HomeMy WebLinkAbout99-02618
Prcvldlan National Bank VISA@orMaslcrCard@Accounl
Account Agreement for Philip J Mattnck
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Plea$e review this document and keep It with your other Impottant papels ThiS Acccunt Agreement conlams Ir,e lerms which gavt!rn your k'VI\.i''l1l d 1('/lil I',lll~ "I<, 'I, ,",11'1" ,wI ,"1 (. III'!
(the 'Accounr) The Account allows you to make purchases by uSing your VISA or MaslerCard card (lhe "Card") wherever 111: honOled anti k 'l\'1 (.1:,h :l't..:lrt(,~:, 11"ln ',i,1 ,v,y ; If "t i .1I!"l .'It'r'.;
flr.anclalln~lltuliOn and from Aulomated Teller Machrnes Convenience ch.acks may also be provided to you a5 an additional way to use the 1<,C':::I,r:1 III till:, '\'/11"'111"1'1 '" 1. ~!,,! r"'!J' "'('.l!!
each person for whom we have opened a credit card Account "We," "our," .ours." and 'us. mean Provldlan NallOnal Bank 0r lIS a5::;lqnee:; ;'IS 115\o:"j i,n Y'7'WI,'ll.r"J ',I,th''''''',! 11", AI >"I'JlITllIi h.
used only for personal, family household, and charitable purposes, and not for any bUSiness or commerCial purpose Any U'3€ 01 lhl:; t.CCCI;nt :,r,,)ilt:'Jl1:,!lll1lp ;1'11'1 !.11l! I': I !Il> 'I'!".','. "1'1",,
Agreement You and we agree as follows
Payments, You will receive a monthly statement shOWing your outstanding balance Payment on thiS Account IS reqUired In U S dollar: (C!h~(~,: rrllJ':.II'I' r'..t',.\t,Io' :11 "I U:, 'l,., ..IIi'I' I :IN Hi.'
check I~ drawn on) for at least the payment due as shown on your statement by the paymenl due date rn accordance With paymenllno;truclione; 0n yOu I rrlo)rl1!lIy ~l;lh"rl,.."1 (",.'llvl'l"I'!\i'l",: 1'''1 ~ ~
and other checks we Issue to you may not be used to make pa~'ments on your Account or 10 make payments on any olher accounl you hJ~'\~ wll!II;:, or ('ur :,tfllql,>:; 11"'.!,;l,IT'I,nl ,1'll' t,L1lt", ;>~~
of the new balance shown on your statement (or 22% If an Annual Percenlage Rate applied to your Account IS higher Ihan 21 9%) plue; the Jm'JIJr,1 GI illl~' f'.I',I.hl" ("1'1'''''>01 ,'111:, I)'.. ,\ll",L,!lIll'y
which the new balance e)(ceeds your credit line However, the payment due will not be less than $15 (unless your new balance I'Z le~:' lharl S'S 'rl Mll\:h 1:,'1',." n.., 1',:I~ll",,<1 ,I"" ''\1111,1' II", .111\'il/l,[
of the new balance) If your Accounlls past due or :::bove the cledltlme. we may reqUire a higher minimum payment but we will nOllfy you bl~IGf(' 'Y'lng ~,,) I' ,','uI :';1',1111'1'1,'. ")"11' 'f',"11' n'I'
payment due. II Will be treated as a Single payment and none of It Will be appliea 10 future paymenls due We may acceptlale or parlial paYrll\'nlo; I~r P;I';rlI"III': ll\,11~,"1.1 ,1"1,1\ '1/11' ,'I !",!'lol'.,'....ltll
other restrrchons, Without lOSing our rrght to collect all amounls OWing under thiS Agreement
Credit Review: Speclal Requirement. In order to keep your Account In good standing, you agree nollo slgnllicanlly mcrBa:;e tt1e amount d yO,,1 \(,I.tl..1d,1 'AI 11!i'..I"UII"~ I".."i'..l.'./ ,111', 'Iltll~ Wt'
Will review your Account and credit profile regularly 10 evaluate the amounl you owe relatrve 10 the amount of your then curlentlncornt:' (We rO"',I,!.'! :m Ifl\:II'il',,' ,'\ ,ld,I ,.01 lJle,!,' tl,il'l ~.I (il.1J 11) l~'
significant, unless ycu have suffiCient Income) If we determine that your Account IS not In good standing, your ANNUAL PERCENTAGE RATES (APR) 'f)I rol111 l\;l~.""'> I 11\1,>1" (,1:.11 ('\I\.j [,'I~11
advances may be Increased
Finance Charges. Except as descrrbed In the Grace Period for Purchases seclion of thiS Agreement, finance charges begin to Jcr.ruo on 11 :jo)t"t wlu!lll! I:; IJli,IiJ,)j',J III (11l(' (,! 1'<:1111 ,1!Idy l\,11I1nw'J
and continue until that balance IS reduced by a payment or credll Your Account has three balances the Purchase B:)lfJnC~ which con:;l~ts ill I'Ulnl,'I~\"j ,'I)II m,,~,' Wlttl i"~II! (11I(1IUl',ll"f~ 1m
cerlam optIOnal servIces, the Cus/om Cash Advance Bal,1nce, which conslsls of balances l,!ul you lransfer 10 yoUl ACCOlJnl u~mg t.JI,:mcc !1:JI)~\r .:;/,/'C~:' .JMtJ)aIllT~ :1:,11 A(llfiJn~ll'l J,;! rOti
and the Cash Advance Balance which consists of all olher cash advances Any payment amount we receive lhat exc:eed~ thl1 fln,:lnce ch;~rg(':> ,11'1,1 !('~'; tll"fl .11Il' WIIII)(,llrM!I~,' till ,'I>(IIII',1111'.;tlo
lhe Balance Wllh the lowest Annual Percentage Rate (APR), untlllhat Balance IS zero, and then to the Balance wllh the next low<,~l APR unlllltlJll1;llolllCf' I~, :l~!() ",,'1Ih~'n to ;'Il~' !l'rMlnn\~
Balance. We reserve the fight to apply payments differently Without further notice The Purchase, Cuslom Cash Advance and CJ~h Aov,m,;o:' [1JI;lII(e~ ;1rl' II,.j(j('l~j t,y 1>:1,1""111:, ,'~ 1)1 !Ill' (ltitr
received, and by credits (except fOf reversals of late, over-Ilml!. and miscellaneous charges) as of the dale posted Purchase,;; all' mclwJI'r1 m yOu! rUlch,I:,(~ !1alnfll\' J1~ Ijf till! ,j;,Ir. rr',1J(! Cu~lom
cash advances are Included In your Custom Cash Advance Balance as follow~ funds electronIcally transmll1ed to olher lenders 10Ir;t1\~fl:J b;ll:lni,\~:; ;10; {If lh,. :1'111' h.ll".IIIiIl...., t!lI'l.~~ t,) 1r,'[l~IN
balances as of the date presented to us Other cash advances are Included In your Cash Advance Balance as follows cash ~dvJnCf:'.. lwm elll('1 1,l\:HlU;lt iI\'!,111l111.)rl'; "'lilll:!l-'Ulftl /'uif,rn,1lt',j
Yellers, as of the date made, cash advance checks made payable to you lhat are Identified as cashler's checks and mailed to you Jt your Il'que:l ,1~ 'll ';r'V'!I\ ,1;1'''-~' till1'r Itll! >.v11t. \/Ir pOlll on th(l
check; all other checks, as of the date presented 10 us Other deblls (except for l<lte, over-lImll, finance, and ml~cellaneou:; cllarQe:;) :II<' lf1clu,j',,,j 111 yow P(,rc!l,I'"I' (1)'.!')!'1 r,.~,h A"",,ln(t! or
Cash Advance Balance as of the date posted Finance charges are added to your Purchase, Cuslom Cash Advance, ()nd CJ~h iVtv31lce [1,)1,111(1':; I',llh 11;IY ;lfl,j ;lll~ 111,'1\ r'0~tt'\1 ,',Illtlt~ 1(I~t '\1'( of
lhe billing cycle, There IS no grace period for custom cash advances or o:her cash advances
To figure lhe dally finance charge for each type of Balance, we :;tart With your prevIous day's Balance. add all debits and :>ubtract nil crt~dd;; 101 ,IIll' CUlfl'nlI1,''( ,1tlllmulllr,l, !tIC 1\1"1 amvurol by the
applicable dally penodlc rale (see follOWing paragraphs) The finance charge for each type of Balance IS then addE'd to and Includ\'o In tll:lr (1;t)', (1.11.111(,. W,, !Il',tl ,llW,j,I b;ll:m(l~ 101 "ny Q.1Y as
zero We determine the total finance charges on balances for the billing cycle by adding logelher !he fmance chalges for each tlT~ 01 (3,11:111('\' Je! '\ldl day ","'lltlln Hal t,dlll1';l ('V(I" If! CJI':;Jlahng
finance charges. an adjustment will be made for any transaction cr paymenllhat would Ilave affected the finance cnarge ':3Icul.1!101\ 111 J ptli,r tlilli!\q (,'CI" !i,1I1 ,I tll''''l V""\(,,, In th,lt i,'Clc 1 he
apphcable dally penodlc rate for such a transaction Will be the rate In effecHor the current billing cycle rather than lhe rale In ell,~cI0n HI"li.tll' .j! 11,\. U;tIl:;.lCtIO!1
Your slalemeri! Includes an average daily baltlnce for each Iype of Balance You Cem mulliply each average daily balance that I~ 1:01 ;'PW by II,.' l1!Hlll...'! (,f (1.t';"', In Illf' bdllll~ rITI(. aM lhe rJeriodlC
rate to obt~ln subtotals. and then add the subtotals together 10 determine your tolal fmance charges on balances for the blllini) c,cle 11.1 .;\"J:,I\ ;1,t",'HlIl' Il;m:;.ld'\rl t,." I', (rl.1rq'''J lh:1l amounlls
also a finance charg~
The ANNUAL PERCENTAGE RATE (APR) for pUlchases IS 219%. cQ[frzpondtng 10 a dally penodlc rate 010 06000%
The ANNUAL PERCENTAGE RATE for cuslom cash advances I~ 23 3%, corresponding toa dally periodiC rate of 0 ()338~%
The ANNUAL PERCENTAGE RATE for cash advance~ IS 23 3%, corresponding to a dilllyperrodlc rate of 0 OK~4%
If you do not comply wllh the terms of lhls Agreement your ANNUAL PERCENTAGE RATE for purchases Will be 23 9%, corl..'~pon,11nfl 10 il "'lllr'rll.'W~11( 1,'.11' (,I () CII~~,4h% and lh.. APR for cash
advances and custom cash advances will be 23 3%. corresponding to a dally penoellc rale of 006384% Your Account may be ,!llglt,ll" 11)! 111l' ill"".>l !('qul.lr Af'r,::, ;llt4"r y,Xi 11.1Vt! fTlt'Il!I(' l('lrn~ 01
thIS Agreement for three months If you contacl us we Will review your Account to determine your ehglblhty lor the lower APRs
Grace Period for Purchases. New purchases posted to your Account In billing cycles wllh no plevlou~ ba!ance or wht'n thl~ plt'VIOIJ':: t,;II;JT1Ct' \If:'., IIJlly p;JI(.1 ,jllllrl9 tt\(' q'ell' du n(,1 bl~qln 10 Ir.C.UI
a finance charge until the start of ttle nExt billing cycle You Will pay no finance charge on such new purcha~e:; If you pay the lotJI nt'W b.-JI,W(' In !1Ir1 by IIH' payrnl~nl ']II'~ 11J~~ ~tlown on your
statement New purcha:;es posled In any other billing cycle Incur a finance charge, and therE- 1'3 rlO period In ....,hlch suen purcr,:j~"S 1T13y I'" l"f:;l,j 1\11I'('l)t Ir1C\J!lln~ ;lfJ:~,lnrt' (.11:1!(1I'
Fees. We Will charge your Account up to S29 for each Card you ask U5 to replace ~ach leturned pavme:1t Ch('ck e3ch chl'd Y(IIJ ,,",'fl:t' '"n y(,u! ,A((I)lmt 1l1al ....... It'ltJ!n UllPillll ~J(h ~toc payment
order cr renewal of such an order. eacn bllll"9 cycle Within which your Account IS delinquent (Ia!e charge), <lna ~\~Ct1 blllin~l C,cI'~ ""IHlJn ...llIUI ,'U;! t..II,l'lI I' 1:'Cl'I":l'4 YI"J! rwdllllfW t'..r>n II YO.;f
Account IS closed If you reque'Zt copies of billing statements that were first sent 10 you more than lhree month:; I'<lrller. w!' 'fI;lY r:t\;:lf9" J 1i:1I1'~i1r"1 fl." 01 $/ 101 \':lCh '."wtl c,'>('y A c,)~h advance
fee of 3% (minimum $5) may be charged for eacn ca:;h advance transaction made on your Accounl
Default. You will be In default If any information you provldE'd us proves to be Incomplele 01 untrUl! Ii you dQ no! Wmf."ily \/11th ,WI" p.llt ,:,1 lhl~ "'JI''1'nH-'nl \Jw,n ,'\Jill .j,':,11I 1;,.HI~.IUf.i1l:~ eJr
InSOlvency: If you do not pay otller debts when due. I! a bankruptcy p€'trtlon IS tiled by or 3]3lnsl you or II.....e t;lI::'i.t'vt:' In g\~.~1lJl\:' Ih,11 ',Uii m,l'l fI'.'II"IV (11 ~'l'lh,rm V()'JI ,:,f,t..Jall(1l\~ und..-r thiS
Agreemenl If you are In delaull we may. wlthou: further demand or notice, cancel your credit pllv:legcs d(~C:i1h: )'OU! ACC"UI,1 L;ji,"1rv," 1r'"\ftil"tOj!,:I,' ,llJ" :lr1'1 r';\iiJ!,II' UrI,j U~,. ;l!)V H'f'11I~'jy' wt' may
havl:! In the event of your defaull the oulstandlng balance on your Accoun! shall con\lnue to Jcoue II'\lew..t .'It tI\,~ AJ't\('.J '1:'.(j,:','''111'\ II,.. Flnllllu Chilrge. t,C'I linn ul thl~ Agll,\'menl evt~n If
we have filed sUllto collect the amount you owe
Credit Line, Your credit line IS ~pecllled from lime 10 11me lf1 J separale nollce We may mcre;;!~e 01 Cl;'crt';l~,V \ 0U! PI"j,t hi'" t',I'I',j, ,() ,,,1 ,I~-"l" ,n w.' ,i/,I;WH'" 1l,'''1 \,'}IJ <)1 your Cft'(]lt '('COldO;
YOIJr available (;redltl$ normally Ihe dilference belween your credit Ime and youl Account balanCf> (In,~lu,jlrq 11:\I.",,;1I'!1'-1I1:. r':",1"'" ':tl ;'l'JI'I' ,II,"'~ ~'l,' 11':'I,.,II'..,!:,h"ti It ~'1:1U ~,'~'loj ~~ a Ii:!fgo" p,.~yme'"l!
check, "'Ie may knit your avalla.ble credit 'Ntllle we confirm that the cllecJ.. will clr;al For cerlaln IliJnS;lc\',:m:, ,1\',elll.ltllf' ul"j:! '1',,1, t~. :." I ,I'"~ ~:!IIl' ,I II'" YLJI!r Accr);jnl 1m ilrlJ 'iiI' I'1lil,' retur.t:' to
honor, any transac\!Jn which would cause you to e~ceed your allal13bl~ cle'jlt
Promise to Pay, You promise Ie pay us when due all amounts borrowed '",hen ,'ou 01 so~e(Jr.e f'1.A.' J'~., ,".'\JI f" ':~',:!11 i',","'l :! :"1' .1!'" ,,)11' . ,I' J"'~ l ), ","j'., V'>lJr :'~'!rn"_:i':i'1) "iO ::'tll.!I
transaction:; an,j charges to your Account, and colleCllQn cocls WB Incur Im:luclflg bul nclllmit('d ~.;) l'i.'l~.r''1;j\Ji.' ,j~l,:'lrll "t'.", f,., '111r~, >'i'I' ,', ,:! \';~,) \\'11', It'I' '.,lllt Wf. ",,'iI! P',,'ou' 1I.'a:,:)l1atJje
allomcy's fees and C(,IUlt CQsts )
Changes. Aller we provlae you anI' nollee reqUlled by law, we ma,' ct'l;;mgf any pa~ 0! tht:, f'c;:"i"I"'111 ~j!\j .;jj 'I ','"1".,,, ~I'~'I""" ;'''''' "1 t:Jn:l'. ,: ~";J'" 1,.> tlil' Flmmct ChDIgn ~ecMjfl ell
thiS Agreemenl, lhe new fmance charge calculal10n Will apply ~o your fnllTE ,l,r:C0unl b:Jli'Jrl(O;' !fl'rT) tt". 1111" :'1.'''' -:,.1.. '.. 11.1' "1.1.'1" 1,.t': J" , ""j! i.~,I.' I". [\li:i'l'(;~ H";j; 1!".l'I'.1'~.>I':~~~';'~WW 'i.QI,lL
Account t>e1o'(' lt~. d1t(' r"l! It'.(> ch,~,g~ and wli13pply whelhel 01 nOl yc'u C0n~I!~\lP Ie '...~f' Ih" ;'U;;,IIJ!
Foreign Exchange/Currency Convtr"ion. If vou iJ5e youl Ca!'::: fo; !r~ir::;,1c.'!our~ 1(, J:IJ'!f-'I':', "t~,l" t',.I! 1 '.I'" ,j" "I'
governmcnt-manc.l1ed rate or (II) """101['5;111:' ma!kl:'l rale In l,IIf'(t th~ d,~~' bd"It' HI" ~':l~"",(I",r' ~JI',;;"" .'>J ~.lll. " .1"" : ~ , "" ;,' ." I
Will C<! decleased bv the ~i'lme percenlage' If the CI('dd tia~, 3 jlt1~f('"t pl''-.'(I'~::'"lJ::,;''' :'ltl' :"'."', ''",'':' i ,'" "" '"j' " ,'. !,
COr1Ver:;lon t;,lt' on !tIt" d<lY ~to!e !tit' ttan:;achor. plOn<,~,1fl9 1;,,,, n',;), j.~:,'1 liJ:;' I',,' ';11.' II' "'~(':~ ,I: ~:l' :1 ..:' I ",I'
agree 10 3CCPP\ lhe conv€rl.cC omQunt Itl U S d(Jlii.r~
The Card; Ca~ce:lIatjon, You mJ" ca,~C('1 your Gt"jlt P1IVIIPW'~:I: ;J'l'l' !in,..-. h n: 1,1.",: ,,: ;1"1 .,.':t'l; ,1'\: l.'
reservf: lhe rl(,jllt nol to It'new thE' Cald We .'1la', CJncel tht' i..~j!d j",;:: \::'UI :>"):11"1,""')". ~:,.,\ !'"'''I''''' :1,
nol tenew(>O "rna'lce Charge:> and olher It'e:; WII! r;onIInUf' to t.t' .J'"':.t,~,:.,.:: ;',J"~'''>'','',, ~"I! ( ;II','",.. i t'<'" .1' ~.' 1'.,' 1; i ,~" f'
termlfl,3;te your CI(-'!jll PllVI1f.9t'S O! 11....e cancel "r JC' not 1(>llt.w Irl" ':-,-j:7: \.,,';1.0 '":.11 ". ; ""," ,",'I'.. '"..,. , I, '., ~ ,
P~rt.Clnallnfomlatjon; Documents.. 'Iou ,,"'III pri.'\iI:1\' 1I~. ill JLi~! ;~:; j",' :" h,'! I ',; ';( I> , '.1;'
request yOu Will plOIlI~ u::. i;laJlll'::Jr,,,lllna!1ro~111I!k'II'1:3110'1:"'" 'I'j...... I'" ";,,.! ,t 'y,. "1:'
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about your Account to others We mav also share Informalion with our affllrates However vow mav write 10 us at any lime Instruclmn us nor 10 share credtlrnformallon with our atfiliates . If you
do not fulfill your obllgallons under this Agreement a negatIVe credit report that may renec! on your credit may be subrrlll:ea 10 the credllleporllng agencies
Custome! Se~lcc: Unauthorized Use, Loss, or Theft of Checks or the Card. Each Card must be signed on receipt You are responsible for safeguarding the Card, your PersonallderMlcallon
Number ( PIN, which provides access 10 Automated Teller Machines) and any checks Issued to you from thefl. and keeping your PIN separale from your Card If you discover or suspecllhal
your Card, PIN. or any unused checks are lost or stol(>n, or lhat there may be an unauthorized transacllon on your Account you .....111 promptly r.oMy us by calling 1.800.933.7221 So we can
Immediately acl to limit losses and liability you Will phone us even though you may also notIfy us In wrlllng Your Iiab:hty for unauthom:ed u<;e occurnng b~fore you notify us IS Ilmlled to S50 1f you
report or we suspect unaulhorlzed use of Y'Jur Accounl we may suspend your credit pllvlleges un III we resolve the prOblem to Jur sallsfacliOn or Issue you a new Card If youl Card IS lost or
stolen, you Will prompUy destroy all checks In your possession To Improve customer service and security yOI) agree lhal y')ur calls may be monitored or recorded
Merchant Relatlons, We will not be liable If any person or Automated Teller Machine refuses 10 honor lhe Card or accept your cheCkS, or fails to relurn lhe Card 10 you We have no responslbllily
for goods and services purchased wlthlhe Card or checks except as reqUIrEd by law (See SpeCial Rule below) Certain oeneflls IM;;t are available wllh the Accounl are prOVided by thlrd.party
vendors We are not responsible for the qU<lhty, avallabJ1lly. cr re~ull:,; of :lnj' of the selVices ,'eu choose 10 use
Stop Payment Orders. If you WIsh to Slop payment on a check, you may send us a Slop payment order by wflllng lous at our address for customer service lisled on your stalement You can
make a Slop paymer,l order orally by calling lhe number flsled on your statement When you make a Slap payment order you must prOVide your Account number and speCifiC Informallon about the
check. the exact amount, the dale on the check, the name of lhe parly to whom II was payable, lhe name of lhe person who Signed 11, and lhe check number '(ou Will be asked to confirm an oral
stop payment order In wrltmg We may dlsreaard vour oral order If we do not receive a sloned written conflrmallon Within tNO .....eeks after the oral order, or If we have not received an adequale
descnptlon of the Item so that payment can be Slopped The order Will nol be effechve If lhe check was ~ald by us before we had a reasonable cpporlunlty 10 acl on the oroor We may. Without
habllrly, disregard a wntten SlOP paymenl order Sl>: monlhs after receipt unless IllS renewed In wntlng
Standard of Care. 8etause Ihls Accouf11lnvolves both credit card and check transactions which are processed lhrough separate national systems before lhe transacllOns are consolidated by us,
and because not every check and Card slip Will be senl 10 us, lransaclions In your Account Will be processed mechaOlcaHy wlthoul our necessanly reviewing every 11em Our processing system Will
call our atlentlon to cettaln 11ems which we w!1I examme We .....111 e>:amlne all transacllons when you reporllhat your Card or cr,ecks have been 10sl or stole1 We do notlnlend ordlnanly 10
examine all Items, and we Will not be negligentlf we do not do so. ThiS rule establishes the sta:1dard of ordmary care which we In good faith Will exercIse In admlnlstenng your Accounl _ Because
of our limited reView, and because nellher your cancelled checks nor Card transaction slips Will be relurned 10 you With the monthly statemenl, you should be careful to enter all checks In your
check register or olheM'lse keep a record of them You should also save your credit card cash advance and purchase slips You aaree to check vour monthlv slatements acalnsl vour record and
to nOllfl uS immediatelv of .mv unaulhorlzed transachons or errors
Waiver of CertaIn Rights. We may delay or waive enforcement of any pro....lsion of lhis Agreemenl wlthou: lOSing our nghllo enforce It or any other prOVISIon later You waNe lhe ngllllo
presentment, demand, pro/est, or notice at dlsnonor; any Clppflcabfe slatule cfflmllatlons, and any right you may have to reqwe us 10 proceed against anyone before we file SUit against you
Applicable Law: Severability; Assignment. No matter where you live, thiS Agreement androur Account are governed by federal law and by New Hampshire law ThiS Agreement IS a final
expreSSion of Ine agreemenl between you and us and may nol be contradicted by eVidence 0 any alleged oral agreement If any prOVISion of thiS Agreement IS held to be invalid or unenforceable,
you and we Will conSider that provIsion modified 10 conform 10 applicable law, ana the rest of the provls/ons m the Agreement Will slll1 be enforceable At any lime after we del~rmme m good faith
that any proposed or enacted leglslallon, regulatory aCllOn, or ludlclal deCISion ha$ rendered or may render any matena! prOVISions of thiS Agreement Invalid or unenforceable, or Impose any
IncrE:ased tax, reponmg requirement, Of other burden In connection With any such prOVISion or I!S enforcement, we may, after at least 30 days nohce to you, or wllhoul notrce If permllled by law,
cancel the Card and your Credit prIVileges We may transfer or assign our nght to all or some of your payments If state law requires that you receive notice of such an event to protectlhe
purcha$er or assignee, we may gIVe you such notice by filing a finanCing statement wllh lhe state's Secretary of Slate
Notices. Other notices to you shall be effective when depoSited In the mall addressed to you althe address shown on our recolds, unless a longer notice penocl IS specified In this Agreement or
by law, which perrod shall start upon mailing NO!lce to us shall be mailed 10 our address for customer service on ycur statemenl (or other addresses we may specify) and S~lall be effe\:lIve when
we receive 11
YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE. Th!s notice contams Important mformahon about your fights and our responSibilities under the Fair Credit Billing Act
Notify Us In C,~t of E"ors or Questions About Your8f11. If you think your bill IS wrong, or If you need more mformallon abeut any transaction on yourblU, write us, on a separate ShE'€t, al our
address for cuslomer service listed on your bilL Wrlle 10 us as soon as poSSible We must hear from you no later lhan 60 days after we sent you the first bill on which lhe error or problem
appeared, You can lelephone us, but doing so Will not preserve your fights. In your letter, give us the follOWing mformahc1. .. Your name and Account number, .. The dollar amount of the
suspected ellor .. DeSCribe lhe error and explain. If you can why you believe lhere IS an error. If you need more Informallon, descllbe the 11em you are nol sure about
Your Rights and Our ResponsibJUties After Wt Receive Your Written Notice, We musl acknowledge your letter wllhln 30 days. unless we have correcled lhe error by then WIthin 90 days,
we must either correct the error or explain why we believe the bill 'Has correct After we receive your letter, we cannot try to CJlfecl any amount you qu~slion, or report YOll as delinquent We can
continue to bill ~'ou for the amounl you quesllon. including fmance charges, and we can apply any unpaid amount agamst your credit hne You do no! have 10 pay any questioned amount while we
are Investlgaling, bul you are slll1 obligaled to pay Ihe paris of your bllllhat are nolln quesllon
If W~ fmd that we made a mistake on your bill, you wtlll'lot have 10 pay any fmance charge relaled to any queslloned amount If we dldn'l make a mistake, you may have 10 pay frnancecharges,
and you WIt! have to make up the missed payments on the questioned amount In either case, we w!1I send you a statemenl of the amount you owe and lhe date thai It IS due If you fall 10 pay the
amount we think you owe, we may repor1 you as delinquenl However, If our e>:planatlon does not satisfy you and you wnle to us Within 10 days telling us that you sllll refuse to pay, we must tell
anyo!'le we report you to that you question your bill And, we musllell you the name of anyone we reported you to We must tell anyone we repon you 10 that the matler has been sellled between
us when It finally IS If we dor,'l follow these rules, we can't collect the fl!'st 550 of the QUE!sllOned amount, even If your bill was correcl
Speclaf Rule forCredft Card Purchases. If you have a problem With the quality of the property or services thaI you purchaSed wllh our credit cord and you have lned In good faith to correct the
problem wlIh the mNchanl. you may nol ha....e to P-1Y lhe remaining amount due on the goods or services There are two hmllallOns on thiS tight (a) you mU$1 have made the purchase in your
homl;! slatt! or If nol wllhln your home st;1Ie, Within 100 miles 01 your CUIf~...t rr,,::!!lmg add;e~~, =nd (to) !he p'..:r:~~~c pr::c m'..:~t ~,;:I'..e ~,:;"', ",':'T€ :~'a:; S5C n'e;,~ :irr":a:'vr.S de. nvl ilpply If WI:: own
or operate the merchanl, or If we mailed you lhe advertlsemenl for the property Of services
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