0 ;g: -oo::r mc;.1 Zp: Z...".. 0"1 (()2:,,~ '< t~ -0 r.:::: . ) ..~.. -- ~ 20 ~2 Cf.' Z Ul ::;!, (., ... f "' ~~,~~ .ul~,"o '_"1#;;"', ,l;;;!~'~~l!illQlj~~~,_~,,.._ ~~,"wr-~l\l~_ ."'.,..~ .~< ''''''''!'"- ~,- ~ ". 111I inn roo o " -4 ,-, 'il2.f(;)' "0::;0 :;f,~~: 'o"M VJ ~~. 55 ,.< ~1~~~.J~~f{ '-~"- , ,-' " - . d SHERIFF'S RETURN - NOT FOUND , CASE NO: 2001-05943 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND AMERICAN EXPRESS COMPANY VS MCCLEAF JO A R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT MCCLEAF JO A but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT & NOTICE , NOT FOUND , as to the within named DEFENDANT , MCCLEAF JO A RESIDENTS AT THAT ADDRESS HAVE BEEN THERE FOR OVER ONE YEAR. DO NOT KNOW DEFENDANT. Sheriff's Costs: Docketing Service Not Found Surcharge 18.00 11.05 5.00 10.00 .00 44.05 S,~~ R. omas Kline Sheriff of Cumberland County DESSEN MOSES SHEINOFF 10/18/2001 Sworn and subscribed to before me this 31~ day of (]u;;.L .2 0-0 ( A.D. r) . () n,., 00..) ~ p~~onotary , "'l..,'i<t"~""""",,".L_,_, .,~, .".~_ '1d-rrw , ..A:I~~ , ~- ~-~ ."........~ ~ - "~ ..~!!' TRUE COPY FROM RECORD III r ~!ltll'ool'lY Wl1lll'eof, I here unto SlIt my hwt Md tile sool of said COil al P~., ,'Ab PI Till "'" ""''', . OESSEN, MOSES & SHEINOFF BY: David S. Dessen, Esquire IDENTIFICATION NO. 17627 1814 CHESTNUT STREET PHILADELPHIA, PA 19103 1215) 504-5BOO ATTORNEY FOR Plaintiff AMERICAN EXPRESS COMPANY World Financial Center New York, NY 10285 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL lJIVTSION v. JO A. MCCLEAF 137 Bridge Street New Cumberland, PA 17070 TERM, 1'10. 01 - S94J CI"v ~G 'Ie CIVIL ACTION - COMPLAINT NOTICE You have been sued in court. If you wish to defend against the claims set forth in tl'1e following pag1!9, you must take ac. tion within twenty (20) days alter this-complaint and notice.. are served, by entering a written appearance personally or by attorney and tiling in writing_with the,court your defens85 or objections to the claims set. forth' against you. You are wamed that it y~)ajJ 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 complaint or tor any other claim or relief-requested by the plainU1f. You may lose money or property or other rtghts im- portant to you. YOU SHOULD rAKE TH'SPAPER TO YOUR LAWYER AT ONCE.IFYOU DO NOTHAVEA LAWYER OR CANNOT AF, FORO ONE. GO TO OR TELEPHONE THE OFFICE SEl' FORTH BELOW TO FINO OUT WHERE YOU CAN GET LEGAL HELP, AV1S0 Le han demandOldo J u:ited en la cone. Si usted quieredefenderse de estiU demandOls e.>:pul!Stas en 1013 pa~ru1S siguienle$. Usted tiene veime lZ01 di.u de pl.:lIO OIl panir de la fei::ha de la demanda '! la noeifici1cion. Hace (o1lti1 J..:Ientar una ccmparencia. e3Crita 0 en per. wna 0 con un olboICi1do.v entresar a: la corte en forma escriu SU5 defensas 0 iUS obieciones J. [as demandas en contra de su penona_ Sea. avi$i1da que si U$led no se-defiende. la corte camara medidas y puede coneinuar la demanda en_ contra suya sin pnvio avisc 0 ruxificaciOn. ..lo:demas la COMe puedededdir a favor del demolndanle- y fequlere que weed cumpla con todou laa. proviaiones de esta demanda. L:sfed puede.perder dlnero 0 sus propiedades U ou'os dereehcs impOnllnteS para weed. LllVE EST.\ DF..\I....XOAA UN ABOGAOO lNMEDIAT,'U",IENTE.SI NO 1'1ESE....BOG..lo:DO 0 SI NO TIE.,""E EL D1NEHO SUFICIENTE DE. PAGAR' T.....f.. SE:R\'lCQ. VA'tA &'1 PERSONA 0 LV.ME ?OR TELi.roxo ..lo: LA OFICINA COY A DlRECCION SE E..-.,CUENTRA ESCRCT..lo: .,BAlD ?-\R.--\ AV'ERIGUAR DONOE SE PUEDE CON- SF-Gum .-\StsTE..'1CL\ LEGAL. Lawyer Referral Service Cumberland County Bar Association Two Liberty Avenue Carlisle, PA 17013 Phone: 717-249-3166 +;'~'if.~n:0<lf. "I ,,", ,"' ~, ~~- ~"'''1~''" ~ ,-" .. "~"~"~~~"'-',-~-"" ,..,- ~~ -~"1 ,~~!' "e"'l~~"".~""'i,,,, I DESSEN, MOSES& SHEINOFF BY: David S. Dessen, Esquire Attorney I.D. No. 17627 1814 Chestnut Street Philadelphia, PA 19103 (215) 496-2910 Attorney for Plaintiff American Express World Financial Center New York, NY, 10285-4411, Plaintiff COURT OF COMMON PLEAS OF " CUMBERLAND COUNTY CIVIL DIVISION vs. Jo A Mccleaf 137 Bridge Street New Cumberland P A 17070, Defendant NO. CIVIL ACTION - COMPLAINT 1. Plaintiff, American Express, 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, 10285-4411, 2. Defendant, Jo A Mccleaf, is an adult individual who resides at 137 Bridge Street, New Cumberland PA 17070. 3. Plaintiff extended credit to Defendant under Account No. 3737-387328-12007, pursuant to the terms of the contract attached hereto as Exhibit n An, 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 $13,583.40, 6. Plaintiff avers that pursuant to Plaintiff's contract with Defendant, Plaintiff's attorneys are to receive reasonable attorney's fees for filing suit. '.i':--"'~i'?f-%",!jHl~,~: .1,. '''''''_' 1 ,,,.=. , ."'''''1''" ..~~""--....."-" ~- - ~ 'I -~>~ ~.~~ 'T"~ ., 7. Plaintiff believes, and therefore avers, that an attorneys' fees rate of 20% of the debt due, which is $2,716.68, is just and reasonable compensation for the services rendered by said attorneys. 8. 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 amount of $16,300.08, plus interest from September 25,2001 and costs of suit. Respectfully submitted, DESSEN, MOSES & SHEINOFF tQoJ ~,~ David S. Dessen, Esquire . Attorney for Plaintiff DATED: 't~0'1 :-'if;f"-""'~~,;'. '''''',-~'-""--,",,, "1-" . --,~ , ~ -~ ~. i __~--:'~_' '':':.,,:~'''']'''''::.~:,.':::~~- C' ..", VERIFICATION I, David S, Dessen, Esquire, attorney for the Plaintiff, am authorized to take this Affidavit and hereby verify that the facts set forth in the foregoing Civil Action - Complaint are true and correct to the best of my knowledge, information and belief I understand that false statements made herein are made subject to the penalties of 18 Pa, C,S.A Section 4904 relating to unsworn falsifications to authorities, tOJ)S~ David S, Dessen, Esquire Attorney for Plaintiff \;:",'V'f-"'f;1'~~ ,-,,," - ',", fr , =, ~'" <<"N ~~_' _ ~ ,~_ _~ ~~'-,-"''-l''~ c""<'""" .---,. , , - FDR.lll4457 r r (J) Z5026 4IQJ WELCOMEl'O OP'IlMAACCOUNI' MEMBEllSHlI' Pm ...dlbis~ <IxxooghlybettejOO ,""dJoapmm._or siplOl',""dJo~Cadissued"""" icdl>ling""_0I'''!'i=- lll<IltCWsissued"jOO (bm:lir<r_"..dJo~!<I:cuIlt"Ol" dJo'_ _OI''''''yoa....." ~CmI), bo::IulebyUliag tbe~_jOO 'P"" dJo IEmlSd.<bis.lpmoll.smo.jOO 3lbd",,,_dJo.la:lllJDt;jOU"'dJo"B3li:~_balcI<r" ml "'" will.... ."._with us. If...... issllo:t.Cad""""dtlt u.iwillbeollo!dJoil3liccmL You mr_dtlt:""_,Cad,, """""'P"""lo md If.. do, dtlt~willbeon.d:ia,'1<Idilioa3I c.._- '" your_ If)'Ol1...."'~Ji:9m<. but.. !lOt .... m apmm. c.m. md)'Ol1'.... _ dtlt ""'" ",,...._be g;....." mo<!lerpecou, dtlt """"will bed!led .~- Ia1t$' md dtltpetmwill becallfd '/.ddiJlal2l~ u..r."You'P" """"''''''' dtlt anT IMili<=l c..ds or i<ldiliclW ~ issued on your _......din '''''''''''''''''"'''''with <bis~ \VbeQ.. ,""dJolEmlS~__Ol"'~'md~C3nf"OI' "Qmf'.. "" ~"dJo Oplima_ordJo~Cadissued" 1'JU._gdJoil3lic_mlil3licc.m.andmt_ I<al"",k:=s mdIor Addiliooal c..ds issued on yoar ~ Ilrls Agrecmctt is go.erned by Utdll2w ad ~,lic3hle fcdcroll2w. ' USlNGTHEACCOUNT If)'Ol1.... Cad """".. >'e!ccme YOU" ,",,<he Cud "P~!,!XXls ml""""from_"""P'ing<hec.m.md"rm~ of _........ ofdJoCazd. You "" "'l"""ibleforpayiag all WlOlInlS dtugod"dJo_byeDlleryouaoIfor""l<fdiIional_or AddiIiocW 1<alUDI: lI=. You =f"'" petmit "" ocher _" '"" dJo Cud issued """" _)'Ol1 "" respoosible forP"l'""" of all charges tltll/ewith c..ds issued on your_"",IfjOO ....1et_eIse ...tbeCazd. Y""'P"to notify us at""'" IfdJo Cud or ",,_.. rm.y.... on yourl<alunt "" lost or slDlen, or)'Ol1suspo:t <hey ""being used wilbout your penDission. You 'P""'" dJol<alunt only for legiti- _ pU1cll= d.!,!XXls mdserriao Ifyourlal>ml . eligible. Remember dtlt a<mide Ihe IlnilI!d sw.s. relLtmS "" usuai1y..... _ Yo. shcuId nol '"" <he Cad beixo the valid <bl2 or ,"",dJo........, '""'" If_ wm'tocmcel your_or",,_~jOOlllUlta.."'" '" mddesaoy the Cud md "" Mdi!inml CWs. We...... the right to deny _ for any requeso>i Cbmge. If )'CU are .Jsa ",,,,,,,,",,,,, EJ:!l="" Cmln>!mbet p"",,, be """" t!l21 """"".- Express Uudmember...... mr nol be dtugod on dJo _ IfjOU pro>ide JOUr .\O'''U1' llllUIberno m 'l'PHalion forsuch . =ia. ..will cb2rge the _0: to your ,_ EIp...... Cud _ If yon ....one. nolyonrapmm..\o:cUlJl.Otlierwise, the ~ will be denied. IfjOU prooide_ to. OllOlCb:mtto bill Ctqeson. re:mrlng ""'" toyourCad""""" (~Olq<('I"l.,mdIf.~ Cadn.sl=ilsuol"jOO (bel::mso.mres::llllple._Cudn.s 1= lost ",Ien,OIJl<>!od,op&tlldedOl'~,""'''mrproftlesuch_ wid! yourOllMU Cmi """"" """" """'" llllUIber """01' e:xp;nIion '"'" inoolor" petmit dJo l!ll:ldlalt,,_ to bill theR8:xming Chugo"your=Yxd_<IIIliIjOOOOlify",:mddJo _, dtlt)'Ol1....wi_your_ ADDmONALACCOUNIS IMili<=l r'~ml-.d_llso:s.. ""'...._ with tlS.J<Jyi<ldlllaoa Cad or-.dlal>mlmrbet::lllt:l:llolbyJOU orus..1ddlu.xal c..ds :md-.d.__"''''''_ lllUltbeused in .__widt dJls.lpmoll.'\'aq aiol_ rile", "dio:lm dJo_with_c..~:mdiddilion:ll _1Jsea in dJo """'" d. .....,.,;";,,gyour 1m,,'" We m:a; "our dlcaIoo. _ iddilion:II Cmimemb<a :mdJallllatlUC',Ul" IJsea for Jl"!1SI'llld.dJoirOllllClqes If)OU~ "P'l'tbos!Omges. .'l'\Is, GllACEI'l!ll1ODS, CllEIlIl LOO!, _!'ADlEliT .,,'lll.lltl<<W.<Jll!S: 'ibur~_dJo_mr ~.\PRs mr_mlCash.-.p:eperia!s or""J. theMioimum P:xjmoIll. mlthe JlDI1I2l.. or"'!J. 'ibur0llUll!llr ~'~'c'l"'-;~_i1F''f.'" _""I. - "-~ .~ f _will sm.-the_d.ad mibble "jOOmrPuldl2les :md for Cash.'<iYaoo:s mdAPRs ilr PuIdl2les ml C3ll1 !J:l=o:s .. of the """"""''"'"'' You'P""",,,,",,the_iI1,,,,...,_ooukl """,thellllplidb.l:1co!d.__orCash_""_ ._~dJoapplic:1blelimit.\'aq.Jsa'P""P'l'",dJo_of my.............. ",__in=oItheoppllc3blo<limit. RENEWAL OF CABDSMID CANCEIIATION The Cad will benlid..-dJo<imeperiod_'" dJoCazd. ~ will issue vou te:IC'iI2.I. or . I ./ Cads bebe dle ameaI: Card expires:md wewUl axttiJ:D.le tOooS) m:ttilywrdo::ouatfsc::mc.elled. llABlIITY FOR CllAllGESAND FINANCE CllAllGES You rm.y... tlIe_" ooClin IlX'is :mdsemo:sflan ""peGll1 wbo ""P~ theCmi ("1'uldm:(S)"l. md Ifolired" """" ooClin!oms ("C3lh!.d9ano!(s)"l """,us,by"'l'd.~Cllo:is:md!Q'M """" lJ!lOll_dnougllthe_EIp"""E:qmosC3ll1_ :md wire ~ flan us, tip" dJo3pplicble Iimils '" your _ All _dtugod ,,"'_ whi:h iDl:IIxIe Ptnt:bzes, CashAd9=, the3llllltl! _ Cmi... orodler...and"" F'mm:e Cltzrges inJpnsoI! 1JIllier <bisAgreemenl. will becdlm "Cltzrges'"in <bis<\gr=ll. Ctqes indurle my P1.ndm!orC3ll1!,dnDo: in wI1idt JOU n.s._m inD:at" incur. Om!I';'reg2OfIess d._yon n.s. sigDo>!. citIrge iotm. You "" ~leto",forallCltzrgesjOO""",mlallCtqestltll/ein 0llll1fCIl0n with ",,!.dditiottd Cmls orJddilimtll_.'<=. .~CmlmembeGor__u..s,Uliagail3lic_ Hn&ier',Ao:xlunt """",~~mroo~ inl:unedby)'Ol1 orbyodler .'<IdiliocodAo:xluntlI=.~byC!d1,""ofthe_Cmior ._DOUC:O."'''''''''" """'_ oroOtain C3ll1Ad9=, the JddilimtIl c..~Addiliatd_llserwill be iod!aliog!lis or ber~" P'l'usilrdlat_orCashAdvaoo: IfjOO fail Ol" """"" P'l' dtlt obIigalioo./.ddiJlal2l CmlmembeG mr no< '"" ~ ChecSs issued" the il3lic CW:cembet MONTIlIY STAl'EMEN1' - MINIMUM p./CtMENT IV. willseod)'CU a_iorC!d1 billing perio:i during_ <here is 3tC'f aaivity or bal:mct on 'JWr .l.a:ouD1. On eacb. stafmIen[ a .'4inimum l':tym<nt..uI besbaon_ ."""25""'.....the_dosing '""'" The ltinimllIn Pajmeat c:ak:oI2Iion. dis::Iosed in your SupplemeoL You =r P'l' lO<lle t!tm Ihe Minimlm1 ~ or yon rm.y J>lY the Iotll ~.. BaJano: "my1lmo..1e ioo:=or_ in "" Imly Pericdic lUle m;i!{increa:seOl'de:re:.tse_che:mJ.(ll.l[!tdycurMioimum E"a:ymentthat rentIin lIllpIidon dJoOosingIJu:d.Ihe""""""'" S<Jbj<ct" applicable ~........ the right" Wr,__:md c:xerii<s" F'mm:e ~ dJoOlllStlOding bialm:oofyour_(~ C3ll1 ~ Ptnt:bzes,.1ME!lO.C. 1lmsferj mlodler... or charges in myonier at our-' c.uaLlnON OF o.;n:y l'EIl.loorc uns ... TheImly.PedodicRmsilr_mimrC3ll1_mr depe1ld "" your ~"dJo""", d.tbisAgtemlen<:md the _~myodler_EIp"",Cmi!<J:ouo1(sJ ~ mr..... dutiog the 12-moor!l period pl<C!diDg C!d1 billing period (C!d1lllCbperiodbeiog_" au '7<7i<W -l. B. The Ilaily Pedodic lUlemr _. bad", ",AIiNtLlL l'l'JlCllNLlGI! lI.lIE ('".llIf')ir__...,be ;1djusI!l!~SoIlje:t"~DboIco\dJom.ior _. dJo m.dio:fcoodinJOlll'OwJ-m- Thellaily l'eliodi:R:d! ior ~ir..;,biIIlDgperiodis !I3651.!ld.the m.ilr_inoic:mrdlatbillingperiod.lOlIlllled"the 0l!:lM:0Ill! ~<i..pmoI3gI!poiDL c. The Ilaily l'eliodi:Baolxc&!drm:elisbad", ",m.lx c&__ mrbeadjosod~ SoIlje:t" I'mgr:IpIr Obolco\ Ibe~m.ilrc&,_ .lbem.dls:Iosel in"""~TheIlaily_ll3Il!forCash_ior ..;, billJDgperiod is lI36llhd.dJoAl'ltforCash_ in oic: iordtltbilliagperiod.lOlIlllledlI1dJo""""'Olll!!l!I!-dlousandI<i. .~poiot. 1 D. -~cbefo""ing,cbedl'Rfurl'u.citlsesmdc.l1 ~:vmile IbeAPKfur_ ootin gccd5tlMiag cIi>:io5al "'1'JUl'Suw-.~in "'1RJ!riewPoOOl (0) mrporlian 01 "'I' MllliImmI l'aymeotOll)'lllt- isilld1Jled wil1tin '" lIllp3id~~OIlililling"""""""OIl""'arlllOl'e ""'"""" (b) "'1 porriOll" "'1 Minilmm1 P>jmell! OIl.... """"" is iIld1JIed,,;thin an unpaidP"'"""'Q,ioJxe~ "'" """"",""billingoerlods,(cljtlUb.""mIbe""""of""elber -F.:l\1=';"'''''~C((clI)'lIlt,''''''''''is~in detwItfo(myreJSaQ mori:s~ E Far.i""P""'oflbis.lgI=len~ 1be'W1icbi< ''Ptime R3J>" far ililIing peri<xIs eOOing in "'IlllOOth is Ibe Ptim< ib!e publimed in rae. ~Str.djarmral cnlbe !5thdzy (ar~<he 15<hdzyis"'" ~dz(,lbepreoed!ngbulin<ssdzy)oIlbepricrlllOOtb.~_ tb.n <me Ptim< lbllo is Sll pubIiohed .. """ <:!loO;e !be'bighet of sum Ptim< Rza In <he..ecll1tin Jlle ~ SJredjoumal """" III bepuhli:sl1edor"""'Ill,publi>h Ibe?time lUI>, .. """refer III !be E'time lbllo publmd in lIlj' etbet neospaper 01 p.lcitcubtion III New York, MeNYork, or.. rn"l'_...nmil:lr"'== "oordi>:re!ioa. ',' . ;.1 AVERAGE DA!I:Y BALI.NCE METHOD FqR C.UClJlA.TION OF FINANCE CHARGES" i . The~D>ilyBabna:forl'u.citlses ("AllBP'"l is'~by_g Ibe ~ Q,ioJxe.far l'utdl3s<s cnJbe.""""" "'" day ioduding on !'tttt:!i=(noIe:for_wilbar(llCGateperiod,cbiso1aIl:uion ~oew!'tttt:!i=). the annualfee.ifanymdO!ber....~"'I' =ued il<".lIllp3idF'mana! Q,zge,ordebiJs 'l'I'1ied;~l'unj!>=. an annual fee. ~ my. and other f... (_g insl1r.lnaipremimm) fo, l1tin ' dzy. and Sllbtr.Jaing lIlj' poymen' orao:li. 'l'I'1ied ag:timt.l'u1clt= for.' l1tin day. This is the d2ily baI_ fur Pun:fwes. Then. the d:lily balances for the billing perial are ,4iJsj and the totll is dMdlrl by lbe number ef d<js in the billing period. This is IbeAllBP. TheADBP:vm be OJosidered to be "'" if Y"u!"id Ibe dosing baJaru:e, ~ my. shown on )'lIltp","ous lll<JIIlb"__ ,rneatbycbe_dtJJ>d;ueshownonl1tin_illlleIs"",rn<de a i>alalla! tr:wier duling Ibe billing period. To c!/aJb!e Ibe Flnai.e C!tlrges en~foralriJlingperiod,..cnuIlitJlTlbell3ilr_!UIlofor ~ by Ibe AllBP and cnuIlitJlT!be ll!SlJIliag cumber by Ibe number ef d<js in!bebil!ingqOC Ba!ances~_atberleo<!iugp"""",, :vm bejlmje:t lO Ibe I.PR fur Pun:fwes. .Ibe""..... cf anv_ liaual,(fReffered, ucioss'OU ",,_CTOtifioi.E:aendedPdsmen, cQcm.~wilialsObest1hjea(OdteAPRfQc~ . Thei>ser.lge D>ilyBabna: fur Cash _ ("ADBC");,_bv taking Ibe begiMmg _ of Cash_ on 1be/<alllll'eo:hdaV, adding lnyoewCash",""""",f...~ wi", c..n_Sll<1 ao:roal but Illlp<id F'mana! Chag<s or debi. '!'Plied ~c..n A<mnceS for l1tin day and subt=ing lIlj' payn;.n. or ao:Ii. '!'Pfiol agamst ea.b .\d=a:s for l1tin dzy. This is !be d2ily Q,ioJxe of c.l1 _ The:l. !be d2ilyba11ncos,for<bebil!ingperiod are adt.dmd!be toea! is dividtd by !be cumber of d"J' ill <be billing period This;' <be,\OBC. To <:2la$le !be F'''''''OJ Q,zges en Cash _ for < billing period, .. rnultiply <he D>ily Periodic _ lorc..n_by<heAllBC and multiply <he resulting uumber by <he anml:erof d<jsin <he billing qde. Thetocalr01l<llCe~forthelriJlingperiodis<:il:ublloiby~ F''''''''''~ an Cash~ i'utcll=, andbaL:alcesmbjecIto' prolllllli<>\al APR.. F'""""" ~... .mtlO <be ou=>ding babnOJ '" <he a>ie(lbe billingpedalfor_tberarec:da1lmd.11Jeminimum F'"""", c)tuge for my ililIingpedal is lO.i1l PAi'MEtm MilIimun1l'aymeot fur all awg.s ;, dJJe by Ih<!';qn!ml Due J)a<Xl)OlJr lllOIldIJy~YOlIlIIll'lrJtJlJ!yus~oIlIlj'chq!illJ"lU' ililIing~ You,"""P"I'US'iltllS._'Iilh.dattor.de:l: dawn <Xl ~ U.s. b:mI: odlerthsn Ame<i:an El:[ms C!IlImia1 Bml:, and parableinIU.s.doDm,or'Oi!ha~_P'f'lbIeinllS. doIba ml d<mbIo cbroogh Ih< IlS. ~"""'" If.. iIecide" =tX+llIOle in....odlerfonD, jOlIl'J"IID'll'..uIlIOlbeaeliod unlilttis~inlD...rilh<foamdes:ril;edintbepori<lu!"""""" Womydlf!l'1"" "'1"""..iD:DtinCllllO!llfllgjOlll'J"IID'll' if "'I' {>lllIleIll"'\"l'Oll)'lllt_isootilcllole!!:Itils5iJl_1lOmy dl2rg:l"W(-m. ,.,.,.._pomloIbyl{lp1lcable 0.: IVe~"""~p3nlaI{lIliIlloDlSor,""~IlllI<lo:i" being in5iJlar..being_d.",ydlspule.....,.k:Eint my ri our 19bJs ...... illls AgteemeDl orUilir tblio.: If..""""""" P'Jlll'IltS, t!!is da!s nor rnem .. ag<ee lD chq! Ibis '-' ill my...,. DEFAUII IVe"",,_}\:IUl'.lc:wnt" be in c>imltat lIlj' time ifynu f:lil "F. us"!f~wbenttis.....jfjW"""'l"""""""....tbsnlbe' . ~Ifc!/llelfmi<s"" !'lUt.lc:wnt"'~jW_anrodlerplllllliseC( ohifglaon Ollllercbis,^- " SlJbjo:tlD oppIioblebo; 1lO3lsomy_)'lIlti=lmtilt_at my_ifany_Ol2lebyjWtollSiIlCOllllecI!OQwiihlbiscreJil pro!!I<'" "" Wseor~ ifjW b""", myo1her promise orclJlig;lr non under cbis.\gl=leat or myo1her _, l1tinynu ""'!' _ wilh m Clt'WlIh :mr of our~ or iI';;Ili! =ve mattadon from a third panr (itldudingaoJil n;:o<ticg~) _g tb3t!OO are bankruot. 'lD"",dlOlile~ ",,=hIe to P"I')'lIltdebts.. lbeybecnmecn,,; (]r;ue.~QOC~raour~oiyouraedit- wo~ 1I1 ourdis:mia:1 ~attT~cbe itlJlauotafdebc yuu are Clll}'lllgOllllj>lRdtoyoor""""""ormyatberofynurcreJil_- ""'" reg2rdlessolyoor~ca cbisAccJunt. lnoldilionto c1her ~.. ""'!'p= upndefznlr,.. ,""",,!be dgbt to """" yonr creJilu..orrequiIe<tpaymenrcf ,pOtdcc cf)'lllto~_ grezrettltm<he_Payn>:nt. /.dditioltllly,""""~J"IU'=iIldd'ow1tif"lIlj'timejW decl...~",orintbe"""riyour<kuIL Upon )OlJr dd'ow1t and subjea: to "'I' /JmilaIioos or requiIemen" of '!'P1ic- able i>w;!OO _ toP"flll o1her_le.,." U1duding ~le. ' anomey"...._byus(l)inOJlJectbJg<he_dlIe,_g F'"""""Cltttge.,if~_or""suil"brough'zgainstynn; and (2) ID proll<cttllg"""""'" IItIl1 myltom ""'''''''-'fstd!.,... acesultcf)'lllt _ We"""zisn. upnjOOtd<fuult,subjea:lO'!'Plicblei>w;decl... the enare <l:JUOlmt oi your ablig:i.lioas to us iJImiediarelY due md payable md:suspend or C3Ild :1JW'Cpdiila ,la:;Jl,!IlC 9rivilegei . DEil:'iQUENCY FEE (o,nr_is_de!iu<;ueatifJ'lUf:lilill P"fus at least <he Minimutn P<!m<nt by <he Payn>:nt.1Jue Ila """"on "'" illlJQtttty-- ment.If)'lllt i<mnIlt """"" __,..ri Ibe a>iri <be billingperiod, ..""" """'. DeIinquenq f<e cf $49. subject" 'Wlfc!/lle "" You will only be cltss'1,<d ooe "'I"!""'" fee fur my OJicimum mou<hIy p<lltleat _;,oot!"idby<heI"!"""'dtJJ>&Je. SUSPENSlON/Q,.'fCElLmON ' In addition to anyoi d1e ~OD:!we mar take !Illder~ Agreea1ent, we JUY ~orc:::ll1Ce! yoW'OptD:na.~ privileges at: oursole option" subject ~ ~lic:tblehtw, atmytfmewithorwid1autc=m:se andwitbouI giving you colice. including but not limiod to siUom inwhid1 (I) you ""'" ~ be ' an Ao;lJUll!bclder in gccdsucdiogwitb ~ to aurother,to::CunJ3 ytIU _11= with_ E:ple5S, or (2) jtlU ",ill debult MIySlldt """" on o,ll1"pattwillnotc:mc:e:l ~obHg:uioa toflElYusdIeoutstmding baI= F'"""", C!tlrges aDd e1herdtuges dJJe ca yoar _ onder lbe ten:asaftbe~inelk:tatthetirDeoftbe~orsuspert- licoriyoor"",unr,or..subseqIlenlty~ Yeu _to P"I'us aI.I 51lch obIig:;.lions despite -my smpensioa or cm::::!I:aJ:foa of JtIar Aa:ount. TMNSACTIONS MADE IN FOREIGN COUN1Jl!ES If you iDiti:alealr.tt!$1dioo.in1.fortigne'.lXrrmC7. il.will.be~into U.s.dollmsoothe_itis~bytlSar-our~tsa1a=setbyus .,. _CI1..inItrlo2ok,,,,,,",c<"",,,,,~br"")-- iIlcreadin each inslooOJbyup "2%.1bis""""-'fdillirfrom "'" in """,""<hed:lleri)<lUl'1l:2IlS1tli<n._~byeslahlisb.- rnexus(sucl1"airlines)wiIlbebillol,,<be""'sucl1esrabli:lhmm""'" FEES IVe"""~1be6Jil<mng",,,subjea:to '!'P1fc!/l/e"" L~' . Ar..oIupto$29wi1lbe~Iir"'1"""""")<IUl'/<l:llUn' l1tin;,lIOl_furiJsfoll-.Ailo,ilJOUu:setbe,C'\llllO 0lSh adJ!d:" an_=1'mel Semce Olllo:torocber ~""""""...tbecl>!d:isOltbcoc<1d!:lt\!S5iJI_ .. rimTcIIlo:lI"" JWl'_tbeporlb1<itbe.d:Ilo:tllmt-nct ilonoD!dand"""'!'cIIlo:lI"",_"""".""r$49. 2.WfRF.~ if!OO -.. mi...~,,~a ...'tiaferfrom JWl'~_"""'l'cIIlo:lI")<IUl'_.r..of$l5. 3. CDPfESrn:~ .I1IDrnm:i ff:"l'l J<ijlie:st. "'I'!'<:f mrdlodtl"" lwedtom OIl)'lllt ~ b~_c<lOl:Dl1ltfdrago. 1lO""-'fclllo:ll"')'lIlt-' feeoll3 fureo:hdlodt_...:e:r:ad<idlazll'''P!' TOllwill 2 ~~~='\"~,Jwm.!'~'ri';!t>,'l'fJ.W+FI'~g!!II,~l~_i!lt'-"!Jl-I;B:f.''':~'''''Y-.'',,'" " .- (] f" """ '- . .;.' ~-".~,,_." ! , OClbe~for"""""""or<"<Oldof~ccpiesptafuo:zd" pm of a billingdiopwe iIM5lipliaL New lbrl:~ If you owId Iilz ID """"" OlX2!Ieddlldswilll ywrbilling_for 1~YOUmayClJOt:la:us. 4...m1P P.t.YMFNT'ORDF.RS If you "'l"'" as ID ""p paymeal co . <:bed< dnwu co rwr !<I:xllml, "r!J"1cb2r&<rwr-.feeof$l'J- 5. D;n TIlE [OOT FF:E If you """". ~ tIral """" rwr OllJ:ltIlllIing!labnco In =l ycutcre:lit!imit, ~ rJJZfch:uge!'OO :treed SZ9. 5. MTOlJ'l'fI"RF...oPF.NlNG m [fyourr\a:ouctL:s~inddiuJttcr3tI'(~and.i:s ~ Jlld you "'l"'" ............... "r!J"1cb2r&<rwr _. ~gre. of $25 If such "'l"'" is hooocei USE OF c..\SIL"'lIlTIl.AVEtERS CllEQt.'E ' DlSPONSlNG MAClmlES :, , If,,,,, "'_in<heEl:pl<ssc.sbPmgr.ml."'~OlllC!llIing <he"",ofIlil:DnlinCClllleClianwilh<heExpres1c.sbl'1jlSI"'lis._ In thisCutlmember~Ptea..,,",,1D tIral~fordglus md dwies<<!:ainglD llil:"",ofthisDnlinsuch~ 1l)<re.forlOing <heC3tdlDoIaJacsl1from '" 2Il!IlCn3J!%t1elkr~is lXof<he _of <he !I'2ns>:lico. wid.. $3.00 _ aiId doillmimum.A 1% """,",,",0 is cbargi.! Ii>r_ ClJeque pwt:llasa B=G ERRORS OR INQ1.mUES/PROBlEMSWIIH WOOS AND SERVICES ' Tnciudedwililthis~'isarm:._g~infoIlltllion, oi :-= dglus ID dispute billing ""'''' If you.... :IllY qui<stion. problem dr dispute~thelllOOlhly_....ml""oyOOshOWd.CXll1l3d .' us. md..willtalzall """",,",lemd'l'P"'I'''''''''P''lDproiidethe infurntllico you "'l""'ot reson.. rwrdispute in """P1i:m<e Wilil rwr dgills 3j 00_ in <he.- _ wilh this Agreemea<.ll you.... a problem ..iii gocds oc ""^<es)'Oo ~.."g the !<al1W": If you b... :tdisputt with a/inn honoring, the h:cmnr. you 1It1Y in some ~ be oermicre:i not to oav us unlil thedisDure. is resolve::f. Those Crttm:tstana:5' "':spedlied in <heiwtic,d=ibing~ dgh.. Unle!s such ~ -'youlllllStpayas:mdseale <he dispute dize:dy..1iI Ilil: IimL lV,will nQlberesponsibl, Ifanyiirm refuseslD booocllil:Acr:cwu, orli>ranyothec problem you =t b... wilil such IimL INSt.lIANCE !!~usedterlarlWll:tobuyinsurance.,'OU give us permission !Opay prenllWIt5 fur you;vhen due.. You agree (0 repay:.!S ac::ordiog to !be temlsoc this.~L You _ltllllS in oriIingIf)'Oll 00 Iongerwisb llSlDpay ptemiulIls tOfyQU. rfyQUt.Ja::ount isc:mceiled, wewillsrcp paying; p<<miun1s for you. A.RBJTlkI.TION This.~itt"'..rionPtovisionsetSfold1-che~andproc:edures and,ntich 0.;"" (" defined below) =r be adlilnlEd _ 01 I;tjl""dln= " .Is lJSed ill this Arl>iJnlioo ~ <he ... "Clmn" """'" anycbim, dispute Of""'""""'Y belween you aoI llS .-g from or rebJing ID Ilil: c.nimemilec.\geement (<he "Agrecmenr'l. any id3llelorpmc~ "" roo =r imo itld with llS oc!be ~,n:5U/Jing from <he ,'-'''anypmc~_g<he..ndnJ;~or "'!'OoidlilAdl_l'looisian.!be,,-,oranypmc~ -0,;"," ilJdDdes _01 '""l' kind 2nd...... induding bolOClIimilo! lninlli2l-'~~aoI:flinl.pany_md - ~ IlpCll CXIIll:lC,!llrt. fr.md mloclJerill_ _....... <q1Ibl!oos._ "" md~ The_"'Oaim" is ID be ~ <he broodestpassiblelDOlllingaolilldDdes.br...,riex:anplemd_ lImimdco. mr claim, dispute or ""'""""'Y <bat""'" from oc ~ ID (2) <he>:<llllnl(s) ("!<xIDun<") acll!d.brlhe"-'ormr,""",,"oc pmc~ ocany b<lm:esQllIhe""""", IP) ..d..~ pIQ1IQIjoaSococdoc__..;:.m"Ihe!<l:xllml,gocdsoc --lbi!rlhe._ocllil:"""riiilm>:mg. (el IhebO"". 31sml_..;:.mIDC:.I_' d',(iD:fD;fiogiloebeoeilt ' flltl!l:mr.<IlI'Oifmeal_ml_~.md(d)rwr'!'Pil- CllIQQforlhe,-", I"f OaimJitlll be '-'llpCllllil:e!fdco ri!f1d ocus. br adIItmco _"IhisAdlilCaico_md!be(lxl,of~t.Cal""of <hel!ai&ml ~lOolm ("llAF') in....,,!be....!be d:Iim is 6Iel. (lfformr"""'" <he~isUll3bleoc-mogoc""",".....,,_ tiQQ~"""",,,lWIlla2Ily~Jll>inml~~ '-'''~'''Fi'-~,_ lIliIizintasimi/;ca:deof~lViIlbeOJb5lilll1zdbrus.) Fcrmr02iml -brlhis_Plooisioa,apanywllailzs_.Cbim ill. r.....itinalllltr!J"1e!ect__~"mrOaimi.ll_ quomfy _in "" r.....itbr mroclJerpanyocJl'llies. TheCalo.""'" md fixmsoflheNAF r!J"1be<ilt:lioodbrolllog,m474-<m ocbrlisiling NAF's_".....M.""""i-AlIa.imsJitlllbeliloi:llmrl1l.EoIIice oc" Pastctfiz illlr jll19L ~ llim><lctI.i5405. 1I'.lRB1'!i.lrIO!IIS 0IIJSeI BY .\IlYPARlYWl'IIl llESPfCI"ro A a.uM. NElIllER YOU IIOR WE WlI!.llAYEi1lE RlGIITro U11Gm: 1lW CL\Lll IN COUR1'OR lIA';EAjlJll!TR!AL 0!f1lW ClAl1d, OR ro ENGAGE IN PRE..IIlBITl1mO!fDISCll'IERl'Ell:EP1'.IS I'ROVIDED FOR IN i1lE NAF . CODE. FUI1:!lIER, 1OOWII!./lOTllAYEilIE RIGll1'ro PAllIICPllIE IN.\ REPRESClI'OO1'I CAPtoCl1T OR.lSA_ Of Alf( = Of CWI.WIIS PERLIIlmlG ro Alf(a..u1o! SlJB]EC1'ro ARBllllmON. Ell:EP1' .IS SEFFOR:11IlIEl'.OIv,!lIURllIIUrOR'S DECSIO!f WIlL BE FlNiJ..Iltll BI!IDIlIG.IIO!E 1lW 0!IIE!l RlGlllS1lW1OO WlIUt1lllAYE 11' 100 11'0O ro cocxr lIIIl ALSO NOT BE AWL\lll.E IN ARBl!ll.ll!O/l. n- Jitlll be DO tight 0< mdxlritr for any Q2ims ID be ..oil!2lel <IS . d:m aaicn'boOs o<co b2ses ~ Q2ims btoaghtin a JllIIllO<1'l! "P"" """'"" CJl,>lCity co bdt.If of Ilil: genel2! p<Jb1k, ocIJerCudmembets oc ocIJerp""""Wqilirrlysillt!loJ;pTllYided~""!bedaim:mt'siadi- vidmd Oaim ""lId be subject "this Adlill2lico _ F"""",""",, 0.;"" brougbtbror'!'inst .C""""'m"'-(s) oI""'__lllllbe joined or<XXlOJlidml in <he _ wiIh Q2ims btoaght br or.... anyoclJer Cattimember(s) of any ocIJer -... Olliess _ aprllO ' in Wliling by all parties. Mrf adlitnlion ile3ring <bat you 3lIl!lId Jitlll talz pl= in <he federal judiC:d _ oi rwr resi<!en<a.\l rwrWlilimIeqiJest, we will_ ill goo:! iiIilh making a <empomy.mn.. if. all. or part of Ihe 6Jing, ""'".......... and/or bearing flIrsliJt mr Oaim !f1d inlJiaJe " lDwhid1you...we""'~.\l<heClllldusioaol<he..oilt:llioli,<he ..oillalOtwill de:ide.to oill aJrimaleJybe relpOllSibIeforP'ling <he 6Jing, ~ m:fforhe:mngfees iacorrne:lion widl d'II!! arlril:Ddon. ThisAdlilr.ll!na _ isatlde~In''''''''''"''''imoIving~. -~ mdWllbep<medby<heFederolAdliltllioa;a,9 u.s.c. Seaions 1-16." ~"",!,be _ (Ilil: "FAA"), The_sltdl '!'PlY' 'l'P1iclb1e",""""",, """"""""wiIh <he PM md'!'P8cbleliilines of iim;t!liOas mdJitlllbcoor_oI ptlriIege <o:agnil2datlziai>:l.',,1he Iimely_ofdlberpany;shallprorideabrie/"",,,,"~ofllil: basis roc <he awanl fnc::oiuaing 1he_pnxmiing,1he ..01= shall ""'l'PIr<heFe<!er.d"'mr_ mlesofi:i'1i1~ormles ri eYideooo. in >:Idition" Ihe parties' dglus In """"I" inlOm:wion_, ID llil:G:de.cilhecpany=rsubmi"~ID<he_wilh a"'PYof Ilil:_ pTllYided ID Ilil:otberpany lDexpmdllil:"'!'Oof'""'""'r aJlow.. able lbi!r <he Code. The dlj<cring pany ""l' submil olljeaIm!.lO Ihe , -widt''''PYoflheobje:lia!sprovidedlDllil:~pany; '. wilbinfifteen flS)dajsoftbe-tequeslingparty'sOlllico. Thegr.mtingor deni2loieitbetpant,_oill be ill <he sole_of Ihe_ whobll'OQlifr...pam.soi_de:isiQ" wiJ!>ia tIOeinr(20l da1s 01... objeafag pony'ssubmis.ioo.jtldgmem. _ <he...m mi.red Iii' iDe..m- =r!J"1be_inmiallltt~juimictlco.The,",i-.."s .. _1ViIl belia2l andbiading,~li>ranyrtihtitopped pro.;did,br' theFMaoiIor,IfIhe """"",iiihOawml"",,",loo.coo. any.pany= 'I'P"'l,""awmllD .~poaelodmiilislmdby<heNAi'_ lbaJ1""""""""'=mr"l"'toflhe_...m"'l"""'lby<he '!'!"'lingpall' The~panysltdlb...Ihirty(lO) dajsliom Ihe da:of enayof<lle__...m ID llCIiIr!beNAFdttt~is_- dSlJI<hedghtof'!'\lOll. The'!'!"liMbeBle!wilh!beNAi'iIllheixm, ofa_WliJing.'TheNAFoilllhenllClilr<heotberpany<bat...;"",t,' , ilzs be=! ~ TheNAFwill oppoiota _ubilz:loltpanel wba oill OXIlIlla"'__ID-!beNAECo:IeJlld_ilo__ -buo:!o.Imd_(l1ll)"",oilheda:ci<he~~. no<i:e The_ofllil:poaelsballo,brllllljodlr..,.,.,lllsballbelia2l' mdbimling. The_cillld1"'wolwillbeb:lmebrlhe~P'I'i ~ofllil:~oflhe'!'\lOll. ' ... ased in <heAd>ilalb1-. <he..... ....,. ml..... sbaIlfor.a pwpases """"Amorir:::znEspoos1la!l_s.;rio!s~ fnc.. Amorir:::znElpms C!amrl:a BmIt,.. ~ dcillil:irpmms; wbaUy orlll:ljoritroooed...'.' alBIazs.~.............""""",- mi~ aoI mr ,...:-of:-= h:toum;md all ofllil:ir_ ' ""I'",..."dllecoaml_fn-.,....,.oc.....sbaIl """ mr - pmy proo;lmg mr pmlIxr. serrir:! or beoeiltin """""'"'" wiIh <heAa:orJm: ~bol"",IimizdIDaell1-"'_ wba hattIheDnl_forlhe"""""'lhinil""'loswbapro9i:!e-or ~ ill ....beoeilt_emoiIment...mml_, p_ aedlI_axnponies...._ mdalloflheir 3 .....,4"" ~ ,........"..... ~-.~=~, ,..."..~ -<~ --, " .. ," ~- " " ,._,,.' '. ,.~~-SA'"'''' '_',n_ ~'-~--'T~'imirrn'"':"~--TT"':';ti('~k~t~,,:Y""'~~J (nrfini)~:~~r~,' :~Y'~lr~"i1:?'-::tr1 "- , >. ~OllpIOJOeS._md~) i4mdooIyi4SL<hdlUd p2rty"is<mm"'~with"'in.a.im_b'fJOO." soi<ly used in this Arllilndat-,Ille """')cu" or "yrJ1rf' sltill ""'" 111 petSOmor-'PI"""'iby","".ille.\a:ounr.iDc!uJing but IlOC limir.d lDlII petSOm or ",lil!el 0XIllXlll2iIy oblipod uorler ille "-or...,prioT~JOO mr....hzl with '" ml:lII:111lb<>- riml=oIillelmJunt Thi:sArbtaation ?rovi:siocsitill.5l.lIYM:!l!Imio:a.r:ioor:i.YOUr,.la:olmtJS~ "roIlllltIrfpayment oI the deb< in full b'fJOO. my ieiu,pttX'01ing by", "OJIIe:t. deb< O'IOOdbyJOO. my baWuplq byJOO omd my sale by '" oI I"usl<roontlfmyportionolthis.lxbilr:llioa_is'-in...d or llll<lIfi>=b~ uorler..., "" or...... _with <be EM. itsltill notilmli<tueille=iningpollioosolthis.llb_PttMsian,ille "-ormyprio'~JOOmr....hzlwithllS,e:Id1of_ sltill beeofuro!:zblereg;udJeo:s oISL<h ~ Inilleei.c!of .cmiliaor ~~<beN.\FCcdeomdthis_-.this, .Ilbi__sltill~ f:' 0..- ',' I Note to CaI.Iiontia =ideol:s: This.llbi"""" l'roYisi..; sltill not 'PPir "JOO unless omd IIDlil JOO "'" <be um afler...ll<ldfyJOO in wriling ~ i' is1jlplicb~inC2lifu_ . j" , , WAIVER ' , , ' Our f.ai1r.ue iO emcise arrr of our dgblS 1IDdo- dtisAgreemeQr. arOm ~ of our rigblSOO my ooeocctSi.an, shaIlnotamstilutt:j, ~ofsuch righlsOOaIJ.Yod1e:Fca::a:sion. PRIVACY Om=ner R2{iorls I I You authorize. us and our affiliates to J:IJake wb:arever aedit in'l'eStigaaolJS we d<em 'PP"'I'- omd to obctin omd e:o:I>mge my infutmaiion.. =r' ~~ from consumer repotts and other.soun:::es.. We =r ,",0Jmlllnet reporting agencies fo,OlOSlIlIler"l"'''' oIl"llr""" hislDry. Upon_...wil! rellJOOwbemer.OlOSlIlIler"l"'""'" <equesJalomd<be= omd.......oIthe"!l=ltb.tfumisi1oiiL !nlolID2lion cooceming your Aa:o<mi =r o.fumishfd by US" OJ""""" "I"'rting ~ Itmls orOlberaedilDt< If...de<exmine tb.t your -ispastdu., ......crerlit_mrappearo. your OlllSllIIlerreportomd<be"""""","I"""oImy_AcclIW holdas on your Actoum.IfJOO believe inIotmalio... bzre fumisi10i aboUtyourkcount.!rJ aO)[Jsumer reporting qe::qis inacaIr:1Le, you sbouli wri.. lD us 11: _ Eal= Credit IlUle1U Uai~ P.O. Box rm. Et W:Ierd2le, FL33329-rm andidenlify thespdc iDfotmaIiou JOO beiieveisiDaa:urare. .. ce<jUirerlbylaw; JOO ""berebyOClifi<dilta.oegatio:""'t"l"'" ceileaingonyoor"""t"",,ll!=ro.lllbmitiEdto.crerlit"!"fling agepcy ~ JOO 5tiJ to fuIlill ille ""'" of your """' oblig:nfuns. ~ ProWbd iuAjJili4a$and Io'~g ParIna-r We lD"o/ e:afunge my infurmarioa we re:me ~}'lJU with. our~ indudiag my crerlit or other iIlfomwioa we mrobttia from your_'l'Pb don orCDll'SlllJler.reports. You rD2fdirectus DOt to sl13rewU;b.our_ai.ii.IiarEs 1lldsubsidlaries_crerlit~(Olberlhm_or"l"" "<nee inIoomtioa) idloot JOO or my t.iI<liIioD1l ~,) '!' yOur _by"""-gto,,; at:_E1press;eo.Bax~52,E1.~ FL33329.l'Ieale iDdtlliejOllr_OlllIiberimd~~yonr~ 1jlpllfs" my,.;jj_ =lmember(s) ,;,Wen. We mr '"" cilJ:mge inIotmuioa about j!ll1 'Oith our~ patmea. TeUpIxme 4Iimuoring '. From IimelDlime.. lItl)'_tei<pba>oolJs _JIlUor!J:ifi: __bol:letromduslD .....1III:q=litroiour_""""- ~:~JIlUlmetmilol~us",yonrinili2lapp!icaixl omd 1nllll1ejS, ;..t.,..."" d.ime:llnmboVl""""'Ibo-omd !nlotm:rtIatfromall!rllld_iIldDdiIlg_~& ~_ (inc:bfiag1lll1ilfDl1im),byllSomdour_We 1Itl)'.'"" "'" m&.m.rinnd.ime:llnmboo'l"" ""'tb!'-,..t. IJIJlX%editiaW-II,noL.1 miI:able&mipubli::!DUlteSlD'~ lJtIiJ.iqgHsrs _ "" lISOl! by o:mp:mies with wIicm ","""lDclilOIql.)'O!l illaT ""'""<Ilroa%h 1beltl2il.1f"...,1fmel""Oi!Ittol>aejOllrll2lllOomd 1IlI<I11!!I_1nm3llCb lisls,plezeallm.m~ u.s.o{Omiat_~~ _ E:qRls 1m 1!Ilt1!leiin8l """""",Uhenable 1III:um ,,0. ~"~.F<dol2l~~m1~~ ("~...'Oith um ~.-Ji..w "Clllllml!,ii21~""""~ ....l"" ~ lD U>ljOllrum" mAf/P'Tcot1int!l:ajo- ;, =rilyOJile:Iedby _E:q:=. c:ltlIge ~on from Call! _0113"~ mro.=1forpo:=iag~ md payment!. billingmdOJ_o:militsmdnraro.~"",~ ar12!)'i3 omd_g oc:ivilits.,>aiid=!-<OOIiae "",,' oidtuge iafullltllionbr~""publi3hed~inllleF<dmlRegisrel: BENEFITS AND SERVICES Subjea!a tl1e~of:rourjurisdiction. >:e~,'l:! ttedghttD3dd, modifiror delete:my benefit or semc: Olfa.~ '.;jrb.?! .lc::::unc lC '!Irf time widlout natice toyuu. r CHANGE OF BllilNG ADDRESS - NOTICES You should nocify us imrnediareiyoi:my6::;;n~ Ut:*OOl'billing:Iddress.Aay llOdcegi'reCl OyusshaJlC:edeemerlnbe~whe1~te.!in the. Unite.! ~M.u._ptq>ai<I,3<liIes2dtoyou"<he""",billing""'" shown on our records. CHANGE OFTEfu\!S - ASSlGi'iME'oT We !ItIY assign Aa:owIIS to our :1ffilizes Ct' 11) some o<her fin:mcbllnslitu- tioa at any time. We.ma:yal:sa~dJe~cior3li:ioewcerm:s to this "-'"...,-. _g~>hidI ,"",,_g 1nI""" " Finmce Cltuw: r.lleS,m """""",,.w. ,!,!,Iici~ [". REVOCATION AND VOWNT.-\..'Y CANCELL-ITION Wecm. reYOe yourdgbt. to use d1e..l.cJunl:orC2xd1C.my time.. We em do lhri whether or not you ~ viol:uM this.~ wUhot1t giving you notice. Ifwe revoke the.Cud.JOUmusl:~the.WiOlJSif~ceque5l;. Aha, if a linn that :!l:C:ep1:S Cards asks!OO 10 surrender :lll eIpired. or reYOked C3xd. you mmtdo so. You rnarnct!lSle;ctleC:ud 1fte.r ithz:!!Xpired orm " 1m been revolo:d. [f~u ~.llS III c:mceI. :rourkount. ~1Jt;mucoo.dnue to use your ~t afterW2Ilh, vrewillconsidersu:::huse1Sj'OUI'reqt:estforreinswementot your Account If -e:igree to ~:uur .lJ:::rotnU, d1i:s Agreement or any amended or cew ~~ ~!l]ll,;ill govern. :llJur ce:nstuerl Account When ~ reinstu!?Wi".~ ';;'f!. m::cy reil:!sr:I.re my Additior13l Cuds issued in connection widl:fOU['.lc:::unC. md bill you the appuCIble 3llll113!fee(s), AMERICAN EXPRESS CEN11JRION IWiK c ~~ D:mdE.!'ooIsen p,.,;denrJCEO TO OPTIMA ACeOUN!' HOWEllS IN IRE U.s. AIID ITS TERRITORIES, YOUR BIL.ING RIGHTS - KEEP TIllS NOTICE FOR FUIIJRE USE.. Th.is aotice contains importult !nfurmadoa abow. your rtgbcr and our respoIJ3ibilitie und.r the "F:Iir Creriit 3i11ia! )a." N<11TIT US IN CASE OF ERRORS OR QUESTIONS .\BOGr you" Ol'IDlA.\eCOGNT SWEMElt If}I'JU tbinkyoor st:afe:IMnl iswrong orif]OO oeed mme iIifu~oa aOOut a!mlsaction OIl j'OUrst:ueme.ac.lIIliI!:usoo ase;tUZesDeetO! paper at me :u:kira'5forbillingmqu:iries!i:su:donj'tlfJ1'~ Wdtl!:_to llSa1SOOt1 as possible. We O1IlSlhelrfrom)"JUOl 1zi!tm60d3F; afler...sent)llU the am"""""""on_illeemlrorptoblem'P!l'3"'ifoocmalsole!e- pho""usat<bet!llItlber_lXlillefromoljOllrbilliag_~ but doingsowil! tlOtpresel"'yourtigitls. 1n__p",illefolJowiag_ Yaurll2lllOomd_1lIIIIlI:et: Tbedolhr3ll101JllIoI<be~""", ' _ <he=omd~~~l""CItl, wQyJOO believe thm is m =IfJOOneetl....iaixm2Iio:J.dits:ribe <be""", JOO are notSUle about. IfJOO I>ae:llll!loliml IlS ~ pzTJIXlr _bill-.",;,-,i1y from your sarings orcbs:iing _,..cmSlllp 1III:1"!'"""'" my"""""'.)"JU _13_lbSlllptheI"!'"""JIXlr__=l1,IlS__ '"'" berm <he _P'l'D"'ismdulod"<XaD: YOllRJUGHI'S.AND OUl1.RESl'O=AFTIRWE ~~~~=~(JO)d:ljs.","",,"'bzre OJ<l'eI2d 111I: eaor by then. _ oinq (90) d:ljs. ... _ either conect <he.o"ror"'Pl2iawQy....i:<Iieoothe-...,= '~ 4 ~~~~!~~~I"""~~~~~~~~,~~"t<,I""".-,~C{.-:"'" "'.,',,,-,',,:';.w~~'~~~l _ ~~;m~"!N':<>"-~"i,"'" ,- ".'",n -"""_~, >"'''J';P:'f'''>ljl~~!~,!Hi;",,;~pW:~~ff,r~ti'l~~ 'WAo"..'- ". Alrerv.ll!'1: ~ ~ _ 1M! cmoot try lD o:X1ect my amotml!oo qD!5- tIon. or report:ow 1$ do!inqueaL 11'. "",_" bill jOU ir<lle -:OWqu<slicQ,illcluding_Qqes.aot""""''l\llr''''l Ull{l'id - '!'imt )'OlIrcedilimil. '(llU do ""....1Il Ff ""I qtl<5- __olliJe""""~butjOU,,,sliIloblig;ll!d"Ff ' <lIep""ri!"W'biIldtlt"" ""inqueslfllll. h.linddtlt"" <Itlde._ooj'OOl"SI>leIllClI,jOUwill""....1Il 1I'!':my '1IWlOO Cltu!= cd:uallll m; qu<lIialed """"'" a"" did "" "'* i-.:ow may....1Il Ff ,= Clmgos. md jOU will....1Il "'*up :my_~oo<lle~""""'" lneilber=.. wil1 seOO jOU l"","""",ollb" """""'JC'I""" ml<lle.... dtltk is due. [jOUf:illIllIl'!'<lIe_dtlt",_jOU-' "'rrJZf"l""jOU1$ deIiDquent ~ a our "Pbnalioa doel ""sailfrjOU md jOU_1Il uswilbin.. (10) <Ia.J> oiling us "'jOUlliIItefule 0;>1>110 "'llll.l5to!l "'!""""" reportjOU III dtltjOU .....qu!SIfa1 :m.:j'OOI"-.ml ""llItllto!ljOUll1e""""ol"'l""""~jOUlD. ...."""'>11"'1""" we report you IJJ dtatcbematter has bemSl:[ded~ ~wbea itlin:alIyls. a.. do 00< follow these cuIe:s, "" ClllIlCltOlIlea <lie fu>tj50 ol<lle'i"'" tiooedamounr.~if}'W1"Sl2lE:ID:!ncwzsaxte::t 1'": SPEOAL RULE FOR CREDIT = PURpt\.SES a 100 ..... problem with the qwlllJ' oi P"'P"'Y or;;;".z. dtltjOU ptlldized with <lie C1ll!, md jOU .... <tied in rxxi '"ill III CllllO:t the problem witll <lle lDeldtml, l"" ""'l'....lb" right no< III Ff <lie _g_....on<lleproperlJ'or~!bere""""'_ IIldluriglu: , ;' (a))OO must !to. m2ie the pwch1Se in j'O<lt bome """ p< a no< wilhin _ home -. witltin 100 oliIes ol )'li!r,cumnt nuilingoddress;and ' (b)dI. P_ pria! lIl1lSt.... been ""'" dtzn S50. Theso _ do oat apply a "" '"" or"!"",,, <be Dl<ldwtt, or a", m:Iiled~r.headverti:semeoc(orthepropertrorseIVices. NOTE FOR OHIO RESIDENTS: T1'.eOItio law apinsl_ reqWes ...111_ ",*aedlt "!U'illr awilable III 111 aedltwonhy """""'" md dtlt aedit ~ 3gItllCes __ _aedithism...,.elC!l indivi<fuat upon request The Oltio Civil Riglus Cammis>ian _ complim:l! with Ibis... SCOPE OF AGREEMENT' This'_'=_~in<be~Gashl'logt:nn oif...t Or ~ Express (lb" "Propn").!n Ibis.\greo:meo!, <be ""'"' ""'" md )out' ""''' lb" C'~ obo Ita 'l\lliei ID pmicip1le in <llel'rogram. Tbe""'"'........""'md.."...""'".-~. T=:i ~ s..vm Company, IDe., _ _ the EIp"" Gash ?rogcm in io cpa:iq" _ir_ ~ Colllurion IlmIt. The '.... :our aedit IiIle" ""''' <lie line ci aedit an <lie 0p<int1 Cad ,\a:lunt.... '"'l""'1Il whid:l .Cad_ ilsOed 1Il)OU. For_ cilbis .,-anlr,unless..spedfyadlelwise,<lIe_"CmI"""",<lIe . CplimaCad_")OU. ~ in <lie Express Gash Propn willeooblejOU ID ...theCad III abainCl>bfrom._T<lIer_(".mls")q>!l:Ill>ibr""l ' b1Ili: or 5amciaI _ dtlt patfdpm!s in <lIe.!rogclm ml"abain .- Expcess"n..eIe:s Cbeques ~ mlcasb." 1V1ibbIe. dlrzaIy fromAmelicmExpress Ilispenl=E~.in <be ?rogcm ll>lj' 110>...... jOU "abuinczli """""Cllop,j (iDdcdinc '" _._Expcess"GiltCbeques)~a<ber""""''''=r "'* >nibble. Sud1m1s md_I!l:pleIOIscensets ...I>.~ ;tiomd Ill" "lbdmJes.-. ~_llIldet<lle l'logamis. ~I'l!ti:md:03S~'"TlJ J. L "nxwmis"od:Ier~.lO -_""*apllms mIIara<berem ml Cheque """ >niQ.- Express I1IlII' lltll:eanibbJe from lime III dmt. !be ?rogcm ""'!' 110> enable JOU"'pudcipID: in a<berapllatl. 3!'usin~ <beCmllllabuin<:ashorCllop,j~ thel'rogram.jOU will be~~witllus"'""l'llUng_.... ,-. '--,f^?" .~~'~.~~,"',.,. r , ' PERSONALIDENIIFlQIION NllMBElI. MrorjOU.... _in <lie Pmpn. ..will_Ill jOU anlbr)lll1" _ yaar """ !'=mI..........",.,1l1miler ("PI!f').Eocll <lme jOU .... "abuinczsh.Cleqlzs.ora<ber_underlbis I'rogram.jOU llll.l5t5llpp/yyaarPlll md ...orl"""",the C1ll!, 1I>......lh>tJJO..... _I, '-...lIl:llleunder<llel'1ogam.jOUliIcrJlI....all !e1lCltlllle preoudaIs" p..-mra<berjll!ila>....l=ing,j'OOI" PlII orll:liDi<lleCanl.for""""'l""$culd"""'''''Pmr_ o:llll:Iiuingj'OOl"PIlI mzlloIlIlorwith theCanl. Otberap<ians =rorlItl}' ""require <lle...,hPIlI. I..IMIr.i ON 0BTAlN1NG CASH OR. arEQUES l'te!ol!); JOO. =r _.em mor Cheque:olv= based an yaar _<:ash line. ThelltCinwm .c..fmember"",abuin~:my """'Ur;<riodis$l.OOlOtber_=rbeiDlp>!edatour-. , Allo,<lIeb1lli:llplOZiDg.lbdiioe....,imp:oeils"",,1imiIs1lld;irleCl>- dq"""""theb1lli:ora<llerplllrideaci.....l1IlII'lmeaddilionallimils on !be !1UlJJberormJOOatri~ In no """'lItl}'jOU _ emarO>oques in """" ol~aedl<1ine. PAYMENT FOR CASH OR CEEQUES Eocll_l"" _lo-.jOUalllbod1iousorour..,1Il cba:r&< III jOOloeditline1Calh.'<O= in <be _ri<lle.-. The _<<the O=ioasb1llbe <lie 1lIlOlJlllricolrjOU Ime ",,"ved or the bcz nlue oi the Olequo, pins mr applic!ble fees or dtoges. Thefeesardlagr:s..._in<be-'cilbis~ _ "OJARGES." This dJ1r&e" j'O<ltaedl< lice lXlllSli"""l C3sh Mv=i:.whid:lisbilledan)'OlltCad_ ' ' CHARGES !be fee ",eachCl>b """"'"'" "llt2dtinesb1llbe l%ci<be_ci !he tran'S2aion, with:t S5.OO miaimum mi DO ataimum. Am. an owner ri.ma<:!linel1llll'imp:oe.~far"""in addilioo III ""1=- lioa fee cb:uged. For Cheque lr.lIlSO:liXls, tbe fee 'l\lliable ID ptIlt!wes ol Cheques sb1II be 1% ci <be bee ...uue oi <be Cbeques in jOOt billing ""'""'Y' Allo, lb" lr.mkarplll\'il!erri..... =rcba:r&< JOU addiJio<td fees wben applic!ble. FORElG.'1 =cr'IRANSACTIONS [jIlUiniJia!e1tt=ac:i!Jnin1~_hillbe_inIo U.s. dollmoo <be d20!~"p~brusorllllr_ "1 ""'," br US based an 3Il inll!rbonk. """,,or (_ requiIl!lIbr law) ai6d2l!'1le, inae:l!edineachu=bvup"2%. This "",""'!'diferfrom_in elieaonthedaleoiyoor~f.l:presseamr,., . ~tiI1fua:igD. CllIIel:lCia~br~bmksor_tbioip1Ili<swil1be billed "the_silcitbmksara<llertbioip1Ili<s.... TRAVELEIlS CHEQljE REFtJNDS You agree that if you obain or use Cheques. your rigbc lD re:a'1e 3. ~ or "P"""""" if these ~... !cstar"SlOle:lsb1ll be subject ID 1IIoi. tbeomdilicmlisteibe!aoo:., ' . l""....sif;no:l tbea.qu.in <be'l'l"'!elt""""inp!lJllm!lttinl:;, . jOU....notsif;no:l<lle~in<be""""!elta>me!; ., . lllulmenotg;.en<beCllel\ues""",",,"~,r_" bold. or ta lo:ep. or as o:att ci. 2. c:aDdm::e g:zme; JOU.... not 1llel<lle'Cleques in _ol ""I~ iIxflldiIii" pmoimillegoIber,pmorid=:eora<berpro/llbiledo:llm; . jOOl Cbeques ""'" "" been t2lm .., CCUIt !llder or br pem. all."':lIoo; . . , . jOU imnledbte!y lllllili' lO ri <be ...or ibeliri <be <lleque:s;'jOU report 1II""'ri<llelnssllribelilDlOmd1lo>1D<bepalld..asi:jOU"; , . jOU in1ixm us ol <be _ """"'" ol <be !os! orsrolen Cllop,j1lld' <lie pbce aot.... ri pottlla: . . " , . jOUClllIlpiet2ourreiuDibmsmdplOridelOwiIflact>!{ltlbleplOol .. riyaaridenl!lr.1Ill\ . . jOUgi1<lOlII....."..,..........mlbe!p ~"""*,,. ClllIlpiet2ii.~ritbe...oribeli. ' '...........theright"imlsipe<be.;". aiauylnssoribeli. ....C1IlD:lC""ll_llOauya.q... , WlUT!EN IlECOIIDS OFnMlSACTIONS ,'(llUwill~'receipc"'<lIellmeaie:o:h_at._ deo:ribiDgthe- fuldlllan...will..Jitbe8oli<C""'-'- 'lDlllIlblr_lllcoing<lle.....ci<lleCad""""",lII__ -'ml""l~......inlpaooI.lf"""'llll' " under the l'qr:nn in . parIlc!lbramlr,.. =r llt<seOO'-' 5 -~..,..,....'- ,-"",,"... r "-, "~-, ,-- .- ""~~-C"."]iIlT"-ffl\1llJrc]JIIJ lII!I;f"irT'f 'Kil"",V " ~ LlABJIITI: FOR UNAm'HORIZEDTIlAo.'lSACITONS AND ADVT.S.l.IlILlIY OF PROMPT REPOlrnNG Tell ",,u: ONCE ifjW ileIieoo Ibe em orjllllr l'IN ltasbom Iclor, smI<n or lIO!l!'>ilhooc)'lllr~T~i<Ibebe.t'"'Ttimillimizin, 1001'"",,"," ""'" Wo..uroo<bolijW Iiobleilr"'l'-~' "..;~, tl:mS>:lialwltidt=.....jWIJ;Jfifr"'<i./air,tboir.orpooibleumu- lliorize!use<iIbeC2lllOC)'lllr Pll/. rn "'I """'.... ifl"1bi1 ~ 00lify "" _Iilbilitr:or my _i""'-i """""'" 0M0lies 01 ~ IlIl3Il- Iliorize! '"'~""'"'sh.II.""l!XCl!Oi 150.s., lbeso:1ion _ "HOWTO COIfOCI'US- be!ov< OUR LlABIlITY FOR IMPROPER TIlANSACrrONS OR PATh\ENTs if. ~ is GOC<IllIlp/e!el", l""b;oe cI!recoior if", do "" ctllDplete 3.l:r.ul:5furlO.orftrm)'OUX'ae:litlineoo. time in bc:oae::t _ '" will be Ibbieilrjllllr .....or"""""" ~.... "'\ SOIIJe """Plims. W...ur not be Ii2blo ~ l"1 in Ibe ~ iosI:ln=, . if tho tr.m=lion..uId <=d tit. credit limit on ~q.m. """ : . if tbe_or otberlocuioo..... j'CU'" lltd:inglbe__i ti""doesnotb;oe"""'!l>osb.or~ 'i if 1be__not"""'"'gp"'l"'ir.auIj'CU.....ifus "tho - j'CU stated Ibe "='<ful; , I " if_be)'OOdourCllOllOlc.xn"lireor!lcai)Pro1om ' tbetr3ll:octioo,dospi..~~dlat"'....tk.; , " or ""fotber"""P'i=stml in this',,-< ARBlTIlATION ThoCud"'oJlIDtis~by lbeprevi""'agreemonl Tho~ P_OllI!2m.dwi<!tin dlatoglWDeotappfi.." tb;s~ Pm rerer~dlatprooision"!Wte>!tb;s"-< .: ' DlSQOSURE OF ACCOUNT lNF0RMA110NTO THIRD PARTIES In Order dlat)'lllr pm:.;y mar be pro<e:Il!<I. "'..ur no< dis:!cse Ul'finfo=- tion al:out _Exp... Cash .....,.jjoas ~ ""f_ ""!l''' follows: L3Snecessarrtacomplete~ l~...uytbe_mdClllldi"",oIlbeCud_:or._ party, such as 3. B:aanctal imtiJutiDa or 3. aedit bure::m (Ol;-!Or~~t~ rerldenIS. aQIDSUmert!pOrtfng agmq ''definedinCb:ipll!r9501tbeMasf>.....-G<oo:1IUIis); 3,""""l'Lywi!b~_OraJllItO""'" t ~ our ""P1oJ=, audim. somce providm, _ or_ agemlnlbecotltll!oItIl<irdutios; 5. (Q pelSOm autbotized by raw In!be courseofthetraffidaldutie:; or 6. if you gi:re I.l:5 your written perm.issi(lQ. HOWTO CONTACT US [f ior my rezon )'(lu -wish to contaa uS about me EIp~ Ctsh Program. aOOut)'lllr partidpalion in tbe ProgI3<ll or aOOut """"'""'" _g ~ lh.l'rogr3m. _orcall ",,,__Ezo,,,,,ThnoI_ Senia5 Company, rn.o, E:jl... Czh Opor:lEiocs, EO: Ba% Z7ll84. Gteensboro. Me Z7425, !lXJ.G\511-NOW' (Z4 boms.4 7 clops .-<l_ IN <ASE OF ERRORS OR QUJ3TIONS ABOtiTYOUR TIlAo.'!SACIIO!<S WriJoorcall","tI:1eOlllIlberor_gill!ll,""",,"5llOl1"j'lJ1C1llif )'lu think jllIIr"""","", orteC!ipt is_or if)'lU lll!O!lIlOlO inbntt- Iioo aboot'__oo)'lllr"""""",oc=ip< Il'elllUSlboar from j'lJ1 00 12lei-<Itm 6acbjs ....."'''''''JllUtbe FIllST_oo _lbepd>J.mor='I'l"""'i L Tell "'_=mlCud__ 1_IbeOll1lrortl:1e~l"1""1lIlSlIIOobllIl,md. "l'bin 3Sdearly")'lUCIll wtrrJllU ileIieoo it is m.....orwtrrj'lJ1 ceei.lJXRi~ . ~ToII",lbedoll2r_ottboSllll""'d= ~l"1I1!l1",oally,"lIl2I'''"""j'lJ1ml",JIlll'~or qu<llial inWlillng_lObusinozda,s' fromlbe...j'lJ1_us. W.willrelll""tI:1e"",",,<i=~_lOIlu!ill5da,s' ....... boar ftan jW ml.. will ""'"","'I <lIlX~ if....,,[ ""'"~~"""Tt:iIoup~4S'~clops~iloo5lig3lI!JIlll' ccmpi2iDt or 'l""'iaL ~'" ~ ~ do rhiso.....ur..... dtttJllll' bmI; """""jllIIra.dl1lino_lO"",",,,,,cbjs"ilrlbe-l"1think "in= ~..alI:JllU IDpolJllll'CllllI!lI2intorql105lb1iD.miDgmd... "notrec:i'll!~_lO~da,s'foIlowiog_oralao<illc:nion. "'lIl2I'lIDl"""<iit)'lllrcrerlitlino ror~_lllJlSiW!IboU.s.(mdlntbe-,tilere"".",.. ~ ceu!ting.... 3ll'{paim-<i.....dobitcml~). ",..urb;oe'lO c:U.mlrcbjs~"""",Io!!OIII'~_"""""",~by"", ifll<llilic:uicn<i"'_anj'lJ1r_is~_lOc:U.mlr days ....._.'<tmmt is cpellfd, '" will a... 20 buome5 days~ prooide )'lUwilh lberesullsolourimozligJIionmd"""",my"",raul90days ~ <IllIlplo!!tI:1eimozlig>lion. ~"'de!l!lmine dlattilerewas '" =< ..willml)'lu, _ "l'''"'''- tIllu ",<!tin l ~days Jft.:r",!io;,Qour_!"ion- Upou your request, ",..urpnmdo)'lUoiliIu:uie<oItbe-. dlat.. usodin our~~",b;oe~<=>:Iilcl crerlitlineclnriIt tbe. '. -~~-~, your g "'._~~dlat....was",o:iol;"willllOlifyj'CU ottbe"'''''wbidl'''willrede!lit'''"'crerlit'~- aullbeamuont" bo,_ .-' BUSINESS IJ.\Y rorpurposes 0I1bis,\gle:ulent. curb,""""clops nlWulay"",,~ Friday.llolidajs"""",_ 1:E!lMINA:rION w..or""f,~'bacl:or_--'=rol:lcr,,,,",,,,,:my orallX!lolsoreJ:ll!O<iorlimitlbe""""'pmom!WbootODCiljiugj'CU befu-.In-'''''''T_lheProgolm"auytime.W< . lIl2I'alsurooolz:j'lJ1rright~~inlbe"'-liutif"'do,,,,will iI"')'lu_""""oIsudlreo:ction. Youlll2l'__~ liooinIbeProgmuIiut)'lUllIIIStdo",byW!iliug~","the_ ' disduserlin tbeso:tiouoltb;s~",titIerlllOWTOCO!ro.crus." Your dght~ participaleintbe Progolm willaiso Ce~ if tit. Cud ,l,cmunt is c::a::1ailled for any i'eSS:ll1 or \he CJId. Account is not in gocd. stmdiug. W. re!Ot'IO the tight ~de!y1ll_ for my requestfd trans- actien {or my ocher re:!SCn. ~ )'lu cluso )'lur ,'a:ouu~ you 3gF- " oolify '" "'" md " SUlp lnili3ling -- Youagreo~pay",ilr""fCbejues.casilorserric:swlIirh cemai:a uu:paidafter!Prmin~rintt PRIORAGIlEEMENT MID .ISSlGNlrlENTS TlrisAgIoemouttemlicall!s md rms lhepl=oI all prior~ "you lIl2I' a... oiliI '" rehuiug ~ tbe Progmu using tbe Op_ Cud. ,W. b;oe the tightlD",;go tb;sAgl=t" aSll!lsibyor_ _""'Itime. r ,1. c qL' ~ff AIfmlEK'oIIyJt - Caosumer Can!. Services Group I'<n'.,.,.... sof<<r -.hen usiug.. ,IDf, pl= 0....... the foDowlDg: U"",AIMj'lJ1"'''''''l;'imi<le'~,"",lheOllrfdoar""""""",, l1pOll~_wtJu.....~..,,[~pilI=lDau AIM sbcuJdb;oe acml. 11m ""Tbe _wbeu \IllllIJlIlllri usoa pill =~ mmllItldJiDedlat"'be)miauiDdi-lidlJal'sOlllll1ll , Putwilfxlmucasilor_Cllopsin.=pio<o.....SlZppiug away from Ibe.mt. Be ..... ot JIlll' SlltlOOl>tiElgs if j'lJ1...... j'lJ1'" , boiug_oc!iJlJuood,""""'JIlll'ttausaaia:t,""':>~...ol- ,populaIod_if_caIllbelo:alpo&:.. . , bu aot_jllIIrl'lNOIlIIlber""<r""",IbeQm!.!Jo lIDlgi10jllIIrPIN , iIumbor~"""""....Iu"""otau_caIl9lL ComplaiuIs ClllllZlIIillgsoauitr"au-!:xpu!Ss !lispoDsor_be ,-ID Ibe__ ualor"lBlWlOcr:mlC!llS." "For" ,_10_,"",_<<10""""'" ,1'joOo:~i<iwinrf8<fJldrJl1T__"m1~in /f<tI1 ilri Cil1 !11ItiIor at rO{Uind I1T Iaz/. rrgu/4HtIn3. NO'IEFOR.M}.~.l1 "'1 l:'oioJ.J.;)RESlDENIS _llbd......-AlIT' .,..proticIil,~j'lJ1 .__dtttau_"""""........sbalIbe~" ~otlD:h _mlsbalI_pdmabciepuxitlialll!i:ll '_waslIladl!. '-- 6 1m~~~.-mlr.~~I~mIlIIl!!\_""...4.~7'",,,,,,,,"''l'ff~'''l~!''f'm~I~~,",~~,.~""''l"! !!If ,~ -_-"_,'W!' '~1iW~E:1f;lfu~~W,1\1!~!W~'m,,l~m~~'~\" '-, ~'"- --. r \ , '",,- The _ by_ riCZll2ineiectrolDolimds....... from'fGZ- will,empl......prooidoIill<his~~- 'fGZmwtrIllSllJpl"l"""'rilbe",,* UnIcss ad1<r'1rise p<OWIed ia tIbs ~ yoa_ - ""p payD1<tl< of ~uulo: _ tr=sfcs; 11Iud'ore,yoa sboaId ' ... ""'PIor da:ttuuic...... ~ hrdloscs or scr"rias omIcso yoa .." -= iIlol: you wi11 _need III SlIlp paymcot. Ilisclosuro of.!.a:olDlt Informotiaa 1Il1'hird l':Irti<s. rel"U!i>< usyourlll1itr!n ~~rir"ll'1 todi:sd02 ~3bom:!W. ~Cmi 3ClJJUI1tortbeb.~d:ta7OU1J:t1iz!D:mr~tb:at'll1~rinn sn.l1 mllllIl2liclly "l'Ue 45 dars .a.r.. ""'"" il. . Optioual Limit ... Obowm,g c.sIL Too...."" 'l>'i"" Ill_ tltlt...limitlbe!lll2l mlllUIltriCl!h IftajOU atlfobcill from mIDI ill .siogIedaylll$5G. rejOU_<hiscp<ioo...wiIl=alltel>lltlbleSl!pl """"l'Iywid1'fGZ_ ", ' .!' ' j~~CR',,~l~.~ ~~;:.;::r.'.z:'S"~€6,~'if.~ ,~,~~_","""'~"=",,~~.,,,",, How1h<: 1'=hasc l'rotoctio<ll'bo. Works.. 'IIlii...j,_ Exp.... c.nlmemberdtlrg<s.~ pwt!lzeimiieiY~ his or !lor Cant"",unt'",,_~PIonp""""3gaillstlbeltri3lld oxideot1l damage III Ibe Ifml puo:basoIlin'90 days from Ibe d2e ri p<udl3s!. The_islimiJl!d,,$I.000I"'~UP"$5G.OOO I"'c.nlmember """"" I"'poliq_3lld is in = ri other""""" oiir1sur:wc2..". ,:11. HOWYOU BENEFIT ' . l_ripetlOO2lJl<Oll'iir~_withIbeCant"" ClYered, in<:luding gills putt!l=llin' odie:s. "'. r",,",~ho,; )<iurptUdweis~lin'90daysfromlbed2e of pllltbao! when )00 dwge Ibe ealixe plice of Ibe ptIIdwed iIfm 9lim'lOUrCaroactXlUOt.1 The Pu.ciw.l'roa!clilll1 PIon ptOYide1,_lin'up III $1.000 I'" == rilbelt or aa:ident1l cI:amge ("Cc::mm:t'). oat III """.j $50,000 I'" c.idmember"""""l"'pooq;= The _ ProIl!dilx1P12n ptOYide1omr.1gO. atlbe_ri Ibe insure!; " repaJrlbepet>lltlll'l"l""T.or" "1""'itwithlbe S3llle orsubstami2l!rsimibrlfml or" ~coh (orcoditlbe Catrlmember',_ Express """""'l. OQ("~ lbeotig. in3lp"","""ptice,_g""",3lldsbipp~3lldb:mdiing -. when Ibe ifml_ clwgedenlixelywith Ibe Cald.' WHO IS COVERED You ... e1igib~ Iin' _ if)OO "" 1 U.s. resideD< C1IdmemCet Ifta"- me ,_ Express-' Cant.r Optima.- Cant in =<i:U!on with Ifta Cant Cas been i:ssuerlto yooinywr~ andyoorC:ttd:Jl:QUl1t:s billed in cr.s. dol12a from Jl1 operating cmrer inlbe u.s.' lCEYTERMSTO KNOW . _wiIlOQ(bepaidif;",Ibed2eof~or",lbed2e of cWm BIing, my amount due on your Cant """"" is ucpaidfur """ or more billing cyde(s) or your Cant """"" is Clll<:eiltd.' Yoo"""'pro'ridel""Olofpom:llze3lld~pt'Xioflbelbelt or~damageo!lile""""!,"io,,",,,"qWfyfur pa)'lIl<ll<uoderlbe_l'roa!clilll11tm.3=i>er,,:o.plll lOO1' ,_ ExptelS dtago ~ rrigiml_ =ipts. 3lld ~ilems.' . ~uoderthe_1'to1!cIlaI Pl:misEO:ESS; <his"""", tltlt;f,athe_riClcl:umll<e,jOU....othervalil3lld 0liIeaible illollm:leoril>:lemcilr-scch ..1m1X< 1imiIod" ~a=)ar~iD:surm.::e,orimar:l:D:zpttl'ritbi'bralbird P"'l'(~g...lI>pper)-the__i'lmwill"""'lfta -""'~bysurholber_oriDloomit!; up III the 1lmi~ri.the_Profel::lloaPlm. . !,{;'1l.c:aUCS NOT COVERED . -d1ocl:>, _of myidDd.aepi2bie_~ (sum" pnldIissory 1lOltl). """ or i1:l equiniem: _orllring pima; ~-orperlsb.b"'lIan:IwillI_!iD:_ (surh... but OlXllmio:d"pem",." !gbtbuJhs._); Uled,rdlWI._-'or~i.Oms; ':\~:<;~'i;lil~'~,",':' , 1 . rethe~orSlll/mifml_ofatid.esillap2irorser. _wiIlbe 1imiJ!d" .,,,...I!tm lbenlueofmyp:uticul:lr pm"'pau.......themides""~iDdi'tIdmJly3lld ' ClIlIlll( be repba!d iodiYidmllr, <eg2lli15 of my sped:d ..Ibe ~) mr....a.d"pmof."''''a>!I!cl!oa;: . ~pmr;indIlciioglm""'limiJ!dllldms.lIIlbc:Ipr,'"'" m1l1ll1ll1m._",1ltIl:holin__(surh" in=iIIICis,~booIs.aUJ>l=orririillglawn"""",); . pemtml!lIl_mliorleiness fimJres, iodllding but !lOt 1lmiJzd,,~&oriag1lldlortile; , busioe.> fimJres, ilIciudio& but ",,1lmiJZd " air omdilioom. tefrigecm, be2lm; """""haspitl!,I!lO!dicI3llddmt1l~m1de9i1:es; r.u:estzmps ot~ 12m icSl, dllmaged",Slll/m uoderthe""" m1rxlll1lOl of. cbiId pmy orc:mmco. c:u::ti:I!:c; . 12m slilI uoder insbIlmeat bilIioll: mI 'eagiIlepmsiralllllCllOriml_ OCCURllENa5 NOT COVERED. it.emstosl:ormisplx:erl;: . 1__from_iIe; . llemslllX_ly~by;oo: . j...uy",__from~,lIlltCl.ttiedbyItmdUDder )OUr~__orUDderihe__of. <m<Iing """l""'ion pmiousiy:'-' by:""" llems ~ due" """'"" "'" 3lld te1I; inherent productd&a. ....."''''''''"" =ripbr ()ilrl_sudt.. go~ 3lld"""" b2I1s); lll)SIlOio",~ . ca:urt1!llC!Scwsedbyiloodor~fr.wd,""orhaslili<ies of myk;od (~g.. -. rebellion. imum<liotI); _ by O<derof"'l __ puhli<::wd1mi1y.or_oIlimJ;risI<s . oicoatr:Ib3nd; UIegUCvityor1l:S;radioactiYe~ HOWTO FlLEA a..uM Rem.mbeI; " iosuze pl1llllp' p<=>illg of )OUr daim, l"U Jlefll " report mylbeltor~inmIedi:uelyfollowiogthed2eofil:eilo:lJmlla. indudinglbeltor~lllgillspmril:as<dwilll il:eC3lt!.R!llIember1ls>, you Jlefll" ce<aill your ~ 3lld)OUr ~ iIem Of 'PP1iclb~) tll1lU il:ecbimp=is "",!,a 1. Call <oIHree 1lJO.322.l2i7 III report)OUr IbeIt or damage cbim (_011 Olllea atilJ5.ZT',.6498). No<z: You mast "fJO'i)OUTdmm aliJIJin 30 day< from 1M deW ofOc::=ma. !. Tcuatlfbesrnt.!'Imil:asePro<e:1iDaClaimfolIll_YOUlll1lSt COlIljI....froat3lldba:k,$ign, 3lldrelllm" Ibedaimsoliir2will1 IbefollowiIlgrequiroid=meoa'(Io.pccpiesfcryour"",,,,",",): '. 1be_Exp=c!coge receipl: . lbeoriginallle!lliml_receipl: . tbe~decb:ratianromniorlOUfOtbet''s0ata5-ofimur- a:rw:zor indemnity (e.g..~~'s orrenter's i:o:sux:mcz, or insw>ilcep_by1cbiIdP"'r); . .phoIogr.lphrimliorcep3ir_Iin'il:e~ifml (...". daims oafrl; 3lld . forlbeltcl:dmsonly;.repott:q;adiogtheSlll/mllan:lwltidI lllUltbe61edwiththepolio!"'other__se:m:itroliir2 _~bouaofthed2eof<l::lmeoa!. Nooo: iIlu mastrriumJ"UT"""fJ!a.ddmmJmn and ~ doamwuraliJlJin 6Dday<ft=ib6'ofaiorf~ J..\t Ibedlomia1 rilbelizslm!l; valiltlleftorilzm&ocbims will be, _byeilberrepafriDgthe~ifmlorreplodng~'Iilh1be .....or.~__"'by"""l"I""'" (arby_ [tingiber~.AII'" l~Umericaz~~.,.inilllamaoDl OlX" emsllbeodginol-.<ldoIiq """ m1,Qipping3lld bmIJlng "P"1"'S rilbedl3qo! iImI(;s)! ~f(of'lll!tMnta1illh<_......,dmmtbatir1fd ,....:e.-. 'inIiJl11la1tlt4l'~bytt.iJuure': t For ilzm&o d2ims. JOU atlf be requiroi " seed in the dllmaged Im(;s). "'fGZ_ir6llther....-riJ'l'll'dzim. Nooo: if..-. 7"" mast and.. d1o<imMgtJd _ aliJIJin 30 da;<r/'omd1odeWofrvplct. 1 ,- ~~ ~ _.~.~~~ ,~~~ .' ...,.,~, ~ , I~~ r ~ " .. '" MoO"", ''''''j o"'nJiIIIWTITijrTI'l'I1l:'lIIIIT'III:.i,WIlll? ~ IMPORId.'IT ADDmONAl. INFOR.'L\IION FOR YOU Thel:enefusprovidedLlOderthe~-"11m'!Wonly"",u. il1ll!';ou b... my leg:darequiableayu.~ ord3iui" ~ ~3Dd/ar,"""""LlOderarari5ingfromtbel'\m:b:oe-"11an. ,ill """",",~:mdprxticll__bel:Ii2n" rodar..... mvtheft of. ar~" propeny~l:tfltie _l'tot2aimPIan. fur =mp1..llIlkd:ed arlll1alllOldlrl i_""",,, from ","""fxiIi!iewilllJll( be~~ ' i01ren.beneOlil3Sb=p3idLlOderltiel'\m:b:oe-"Plm.ille Insurer beccmeo l1lbrogaled." ille '''''It ri SlXii paymen~" ill i"'1ll' ngh'oOO""",""againstmyresponsibIeI""Y-Uf'lllOll1'_i"'" """, provide us =onable -. induding,;gning do:umma" ~tDbringsuitinjW:rl12JIlt. TheI'\m:b:oePro<.aiOl1 PIm is -=o.,1MEX"",,=G>ml3nv ("lmuret')."'""-~ '"""'~ ~ nmdoc:mmit":"", oniY.as:tdeaiptio.ncI~andtsnotaooli::vor~ci~ ille >=J "'"" amdi!ions:md """""'" ri. PoIkr = ,,"10&'(') gtl'<lll thel'\m:b:oe ProO<:lion Pbn. The 10ller il3S1>en _"'-lip"'" T~Rclan!d_~,"",-("'-lip=")""Po~ nm_ "Pi= alIeristiDgprio'i:=ip<ioosof~ ",ille ' I'\m:b:oe_PIan. I ' ; (--<9 c.z ~4 -I, o.k, _t T"""thy~S<cretur' A.\iE( Assur:mce Comoanv .~[E(..\ssuranCe ColDD:mv ' 6T2b-1l-97 ' WI .,' i. For these eUBfhk and i5lOOIkd '" M~ ,'I=rIs, !he entin _0/. """""'fJ>'Odw:t _abo bs~ ihrougb..oem.tbn Of.<~Remarrfs~tbnamjiaza. . 2, Forbeligibkand...-aikd'" id~ ~ benefiI<= also paid """!n /heprarhasai _ is~ ihrougb!he ~of.M~R""""'~limtamjiaza. J. Doer 1WI apply" New Ycri S/i1Il/_ 4, Forb eIigibk and enrolled '" M~ Remarrfs.f!<Z'pen!or crtdiJ wiJI not exceed /he originoJ asIignRd """" of /he peramaI properly~ ihrougb ~Iimt aj. ,w~ Remarrfs mkmplimt crifiazte up " /he "'*' IimU<, criuding '= and _ shipping and handling_ ). /mparfanJ -for these enrolled in Memi;en/ip Rew=Is: A MemlJersb;pR_~_..frate=onIy/;e""""",, by eligible Cmrim8mbm. ienepIs wiJI mJ1 be paid """!n . JlemIJersb;p R_..oem.1imt ~ bas been iranife=i" "",,~k Ozrdm.mber.rimd;qr"",,~ 6. -""'appIy"NewYcriS/i1ll/~ 1. Wben eligibk and enrolled in M~ RetJJ<O'ds, P'OOfof .,,;gn,d """" pl<<.ed on =b property wilen using. M~ Remarrfs ~ amjiaza. ,.-/;esubm;Jtai in _" /he o!her~~if~ 8. _1WIappiy"NeuoffriS/i1ll/_ 9. For b eIigibk and...-aikd in MembenI>p -. paymen1 or cndi/ wi/I nd a<2td /be original asIignRd """" aj /be per.ma1 properly ~ ihrougb mI2mpIicn aj.JIember.;hip- ,..J.,'.pIi:n' C2rfi/ia:t< up " /be sfI1/<d!imils. criuding = and shipping and basuIJing_ ~~~~5~11~~~}~T?~~~~_~~~~ HoW'!IIe an,..n . _ PIzl ~ Wbot m_ Express"c.............cIl2Igestbe_""'rl.OlO!l!llpl'Xlm%.ubbis or horCml _ tbeBlnon..........Pl:mwillamltbe'.....ritbe oripcrllllllllll&cnn.rwm..., ....porio!rl tlmeequallD tbe_ ri ille oripcrl ~"""'-'s~ up ID... oXIiIialal j'03l; on u.s. """"""rl~,.,.,or.... HOW'roU BENEFrr . The~........."Pl2nmiIroi:s_~""""""""'far ~pttXfms~elllire!ywid1_Cml_up'" oaea<l!ilfoaal j'03l; . -.yoor~PltdJxO~_"l'irel,ltie Blly<tr, Assurma! PI:m tabs """'_pmidiag _...pttXfms CCSllIl!l1o.ll)J"'Iess._g_(llC<"~$)O,COO?'l' CJnImemb.r 3CCJWll ?'l'polq,.,.....ill Ca::tImDaos ccmbined). . ~isproridlrl...mypl'Xlm%=r........._1ll' ~~byltie",",,<i.tbeprtdm's~_ (~-"on=a:sr. . l1re,~"''''''''''''''PIan.''the_dthe"'''=wiIl "P"'ltie_oalp_lIliImDg.i'PP="!._ExD"" n-ricl<1Yio:r,replm:~wid1ille=Or~siIDihr 11I!m;1"l'c:ah;(oraoJildi.c":,, '<'_lipress JO:DUlIt')oo'''~'''_rlillearigioal~pria-. oxcluriing_wdsbipping:md~"""""",<i.such propenywbich il3S botn dtagoielllire!y.ub... Cm!.' ' W!rereltie".".,oaJ__rimidesin.p.rror><,rhis Poliq sttalI be li:Ib1e tor one r~ in ~ ~ or set which futm the 1r.ois00cbimlIereunder. ' 1'!o pn:dua.tqisa:utoa or~Umem.~~ ror aoy~ procluos,iadudmggiltspurdlziod...od=. : WHO IS COVERED You ""..gible..._"1"" "".u.s. residentC3ninleml>:t; "",is, the_ lip_ CmlorOpliatt'Cmlin ~.ub"", Cml bas b= ~ ID you in yoor""", wd yoor Cml >:ccun< ~ biJlol in U..\.' dolliusErom"'opmling"",,,in...u.s.' , ' lCEi'1EtMSTO KNOW . -. will oot be p3id if, on ille... of <lc;um:nceor on ille ""'" of claim filing. :my amount due an ;'OUr Card aa:ount ls unpaid for one or more billingcyde(S') oryourCrrd m:ount tsc:u:lCilled..' 'You reUS( pro"" prooi <i. putclw: wd ~lj' prooi 01 the CO'o~Oo:tmmcewhiIe~!s1neiec:Ioqu:ili{yforbenefits undocdu: BUja",.~ Plan. Romember '" ~ ill i"'ll1' ,-lip"",dwglo..,,;plS,origioal-"""P<s,origina! ~ wm-:nties. andprcdI:a requiring rep3iI: ff you buy m additioaaL seMce cmtI:Xt or :m em:oded store W'alImty '" a pon:b2se"", aIreodyClllleS will1 m original U..\. ~'__LlOderltielluJor'S""'""""'PIm """ mJla.opiy.1l; h"""", 1"" putclw: ",.-!:>press" Servio: Plm wilh a pon:b2se from ,,,,,,,"em ExDress Mertl=<Iiso Servio:s, the BuJ-r" -."", PIm will "",Iy b<rore ille_ Plan is inl'..tfeci:. .. Any asSembly, professioo:tl Mvice, ;1'1"1inlPrnrl,..,. or Cc:stillatioa cmrg., inaJIred" '" o!ditionaL = in cmmealDn witll ille purdtase or il covtre:I. pro:iua'1filI r.oc: be ~ under che Buyers .IsstJr.ma:~1m. PRODUCTS NOT COVERED . individual pn:duas <miI1g lIWre """ $10,000; .. ?EOOuas not purchased [n the U.s.. ~ :enilories or 0QiSl!SSi<las;. pro:iucts wi.tb. amnufuaurers' wamI1lies t2sr:ing in ~ of llveye:us; . prodoctsoo'hming_""""""">ilidintheU..I.; .usoJ,rebuili,_ar,..".".'~""",,' . prodocts~bym""","";"""'_~by.,,,,",, ar a_1D repairorrepbcoillept6fua "no_ a:sr. in ille"""'tbept6fua""".im>::ian15Plllllli>!d; <lllllllrim!..m.:!el (SlXii "=' ..m.~boaO, aitpbnes, orridiDg I",""""",,) wdilleirpw. subje11D higb dsk.~b"<rihr._wd~or~~(ixldDdiag ~~pipes.oo..s,pisom,hdlzs,Iirel"or_); _dericeswdl!leirl""'.......~lalrliap~ de:noIiJion or CllmIX>J:Iial,,,",,,,,,,,,l""""'l leisareor busi!leIs""" . _dericeswd_I""'..md1""p<llll2Ill!Iltoidilialsor 1l:awts1D'~or~'oaildillG . busi!leIsllmm.iIldudiDgbutllllt_,,"'''''''',....... """lr""""heal!Is: . lmdarbuilding5; - OllI5UIlll>bIeorp<ri>ltrblei""'" . _or~pilmo; """ of a kind pnxI1m..mdI """",he repI=!; wd . i_Slillunderinsr2llment~ r ~.. c 8 ,~I'm11l"'%~'1Hj"it"'"".'l?i~~~~II!"'" ,_ ,~_I_1J~,,~i/II~fw;~:~"ir'14.1,'''.''''''''''''''"''1. ,m'" "'f\'!t'll!',,:i,)!A'iA':*t{'1,,;_',!?;q'~'i"j'!'\l1"i'!"'''f''{'''"'''r.W'W,f--<l\'l~'~~ ;,-r"~ -, "->' ~~, ""' ,-,~ ~.w," -~" (. "'- OCctJllRENCES NOT COVERm -~<lll!p<""'''''''''''~- 0l0!IS""""'" " oo::lIlrelX>S<:lll5O!lbyllood""~5::Illd,,",,,,,-or- lleIalmykiDd(q.-'rebeIIbo._); · " .by ordoralmyp<llllll<lU.puldk3llllmilr;or_~tisl:sal Jllilleg:d.z:ttrilJ'Ol'<ldS;~j'I:'.1 fiO\VTO m.EA aAIM RmlolJber: 'I"" oeed" ""'" my \Jc:tlmIXe ............, ~ <be ' d2IO a1tbello:lIlI=. iD:!udixlt t!ttt ir sills poo:bas<d wilh ... CmL ~""''I''''oeed'' reamywrre<zips;tbeodgio:d~ """"'Tmd...product~"I"h'lllllI1...d<im[ll1X"'.~ 1. ua_ 800-J2S.l7Sll m:l...uI dire:t '1""'" tEpZir bCliq (.........ol1a.l..:"'jlJi-m-60\98). ' Nooe: You must rrport your dmm ..- 3D daJ<J"i"pt# bt data ~~ ;' ' 1."tbe_a1...""""" ..Jidc:bims.uIbes3l!sfiecbyeilller ~ <beproduct~ '" 'l'!"""'i.lm<licm Express- ........ n:pbdog~wilh ........"".~_ib!m; by ","[l1YlD"I~(orbyao:dillng<bec..~""",*"Exptess _1. in m """""DC< ,,~tbeoOginal""'a1tbed>ugoi iJlm(s).=indlcg <= mdsbijJping mdllmd!ing~: Nooe:No paymenJ will 1M 1ni1&I an ""' d4im tI>1t" "'" . ....L.....::.......... - .J in '!M nraD:tr#' requirai by dx /n.1zInr. 1 ~ foo....'"""" all req.-i ;,.,.,~~..... _ (;) d1ys fnxD Iile <1m a11lo:lIlI=. . . : " 4.For"""'claims,jOUllI1J'berequired"..ninlile~product "__irlimlTermlualioaalywrcbim." ., Note If '""fU'!'IaI. you must sznd in th< dmn4ged produa wiII:in 30 daJ< jrom th< data ~ "'fUd. ADDmONAL 1M'0R:dATION FOR YOU Thebeaeii. pro9i<Ied,llllder<be au,..'l.lslllr.!ll<%Pba'PPly oar, " JOU and sddiJlonal Cal1Imembe.s on __ OlllyjOU m:l_1"""'" Itoomyiq:llotopJi!oble dgb~ ~otd<im" insur.mcl:ptOO!l>fs mdIot ~ llllderor2rising fri>u <be ~l.lssli=ce Pbn. ~bonkruptq rl the """"""",,crodler "'I"""ible part'f, ot my odIer """,=wbic:hendsmr""""l'fbefurearmBujer'sAssul= _ .ine!lea. Iile~s~Pba.uIOlllIilwe"p11Mde _""'>lding" Iile """,rl...Pbu, """~"""Ffrom Iile d2IO 01 suclt...... upllI' <l!C!ip< rl proof from Iile Cmlmember in the fmm of a. public :tm'ItIl~r or otbe:roffid:al ",",,",-r!lrinn<< sud1 e?l!I:It. The iIujorl~ Pba is _lI!Il by AMEXAsll.1I2o<:eUlmp1ll'( ('"1IIsum")._0lli0=,G=1~"'''''''''"'' lbisdoalll'''" ""'" oar,,,.desaipdoo 01_ md. o<x.polkyor""""""rl """,=i!:e"""""""""","",,,,,md_diPolky.ool953 , ('"t'oliq") !O""lI Iile Bujer's..."..." Pbn. The PoIky bas been issued" _ ExpressTmo!__Compmy. fn<:. (".Im<licm ~). the PoI;qfloldo: This cIo:uIzttrepl=aIl..-g prior Ilesaipme rl ~ ir <be Buyo(s As=Dce Pbn.. ~9' ~ #44 !'amoIh ~ Cl1i:, - 1lmodlr -. S/a!l2rr AMEX~ Ulmp1ll'( AMEXAsll.1I2o<:e Callpmr 671T-1l-97 li98 1. For b t/iribk and _.. Ji<mbeniip ,-.is, th< w;n aJd <fa - j1n>iud may """ .. J1""1>-i ibtrru&I> ,-,,".""", <fa ~ a-dt ro:/emptianarIiji:zR , 1. Oces llllt appIJ 10 ,Vel lIri SliItIt_ 1. For b t/iribkand _ ..JIo... ~ .-d;~or a<diI wiIlllllt _!beoriginoid asrIfIIIId """" <f!be pr.mtII . ~_IbtougiJ,.........pIi>..<faJI<.! ~a-dt rtri<mpIIcnOlrlf/iaziouplOtmsll1iaJEoliII;mitrtitrg<=rand iJipping and iJandEnr.-. 4. ~_fr__..Jk-""'.1i>p_,j ~ a-dt..A..,,;;.,.. crrOfb*_.""lMraietmtd l1reHpil~ Bcu#trwill"",..paid- a ~_~crijia:Is,...b<en IrrlIUfmrdlO ~'~_orncn~ 5. Oces not appIJ 1O,v.., >>ri SliItIt~ 0: Oces llllt apply IOlicr >>ri SliItIt_ 7. For_eHpiIandmrllilai", ~ l1...,,-,/s,i>'J"I"'ior artBlwill __ th<ariginal assipd ~o{ 11>I pr.mtII properIy_IbtougiJ,.A..ptkh.<fa~l1_ ,.04...,,;;.,., crrOfb*UPIOth<sIl1iaJlimilr, mitrtitrg'=""" shipping and 1Jand&,g-. ';;-,_ .1, :"?~_____~~~_~,~,:" :,,,,,~=..,,,,:F;""'ll~ ~1! ~bj~~,'~:~~,:"';,"~"""':";:'.-" 'OJ .~:. '. ~~~~~~ -- .,_....-' ~~ !~ ~Md' - '.t:" .;,_:. _ ~'...___ -' _'._ ,__...__' _-.-__...-.u.................. .:.:........_ DESCRIPTION OF COVERAGE: C1rll>o<1lloss3lld~!nlur.mcop_the~ifthe Ciofmember is... '"l'rimu9'RmIe!'". (..<>:iinedbelow) with"""""'" _li>r~ "",ai.!trl_Il>o<1l."""'when IheCmlmerober 1J5:Si!:eClll!(..desaibedt.1owl "c!mge:o>:lpayli>rm_ImtllfumtUmy Coalmelti1I Car RmaI Company ("ReotlI Comp<mj") other Ibm_ io::IlEdin"",,",",,, rz.!md.lsr.lel.lt1ly.J=tiC1,md~Ze:d2nd.'lnlile 1.lnil2ds-. ds!al:i>lriel,~ mdc.m.do<his_ is EXCESS' ,""""""This_.ab:J=_Ii>r_llS.~ w!lose billlDg...... .0Ullide the u.s.. ds .m_iDdJXlSl'5'iooS:o>:I ..._ImtII;swilbintbe=axmar"Jbeirbillingoddress. WHO IS ElIGIBlE FOR COVERAGE feu .,. eJlgjble ir _1'1"""" U.s.P=nal. Gold, Rentds.PIns ' '. Gold Ciofmember ("Cmlmember"): 'Iou .,. . u.s. P=nal. Gold, Rentds Plus Gold Ciofmember1(1l1"'l '" m.~ Express Basic or AddiIiolIaI Ciofmember md.l'mon2l. Gold, _ Plus Gold Cald (refmei"" Iile "Clll!") ~isslJedin_= :0>:1(2) jOUrCald """""isbilled,fumt.u.s.ope<:IIing""""'inU.s.dllll=' ' A P=nal. Gold cr _ Pins GoIdCmlmemb:r..,. .l!llIOlIe!." '" ~""",....~-.yotplltllescb09lin Iile Uoilel SOms3lld,is"""'ixlf_beaeiiJspro9i<led".beaeiitdi r~"V.DC<dig!bleli>rbeaeiiJsllllder<hisPoliq f"".,.eJlgjbleli>r_llllderthepoliq~1"'l"".Fi<leIiiy_ Express"CmL F1<lelil'(_Express Gold" Cald, U.s.DeitlS\.tMile<' r,.n.,~,,/>". GoIdDeitlSkjMiles" ~ P1mimJm DeitlSlqMiles" C3o!membeI; Optima." Pbmmm C3llfiI>!mbet Blue from _ Exp..... ShmmSl2rp>inls"a.dil:-"""""'"'-from.lllieric:mE:qJiess, The """""",E>press"GoIfr"m,.,,,""C3SyMiles~IIilaJna.dil: c..~ ...._E:qJiess"._ Express"CredilCaldo,on Op_" Cardmemllct of on """",,,=md d3S< dttt. p_ C1r Il>o<1llossmd~_...~ofOptf.ia~ (~~foo,",1u.s.Deitl~~GoIdDeitl SIqMiles" C3o!membeI; Pbmmm Ileltr. SlqMiles>~ Optima." plmimlll1,r'~_SlamoiDls"c."jjt~from, _Express,The_'~GoIf~f3SjMiIes C1lIimembo; _ i:reditr........;,""from~fxpress, orm Optima.- Ciofmemberalm"""",,,Sl:llUSmdd3S< ~(I) mOplim! , Clll! '" ,\mci:m Express"a.dil:Clll! (... "C;m!") is issued in jOO1' =.(2)l""Itoo~<his~rl_in<Ollj1lllainn wilhyonr""""'Clll!"",.",md(3)ywrClll!"""""isbilled .....u.s.~C<aI!<inu.s.O:lIba. ThePolkyOlO!lSOpdma" c..~m:l_Express"r' 1"oar,a1Cl!l12in """""...,." m:l '""""- ~C1rIl>o<1lConlpmy'""'''CarIl>o<1l~'''''''''mr """""""l=I<:lltd_..md1ll:o<Sll.em1l.....'Fortlie_a1 <his ~a1"'--"~1 Carll.em1lCompmr"""'" "Rmcd ~' . HO\VTO.ICJ:'IV.\n ~ . ~irctmalor""""'" .ll.em1l.... is_ when lber...l \.a' L_bisorl>:dig!bleClll!"tbeRmallllalpail'("""""'Iile ll.em1l._ by maIiDg.~ orbr pbcing.boiI"'doposi< 31.......ll.em1lAillll.cbo:iBIoul; 1.-...fuiI~~_or_""",(Cf101),orl"l' ir.pmbl_=-wa.e;_bytheRmal~ ~ i5"'priDllur_>bic!l.iloIioed..Iile~wbo. """">ion Iile_ ~wilh Iile >mtd Compmr" Iile 9 , ~m'~'~ ~ I '"" , ~ ~ mi~""""'mip<m:ssialri... RmalAulll, ("l'timorr_);mi 4. """... CJxd In pay for........ """ rentll fImn... Rmal Compony"...tiaJeoi_"""", GJ=ige - in &:t.tliJe the Cazdm<mber """"" in """"'I 3Illi ~ofthe~AuOl,Ar,........;,.".o!lo.~~ mi"","""_,,, RmalAuOl, ""'1be...l'timorr _iflldsl>o is... CJrdmemberenleling inJll the rentll ~ If""" iJeMf'" !DUI ""I repaid if; an Ibe d8iZ of loss or an ;,. d8iZ of ciaimfi/ing. ""Y_du4anJ'O"f'Am8r'=t bprma:rri_ is Im{!dd fr 3/1 daJ'''''J''''D' ~ bprm a:rri is ca"",lIed: WHEN COVERAGETERWNAlES GJ=igefortbo'lrior<l:lm2ge" ...Rectd.__'>hen: <be Rectd CooIpany ""'""'" """"" oi <be Rectd AwD. ,;.. JO c:lm.:1 _days am... Rectd AulD"" dledo.i our, ~. <ttIier, , . ...Poli:y.Cl<Ia:lJ..i ' " LENGTH OF COVERAGE ':" Dr RmtU ra. m! o.mag. fnsu= ""'" eiJ!ibJe ~~.n.i, renlBiuoder._ "",,"_fImn .RmtUc.xm.1anl~rO<l" =<hmJO""""",""days. , " :"" , ' I N"""/n ""_sbail_lMproriIedwllenibe~ rentra Ren/4JJ1JkJ beyond3/l~d4yrft= ibesama Remm CDmpany. ~of~lbeorlginD!~is,ci<ndaJ, or. fI/!IQ f1lriJJ:m agret!:11Jent ir_enit:red into, ora1U!ll1 oehide.i1mt1ai.. . iJdi~ 1lll_wiI1beprovidedwbeo ...P-ia-/..... Rental Auto for """" <hm JO """""""" days out of . 45 diy pericd withia ...""",~~(15Milo~l. ' W'HATS COVERED Dr Rental ra. mi o.mag. ~ reilllb1=. C3t1lmemter for _ for<l:lm2ge "or thdt of. Rectd _ thia <be C3t1lmemter is requireJ"<nate.'l' "...!=rof: l) <be>:llJ:ll_,,~theRental AulD. or 2l ... publislled Booknlue '" if not anibble, the p<m:!l>le in..." price of <be RmtUAutolJlimJs salnF aod depred3lion -. or J) fa;r ='" """""""" nlue of... Rectd AuOl,,1be _ '"' renu- bwses <I1e c..fmeml:er for =onable dtozges (.... dtozges _" <bed=Cu:iiilrthia "" 0SlJ2l miCllSllllmrfin ...vi<initrin1lhicb.... loss or ;..hI...""", rool: pball impale! by <be Rental 0lmp2ny. such " ~_IOS"oi...(lossoi...""""p""""lossoi_". Ulam:lelc.I Dr Rentll Componywhere "" addiliaml """"" of_ _"_lbis""'- _Ie m!aJSlCIltU)'dl2qes ire o:""'nn..,; by.;,.,.,~~",", supporting Iossoi...such" byllM_1ogs; IOS" oi... dces not iIlc!ude Commelti21 Dr Rental eomp..y_ r",), which ... Rentll COtllpalll"..1id not b... impale! bol<be ~""'l'Jl:di~fullcow.orp2Ili2l_~O>Jrer. DrRmtd ra.m!~"""""",,"""'llOeiherlJP<oiIoss.For e:c1Olp1e.in<be"""oi.oollisiOll_g<beCmimetllber'sRectd ,"""~"any,,",,,_,=or"'!ni"'1oi"'1""'or"'Jl!liog isootcovete::f.. l<otr.Thi<poIicy"",,""'prr,.;,!<{;QbiJ;Jy_frf/nin=d JfoIDrisJs; bemjii",,,der""Y WiJr/lenO""p _ '" 14m, Di<abiiJiy bertefti<lamarolbermantfaied__ WHAT EXCESS COveRAGE ME.WS DrRmtdlJJSSmio.mag.~.",=_ptm. 1b;s """'" <!tit Ibis ""'" ~ will,.",..".... c.n!momberooly forlassesi_llllCC!l1<IeIbypl:ms,sud1......Rectd~ CoIlisillnilmtlgl:W_ocsimibrop<illn (CDW),orpaEli2/ mn;,j= dmtqo'O:lilol;",.,p!lltIIlIl_imm2I>:l!,~-_or _plmoroiber...... 01,__ Wben 1beloocbel:plms applt~~lIIaSt""'....parmeDlor ,~mI,"","" ." '....baI011...staIBi"""'''sud1odler!l:ms.thiaany.m P1=dollllCprorido_bobelbis=_will- !ber:rrtfm.omlo... 1be=!i!onnedoellllCWr,,__OlIISIde...IJllill:d-' ilslJOl:illlli!s,~mlCmoda,_J'lIl"".llSr~ _hilliDg_.OlIISIde....U.s.ils_ml~m! "'_""""iswitbin"''''''''ClIllllI1,,ywrbilllll(- _lbis_,""""",oi_or_"~ proftlo!br...Rentll ~ milD..., 1ctiq'(l\:di:!osl... r""I. I .imllleilDlerlbolprcmdosimibr~ilo_' milibi< for Rmtd ,""" l'OlIl>i ill.~ in:bxld. f=ol, !I:lly, J:muicI, miNewZe:1land..' . VE1IaES NOT COVERED Car Rectd ra. and o.mag. ""'"""" O:es ox """ rentals of: , . expeosi'Ie=wbid!""""OtSwi<h",oIigill:Il~, "'FIBi """ ptiaofS5IJ.oooorlS>lt<.;"" "'" .. exocic ClIS reg:trrll~ of ~~ar nfue.1aC:.di:ag but noe limited to ~ c.men.. TOJ'lC1 Su;la.lI3mil,-7. Dcdge \;per and SIcIIh. P!JmouIh ProwIa;)filS1lbishi;reo (it 11'_ 300 z:q'lPW' X)S, i<lIa/GX; '_ Sl.5U; 5 <llupe and E;:!O <llupe m! eom.rable, BM\1l;.G.za m!BSeril:s, WlbcAibnl<and 11\ -.. Ferr.>ri. Umborgbini, lfzer.Id. ,\sloe lt1roo, Locus. i!ugJai. '/e:!D, SlJdhy CoO"," 8endq. Rolls Rll!c:; . IIUd<s,pid:-<l!"o=_e=_ . fulk;"d """ indlJding but not Innir.d" 1'on! """"line or Cub Wagun. a,.,y Van or S",= G1C _ and ?o". "-'- R= I'.ms aod R= w-.goo;' '-T, "-.' . ~1Ihicb. b... be:n~or JllOi&lfrom... """","",0 D.lIer'sOOory<;p>riliMl'iNK~(for~s~equipment for ... pbrsically dtdlengoJ; . ..wd.susedforhireor~1""1""'" . --.usedforOllSlOlel6lhire; , 1<o"'~__(Not~Jfi""'kms) """fadary~ ssoting copaciIy 018 _?porr... ~ but"'" fim;W~. Dodgec.ra..", PIynwuJiJ ~ FoTTi iF.n<&arand,'Ii=n 0-, "'" czwero:f when mTkd far pe=utl or -= use w;. . ~c::tts,wi1ichme:lOSC3J::id:tttare20~oldor~no( be:n ~-o"ht"TI,-i foe to Qt' mote. ~l!::lt5:; limousines; fulIsi2oiS\lOtt utilityvcltiees. iOCt:ding ,moo' limiled <0, C/JeoTroIer/GMC Suburllan. rJi:", and 'fu.ialo. foro E:medinOll. tinc:oln NavtgwJ: Toyotl. Lmd c.-uis!!: Lems LX4;o, 'lUnge ROVl!:r orfulloSized}'oroBrooco; spoMttilily~wbeodti= .oii'-road"; and 1<0<., 0Jmpad spcrlfui'Jiiy ~ indWfng but"'" fim;W 10. Font E:pIpnr. Jeep Grand ~ IIisf4n I'a!hftnda; T<Jyota Four Runner. Cbev70Iet JlJazer and i=Eu Tnxper and _ an czwero:f wilen driuen an paved n>rdr. 'offoroadrebic:ll!S,""'''lt'r:les.~~vcl!ides,gllifor 1IlO1ori:zzd c::ulS, c:uIIperS, traitm md myolher vehicle which is nDt .Rmtd_. LOSSL': NOT ;u'"'l"':'"ERED . \.~~'~'.Clbj\.&.. .;.~~dtesnotCO\'l!tIcs:s~byor c:.:::",:ln1t!:cru _ . . ~r..lf,.> ilCRem:al.All!oinvtol:3ticnatihe!er!Il:imlcornliticnsof tbe RmttI Colnpanr ~ (illdndiog Out QO( limion,,, I""", ~'""'""peI'OllQO(~~_"'..mcle1""""'" to ~oftherectal a:greell~nzm~oraJQ[l'Oloftbe -..bide;",driYmg<be_OUlSideoi<be_rentd_); -- lasedorlIlini-Ie3sed.'~ . COSlS.mu,IlJl:d';' ~ ~ Cot!eoolGJmpmy's oor=! ,""""ridoin&.businei:;; , . ._~ iIloga1.amt:y. such" _..... ...Rent3i:onc "" usol f", or in\obeiia.iIlegal o:liYilyorf!knr. '~coodillr<lS,~ordo!e;:; . ~,IDler...illfl1lenooofinrmicllIlSordrogs; . ?:\lor-militaIy'Xli'ritr, .I~'il.), '~br-tr: . ",",3lIlI"",~pttd~.. . """,,,Q:b..duomi_"~~or""'o lri::31~oc&ilmeoni!sssud1dm"F......fnm~1fIeft ~byibePoliq; - ib!fi oi ordmtqo" <he (!1m orbklom:sl. oni!ss<bmogld by Ihe. ~l!IisdIio/,vmiali:lm.orSllllen,_...Ioss.cx>incil:Ioot .ulI mifnm ...""",,,,,,,,,,otberloss_br'" Poliq;aod - "f-<OOd""""",,,oi...-. 10 ~~~ , " " ( r "<./ ,--." , jJi$!P~1tW-~""~o,",,,,, "'~,. , . mi~rffiJ_~ .~-"~,,"-,,,,""!~1lfi~M!l!~~ f~''''''"m'''rv'"''''''<;''-'''' '-'= <' ~ '^~. . " ,.~ Clr'Il!II<dLcsand~"""""""",,,,,,~and_oiIl"" bepoidiir. . .... ""_" "!"h'of........unlessreiml>-. aillXh ....l:IX.<<qUio!dby!zr, . ~ ill "'1'-..hi:!e a<berthan ... Rmtd.llllll; " ~iIl7t1'fl""l""T"'""'than...Rmtd-.""""",_ at i_ CO( pemtmcIlIly _ ill... RmtdAmo: " "'lnilllYof3llJllO'at~ " "'l""'" ~ _orpai! forby...Rmtd eompmyor i~~ . "'l"""'''''''''''by...~,~-insweI; ~or~,insweI;or~-'illsU=, " "",,,oddeI""or_l:IX,unIess~ofSllCbl:lX .<<qUio!dby!zr, , " "'1'Rmcl_U2dforbileatCCllllllOltiall""l"""'and . ~unIess""""_'for~~..quiredbyio< HOW1D FlI1!A aA1M .. A Uzdmember """" oo<iIv... Clr Rmtd U:ss m:l ~ a.ims UnillOil o.e 2l3Xl-l38-l6iO ill;'; Us. only ordl ~ ftailo<her!o::2liml ~>i<hin ~bauaor'SSlXll1"re3Sal3lllrp<mibIe~.1ass. A"'!'~oiIl""""7t1'fquesliDas.~;""Imem:loill "",...Uzdmember.cbim bm'wilh ~ ~andsign ... cbim iCml. _ proof of lass. _iDdudes... cbim Iixm m:l3ll "'""'~""'-..,., (l;srmbeloW)._be~wid1in6o dayslilllowing ........of...~artbdlby:_Expres:5c.r RmclU:ssand~a.imsUait, '*'lhsil!l!F'""",""~g ~ ro 8cn:9<72'J. -. Ohio 44.l01-472'J. U'Ib; proof of"'" wi a<ber dccunleaI3Iioo . "'" ~ wilbin 60 daYs ii... d3Ie of""'- ~:n:IYbedenied. ' REQUlllEIJ IlOCllMENUllON MAY CQNSISr OF; BUT IS NOT LlMIl1J) TO: . our signo:! wi complel!l! cWm fonn; "llIi_repairbi!l; . ."""oiciwgeslipfcr...rencdailheRecl3i-.Rmcl_ contr'-Ct or aI2diine gmer31.Ed lel2ipC a:l shaw re:at:U1\I3S charged and paid JJr wilh 3D _ Express C3ld; . .::oJlce report I" 3ppIicb1e); . pC- of dle dml3gei ve!Iil:J., U mibhIc . 1 r:t19'f of !he Caldmembet's, aud:1orimi drim"s or empioyen awo ~~or,:J.notzr:im.f.tem-saJingnoiDsor.ma.'; . . """of .u cWm ckxumeaJs wi _,~plOYidedby!he CJr Rmcl Company; a copy ci ~ ~ Company's udlizanonlog ."""oi dledmer', li=oflhe c..-sodIat_dxmo; 'm1ess ...dmer', Ii= IlIllIlCerlbows", "" rentIl ~ ' ,,,,,,,oictJe_ rentIl~_:md.b3ck.whichdoal- """.>il<:l dleRmcl_..,cbe:i:o:iOUI:mdcbe:i:o:i ic;:md iciamwion ~g ill a<ber..,;bble """""'" =gels). Cuti:!Jcmbor~~.un issues ..w.dill.rbeirbelllOils. requimL if ill~,;,.,.,~~""'.",,__!8lJIa)soi.........of"'" (e:xc;lC!trrM..-",';""" 7ihid1b:t:sootbemfuatished.firreasans~ ""'~'''''''''")._=rbedooioi HOW BENEFm ARE PAID ,illC3r_Lassand~","""""p&llDOllS__Ie"" ctJepoiiqmpay3bli!iIlibe~_""'p3l1D<l1t....,be ;lllIdo, ,,<he ai:ml!m of:be iDsu!el; Joi!IIlr iIl...c.nm...ber wi dle Ccan:llmci2l Clr Il!II<dClmpmy,.,., dleClrRmtd Clmpmy """". boot ~b: !he""""""", ard3m:lgt.atdle C3ldmember ""!lilt 02lidly mipd _.,.,....." dle_CaDpmratsnro<herJl'll1. RIGHrS OF 1l.EC0VEllY lndlee<moi'[lll!lD!lll:m.r!!lisPoliq,..._is_"sIl... ~of """"'Y .......Cm!moiabe:,1I -P'I'D"""" -. "" ~3lIOl!Ier. iltttr.............."""".,m:l.......iIl...__ 'e;UP'!"":'ebliagill....""""'tdo_...."""""TiIlile!p . ctJe illllm:r """""..... dgills midoaodliag _"'" ill ilmn dle """"""~ ""'" . ~atC..,.,......1 Car RalI:II CaDpmr "".... paid ........... ?oIicrIlo.AlIl925; mi 3b:i-,""""" Dan 3lIOl!Ier.dle _~Dan...odlormJI..l>o!dbr...r..1 I at "'F" ';"'''''''-,"1''''''' r- ( Camom:i3l C3r _ CaDpmr in """fixo... illllm:rw reiIllburso! ill ...e:zatofdlelnsurer'sl"l"""'- ' . ".ax,dilion [lI"'dmt,,_ dleCm!member. ~ mdhas. ~iIllillly.""""""oiIhdle_ilLmT_1I"'- suboJg;1Iilla """"" or i<g:Il,pro=dings a"lflO'idinf. ci.snr mi 3lli<g:ll """'" mimrmi311"""""",-iIIclI>IizIg"""""""""""andalllll:ihuling "'1'odlorl"P'" mida:moollSiIl ~3Sstill tbedisposilicaof... i<g:Il,lll2lIl!t ADOrnOr-lALlNFORlolATION FOR YOU This"""",,~_by.1MEX"""""""Campmr('"--) <luou!i>i1lolIr.mo::!'<i&riJf:fJ'J.'i(..."PaIiq")-"'-Expres:5 T_ReIate:I_~Inc:m:lils~subsidixriel. _ m:l \lc=ale!s.1be!'olk7""l'becftm&<dar- 1bis~of~.3DimpQltlll<doam>!IIl. P1=1zop itill. ....pl=AlIfXll1gh ~_"'P"""'ifoamof""""",," ~e:dsls" ..._ofpriDllllg,illis_.""ibeE'oliqat""""""ofiIlsur- """ 1bebeoealsdeo::ribolincbis_sn:subjo:!".uof'..."""" allldiIionsm:l<l<l:!usimsci....E'oIiq_brdle~Thisdocu- '""'" "'!'''''' "'1'ptia< Ileo::iplion ofO:m!l3ge""m. Poliq_ ""l' Ime .... fumishcd " Ii>: Uldm<mber. ~9.{hlH#a -J.CixI;- rllllOlby-'Sea<tuy AMEX"""""'" ea.p.ny AMEX^"""""", Company 66~Il-97 9ffl , I, FOr Ibos< e1igjbU and wolkd in Jkmber.d1ip /IIm=is, if a MembershipR_~~ ~-'. """""ge~ prouidai~"'Ren!4J_""""inth8[,__Sk1tss. 1. ..... """ in amj:mcftm rib a Jkmber.d1ip _ rrJempl>Jn ~_th8~gC<rlltnJl1iCt1m{Janiesan_'" Hertz, Nai'''''''/ and Budget 3. If elig;iJ;/4 and emdlai in Jkmber.d1ip Rapmrk, =-go is also adb1iJ!Ed tuDen th8 Ct:d=mber(l) presmi:ra Membership Ra=ds rrJempl>Jn ~ and (1) """ a Membership ReutartIs rrJempl>Jn ~atap..~'1OJmmm:id c.r IItnJI1i Campany. /mpor''- _[or Ibos< emdlai in ,Wembership_ AMembership Ra=dsmkmplicn ~"'" ~ l>I """""'" byelig;iJ;/4~~..rIl""'l>Ipa;dtuDena JkmiJenhip _ roiempHtm ~ bar been 1Ttw/"'"" '" nct></igihIe~"""'or~ 4. Doe:""'appiy"'N..,i!ri_~ 5. FOr Ibos< e/igihk and emdlai in Jkmber.d1ip i?Jiz#<1rds. tuDen rwieemingMembenhip_~ ~_is prouidai only '" Eimt4i.- =tad in /he Imii<<i Slates. OESOlIP'lION OF COVEll.\GE C<mmi ~ Al"""lmJIbe.Oloozd PoIsan tmdortbe BlmRl ll:lso!rli<<Jop'!'<i&r.\Xll'J48("1b!l'oi:7"llllllrif LJeorsbeis: .. Fcrnal,ool_.ilaEatAlilili:mlc..a.......b.l..."" <iIbei._ C3Il!.~ClDaC3ll!.GaldC2ld; Opdma' Cml>XClllllS,F'lli!!ilr_~C3Il!.!Tdo!llr_ Express"GaldCml,at._~ClaIItCml,DeItL ~Cml,_!loIlaSlot.lilos"C3Il!.l'I2liaumDeItL ~Cml.Oplfma"GoIiC3ll!._c.sh_Cml, ()pcim&"Cml,Oplfma"-..c..i_Slatpoillls" ClaIItCml,_Cmlimm_"""",._ Express" Gall Cml. ~ Cmf. ?iJrm'8<mr Cml.lIesl iblIo II - --, ,,~. '''', ,-' -"""~_.,,"~ . '," ~ '"""'^' iU ~~~lYrJlul''''t'*'f~trrtlniJI~TfJ:rrn,ilMffinr"'~__1r\~'itte''*~9'' '~. , " Cad, Optima' C3sh _ Cad,Optima' _ C3sh_ Cad, &wiOrlt Micbep_" em!fromAmedcm ~ Newfori: ~ CWfromAmedcmE:'l"...., mlThe N_ JWiliple s.::...;, Ozd; Cotpocre Cad, Gold ColjXlCl< Cad, ~CoqIor.IteCzd; ml DeIr:t~Cotpocre Credie em! furSmal! ~ ~ Gilld Cotpocre Oplimt' Cad, ColpO<3l<Oplimt" _ em!furSmal!_ - OldOplimt"CJldOl'The.lmerion e..,"""C'!ditCll! orthe~~EaoJJunEofferedlaconjamamlVid:t any o/d1eforegtling,_br_EIo""rr...lR<bool -Comp3ny.lJr.orits~_("_ ~Jinbisorber",,",,_sem!__ rm.!'_OldIbc_paJlIImt"""""_in conjuoaionwilll""lcid1efu"'&Oicgissw>:lbr_E:q>"" or ltt panicipoIing_ inbis or her """" Cotpocre Cad,-Cotpocreearo. -,Cad, Old_ T=l_issw>:lbr~_of_ : E:q>",,-biIltrlowsided1eU.s:inamoi:rocberiltmU.s: ; dalliu::ib1hisorber_ '.' , i i b. for $250,000 0JVerJ.ge, a Basic or ~~ r~rrlm"";i.- wfitJ ~ .RewmlsPlusGoIdCWissu,dbrAmedcmE:q>reorr...l' , -_Company, 1Jr.0ritt~gsubiidWies '("AmedcmExpress")inbisorber=or :' i ~ fOT $lOO,ooo _. S&: or Mdilion2l c.xdmember wiIo ho:o ,PbainUlll em!', ,1deIity_~Pbdnwn'CWor S...u _ Corpo"", Platinum CJld' issw>:lbr_ E:q>""T=lR<boolServia:s~lJr.oritt~g subsIdi2ries("AmerianE:q>res{')inhisorber""""en, I I Platinum Cae!" iaIJunl; or d. The spouse or dependent dilld lJllder age ZJ or my eliiWle fOlSOn : descihed in (", (bJ or (oJ';""; Old 2.bis or herAmedcm E:q>""CJldis biJled in <be lIniodSlales in U.s:dollius. DEF!!'<mONSAND SCOPE OF COVERAGE "Aa:ident","""",",usedinihisl'oijq=on~"",e..mm ""'" fnjury and sltdlalso include _ resulting from, lllisltq> on .ColllJllDOCmier~in~il1eeo..x.:lP=nis~ "Americm E:q>= CJld" sbaII =: L forSlOO,ooo_il1ePetsonal Cad,Petsonal~GoId C:mJ; Optima" em! "COI..II,. ,Jdeii<y _ Express"Cad, ,tdelilyAmedcmE:q>,"""Goldearo.or_ E:qllSu.dil Cad, DelttSkyMiles" c.-.JitCad, GcldDelr:t~ CreditCW m:oun~ Pbainum Delr:tSlqt.liles" Cad, iJp<i="GcldCad, Op_' CJSh _ Cad, Op-"Cad, Opli=' _Cad,_ Sl3Ipoin". Credit Cad, ,_ Ell>=" Golf Cad, EzfMile! Cad, BllJ'Z Bonus Cad, Best R2 Cad, Oplima' C3sh _ Cad, Optima. Pbdnwn C3sh _ Qmj, ~fOll: Micb CWfrom AmeriCll1 E:"!,=,,, Ne< fori: R:llIgetS CJld from _ Express", and The N3lionaJ JWiliple Sclerosis S<df!)' end; Cotpocre Cad, Gold Carpor.tle Cad, _ Cotpocre CJldmi Delr:tSkjMiles' Corp<lr2leCredicCJldfurSmall__GilldCotpocre Optima. em! miCotpocre Oplimt' _ Cod fur Small BusiDess_mi1le3olret'sCaolAioxmr;~_ _mi 1beeJlimo!{lllllIll!lIIo:imito'lioiilincmjimCciaa willlmyrilbc~isslIolbr~I!lpaosCl'iI!'_ E:q>=Cml"sballaIsolll!2ll1be~Cml,_CoIpocIlIo Cad,1le3olret'sCml,mdliosiDs,~_isslIolbr pattIdpaticg "Ailm:mI!lpaosGmf'sballaIsoarJllIbeColpoclllo Cml,_CoIpocIlIoCml,~Cml,mdlbcbosiDess. ' l!:<ll!!_issa!dbyl"'~~ri_1!lpaos wlJenbiIltrlOlllli:loIbeU.s:in_oIbertltmIlS.OOIIm., , 2. For $250,000 ~ RmuI Pills Gdd Cml,md Ibe .-w' payment """"'" _ in O:llljlmajOn.uh 1bemp,g, _ br Ameril::mE:q>ress. J. For $500,000~ _ Cad", 5ieIitr- Express" l'bmwmCad,~1beSmall_Coq>oaII!_Cad"md 1be___olli!o!dinCOllj1mc:lllll'Oil!lt!le..... going,isluedbrAmerianE:q>ress. "aJmmonCmi<r~ 1lIl!lIDS",",Im!~_(oIber tltm ,rental ->'-'br,_CIldlorIio=d"=T _furm. ~'jj~f " Atripis3."Co-..!Trip'"if: , , L~is',"!:l:Ikmbrmeeo..x.:lP=""'=<be"'ineoldep= Old th.iianddestin3!ioo"sboononil1eeo..x.:l_ .ond 2. rbe~~n'sfureforsuci ::ti;lh:r:sI::emXIIJ:allrcharged.rn 1. ljledli:AmenCll1E:q>=CJld=;nor""",fnjuxy. "mjary'" ...... bodily iDjurr '>lndr , L'ClIJSedbron.-"lt_=.ttileil1eeo..x.:l~n" _is infon:.underille i'<lii::.'<IIi Z;resu1tt in Umin>uredbymel'oliq;'<IIi J,"""""I=.....direalyand~oiillo<ller=" sudl aa:idenl:1l boJilyinjury: . , "Sd>oduIedAirline" =onmlinelismiinlbc~" diriineGuide whichi:seithtt . vu-. L of Unil<d Stues regisny Old O>tiliol br il1e lIniJl!d Stues gll"!.'IIIIlel11. "=r i='ll&"t' on 'reguhuiy ~ b..is; or 2. of fureign.<gi>try Old '\lPomd.by il1e Uaiod Slales gtM'tllIDfnl. '<IIi ille '\lPropriaJe fureign autbcrity. BENEFIT AMOUNIS Asa ben4iio(~ ",,~P=n wilIm;eiQea ben4ii Ieuei oftlOO.fJ!XJ. t250:1X() or ;J1Xl,1X(), depmdingrm"" iypeofC=iAa1xmi usai 10 cDarg....C=mon C4rrfgr ~ fare frlhe 0Jwnd T,*,- l'f=e ni'r 10 ixYh... CDV~ p""""", =m andlheAmerican Eqtr= Cani~ =kr... ~ -." ofibis De:c-j1am of~ I(you ""stilI unsureruhalben4ii1euei of_app/i2sIOY='~ &p= Cmd, p'- amIad Ihe c_ Serna CmIu!llilfrot mnnber lIsted rm Ihe bad of Y=' Cmd, aisa sbaum en Y=' C=i_ Tahlenfr~ Um 01 Ufe DismemlJenneni LoSs ofbadl h3nds or bod! fee~ Lass ocone baru:i aodaoe(ooc. Um of ecuire sight ofboch "f"S LoSs of enlire sight: of one~' and one h2nd or """ rOO! noo,ooo S'Z)(J.OOO $lOO,ooo Loss of one hmrl or one foot . S50.OO1 S125,lXlO $250.000 Loss of entire sight of one eye 550,00) $I25.COO SZSO,OOO "toss'" as used. above with ref~ co r...ooor:oat 11!~ comolete and perinanent~ through or aboge me wrist or mJde joint, arid as used wiIh refereca to e'Jemems lfIe ~...b/e!assoflleenEiresightofsuch e't'e. 5100.000 - $250,000 - 5500,000 MAXIMUM lNDEMNITY PER COVERED PEESON l".<ifsenale Ii1atthefo_g~oppfizs" theb<nefitkwi of in...~.fJrotIf&!ii lIlitb the-Card~!41!d!t) charg! the Commtm Carr'.er UJnveopice f,... for the Car;oW ii'p,l(you "" == what ~ Ieuei of=ge appfizs" yourhnm:m< &p= Cmd, p'- ""'!<<t the Udmn.,. Smna CmIu!ll1l-,i-ee =nher!Isted em the bad of Y'!"" Cmd, aisa shown rm J'1Ur Caod_ in ria """will a>ullip/e -= Eap= Cmls ob"gaIl! il1e eamp.ny to FffurJ:l1l;lte thm oueLosssust2iDedavmvaae indi:ridu:ai ~Pcson ,,~ltSUItofmr""_ The~oIJIigalion under il1e I'olky willllledermnined _nling" me iligiI<st -P"!'b/e lJllder th. 'l"'/fic - Express Cod aattIlIrused" c:mg.1be Common Cmier ~...ilo1beeo....dTrip"_inlbc__ AC!:wENTAJ. ~"..AmAND DJSMEMBERMENr BENEfIT The'Olillpmyw,' ""'l'!>ficble1lelolit_,,~1rom lbetb/eofl.osto :hw...!_slIiilsalas f1tIin on Jojury,"""", ~is in fuo:e,undor1be I'oIiq;blItoolyifsodllasoo:m:s wililin 100 daJs!*1bedaof1bo__CO>O!l!t!Ie[njary.Bell!liJswilllle poid!fur1be _1= in 00 ",,",.utt!leCaIqomyl"ffurmare I!tln one bs_br...eo....e!_"t!IeosuIlrimyOllO_ DESClUP'IION OF BENmIS €1ommoa <:une:-_11lis _isl"f'b/eiI1beeo..x.:l ~_f1sjury..,osuIlrim!'cdo"_oo:m:swilile r!dmlsalolr'" ~itt, orbamiing, oriJigblicg from or bl;ng,SIN:I: br ,Common Cmi!r<lm<r=fur, eo..x.:l1lip. . ~u.............- -.Jl.Sdlo!ldotAidine aaais ~fur'eo....dTripprllr..1beeo....e!_~~ rOr1be<iIp>t.'thi:s _isl"f'blejf1beeo....dl'=n- my Injury""",, ciding" ,_in ,land Cammon Cmier c SlOO,QOO 12iO,OOO $500,000 $100,00{) Sloo,ooo noo.ooo S'ZiO,OOO S'Z'iO,OOO S'Z'iO.OOO $500,000 $lOO,ooo $500,000 c '--' 12 - ~~'i,1tT>',*"Il'$~t~flW'~''1j':~~~0 .' (-- "'-..., '~or1scbeduloi heIi_~ ",Glmmon Cmier Co_b",onty: (1) when~gdirealy"m,;qx.<Ortbe purpose oiboarling a.Sd1eduJed Airline llighcon J. Ca<rerei Tri!J; or (b) when lemngdirealyfrom '" ,;qx.<J/rcr1lig!uinglioo11 SdmIl<d ,\irline IIigltt on . eo.md Trijl. , Airporll'reoU=5 Bcaclk. ~. SdleduIel Airiine """ is pUlth=! Or. eo.md rrip prior" Ix>roling. illis _ is p<'!'ble il en. eo.md P=n _ Jl\'f Ini"'!.... ""'" Jl\'f,;qx.< p""""'" designarl Or ~ "'" bu< oaJrwhen tbe eo....! ~!:suponsucb.prem:izes:~be{orebttmiing.oriImI:e- di:ueIy J/rcr :i!ighting from 1 SdmIl<d Airiine IIighl on . eo....! Trijl. EXPOSUItE AND DlSAPPEAAA10fCE ~tbeCDwedP= is =i<bbly~" tbeelemenal:o=seel", .Io:identon 1 eo....! Trip wbich."wi. in <be~"""" sinking or ""<kiag elill. Common urn.r~ wi! ",<<Ol!telSKh _tbeeo....!""""'sulfers1r;.,Orwbichbooefils",,_ p<'!'ble onder <be ?alia. sud1loss will be .".""j ucclir tbe ?alia if ale CDwed I'etsoo ~ ile=secl m ,,,,,",,,,ton ..-TaP w!tiO """" in <be~ sinking orwreaing ofthO'Commoo Cmier Con~ md i!thO CDwed Pmoo', I:ody Itz ""'been found widlin;Z ...,el:;J/rcrthOdaJeoisud1ic:i<1ent, itwillbep"""",,",suCie<t""""" beingoaerideni:e "<be,,,!,,,,,,.,, ilwi!leeo.md~_lossof [;[e".rescl!oIlnjury.".""jbythOPcIiq. , " , COVERAGE REOu~' ^ eo..r.d P=n wiHbe JIIlly iascredOrbece!i' onderi!le ?aliqwiille tlking . trip 00 . Commcn urn.r eom.y.no. oniywlien <be 1m hz beoJ d1argl:d"i!lespedfi<:_ExpltSSCard. ',\ ON-BOARDTICKETING ii" ' Illthe~ta.Cove:red?~suffers:1.U:::sson~a.&haiuied.\irline . llight iorwtUch <be JirIine sells a""'" 00 i>>uti i!le IIight md <be eo....! _. Itz "'" pUlth=! his or ber ado< by dwging i!le cick.t"' an AmeriCIll Expras C:url prior co boarding me flighr. d1eo. the CDro;nny 7Ii.I1 e'r.J1u:ue and pay such loss where it c:tn &Iblish i.b:u. no ather form ot payment was used for me Ilight in question. PllEMruMS The premium for this cover.tge is ~le by.Weric:m EIpress. EXa.USIONS relis ?1J1icy does not cover any Loss c:wsed or conaibu!ed ro by (r) suidd.e ormtenrion:1l se!f-<iesmJaion or my attemptlherelt.wtti.le~ (2) 'nrQr 3!lY :let of wuwherher declared or uru:le:I:w:i: ~ any :!ac:ommitted by In Jgent of :my governmenr.. partY, or f:lClion mgagei in w:n: hascilides, or odter wariilce: ~ons provided such agent is 3ai:og seaedy:md OOC'm ~on. wiEh any oper.uWl1 or umed fo(1::S (whelhermilitl:rr, ll:ivai or au" fu.rces) 1Il me COUIlrrr where we rnjurro::::ux:s shall not be ~:m :Ia. or war; (3) injury to which :I. contribwcry c:wse IIl3S die COlIIllris9on oi Q~ ~Et.to commit U!. illegd:JCt byorc.'1 beh:a1fof die CaYerei ~n or hi:s~(4) rniurfreceivaiwtdleserring3Smoper:uorClr~ member o~ any CDm~ce:: (5) [njury rer.::Wei while drmng. riding 3S :l _lIl,_gor1ligbtinglictc""","~or(6)sidtness, pblslclorlllel1tl1 infirmiLr, p_or"",llleliic1lor..p_- mene for such conditions. unless trea.rment of die coodition 1$ requin!rl as dledin:ctresultoiaCJVeredfnjury. BENEI'!<:!AKY" ^ 3:""' DnlnIlonCer may desigaao: . becEOdary orchmge.~ designarl becefictuy Or _ mil his or ber= mil dtildrec.oo""""'aJsollasicor~~.In~ C3l1lmember may desigaao: 1 becefictuy Or _ mil his or Iier 'l"""mddtildIer1.oo ua"",aJso &lsi:orMditioo2l'"""-"'=or _ or_ eI&lsi:Cardmembea. ~l"""O'aber lltm....ltIIe:l -maydesigaao:ordtilnge.pn!'1iooslrdesigltlD!llbeueiiciatForSKh dd_ord!2ngo "becmle~.wtillm _""b 531isfaacry" thO Olmt>mr. = be IiIed .un_ E:<p= Scdl deligJtnicn ordtilngesball '"'" """"01",,,_ itwassigDedllfthO, ","-,provided ilm ititls beoJ rerzi1odllf,_ E:<p= ~Jl\'f _rt pn=ds .....br thO Complalrpc;;.." """,,,ri m<lesiglmlm oidtimgl!sballfufrriliscitargloIlieConly.al!'''<be'''''''riSKh~ a..uMS ' Wnllen """'" of daia1""", be Ii"'" ".IME!._ 0Jmp:mr.!Jam ~otIir:o.~_ Ei&inh~Ilnitm,Y<->'l4lI )j4o\(JwidlinJOilm-~~- "-.-- ~ .' ,qll;l'lWO~or"~ .r r:i.3DY Lass , by<bePcJiq,or"__"is"""""'"lr~:foace gMlI br or on be!talf ri thO d:Umant" IbeComplalr" il> ~...~ '"",'!''O"",,,dr;p otIir:o. or1X> "'1'-1g<Ot 01 thO Cctcpac1, 'lrith iaionnalicnSlllli- _" idenlily thO G>=! P:::icn sball be ileemat noa'" " <h. 00_ P.'CQ{ENT Of CUJMS " _ '" loss ri 1u.<i.Co...d l'= will be poid:c:he ddgnarl beDeiid2ry. BeoailsOrillo<l1erl=_Ilf.CDwedP=n will be pal" thO eo..edP=n. ~~ _ ~ <be designarl benefi- d<ry.~EIlC..Iltm=~isilesigD3ll!dmdthObeneiiciaries' ~ inll=Is "" w:spodfied. thO designarl beofiidaries sball share equail): ~ 00 ~ Itz beoJ desigItWi. or i! <be dtsignarl benefi- ctuy does net '"""" "" eo..ed P=n. thO bece!i. will be p3id " <be ~pez:scn"'''l'''ilr"tbe~l'''''nsin<helilStofthO icllowing d:= 01 o=m. p"",= beaeiicOlries in wtUch <bere is . IMcg n>:ml:ec 1be G>=! P=n'~ 1) '1""""0 2) clIiJdn!n. including legaIlyadcpleddtildrec.l)_4)bro<bersmdo-.llesl1le in ""","";nmg",," f=>l orl""""lS, i!le ColDp3ny may rely nocn m JiIi- ctMtby._elmreli!led=ofp"""""" beofiidari.._ above. ?aymeat b2sed u;oo :rrrr SI:cit :uiid4rie shall fully discharge the ~ from ill obIlgmJcs under"", ?aHer ucIess. beIc.. such paymect istmde, thOComp2nyItz ~","_Ol!io:written'''''"''' 011 valid d1Un by_ o<l1er!,,=(S)..lny mIll,,"t p<'!'bl. "' . <Irincr maybe poid " <beotioot',lega!gurimL , TIME, LIMIT ON ACTIONS No """" "l'-WorinequityMbe brougb<" """'" onder thO?a1icy J/rcri!leexpir.uicosel...._meri!lecimewrittenproclofloss is required"beiumisboi. 1bebecefusdescribedi>:em ""suCie<t" sIloi<be!en'llS wccrulitk,ns of thO Pc"," This D=:p<ioo of Clm!r.<ge "Pi=! my prior CeItific:!re wbichmayb=",,"flncisbedin~'lri<bi!le?aHcy. ~9c.J #4 !rencethJ. G3k.?:.sident IllllCmy Meehan. Secretary AMELls.=Glm!r.ttlr MIEC_ Company 6m.ll.J; 71')9 Notic< '" Florida ResidectS Only: 1be beceli. 01 thO policy providing 1C\Il''''''''''ll' ua ~Pri=ilriJyi!le ""eI ._a<ber Iltm Floria.. I. If, <ifIer r=5ng Ibis D<sa'JJ1i:n of Cowrag~ JC" "'" m1I =sure IDhot ben.ji11wti of o;e;,g' "PP1kr";- """""'" &p.-err~ platse ccnIad ibe '- So-.,;" Cm/Ir ioIi.p.. numb... (;zed on ibe Ix1cl of:;cur~ aIsc si=n on:;cur Card_ , 13 '"'''''''''''=-.'' ,:~~'-]j"'''-'''"'-''"''{ni~.9_'''-~'i''--~ ~rMi"""'"'''';'~~\W:'.;W~>!~Itw&~ilWill.r """ ~-~-,,"~-" ,., '" ~ "'-'~,.~~'""'- -lOI\;1'~~~~L ,,,,uFF ",;1"'{ "1 '" un \J "-',:'; ~~'~~~ ~ ~~ '. mL~llU IJHI Linn In _~ '. '='c , ~~ ,~~ "~ ~,-'~ 1.j