HomeMy WebLinkAbout99-01959
COMPLAINT
1. Plaintiff is a National Banking Association located in Tilton, New Hampshire.
As of January I, 1998, Providian National Bank was merged into First IJeposit National
Bank, and the resulting entity took the name Providian National Bank." The account that
is the subject of this lawsuit may have been either a First Deposit National Bank account or
a Providian National Bank account prior to the merger, but is now an account of the new"
Providian National Bank, which is the plaintiff herein.
2. Defendant is an individual whose address is 43 Columbia Road, Enola, Cumberland
County, PA 17025.
3. At a specific instance, the Defendant applied for and was granted credit by
the Plaintiff at the terms and conditions agreed upon by the parties, as is more specifically
shown by the Account Application and Agreement, true and correct copies of which are
attached hereto, marked Exhibit A" and made a part hereof.
4. Defendant made purchases and/or received cash advances using said credit.
5. Plaintiff avers that the terms of the Agreement provide for acceleration of the
entire balance due and owing upon Defendant's breach of the Agreement.
6. Thereafter, in breach of obligations under the Agreement, the Defendant failed
to make payments as they became due.
7. Plaintiff avers that the balance due amounts to $4,432.24.
8. Plaintiff avers that interest has accrued at the rate of 15.90% per annum on
the balance due from November 4, 1998.
9. Per the terms of the agreement, the Defendant has agreed to pay to the
Plaintiff as liquidated damages, the costs of collection, including all reasonable attorneys'
fees incurred in the collection of monies owing.
10. PlainlifF avel'1llhal pursuant to Plaintiff's agreemenl wilh Plaintiff's allorneys,
Plaintiff's altorneys are to receive altorneys' Cees oC 33 1/3% oC lhe debt due.
II. PlainlifF believes, and therefore avers, lhat said aUorneys' Cees rate is jusl
and reasonable compensalion Cor the services rendered by said aUorneys.
I? Although repeatedly requt!llled to do so by Plaintiff, DeCendant haa willfully
Cailed and reCused to pay the amount due Plaintiff or any parllhercoC.
WHEREFORE, Plainliff demands Judgmenl againsl DeCendanl in the amounl
oC $4,432.24 with appropriate addilional inlerest, aUorneys' Cees and cosls.
APPLE AND APPLE, P.C.
4
~PROVIDIAN
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lIMdoN, lot P8l'sONt fllmry. 'nu~~"OIrl .tna(.harll~)lp [Ajll.J',~ ,trod rtf.I'v ....,Y t.ou~I'~~ 0' CCX"ltnerClo1lporpcr;t! AI1Y U';U 'If 't'1 ACCWrlt sra,1 t:OI'!\IlIll!ft acceplan~oj Ihl''''msnlthrs
Aor~l You and we 891M as 'o:lcT*,
p,yments. You '* .'eeol'll'! It mGnlhiy stalement ';t\Qw10lJ '{~j' f'lul',I,lII(Jrq lod~l'KlJ Paymcr'l 00 1M AccoUl': l:i 1l'(~.lHOO In 1I;; ..DUal!. {'he'l:kS m14~! he oay3C1e ala U 5 offco 01 lt10 tlI"k !he
r.hor.k l';, a;twn .:>O)'Of alltla'llltltl pilymMr ttlJe ,15 :;hown 1m VOW .1"lnMenl tl'{ Iht. P,lyrrlcnl ,1ue :11'1' ,n actOlWl'lC.e wllh p.:lyml!fll J'l,;UUC!loll:i on '{l')tJ1 monlNy ~taremenl Con't'enlOOCe cnet'"
.l'Idotl*, c'lOC1l3 we ,'';00 to you may 110100 ~(l(1!o mak,. PolylnPl'1!:; 0" VWf Acounl 01 to maM! P<ly1Wllh en any olher accounlYC'>l1 neve wllh IjS IX W d"lIlC1tes 11'\e~menl OJOWlIbe 2\
01 the "IN' DaJanco snown on yOIl' 'Jta'em~"t (01' ; l% IF ,)0 AnnuJJ Pt'f(:pnl;'ll' i{;l'e olJflht'1lo 'lOll' Accounl!'} htqho, lhan 21 ~l pIlA t>-oo amounl Ulllll'f pasl d;o paym~m pl;,,-, 'he "ITIIllJnl t1t
wndl t:'lU rlQ''''' oalan.c:a o~cOO\t; yCit.I cl~1 I'flt! ~VwtfY'" ""'~<tymr.'" ,Junw'l nCllbfo lc-Jo; IT1;]n $1~ lunJe5':i yom new baranco ~~:l TF'lan S1!) In 'lifucn c;r..e the payment OJeWIU btJ ItM amounl
01 The ~ OOlanCe) Jf your AccountlS pasl t.Mo Of OOcNp the lIN11,ne wt! mat letJ,ll,e a I1rgflt'l mm.rnun paymenl. but we will natty you Lefore l.XlIng so II YWI paymenllS mOle lhan lhe
PflYnetll due II WIU 00 Irolled as a SlnglC OftYmenl aOd none at '1 ""11 be ~ 10 fu!uro payments ~ We may acCepllalo or pallldl p41ymenls, 01 paymtrllS rmmed Oped In furr or marked WIIh
OChef 'Mtnebons. Wllhoul ~1I'lg our t19~t 10 collect all amounls ow,tlQ Uf'ltil!f tM Ag,eemenl
CttcIIt Rmew: SpecIJI Requlr.ment In OldOlto iteep you, Accounl". ~ sl3Mng y().J Jglto nol :0 SlIJnlflt.anlly Incte<ne lhe amounl of yotJl' :Olal 00b1 on unseculed revotvltllJ accounts W.
w. 'fYleW yOU1' ACCOl.;nl and Cledlt orohle regularly 10 evaluate t"e arrc.unl yt.u owe rela!l\Ie to the amount ot yoot lhen cUffenllOCOl'ne tWe conslde, 50 ItlCfeaSe 'n debl of more Ihan S2,CXXlIO be
s.gn~flCMl, unlesS you have sufflC1entlncome) lI..e dele'mlne t1a1 y04Jt AccOt,nllS nolln good stanQng, you, ANNUAL PERCENTAGE RATES (APR) lor purchases CUS\OlT\ cash arrj cash
lOIat'1C8S may be Increased
Flnanct Charges. Excepl as described In Ihe Grace Period for Purchun 5ectl()l'l of thIS Agreerrent. ftra~e ch,1rges begin 10 xcrue on a dID! when II rs Included In one 01 your dady balances
and conll1lue unlJllhBl balance JS leducedDy a payme'l! or cteal Yoor Accot.'M has ~hree balances the Purchase BaIJ1[\!~!1 wtllcn cOMf',Ifs of purcflase$ you make wllh your Card and fees for
certaIn ~11Ona1 servICes, lhe l&ilom Cash AcNnnce Bala~. whICh c~"ts 01 batanc~ lhat you tramler 10 your Account USlnq balance tmnsfer checkS and balancl!1 that tlt'8transfftl' lot you.
and the ash A~Bnce Balance whICh conSISts 01 all olner cash ad.'ances Arry payment amounl we receive thai exceeds Itlo 'mance charges and fees then die will ordlnal'1ly be applied fIBllo
!he Balance With lhe Iowoesl Annual PefCentage Rate (APRl. unl:! that Balance IS lero. and then 10 t~e Balance with t~e nexllowest AP~. untlllhat 8a!atIC& IS zero, and then 10 arry remanf1g
Balarct We reserve the I'1ghl to appty paymenls dlffcrenlly wlthoutlunher notICe The Purchase Cuslom Cash Advance, ancl Cash A(tta1lCe Balances a'e t&Weed by paymenls as 01 the date
recetVe<2,.nd t:1; cteals (except for reversals 01 lale, over.l.mll. and mrsce'laneous charges) as of tile clale posled Purchases are InclUded In yoor Purchase Balance as or the date made CUSlom
cash ao:;..ances are Included In your Cuslom Cash Advance Balance as foleNs 'lJn~ eleclromcal/y transmllled 10 other lenderS 10 tra~Ier balances as 01 the date Itansmll!ed. checks 10 lnInsfer
balance$ as of the date plesenled 10 us. Otner cash advances are .ncluded In yClJr Cash Act.rance Balance as follows cash a<t{ances from olher fltlanClal :nstltullom and through Automaled
Tellers. as ollhe dale made, cash adJance check:s made payable to you thaI are ldenllfloo as cashier's checks and maIled 10 you al yoor request as of seven dJys after lhe dale we pllnl on the
check al other checks, as oltha dale presented to us Other debls (excepllor tale. over-limIt. finance and mIScellaneous Charges) are Included In your Purchase. Cuslom Cash Advance, 01
Cash AMoce Balance as 01 the date posled Flnar>ee charges are added 10 your PuIChase. Custom Cash Advance, and Cash Advance Balarces each day and ale Ihen posledon the Iasl 00y 01
the bdbng cycle There IS no g,ace pe"od fOf custom cash 2OIanc~ ~ other cash ac;..ances
To rrgure the dally finance charge for eacn type of Balance. we sian WIth your prevIOUS day's Balance, add all debits and sltltracl all credlts for lhe curlent ooy and mull.Qly the nel amount by !he
awhcable daily porlQQc rale (see follOWing palagraphs) The finance Charge lor each type 01 Balance '5 then added 10 and Included In thaI day's Balance We Ireat a credt balance for any day as
lero We determIne the tolal finance charges on balances for lOe bllilng cycle rJ.j aaing logelher lfle finance charges for each Iype 01 Balance for eoc.1 day Wllh,n t/'le bllhng cycle In calculating
finance charges, an adJuslmenl Will be made for any transacllon or paymenl U1at would nave affected the finance Charge calcu!atlen in a pl"10l' bdhng cycle hac.1 been posted In that cytle The
apohcable dally perIOdIc tate fot such a transacllon Will be the rale In effect lor tl'lC currenl brlling cycle rather than the rale In effect on the date of the lrarnaclion
Your statemenllncludes an average dally batance for ea<.h type 016alance Yeu can mulllply eacn average dal:y balarlce Ihat IS OOllero by the number 01 dayS 'n the billing cycle and Ihepenoac
rale 10 obtain slbtotals, and lhen add lhe subtotals together to determine your lotal fInance Charges on balances for the billing cycle If a cash adJance IranS3cbon fee tS charged. thai amounlls
also a finance charge
The term oPnmc Rale- as used In the Agreement means Ihe hlghesl pllme rate plJbl"hed In the Wall Street JOIxnal on the first bUSiness day of Ihe previous calendar month Affj II'lCr08Se or
decrease In Ihe Annual Percentage Rate will taKe effeet on the filSl day of your Ollllng cycle and may resUII,n a slighl Increase Of decrease In the amounl of your minimum payment
The ANNUAL PERCENTAGE RATE (APR) for purchases Will vary and may be adjusled each billing cycle up to 7 4% above PTlme Rale, bul will In no event be less than 15 9% USlllg!h1s
formula, the APR for purchases In the December 1998 blUing cycle IS 159%, corresponding 10 a dally penodlc rate of 0 04356%
You can arrange 10 have a vanable APR for custom cash advances !hatlS lower than the average non-Introductoty APR you have been payIng on the fotal balances you have transferred from
other ctedl card, relall, and Installmenl accounts provided your olher accounts were open In Decemcer 1998 In calculallng thIS APR we Will take Into accounllhe APRs on lhe credt accounl
balances you have transferred flom Olher lenders. ThiS APR IS aval!able only If you provide proof, In the lorm of Copies 01 your mosl recent billing statemenls. shOWing your other non-mtrodUctory
APRs Your new APR WIll take effect In lhe billing cycle follOWing our review of your proof, but not earlier than the end of your Introductory period tfwe do nol receive such proof your APR for
custom cash advances WIll be as follows: The ANNUAL PERCENTAGE RATE for custom cash amances IS 21 9%, correspondmg 10 a dally penodlc rate of O.Q6COO%
The ANNUAL PERCENTAGE RATE for cash advances IS 219%. corresponding to a dally penodc rate 0'0 06C00%
If you do not comply WIth the lerms of Ihls Agreement your ANNUAL PERCENTAGE RATE for purchases Will be 189%, corresponding to a dally periodiC rale of 005178%; and Ihe APR for cash
advances and custom cash amances Will be 23.9%, correspondtng to a dally perlOCllc rate of 0 00548% Your Account may be eflglble fOf lhe tower regular APRs after you have metlhe terms 01
thrs Agreement for three months II you contact us we WIll review your Accounllo determine your euglbl!lty for Ihe lower APRs
Grace Period for Purchases. New purchases posted to your Account In billing cycles With no previous balance, Of when the previous balance was fully paid dunng the cycle, OJ not begin 10 incur
a finance charge untlllhe start of the next billing cycle You Will pay no finance charge on such new purchases If YOIJ pay the lotal new balance In full by the payment due <.tile Show,n on your
statemenl New purchases posted In any other billing cycle Incur a finance Charge, and there IS 00 penod In which such purchases may be repaid Wllhoutlncumng a finance charge
Fees. We Will charge your Account up to $29 lor: each r.~rr1 you ask us to replace. each returned payment check; each check you wnte on your Account thai we return unpaId; each Slop paymenl
order Of lenewal of such an order, each bllllng cycle wlthm whICh your Account IS delinquent (Iale charge), and each billing cycle WithIn whICh yoU! ba!ance exceeds your credit line, even If your
Account 15 closed. If you raquesl COpies ofblUmg statements lhat were first sent to you more than three months earlier, we may charge a handling fee of 52 for each such cOfYf A cash a(Mlnce
fee of 3% (minimum $5) may be charged for each cash advance Iransactlon made on your Account
DefaulL You will be In defaull: If any Informallon you proVided us proves to be Incomplele or untrue. If you do nol comply With any part of thiS Agreement. upon your death, bankruplcy, or
insolvency, If you do nol pay olher debls when due; If a bankruptcy petillon IS filed by or agal"sl you, ollfwe believe In good faIth thaI you may not pay or perform yourobligallons under this
Agreement If you are In default we may, WIthout further demand or nollce, cancel your credit prIVileges, declare your Accounl balance Immediately due and payable, and use any remcd)' we may
have. In the event 01 your default. lhe outslandlng balance on your Accounl shall conllnue 10 accrue Interest at the AP~(s) disclosed In lhe Finance Charges seeMn of thIS Agreemenl, even II
we have filed SUlttl? coUectlhe amount you owe
Credit Line. YourCledit line IS specified from tIme to lime m a separale notice We may Increase or decrease yOUl credllllne based on mformahon we otllalned from you or your credit records
Your available Cledit IS normally the dtfference between your credit line and your Account balance (mcludlng transactions made or aulhonzed bul nol yet posted) If you send us a large paymenl
check, we may limit your available credll while we confirm that lhecheck Will clear For cenaln transacllons, avadable credir may be less You Will not use your Accounl for. and we may refuse to
honor, any lransacllon which would cause you 10 exceed your avallab~ credit
Promise to Pay. You promise to pay us when due all amounl:; borrowed when you or someone else use your Account (even If the amount charged exceeds your permiSSion), all other
Iransacllons and charges 10 your Accounl. and collection costs we IOcur Induomg, bul not limited to, reasonable al1orney's fees and court costs Ilfyou wm the SUit. we Will pay your reasonable
allorney's fees and court costs)
Changes. After we provide you any notice reqUired by law. we may change any part of thiS Agreement and a~ or remove requllemenls If a change IS made to the Finance Charges section 01
lhrs Agreement Ihe new finance charge calculatIon Will apply 10 your enh'e Account oalance from the effecllve dale of the change Changes Will apply 10 balances lhat Include Items oosled to ~
Accounl before the dale of the chance, and will apply wnether or nOI you conllnue to use the Accoi;nt
Foreign ExchangeJCurrency Conversion. If you use your Card for transacllons In a currency olher lhan U S dollars, the transactions Will be converted to U S dollars, generally usmg either a (i)
government-mandaled rale or (Ii) wholesale market rate In ellecllhe day cefore the Iransactlon precessing date, Increased by five pelcent (5%) If a credit IS subsequently given for a transaction. II
Will be decreased by the same percentage If the credll has a dtfferent plocessmg date then the exc.1ange rale of the credll can be greaterlless than that of :he ongmal transacllon The currency
conversion rate on lhe day before the transaction processing date may differ frem the rale It) effect 2t :he "me of lhe transacllon or on lne dale :he transacllon IS poSled on your Accounl You
agree 10 accept the converted amount in U S dollars
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I4II)JCII1 '(W *'" ptovdt us "'llOt\,tt 1W1"rx:.Ut "'luonal.on W. 'tt"..t'tVf' I'.., 19'" ~r, oolol'/'I "''<.4'''al+OO 'rom <llr>t'f':. .ltJlJdng trf:dl If!OOtllOlJ ~11!1 .nd 10 pt'(NOt 'fOA- mll11 Wflfon",1Ion
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Cvtloffttf lIMe.; Unauthorized u... Lon, 01 Theft or Chtcu 0' Iht Cltd. : xtl Cd'lJ rt'vsl lotl !;.Qr...'d ')" rt!(n'P~ VOy ate rl.'""..por"'.;tJ(! ffJf ..aleQullli'nq lfwo C.tt:l "(CJU P.monaItdentlfcallOtl
~ (""'N' 'Nt'<h DfWldM ~..a 10 Al.I1M\51ed I. MAc~J ~ 31roy CheCk: 1:i!:ue1lo voo hYTl lhf~" .ll'd ~tl'Pt~ you' Pttl ~t'PJIale frunl '(OIJf C'ld II you ()sCCNef ~ ~uwecl hI
ywr C"d PIN 01 .tiny $lused c~k~ .,.10':;1 Of ~IoiCM Of ~Ml 1~t' tnlJy tie an unaul/1Qt IN lran::aCllOO on YOl..r AceQ,Jf\1 yoo will Pl'omPttv nolfy "" Oy ca~1t'CJ t.aoo.m722t !Xl we can
lfMI~feIy ac.l 10 "''''Ill IO!;-at anollibl1y fW w,<1 pf'or\d:n ~f't't ~~" ','01,. tf'.ifY also "OI,~ us ,n WIlIrf1lJ 'fOUl :.atHllly 101 unaulhofIZedu:.oe::UI1fltJtl6IOfeyou l'(It<fy """ Ilm'IedloS50 l'you
rtIp:)I1 01" ,.,.-<<1 ~11ed uV';I '(O'Jf Actoun! *' m.ty ,;~prna YQ(J1 cred,! pt"MIt.'Q~ u"M W~ r~Olye 'he DlOOIem 10 ou' ~alt5lacloo 01' '1we yOlt., new Cwlj II your Card IS lost Of
StoItn yo..; w. Pfomr>&i !Je':ltfOy lIII cfleck, In '~OlJr po1:~~I[)" 10 IlJ'PIOVC ClJ!:Iomer ~etv'(e aN] ~t.'cUI'ty yOy aqree lhal your calfs may bll mOOllOled I'JI ff'COIoed
Mlrth_", R."donl, W. WI~ nol tilt ~iIUtIl' any pcf~:tl 01 Aulnm4'l"IJ r ellflor Macl'lIM Wlu';;0S!0 hoo<;f the Cd'd Ol acceot '~OUI Cf19C~S Of lilil' to felurn 'he Cara 10 voo Wtl havu no Ie5P01l,tlIbly
IOf ~ Ind ~"YlCn pulChlned wtn Ihtl Card 01 cr-<<ks t'.f.ll'l .n f~fM by 1<1* (SLoe SPl.'clal Rule btHM') Cet!aln bef"oflls :hal ilfe iNadable wIth 1M Accounl"e p"ov~t't ftwd peTty
~ We;l; rd ~c-..;x:n;;tllo tCJ 1'.0: ~.tv. J~a.:.-JC.~ly \.If ltn.~ih VlllflY oIltltt St.'IVIL~ YO<J c~(\' ~o 11:0
Clop PIymInt Orden. If you WISh '" Sl~ paymenl 0fI .I ct<<k you may !:eod US It sl~ paymt!r.t Older ~ wrlllng 10 us al 001 a<Xiess IOf c""'omen s<<vce Itsled on 'fOUl stalemenl You can
mak..,~ ~t OIcMf orlllY Dy ClIII'Q ItIe numbef IIsled on yw ::talem~I When you make a Slop payme'll 0Ici!t. you mUSI Pl'0II1OO YOUI Acco.lrl ~umbef and$p8ClfIC IIltamallOll about the
ctledl tie erac1 amount the dale OIl!tot Check, 'he name ol!he pllty 10 wrom II was pltyilOle, lhe name ollne person who Slgned II, and Ihe CheCk nurnbot' You wtbe asked 10 confirm an oral
'lOP PlV"'ttII OI'cIor ., ""1111'\9 We maY o,reaard 't0U'l OI'ILg!d!:!..l.'Ift~,~~ned wflllen conlnmahon wllf'lln '*0 weeks aile' ,tit OIal OIl101. Of II we have nollec.!Ved an aOequale
dncI~ rJlhe do", '0 lhaloaymerl can be'~ fheOldof.. nolbe ettecwe If the Crletk was paid by us btllot'e we had a reasonilOle ~IVllty 10 iC1 on lh&0Ide1 We may, wIlhout
1rIbIIfy, chrf9llcl'1ll'fInen sloo payment OIdef Sill monll'l$.rteI r~ ~s 111$ rcrowed lI..nllflg
Standard 01 Cart. Because II'Irs ACGounllOVONe'S both credl C3fd and Check !tansaclJOl'ls ..hlCh are plocessed ~hIOll9~ separate r\i1honal systems bef0l'8 1ne IransacllonS are com:clldl!lted by us,
WId bec:luse not ~ check and Card '1" wdl be senllo tn. 1'lflSaClOO' n your Accounl Will be processed mechanlCcllty wllhoot OUI r.ecessa.tlly ~lNlewlng f!Very Ilem Oul proceulll9 syslem will
cd OIJI .llenbonlO cerlam Items which we ...11 e..-amll'e We *~J ~Jamm~ alllransacllOnS when you report that '100r Card or checks have oeen lost Of stofen We d:J I'lolmlend OIdlnallty 10
elIITl,ne .1 ItemS, and we Will not be negllQfnllf we 00 nol 00 so This rule eslabhshes the stafld.1rd of ordinary care whiCh we In gOOd lallhwlil aJelcne In aaTllnlSlenng your Accounl BecaU!ie
of OUIllITlllod 1...,1ft and because netlhel your cancelled check, l"IOI Cald lransncllon sl.iPS Will be felurned to you With the monthly statemenl, YOlJ should be careful 10 enter all Checks In yout
cneck IDglSleI 01 olherwtse keep a rOCOfd oll"em You ,hould also save your CIOOlt card cash a(jJance and purchase SllpS You aaree 10 chef;k vour rnonthlv statements aaalml vour lecofd and
10 notify U!I rnmf!d8telv 01 anv unauthOtlled tmnsaclJons 01 erlOl'5
WaNer of c.tatn RIghts. We may delay Of wowe enforcemenl 01 any Pl'IMSIOO ollms Agre'mlenl wllhoulloslng our ngf'llto enfOlee It or ally other provlSlOI'1lalel Yoo wilIYe the "9hlto
presentment. demand. protesl, 01 nola of cbhoMt any 8flPI1CabIt ,taMe 01 limitatIOns. and arry flghl YOlJ may have 10 requIre u:; to proceed agamsl anyone berOle *e file SUit agatnsl you
AppUc:aWl Law; Sewnblllty; Altlgnment. No maner where you live. thl$ Agroomen! and '{OUr Account ate governed by federal law and by New Hampshire 'aw nus AgreemenllS a final
erprnslOl1 of !he agreement between you and tIS and may not be conltadlCted by evidence of any alleged Ofal agreement If any provlSlOIl of lhls Agreement IS "eId 10 be Invabd 01 unenforceable,
you and we.... conS1de1 thai ptOVlSIOIl modified 10 conform 10 ~1Catlle law. and the rest of Ihe crOVlSlOOS In the Agreement WIll still be enlolceable At atrIt1me after we determine In good fallh
that."f ptcposea 01 enacted legISlatIOn. legulaloly achon. 01 /UdlCral dcClslO/l has rendered or may lender any malenal prOVISIOns 01 thiS Agreemenllovahd or UMnfurceable, Of Impose any
mused tax, rl.!pOrtJng r~lemen' 01 oltler burden In connection With any such prOV1S1OIl Of Its enfolcement we may, after at leastJO days nobce 10 you, 01 Wllhoul oollce If pelmrtled by law,
c:ancellhe Card and YOlJl' Cledl prMleges We may transler 01 assIQn our nghtlo all or some of your payments If sta:e law rCQIJlres that yoo receIVe notICe 01 such an event to prolecllhe
p.,rchcer or assignee we may gIVe you such notICe by fl~ng II financing slatement wrlh the sl.lte'$ Secretary of Slate
Notten. 0trIer nollCeS 10 you shall be eltectJve ..hen deposlled In lhe mall aQ:jfessed to you al the address shown on our records, unless a longer nollCe perIOd IS speclfied In thIS AQreement Of
by law, whlch pet'1Qd sha;1 start upon maJhng NotICe 10 us shall be ma,1ed 10 our adaess for cuslomer seNlce on your slalement (or other a(rl-esses we may specIfy) and shall be effectIVe when
we receNe II
YOUR BIWNG RJGHTS - KEEP THIS NOTICE FOR MURE USE. ThIS notICe conlains Importanl mformatlOn aboul your nghts and OlJr responstllllllCS under the Farr Credit Billing Act.
Notify U, In Cue of E"oft or QIlUUOM About YOllr SIll. 11'fOO think your blllrs wrong. 01 If YOll need more Informalion aboul any fransacllon on your bdl, wtrle us, on a separate sheet, at OlIr
actiess lot cuslomer selVlCe listed OIl your bill Wnle 10 us as soon a'5 possible We must hear from you ('10 later Ihan 60 days after we sent you lhe first bell on whICh the error or prctllem
aweared YOll can leleptlcne us, bul (bng so Will not presellle yoor fights In your let:er, gIVe us Ihe foflcNTng Il'llormabon. - YOUI name ardAccounl number _ The dollar amounl of the
SU!p8Cted error - Oescrbe lhe errOl' and explain, ,fyou can why you believe there IS an error l'you need more Informallon, descnbe lhe Ilem you are nol sure aboot.
Your RIghts _d Our RUpollllbllltlQ Aftel We RtctIve YOllr Written NoUct. We must acknowledge your leller wllhln 30 days. unless we have correcled the enor by lhen . Within 90 cbys,
we must either correct the errOl' or explaJn why we believe lhe bill was correcl After we recerve your leller, we cannotlry to collect arr.j amollnt yoll queslJon, or reporlyou as delmquent We can
conhnue 10 b1Uyou for lhe amount yoo ~llon. Including finance charges, and we can apply any unpaid amount against YOUt creal line Yeu do not have 10 pay arryqJestloned amount while we
are Inve5IJg.1tlll9, but you are sllll obhgaled 10 pay Ihe parts of 'fOOr bdllhal are nolln queshon
I'we find that we made a mlSlake on your bIll, you will not have to pay any finance charge relaled 10 any questioned amount If we didn'l make a mIStake, you may have 10 pay finance charges,
and you Will have to make up ttle missed paymenls on lhe queshOfled amoont In either case. we Will send you a s:alement of lhe amounl you aNeand the dale thai II IS dJe, If you fall to pay the
amOlJnt we lhlllk you aNe, we may report you as dehnquent However If our explanalicn does not sallsfy you and you wnle to us wllhlO 10 days felhng us lhat you sill tefuse 10 pay. we must teU
anyOI1e we teport you 10 that you quesllon yOlJr bill And. we muslleH YOll the name of anyone we reported you 10 We must lell anyone we reperl you 10 lhalthe ma"er has been settled between
us when It ftrrally IS Ifwe cbl't follow lhese rules, we can'l coflecllhe first $.10 of lhe quesllonea amount, even lfyoor bIll was correcl
Sped. Rule (or Credit Card Purchases. If YOll have a proolem wrth tne Quahty of the properly 01 SCNICes tnal you purchased wllh our credll card and yOlJ have tfled In good faJlh 10 correclthe
problem wllh the merchant, you may not have to PC1f Ihe remalnmg amounl due on the goods or seNlces Thele are two IImllallons on thIS nghl (a) you musl have made the purchase In your
home slate, or If not Wllhln your home slale, Within 100 miles of you I cunenl malhng adctess; and (b) lhe purchase pnce must have been mOle lhan 550 These hmllatlOns do nol awry If we own
01 operale the merchant, or If we mailed you Ine ad.rertlsemenl for the property or seNlces
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