HomeMy WebLinkAbout99-02638
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EXHIBIT
ProvldlJn ~J,11Ionaj Bank VISAOCl or Ma'SlcrCard@Account
Accounl AqreemlJnr for l:nea J k:een
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PI1~<1~(, review Hw; documen1 anel ~eep It with your other rmrorlnnt paC-cIS ThiS !leee!,;n! ,.1Gfe'?lTienl ccnt':'JIn5 Ille terms which govern yeur PrcvlCllan Nalional Sank VISA or Ma:;terCard Account
(the .....ccount") fhe Accllunt allcw,:; you to maf..e purCh,JSi'5 by Ilslng '/01,1 VISA or ~1aslelCard Card (lhe .Card') wherever It ,5 Mnored and to gel co::n JCvJnc~s from us or any other P<irtlc'paling
lm.lnclallnslltu!lon and Irom Aulomclled T eller Machme~ Conv\>nl\mce checks may also be PICVIC('C 10 ~ou JS :m 3ddlliOna! way to use the ;',cccunl fn this Agreement, 'you' and 'your" mean
each person for wr1Qm we have cpened J credit c.3rd Accounl "We" .our " ",:ur~." and "us' mean Provldi3n Nallonal 8C!r:~. ~r .t:; J::::g:icc:; .:i:; :I:;to;:d un your bliilog Slalemenl The Account may be
U~~-:! -:-.,!~' ~C/ p('r:;c~.:l!. fJr:",li', ~,Ou:;ehlJid, i.llld CnarllaDle purpoo;;es, and not fN any bUSiness or commerCial purpose Any use 01 thiS AccQunl shalt conslilute acceplance of the terms of lhls
Agreement You .1nd We agree as lollow~
Payments. You wdl receive a monlhly statemenl shOWing your outstandll1g balance Paymenl on thiS Account IS reqUired In U S doHars (checks musl be payable at a U S office of the bank lhe
crleCI\ IS dlllwn on) 101 al :east the payment due as shown on your statemenl by the paymenl due dal~ 111 accordance Wllh payment Inslructlons on your monthly slatement Convel1lence checks
and olher checks we Issue 10 you may not be used to make payments on your Accounl or to make payments on any other account you have with U!;; or our affiliates The paymp.nt due Will be, 1 6%
of lhe new balance shown on yc,ur stalement plus the amounl of any pasl cue payment, plus lhe amount by whiCh the new balance e~ceet1s your credll line However, the payment due '11111 not be
less than 515 (unles~ your new balance I:; less lh3n 515, In which case the paymenl due Will be the amount of the new oalance) If your Account IS past due or above the credl! line we may reqUire
a higher minimUm payment, bul we Will nOllfy you before dOll1g so If your paymenllS more lhan the payment due, It Will be !reated as a slI1gle payment and none of It Will be applred to future
payments due We may accept late or partlat paymer!ts, or paymen!s marked "pa,d In fuil" or marr,ea With ether restrlcllons, wltholJt lOSing our fight te collect all amounts oWing under thiS
Agreemenl
Finance Charges, Except as descnbed In the Grace Period for Purchases secllon of thiS Agreemenl, flf1ance charges begin to accrue on a debit when It IS Included In one of your dally balances
and contlf1ue until that balance IS reduced by a payment or credit Your account has three balances the Purchase Balance, which conSists of purChases you make With your Card and fees for
certain opllOnal s~Nlces, lhe Custom Cash Advance 69.lance, which con<;;lsls of balances lhat you lransfer 10 your Accounl uSll1g balance transfer checks and balances thaI we transfer tor you,
and the Cash Advan~ which conSIsts 01 aU other cash advances Any payment amount we receive lhal exceeas the finance charges and fees then due will ordlnanly be applied fifst to
the Balance Wllh the lowesl Annual Percentage Rate (APR), unl111hat Balance IS zero and then to the Balance WJ!h the nexlloweSl APR, unllllhal Balance 1$ zero. andlhen fo any remaIning
Balance We leserve Ille ught lu apply payments dlfterenUy WithOut further notice The Purchase, Custom Cash Advance, and Cash Advance Balances are reduced by payments as of the date
received, and by credits (e~cept for reversals of late, oVEr.llmll, and miscellaneous Charges) as of the date posted Purchases are Included m your Purchase Balance as of the dale made Custom
cash advances are Included In your Guslom Cash ,A,dvance Batance as follows funds etectrol1lcally transmitted 10 olher lenders to transfer balances. as of the date transmitted. checks 10 transfer
balances as of the date presented 10 us Olher cash advances are mctuded In your Cash Advance Balance as follows cash advances from other flnanclallnstltuhons and through Automated
T eUers, as of the oate made, cash advance checks made payatle to you thaI are Idenllfled as cashier's checks and mailed 10 ~'ou at your request, as of seven days afler the date we print on lhe
check, all olher checks, as of Ihe dale presenled to us Olher de>blts (el(cepl for lale over.limlt, finance, and miscellaneous charges) are Inctuded In your Purchase, Custom Cash Advance. or
Cash Advance Balance as otthe oate posted Finance charges are added 10 your Purchase, Custom Cash Advance, and Cash Advance Balances each day and are then posted en lhe last da}'
of the blltll1g cycle There IS no grace pe/lod for custom c:a:;;h advances or other cash advances
To figure the dally finance charge for purchases, the dally fll1ance charge for custom cash 3dvances, and the dally finance charge for other cash advances. we start wllh your prevIOus day's
Purchase Balance. CU5tom Cash Advance Balance, anC Cash Advance Balance. add all debllS and subtracl all credlls for Ihe curren; day to the applicable Balance (as e~plalned In the paragraph
above) and multiply the net amount by the applicable dail", peflodc rate (set! followmg paragraphs) The fmance charge for purchases IS then added to and mcluded In thaI day's Purchase
Balance, the fmance charge for custom cash advances IS then added to and Included in lhat day's Custom CaSh Advance Balance, and lhe finance charge for other cash advances IS then added
10 and Included m that Cay',;; Cash Advance Balance We llCat a credit balance for any day as Z~ro We delermme the fmance charges on your balances for the billing cycle by addmg logether lhe
tinance chalge lor purChases for each day wlthmlhe bIlImg cycle lhe fll1ance charge for custom cash advances for each day wllhln lhe blllll1g cycle, and lhe finance charge for olher casn acNan~s
for each day wllhln the biillI1g cycle tn catculatlf1g fmance charges an al1jUstmenl Will be made lor any lran$actlon or payment that would have affected lhe finance charge calculatIon m a pllor
billing cycle had It bt:en pos!l:'d 111 that cycle The applicable dJlly periodiC rale for such a transacllon wll! be lhp. rate m effect lor th~ cwrrent billing cycle rather than the rate In effect on lhe date of
the Ir:m~acllon
To delermme lhe average dally balance shown on your slatemenl for purchases. add each day's Purchase Balance (mcludlng d311y finance charoe) In lhe blllmg cycte and dIVide by the number of
days In the btllinq Cl'c!e To determine lhe average dally balance shown on your slalement for cuSlom cash adval1ces aod each day's Custom Cash Advance Balance (Including dally finance
charge) lf1 the billing cycle and diVide by the number of days In the billing cycle To delermlne the avt'rage datly balance shown on your statement/or cash advances, add each day's Cash
A"-'ance Balance (mcludll1g dady fmance charge) In the blllll1g cycle and diVide by the number of days In the blllll1g cycle YOL,; can multiply each 01 these average dally balances by the number of
days In Ihe blllll1g cycle and by the applicable dally peflodlc rale to oblaln subtotals and lhen add lhe three subtolals together !o delermlrle lhe lotal amount of fll1ance charges on your balances for
Ihe billmg cycle
The lerm .Prlme Rate" as used In thiS Agreemenl means the hlghesl pflme rate published m The Wall Streef Journal on lhe flrsl bUSiness dJy of the prevIous calendar monlh Any Increase or
decrease In a variable Annuat Percentage Rate Will take eHect on the flrsl day of your biIImg cycle and may result In a slight Increase or decrease In the amounl of your mll1lmum payment
The ANNUAL PERCENTAGE RATE (APR) for purchases wlII vary and may be adjusted each blllmg cycle up 10 7 9% above Prrme Rate, but will In no evenl be less lhan 13 9% USing lhls
formula. lhe APR for purChases 1I11he June 1998 billing cycle IS 16 4%, COIf€spondlng to a dally periodiC rate of 0 04493%
The ANNUAL PERCENTAGE RATE for cash advances Will vary and may be adJusled each billing cycle up ta 109% abo...e ~he Prime Rale but Will :n no f"v,::nl t'-;> le'2s ,hen 16 9% U~~r1g !hi:;
formula lnf': APR 1m (,:i'I"~' .:lijv:.lIrKe~ fr1 :he J~:iC ~~e ~,::;"g c'~C:", IS is':% C(JIrt:~pondlng to a Clally perrOClc rale of 0 05315%
We re~erve the right 10 change lhe Annual Percentage Rate calculallons II you do nol comply with lhe terms ot thlsA.greemenl
Grace Period (or Purch.nes, New purchases pos!ed to your Account 111 billing cycles With no prevlOws balance or when tr-,e plev;ous balance was fully paid dUring lhe cycle, do not begin 10 Incur
a finance charge un!!! Hie slart of the next blllmg cycte You Wilt pay no flnJnce charge on such new purchases If you pay the teta! new balance In lull by the paymenl due dale shown on your
statement New purcha:;es posted In any ot1~r billlllg C)'cle mew a !mal)(e charge ana there IS no period In wh:ch such purcha~es mar be repaid ....Ithoutlllcurrmg a Ilnance Charge
Fec'S, We wliI charge your Accounl up to $29 for each Car~)Iou a:,k us 10 replJce each relurned pavmenl Cl1ec~ each check you wfI!e on your Accounlthat we return unpaid, each stop paymenl
order or rene'Nal of such an ordt>r, each billing cycle Wllhll1 which your Account I:;; delinquent (late charge), and each biIImg cycle wllhm which your balance exceeds YOUl credit line, (;ven If your
Accounlls clo:;ed If you reouc-::l caples or billing slalements IhJl were flrsl ~1.'nt to you more lhan lhree months earlier, we mal' Charge a 11Jnditng fee 01 S2 for each such copy
[kfault. You Will be In defaull II Jtly mlormatlon you provlOcd US proves lu be II1comple!e or unlrue, If you do not complv wl:h any par! of 11'115 Agreement upon your death, bankruptcy, or
m,-olvency, II you do n01 pay other debts when due, 113 ba~l-..ruplcy pelillon IS flte,j by or against you or II we tw::llev€ In goo,j faith that you may not pay or ~rform rour obligations under thiS
Agreement It you are In delai.lll we may, wlthoul further OC>r.'Iand or nollce, c.:mcel your credit pnvlleges, declare your Account ~al~ince Immed,31ely due ana payable, and use any remedy we may
havE> In the event 01 YOU! detault, !tIC outstanding balance on your Account shiJlI conll11ue 10 accrue lt11eres!at the APR(s) OI~,:lo~ej lt11he Finance Charges ~f;cllon 01 thiS Agreement, even If
we have filed :;ull to coll('cllhe amOunt you owe
Credit line. YOiJ~ credilline IS :;peClfled trom time 10 1if~(; In a :;eparate nollce We may i;';C~Co:;C vi ,x,;:,-ed:;e your credit line based ::II1lt1formallon we obtained from you or your credll recerds
Your aVilliidJle cr{>Jlt I~ normally the d,tfeTence belw{c'€n youl credit hne aod 'iOUI Account balance (Includtng transactions mace Of aulhonzed biJl not yet po:;ted) 11 you send u';; a large paymel'11
check. we may limit YOU! aVdll;)ble cfedit while we confirm ll',at thc check Will cleaf FOI certain trarlsactlons, avar!Jble crf-dlt :"!'la,' ~ less You ".-:II no! us~ YOUf Account for, 3M we may refuse 10
honOl any lran,-acllon which would CiJuse you to e.o::cped your .9vJllable eMit
Promin to Pay. '(ou proml:;," fo pay us wh('il due all amounls borrowt'a whl~n you or somE-one el~p; use your Acco'Jr.t (everl if lhr amai.:nt char9t~d e);ct>ed~ your pl.~rml~:;,onl, all other
Iran~acllon~, :-md rf',Clfqr:: to l-\hH Account and colil'ctlon Co:;lS WE Inr,ur Includrng bul rlot limited la, r('a~()n,1t.i(. a:~0~n,:,y,'S ff''''~ ,:,nj COlirt :Jst~ iif j'OU win thl' sUll we Will pay your re3~onable
3110rnpy'~, fl'-f'~, Wlj COlil" r;):,t~ ;
Chengr5. ,t.,fl~'f Wf' P'QVI'.it' you :.my n()lwe rf-l'JiJlll'd ty 1,1.... WI,' rn;,y (;~;Jnqt" .:my >:'Jft (,I ~~,,:; AOlt'em{'nl and a,J'::l CI '\::'~0vE 't"::iJ,:,::mt"I)~. ~t a r~13:;g(' IS maJt 10 the Finance Charges secllon of
lhl:; A9r(~~m(~~d t'l(' il('\/,' flfl:mc!' chargt' C<:!1':ul;~lron INlli apply 10 your entl'E' Ar.c:'iJn\ ~<liance tr()m the dfl'ctl~e '::3tt' of :he c~;;H1~e C~,J~I;l(': .....111 ;Jr,i:J'y 10 t);11:.mrt>~ !I.al IT"1rlUl1p It"'T:' I">r':;1"'1 to UlliL
~ t\t,j"l'''12!:..1'':1.:'2~'.!..l'2f_ C~lo.n'J~ 3M Will ap'.'II~' wllt'~htl: 01 fleA you CCflllrlUt' to U:;f> the ,tl,cmunt
foreign [Je,han9clCuflcncy Convtrsion, if you ~~~ I'IJi)f CJrj tor t!a~I~;.lCtlorIS In a cUflency on',er !tv,,,, (j S )0:iaI5 i~lt;':: 3'"!:.;;:.:1C)~'~ WII: tit" CiJilvr;1cd tc U S jollar~ generait\' uSing either a (I)
oo~'emmt"nl.m:J:"J.:l1("j 'ail.' 01111) ""huk':;JI(' miJI~,(': (ate In 1'll(-'Cl1tl(" j.:;y tW!oIf> t"(-' ~t,m~"lcllon PIOC('~Slny a:JIe, :f1C('3SI'j tv ~I"f' ~'C(''1\ 1~)l"1 11 J Ct('JI11~ SUDc;f'quer.!Iy glv{'n lor a lranSJCllon, It
Will he J{-UI:3;,;>j tIt' Hit, ~,flrnf' p(,rtNlI3Ge 11 the cwoll hJ~ a Jt!('f(""',! DICJCt"~;,i'lq JJle Hl~n ~he e.chJn~:)e fiJte c'f :r',t' C'(-,::: ::.:l~; t,(' ~'e,j:t'lil(";S :'1an 1!-,JI of \hc or:g'nallran::.ac1Ion 1 hE' currency
ccnvUr'..iOl", 13tl' ,.Jr< r~lf' ,).:lr twfJ'f' Hw 11,ill::'JC11:m pf()U.::';:';1119 -::Jle m;:!,' dlllf'r 1r,~1l1 !rl{' lale 111 e!l('c! al thf' time of :he t'J"'~;1(:h:n '!~ (,[1 t'lt' :J;lle I~,(' IrJ']sacllQrJ IS :;"()Slf.j on your Acr.ounl You
a~r,'t' Ie' ;l[,~I"f'! II,,, UJ'l..r>'Il'-;j Hf'lou",l iI\ U S dc',I;;y:
Tht Card. CanetH.llOn. Y :J,; [T;.JI/ ,~71nCl'1 ~,(,Ljr Cf!'<]11 ;)lII,'I,t"J\'~ .31 df1y Ilmt" ~r 1\l,lif.,,:nJ ,JS In wr,lit19 311J Jf::.1IC'i'I'lJ 1~,t' I:JI j, ~', l..'f,,,r, t';';-,..,l:J h.llla!un ;11 !I,t' \-r"lJ 01 1~1t.' mC'~th ~hown on It we
1f':,t!rVt" l'It.. fl'ti! tl~11 1::J ""11''' t~ll- Cal,j 1\..lT,3~ ':::1,,1..,,1 H,t'::,;I': ,~'I': \i"LjI .:".",JII ;31\,.I{-~t'~ at all,' lime 3f:('~ :'0 ;:lJ,.: n:;io(E' ::\ ~'i) :>, ~~:',,~ul,""II(''''' I! p...r':\I!:l'j t,y 1~1Il1' VOlJl \,..aIO,s ~JnCelit>dor
nOI r~"It'w": t:"JII^r c"J'~'''. ;]nj~)I!,(" !..,< .',il C~dl!I' I,J': I~ lot' .1: '" ': :',' ~ ;,<1\ :"lIt""" .",.,rl (')nt'nU\' Ie t.._, ,jJ" ,;r1] ,j~: ::11<-'1 3r'lll::j:,.~ ;" ~'V::.I,".:; :,' t~lI~, .c.),,..l:'rr'l'ru w,I1 ,l"'n~1'tl In t"lt-.:I ,I VClU
1tc"!'!"III,;;!, .':'J\I! ,:",v .''','I'''J':,'Y If \\0,- Gmt "I .~, .J', ,,",l ;(.,,,..,, \'''' il' j\,.,,~ "-':1, ~1" I(I"'~I" W'llp :::"(;":~'<''''"!vr_'", :':::::.;'~! 1":: ,:"~' '. '1:,;1':: .1"'~t:'.. rJ'1~' U'lt.;..t'G' ~:lr!<I-.:, WI' hJ<'t' I~~;u(.j Ie ,'CU
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!P;"ono1InfOrmatiOn: Documents, You w,1I provide us" least 10 days nollCe II you change yo", name, home 01 mail"g adcress Ielephone numbe" employmeo' 0' "come Upon ,:,' .,
requesl, you will provide us additional flnanclallnformalron We reserve the fight to obtain Informarlon from others including ~reCll reporllng agencle~ and to prQvlde your adores;; and Informallcn
about your Account to others We may also share information with our affiliates However VOll may write 10 us at any lime ~n'St~uC:llnr:llJs net 10 shme crecM Infcrmallon with OUf a!fdlales If ~.Ou
do not fulfIll your cbligallons under thl:; Agreement a negative credl! report that may reflec! 0.. yowr crdll may be suDml1led :0 :he crP.Cll repOlling agencle~
Customer Servlco; Unauthorized Use. Loss, or Theft of Checks or the Card. Each Card must be signed on receipt You are responsible for sateQuardlng Ihe Card 'iC:':~ P~f!:cnJI il::l;!r1l1kdllon
Number ('PIN' which provides access to Automaled Teller Machines) and any checks tssued to you from Iheft, and keeping your PIN separate from your Catd If ,'ou discover or su~pect thaI
your Card PIN or any unused checks are lost or slolen, or that there may De an unauthorized transacllon on your Account you Will promptly notify us oy calling 1.800.933.7221 So we can
Immediately act 10 Ilmlllosses and Ii;;!Mly, ycu Will phone us even though you may also notIfy us In writing 'Your liability for ui"laulhorlzed use occurrmg before you nOllfy us IS Irmlted to 550 If ,'eu
report or.....e SUSPEct unauthorized use of your Account, we may 'Suspend your credit pnvlleges unlil we resolve the problem to OUf sallsfacllon or Issue you a new Card If your Card IS losl or
stolen, you wlli promplly destroy aU checks ;n your posSe~~'on To Improve cuslomer ser\llce and security, you agree thaI your calls may be mon:lored or recorded
Merchant Rclallons. We Will no! be liable If any per:;on or Automated Teller Machme refuses to honor the Card or accepl y,"ur check:; or falls to return the Card to you We have no responsibility
for goods and services purchasec: wllh tne Card or checks except as required by law (See Special Rule below l Certain benefits Inat are .:!....allable .....Ith the Accc~r.t are PI':;...I';,;'; ~'i :hir.::.parti
vender.; We are net responsible for lhe quality, avatIabllilY. or reSUllS of any of rile servIces you choose 10 use
Stop Payment On:lers. If you WIsh to stop payment on a check, you may send us a stop payment order by writing to us at our adcress for cuslomer service listed on your sta!emenl You can
make a stop paymenl order orally by calling the number lis tea on your statement When you make a stop payment order, you must prOVide your Account number and SpeCI!IC information about the
check the exact amount, the date on the check, the name of the party to whom It was payable, lhe name of lhe person whO :;Igned It, and the check number You Will be asked to confirm an oral
step payment order In Writing We mav dlsrecard vour oral order jf we do no! receive a sla~ed wntten confirmation within two wee~s aller tile oral order, or If we Ilave not received an adequate
description of the Item so thai paymenl can be stopped The order Will nol be effecllve If t~e check was paid by us before we hac a reasonable opportuOlly to act on the order We may wflhOul
traMty, disregard a wnlten stop payment order SIX months after receipt unless It IS renewed In writing
Standard of Care. Because InlS Accounl Involves both credit card and check transactions which are processed through separate nallonal systems before the t~ansactlO:ls are consolidated by u~
and because not every check and Card slip wll! be sent to us, transac!lons In your Account Will be processed mechanlcall~ Without our necessdrlly reviewing e....~ry Ilem Our processing system Will
call our aUenllon to certain Items wnlch we Will examine, We Will examine all transacllons when you report that your Card or checks have been lost or slolen We do nollnrend ordmallly 10
examine all Items, and we Will not be negligent If we do not do so ThiS rule establishes lhe standard of ordinary care which we In good f3ilh Will exerCI~e In administering your Account Bec.Me
of our IImlled review, and because neither your cancelled checks nor Card transactIOn slips wrll be returned to you With the monthly statement, you should be careful to enrer aU checks In yt1uf
check register or olherwlse keep a record of them You should also save your credll card cash advance and purchase slips You aoree to check vour monthlv stalements aoall'1st Your record ~d.
l2...!!2!!t:L!Js Immedlatelv of any unaulhoflzed transactions or errors
WaIver of Certain Rights. We may delay or waive enforcemer.t of any provJSJon ofthJS Agreement Wilhout lOSing our ughllo enforce It or anY' oUler prOVISion faler You waive the (lghtto
Pfesenlment, demand, protest, or notice of dishonor: any applicable statute of limitations; and any nght you may have to require us to proceed against anyone before we file sUllag31nst you
Applicable Law; Sevel"3blllty; Assignment. No maller where you live, thiS Agreement and your Account are governed by federal law and by New Hampshire law ThiS Agreement IS IJ fln,,1
expression of lhe agreement between you and us and may not be contradicted by evidence of any al~eged oral agreement If any prOVISion of thiS Agreement IS held to be mvalid or un~nIOrC;tlal;lt'
you and we wllJ conSider that provIsion modified to conform to applicable law, and the resl of the prOVISionS In the Agreement "'III still be enforceable At any lime afler we determine In gocl(j 1011th
lhal any proposed or enacted legislation, regulatory action, or ludlclal deCISion has rendered or may render any malenal prOVISions of thiS Agreemenlmvalld or unenforceabl~, 01 ImpO!,e ilny
meased tax, reponing reqUirement, or other burden In connecllon With any such prOVISion or Its enforcement, we may, aher alleast 30 days notice to you, or WithOut nofln~ II permflled bv I:!w
cancellhe Card and your Credit prIVIleges. We may transfer or assign OUf right to all or some of your payments. If state law requites ~hal you receive rjollce 01 such an e....t>~llo proteCllht'
purchaser or aSSlgne~, we may give you such notice by filing a finanCing stalemenl With the stale's Secretary of State
Notices. Other notices to you shall be effective when deposlied In the mail adaressed to you at the address shown on our records, unless a longer notice penOd IZ ~wclflf'd In thl:'; Ag!('emt'nl N
by law, which period shall start upon mailing Notice to us shall bemalledtoouraddressforcustomersen.lI.=eonyourstatement(OrOllleradaresseswemayspeclfy}aM~hall~(.f(~CIIV(.Wh(.1l
we receive It
YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE. ThiS nolice contains Important information about your nghts and our responslblhlles under fhe Fair Cr('d~! Billing Acl
Notify Us in Case of Errors or Questions About Your Bill. If you think your bill IS wrong, or if you need more information abc1ut any transaction on your bill, write us on a ~(>PJr3h.' ~hl'e! ,'1! cw
addres::; for cusfomer service lis led on your bill Wnte to us as soon as poSSible We must hear from you no later than 60 days after we '.>e'11 you the first bill on which tIlt" CIIC'r at prohlt'lTl
~ared You can telephone us, but dOing so will nol pre:;erve your fights In ~'our feller, give us the f"llowlng mformatlon -- Your name and Account number .. The doll,lr amounl or trll'
~uspecled error .. Descnbe the error and eKplaln. If you can why you believe there IS an error. If you need more Informalion, deSCribe the Ilem you are not sure aboul
Your Rights and Our Responsibilities After We Receive Your WrittclI Notice, We must acknowledge your letter Within 30 days, unless we have correcled Ihl:' CHor by rh(-n Within ~ l.i"i'i.
we must etlher correclthe error or explam why we believe the bill was correc~ Afler we receive your letter, we cannoltry to colle:l any amounlyou Question, or rt'pOlt ,'ou 1l~ dt:ohnqut'nt Wt! car,
continue to bill you lor the amount ~'ou question, including finance charges, and we car, apply any unpaid amounl against your c:edlt line You do not have to pay ally QUE'~tlont."d amounl while ~e
are Investrgallng, but you are shll Obligated to pay the parts of your billlhat are not rr. Quesllon
If we find that we made a mistake on your bill, you Will nol have to pay any finance charge related to any questioned amounl If we didn't ma~e a mistake, you may have to pay finance chiIT9t'~
and you will have to make up the mtssed payments on the Questlonea amount In clther case, we Will send yOU.1 statement of the amount you owe and lhe dale th,lt It I:; due II you lill! to pay ft,f'
amounl we thInk YOlJ owe, we may repon you as delinquent However, If our explanatIOn does nol satdy you and you write to us WlllllrllO davs telling u~ 1hat YOLl stili refus!'! to pay we mu~l It'll
anyone we report you 10 lhat you que~tlon your bill And, we must tell you tne name of anyone we reported you 10 We must tell anyone WE' reporl you 10 thar l~e matter "'as tx'en ~t'lI!w bt't'lo,t','n
us when II finally IS, If we don'l follow thesG rules, we can't collect ltle first S50 of the que:;tloned amount. even If your bill was COllect
Sprclal Rule forCrcdit Card Purchases. If you have a problem wllh the Quality of the property or service,:; lhat yOLl purchased With our credit card and you hJve tried In good f3llh 10 corrt'c! thl'
problem With the merchant, you may not have to pay the remaining amount due on the goods or services There are two Ilmlta:lc,n: on thIS rlghl fal vou mlJ~t h(l\lp m:'lrll> ,...... ~t'r(h~',!" 1t1 \'':''.!'
.'n~e state, or if nolwlthlfl your Ilome siale, Within 100 mli€:s of your currem mlllllng adaress, and (b) the purChase price must ha\i~ been more than $50 1 hese Itmltal:of1s do not apr,ly If Wi." "'Nn
or operate the merchant, or If we :nailed you the advertisement for the proper~y 0r services
..''''",..
.....
EXHIBit
I · 82 k
VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
';:i'J
"..I"
,.
.',
.:J/.J'.'T
PROVIDIAN NATIONAL BANK
Plaintiff
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
VS
LINDA J. KEEN
Defendant
NO. 11- d~jg-
~
NOT ICE
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 ~nd 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 faij 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 CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
F~OM MANTZ & ASSOC.
TEL: 215 348 4015
RPR. 6.1999 9:49 RM P"
STATE OF CALIFORNIA
COUNTY OF ALAMEDA
HEATHER KooRgMAN
Dt~tDS that she/he is the Designated
Agent of l?rovic:lian Nati,ona] Bank "nd i13 authorized tCl take this
affidavit on its behalf and that the facta set forth in the
foregoing complaint, arc tn.,)", and corn'ct to the beat or her./his
information, knowledgE'! anu belief; that there is now dUe and clWing
from LINDA J. KEEN the mUll of $4.348.00 plus interest and attorney
fees; and that t.herr~ a X't~ nn deductions or oftsets ot any kind,
except as are therei.n specified and credited i.n the Gomplaint.
She/He furthe:t.. under::;tand:=: lh"c f,,] ['Ie statements made herein are
subject to the penalties of .1 B P':l.C.S. Section ~ ~04, lCl"lating to
unsworn falsification to authoritieo.
~42823061S402152
rii;PROVIDIAN
~ FiJl(lIIl'/Ii!
PrO~ldlan ~JJ11C'niJl BanI<. VISA@or..\1asterCard@Acccunt
;"ccount:'grEo;:mentior linea J Keen
· 8/'
Please review !tH~ .;oc:;ment and keej) it with your I.llher Impcnanl paoer$ i~.IS ACC':l..rt ;'greemel"t ccnl;;llns IMe terms wnlc~ govern 'IeWf PrCVIClan Nahonal Sank VISA or MasterCard ~c:cunr
(the "!1ccoLin1") itie .-lcccunl.allcw5 you to mJ~e purchasl:J by uSing yC'l.f '~ISA Jr \las:t'rCalc C3rd Lit,e 'Card') wlierever 11 ,';j ilcr,crec ana to get :3:;h Jcvances from us or any other par.1c:calll1g
flnanClalmslltullon and trom ....,ulomated Teller Machines \..cnv~nll~n"c: a:~~s ~~y JIS~ t~ prcvlC~d 10 'iOU as an aCdltlcnal 'Nay 10 lose :l'1e ..~cccunl In InlS Agreement. 'you' and 'your' mean
eacn person fer 'Nt-,om we have ccened a credit card ,Account ,"Je our ours 3nd uS mean t"'~OVICian National Sank or 115 3S~IQne';!s as listed on your billing sl:Jlemenl The Account may be
used OI'1Iy for personal family r.olJsehOld ~nd char!rJbl~ purposes ane nel for ar.y bl;SlneS:i cr ccmmerc:al ,OUrp05€ :Ony use or I~'s :'cccun! sl':!II:~r.st:t!,;te ,'lccepl::lrce d the terms Of :I'::s
Agreement YOlJ and we agree as follows
Payments. You Will receive a mOr'lthly slatement shOWing your outstancln9 balance Faymei'll on 1M Accounl :s reQUired ,1'1 U S ccilars (cnecks must Oe payable al a U S office of tne bank lhe
check IS Crawn en) fer at least Ihe payment due as shcwn on your slalement ty :he paymenl Cue cale In accorCance Wllh I=ayment :nstructlons en your monthly stalement, Convenience checks
and other checks we Issue 10 you may 1'101 be used to make payments on ycur Acccunt or :0 make payments on any omer account '/OU have wllh us or our affiliates Tne payment due win be 1 6%
of lne.n~w balance shOwn on your :ilatement plus the amount of any pasl due payment, plus tne amount by whiCh Ihe new balance ~xceeds ycur credit !lne However lne payment due Will not be
less than S15 (unless your ne.... balance IS less than S15, In which case th~payment due Will be the amounl of the new oalance) If yeur Account IS past due Of above the credit hne we may rec;Uire
a higher mmlmum payme:"ll. but we wll! nolify you before domg so If your p3ymentls more than the payment due. II Will te trealed as 3 Single payment and none of It Will be applied to Mure
payments due We may acceollale or partial paymenlS. or paymenls ma:~~ .pald In full" or marked With olher reStrictions, wlIl'1outlcslllg cur flgnl to collect ail Jmcunts oWlIlg under thiS
Agreement
Finance Charges. Except as described In Ihe Gr.Jce Period for Purchases section of thl!: Agreement. finance charges begin to accrue on a debll when It IS Included In one of your dal~1 balances
and conllnue ur:tlllhat balance IS reduced by a payment or creclt Your account has lhreC' balances the Purchase Balance. which conSists of purchases you make With your Card and fees for
cenaln optional seNlces, Ine Custom Ca"" Advance 62lM~. whIch conSists of balances that you transfer to your Accounl usrng balance lrunsfer checks and balances that we transfer for you;
and the Cash Adv~nce Balance which conSists of all olher cash advances ~,ny payment amount we receive that, exceeds tne rlr-ance charges and fees then Clue Will ordmanly be applied firslto
the Balance WIth the towest Annual Percentage Rate (APR). until thaI Balance IS zero, and then to the Balance With the next lowest APR. until thaI 8alance IS Zero. and then 10 any remaining
BaJJnce We reserve the nghl roapply ,ooymenls tN1elenlJy w!tholJI1unhe! lloJ!ce The PlJrci'z.')~e, ClJSlcm Cash Aevance. and Cash Acva~e Salances are reduced by payments as of the date
received. aM by credits (except for reversals of late, over.llmlt. and miscellaneous Charges) as of the date POSled, P:.Jrchases are Included In yOUf Purchase Balance as of the date made Custom
cash advances are Included In your Custom Cash Advance Balance as follows funds electronically transmllled 10 other lenders to transfer balances. as of the dale transmitted; checks 10 transfer
balances as of the date presented to us Other cash ad...ances are IIlcluded In your Cash Aavance Balance as follows' cash advances from other finanClallnstltullons and through Automaled
reil~rs. as of the date made, cash advance cllecks made payable to you Ihat are Idenllrled as cashier's checks and mallea 10 you at your requesl, ,as of seven days after the date we pnnt on the
check. all other check:;, as of tne date presented 10 us Olher deolts (empl for lale over-limit finance, and miscellaneous charges) are Included In your Purchase. Custom Cash Advance, or
Casn Advance Balance as of the date posted Finance charges are added to your Purchase, Custom Cash Advance, and Cash Acvance Balances each day and are then posted on the last day
f)l tne billing cycle The/e IS no grace penod for custom cash advances 'Jr olher cash advances
To figure the dally finance charge for purchases. the cally finance cnarge for custom cash advances, and the dally finance charge for other cash advances. we start With your prevIOus cay's
PurCI",ase Balance. Cuslom Cash Advance Ba~anc.e, and Cash Advance 8alance, ado all deblls and subtraCI all credits for the current Cay to the applicable Balance (as explained In the paragraph
above) and mulliply the net amounl by thi! appl:cable dally penodlc rate (set! follOWing paragrapns) Tne finance charge fer purChases IS then added to and Included In that day's Purchase
Balance. the finance charge for custom cash advances IS then added 10 and Included In that day's Custom Cash Advance Balance, and the finance charge for other cash adVances IS then added
to and Included In tt-,at day's Cash Advance Balance We treat a credit balance for any day as zero We determine the rmance charges on your balances for the blll:ng cycle by addmg together the
financ.e charge for purchases for each day wlthm the billing cycle, lhe finance charge fer custom c3sl1 advances for each day Within the billing cycle. and the finance ct1arge for other cash act.Jances
IOf each day wllnm the billing cycle In calculating finance charges, an aOluSlmenl Will be made for any transaction or payment that would have affected the finance charge calculation In a prior
bllllng cycle had II been posted In that cycle The applicable dally penodlc rale for such a transac\lon Will be the rate In effect for U",e current bIIImg cycle rather than the rale:n effect on the eate of
tnetransact:on
To C'etermlne the average Cally balance shown on your slatemen! for purch:J.ses, aCId each day's Purcllase Balance (mcludmg dally finance charge) In the billing cycle and diVide by the number of
days In the billing cycle To determine the average daily balance shewn OIl your stalement for CUSlom cash advances add each cay's Custcm Cash Advance Balance (Including daily finance
charge) In the bltllng cycle and dllllde by the number of days In the billing cycle To Cle!er!Tllne the a....erage dally balance shown on yo!,;r statement for cash advances, add each day's Cash
Advance Balance (mcludlng dally finance charge) In lhe bl,lIng cycle :md JI,ICe by Ihe number of days In the biIImg cycle You car< mulllpty each of these average dally balances by the number or
days In the billing cycle and by Ille appl1cabie dally peflodu; rale 10 obtain sub:otals, and ~hen add lhe lhree s:.Jblolals together to determine tr.e tctal amount of fmance charges on your balances for
the bllhng c:ycle
The term "Frlme Rate" a~ u~ed In this ,\greemenl means the hlgile~l prime rate published In The W31/ Streef JOumCl/ on the flrsl bUSiness day of tne prevIous calenaar monlh Any Increase or
decrease In a vanable Annual Percentage Rate Will take effect on the first ClJy of your billing cycle and may resullln a sllghllncrease Of deCrease In the amount of your minimum p3yment.
The ANNUAL PERCENTAGE RATE (APR) for purchases Will vary and m~ybe adlusted each bIIImg cyc:e uo to 7 9% abo....e Prime Rate, but will In no event be less than 139% USing thiS
formula, the APR for purChases ;n ttle June 1998 Dilling cycle IS 164%, corresPOnding te a dal!y penodlc rale of 0 04493%
The ANNUAL PERCENTAGE RATE for cash advances wllI....ary and may be adlusted each billing Cycle up to 109% above Ihe Prime Rale. but will In no event be less than 169% USing thiS
formu\;:l. Ihp APR for ('"Jl$11 Adl/einrp", 111 !It I' Junp 1998 billing cycle IS 19 J% cOfresoondmg 10 a Cally O€flodlC rale of 0 05315%
We reserve the flght!O cMange lh~ Annu.ll Percentage Rate c31culilllons If you do not comPly wllh the terms of thiS .A.Greement
Gnce Period for PurchOlus. New purcna~es posled to your Account In billing cyCles Witt', no prevIOus balanr;e or when l:-:e prevlousoalance was fully pan: dunng the cycle, do not begin to Incur
a rln.!J[lce ct'.arge until the ~tar1 of the ."IeKt billing cycle You Will pay no finance charge on :.uch new purcr,ases If you pay the tctal new balance In full ty the payment due date shown on your
statement New purcha~es posted In any olJJer bllll~g cycle Incur a !Ir'lance chJrge Jnd :h('re IS no peflod:n whlcr. such purchases may be repa,d Wllhoutlncumng a flnar;ce charge
..'.......
Ftes. We Will char-:le your Account up to mTor each Ca.~u .;Jsk us to re~iac€' C3C~ re!urne1 payment Check, each cneck you wf11e on your Account lhat we return unpaid, each stc;:: payment
order Of renewal of ~uch an order. each billing cycle Within wnlch your Acr.o~nt,~ oej;~cuerlt (Iale charge), and <;3cn b,llmg cyc:e Within which your balance exceeds your credit line, even If your
Account IS closed If you le:lucs\ COPI('~ of billing <;lalemenlS tM! .....f:'re r.r~1 ~(>nl to yOU mOfe lhan Ihiee monlhs earli€i, we may c~,arge a handling fee of 52 tor eaCh such copy
Default. You Will be In cela"lt If 3P~' Information you ~rCVl',)~:j U$ prclV\'S 10 to/:' IOc.:.m~le'''' or unl~lJe If you ';0 nol corrpiy wll:-1 Jny pan of thiS Agreement. upon 'your dcath b2nkruplcy, or
111:';ol....ency_ I' you dO f10t py D!h~~ oebl<; when Cu.!, If 3 t'3nlo,r...C1r.y ;'t.'Ii:lon'~ hle<:: t,~' or ag:.llnst you or If 'lie belle....e in good faith :hat you may not payor perfolm your cbllgahons under Ihls
AQrt>ement. If you are in default .....e may, wlthoul funher demanC Of notICe, cancel yO..J: credit prl....lieges, aeclare your Account ta~ance lr.1me<Jlate~' due and payable, and use any remedy we may
have In lhe 'i'vt'nl of your detaull, U!e out~t3Mlng balance en your Acco~nl ~~.all cot"llinue Ie accrue IntereSl 31lhe APR(s) clsc!csed In 1t'.e Finance Charges ~eclion of thiS Agr~mef\l. even If
we have fllt'd ~ulllo collecl the amoullt you owe
Credit line. Your credll line 1$ sp~c:rlo!'d from Itme to ltrr>e 11'1 a ~.eca:ale ncllce We ma.... Increase or :::ecrea5e your W:(llt line ta':Jed:;n tnformatlon we o~t.3med ~Iom you or your tredll records
Your available credltlfo nOlrni'llly ttle dllferenc~ bt!wf;'en yOlll Cfedlllme and yOur ACeJlJnt balance (lllClud,ng Irano:;aclI0n':J mace or autMnzed but not yel ~osledl If you '.iend us 3 large payment
cneck, we mDY limit your avallablf.' credit whl~e W€ confirm tll3t the cltetk ~'III clea! For cert31n :rar.~3CllOr.S available cre-j:t mCJ)' be less YO'J Will 1'101 use your .AcciJl.:nt lor. and we :nay refuse 10
honor. Clny t~3n:';)cloon which would C3:.:se you te exc€"!c your 301aliaoie eM11
Promin to Pay. 'fou prom I''',> \,oJ pay ~I:; wh(!r1 due 3:! ;}~,Ouf".t~ :x:;rrcwt"j when y-'lll or ~ome'Jne e!::.e use your A':::olJll! (even If :he amount charged exceecs your permiSSion). all other
tra,'sar.IIQf1';; .~n(~ Ch<.i1gt':' 10 y0\11 Ac(,()unl ar,d c:)llt'c!,on ::c'~;IS iNe Ir.cur Inc1uClng_ cui ~ot ilm'!(>d 10 'f':J:.cr.:ILle 311::w1ry"5 fees and courl Co~ls lif you win the sUll we will pay your rea~onable
Z;llorn('y'~ I(,f'~ ;.'lC c,JU!~ ;':c:~,~s ;
Changn. ANI;f .....1. ~JrCvIJr: '10" ;l~';i ~r:,lII_e ~t\Guil(": t'y !;J\tl ~.w m.:w C~;I.~';e J~Y ;W~ 'j :hr:'; '~r;r._~r.'t''11 3p..:j ,1.~j Of .(;....,C\,,~ 'e~ulre~t''1tS 1/ a C";;lI1~€ '~":ia.:lf;' ~o ihe Fin~nce Charge$ ::ecllon of
lhl:' Ag~('t'ml:nl, It'.e 11('''' fm<i'1p" ;Jl:lrgt' CUIC~IJllcn WliI3f-r:'y'~';: yl",UI efo!.'e Aa~unl :;,I,':l~((' ~'Dm ih!'; t~11(,',::ive C:.lte ..)1 :he chan<;:e ':~a";(,~ Will af;p'Y to tal;:lI1CeS tt'.at !!!5:!!.!Q~ ,tp".,~ :Y1~tP\J 10:&!lL
~\.~~~t1.~:!.2!.fJh~_.,tjJ.~.~~!":'=!L,:::L'1i~ a'td Will 3P;)lf ,^"I(.t"~~, or '1c'l \'fJ\J ("o~linll~!(' t;'"P Ihf' ;',(='1111:
Forrl9" EJer.angeiCurrrllCY Conv<<:r:;.ion, I; you u:... y'OUI ell j 10' 11.1n~Jcil(!I"~ in J C...Jr'(<IlC'( 0t~i('l1t',~ln U S ;.::cll~rs ~r."! :r:m::actl(Jns .....II! 0; COnl,e~('d to U S:JolIJrs general!y u~ln9 ;:lt~eI3 (I)
governt'\'lt'n!.rnilt'lCJ.;If'"'"j lillt; or (II) wt\011'~;1il' mJI~el fa~t' ,n t.~/.,;t the ,1.~~ rdor~ :~w !!~'1~,;;C:lI0~1 ,,1,)((':::I:t<; ,:o:e, mC:f'J~I.": tv 1M:, ;:~'cer1: t5%1 If J cr~<j::!s :'1...bsl:(Juer.tly gl\fen lor 31r3~~actlorl, It
",iii be 1t'crt'.J!..t"C b\' 1~1t' ~:1~:t' ~'<("Ct'''I1.-'\~e il tto~ Of"1:! 11;t:..)l ,:W.'IP'it ~11'Xt'::.'n~ ;~.\ir'. !~-I<:'.'1 I'll' t'~::~,.j~9t: ;.:Jte 01 :"';> C~I:"~ll ::J'1 be ~:eJl';>lili'~~ :har, th31 0::1 It'.t' ~ogil"\ai tr3f'l:.a(110n '~1P. CUlrency
convt:r:'lon 'ale on tl,l." d.l\ tJt-lolt' lhO' ~r5fl:..1ctIOI'l pr:K.~'~:.:nq ,-:':ilP mJ) '_~IMrr II'J~< t~'1" :,J:'" ill d1t'cl::;t Hlf lime 01 the ~rJr,::JctICI'I or ::1 lhe J3le t~.,.;> lfanS3chor, I:' ;:'ICsted on jour A.ccm;l'11 l'ou
a.~I~'" 10 ar.Ct>pt the CO"l~l''1t"",:l amou'1! m :yl S JOllal:'
The Cud; CanCl"lllitior;_ ~ ~l~' ~,fl\' camrl yOdr "fl>(J,t ,JI~I"'J"'" ;ll :1'1'{ !C, t)' ":;.:1'\ I~:" c.:~ ,n writ!:"; .:lnC Jl-':',trO\'1:"I9 tt'e Ca~:::::~) L.rQn the Cilrd e~~Ir:JtIOI'1 31 \~t' i'lie oll11e monltl ~hOwn Of" ;t. we
If'!,f"vt !!)t> rl;'11 ",(,11(, 't'f\f'W I',t' Ca,~ \'... r"".JV :;.lrlC.('l it-,,,,: Ji::: :1:\':; ,hfI ~.:t':J:: ~""'I>':.>~; ij! a~~ tl~," M!t.! 30 ~';'S 'lcllce to i()U JI WI!hCl.t notiCf' ,f p~':mli!N~''( :<!W :t ';oul Card IS ~ancelled or
I'lOt !~li..W"': -1("';JtI(t' c-',iWl"~ J~e ~,ttlt'! 'l'''~ ~Ii] U"l'll~:li" :, ~~ J~,~i"_~"~ p'T'f1"';'~ y,'i: ,:,,:n~"IJ( :..: ~'"" '::~',," ,lr~ :'.I!I ~ltt"1 :lr~,I,C:r".€ ;::;r:-vl~IO!'S 'J~ t~::, ..]'_".,.~"'t w:l1 'e~Jln in e~ecl ,1 yOlJ
h"lftlr,,;jI,, ~':>;.I! .!"'jd i"'~''''J'''" CJ' ,I",...; :1~1(1'1 :;1 Jr. n,;~ .,.(,t'. ~11t' C,j': {II,' "',h ";- ..c~'" ""~I'."'.', ~,~ J~' ,'1LJ' :<~:LJr1 J'I-::/:L.: ,'1:)\,;1:1 Y'.;t!::>'i :J",v ut't,:':f"~~'"'c~s,,,..e rave ,~::"'t',j Ie ~.ou
/" ". ,.
Personal Information; Oc:uments. 'fou 'NIl! ;;rcvlce IJS at .e.J';1 10 CJI'5 nCllce ,I '/Cl> .:r'1Jno;e,'cur "'an~e hOme ,)1 mJ111r:9 3;:::-:~~ 'c't';;r.::r:e :'1l.mt-:l~ ':!mc;cy:r.er~1 ;' Irc';r.-.c __c.;r :,1 ..
feQut'sl you '/1'111 c,r,;vlce us aCCI!ICnal fn"anclalli,lorma!lon We re:;~rve !l'1p. [Ighllo ,;t!:M ,n:Qfm;l!lon 11c.m ~!Mef:; Inclucm'1 :~~:: r~=Grtlf\g agenc:e:; and 10 prClJlce your JOcre~:i .~nc 'n/elm3!ICn
aoout yo~r ~c::ount 10 ether:; W~ ~1v 'il:;i) :t1ilr~ .ntl')rm:'ll,r,n with '~!dU!.filial~S Hcw'>v"'l 'lOll "'Jv 'J<f1I~l:2.l.u..~.Ui!L IIIT'O> '''~~':;,~~:''r: ,;:; 1101 bJ :~'::lr~ r:~eljl! .nf.::lm:'Jlrcn WllI'1 :"lJ ~lH3te~ if ','Ju
00 n01 lul'lll ycur cCbgallons uncer it'W: Agreement a negative c:ecllt repcn !rial may rel:ee: o'~ '/U II Cf,,::~ may t~ :;ucmlltec ~~ 'ne c:r"=~11 It!Portlrg agencies
Custome! Se;vlce; Unauthorized Use, Loss. or Theft of Chflcks or the Card. Eac:,. Card mu~,l te .Ignec on r~~e!pt Y-:L. 3re r€5c~n:;lol€ lor safl'guarclIng tne Card your Perscnal '.:e"'lfICJ1ICn
Num~r (PIN 1l'~lcn crow:es access to Aulomated Teller Machines) anc Jny cneCKS :SSl:eO to you frem :rlell and o,eepmg 'I'r::L.r Plt'l separate ~r:m y~ur Cara If you Clscover ~, su::::ecl tMI
your Card PIN N any unused C:'lecks are lost or stolen or ~hal ~here may ~ an unautl'1CrI:e~ trJn~actlon en your Ac:cunt ,':u 11'111 :1':rT'Clly nOllfy u:; by c31hnq 1.800.933.1221 3.:1 we ':!n
Im,"f1eOlately act:o limit !csses and hz,C'illty you will ~hone ...:s even thcugh you l'lav 0315<:1 notify us In NrI:lng Your Ilatlhty fer ..;i1aL.:~cr,::e,j use cCClJrr:11g t:etore yeu nollfy us IS Ilm!h~(j 10 S5C' 11 yeu
rep:lrt or we suscect unauthorl;:eo use of your Accounl we mav sus~enc your cteclt pflvlieges ~nlll Ne resolve Ihe prGCiem I,: -:ur salls/actlen or :ssue you J /'Iew CJrd If your CJrc IS 'cst or
:;tolen, yeu Will promplly cestroy all cnecks In your pcssesslon i" 0 Improve cuslomer service anJ seculily, you Jgr~e 'Ilat 'ie'~r:JIIS mJy c~ mcnltor\ld or reccr~ed
Merchant RelJtlons. We '11'111 nol be l1able If any person or Automate<! T €lIer Machme refu~es to honcr lhe Card or acee:::t ycur.:MCKS. or falls to rell,;fn the Card 10 you We have no re~oonslollitf
fOr gOOQS ~rld services "urcnased with the Caro or cnecKs except az ;ecwreo by law 13ee Sceclal ;:;,ule t:elcw J Certain cenell1s mal Jre avallat'le wllh me Accounl are provlcea 0'1 lM:N:ar~y
vendOrs, 'Ne are not respom:lt:le for the quality, a...allaoility, or resullz of :my of the ~ervlces you chOose to \.ise
Stop Payment Orders, If you wish fa s~op payment on a check, you may send us a Sloe payment clcer by WfllJr'lg 10 uS al .:ur Jceres:; fer eus:omer service listed on your slillel'T'ent 'feu can
make a stcp paymenl order orally by calling the numcer liste-: on your statemenl When you make a step :::ayment orcer, ,.ou must provlCe 'y'our Accounl nUinber and specifiC Information acoul ~he
check .the e~act amount, the date on the check. the name of tt1e parry 10 whom 11 was payable. the name of Ihe ~erson whO ~lg:'1ed It, and Irle check numCler You Will be asked to confIrm ar, oral
stop payment order m wnhng We mav dlsreaard your .Q[al order If we 00 n t r C Ive. I np w~lll n A nflrm lIOn Wltt1ln twt" 'N<><>ko:; 3~er Ihe oral order or If we ha...~ not received an ace<::uate
deSCrlpllOn of the Item so that payment can oe stopped ne orOer Will :"101 Ce er1ecllve Itlt1e cneCk was palo oy us oelore we ~ac a reasor.aole eJ:~ortuMy to act on Ihe order We may wl:hOl"jl
lIabihty. clsregard a wn:ten stop payment order SIX months after recelpl unless IllS renewed In wfllll".g
Sbndud of Care, 8ecause thiS Account Involves both credit card and check transactions whlcn are processed Ihrough se~arate nallonal systems before the transactions are consolldaled by us,
and because not every check and Card Slip Will be sent 10 us, tra"lsactlons In your Account will be processed mectlllnlc-ally wllhOut our necessa~lly reviewing every Ilem OUf processing system '11'111
call our allenllon 10 certain Items whIch we Will examine We Will examllle all transacllons when you report 1l1at your Card or che-:k$ have been lost or stolen We do notlnlend ordlllanty to
examine all Items, and we Will not be negligent If we 00 nOl do so ThiS rule establishes the standard of ordinary care which we In good faith Will exerCIse In admlllrstenng your Account. Beeause'
of our limited review, and because neither your cancelled cheer.s nor Card transaction slips Will be relurr.ed to you With the month~ slatement, you sl10uid be careful to enter <ill checks In your
cheek r~lster Oiotherwlse keep a record of them. You should also sa...e your credit eard cash acNance and purChase slips You aOfPe 10 ch!'Ck vOur monthl.... stalements 3galnsl vCt.:r ree-ord and
to noh~.. uS Immediately of an.... unaulhbrl7.l"d traf1S::lctlons or errors
Waiver of Certain RIghts. We may delay or waIve enforcement of any prOVISion of thiS Agreemenl wllhout losln~ CUi nght io enfcrce II or ai'_Y Olher prOVISion later You waIVe' the ngh: to
presentment, demand, protest, or notICe of dlshoi'1Qr: any applicable statute of limitations, and any fight you may have to req'Jlfe us to proceed against anyone before we file SUIt agaInst you
Applicable Law; Severability: Assignment. No maner where you lIVe. thiS Agreement and '(our Accounl are governed by feeeraliaw and by New Hampshire law ThiS Agreement IS a final
expression of [he agr,eemenl between you and us and may nol be con1fadlcted 'Oy eVlde:,ce 0 any alleged oral agreement II any provISion of thiS Agreement IS held 10 be In...ahd or unenforceable.
you and we Will conSider that prevISion modl~ed 10 conform to apohcable law and the rest of lhe prOVISions In the Agreement 'NIII SIIII be enforceable Al any lime after we celermlne \11 good faith
!hat any proposed or enacted leglslalton, regulatory Clcllan. or ludlclal deCISion has renceled or may rencer any malerlal prOVISions of thiS Agreem\!nt Invalid or unenforceable, or Impose any
ncreased tax, reporting reqUlfement, or other burden In connection With any suct'! prOVISion or ItS enforcement, we may, after at least 30 days nollce to you, or Without nollce if permlt'ed by law,
cancel the Card and your Croot pnvlleges, We may transfer or assign our nghllo all or some of your payments If slate l<Jw requires that you recel...e notice of such an evenlto prolectthe
purchaser or assignee, we may gIVe you such notice by filing a finanCing slalemen! With lhe state's Secretary of S!ate
Notices. 01her nollces to you shall be effecnve when depoSited In the mall addressed to you at the i'lddress shown on our recor~, unless a longer notice period IS speclned in thiS Agreement or
by law, which penod shall start upon mailing Notice to us shall be mailed to cur address lor customer service on your statement (or other addresses we may Specify) and shall be eHect1V(! when
we recerve II
YOUR BILLING RIGHTS _ KEEP THIS NOTICE FOR FUTURE USE. ThiS notice conlan,s Importantlllformalion about your fights and our responSibilities under the Fair Credit Rilling Act
Nodfy Us in C,se of Errors or Que.stions About Your Bill. If you lhll".k your bill IS wrong, or If you need more Information aboul any transaction on your bill. wnte us, on a separate sheel. al our
adclr~~ for customer service listed on your blil Write to us as soon ,3S pOSSible We must hear from you no later than 60 cays aner we sent you the first bill on which the erlor or problem
~ared You~n lelephOne us, bul domg so Will not preserve your fights !n your leller, give us !t,e follo.....lng Inforrr,atlon - Your name and Account number .. The dollar amount of the
suspected erlor .. Descr:be the error and explam, If you can why you beheve lrlere IS "n error If you need more Informallon, -=escrlbe lhe Item you are nol sure aoout
Your Rights and Our Re~ponsibifities After We Receive Your Written Notice. We must acknowledge your letter Within 30 cays, unless we have corrected lhe error by then Within 90 days,
we must either correct the error or explalll why WP, believe tile bill was correct After we rec-elve your letter, we cannol try to c:lie,:: any amounl you question, or repoll you 3S ~hnouent We can
continue to bill you for the amOUr'll you questIOn. Including finance charges. and we can appiy any unpaid amount ag3msl your "eelt IlIle You dO flot have 10 pay any questIOned amount while we
are m...eshgal'ng, but you are stili obligaled to pay the parts of your bill that <Jre net In ql.lestlon
If we ~nd thai we made a mlslake on YOIJr bill. you Will not have to pay any finance charge felated to any queslloned amount If we eldn'l malo.e a mistake. j'OU may have to pay finance charges,
and you Will tla\.'e 10 make up the mIssed payments on the qu~slloned amount, In el1her case, we will send you a statement of the amounl you owe and the date that IllS due If you lad 10 pay the
amount we thmk you owe, we may re~Qr1 you as delinquent However. If Oi.lr explanalion does nol satls~ you and you wflle:~ L:S 'N11~lIn iO d:lys telling us thaI you stili refuse 10 pay, we rT:l,:Slte!(
anyone we lepoI1 you to that you question Vour bill And, we must lell you the name of anyone we leported you to We must tell anyone we report you 10 thaI the matter has been setlled between
us when It finally IS If we don't follow these rules, we can'l collect the first S50 of the questioned ;:lr.'lounl even If your bifI was cerrecl
Sp~d,' Rule for Credit Card Purchases, If vou ha...e a oroblt'm wllh the Quality of lhe pro;)erly or services lnat you purcnased with our c~edlt c"ud and you have tried In good f3llh 10 correclthe
prOOlem With the merchanl you may nel have to pay tne remaining amounl Clue on the good:; or ser\llces There are two limitations on thiS fight (a) you mList Mve mace me purcnase In your
home stale. or If not wlthlll your Mme slate, wl:hln ;00 mile:; of your current malllllg addre~:'; and (b) ~he ~L:rchase price m~s! have :een more tt-,a:' S50 The'3e limitations do not a~~ly If we own
or opelale the merchant, Of If we mailed you the 3Cfvertlsement for the ~rq::e~y or sefVice~
,~
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EXHIBIT
I · 82 ·
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VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK
Plaintiff
CUMBERLAND COL~TY
COURT OF COMMON PLEAS
VS
LINDA J. KEEN
Defendant
NO. 99-2638 CIVIL
PRAECIPE TO MARK JUDGMENT SATISFIED. SETTLED. DISCONTINUED AND ENDED
TO THE PROTHONOTARY:
Kindly mark the judgment in the above-captioned matter
satisfied upon payment of your costs.
PARK LAW ASSOCIATES, P.C.
.'
,
ENBLUTH PARK, ESQUIRE
for the Plaintiff
PURSUANT TO THE FAIR DEBT COLLECTION PP.ACTICES ACT, IT IS REQUIRED THAT
WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY
INFOm~~TION OBTAINED WILL BE USED FOR THAT PURPOSE.
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