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VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
MELVYN S MANTZ & ASSOCIATES, P.C.
25 East state Street
(215) 34B-5200
Doylestown, PA 1B901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK
plaintiff
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
VS
DENISE L. FINDl,EY
Defendant
NO. t!f qr / k,
HOTtCl!
You have been sued in Court. If you wish to defend against
the claims set forth in the following pages, you must take action
within twenty (20) days after this complaint and Notice are
served, by entering a written appearance personally or by an
attorney and filing in writing with the Court your defenses or
objections to the claims set forth against you. YoU are warned
that if you fail 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 other claims
or relief requested by the plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR C~lNOT AFFORD ONE, GO TO, OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar A.soci~tion
2 Liberty Avenue
carlisle, PA 17013
(717) 249-3166
JibPROVIDIAN
"- /oil/aI/no!
f1rnvlcii,11l r'Jdllonill B'lnk VISAi!l or Ma~lorCil,"1J Account
ilcr.owltAqrem!1onl /Uf(JOIlI'\O[ f:mdl,ly
Pleaso (QVIOW lhl5 OOcllrflonl and keol' II with yO(j{ othor importanl pilPt1l1 Thd Ar:cOIH11 ^(JrQt)II1~Jrll cOlltillfl'llhe l{)Im'l wille)) q,worn y\111f PrOWhan a lon<, an , or as i}f al Ac\~ounl
fUIC 'Account') Tho Accounr allf)ws you 10 make (iurch.:Llu;1 by wilnv ynllf VI:;i\ ')1 ~la'ilorCilrd \~(wJ (tlll) 'Carel') wht!ltwor It I:, 'IOrlOIO<l rInd 10 tj;jl cash <ldvilnCO'l from U9 or any other partlclpatmg
Illancl,lllnstilullon ,wI 110m Automated r (lIlel ~"'l(;tllrlfJ$ COnVlJflIUfh.'fJ dll!ck~ l1\<ly also bQ provl,-kJrJ Ii) yOI! a~; !In <l(kJI!ion,11 WiI, I,) U'llJ Ihu Account In thl$ Agreement, 'YOI,/' and 'you,' rneM
oact~ porson for wll0m wo havo acenod a crad!! (md 1\\:<:Ollnl 'WI.1' 'uw ' ',")IW; . Mid 'In' Il10<1n I'rrjVlrJun ~J:J11()1i,11 flank ,~'r 113 a';~I<Jn/w~ a~ liS led on Yl)l)f billing slalof1wnl The Accounl may bo
usecronly 101 p.3r.~onaL I<lnllly, tlouschold ,H'ld chanlilt;lo PWP.)~fl'1 ilrid not 'or al\y bU"II]<!<;', Ilr GOrnmDfClal p(j{p0~W Any lJ'jO I)f 101:; AC";OUPl $hall wnslllule c1GCeptilnco of !Ill.! lalrllS of thiS
Agtoomeot You and we ilqrco as fulll)W~
Payments. You Will receNO a mlJnlrlly slall}nwnl sllo.....lnr) yOllr oulslilfldlll(J hai:tn';1l Payment on ItH3 Account I'J WqIllIW! In U ,) (joll;lIs (ChACks musl be payable ilt aU:) office of tho bank thfJ
C!lOCk: IS drawn on} for ,I! loasl the paymenl (jIlt) ir-l shflW'\ on yOllr slalOmonl by Hll! paymoflt dW-l dilto In ilcr.ordililGll wllh Pil',nll)fllln<;lrlIclion:, on your monlhly stalemenl Convenlenc!} chet:ks
ilnd 6!her chocks WO ISSUO to you may III)! bo iJ:;O(j 10 mako p<lymofllt; 011 YOIJ( ACC0UIl101 to make pa',mooh on ilny OHIOf a'~COUl\1 y011 hdvo wllh us or Ollr atrlha10s The paymenl duo Will bo 2%
or lhe new balance shown on your 'Jlatemonl (or 2 2% I' lln i\nmkll PurC81lIil0') Halo ilppllod 10 IOllr ACCOUIlIIS hl9hel than ~il 9%) olus Iho "mount of any past due paym<!f1t plus tho amounl by
which lhe now balance exceeds your Cf!!dlllllle Howt!VtJ(, Iho pilymefll dun Will not b.l IWiJ Ihilll S 15 (unkm "our now balance IS Ie,;" th,lrl Sl5 In w~lIcli cas€ tho paymonl due Will bo the ilmounl
of tha now bal<lnce) If Y0ur Acco\lnt IS past due 01 abovo the credit IIl1e. Wt! may wqwrQ a hlgtll!r flllfllflll!lll payment tllJI 'Nt'! Will n'Jtl~' you bt:!fow doing so If YOlll paymenllS more Ihan the
payment due, II Will bfl treated as a single poymonl and nOllo ot II 1'1111 bt'! ilpphfJd Ii) IIJ!<.J(I] paynwrlts dUt1 We mort accept lall! or ~,'<lflial payrnonls. or pay men Is marked 'patd In full" Of mfllked 'Nllh
olher re3lfl(,;hol1s wilhoul I05mg (lur IIghllo coll/Jr.l all amoull1s oWlr1g lJwlur Itlls Agrenrnenl
Crodlt RevIew: Special Rllqulromont. In ordor to keep your ACCOllllll1l g(,.)(j <ili]ndlllg YOll agre\! nu! 10 :,ICjnlhcanlly Incroa~e Ihe arMllf1t of YClillotal dobt on unsecured levolvlng accounls We
1'1111 revle..... your Accounl and credit profllll regularly to Clvalualo (he amount you '1'tfe relallvo to tho (llnoonl 01 yow thfJf1 CLlllent Illcome (We cOII'Jlder an Increase In debt of more lhan $2,Q(X) 10 be
slgnlflcanl unless you hllVil SU'(ICllJnllncome) If wo dolermll1c Ilia I your Accounll~i nolln9ood '.tanding, your ANNUAL PERCENTAGE RATES (APR) for purchases, cu~tom cash, and cash
a(Nan~eS may b6 Increased
Finance Charges. E)(cept as descl!t)QcJ In lhe Orace Parlod (or Purchasos sedon of 1111'\ AgrOOf11fllll, 111I{lfJCO charge'J bogln 10 .;l<,:crue on a dobl! wMn IllS IncltJded In one of your dally balances
and conllOue unlillllal balance IS leduced by ,1 paymenl or ClOdlt Your <1CCOUllt has Ihreo balances Iho P..~l..QtliliQ..fuili!m;~ which t.:QflSISls of pUlctl<l~es you maim With Y0ur Card and feos for
cerlaln opllonal servlce~, lhe QmLQ.m..Qs!1rU~~J!o<';1..Qillalli;.Q, which conSists of balanC/Js lhal you Ir<lllsfer 10 yow ACCOlHlI u:,lng bal.;)nce tfZlns(ar checks and balances thai we lransfer for you
and lhe killi.tL.ili&ao~.OilliJ.!lG.Q which cons ISis 0f all olher cash a(~/ances ;\I1Y payment amount W/J IflCelVI') thaI exceeds Ihe finance chargtls and fees thi.ln due Will ordlllclllly be applied flr:'lt 10
lhe Balance wllh !he 10wo:>1 Annual Percentage Rate (APR), unlillhal Oalilllce IS ZUIO, and Ihen to l1H~ Balance Wllh Ihe ne,~l lowest ,.\PR lIntll thot Balance IS lero. and Ulon to any remaining
Balance Wo reserve !ha right 10 apply paymenls dllreruntiy wllhoul fwther notice The hlrchase, Custom C,lsh AcNiJnCe, and C,~sh Alj/ance 8Zllancos are reduced by paymanls as of lhe date
received. and by cledl!s (exc(lpl for re'JerSills .)f L~to ovel-hmit, and mlscQllaneous chargos) as ollllfl dale posted flurchases ari! Indu~d In yOLIf Purchase Balanr:e as of tho date made Cuslom
cash advances ar~ IndlldOO In your CU'ilom Ca:ih Advance Billance il~ folio.....'3 funds electronically lranSflli!lod 10 olhor lendms to lransfar balances, as of the dato lransnlllled: chfJcks 10 lransfel
balances as of Ihe (Jale presented 10 us Ottlill cilsh advances illD If1clwjad In your Cash Advance Balance as fOllOWS cash aclvances flom olher flf1ancrallnstl!uhon~ and lhrough Automated
rellels, as of Iho dite mado, cash advanco chf)cl~s mflOO payable 10 you thai {lW Idonlilled as cashier's checks and mmled 10 you al YOllr r':lquest ilS of sQvenlJays aller Ihe dale we ponl on lhe
chock, all olher checks as of the elale presonted 10 us Olher ciebils (e)(cep! for la!o, ovor.llml!. flnanco, and miscellaneous Charges) are Included In your Purchase. Custom Cash A<Nance, or
Cash Advance flulancEl as of Ihe d<.lo p0'.lled Frnance charges are added 10 your Purchase, Cu~tom Cash AdvanclJ lInd Cash A(/vanco tlalances each day and are Ihen p..'sled on tho lasl cklY
of Ihe billing cycle There IS no graco period fOI custom c,lsh advancos or olher ca~lh advances
To figure the (kllly finance chatge for purchases. the dally linanco charg.;) for custom c<lsh advances. and the dally finance charge (or other cash aclvilnCi!S, we starl Wml youl prevIOus ,:Ja~"s
PlIrchase Balance, Cuslom Cash Ad'laIlt.:e fj(llance, and Cash Advanco tJalill1ce, <ldd all deblls and 5ublracl all credlls for Ihe ClJrrent day to tho applicable Balflnce (as explaIned In the paragraph
aOO....o) and mulllply Ihe flot amounl by Ihe applicable dally pOfllxhc rate (SDtI lollowlng paragraphs) Th/) Ilnance chalge for purchases IS lhen added to and Included In thai day's Purcha~e
Balance the finance charge lor cuslorn cash ,ldvances IS lhfln a(kled 10 and Included In ttlat day's Custom Cash Advance Balance and the finance charge for olher cash o<Nancesls then added
to and Included In that day's Casr! A<Nance 8alance We lreat a CIOO!! balanco for any day ilS zero Wo determlno tho finance chalges on your b<l/.3ncos for the billing cycle by addmg logelher the
fmance charga for Pllfchas6s lor oach <kly wllhln the bIlling CydB, Ihe fll1anCi! chargo fOI custom cash aclvances for each day Within the billing cycle, and the finance chargo for other cash acNancos
for each day within lho bllhng cyclo In calclllahng finance chmges, an adlustmenl will be made for :IIIY tlilllsachon or poyrnent Ihat would h<:lve affer,led Ihe finance charge calculation In a prror
bIlling cycle liad II boon posled In lhat cycle The appliC,lbl\l dally potlOdic rale lor such a !ransactlon 'N111 be the ral':'l In offecllor Ihd GUllent billing cycle ralher than lhe late in effecl on the dale of
lhe transaction
To ootermll1o Ihe avorFlge dally balanco ,hown on your statement for p\JIchases, add each day's Purchase Balance (rncluJlng daily flnancll charge) rnlhe billing cyclo and diVide by Ihe number of
d(lys In lhe bllitn'l c"cle To determine Ihe a~elage <illly b<llonce shown on your stalemonl for cuslom c,1sh ilcJvances, add eact., day's Cuslom Cash A~ance Balance (including dally fmance
charge) In the bli In\] cycle anrj dlvldo by the number of days 11'1 the billing cycle r 0 delurmlne Ihe average dally balance shown on youl ::;talmnent for cash aCNances, add each day's C,lsh
A<Nance 8alance (Includmg dally frnance chmgo) In lhe hilling cycle and dlvldo by the number of days In tht1 blllrng cycle You can mlllllply efjcn of 1I1fJse average dally bdlances by lhe number of
days In Ihe blllmg cyr.la and by lno apphcablt'! c!ally perroolc ratolo oblaln subtolals, anc! Ihen add the thret'! subtotals logolher 10 l1t'!tE:rmlne lhe total amounl of finance charges on pur balances for
the billing cycle If a cmih advance lransactlon fee IS crlarged, Ihat ilmOI1f1t IS also a financt:' chnrge
The term 'Puma Rala' as lJsed In thiS Agreement means lhe highest p.llme rale published In Hie Wall Street Journal on !h€! firs I bUSiness da', of Iht'! prevIous calendar mon1h Any mcrease or
decroase In a varrablo Annual Pelcentage Rille will lake effecl on 1M IllSt day 0/ your billing cycle and may rc:)ul! In a Sllq~lt Increase 01 decrease In the amounl of YOllr minimum paymenl
You clm arrange 10 have a vafltlble rale (nol below 5 9%) for purchases which IS lowOI than the lowest non'lnlloducl(<!y ANNUAL PERCENT AOE RATE (APR) you are paymg on any 01 your olher
crL'dll card or ielarl3ccounts ThiS APR IS available only I' YlllJ ploVICle proof, In the form of a copy of your most recenl bllhng slalernent. sr,owlng your olller norHnlroduclory APR '(our new APR
will lake effect In lhe billing cycle follOWing ow review of youl proal. but not e,lrller Itwn the end of your Inlroductory perlQd Until your new APR !ake~ effect, or If wo do not lecelve proof of your
IOWflf APR YOUI APR for pllrcllases Will be ilS follow~ fhe AN~IUAL PERCENTAGE RATE (APR) for purchases Will Y<lry and may ve adjusled ellch billing cycle up 10 7 4% above Poma Rate,
bul will In no evonl be less than 159% USing lhls formul,l, ttlft APR for purchases In lhe May 1998 billing cycle IS 159%, cOlrespondlng 10 a dally periodiC rale of 0 04356%
You can iJflallge to have a yallable APR (not below 129%) fOI cuslom ,:ash aI.Nanc:.1S tllilt IS lower lhan Ihe averag<J non'lnlroduClory APR you have beon paying on lho lolal balances you have
transferred frorn other credIt card. Hltml. ilnd I11stallnHlnl accounls prOVided yOl" :Jlh.11 accounls wore o;:.en In May 1998 In salculatrng !hls APR Wt) will lake Into account Iho APRs on the cledtl
card balances you havolmnsferred from olh<:ir lenders ThiS APR 1$ avallablo only If you plowkl prccof, I11lhe fOlm of COplt'!S of yOU! m0'31 recent billing stalements, shOWing your olher
non.ln!roduclory APRs Your new APR WIll take eff(!ct In IhtJ billing cycle follOWing Olil reVlow of your proof. bul nol earllm thanlhe end of YOlJr Inlroduclory poflod If We 00 no! roceNO such rroof
your APR for cuslom cash advan<:es Will be as follows The ANNUAL PERCENTAGE RATE for Cllslom cash a.:Nilnr.es Will vary and may be adlusted tlach tJlllll1g cycle iJ~ 10 B 46% above Prime
Rale, but will In no evenl be les~ Ihlm 1696% USing thl:) formllla. Irlo APR lor cllslom cash a(NanCfJS In lhe MiI/1998 billing CYCle 1<; 1686%, corresponding to ~l dally pi)flodlC rate of 004647~1
The ANNUAL PERCENTAGE RATE lor cash advances Ii 21 9%, corros[.1ondlng to a dally periodiC lale of 006000%
If you do riot comply Wilt! the terms of Ihls Agrecmenl your ANNUAL PERCENTAOE RATE forpurch'lses Will be 21 9%, corre'lpondmg !,) a dillly pelli.xllc lale of 0 Q60C()%, anc! the APR for cash
acNance'J and Cuslom cash advHnces WIll be 23 9%, cOlrospolldm~ll() (l ,J.:lIly pt'!rlodlc ralf! of 0 l:65fiEl% Your Accollnllllay bl! t'!hglble for lhl! IOwtJr regular APRs after you havf, lTiel tho lorms of
Ihls 1\gllJem€lnt for thlet! rnonlhs If you conlacl us we 'NIII revlow your Acr;olJnllC' dcl!(!rnllfle YOIH eli!llbllity I()( Ihe I<.)w;)r APfb
Orace Period (or Purchases. New purchases po,lgted 10 YOlll Accounlln blllrrl9 cycles wllh n,) ~rl)vlous balance, or whon th(l prl;W1ou'J balanc,) wilS lully pwd dUllng lhe cycle, do nol begin to Incur
a fmance chmgt3 unlil tho 'l!art of Iho nt'!~t [J11I1I1(j cycle You Will payno (Inilnc.1 ch,lI(je on ~llIch now rurchasfls If you pay the lolal new balance In fUll by (tIE) paymenl duo dato shown on your
sl,ltoment Nl!w purchases pvstt'ld If1 al1'l otMr bllhn!J ':',cl~~ IflCW il rloance ::li:lIq.~ ;j0fJ Ihme IS n(1 rif!llOd Iii which :well pwCtl,lS/;S may !x:l rep,lld wllhout Iflcufflllg a 'Inance ctwge
Fees. We Will chmge YOIII Account up 10 529 for cdch CiHd you a:,k 115 In r~pliICt1 ,!Jeh rrlurned p,woHJnt check ;Jach r.hed: yell .....rlte ,m your McolInllhal we return unpilld, each stop payrnent
order or rfl!'1ewnl of suetl all old!!r, e,lctl tHlIllln eye I.) Within Whl,~h '{our A,;c':<)IJf1! I', d"lllflqu.~nl (I;llt! Ch.,lIWi), ilnd t1,lCh billln~ l:'lclo WllllIn which your bdlancn .e~r.eeds yow crodll hne, i!ven If YOlll
Accounlls r.IO~llcJ If you requ~1~t copies 0/ billing 'l!illfHn{!flt~ Ihat WMt, (If',! ':;()rll i(l yelll morelhan thr(!,) months <lilrhQI wt) Illay CklliJi: il rl(fnclllfll] ron ot S2 'or each such copy A cash adv~mco
1M of .1% (mllllmum $5) may hfl cll,)rqed /,lr eJdl cash a(Nan(;l! 11,II\'lilCtlnn rllil,:je on '(0111 ACCOUfll
Default. You Will be In dofault If any Informallon you prOVided U$ pr~lvos ILlI!1l II1Compie!o ~)r !l1l11l1t', II YOIJ Jo not compiy wilh ilny pari of thiS Aqreumenl, IIp,)n your dtlillh, bankruptcy, or
InsoNency, If you do nol Ddy OltWI dt10ls 'Nhon dun If J bill1kruplc,/ ptlllliofll:i tllt~d by Jf aqilllul you or II we l~!hJVe Ifl 1101](j fJiltl tt!at 'IoU mily nol payor purforrn y0111 obligations unoor lhls
Agreem.1nl II y011 ilre III defilu!l WI) mily wllh,)ul furltwr ,~lf)llI.'Ii1d or no lice Cillltol y,)llr Ut1(!i1 pll"'llege~ eJucl;!ffj YOIII J\crolJfll ~:dl,l/lCtJ Immedldlely c!l1P. ,lnd paY,lblc illld use any remedy we ma'l
have In Itle event 01 yOIJf dofault, lh~' ()lllstandlrHj balilnce on YOllr Accoulll 'Hldll conllnll" In ,lCqllO Il1lt1ro-;1 illlhe ,APH(<;) dl~cI.!~1Pd 111 1M FIIl~nce Chargos <;echon Q' ItllS Agreoment even II
we hovo filed SUI! 10 (;0I1tj<:lltlo amounl YL)U OW!!
Credll Une. YOlll credit !lf1t~ I'; ~pecl/led from IInwlo lime 1(\ J ';~'P,If;Ij;J nolico WI] /1)ir'lfl,~f(1,lSt] '11 (Jt~(;/<1il<;t) your (lNllt hlle b;lsn(j orllnfi)rnli1lion wo cbldlflWI from you or your cledlt rec,ords
You/ avallablt1 crMllls normally lh'! ddftlrt~nct) 11t!lweefl YO:JI CI(~dillln.l an,:I Y')(H Ao:nlll1t r}ill,lIl'~{< (IncllIdlllf) !rar~ilcll'JIl:j nla,:jt!or iluHlorlln,d nul ~ol Y\11 pO<;I;)d)II you sone) Wl a large paymonl
chock WlJ may hmll YOlll ,willlilnlt! cit1dn Wt'llt1 we cOllflrm Ih,lll1l!) it"~d 'NIII ,;I\lal I ,.lr ,:erldlf\ Ir,.Iri<,.K!;OI1<; ,lVwlilt.lilJ cw.JllIrH'I ("j It':,:; YUII Will wilusu YOlJr A,:cQuflllor ilnd we may refuse 10
honor ill1Y trilll-;aclion wtlldl wOlJ!;"l cause y,)\1 t,-, ()~ctled 'lotH ,'Willlilhll1 ,;((.,111
",olttln tctPilV, You promlso to pay Us when due all nmOlJlllslxJrtowod whon you or SOmCOIl(lO!SIt ilse your ACCOllfll (011)'10 If (tIO ,1:nount chnr~cd (l~eo\1(~~ your pemllsslon), all othct . '
IrarlS(Ji;!!OOG am charges !o your Accounl: Qfld collecllon GO~(!:l we 1/1eur II1clud!llll. but not hnl/lt'd to, fCi150flablo nlloff1ey's foo:l and COlli! C('115 (If '10l) Win 1116 SIll!. WO will pay your rea$Of1able
atlornoY!1 leI!) llnd court c(\'}l~ )
Chang... Allm we pn'f'tdo you any notlco roqwflJ(j by lilW Wo may chunq~! ,lilY ~mt of I/r,,; ^qltWnltlrll ilrld iJ(Jd or ft}nH)l,IQ ffJqul(tHlWnl'i If iI Cha~(jo I', nHdo to Itm Flna"ce Charges ser.tlon of
Ihls Agreement, the M.... rlflnnco char[lo cJk~ulallon will ilPlll'{ 10 YOIn lJflliw ,~(;r.OWII h(llilflC/l from the tJffl'f.hVO dat" of Ihl) ct1i1fl(jO Ct\.'lnfJWi will .'lpply kl b,llilf1CeS thai toru.LW It\l:fl1..t.QQ11M1Q ~QUL
A~QYl~1Qtt..lli!l..W.QI.!hj"-~llil:!l~Ul. and Will apply WII('lhor 0)1 n01'/uu CQnllnllO (0 \I:I(llho ^ccol/nt _
For.lgn EJlch.nge/CurtfnGY C<lRv..'tlon, If YOIl Wi!) your Card rur jrilfl3i1cllorb In.] t;urruflcy olh/If 111,lr\l1~; dollar~l, tho trafl<;ilr:llljn~ 'NIII biJ convorted (0 U S OOIl~IS, gflnerally u91ng eIther a (II
govomrnont,mandated ralo or (II) Wholtmlo mar~otlit!e In nUtlctlll!'! dilY boloro tllo !r<ln~ilctlufl pror.o~31I1q d,'lte ulcrcwlod by flvo p'Jlcont (S'%) II il credit IS subsequenlly given lor a transacllon It
Will b6 dtlcTl)ased by Ihe '.liImc perc~fltago II tho ,;ro<llt Il(l~ a dlffOlflrll plOCflS91fl9 dalo IhOlI\ Hill oxchaniiu 1<110 of Itl;) r,rodlt can bfl ~lrcillorllo<;3 thilfllhat of the ongmal tff\IISactlqn The currency
COl\V6191011 ralo on th{l ('~lY llelorc tho tUlf\sucllon prO(;(I'l'.Jlfll] d,llo ma'l dlflor fror" tllO Icllu 1(\ (lfftlGl at 1110 hrr1t~ of the trun'lactlon 'Jr on Ihe dalo Iho I,nnsdctron IS poslad on your Account You
ag,ee to accepllha COfl'JIlfhld IlmQ\Jn! In U S dollar'l
The Cud; Cilncelliltlon, You may cancQI Y(M credit r(lvII'J(~I.l~ 111 ilf1'l tlrllO by 1\(It!fYIfl(j liS 111 Willing und dO'3troYlnq ttllJ Card(s) Upon Ihu Cilfd o~plrallon at the end 01 Ihe month shown on II, ne
teseN(' the rlghl rial 10 ronow the Card Wo may (~ilncolllHll,ilrd m\d your cltldlt PliVII(Jilll:; al any IIrIW ar!or 30 dayt. notlCO t'l you Qr wllholll nOllee II permlltfld hy law If y.:ltJr Cald IS cancelled ur
nol renewed, flf1tw:e chargor. and olhellflos will COf1!1nlle 10 be a)~o:lsed payrnont'J WII continuo to bd duo and i111 olhilr appllr:<IlJle provISions or Ihl'l Aqreemonl Will remain In ellol;t If you
lormmale your Clcdlt prrvllogo~, or 1/ Wt\ r;;Jl1col or '10 nol rOlIOW Uw Card, YOll may no longor wille chock'! on 'jOur Account and you ~h0uld de~jtloy any unused chocks we have Issued to you
Pettonalln'ormatlon; Documents, You Will prowlo un <It 1~11~1 10 d."'~j rH)llco II you (,11(1[190 YOllr f':,1f1W hortlo (il malhnq address telephone nUmbtlr5, Qmploymenl or Income Upon our
ruquesl, you Will pIOVlCj(t us addlllonal (1IlanClal,n/ormallon Wu rt1S0Nll1hc light to vhlallllnforrJIi)tlon from olhtllS Includl!l~ credit repolling agonclos, And 10 PIOVIC!e your address and Informallon
about your AccOIHll to othors ~iLlliiW--.{\J1Qjb5!!!L!IlfQ!m.\\UQD .'-";1!tLQ11f.l!I~ul.l1.'l1. tiQ.W.lVQl..'i..o1Lll1ay..WJJlQJQ.ill.fttilillJ!f!l.Q.lOll[JKtill9..Y.1MlJ.122h~LlMJ[ljQHP.a1!2QWlth our aflillales If you
00 not fulfill YOllr colrgatlons lIndtlr Ihls AgrolJrJlonl. a nogahve crcdlt report lhal may ronoct on your credil may bo SlIbmllled 10 the crt-Jdtt reporting agoncles
CUltomer Servlco; Unauthorized Uso, l()S9, or Thoft of Checks or th" Card. tach Card must be 'llgned on rocolrl You dre responsible for safeguilIdmg Iho Card, your Pefsonalldenllftcatlon
Numoor ('PIW which proV1CJcs <lCces'.; 10 Automated T 01101 i\lJr:lunes) and any checks Is~ued 10 you Irom Ihoft, ilnd kOlJpmg your PIN separate Irom youl Card If you dlscovm or sUllpecl that
your Card, PIN, or any ullused checks are 1031 or stolen, 01 that Ihoro mily be an u!l;'1ulMllzod tranS<lc!lon on your AccolJnt you WIU promptly nOlify us by cnlllng 1.800.933.1221 So we can
ImmedIately act 10 IImlllos'les and liability, you Will phoflo 1I'J eVen lhough you m"y also notl~' us In wrllmg \'our liability tOI unaulhoflzed use occurring beforE' you nolif./ us IS limited to 550 If you
report or W,j su~pcct unau!horlzed uso bf your Account, we m"y 'Jusper\d your credl1 pllvllogos unlll wo resolvt.llrlo proolem to our satlsfachon cr iSSUO you" new Card If your Card IS lost or
slolen, you Will rromptly deslroy all chOCkS In your poSSUSSIOIl r 0 improve cU<Jlomer service ancj socurlP/, you agree that your calls m2lY be monllowd or fecordtJd
Merchilnt Relatlont, We Will not be Iiilble:f any person or AlJtomated T ellor MachlM IOfllses 10 honor the Card or accept your checks, or lalls to return the Card to YOII We have no responSibility
for goods and seNlces purChased with tho Card Of chocks except as reqlllled by IdlY (Sel) SpeCial Rulo bolow) Certam benefits that are avallablo with the Account ale provided by third-party
Vflf100IS We me not re~ponslble for the qlJallty, tlVmlabtlily, or rosulls of any 01 the services you choose 10 USE! ~
Slop Payment Orders. If you wl'Jh to Slep payment on a check, you m,1Y send us a slop paymenl QrCkli b', wrrhng to U'J at Ollr addless for customer sorvlce tlsled on your statemenl You c
make it Slop paymont ordor orally by calling (ho ntln100r Itsled on your stalement When you make a stop paymenl order, you must pr.QVIOO your Account number and speCifiC Informallcn abo~
check Ihe exacl amount, lhe date on !tle Check, the fldme of tho party to whom It was pClyaolo the namo of lhe person wlro !.Ignod II and Ihe chtlck IllImbf!r, YOt) Will be asked 10 confIrm an 0
stop paymenl order In wrlling WUnilY~llLQ...Y.Q.YL9(S1i.QWQul.we QQ.oill..focelve a ~!!lf1..N.t!!llmn.Q r lillJ.9.f1~Q._W~k I I r, or if we have nol recolved an adequale
description of the 110m so lha! paymenl can be st~d The order Wilfnol be olfcctrvei1 the C~W<13 a y us befolo wo had a ~o able rtunlly to acl on the oroor We may, without
liability, dIsregard a wollen slop payment orOOI SiX months a/lur receipt unless illS renewed In~
Standard 0' Cilra, Bocause thiS Account Involves ooth credit cMd and check transactions which are proces thlOugh separate n 10nl:\I systems before Ihe transactions are consolidated by us,
and because not evoiy chock and Card slip Will be sent to us, Iransachons In your Ar.count will be proces~ed mechanically Without ou necessarily reviewing e'lory Ilem Our processing syslem will
call our altenllon to cOl1311\ II{lms which we Will eX<lmlne We will e:<amllle alllrilnsacllons wheiou/CJ*U.hat your Carel or checks cen lost or stolen We 00 not Inland ordmarlly 10
Ollaml(lO aU Ilems, and We Will not be neg!lgent If we do nol do so rhls rule llstabhshes the st 001 nary cara which wa In 9 III axerCI5e In admlnlstonng your Accounl. Because
01 our !lmlted reView, and because neither yOUl cancolled checks nor Card IransacllOl1 slips wlI etu~ YOll With Ihe monlhly st e, you stlould Qf) careful 10 anler all checks In your
check legis tar at olh6lWIS03 kl'6p a record of !hom 'fou should also save your credit card cas all~ purchas!J slips XQJLil. 1 0 eck..:l2!Jl!JJ.Q!llb1'L'ililli!IT!.!1!111Jssl!!l~lyour record and
lQ..nQb&J.tiJmLn~OCQLlIDYJlllilliJhmli:w.tlansactlons 01.fJ1IQli. ........ .... r
W.lver 0' Certain RIQhts, We mllY delay or waive enforcement of ilny p/ovlsion of tt1l3/\greilmllSlt wti~ lOSing our II t to or r any other prOlJlSIOn lifter Yqiiwalvl}.--~e light 10
presenlment, demand, protesl, or notice of dishonor, any appllcilble stalule of Itmltallons, and ~Ight ~laY have to , . eed agarnst al1yon~ betore ~Hlle ~UlI against you
Appllcilble Law: SeverablUty: Aulgnmanl. No matter whore you live, thiS ^~lrp,ement ilnd ~CCOUIir5i'''.l govorned by federalli\w a~d by New Hamp$hire law Thlf,A9reenl.~t IS. a final
expression of Ihe agrlffimenl between you and us and may no! be contradlcled by eVidence o~ "lleged ol"al agrefJment If any prOIJISIOn of thiS Agreemenlls' held to be InvilldQr ~~enforceable,
you and we Wilt COll:Jloor Iha. t prOVISion modiFied to conform 10applu;,ablE! law, and the rest of Hie provIslollSlfllho Agre1enl 'NIII stIli e enlorceable AI anYI..'m . all".~' delerm In.;. /fJ good 'allh
thtll any ploposed or enacted l{lglsIAlion, regulalory aclion, or ludlClill deCISion has rend-ared or muy rendel any ~11 rOVISlons reemenllnvahd olllnenforqeable, or lm~a any
Increased lax, reporhng reqUllement. or olher burden In conncctron Wllh any such prOVISion or Its enforCemenl,!, ft!lr at least ays (,tlce 10 you, Of Wllhout notice If pehp~~j by law,
cancollhe Card and yOUf Credit priVileges We may lIansfer 1)( assign our light to all or some of your paymenls few r~9 IOU re::olve nollceof such an event 10 prol'Nt Ihe
purchaslilr or assignee, we may gIVe you such nOllce by filing 11 fInanCing slalement with tho stalt\'s Secrelary of ~~} -'. ; I_I.;
Notices, Dthar nohces 10 you shall be effeclrJe when deposlled In Iho mall addrc~sed to you .11 tho a(.k!ress show 0 r recold~, unl~ longer nO!lc~period 13 s~fled In l~~r.~greement or
by law, which period shaH starl upon malllllg NollcO 10 liS shall 00 mailed to our address for customer sorvlce on your stalemenl (or olh~resses wo may $p6Clfy) end shall bt effechve when
we receive II _ '; :.,J ~lj
YOUR PILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE, TIllS nolice COnl{llns Important Inlormatlon aboul your lights and our responsibilities Ulider Ihe ~an ClectrQlillng Acl
Notify Us In C,.5e of Errors or Que.ttlons About Your B/II, If you Ihlnk your bill IS wrong, or If you need more Inforrnatlon aooul any transaction on your bill, wflle us, on a separala sheel, al our
addre.'ls for customer service !lslOO on your bllt WrIte to \IS as soon as poSSible We musl henr flOm you 1'0 latellhan 60 days after wo sent you tho first bill on whlcllthe error or plOblem
3ppearoo You can lelephone us but doing so Will not presorve your flghls In YOllr lellel, giVe us Ihe follOWIng Informatron .. YOlH name and Accounl number .. The oollar amount of the
suspecled error .. Oescflbe the error and explain, If you can why you beheve Ihero IS an orror If you need more Information, desc(lb~ the Item you are no! Sllre about
Your Rights ,nd OurRe~ponslblJ/t/~.t After We Recelvl! Your Wrlttfm Notice, We mllst acknowledge your laHer wlthlll 30 days, unless we have COHee led the Of/or by Ihen Wlthlfl90 days,
we must ellher corrocl the error or explain why we believe the bill was corloc! After we rec!JIve YOllr lellec we cannot try 10 collecl any amounl YOll question, or loparl you as delinquent We can
continue to bill YOll for the amount you quesllon, Includlllg (lnance charges, and wo can a~ply any unpaid amounl against your credltlllle You do no! have to pay any que9honed amount whIle we
are nweshgaling, bUI you are stili obligated to pay the parts of your blll!hal <Ire not In question
If we find that we maoo a mlslake on your b!lI, you Will nof havo to pay an', finance chillge relaled to any que'llloned amount II we dldn'l make a nllstaka, yc.,u may havo!o pay firlancechargos,
and you Will have 10 makA up the missed paymenls on Ihe queslioned amoUnt In either case, we Will send you a statemenl of th<;t amount YOll owe 811d the dale Ihat It IS due If you /alllo pay Ihe
amount we Ihlnk you owe, wo may report YOll as dellllqlJOl\t However, If our o;,planall0n does not sall'Jfy you and you wrlle 10 us wlttun 10 days lelllng us that YllU sllll raf\J~o to pay, w,~ r~usl lell
anyone we report you to Ihat you question your bill And, we r.1IlS! loll you the flame of anyone 'he leporled you to We musl tell anyone we report you to that the mattor has neen 3<J1I,;Kj DtJt,veen
US when II finally IS If we don'tlollow IhElse Ivies, we can't collecl tile firsl $50 of the queslionec! amounl, ovon If your bill was COllect
Spfc/,1 Rule fOI Credit Card Purch8Je5. If you have a problem With the qualIty of Ihe propcr~1 or sorvlCSS Ihal you purchased With ow credll card anl1 you have IlIed In good faith to correcllh4t
problem wllh the me/chant, you may not have 10 pay fhe rerllainlllg amolJnt \lue on Ihe 9C'0d'J. or 'Jel\lICes There aro two Ilmltallons on thiS rlghl (a) you must have made the purchase In your
home slale, or If not wllhln your home slalo, Wllhln 100 miles iJf your curren I mailing address and (0) Ih€l purchase price must haw: been mor~ Ihan $50 These Itmllall(lIls do nol apply It we own
or operate the merChant. or If we mailed you tht\! acNertlsement f(if !ho property or servlcos
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