HomeMy WebLinkAbout08-7157IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
American Express Travel Related
Services CIVIL ACTION
World Financial Center
200 Vassey St.
New York, NY 10285
Plaintiff
NO: 71517 aw?l -l em
vs.
THERESA RAMOND
219 EVERGREEN DR
BOILING SPRGS PA 17007
Defendant :
NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice to
Defend are served, by entering a written appearance personally or by an attorney and filing in
writing with the court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so the case may proceed without you and a judgment may be entered
against you by the court without further notice for any money claimed in the Complaint or for any
other claim 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.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE.
MIDPENN LEGAL SERVICES
401 EAST LOUTHER STREET
CARLISLE, PA 17013
717-243-9400
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
American Express Travel Related
Services CIVIL ACTION
World Financial Center
200 Vassey St.
New York, NY 10285
Plaintiff
VS. . NO:
THERESA RAMOND
219 EVERGREEN DR
BOILING SPRGS PA 17007
Defendant
COMPLAINT
Plaintiff, American Express Travel Related Services, by and through its attorneys, Edwin
A. Abrahamsen & Associates, P.C., complains of the Defendant as follows:
1. Plaintiff, American Express Travel Related Services , (hereinafter "Plaintiff") is a
Delaware corporation with a principal place of business located at World Financial Center, 200
Vassey St., New York, NY 10285.
2. The Defendant THERESA RAMOND (hereinafter "Defendant") is an adult
individual residing at 219 EVERGREEN DR BOILING SPRGS PA 17007.
3. At all relevant times herein, Plaintiff was engaged in the business of extending
credit to potential clients.
4. Defendant applied for and received a credit card issued by Plaintiff with the
account number 371575405991003.
5. Use of the American Express credit card was subject to the terms and conditions of
the Cardmember Agreement (hereinafter "Agreement"), a copy of which was sent along to the
Defendant with the credit card. A copy of this document has been requested from American
Express, and will be provided upon receipt.
6. Defendant used the American Express credit card with account number,
371575405991003, for purchases, cash advances and/or balance transfers. Use of the card in this
manner constituted acceptance of the terms and conditions and subjects the Defendant to the terms
and conditions contained therein.
7. The Defendant was mailed monthly account statements relative to the Defendant's
use of the subject credit card.
8. The Defendant defaulted under the terms of the Agreement by failing and refusing
to make monthly payments on the account as they became due.
9. The account became delinquent on April 18, 2008.
10. The principal amount was $$16,456.48 at the time of charge-off.
11. Pursuant to the account agreement, any unpaid balance accrues interest at the
contract rate of 6%.
12. The principal amount was $16,456.48 at the time it was received by Plaintiff.
13. The total amount due and owing the Plaintiff including interest, is $16,702.65.
14. Pursuant to the terms of the Agreement, Defendant is liable to Plaintiff for court
costs and reasonable attorney's fees.
WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the
amount of $16,702.65 plus costs of suit, reasonable attorneys' fees and any other relief as the
Court deems just and appropriate.
Respectfully submitted,
Edwin A. Abrahamsen & Ass
Heather K Woodruff, Esquire
Heather K. Woodruff, Esquire
Attorney I.D. Nos.: 86285/207805
1729 Pittston Avenue
Scranton, PA 18505
hwoodruff@eaa-law.com
hwoodruff@eaa-law.com
VERIFICATION
I, Michael F, Ratchford, attorney for Plaintiff,American Express Travel Related Services,
am fully familiar with the facts set forth in the within Complaint and am authorized to make this
Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are
true and correct to the best of my knowledge, knowing that any false statements are punishable
by law pursuant to 18 C.S.A. 4904.
Hea her K Woodruff, Esquire
v13 670650 7/19/03 5:02 PM Page 1
Welcome to American Express Cardmembership 'II
lhlt locili criotwilbe:k1T 1r?Li+?Cli;y, :gq;knxmis)cu:nii^tt:•Hnlf :if
.Agrexow.mt. Please reall alai keIli dais Agril" i,t .Ahi(k• by fn trmc.11mi m
uu keep, sign or IMP tl'+e Cant Mutt In'•vl! (incl,kline ,a rm)cual nr f
replacement Car:k). tx mu rase elk hL'Cnurt ,bgIri:r+td yi111 tlis AgmrnK"It t
(tour -hxmmII" I; mu agree to I!x 4n,s of lhk Agn mm?t'dhe words w
`41111, ? '\'m11`? ald.'n?x11S ? n1C]n die pC.Yrn ll'?xt i+ppliczl kx the Aar?url h
aid der imrstuh W w?tan wr akkias biliing,ak4rniahx as w\dl ;a anY Plisrln '
wio agnrs to be liable on the Ai1r?nt.11le "R:sic Cardinernbef , is the a
person wino opened tA: Acrnunt At ynnr ruplc,, we more olio usue a f)ard
oil vow ACrotmtIli another hxmelan"kklifialeltanhTK•IlIxr'i.'nx In
tent "Card" reCrs to to Ann ic+n F\przs` Card k"Ied In tlou, al alxe
Cant, i staxl on tour Account . and am, other dente (soil as Amount a
numi+:is) with which gull tun acme your.k mnl. and " tty' a
nfi•rtoAnLhirrriispiezOmhukx Hank,!IxissuertdmurAtcolmt. I
Using the Card
Yon stay ow Ifx1(:ofd ! t ,Lain g/CKfS a l,f 0.11 CS- fNIli an\• Ti e, wIt,
amlms life I'- Inn. Tr nsarlkL, heal InA& in r+splal4(: In ptrwnaknnh rdfiom
Iran usaill ksiihjrd h1 ilea Icrnsd lire faiootkm oriel )his Agmanctu. Ail
anh:nuntchorx..txrinurkiixmtnxiudingdurfusfar)xu6135f'.annual t
Ic.is), if a:n, am anm:nt. guaranioxl he nw of the Ganl odor fees. and
..r•. Pinan+x Cha+lgs.:ue "t`hargs" Torn agree not in lei an I isou irw• a
G:rtl ear:gn a f.IrtMxnilxx wdnea: mare is ou it torn .,gnat b rkxih? iti if the
i;anl is lest (x d+tklt ur y(xi gtkxCl dr•.I it is being used wihhaa ;•txu
?xrlnt; ri+wn. Yrxi agnc to UT dr Arcane unh for purduats that a e I;ndid
oriel::n•IKrtntkdulwkrlhisAtrtr=rx:ni i.s[xplasakrsimnglliiulix
applicable low. we will 1xA?x• fopri irile if any memhanl re In ixntnr
the Card or fur amr other problem }4111 may have with a nxihdnan;.
'i'he Card 11'Z no pn>sd Sl)eraling Innis f CII (11ar•A• is r:ab+axsl fa light ref
"Our sImuling and flax ream lrAliemi oil ;lour M+xa,nt :red otxr ar1?xnlb.
.x,u Torn Inane aflh its and our affilinies, your cnaii hfsxny, including
,„sfxnirala with ndvr ocdf tors, and \nur pcranal nsatnxs knt li to 111. \k .
nsene the night it, deny ;tilt mlisa1 km ainhorw3firnl hx I Clarlti We may
obi nplest additialaf infori:lien fm n tvu at any tine.
Wt. nay isaie too rello al oi' mplaeYmin Cards bu on a pled ash i6aTl
(,art mJ41ts.
Ihanxs
if hnil o, art kkinimiall Ciadnxniber Ouf It ize it thine pant to lilt
on ;t nrurring 1lasis to 4ninf kuni 111 tlitlairring I:h;ing'(ii ' )• 0.l'roar dirt
are im ,tifoimf Ina pn,vid och third pan( with wwr ou niti.liantm'.
it li. Card number muVnr e\piratirn dak• to P•mlit that thinl narri in
t:unliniL'i?ildirewur:kronal V\i::n;n.n[kc•sta:hstfiaCiu,lwuraaratr:
1111:16x•1 ehint eh a if wt it`im a 1111mld c mll:amart Caa1 Inxnn or an
Aeilititmai Ca,llihltmxr To aitid raw attLor mikwl !er a Retuning t7larP,
trot; inur_ otillft hhe inmh!larr
Promise to Pay
You pnxnise to ter: all Charp. including Chargci inplndl It, Ailditkmal
CatdnKnikR. nr Molar Arcount.'niic la Denise iildtkks any C6arw for whidl
trru or ml Additional Cant mniber indiakrt an into t In in eur the Change,
earn if vur or Oil! Additional Caidnxrnber have. nol sipwd a ciaq, form or
prestaittd Ole Card. Yeti also prfanie in Ina ariv Charr incurml Ina anyone
that tot or an AMifialal ranlrmmlier ita use ;Ili: Grand, even Ihxq h ill u
h;nt agmd rot to let anyone 49L, use the Card
Status of and Responsibility for Additional -Card- -members
Alditioal Girlmemnirrs do non h:nr accounts. with its. laslead, lien are
auihoriml risers nn Ynar:Mxlxuut and the Cards issued to ten, mac Ix
ancllc.:l 11;. you or us at ,Inv little You must mitify its if, revoke all
Additional rudn eolIVI'S r(:mnbiI K,r+ ill use ylanr Aaouut You am
nr.,pomihlc under this Agreern nt Wall hue of into Acrxtnt by the
Additional Cal dnnemlten. anti h\ wroo • cis( you o an :kklliahAl
C::rdnvnnc?e Irks use Ili(, t:Incl. and file Chanc es th(1t inOff will he billed
ft. roll. ion have this n11,onsibilih amen if cnu dill nob intend for an
.41nional Cudnwmbce or nihtr ;xrw)n, to ieV: the (:arJ fof Inv
lrans:xlirnn.
411 AIlmonal Cantnx mice is not hiahle fill ChontS bK 1111141 by the liffiIC
(,ardillen)lKr ill It,. Mele'e' Alldffirwal Ciffli enilmr;. f owzr. by eadi use
(A Ole.Addniomnl dial m incur Charges. the Aklittaiul Cardonembr
indiff,ms ifs or tier agtrennetn to pap us fill fhc Change if yon fail to or
refum to lei, it. and weer may, at our des re[kxn. Punta: Additional
Cinlnxmnbers Inn pate plot id C.herges Jim incur or iudonhe You
autlnri7.e us to Pmefdn Z,011iI infnrmaHal fo:kkflional C nklurnbers
and to discuss the Amount with dienh.
You a,= it) muh: each Additional Cardmernbe at Ole time Ile nr s?e
bcroirwS an Additional Cantnrdnlxr, thatwn mxy reotm. nerd. vdnange
oral Ise itfM11131 o atom: him (x Iter in the sanr mainier we do with
infoimati xi ah.x:t inu. ;l. (k.+xibal fmkra• in the l: i,ki??R RRI'r)R1N.
'f1;1.E1r1101(li i+fitr,l'll)Rltiu/ITfDHDltdi In+l SGSPIT:SItM./
CA'iCfil!AI'lOk s:;li?rls+f hill Agmnen!
Flexible Payment Features
we mot cel?tse ton, that v& linie aslkd or Inge edit oa•,x mint'sirrial
plan; to r rH k11 iii th t Ixrn ya; lo\ical millent oil are us Charges
ik-aota ld l...b !:r [Ills Aria. nt nt. (•A(AI of t oe,9lial plain ts called a
"1+ean.m,...lhi?u: G ?(um<iiuiiak', bw.n! am rani Iimil+yf o, Si:.n R hrael;'
:.IC•lxkd i Jtnx rat ;grEinn. i'1 sSckxl ":uxl ai'Liiu ixoin tiros;i nltrs ivc
may make.
.k, '!'rn*,d a tom lmmnits y(ui, if d'rgt h. to iAla a p ranKrn Hr
dine eck+ss. cndw diq? Ikllis. pnlaid uur Packa?rs, detain Charges
a de a as de d do 1: niLd Seta grid arv tiller (1)arlxz cksignakd to ui.
,6m k) l? Ibis Ib iunm, ff wi an' chgfhie, tnu nn: eit mr i;h ise file
rn i agent. aidini, ur (Aber Imttl iNlnsin Toewhal:ll than toll \ ish kink, 54,
lien ghing vin li minx number fnr pa vitle":hh at tl,e olli of purrhist. (r
„khv alter Pro+lahIrs pr(se6KXl by' is
n e lakL iJIl,1 PIninrtl opliai 1?ennits Init. if eligible. Ili indeed -mynKUt kr
it eoglth Chargs b%2 alining sax: tine dial ytxi wi51i to do sc . if the
akue is,41.11 ro 4niur k?anunl, alt (g your ebgilde Cltirges will he billed
Ida the fumnxkd 1'avillent Optku, Feature of tlaur Araxmt Eligible
f?lar?s nvans tlmie individual Cap" that are at or ad)ae the dollar
:rlnillil tlisd(xrd in 4411 wiHa1 men envolI IIt this fe7.1UrC, of 211'. d!rr
i pmt ricrignated In his. The kill(Aving are evunplrs of ChamFs that am
NI chi;lbfe Charges YtnrCSS C 5f AneriCam fapmsi` Traxiers C?A"gas
Aorrican )aa,.q s" (,iftCliglmc Vnivilegul R\w^a' in*,uruha, n.d +',tnm
aryl aher kartmions d0milia4l by, a;.
Ism Fk•4kitd Rmlore p inhhts } xt if r ligiblr':;d hgon nquea. to CWT19
parneiIt of die pay'-m-hill bala,a:, or a pox ion 11rill f. dial 311IMi5 `41
an ietilgsiakrr xrht fhc minimum airxxuni fill which y+xl Tom c\kTd
px1neul of any ilonkal (A W-ur lily in Mull ha allec in afte"n is S HM
nx Rank mar change its dt O'Xinto of what Charges am eligible fnr de
Sign !F'fraai .A(ranil andra the f alcak\I !`x}in, n:Olaiar at alit little.
Jill Charges that am Ixa eligible ha cxmAell paynxnt or ar (r:.l' rA•s°
el igibledargeshr wWell you h1vu dullainle) tsklxlpatnk.ntwilltm
dui' fib full upoi,,Rir muipt (( t1te billing uatenxnl. Ad+lfiniially; am
C,lhanys 111Cit,MI Ix a Canlnxinbmr ale is nor elIgible to list- ate of elm
i•cautr s will alt, be (hue to full ulxxi ) our nr\ala +d tie billing siaksrml
Billing Statements/Amount Due
You mu, nxai(4la imlrKiliakit of airy hang, in tr niaitirgcv -nzel
a!drm iu wfiirJ, we s nd idllkngslaknie :ts a ix O xti dnx a biting
slailoKrnt has bell Ixsidl ("14illilhg.Addret??. If thane aisle a iHftingAd(kts;
drangr 1n pqH}'to ??m than err oil+xut wu niainzhin wide n tut nn st
kit as. Y'a[ agnc tat ore m:n ass, upd:rk that Henning kkklas t we nreive
inflnnati ni that }4wr P Ring Aklnas has clan yal err B iumivmd. We avilk
those tifiia of lf)M1 Agreeni(!ill tllill 41m M: Stile aNa(lling m irav ng
:kklrss- YCiLrt wr: nr 4c ink1,'nh;ifkm ?b:u \ixl Inane dianlrrl ;tau 1HI!ing
:4klr,?slhta tcrnl dUdsAfpr4imolthatMar dlrrxlingondx? tiknf
4,au 14illi,ig?ikklr-ass: will :q,Ph'to tir,7?lim k,larxe d nxv:i+>xxm!..
inKlniing txii;i!ge l+.alnxts.
1;;,rjI frilling stajeine n,till w(kel wkly 13,01-ark-avid- d KHV b:hi uxe
indlaks rharss trxvm4l rat an-. Ftatum a Minimum Anuunf 1Tm.'lir. `Anx,u:ni lone" k der k)L•d of (it all
C+targ+x ai inx;r AaTUnI nfhtr lh:an
Iliuxcwcl:red'aiJn1`ca;nn-?.^.I:a;d:tlr,V!ine•n,.1A.n u ni)!u•
tikstnhll ixkn) for ain (:!na;W ass(tciAW with 1:0, -, itl:is ant
fxrfk n ref ant lion iondy INHW Anioanl Dale 111-11 mhnails hml:aid I'llp
Atxanit ll:r k da:;uxl paraler oin/ ti)hl rt'rci4r 11x• hilRnlg sia;cnxrll. YCu
nin` pay more than to Anxunl flue, up In 11x• total lala0al on nrur
A(lraunt at ally, dale
'ibe k!inimum k»nunt Dee la any Cha+Kes aacodaled with fe hums will be
murdeio dIC tare, whole dollar 9 greater titan i20, and is die gre»a of.
• 1 of (idle co rdtined Mitre of all )i^annru a, tlm Cl dog f me of the
tellingsti ttxru.
• 11ica,rmrnbilled Fin pu:%,Onards,or
• y3D tax de ctndihxd balarxT of all tiannrts if it is leas Ilan Sib).
Ile .Noniovml knxun f am will not e)xaxd Oil' hale balarxr.
Payments
All D,%,nenis must ?x art m ilk, r:rmult address slinwhl on NAnf billing
tiatlrlA^t[ did Ililtsl tihClllde I:C minilbnxr. mupal Fran tuurhilliing
daunxrt.l`atmnl o±hle u1xw1 true autiPt 111 the billing stAtenKru. Yio
must tar; ,a in f . ? cnrrcLl. ai!h a single!irafi nr dad draw+.n an a r S.
Mnk :nHl portable in t: S d+el:Irs. ur aid, a nyrdalde iu,mnem ern;:bit i,
l'.S. dollars and clcardik Ihm rgfl Oo is ti. Willing S%*Il,. or t hnxivlh an
Your
dectnmic pays enl nxrhal clearable thro ugi sir f:S. banking 4islnm Yixl
icaunt numlxr muG be. included oil or with all lennnents If we decide- to
;K=pt a pa;meal :lade in a kn ign effleXI, 14x, Ait(xwim us to d now a
covert ram that is acr?table to Ili i) ovnrri t ur mm?tuuxe into US,
dimmer anlcss a panicdar ram is ngmml by la Y
)'aynteniscrInfnrmingto the ablAT,, ngahmmenbdalwr reeeivc m late
than the lour spe dined oil tour billing siaxr»ml will be Imalf ed to Per
Amuntasoftheit,Arecedmxkp prienISCwfAnnir9htheabove
requinments that wi• =1112 after the hat sP cifxal09 your MRirg
stAteni(i)twill lm aufikrl kr tav Account as ut to hdlavingtlay.
if pavmanl (I rs,ol m1fom) to lira requinole nts stated aloe, aediti
may Ill- (Kviv 1. If this ligigens. additional Charges maybe ing well Vt
mat accept hate mtynxm)s. partial payiimr)Ii to inn pu\nKrts irri6e.d
being rarnx•nl in fill or as being xetihinert of any, diipuie \Whmnl
losing ally of air rights unxkr this Agrctrncn or mater ale law. Our
Aeapiaoi e of any such paymere; does not man we agree k, change 111
Agneuent in ; llv way. )'nu agnk: That uur oc, a ire of s,ich Izitmtmts
will t ni :gerale:u an acrord a:d satf;taiction wirbnht ate I'dor e\Pns
ivrrmn applMAI
>Ef1rY,;/,rgydi(-rilde pint. x1•frill f,lyt(r tladalimir epxdv:11.116 and
k
crelfik unlit? Pc47/Nna raid (ir+frrs rot )arrt',I%!1111 err +n!r onAi'
will 4q* awl AHrr91C lraynxrxs in Feature balances lad, alt (anxmg
?i umm liaianas) firer in itah(re balances at lm r Annual ftnXi lagc
Rates t".APRs") and than to higher APR R'la re Ir..lalm in most castes.
ve will ;apply pnllrbia: M-Jits fir-4 it) the bafaru flan wideh Ele
mmsixxxlingdtittorigfnaxd.Iiowev ,, forsen;ring, admfnbtraff+r,
acU:nns or other barmier reasom we tun'.pill, and allurak pavmenh and
credits amen; Fimum. and to Charges on Your Ammunt in Slone oda r order
or mmrmr than me may delamia in our vrk discretion, You agree that we
have tine unxaniditauai right to exiacia this dManial in a way that Is mnsi
tameable or atvilient to us
Authorization for Electronic Debit to Your Checking
Account
u mmt the right to process Clledci elmrohialhc by nansmiitng the
anount of the drCk: the rating nuunbec adlolait number and tiveli axial
nnmher u?trxur fin,ucial irt,itullnl. Hy sulo,iaing a clxrdi fw luynrran,
van atuhAX nor In initiate an f*C11 ulk dMI from you bank or asset
i,(moa if we Iwo= "IT The& tdedmnially, h4x)r pamlent may be
rkilitod to tvur baulk or &LI -avid the sane (Ley we Mile lour clerk
Alan, it we prorm yom• ddxk electnwnicaliv. rvu will not T-hi 1113
rait¢ik4lcladw h nv?ankaa\5xaa1ann1sti4mxiri.Ifweeamxx
rngtCtk'ebuxktiztrxhkalh:,w Trip, isle a draft against tairlankor
assa.•n acraml f++r ter annxx!ni (H tiro clerk.
finance Charges an features
k f:ioana° Charges Imgin 0 3repir for each Charge is of the date it is added
to 11r loth, ball I,. re it,r a Feature, as dcscdlie I iielnw 1koxvtt, for
Chants (rimer flum finaroe Chart's) that are alkkd In a ba)a xle
auoxrftd:alle no ririalme Chars will asn)e in anybillingperiod in
which the renal Aamill Wama: on die Closing Dite for the pmvialt
billing period is zero or a credit bakula
H. F.edn feature is SAO to the &tme IY.rfly Pair ,& Rate ("I AT"). links
,,ye 110 -1% othencisc Tsixlx at provided WM. the I H I I for earlI
Feature is based nn an APR winkin may var\: ThcAPR is the Prime Ram
id serlIed below) phis 9.9'1'' A D1111 is 11*1h of the APR Your DITS
and.AMRs appear an the arctim arYing siggACT111 - When an APR
charipm. we a)ynly it to Air" twisting halil"M stnb?ect in that rate
C. The -Prfio Raw- its dekninin d ounce with restate to each billingpriod,
all([ aptlics o the mole hitting period. The Priem Rate for billing lands
elxlhlg in all v cidelitar flying u the higlKSt 11i(ne Rate pub Nixed in the
iMxxv Yamssedioi(or stx mraxliah)47fx1y71 vrml,pturnudon
the is a'VHh play for, in eid, cne. if s elm date 6 not a btrftsc day: tr
IL'\fMNrlvsid;rajdthe priorcakiularhealth. If The Irirll. nxd
lnnnitil wars pultitcnio n or dos not pulllidn the PrinIC Isar an tadvr
of Ono data, eke may f& o tine Prinz Rate published in ane other
Juriq gor of leov al rvahladull in Kew limy New YY n, -Nwe nut'
sol lure a similar llferfaee ram at our sok diimfion
I). The DPR (and ax•iulxuvtng AM an all Fatnrvs'my uxleasc to the
Default Rate if (hiring ate Review' 110ial (i) your Aaawnt it delintpiet
on Ile teasing Date of any the billing perkxk; (Ii) your Account is
dbhupient al fix closing I hie of am two colu tithe billing ptri*' Or
(Ili) oil In or mom orators a pay n ,t sohmhted err )ono Aatxmt is
not honored on first Prose nlrnmt. lbur kcamt will be casidaed
delinxpluit if panmrit of dhe.knount Dhr fruit' a billing period's not
dedload to Harr A ralm by dm 0(shig Dam Of ft Iml Wiling Perrot.
lite-oevitw 1'erial- is the period, mratlntng atipmzimamly' CHIC ITA Of
t1wN. towueetlo c billing 1xviodt ending with Ole fkaifng DYaie n( Idle
current billing lxr((xl wiellmr Or nrA you nor fiied a olikarKrnt 11M Well
Stich n?ilingpriod. If ilk! Defa,hh Ram. is applied, it will apply W ran
kuxn i for hwehe consnrutive billing I rri(ids, beginning with the' cumrit
billing penal 11x: ldatdt R31C will rmt apply to aye balance for Feature"
wik , if is higher flan the ram that wankl dixrwise 'ON' W that
balance Tlx: Default Rate 6 a DPR of.d6sPl whidl corresponds to all
.APR 01 111.19,111",
Average Daily Balance Method for Calculation of
Finance Charges
We use Ism horror Daily Habana nnrnllod to canape Ffnarre fhargts on
Kluf Arnpult Under this Method, we airldak'tx! FiirantE (11217?.'S nn )our
Aaoiml Ill aMMIg tie DPR to ter Aarage Daily, Balance (a descibed
Wnw) sllaamh fa each feature subject kl a difknxlt DPR (Including
currant Iranttact,MIS) D ifferan DPRs may' be applied to SCparale feature
biliolm1b?2 theA4erageDaily IfalaneeforefdFeatinwe(1)t*the
buVining balatim hveach shay (including unpaid finance Chargls from
previous Wiling pedak). (2) add aby nay, tranSaNaus, debits, a has, (3)
mnbirad any p:mmehts or atako credited as of that day, and 0) malt any
appmprfam anus,manor. liw elo Yin, ajkr the fiyd clap g lei b8fin'
c /xT^'ur? ?',dvl a&, to, rnnnrrrfl q pn1e te'I4tlfrrrl to /r/xtr•ima dip,
o Grilrlrrlnnit, n'114*cr1hr11r111'?fop, ArM1111ra1hagivesinthe
(bfiybdancefor the Feature kxthat Ili- and file beginninghakmmkrthat
are.
i;auve for tike next day. If this balana• is ixgetre, it Is arnsidemd o le
b flxrl we ad d tip OR tit+lrily lalanms for Ole Feature for ov billing period
and dhink; the total by ft nwukr of days in the billing Iferind Ibis gins us
the AerAp! i)a ih• Ikdanre for that Feature.
h:nr all Features. Ill kaagr Daily Isaianoc Inc a billing ixiint will Die
?nrnddenal to be YArn if tai paid, by' the Ci+sing Dam of thu current
billing paid. tine feral Aanunt balance. if arty, shown on your previous
1,13 670650 7/19/03 5:02 PM Page 2
bi!Ime,statcmrnt iff:oumijinj`:liltAteralivl)toh'li:iI1!tcefi,ra:!rh in(
hrnit:rc hr the ! Ii nl. r or d. •s ill the ladling lxri'd aful the 1)"'P. for ial ml
Feau!re, the 115111t will IV the Finance charge assts l u I that ti PUT?. t'
l';r.Ci,t felt :'a:'I:n1011s clusivl 1N; fUhnldhne Ills trial fhlonct CharW for
the bill ing period is C:datlatol hr uldfn t the Finance Charges a?Ptl :n
nil all Feat lm-i of tlx•:Accnant. /lace tned5od 4 'al. fhe:lrerr{ilk, 0
tkdlrh,Jflm-en+ulPinanciC'Mr.x4,IvcrdAen+k0b rr?rfnre:rdir{S ha
n(l'hxrrce LA'r:qes'. \Ve mar IM mathem:nird formulas which a!;
produce ofhirdent rMilts to calchhle the A:timg Doily Balance. Sea
Finance Chargvl and related amnuns for example. wi map 11"lfre :11
computer programs or other cnntputalfonal n11holls drat sir desig ul to G,
Produce nhalhenatknll} rqubatent results while nsfng ft w r and/or us
simpler computational steps than ant desailrd in this Agrecmelu.
an
Atom discretion.leemayearlutleariaincalmrifes o(debittrans.'retir.uur a
or
fez frcnn the ctkodanion of tx• Ilidly halntxis. links wt elect x, tse a later n
dale %waillot1lar;¢•lotlxdaiF iiala!xxxfrdkris.Fm'Cttlr}s(MIL. T
IhanFinncrChar?xs181atvraikksltnaxda!tceamtnatical(,°.wruki!ix' If
Cbone r'tl , alllxnlrf Tale daih balance IN lilt! R atur i s ill the date the
r
Chang is Periexl it, lilt :Limit. 1;n( allow that are not Piklet n a balance
aubmatkdhteg,inn-re:rtoaspiicm-dlstrrnrtust).weald the d
Cha!ue It, III,-:giliopiale dafh: billancT Ili, the tUnrr• is to the dale wr a
,a x dx hsltx51
I iliulkFin:ut, l:bar+,ns•:xkktltif:x nu stAldinglrafa'xr:tl,'nended
gx• hilbuglx7fod fnnrh ch 1-i. ktr • Cllargew ale cnkmlAUrl I
Annual Fees
1Vu will hill to wur acciwnl oil turned fee of S;; 111 Ilse Nssic (ani. and
Sao flit each .4;kfflional Card on yrnr Arcoini The arnnal fee for each •
Card is fncrastd tai $5 if the tilling Alkine s Of the 11:14 Cardnlintef is
outride the Ciined Slam,.
Late Fees
If Payment d any portion of die Alwllll (IOC on a billing stateanmr is no
nditul to roar Aaolntt hn• Oil 14il1 flay iltCr do Cl skhgl)a4 d clay oral
billing p ri d e"No xt Cksihhg lklk'1. wt may a sGSS a ice d S y Ocrwa $15).
in :nklitin, if pa nlem of Ih A ixxlnt TA is loin CrtTfitxi M the 6111owttg
Next Ursing hale. wr mx.• :ISa's, a furdxr lee in that same biling pcrkld d
doegrakr(AFfem ) tftlieAmnnlUwetllatwaSnMCltGUdhdial
NC'tl l;hrl:fllg 1 Y,IIC (Imra $15). If flaynti lli d the notal Aniontil lkle is IVA
cuditul by suceesshr Nc.t Ckising f*.tkx ere mi' ac *a Iee a pod xi Ole
greater of 5;41 of 211, d the Ama1! It IPie this? remains not crafn(sl in wch
sea s ice ti(xt Clnmog i late (!owes $ I i)
Other Fees
,
4renuydr:ay,•ctlieftlllfF:ltlglC(S10')'Iglr?lxt111.s71lilCtitna)>illk.dk I•Iw
.. !A:vx/r:onxl i'cr;mrulc-\WC!n(k Ctlare p a letof $11) wiierwveT all
check. similar itxlmnxrt. or cla^mrr. pa;nlent rxtkr that we nahe as
p:nm•nt rn1 irAir Arcolnt is not h n owd upmo fine pe-alt en'.
If a Cl it is pruned in connection afi c zing it chick :a on :Lar'ricu:
F\pr,,N 1 raw:l String Ofi cr o' other mdhonwil k._u'iiwt and Or buck is
alt hnxxul, wt may charge a IS. of $29. i\tr will also, 2M a Gunge Io
wxnr vionmt in the anwunl of Ole dxiie ihin was hell honored.)
2 fipies r,, vatfen(oas--1Ve man d!arg: a kx4 for arli billing Period
for witiclh a agiy of a hilling sialeni `it is Mil eesledl \Fc will not Charge
tlnrc kc• fax any rrglxsl fa a tsq:y d arydtllr itill!I:gsatt+rrrisns f(tt tie
three. hfllint! feria imnxdiatcly prior to Ile reexxst.
3. , t tr;call hr-r;rxeriu;; h'rr -;\'c roily dharr a m-rmrfn; fa' d ?a ii
tour :R^C.n;nf is rulydkd forur: m:von x1d gn r,'ytn'y ninsaale onion
loll surlt ntpx.>': s hrnxrrd.
Suspens ionifCancel lation
:kkliiioibanioha':Mirasnrma;.0tk ;merthisAgrczoxTtt.-emir
in
s ismitl or cnltrl k.nu Ant xun. an} fratm; m line a:mpxxi:l,A }+wr
Au_nmL:uxl'roWVrt;ls,splnlorci.,dd aullod hr•noam
Akliti,rud Gullixnixes 1 Ilea Claim M root Arra f I :d our sole
dis:reti`tn ill aril' thx•. wilt! or 1i'ii hen muse. wh einer a reA Hur {,hunt s
Ili Math. and without 00:igwit notice. s lliKU to Jil;llirlM lace. Am such
:ttlina nn ourn;m will no, camel cowoldigalien ii par. all Ciugnsdue on
your kroiun lin k.r the lernit of this Agreement k, (ifcn at the time of such
odini i or as ti ilex <pxsU(y alhleclew, and %cu agree to lies: Is all sudn
Charges desiale ants %)-Ili action. ft- mil' arise third (lutes wino accept the
Cad liat the Units) fs led to you ao1'ur.klilitio ail Carthlembers haw
beell cancelled. If we rallml the C•ad or it iapils. In I may tx btlger twit
acct you most dtstrn, in or re Minn it to its a. it we Wiest, to a third poh
if tnu want to arxxi lit Arcminit o' aw hk)itiatal rarlK You mill TOR
GPidts1.
Its al Id,jestrix tile
11 tie agnt to reiretile your Aa(wn: Phu it carlaihtin, Ox: tins Ag/r Mot
we surd you ((r'. it -r ski ern sand you a 11 Agrct,t0Ili this AyptemVil (s it
roar le antctdtd) r6ll ? I, In <mr rdIstaIell ACM-1i u"xn we milts, i c
loco A::nunt. wt• ma) r•frstatc Pill, Additional Cads knell fn (mux4kin
'Mill mi tr k rant aid hill inn the 314,liahk aouu:d k 4s)
Delaalt
M; man snisxkr --Mir M -'hind to lx' fn MAilli of air lillx• if; (VI fail to pat
us:ui) alxriin AM11 it is (hue of O poll bn:tdh anydeferprnnisverr
hhpnimh untelterthis Agrtsneid.
Subieci lu a;9,hr.Pbk:link i mat atvl (aiskkr mur A-Mill in Ill. in tkiaul
ut all*,. tints if am siatemoni :nestle by krvi to is fn co ne tn!1 with this
Aanunl or any (MxT erotic program was false at misleading A gnu breach
Alai promise o oblit ,diln under any other agrr?nent Thal iou Play halt,
with is or with am dour afffliakx if wt recite lldomnatiml fndleatingOut
you are hankrtnid, intend to file banknuacy, or are unable to pay ymtr ribs
as OIL, btcmnle due, or we reeciie information "Ing is b mnclixle that
don am+Aherwise not nuliu%vittl. In evaluating your creditworthiness. vot,
agri.: thal wr• ;na.'reh nn infonnaumt c rn:aired ift m sunder r1x,m. and
FDR 6'IN,iil
xu ilivmti,rn •.i.; niay ttnlsi(kr Ilu• alrrxn)f o (k'bt mu arc cam ing
n;;an+i Ir,??rur nw•vturna,x am utlur :llrq,r YCiK1 CISurlfli'!F153.
Rirdlr?dyoilifx+daln:u1a,ai1111%ACC0111it col:nalvlmisitkiy.1ur
Ado lit fnMolihinthetrvilldceArdendh
lieovilloflo!rtiefauli,iudsailliect toan liniftotkx><orr:yuirrnruls
ififthrd`Ir IPtK wY plait' require litl!moil of a jiudiu!l of ;rn;r WIMP oiling
taro(, gn atcr Ocm ill(. Mill Minfmunl Aanouml Um, deck re tlhe nhtir:
xnnil 5 y'onr rtblig:diems n Is fnmxdiafdr dru; and fuyahk. an:Uor
!trod or cancel kour Amaila, an) con>;Arlent of ylxr Aocoutlt o ndlor
y I: ltur that may lle ofleP:J in iTAnlerlfnll with the Mc amt You agrts.
irv all ro sonaf ;Lyosts, ilxii.Ang Itnsinlfie olulm Ap" kiss: idreurrrd by
(i) in a riti-xtinh with the collection o any amount dileaI your
Anxtnot, wlu:llur in nil Pay arbitration.. litigation, or similarivireedfnq
initiaGrl; and (/) fn rrasohhahh Pma.arig aarsdxes from any loss, harm.
dAt riming to am'rkef udi on yur.knann
rensections Mado in Foreign Currencies
too il;t.!Ar a ('1:11^x'. 111:1 kneiWI mrnrx?, it will be coinerhd into V.S.
kdlals on Ow date it s pnica,ul by is or orr ageq& limes a pariadar cite
ryuined by :gpfichhk• lily ;al audinfin• ns it) ch0r.w a t.'nncrsfon role
lal is axspttdk to is for that dPte. Curterlth. file rL,InlTSio,I1 rate wie rye for
:b:irgV in ;t kinisnt arras' is no _ eider than (::) the highiC dfx:ial
omrrsfr`r.Ixpu!tlnli(dh1 !gnrinniiltapetlci or{b)dielion:t
ntedianL omtr`Itfon r. is xk nifal fn is from tiistonnr I anti ig soluixs
tdtvcollel, ndax•UI'tilepiorivisillm,hi. nl each ,nlnxeincitaid
It n*, Ills con eiiiinn, rate may rhfter form *,!ks to'A tt on the ilatr,A ,,nuf
l11arge. dittoes co nerietl by estlll"sli!rxn s. (s It its ahhll s) -ill belittled
!t tile lines still estalilshments Im.
Benefits and Services
Sul!j ill ti alytlrcaabk law, wehoer !lie ri;ttl k a kL nt cif a dkicM inlay
Ixxrii; stmia, or Fe:dum dial nh:r• amxnluny° ytxu Anw°ant a! any linxe
aid wit pill txrtim, to Wu.
Arbitration
1'lrrjrirlltis Aliitrati(n I'rocf;;tai st•s f(xOn tr Crtumstaan a)d
limcidun : s under wiiien (lafns (as `kfftxrl liti,ra) ma'i be Adinmtxl hISI aI
of litij;otell to mill.
lk?nilhorn: ,As usctl in this;ldnIfidial (rvresk t))x tcrtn' t9ahri nxrdts
iii claim. diipuk or coMnAt, coats )tai aryl is arishlg bran nr
ILIaffngto you Account, this AgMMILTIL the Electronic FinalsTrulAer
S nitts AgnxslralL anal air' A eT nAaxd a prio' tgrtrancT l ih;ll iry, i11T
lacer h:d with uc fx tthu mlatkmdlgs res'Oiling brut aiy d ter :dray
agriernents('k-reexnls Y mcitdingthe%alitbh.ut(maalAlill,rrwrgle (A
Ills AdlOr.oleo pn,civiptadx•Agrrsmfls fa lu`nxlw::dthis ArtAlr:ui<m
Pm;isi,n. }tai' oral 'us' aly, bndixks non corporate immit, orwlioll; or
mhjtgiiva:;xsIsutlsfdi:r&%.Pffilii;rs.air, la+v¢Ls,pnzkawns,sncn-c Ins
aligns any purchaser (A PIP aanurts a!1 agents. a r k as rfinrtm afxl
rlnsul!latc;, (lf acre d tx ftneg±kltg and atlas frTSms nftxnd to bekbw it
lloetkfmitol i"(aains'-cloini'irChtksdainsdenT kindaol
nature. inchodng het not limited to. initial CPinq comter daim s- cmes-
clairns and Onid-pam Mains ifxl dahns based ulion contrail, tart. hold
and nOvy inj oiialul Gsrs, statalK rt gILatfors, fxrnmm! law and egnfh.
-claim- aim) itd!xles daills lr, ,rr against -oil' third Party 11511 g or
pm:idfngally pndixl, service 'a IV. wilt Ill Millet Iron. with artyanuoht
i i!xA:cling, hen Inn limitd to. credit hureat s, Ihd Parties who axipl the
Car!, third fullks idlo teas. pmiitlr or paricilxfte in In load or tare tA:Ia
Pmgrvrs. iiImlIm eaI sn4i(x5 alxl Trwalyds fxrigralIA tnJit IIisur.I T
rompanie, tkfrt inllsiorsPnxl all of their agars. emplrntts, difamrs suxl
a arpam? with
nprsentatit,•s) if and cell' if. still thin) pam? is named as
you ur us (•x files a Uai?n 1;ith or aphisit snit or is) in connection with a
tkrim asvTted In%", or us aPainsttliemh(T.11ne lerm 'Claim' 61011C
eh1:n Oil hattle5i p,&i ble )tcnlingdiat will tar akxrad anti fndlxhes, It.,.
w-ly d cx:nnlnk a:xl ritlxq.ft limikrbul. any Cafni, ddislalk of exnnnxtra
duit arises from a relics to (a) am d the accuins erakd ulcer :nr of t
Agreellienis, a any balances o1 any such! accounts. flit ftdl11 l$enxnlLt.
Pninxlllals or oral or writul SLntenIents relatsl to any stci nocounts
or s:•nioes linnnad tnlikT:mF (d die=Hulls or the lem d friraticing. f
thlebeiwiits and semis relat d to G111IMen therdtfp (including fIx-himll
free benefit llmgmus. culollnrnt senias and rellP6 pmgrafns I. at Ill (d
yuthr alq,Iimdo u for air' acmunt. We shall lint Ceti to use arbitration ut
the Aiiijoidon I'rrivisial for any Uaim that you plopedy file and Pursue iI
small d:lims cxAtA dyour stain or rnunicipahh so long as the Clai n is
itdirifkl:d and frlrling o»h in Ih:u /nun
Inilialinnof;ubihirlionF,rx(er1.51,lSdtiknlnf:klminirlrr!!n Ah
Claim dull be rsubut upon die election by y'uit or in Iw arbitration
purn)am n dlis Arbitratioh I'rAisio» and die cfrk d prtxtduns d the
national ad`itralion frgaliMlWn to which Ole Claim is ritTnd in dfa1.
the time the Claim is Wit Uainc thrall be rekmd to either the National
Adiitruio! Fottmf ("NAI'' I, lA\IS or flay Anitrian Ariila0lin ASSOltitkk
i 'AAA'). as sti il tl ly' llx pant ulatirg n I& afhitmtknh. Ii a clretirn
its d tnr fit Odra ougaui:liras is un xrclAANc b you. yet shall ham It
noel-tid!ir: 30 loos :titer you roosie voticr d ntr,*akq: b shad Bill
the other mpili:.;nfegs listed In slrt• a ad netimn : dnlininratnr Fora
ti the pmcelurtS. in fik a Claim ur feu otra infenneti- alarm ifx,Y
t mgaination&o hfallthem?Jlnlln•
• '!lhu .At: M IT, N)x 1AMI. Miln npolis. Mh 5540/. wtbsile o1
w1Ke ildfltmtibl tfmn iI1h.CUln.
. jh\ISn)f;''A)MainSant, Suitt, 3iK!,!mAngeles, (;192hlit, 'alibsia"
wwwj:mcdrwm
• AAA m 3i511adiwn Atenir. New York. NY 101st?: Wisitr. waw.xlr
.Siynijma+m r f.lrbrlralkln: !f N(NTI'Ittil1(}A1 LS Q':(1SPtiv 01' ART PAR
Will I Rlsmi r'ri) A C1AIM, NF.ITI IF E 1'011 Pk)R WE Will, I IAVI:111E
h IGIO' 1!D Lfflf 51'1:11 iAl' CIA131 ItY C.fR iNT OK ILA1ti A Ih121' 1R[AI. C
TILSI'taAtM,(IN'It)ILAFti'116iIR(7AIMSItIS()1kFT)UNC Ill'AS
i;O411)lill 1`f 1t{ IA "111F, f? s1tF. , tP 1'ROCf]K'Rfs OF'111F. RAF, Ill%ON
AA 1'` APPIli'ANiF f111f "r(Rti' Ft'RI11fK, V'OI: AN7 WI: \t'11J. NOT
I IAN1; Il Iii RIGI l'1" TO PAR flai'A1E IN. A RE"RM."CI MI; CAI'ACfll' r )R
:t5ANjjilIRF.ROFAR1CIASSOFUAIALA.N'IRl'FRTAtN1N6101 (:!Atli
SI :iiJliCf'10 AR)iIlRkl 10N. E\M`!' A; tint' Fl)R77I lSflAW,'111E
AItNt'I'KAI?N'S 1R:CISNt?t \49LI.1SE 1•IIvALAfeDKL'Siltrr?. NO'fE'MAT
0'11fEKRIC;ITPS;Ih+l'YollORWEW0L1D11MYIFY0L\S'1StvI'To COUNT
AI SO MAY NOT Nl'..AF'UIAIIL@ IN ARISIIRATON
Rrtl1'iUkxar m+; lrllihrolion: if eider lrarty eks?s b rtsolce a Uaim M•
arbitration, tLat CUim shall leaddtratodon an ildbidtral basis.71xf1rslxd!
?• nn ri d sir a(rllx r irp for roll (](lines b be arhilrMril m+ a das
WWII Mtr1s m, m! Maas u+rnh=irrR L7nirrxc bnurg6l in n ptrgxx9rrt
rtflrM1111+lire (77/4011t on betm!!nf Ibr;,rearaa! pu1dk, ol4v,
(. tribnrnrl kid'' or olbrr/xrmrts ?milrrriv alrerhrl. llie adatrator's
Audx,rin• to MA,, t.IPius Is limited b Mine beblecti im old is alone
:rod il1r ad itralrx's aNh(rin b t aw rte is limitd to tnianfs ro }»o oil
it, alone Furth mnum. Claims brolot lr you a•,?dnst is. or by is Wind
yell. !eta;; lint he jooaa is a,rsolidatal in ad!itrauan with Claims bmtrydlt he
ur apilst wilco re (Mier than ,on. unks agreed to in writing by all pinks.
,n'l)irrrrll PI f, rxtrlmt:: Thi A bitratmn I'nxLkxl s male Pursuant to a
h:msaclflAl fninhving ildeNatc rahmxTCe, road shall lie gxtminl Ira lice
Ffskral Afirtretrxl Aci } l X, Sections i- ih as n aeo be anxlxltd (the
F.AA' ).'the arhit:itnn dull Ir 11asrxd M 1fx• apfilicabk Ctdr, rxttlnlhal
(t; Ile e\usm unfnrusIlAu urxkr the FAA) Otis Arbirrnkm I rtwisfnn shall
mnlml if it is inoiusisknt with 01u aWslic)Me fidC.llu: afiitrato shall
apply Pitiirdhk slltslntnfte law ttxisislent with ft FAA Mill RMAI able
statutes d limitations and shall honor iil:lifr6 of Pmikge ttatgnfae(I at. low
:uxl, al the theriv mtp?sl of either parK, shall lxtwide a beef write 1
ex.)i n adon d the basis for tl le dtci4oi. The arbitration prom ing, shall
non be, gmrxntd by any f Bred or state nles ddtil procedure or rules of
et i? xe. fillhrr pace' mm Atixrlt a nxptst to the aribiltat rr h eApahd the
scope of dLVxnt`n• utxkT the applicable fork JI a Pam s idimittin?g{,;s,,u,,,ch it
reyu(sl mttu Pnnie a c gy n tilt atlas party. win may submitobiections to
Ole:ldifir:!br ttith a ew, d the otijettlas pmtidal b the regOCstiug pace;
within fifteen (i5) day, d Inching & requesmng partl's Itotice 111e
granting or d riot dlf suds armrA will be in die site discraiun of tile
ad /clinic. wln.e'lall no fill, the parties Of hMKT111cetoit nithitl malty (21)
tbns of dle cxiiW ing Panv's tlaMtiaiah.11i2 arbitrator shall take raa"lable
stel1s In piest'rve the pti a y d individuals. mid of business traders.
Juilgnlent ufxbn lit awanf tendered by the. Pd)itmtor may it emend in am=
a tIn !rn'ing iurcdiCtiun 11 a arbitnicirs decivion will be final and bfndhig,
,unlit fm :nn 6011 d appeal lim4kd by Ox: FAA ItowtNis. any Ptuty an
a11x I tul award to a dine-afiilra w pentad adminisuiid by Ole saint
arblrltagl nrlnniiatfal. whic!l shall corskkT arr+v any aslleil rd dle Initial
award obKeuxl ill Ill, the allxaling Pam-11re 11PPealfng pony sect have
thin (A days from 11T dine of entry of dx wTnklt arbitration award to
roily ill, midtratiixl orwairatirm that it is ei crlising die doll of W'al.
lilt appeal shall Ile filed with file arbitraKdxa organic o1 in rile loon of a
dabdwriting.l lx adritneim organfz?n will then rloti(r the odtcr party
that Ole mead has been atlpeaJcd 71le Pet /radon xg urination will appoint
a throe-alb!t(ala Panel than roll coindn? sir: arbitmOon pursuaN in Its (irk
and ems is drisiml within one hundied and barmy (120) days of Ole date
of OR- :ppellanfswrive n notim lie doci iolo of tilt pared shill Ile la'
t mapAily tole and shall ice final And binding.
ani $ikrt(knU! rr)nua+l /wit: Any arbitration hearing that
LrwAmr of
Vol) auenrl shall like Plate fn die ftdtral ladfcial (UAW of your residence
1'fnl will be itspmlaMe for pir7t,g "Ir slum if 21K of die arbitratiol lets
(ithcltdiilg filing, adndniatatfn:, hearing alldlor olha fees) PRAM by the
CtAk% in the client der such less tar eta tensed die amrxun of Ole filing fins
knu would Race ina ixi if the Claim had hear bKodwit fn Idle stale a
ktlurd mild dusist k your billing adtitss deal would hate judsliak,n MU
he the Claim, WV will ice r!syxnsible fa Iming the remainder d any a!bitnitim1
fern. Al %,o nr wdttta1 requisl, we will consider in gold farm making a
^ukk t•mpman' ate ima, doll or Part of you sham of Or adidratktts 6 for any
c1 C,laim tnu initiale as to which'.1111 owe seek adtitraliol. Von will IVA be
or 1witseil any arlldrAirels fats i:1 e\cM dytur snare if you do, not I null in
any afiilralion with
> larliturahon: this Arbitration I'rorbiol shall sutsist lennination of your
a aecounts :swell asvoluntary Payment ddie Account Balaxeill full by you,
any legal pmcceding by ni to is to collect a debt owed by die other, a ry
bankruptcy Fn you or us, aid any sale by us of your Await (and in the ass
of side, its terns cull apply to die batynr of am d yo r Account). If Pin'
Portion of Ihu Adtflration 11raiskrr is deenivdinrdid or tmenfirauhk
I !xkr any lxiniplc (c Ini*i l d law 'or eph; it shall not knalfdale Ilse
N nnnAimlig p rtios d this Afiitratkxt Panisbn or the Agrenlenl, oath of
wdtich sliall fe enforceable reg, n0ess of suds ini 6:11 y.
In Waiver
Our failure in eA m ise Pay of art rights atIder this APM111, or (Maw in
e c:lfnrcfrgam•nfotrnghts,m-arwahvd(air diditsolanyocracbn,
d hall no Lot, , ilk, a w;&.1r dd slxii tights on any roller OU24011.
r
Consumer Reports
1'mn :uldurim its b raluest n niallmr rquxLs alrxryrn, to make wiuMer
cnJit imtstigatkxs tw (Lem approprim. to obtain and exchange, my
iltomunau) wt into. noble from mantras ",,Ind ass urns, and
Nl Ise Stich inllxn hot, for any purpm s, su" tai alp
you autllmin: is to fora sh fnfomution concerning yon ountlf 10
YOU
mnslmxr refrxtblg agnauil•s, a 01IMS, SubjeEl to
?. beliee Inkirmali n wn Ilene: fumfshed 19W your AosAtnt to a mnalmer
repining age acy is inoccufait you 4011d write tom at Anlcrkasl ExPm%
-4)-
v13 670650 7/19/03 5:02 PM Page 3
Crilit I;uttau I;: iii i ().1So. Its, i• p L-nder ale. 11 33329-' f and "ti kkrluf tIm5lxrificelfonrl:dirmyenbelieveisinaalrrax•.
tml arc ber4rr nvltd"led deal ink mi lhi about %nnr ACCtault flat ma;' halt
a ne lance ilnpxt on lour credit mud may be subadited to a c!txlit
WIWI;ig ayenri if yrm (ail to falfrll fire k'rrlts of vOW rsodit oldi "tints.
Telephone NlonitoringlRecording
tnl agltc dial (M tinge n dint Ne mm, "Woritnr a Vor Mill u lie !olle
4di> Ix'twitil eat nr Adlfitixl:d ( hnklmntxis mtl is to a%nm Ilk gualin ref
our t11514tiller s( tiic (r as'41irNt la rtplirxhle I v,
Use of Card at federal Government Agencies
.AlneiunI.:glnshasentcrdimm ;minx's 111;40131 :dieC:uxitrlite
aml?ud at certain fakisE gn rxamttl4:yams ani tklxtrtmois
t:lllk<Il!1x11tS. NiNal
+;':M1 •txks'"). As ;till' ( ant t^.mxxykxts at aNlnrlxrdJI 5.
ttx( ('ixNlR` In Itq' (`nit ( arf :il "n Agelr,. Ce lain I hxrvs` Inlf mAatirtl i5
n(titsc!r k sulk 1ul ^ m. Gauge irk rualkm from C:ud trnns:xlkxt5 a
.4pt•nciesminhrlertlkrpnxPS:hlglliam,,is"lotp:l;mc:"'billing and
5 flarlinn: rAt ii5ts ani ma, l`a i;:2atg cad f+a r +lrittg anal;5i alul
m;xktii!ag ads 4ddifnnal'wttin n¢s of Chan ' itd':umalkxt lie
,k;ncks:lr,• puhlisixcl ixrfrslicdh• ill lief fell!aal I?ct!,ist.:r
Notices
Ao\ nntlre gnAn bk W4.11311 be deemed giten N'he? (k;x She'll in the t! S.
Y prt i2kl.: ddread w yet at the late, lutllhl kkh?ss slxwu rot
mail, nsta)
nur reamk.
Changing this AgreenrentRAssignmerH of this Agreement
\Ve mae dl:urp: tom tenor of rr vH Im^ ends t this Agmulxax at al" tine.
n ; minlalta aith atptk:tlle lea' Ile m:!% aNih an( dlanefd or imi, bnrs
w aln thel e.sting creams ul %%r Aarmnt in Nell :s to (itllae halalxl,.
we n, n aL 1 Sell tran1Cr(r x..41 Its Agreem nu a°wllrr ld"\crlx'kr nine
tined N1lInNd iI!!h'1. It. yiRl. \ml lox nN 01. asSt '
\rNtr(>?ili•?,tkxu moles this.4gntimalt-
nr Ile, 'if
Assignment of Claims
i the (dealt al chili +r ai hill.., 1101%.,11,10 t xit A"u"ra br ill! rx Isar,
d SIh Jiaina9' (n m? 'a,t aifrtnatic^.11'. h old n and m t(eau nn 11. h roilIna.vglanl rntfrrisuti nr n^I N rxldtall,
( idudm e rl claim,) 1 :: t xt l it 11101$ mill. : g n u a !.:hircl
nl tx it muuu t.dials tlx..nrNintil m, iiu I.r.wirA sin! After
make Nuch t:rAW".rni agne• th:a \vidt:an ou cu xt!d + n..&fll tot purnr
aii\ claim age iii l (N R7nlisrs+lreut from s(i:h !ili,d par: for the amnia'
that We rndi i n tale AcaxmL and that rlxl will as'lxrak' wish 115 O Nr
deci(k to pursue the third Miry for dm:mtitmt cr+lir.A.
Applicable Law
This .k?RYntnt T.axl yilin Accnillli mxl all gliesttals abtro:t ldxir kgalih'.
0?lor roil, and m6pret"tmt. are periled Iri tam Imts of tin stale d
Utah (aiilnut rtnnl to inrrl ad flritlapks if a nRics d lawy, amt by
af411k:ablefoJeral I:Yt' tat err lrxaW ill 1101. llokl,,xr Ara,alnt In f'tah,
"red eriend trod tits Agraim.lt wide ins in IAAh.
A,ATICAN fsttisstl r?l:Bbinn3rf:
make it Ihxstake Bell titan' Ilan' 10 pr1Y!•illinkK 4har; K, and %mt Nit I,= In
Nill seudtrra st of :he aRxaulr ;nj (F.r and die dal ilia!-it Is
Ify u(aiEu,pay'ill:unownantwtThinkyoucntt,atmaynl)ortwuas
driinctileln. Ikneitx Rmu ex(d malum dos Int salisfr you and Vila slit[ ill
u N'iilhin xih 110) dins tells g us drat yet still r(Pse to pay. Ne mast tell
am"m Ni• rlxm Vin: to that prxl hair a (Iixstion Ate d yTmr starnmy'" and
Nr ma14t x41 yell nix' nacre Of anyone. a Mo)rterl will in. We most tdl
a':?Vial' Nt' Rlnn Mn In flit Ill! Itlanr has ttecl tithed 1161- I:s wix'n it
finally is
if i t'.h rot lolilnr done mk%. Nc cannot mikw0 t e firt S50 of the
q:ratIollc(1 anntult. ear: if Wit c'atunan N•.s menu
Special Rule for Credit Card Purchases
if Vixa Nitta problem wtlh a e y lali!s t t pm xm ors nias that ,rni
Pit1 1, 1 Ni h talc Carl, ant :dal halt trktl in }mot litith t, axrtt 11:c
dill wiltIlamerdixnt,viiin;ayLair;tcxglaOnoto}e:;the
mnhairiu imuxntrht^:mtx nrSxatror r: x-5llxlcarctw!:hmi!atio(a
III dlis right:
(a) gnu !nu9 lints: mall: tit pun ilas' in you hmx stale or. if rant v, ;thin
ylhnr lu,nm state. Nithin I(rl mii(s Of tau "fle"et mailing aitlrs,,
ilixl
(b) '11m lmtehase prim mu5. hoe hC 1 m(Nt than $511.
'Ilex limit a'incs do nn alipiy if Nr rrwn or operate the nrrctlanl or if w
mailed yowl the adttitisLilxid for die Pr fert, or semis
Note for Ohio Residaus. llle Ohio laps agamsi dfsaiminalion rLquire
that all rm(ttlors make eraiit apt; Ih mail, 'to all tx(ditwxdny at9oloas,
and dlat mit m{lmthlg agnndcs niaintatn sgrvaic-edit histories on each
nditidual Pxrlnxpra^.TmOhklCttilNiyjlsCnnnirainlnlmiilstcIS
almfdl use Nifh this lei.
O!Vi? tDl {:1Ri1l1. IN tkVREJS I.AbH (CaUA. I •RfN)-4A.SH-
NOII'). PAY UV COMPILIUR. PAY VV PHONE OR ANY (MOK
AMERICAN E111UW W,(,-IRONIC flee'M$TRAIN SFER SERVICE
(HEREAFTER T(Ri "PROGRAM"), S(X! Ariij, FF, sl gjEcr To
11ILS F.IEC"IC FUNDS TRARSFl71 AGREEMFM (THE "FFT
AGREEMENT).
Scope of Agreement
leas in Agreement cutirs ymlr participation in lIle Program in this ErAgreement lhewords AINI and "tmv' refer to file Bask(aRlmmhor
and also I,"*- all Addifinill Carinlentlers wile ha e 0,rollerl to 11x:
i'rogram.,lbe wDnls "wt," .our'" and its" refer in American li\pus
Trmx4 iMaled Smires Coninjo`i, liar. I?x Nnofs ..,(au Anxrkan Eyares
Arc mans" offer in tour Carl Aarntm or am'rahaxAmerimn Iixp"
vxoauts that we fxtmn aril to enroll in Iix' i'mgrmt 1 ire N,)ldc' ; o.:r
Wank ACnllnI' mks to tm ;M11111'lcW r it br i& securities fins to Mile
ll'rn ill insnlutitoi from Nhich P.-elliert will IV !1link, when Noll alakc
II:•tlt4lranll. Ulekr n1e Pmgrallr Ilx:irmls "\nlll' 1?al'.k" n elm ban
•(hni;iiK film x nfla fina!li al iinlitutkxh !hat hokis ttor Rank Acrnul
'dell tnrk `uthcr r>s;linili refer t? elmurn?ir lta:nxnt inn5i'r nt;ions
,mdror ocher Cash acct d?:u Annr rue Exjntas rile! 111akc itaibbic Ira:
film in tillm, indtding the gnimi in pay _ (.ant krnaanl hill
cl00mnl illy 01IRamnlpnter,phone Or other doiee.Fanicipalingin tie
!.,lush Cash Program will (liable yon tea (sc file Cali to obtain cads fro
Atllunlate l TdIer Alxili!xs ("ATMs') (Ipraxd by any, bank in f'inaocial
institution that InNcipaks in lite Exitnss Cash Pmgrtn.
11m Cast Aavont is g u,xtl in Ole Canimember Agree met that is
attadietl to this EFT Agnealfr VnIt apirneril and the rapinliA k
It alsn afilly fiat.
Personal Identification Number
in (nnmrto, *4 your participation in On, i'mgmm, too hair natal w
(x allrnxdyui to cttx>x y(as mm I'ersra?ai idntik.4tion bunter (11
lix:h time 1rt1 Nisi',to detain csil at an Alli yen nest st"bi. y+Nlr PIN
tw: or pr'<xrt Ih ('aid To ensure that in unmtthorrnd trmtclMos om
m;lik untkr die fxfxtss ('-,S 1'r ,cadre y xt slxxrW nlie;dl Wason'ttile
p,c.:.allints to lemma 2111 Oder lie!soi !font laming you' PIA n' tsin
Card. I;x r:;amp k, lxiet k(xp any material mntaming' - PIN auadl
nr :;nth nix- cars (?tor deelmnk hues umtsf('r oimiins m:n nr nur: not
nguire hm tte'rA a PIN.
Limits Olt Obtaining Cash or Chaques
th, Ibnit of Ole amount of Ceh tint mi and ArUitio cal Canlnuanims
;nur Anxrimn Fxfxess ktoklos min' rlbiahi from AI;Ns IS $),((x) In an,
;hard;} ixriod \IS: man trifled aril i innai limits at ourstk• ilkmim
addilitmi w am lialis imposed by the AI tees nl era nn.
Payment for Cash Transactions
liacit time inn imitiaU: a transaction un?a the Program, ww HISSMICI ai
aathui, is or onr agent to draw a dieek n' iNdatc an a.x(lnnted de:
Inux(" (P°7rldhinmarnalmmalrmrBank AcmirrLpayable Wt
w am agent, in dm ynnnntt of the tmlii;zlo 1. elm anvnmt 0( Ole
transadiml It the xNrd of F ii ate amOmlt of am• cash Volt reditd or to
klnJ tralrilt, xutlllrimd.iii}dmammimu<anyotxrg mfa'a
ris nbadaxd. and (ifi) all' fits inIjx d for tic of the..6lrr is operator
minimum of $5.'111e allxNlnt oft Ile ImINXIJ01l is die tool of (f) the
annum ref any cash will rvittd m odxr funds Index wil autxilim t (fi)
Ole allooll of ary dhor guo+b nr xi*es obltinell, and (tit) 117Y fees
imfx,srtl kr t15e of tm Ar i hr is tNwxator to addido , for made traasaaio 1
inlr bank mar.' isvss its astonnrc tralnadiat fee or Ilex dock or Won-
hautim;chary. if am. We may a6 dear e a fee of $29 kir eadi dock or
An I OL.Wt drdim In, as or nor agent in axnneefirm Nith die Program Olat is
roll honored mpol frtu prottnm!erl, c!Nect it, applicable law Your bank
may also sees ill aWnlnri charge for snxdl Items, t am'
Dishonored Requests for Payments
If am? dock of A17 t (Ire tit drawn in. as or mu agent in mnixctkm Vida the
Pr ciao E: not hilmo d bt yrtll( bank. NW hot ft rigid to dlarge the
atlm:mt ei any %rch bars".' inn. and the dishommd f±aynumt fee rcfer"i to
at",:. m it. ,;Anj jute W111 u ill atkrt Om all-01111 from VIAL If this
haigtia15. me rn;t rhnai pmr tii;in to participate in the Prrn ram.
tm a'itain Itauk :Aa•(xuts, yixt drily haw: a Ali agreement Ath lot m'
will a panidpading lank, xrlydtkK firm, +x oilur Gn;trtcial instinrikln that
alknts :s lire of rx3lit m be acasxd in the eN nt th N ysxn hank Aamun
cooijotc insufficient funds in make flmnxot b m. tni slxatld der uo the
;fYlRpliiatc agrtirxalI R4ating m than line of 0tdit for the xi is and
caluld4imts that ,trend is tut:.
Liability for Unauthorized Transactions and Advisability
of Prompt Reporting
ton most all Is AT ONCE if you bdk%V Om Gard tx yon PiN has beet lost,
stolen or ts01 wtthult inmr prmrtssir . 76*rning Is flu- lest wai• (t
minimiung (mJk• kites. if a Irulsadxm Nan un;mttnriad, and within
her, ems aherwxn leant :dense it you ntxify us that fire Imltutlkxn N?1S
tn;nrtlrorittd,'AC will not tot l yiilr liable for tint Irair&w rt. 111, TY 114,
eI"I if nxl fail to ntxif, Its, ynmr liabilih' for arc; uenxlxnind balls adktl or
strks r! related unamlwriirtt 111111 ditwL shall ant e(aed w if lot,
belk•,e the Cc:nl of :'nur PIN has teal lest or stow or that SOMIKIne has
tr•nskxrul or mry tiardier mull low, "if Bank Atry,unt W11110111
pemtiwiat calk
1 aattlt 5q -jfD 1(1(Nidhin L S) 0 1 ii6133-3211 toinskle u S.) aniline, nr
writc, American
um la WAV2.3,S30.
(hnwk III t;nded,laks. yin niay also monad any Ainericar, F',I)Tm Tratel
Sdvicc Wait to few a lass or deft of tom raid to rill PIN.
Our Liability for Improper Transactions Of Payments
If it rrutsadion is Inc aomiteul as yn I= directed or if w do not
mnottdc P. transfer in or front ywrlllulk Aawnt is' time in the mind
ai font, NC will IMF& and mmect it as flemsary. otxt yea a&* tm We
will 26'o rrambtrse you for wir actual Ins- or daring s, if any. catsed by
mar ecru. I Irmm. Ihele am some a aptimts. We Hill not h: liable to you fn
I Ole WIming irstarxm
• if. 8lnNigln no faith of our, ynul•Itillk:'(t%%Nlait does not or dill lox
arlcit exNlgh mime, In orinplcm ate trin"clirn of tin traufa wnukd
extra) all established aalit limit:
• it the imxs in tan Rank ALmint are or. Non at the tax• of the arlenvied
tran%joinn alljtt it, kl al pmts m Wwr ernennbratim, irstrictfng tile
trtns'll,
r tt .4Clurtdlxrla^nttm? am malting Otte Iriosildit)n (]Ill not
lied( elmigh cish•
. if tax' AI'11 w°¢ n , waiting pritft:di and w,xl klni\' II lik al Ole time tan
I !ark.A makingitmtmnsuifi,n;
• if ctransuuxts bewnlxl onar antral (such as fire or flrn) preivin n•
Immited rte ir,,ltsixtioli, desirite reasonable formauuols that wt hace
taken;
• if :a lejolical nntuluiat k,toNU k, you INro-tnxd die u-Metilm!
in • nr am: other esalttaxls staked in this E177 Agrtmem.
Business Day
For parflows of this f:Fl Agar ment, nor NOW days are 61(rday thmrrgh
Fii(Im. itolidats are ant ixdtl led.
ens in Arbitration
Tlx' Cant Ancient s g.xtnxd b, tv: rartllretrdxrAgatanelt mntaitxd Ilemir
11x Arbitration pnriiskNr amtainad within dial ageemail applies let this IV
A Agmtuxml. Pksst vier In that i nmistxl 25 ysu red this EFT Ayryec m%t.
. Privacy
,and I:Wrolk futxh IiantsleiS you initiaa pursrlarrt to the E('T Agreeraxilf an:
axeled In• Ian Arnericm Exlmm l1rittio, fblic5 a mly' of i0tkil was edicn to
grim "xi logd. Nigh you American E\presss Canf'(o?itit• our PriviLy. PalicT'
d w online. fill-kit, eisil anxaicnra'gacvrrnn.
How to Contact Us
If fir 2M rr.Erm ;sm wiser lu cu?EUi es abnn tax I'n)gram, 31X of rxu
pioldInition in Or Progrun. n' about kmU thrills relating to tint 1'rnemolt
t' or add lis as follais•
l:n it I: I'oulmn. Fnuck:!4•?:1 q
I'D A. F.RICAN RXML9S cARD31F.MRERS IN WE UtirrFO
,T1Tl-S AM) rm 1F.RRiI'ORIES.
YOl,R FILLING RIGtrM - REFP THIS NOIl(E F(* R-IiTE
ILLSE.
,11119 tnlia ml4aills inlfxxtant ittr innaunl about you d le and our
cSwllsibiliiits nailer idle-Pair Ca01t1 Milling Ad: "
Notify Us in Case of Errors or Questions about Your
Account Statement
if wu chink yuv statcnxix s Ntrxlg a if yam Ixid ttnr dell ntnatimi :dxatl
airalisa limeof iillfSnLL1rN 1LPaik Ili INla c/)ataasexyitfp:gxr"IlIK
addns her billing ingnide's liatd aI yrnu 51"xirwot II'rixt §; Is as ham as
ii(6,01lle. \Iix• mast heir fmin ytxt err, fist r trail (4) clays after Nt' 5011 PLI the
first siatJ!xilt nn which 11. ("K or pollk'm af(xrnxl toil cut alsr,
feklti!rmlr ns. hot III>ing sr will 1101 Pleservc Mats rights
Ill irliir k1tvi'. g"A tai fix frl SI119 inionn.dkxt'
• cur nain• anti 4W011, I nlllnlxr
• 'rtmrk4laranltn!utt?lhesa9Krkdemx.
• I)ee,,ribe floe cnnr, and emilain. if \r Ai 011. wen tnu IvI ne there' !s
:nl error If yrxl 1101d ism: infornaliu, dr:sc'rilx• nhe He'll era am
no sure j64.1
If wu hire an!'nnd'.'uhs t• Ian .nx ica,unt laud xiht autxn;i c day frill',
'•.11!1!' sat i(1'a. I.ll"tA '!gtr idler :xtn1t11L wNt Call soili fix f.nnxill tin :1111
annoni huh think s Nruns0l, 5111, oil(:' pa:alxtm, p ur Idler must nsn h is
thrrbl>;ntssdnshforktautnnuni pipna11sch0lul01lumcur.
Your Rights and Our Responsibilities After We Receive
Your Write" Notice
We must itela ^AWge your loser iiidtn thin; 341} d"ys, Vine as we h;Nr
a,rnr'ril elm earn h• dx o. Tdiin ninep' (90) days, vile Must 01110'tm w
fireemtoresnlainwilyNrlxik'redie st:.tsn" wasmrRrt.
After N'( Kiddie your lee,: wr Cannot to tO mlkit :nny annum yrno gUe.6x
or nlxm you as drfUx,rerlt tie aril aNltifille to bill X41 for tin am(lnt IV
g xsli(n, i!xitxling Fnnrize C,Inrgcs. Non r& , not hint In jxm• any guestim
:untalt i hiM Nr :tor ir,itiHiOt?g, Mu y n 2 L till ooliyrxd to ire rem Ia
tiF'..v(tr 9akmxnt that am rat it (pe'sitxl
tf Nr find thid'Al e Mile a n119akc on ±u;n 1:d01t0.lt y,Nt Ndl xtt haze to
pa any Pinaixefhargsnh:ItJRt:Op'tryelirmrrlanxnmi tfUr1111ell
Fees
\Vemin hargeafre4,tent( udAmmutletudllalxtsfastnancndk t
:1! all la",., . IIn15 lee Neil I1C "5. t!(liK' "i1Nn!?!. nF tide tallYlalnll, &1111 .i
tm
kddrsa Mrxr rnn lulxts Trawl Relaxd Seniors COMPam', Inc-, Fxpress
cosh Ofxiatims, I'.O. Rua 2?(M, 6r+msixxa NC 214-15
I'r4eltllax. l •F00(+1SI I-N(oW. ^4 broarsa din; SM"I days a week
in Case of Errors or Questions About Your Transactions,
is m ill nu elder n "amens Mrs ohm ss sqn as ynla can y
\Vrite a C31
x u think your slal0lxml n Rzetid is wrong or Y vm mid nxxe
inGmnatlnl al else a trailsadkila 1ia01 na lilts oaxirmrn n raxtilx. Vi'e mtsl
guar (ran yon nn later that 160 day-safterva: s0 1t yet are Fll:ti f stalentin
on Wiwi tlx• pmMen or emir allflrard.
1. 'Pell is your name and fare kccount nunbxr
2. Il wdh ale error or elm transae ill you are ulmnn: abmm, and eefllain as
dcady as \W are, wilt' HAI ix(k'iY it is all elm or wilt toil reed I'm
intnmlatiulh.
dtdlar annm:t of the aislxrxd erne.
i. 'thee us tile
v13 670650 7/19/03 5:02 PM Page 4
if s Ni 4tit us nrdh: tic nary mfuim drat iffif surd Its srx1T canryrlaflnt ,x
gnxKtksl ni writlnrwi! li l jot, sintssd:n? fm,n Ilse it k yap notified 1K
At. Will Ill roll wilt; of nur ilovoipati"I n?thin ':O husktc-live Afkr
wr he ,r hTxn iai lux! xe Will lint( win enT,r Ilrtnlyxh. If We road nxxe
tinx:.Ixvt rr.ticlit, takengrin_i5alktxlardes,ininn:sfivileytnr
(T:ntduinlnrq;xbkn lfWr:kchkk)•k,tlsxarwill:Mauethat :ntrhank
nrm11L ,ra:r?;:n;k Akxnwl nidliln Ill bwaloe? , l.,= lea nix lttxxmt tan
I rvisinlriorm hutoll%Alll::(,rem IJ: (Ixnxxt chrtrigtlrIonic
i tit sic, al.r.mi
'f .xl@,part
k ikt? n, u. aoq,kk: our i11ux4ig;c(kxi iaxnor
or flume x! in Wnunc alrl xr (to 14A nnsr it xinflin In Ixahxvc da),
f tkntincpoitr ore!. I;nli(iroinn, Wr map n(d rTrr+lif ; Will-) r -
nI :tr tramictiol, initialed Hula,' dx I mld Stat^ (avid ill the Mot IIV t
ate tra,gm,r:sulfingfromtot)Iofnt-uf-saledt'bKcanttrels tkru).tie
Will Iruc!!m caloxhr J.ns k) Woolak$: our in:twgwfon. ltnle.? otllerwnL
MquiredIN•I=
if rutifc l on of an (arm is Maud Within 3A c leoldax days after )*ttx Bank
Awfooli4nlt(11e(1.WewillIIat,:'?)bisinc'RJagstopoide- withtx
milli, of air i:frti*igardmt and c)rrtt any,rnor aril 10 da)a locompkae IN!
if We Jcritrnlnx 111:11 ol(m Was nn (wile: wr Will send Iva a wriv l
cxplan'atiun Witfniu t! Ira Ir.,itxac dins afar Wt finish roc irncttdntai.
I.tx)n ;rn:r n;,Iit3l;wr Will txrnidk• iaa Willi ttglki d tix drarnxns that nt•
11ed itt or i:lw,•Ofgartlrm. if cr; hail(prxisvm:dot nTrYlile+l sYxlr Gmak
t eattx'n•W?i!nert!tr.xr
:)w.41nt cl;riitctx:IIiFlS!le:dinil all)kiern lilw
e:i!I llfA6: ,1114 the afar'(' nn Whidl w Toll r livilh Ncir Balk ACroillit. anal
f11 anvil uttoIrddhil(d 1; noshxckhmike mr inifiatyourWoolActanl
!'ti.i.anl:. ?Ifiiclenl (utx6 to nrwr Ilis,l(iN1, If it 6m nit wr !)aeon. die riche
to do:7g: _=.u11 arno-:mt !n Ex• C;od. .unl nr k1 oh-cl the anxmnt 10 yo
tau if d;ls Intitnen., at: man circel crier to lrattrt'Nsk• hl Ili'
Termination
1F'e or ;nip blank or (inalload ltntikuitxi ixlnidtxdmc In tr I'nl,Tahn :nag
:idol Io or refroe fro ni the Prry;rrm any nr all 040 Of takaxl or limit fir
,.(.leis pnNilk+l at ;my Ir[•atkat Withrxrt ni,R?ing+txi (x3rx!"n:x# in
ad(Iltion, vee!nay Jisatrdinu(ti1 Rrrrtm at soy tinx.
S(x r ig (; to paA di ale in ttO POWul will he t nnklafd n soisfe dd if
then a(il) Anxxull s amnlM i or s,txax(c 1. if wI: culni ile a+:xh,rirOur
;vu ira:c (,dint ivu• hank in Jinxth dim) clxsia n pox Gunk kxxint i(
iu l;xuk,k.Yxrt1 ftmn Wink h p;nnxan Wit ix ma k.ixet al flak
it:Irh,dkx, nailer Ill,' Pr riot s ti!nd in nithclrana! traoslaciim)s fx its (x
nur a}mntc W ux(r parliripatkm !n the I''WIt", s ilnrdce kr IK roielluthr
nxnnhs nr nrnr. ,x if x' [;IA) Yawn? ti al kNl{ tT 10 tux l Sh1n her,.
hi :kldltinln k) tK tunrnlnt•, x^ nap rails:.nur riOlt loirahicifi* iii the
n,gren. at ;mv lino'. of mir wk discrtiwxl.,:ith ur witlxxn crac. stlhµ'd r
apple allle I;nc.11 ur cop .41. we will sill .+nl ;' oral l :rAC loll We mac tit .
111 nulin,!Intil :Ifkt'tile livocnion. lee a61 haie the right to liplTy
:uahofit_ninn k,r all, n [kokrl of nsadion atnr• limp., ilk'Sraf
di rIkN1.:;li no n!!ho er!rt. alxi :cif l' oo, cill""I 1. fa:.suhpc to
,I,plicahk law. lixi tn:n' lerriv a uxtr panicpalrm in Ile i m min lnat
l t I nlil< ik) ti) If, %%14% to I, It tx' ,YkIKS` dixlixt) in dleSctlirii l,f (hit
I:I'I'A^,ntttii.a'IIIIIkYi ilatn it}Cl)?YTA(:fIZ,
Plo xiIIArwtl dell !11 a iecow pia,: hlf.e.. stgry+litg aW:v from the KIN. ft,
riot e of ,into surrnn)d "* if van lriine )a!l am hcll•c icak'Irsia'
fnikA td. r non! your ra,s xtxnt ilia! gn u, a wcil iraixdakal ansi If
txtxsr;in; r!II ti(klral iniht:
i)n and nr=" vrer PIN rwtlxr nil nr Ilia( di( (card. Pk) rvx ghr -it Plop
rantiYr In mnmle dec. in emu cl:ei atx:run. r..ll 91 i. i
Cantpl;dfits iunrrnIrrr savdtp at an 3nuakn:1 FxPrss Ixdnarslr;ukl he
C 'til f ile :1;t.1' L$
olinxt(xl to tl e aikbai, haul mykr "Ill.
Knee. M1ht} s l'•.mc nT(Inkal Ixi»d,km rmlris at Af ai ht atxcn iai P:!',i'
V,rk Or, :u-•/rx as nslulrai 11" 4x;tt rev ulaoiA eti
°I'Ar\tasstdfuxt,rr -&mts lfierklxlarda<lrnk'adc)fkttsin+turL:rs.
Description of Coverage
How the Purdtase protection plan ?Vorirs-W7ta an AtntTMdn
Iil?k2C` G:dnxmb(r chaffsaernt'ad!xudtaw%idl his or her Cant
Accourit'tlePurdnxPr 'L )at Plaitprukrisdualikonfix 411cklrsfrom
the date of ptlreha is if it is stolen or acid(rnaliv J -n igee) itldtkki iSn(Xi(t
rahdalsol. 111 trT tl-t r s llinimd )o ? l.(XID tr (kniaraxe. Up H
1X1 Cankrrentl r Am,unt lxr pulin'tta[ ltd s in l0(c:l CS C f (ilo( wino, s Ii
of inde rinit . a
How Yost Benefit i'
• item, illlxaxnhalprt,?fxrkpurltautd:mdrhilk•W1d:tir(ar.!:;r
rntnt 1. of !uding!,''t(ts porchavel fm oilers. p
f
• Asa C:n(!mrodor. wMqua tit asc' IS OCA Tul k,r ry(!(Fa)s fnr t ink rkat d
undlascidratnn nir4 7lI.xtimtdtr:prktdtttr;;writ:tvit(n
::nh pxu Ginl4c+w.R' ,(x11 rill) ooh, Ire reimla:nctl trn'thc auxxna
-rhe pal to tixtr Crud
• 'fhc I'll cla PnN ?5ax:1'lan pn:sirks crncragr for all 3) S!.!XXt n =r
(edit (Yin .)( flit m; rride ai:d dnna',r. aluding c:nul:disrn.
i1'(k'otrwelcc' ), not to (xtud f jh,IXXi i a Garlnxnlh r AetYxnn IV
lAlic t )tar
• Ilion ^ T grain :elminsitata hill ckxkk Y-Whe to halt' ilia )lime ;pair)
or 1ty>laiwi, nr k ranthurse)au (cash orcrdiE`) wry, b file amcetnt
chamtal In, the Car., aril soul. to Mc> d die ariprul purchase aril.' 71x
I'ilr':las( t'ro vilmi Plan dries tut rcdrilurs: for vhiHlblg and handling
exTerseso installaws.:ssetnhlp.orother erieee111W,
who is Covered
Saw air cow red miller it* Plan :rid cril,19W MAN-. s egc cfi as kng as
van ere a us . nskknt Canjuemlra',11nt is, rile imad , Rpm Card has
Ixtil iti?i Yl in M!r name.lion +1)11 maintain sax Penlixiew Resirkarx i ,
the Ol:nital ti'ralts dA lurk i, tl a D slrid rd I'dmntAa, llleafi Rim, or tile
C.s virgin Islands.:
'irwr?'?'riua:l; It {S.si(loxi• s <.mskkral ;T,ur priman ahelhng.
Key Terms to Know
uRe iktk Of
• lklxill,willlx,tIV paklif toll lhwzdalertOrounaxxr,on
der iml tilill;, m+A1 the cafe ul xtxdi-I1 dam IxTorwa ao) &11Nxntl ilea:
.in c„ 1r (;aril Arnxnf is unjaid for;xx of nlnr hdiingc eke(s)or ramr
t. rrl 4ix,unt is 1 ,dkd.'
• lilt( misf prutik pn:,A d!xk,ilase aakt z~itC::car. prod of ti><1h:k.,
xi(tdmn!ti- mcllashutltdlimiidtolxxrlcasursm
i!rance
re! ratter's insrralice-the l liritaw 1'nl'8dio11 flan pill aairthat anmunl
ties covered If. such other imlxwc( or ineklonng try; w the limbs of Ole
Plan ;se- Pnxtcton Plan
mngx newel pnr{rans will to kdu(hd fmm t!e mig rill nr t id tie !icon.
Purchases Not Covered
;kli kal!al Jams , n' iiaAingvaorha rn Wf ik cv+Yrafn+s iai tFcrt to
Prior Agreements and Assignments
rf an,dlF fnr tracnxtn mdct tits Rlrhae Pt okztket ill 1. Kcnlnlhcr to
t11is EI'f A realxalf supercak ail prim agrtt wla ltxa m n Ion: with is
ating In the Program, yr opine the light to twig l ;!ts I.-IT Ayrc=rtan o a kc y all )v:lr America) NP: M clurgc' rm•iltls. odo'J"A stm "(apts.
subsidixn or a(ti{!a(annl,,:n at ant intro. and dnnratxd ikans. Its is l1r
altslltat
AelanihVI.XPR' :Sti'I'itA}' Ei . liti1A17 t'. f1 t:c),if l'.AR't. i 'i C Exci Itdalinxnfttcwpmlcs,rot+ottiPtereald axlalkdihle
I rode)) ri:ale s, (IIQIXIII!sm 1lrxitl i Cie e-i fnMi! kxes! I'm,
fnrrkr.! A 1,00111, pus kill. l,N, m> r Carhudnh:r Since 1!18i
Note for Massachusetts Residents
fencral D'rsekzrrrre StattrnerM A1r; ckauarnfafkxl Ixnr4kYl lo;:era . ifa ek,checks, ticetsOf am kinrl, IX tlahlr hbtmntdlts ("o h :n gift
u inch a r!h ails that an A:rFnxtir finrk iron i r Was trerl dial) ! ctttiiifale .gib rams and gift HYTls) , cosh or its aPtinakalc
8tlllllitilhk';at nallkllG:(1f VS'1)11';Itl?k:r 1lrid:tilt Rx6:trtltl mini facie tiro,( , aainiinals or liniii;14211IS
r1':sic:Irin,kswal MAP . axtstnnaileorp'tiluhklicslxw!!hilmlKYlllk.ycnslsIch;nhutnol
lhri;litirni,m N'rnnafavtainckYam iclu;ld lramkrs front gnu Lank
A limikJn.Imflumlight hudo+.hattt'rks?:
aAccount niR, r C!m as utirWix=pnnirkd in the I'I'f.A)maallc:ri. diTlilxfr . tl ( tin( rt purhasc. ued. rebuilt, r luilis!lcd, or
iinlnate c nx alNlity to sky, yxruxait of t (tn tda
ml tenanutadurol item:
S i)T . if o)e damatTJ,x smlat ikon (xlsisls (f :tnic in a patio, xl antaa
1:51 o'il IEkN 1SIi PK(Ti IDI7) IK 711IS !1rf M:Ki=. R h'C YOU, kih} k
IC)PPA).ulTl'ill'l7l:Cl1ti)ttICFl4fk5TKANtiFf.RS171!:KFP)RI:.}'Obi ,ill ' llmltdin nontnrG)antile vakldairparinrlarpanOfPans'
Shot'I_> !tTl;kllf(t}'lilTt;llt(NICACrJ:SIC1RPl;R(ItASIStNi ullks;teanj&aftitmsahkhdirkklafleandcariighereplaced
isl1 Sl'.K1Il;fS I:KtJ SS Y(tU Alii: V I I.SIIIT) T11.Af Sof W11.1. ":(17' kl l7i lU ind'niditalb, FLOW Of 31:y 910j" value t e' anldc'(s) man have had
D as pan!.{ a set or colkrikn:
S'IY)P !CAS;',M1I:
iselosilre of Ammons. Infrunuatitm to Third Patties If }rl l gis is pernianvii hoteehld xid'm btsilless Hum it ludil4lwt not limited
'Air N'rimt^.1 aiitrxi'Anl(x1 k, d19?(ire Illlwna1k11I ahlzn oak lour i,anl In, carolling, Iloaing and/or tile:
A('(1)Iilll Of tie fmlbe..'1kNlS lllalrarllYakltil aln'peranR tia[:ertlQl7+rt(in • hisliIm timans, itxiixbnc, but not )indict) fu. airmidilimrts
S!ixll;Ia11nn1atludle ayllr tij ;ktyti :1141' Rr receive f1. n#riccnciors. iMAIU :
• citstnnt 11(slitil, Alden) aid (ktratl equipnxatt and dktd!xs;
(>f»iortai Limit on obtaining Cacti. }eat hau tux r1Nimt to (((list
all a ram ilunir or assns,
that ur limit lop inbd mnxrlt of esit fiat }n i lox) "in him ATik in
n k akn to $511 if you ekTl tots nniml ih will talk rasmn J'k acyn
mnlp In ;terls IA;w.It1t m1 for rv%lk. prolm noai or c ri nnowic- 1 im'
h oath )nur nqu¢a ikon, lilt order i!'cill:nealt Nili:r" hie till tense purchnsYl (notn
the AnTric:ni Expw Lkfrila:di 4nins),
For Your Safety When Using an ATM- Please Observe
nnirrciasl nglki(a anx) w;ne:vralt airrah, a1d InnsimrksrA tier
Following:
f(t!t ! ll irx: an' usingis l kit e lndkfimg d sr trt:rtn' krx cmty kklr nxArm. equirolkill. Parts or a(ITWWk
u!wnedring indhidial,Wiloirileaky-filliate olu.1topillXi'SSInale ? iftriseital.l(weal!1rblKfiYAftl(Il(0.'iIleI11ixaw7Kkr ?ck!r51F.Nriitlfe
ows .
ma(-mulxdxd t
Afi,) dr,nk' have a cant . 11 1re inn h( naaskxis nil:li
Ockurc? ncesl o? Covered
gain :rvvii i. an ki" .0 lo:lhil x 111:11 am x rile) rot rnthsluai control
tars sl.(ten into inolonrdliet!'s;
(iris (rot masmianh safm-W by vvu tier [rcruTq k, unlocked
nalletndttt ikam stoke( from public Irxilifcs will not be area ed
rnb i from b:! ipv not carded hs hard or& iww l
uttxnisiml or under Ole, sulxrsislrxt of a traveling cxttpat knoxtt
N )'tor.
leans that %al damag( thnxl; t ataalkxt ? ilxdtxkng (nbing s ring.
andshapingl:
rill(, d nnnyyrl If, normal Win r and tar.. infirm n pndiki k6td of
nuntd doom, of pk, tsxil as. hilt not hirlild to. golf aril lenn:s halls)',
()cconeoccs caiaxd fi• son of tic folkxcing fraud; ahw, natural dis-W
i:tchillinp, but trot Ilntitol to. fond, eardtituaL lomadn or h» nicmx;
War or ixstilnia ((any kites {( F. ircasi(m, ttirgi xk btiattcttinn
ooni'ucation by order of an%• g atrnrnntl public authorize or cuaoms
oiftcia; risks d contraba:xl illegal aditilp a 1M. lnillnrleti!e
contamination;
!tell, lost. datnapA or 4*11 under Ole cam aid conW of a anon trany
nr cnlwlal Carrier:
manuf:irunrsd ;
Aeolis at ale 11110071ryN(d rinismicixn site.
OW to File a Claim
rntmht,r to ins ire proolpt p oem;inguf vex daim, nxi lxerl In rip xt
mrdxknrdanup inoldia,4l:li raingdmdot,of11xOmamom
cltvling for gifts punfl; wd with tt(Cnrtl. Rent(arlMr also. vYxi nri le
emirs )ova, mccilAS aril taxer dine. 41 iron (if Wllrel) until the daim
lows is ar=lry,ide
c:dl toll fnr I a--31' f%r to r1xNf talc claim t,m rote till aillcs tat
Ncne: Iio, tm,4 nyxirl pitir &On ir'iollm 30 do mKan n) liw dale of
(k'Clll'rT.'il(S`.
L. 'ion map Ix stall a purchase. Prataiiun (Alum Form which you must
wrnpldo, front and (rack, sign. and return to file claims Ace with the
following n:tulred lixurrents (keep tropks for your oam rev ills):
• the Arne;;; 1 t'aprez dtarge rategt
• rile originalikenlnxlsrmermlph
• topei: aura:ion"aratonfort,foryatrotlMvirusnfirsuranceor
Indemnify (c.&, horne-ser's or ter l Insurance);
• a plrosografli d a!xttor repair estimate for the daim* item {dannaP
claims (RIM: and
• for tlidt and randa!f,tn claim,, a milat nrarding into sk)Ital or
:a xkilUd item, fins( Ile filed wide Ole agxgxiar auibilil Idol`
pin call in file a claim 'id, ?Ile purchase Fmttctio l Plait.
Nett: for, noel ndnrn )Tin' wn#dat daim Jorrrr rmd rtTlrnnrl
drertmentr InIbirr ()( rl its loon lop rktle'r((k-,(r to remain
r4h0ejar axYntp'.
i o i jJawl.. or k rehrobuA )Tor m crdit`l ly to 11 le 31villot airttl
dl:h (A to fie 0310. aid nut lo,aCced tr on-41 l puniiaai p ig. 11 le
I,urhw 1'n,icclum Plan dn* lid n lotoLfw (m shgipitlg told hindil11g.
cgx1lzM ro n, dlatiat.: sYturbly. or oth r mn-im ch:i%s
Note: Alb (xrmrrrrl Hilt tx 1nrrA,k?r huniklclriirns or an «n}?
ai linac IH,/ ulr? cots;/c: !be ma)trer mPorAi+m /lw /nnrmr.
4 Nor damage chin,. Vau nlty he mgttimd to sod In the damaged item(s),
at )our mpeire ix flutter naiuatioo of tvuv clakn.
Note: jAvadarl 1r)rt marl seo,1 in lbcr drrrnrq(rt'1 aem n4lbin 30
ekl15I)orn lbe dale q/ ntpiesl /a renrabt digfblefor au.aTgte.
Important Additional Irdormatlon for You
-111c hendfis provided u:ik+' the Purchase Protection Plan 3PPh' only
to von. only you hate ;illy It-gill or equitable right, rmcah; or claim i,
insu aw; proree s and/or dama{ax under or acting fmm the
Iurchase 1'mkrlkm Ilan.
All n.-twmille and l radical , moist be takcal to amid or keel(amp
dlanw of prpx!rh' ow-err'd M he Furllare P!oWdion Plan) bring stoic)( ix
cLlanay!.d.
%1nel a Mrc{it has hel'ra lnkf uil!kr rile Pmrtitau: PMkVdrrn flan, the
Insurer lxrrxtrc wbnry tkd, to the extent of aldl Ixtynxru, 10311 (nur rims
;mil mnxdile; vlirst amp n?xxta!tkr Innv l=loot our tttpxst, iai 11111b,
prmkkusttasmate?g5atx incdtdingsigrabtgrkxwlnlsif,ict"Wrp,
in brilla inji ill Mir 113111.
11tc Pudtasc Pmie Jinn Plato is u detwritleat trv kMFX Assuratlm CwnPany
("Imttrl I, Adhninisk:i6it oftiiti. (room Grit }tsoat,in.7lts dnculTra t
stares my 3S R des ripikn of coverage 3111 is not a policy or contract of
lmnrarxx; the alum kook, conditions and lafdlsk)1, 4 Policy 00951
{ 9bixv ) govern the pur foil Protection Plan. The Polln' Inns bear hoed
m) American PaptTSS Trivet Kelatd Ser"ns C'un"m, hoc. ("luTre+iczn
Ixp es-), the Podicyixll(Ier.11 is downxelt nplac(s all westing )info
I. tjrots of (' nmp for rte Rinilase Protection Plan.
L*AA- ;01ba
k-lillth J. Ciak Pfeskkiu 'f ullothc Meehan, Secrelan
AMEX kswltxta(bnitxutt AMEX k!auratleCanpal!y
672tr11-0f
7 Fbr 4m, d (line rnul errnt!lrxl in lbe.Ilenrllfn iii R111Tln&
pivkwon.A't,War'Tt(nr.rreI PITAr"'npn,alw)belm)T'lkim'd
Ibn n ni r kwr(dinn kra rtkmlx'rdly) Hrurtrthlifugirun
r?tlenY4kiu arlilkate.
v13 670650 7/19/03 5:02 PM Page 5
k(xt¢' rdigihlr vna! rr?rJlrtl br The i!rn?lxatihy, Ntvtn"A•
pn,rrta»r. fret {;.+.: ,nr• ,t!a?/xrhl n! r i Ox•,nrtniva rl rlru; !.. r+z i? *1
ihrnln;h Ilk, nt hn?ptknr;?n.+lrmlxRFM Rrrr,:r,i)f»n};?eu?:
n hitgdk,n co,,0adr
i. Gnrlit n'i+nhnrx nxarl ckxs nol rq>far to Ali,' ifiaCWty naalca-J.r.
4. 1v,r !hart, dig0k and -Itiltrl to 4irr, }k rn(xv br,.'! Rc+rr?nt'
ornxrrll)? lx(l;iuart errCITY& Will norCAM, Ux,»i;:inrr!aurgnrrt
,r •(11(111.14llle/xesmn(;,l /x'r9)edI' nicrntrt lhrorgC+ nzk•ogvinn of a
:itrmlhrrsnlp lrrrrznvd<prq rain nrkrildirm omliftarh• UP/0lbe
and brintRAII9 r:yxatvir.
slatrxl Grrrr•.s, enfurl9rq.rbr/y,nq
;. 4ufa (11(1116 troll 10r tinx tanviie l ir, the ntxnbi/r Rivmt'
nr nrkm x nn rxr'rfarlr
fxa,?+r?mast lharrtxasli:]rRernn&proRra /
umru+!r1kndtvo?xtlln't4{:27x,Gtnkucrrrh I.1n,1111srrrfrml
hrlxri?l ufxnr a lien?lxvevyi 1t^rrrrrtA'/,n>rrtrrn mkan(rtrnr
sillier Jr his ixr r molshar'r? m rx,ntdirlrlr r in;lm rnlxra
rntly»' nnn rinr nrrn lx•^
( i . i errs u0i (1101I O N (.• )` ,'k V i r• nxkkvls.
tftk•n td ;ilrtc,rntf,nnr;!!rfire Ilk'.fhvr/ka,lsj, Itr?rmrlvprr.,;+rrrm.
prix{( n(rtvcr,;err v! rdirm j t Tall nr. "Itch pti vX7 t nA 11 us!r ; a
Irntlx•r,hn hrrr, rr.A pn(;nrrnr nskn?glxur ter7t'1"radr. wnJ br
sd;;ninul it? ,rrldiln»? 10 roLk•? nr,.^^.+rrtai rkrwrrr%rh:. ;`reprr:Jal
'iliawv 11R5MANC ?Est+ti.
rbamr n,rip .10011e1 lore le(lei • ("11911 Im or""'
warrmtirs, and prdlx'e nmlirin>; n.,rdr.
• it v,x! nurch;se an :nklifiulal arks oxrr:X t a exx•Ixkd warrAmt with
aprdnl wilirhisoixrwisurligibk•wxkrdielAlrrrsAs milmliaq
and thv' tunlbiiad axtnB Ptrx'i led b Ix h the dginal m:lnli:r tines
warnmp and the punila, olio n)itme-, (lo s tail ex(eell fire 11:5M
Plan
then the pct xkua is eIigfhk,.v axaiafX ilrxki dm baser i Asalr,2u
11 to h1;ltrs Asst!mlxrPlan ,ill txtilIf Ilse waminh' li!m 1mdnd n d
mimir nnrla', e of ON, lKigicc!i m•.,nufactim'%aa,r 111 dpi to a,t'
a,klifinn:d fear: a. plc boill!.torWrit9nalinv"nLxgnrerswarmhaiXlle .jo latcI mil n, ronlri ,nr
LthLxpiRxl If.IraxjArr.vixlpurchase art
I;xi,rttt
k1pric ill S pct ' Senor I fail x9111 a purchme frun 4meriall
perch nclsL a!itat tl IktvMS P<ulrwtt 1'bn gill qri k lxi im OIL'
srnXx• plan is In tdfeeI if elm wlnbined a v r:r? of the origf:lal
!nallufaturu.,wam ill`xnltheptudlastdWmix•mntrlaexce-A'fin:
}ears den the ixrdtxt P ndiasd is not eligible unAw dm lkhws
A 51(rallw Plan and no anleMl? aflplics.
• If Nutt buy xo Viddiiilnlal 9mice mltrad or it, l xkr led %arrullr for a
mmlmtrc mnrx G r mml oixit tx pan that alradr mnxs a9tti an
original I ?. n"anu(acwrers aamulh, w11L'? such mnia?• is llroyidkd
Irons, anal admini?:mi h: dm origi!ial nlroulLKlitnx axtrate undcrter
Rtr;a ? Artu::rem Thai ekxs txt:gttdq.
Products Not Covered 3.
• pmlllcl•:!:!>there'en,;nrtullelchlrr a:!yitols%alidill theUz_.
• at tam lido rilxtr nos, l ad mhill n9ud cis I ix nntanii:unnd (Kitts;
• prtXllici, n%ml h• an urcmlxidiunal salidadilxl Wylrtmr.
• mooriml n'4nKk5 (st c i as can. lnx'ks, m(Anti},its, ixlas, airplalx•s)
and dmir pare. W*d m 1`0 risk, conihusti,ikw,Ar and tem. or
mitcage sGfsdatirxs (mdtldngba"arits c irliumos. i)It.llclvts, 4
pis ms, brakes, f lei or tote-1;
• nxitaatd de lets and Oni inrs used for Agrinil lm: I:uxlk q i:lg
deninltlion or atstnxzioc
• mn2«isxdrlrlasersidlcir;x111+sahidlamnemtattent:Xklitiorarx
G,,lures in a nsi!kntfal IN ax»ntcrd2l Wilding j•
• i,usilm fixlum& inchidin, [lot met Iimiled x): air aaldifioxrs.
ldigtrtans.laxkn
• hold or ioikbngi
• ccAtumtcie[xpcdsirrdt•iteati
• aniinalsxIningplank:
. ca se,l-a kit id pnRll cls;whcl101Oil he wibwl:
• itcins pIWdlaU11 for meal, jWj% ilIAl, or anovercial nvL':
• iteor,still nnderi!WalkneirMilk* je\ntdiIA purchar!Jlmn
f
Anriir•:1i Iivllress \km3r.Iaalia ticrictsl::oi: .
!mvhKe wnh nunliarni:t:i? wamrntils, or nx,itlnLd nlAnuruiurer s
of
• edrrm:xs and stria liaii agrcrlxalu, I:L:P.1,t i t rstB file is,rs
Occurrences Ne# Covered dalrer result Of natur l
Descripeon of Coverage
fl the ftUyer's A -ail Min plan Korks. When a l agli enihor . am phtsicld:>nu . bidudmgdalmlw a
&W-r or a pow SW W. LUWI to the a tent dNo ilia] tut: ctlarai
charg ode!aviltmlof:Ilxterdpmhlaaithh6lu XrC' I,dAMAMI.
iz M iutancr Man x(111 11x M Ile kvrm of the onpial
li
l a-umn1VoYoS(L1M3.
. (krarur Is taisxt k an of dm kAlmil;K fr iA. all"; -rot'
wrr
m
111 tlufaauars r;;oT:anv for a lklW of tore uplid n the ck!rAtio t cl tile
, to tnc lilinnal,cxc ern a:lrrl;t es d
+arrarh o
'
d h,sdli rtt of am lined leg ilnuiai. «dmRion, inalmctlo,;};
nrfisr l[kal ?: rxJcr d am Grnrmnx it. puhlic aulll[ Tina x o "15
f
aal!I ti
s"
utiginal nrla
file ,eats or k:."N that are eliglile ill the t; S Official. rinks cl alntrat"A HIM, xiikitc ray acts: radknilive
How You Benefit
• "Ilp` Rinig's AW111 ri Man tnkTexF malllliaaill"as harfanlKS fill
0V'
1
anuXlrnnnrxi
• nxLhaoal failure mtaLdncXkrp oilxi iLCIR;
!tees lint WIN! 1daxmltkkthr'ENnt7SAY 1( 11 11(1;11"
m
11(kW
00
rmzr,+{ r!rxluas purcll:lm; enliniv %ilt, o Card Acxn!nt np :
il
a
• 1 ttCTA¢} i C n l' i axxl.
Alklitvxcd year
• \x him -muraae!Ldlimill:t'ti! imilifarinn7S a:1T11!" Mllin'S. the "IrvLrs
'
How to File 8 Claim
!!m'la inlnnrliatcSr. illrilldilig that
(i
2x1!rn K Pl:mr,,kts R.'Itx•1sntTSsclrrare Pfancm:lotpa:nll
ha, ill,ncairi:Anikrtirla l(100.(Fxt,
t Ill
m
RefflCakr..u1INeed wrLlxxt:
ftrcrt(cnl 1FidG11hUA( rLRlilr!rdi!':ILYi.t iier(nrrrmiln;lxii'
r
h:nidn•a,WU!I:mxan
•::liichi,%er n e<sir,nttotx,x?rlS;n-OllkIk!r l!ixrt'er.lxtalnif._•r rY'L111eIit1ei1r1YI11:11n1t6Ai:'rwrera,tAn;!:?`:iEnlllll'pnilllCtrtt§uirirg
Yea!:era .161 Ile Ask, utb ,in a
kte
Sean, vaill fir kill (tlxiirreX0.A am>Irilxiu. .
rpmr until or CUM pants is nXlgi
d,!TTY!.:I: plantiikil fnf'U,y-pfr>'lixt nl'rlhl!mllril. defer, ot&Am:I•!tl
0YU-11el lr; till trrls lido prrlaai exigira{ uarrnn} f"Gerurni n 'f - shall"41alill-
L C:dt b,&fne t slX> ti ;7 ll to lxnih lsnt }ru,rcfaim (n ?xs .radii
At n, extra 11(111.
LilarpAentirh'aithhtOink tlxpn>rranta,bninntra3xvill
• arilcor aAat:t i-3(r±-373-(*irk,;.
Kqe;S%n?urnumrocr;c»nikrintrrilhin o(knsfr:mlbrcknrUf
.
dkcide. adlMllcr to have elm pen nlxtnd or nplcxid, m to rei,nhnrm_ %,u1
no l,o exceed the ofiOnaf lxlrira9: pfxr. the Rulers
sll or cnilil!)
lc ) zr;rrcatcr
y. 11m pmlyarlt adminislydnr 11911 dudak whMlmr in haw! the ilzm re aired
,
.
i.5S1ia,KeIlan dim net rilllbunc Far Slil{Yl?Ing:Md liandlolit Mp191A5 nr
laihi mainkinarworother senice
k rn.nflatiA,,ttoreimlxttsr;ru leash otercdWi up to dx:amomill
gadnt10extteddk.01ionafpurclizeiliia.'S1k
the(ad
l
xla
h;lallatinn. crnbh;pct
` .
ta
cltargi
suagInee plan does red reimburse lot shipping and handling
s A
char};:.
• "Liles' ix p rs:a al pm xrt}' crate s of anildeS in a Or or 49.':his lrolicq
air a s1 which torn, the basis d
itrr l in the
i
bl
f s
Ruler
L I,.Lwa Of i(bAjlio,: 9MIN': nr other strict char ges..
A» ngvxm! en7i Ito mark (,r inr rrlitf rlairnr or dnirns no!
N
w
p
or car:
sisal N. l
a
e
Calmlx`rnin der
Lltal
!
dl
i o
,
S:rI fnlMlftt in llx• IndlOtir niptirid il' 11x• holvm
llm!Ita(knw'ithill ldinsfront lm
l
dd
i
'
L
rva
!i
. x;11pnxloami;Kr:denllxlilnAllix'nliSripi
i!h11id1112 giN porrhmWili ins nthe,?
n klncts t
x
v
f }
fYiI'm,;nmor., lnrras
hall, of (rcurrence to rloahl eligible for ancra;•t•.
t
d
.
p
Who is Covered uct, a
rcr saner! )(al nlaf Ix rgllind to soul to the ihnnapd pro
You errnnrndIi,akiIbisl,kltl:old(.xrra;an:ntail• Idhxtirk)ng:s
the iulnrirni Fq)rtss Can, bat
Shat is
I. 'r
, (
'
sure^gcret,fo I:utlmra:llediandrxirclano.
tiote• ;r tirtxn:drrt. ;ntr nurrl scald err AIR- daffleipril,ns.'tru u•ilhiu
,
.
"II
. ti ka'
,arc::!m a I
(kIg fki"113.uilNlv+);!irvicarnanX•.aiaiv(xanriitiain,oa ft-nxnxrt
d1v i lorictnf (zanmhi
l /Oaks. innsltxdrrlrajrt(urxlln!i'nrcrn±dd;:ffrfor era:r a•.
etfon for You
I
d
aaxi c,,
Rn:kkilce ailhin 11X• 3tl I'11itd SI:Xi
I'oeno Rim nr tiro I S. Virgin Wamlit - ornt
r
Additional
'191e tennis ixm9ekd Walla Ile Ilo ors Jeesnraila flan ;piph oak in roil
Wt 110111;mmmtRcskkslmisofis,kndpxnrnn,a,ltkrllint(pltc aixl:XklitixlaSCanlncillrlStxluxtr.kmunt(hlh-oel lltlrspcrxms
hale env 1.%af a Lyuimhk ri;rflI rented, or claim to irSlIance Plnatrts
Key Terms to Know
• Ikindlts wall not, be paid if. on Or 11:11e,i (joilimilce; Ill the date of
d fily"I
m
? ? amd t'Irnts of der Ilan if thL?C nBnunlrt 6
and
oe
choo Wine. or nn the,tate or:lsxild-be claim p:nnn•nl. one :mxxml
ourGalrlnaxnmtslln;rAdtnlrnrrxvlxrebdlin_;cdrL',Saxxxrc
n ?io
the
I lo
ldlcRrt;KSffiurallailan"ill
r
bkt
¢
a
e
f
r
d
Can1.Mxuunt isca ((`
i:roltPrMI(d
the cffiemd
urchase uxls
xicd
'kk l
fe
qn!sl
nul:Nlmrandaa
m
lt
t
?
bensitm the
r
t
i
Llt the
n
Red
p
p
r
•liremulllxx
(k:t:lll'lii,a: whik' murals L. In dkx* 4)1p41Rty fIN Il,itile Wlxkr the nlaierma)
dan(mliir is ndllkxld511x'1anevenLllitl nl
Urr
a it or (Aber official
liuvcr's Aa:mn x Plain. Renxinlxr to tarp tdi };x11 Anxrian rxP ttis
Iti
itr'
t prcmi k Pod in ti fool ri a puhli arnnunm
tk ,ntalt:lwn
.
A[
,lard reimhrrs'lncsil rent'; n,Y rgydp hr :[9t• lima IV?nraiuhl*.
l nr• llxrx+digiMr (aninrrdicd in Rx•:ilcmiliLasbijl
lnm,Tnnr. (+rlonoll or told Gill rrol euzst/ The ongilml a&,*)?Id
rvr/1tr [ lb t, to rratlveyxv!r nkzrtxtllbmrt i nrkntpli I of a
dlcvltxn, p Rcvvrnb/xngr;1o -kml*on avlihcrrleTyr l014u
:dare!firnAxealdWID11Rs?q IM turdGm?ingL1lirm
lnrl,rvlanr nrvr for 1hs arrmlled in lbe Narnhb0l* Rerrmrl,'
pmxrrrnr: it ,tkan(x+sbQr Ra ynirk prosy" nYlmr/rlt0u cerlihade
tar mrh' br mleulmdin, dj#ble f mbnenntras. &tne li it-91 nnl
heprslarkit a:+fembasto Rarvtntr/nry{rrun mk`"l1W'm
(ledfxak tvrs lxv; lrrmn*nrl to rrnr-dtgRlle Gtrdrnimrtxo.
and1w, roll-am/nrmrlxvs:
,'.kv!r nr11 aq!JV k; :Aire yor*?7rdr rvddm!<
Description of Coveralls
;err Rlm+al Ir>;. aril f klma4c ilmimna' pr,nidcs the ?'!nhnendxr, if 61111:
, ar t"llxr IN the pfin"91'rrettr, tas clelned Ixltxv) with ilLwlrana
uarragt, for ILamaag?e _?m?o_r. ?dXft of most Rental Antes whet the Canlnltmbel
era s dlefart (2S Itlx abed i elm-i to resrrve and pay fill an awn 01181 from
lily Colnmerdal tar RMtA Conn ~Ity f"Kcnwl f(Jitil an}"? other d1an
dlcse located in Australia, frela'xl Israd. Ilah, Jamaica. and Ma'w' Zealand'
Ihisa,,WW is2WiLs EW.FCSi:surnxr.
Who is Eligible for Coverage
Von are eligible for -W if.
1. You area it:siorAdditional Can moberatidanAlmticaniivrrrss`'
Card or (),Goat Card in mind2tkm with that earl (the "Carl" ) has
lei., Laird m lot in for name.
L. YLUarea(altXxiXUdHiltsandcl;K%thatisprllded('axRental I1ss
a,•rl Ilamafm hNutroocr as g hLixiit of Canl,mmbcrship
I-Candonrnl l: and
. fdh s.
i. Yair Col attUtrt Khflkd fill" 31 S cpxratirga11 "111 S
A 1'i:RSI)KAI. VAR RM-adds "IlLs Cold Canhrwinh r who is ellrlled at err,
acertditalkxrcvtmnoder Ilnh sitrnrgratk:at xl xdimthef:riled
Stakv:nxl ?: nui:illgstldtrt MImfSLs plm`xkd :s a Ixilefit td
(a ninx9nlxrship is trot eligfik: kx hellefie tinder Ihis I'ulicy.
`('mmarmr pal (a( Rer"W (:wrp;2nY' a "Car Rental Co(npam'' Imam any
a,mroacial car rental aw rr ai"idl me Rcillal Aulfls i ra the parifts ti
this i)Lxrirtion ofConsagr.f omnmrcial Car R rillil lxrmPen Means
"Iteirtal Cunt ;amp"
How to Activab Cmrsrege
Crnrrage kv draft of a dlannalp x11 i Rental Allen K actin>Akd airs the
Cirdntanlter'
1. rrtscnuhis, orhereftibleCard wfix, Venial Wloflanfionsunrthe
Rental Auto. Ley Milking a n•vxr73111011; nr 171426119 a ftob a d epcsit u
dlc thoe the Rental Auto is dtcclaed out
cltxihes die full GORafar Itamralie Waiver or similar cpli(in C' •11'71, or
m13 for apartial nriCsion IIIM1W IN-311W niklW In' the Rai tai l
conipanf:
3 's Or polturry renki. which is defined as the Cvdmemhet uim is named
,in doe arflten Apitirx2n with OR Rental 601111 ny as file IX-nul renting
a!III taking ainfol mid ra-Si(w of it le Rental Arco I - I,rintar•. Koller'):
and
i rise Ilm tam] in pay for the lithe auto mull from the Riagal c talpinf
at file 0Me of vehicle return.
C ,emgieaxninuesint'ICictwhileifmCanlmunl irr(mafrsincontroland
pssdma of&Read Atom.ACaolmetnher,Ahoisphysicill}•challenP.ld
anxd lmahk m operate doe Rental Auto, May be die Primary Renter If I rNle
is die Cardolemb r entering kilo die 01121 tau W1011-
When Coverage Termfnetes
co, rags for Ihdt of or damage to the Rental Auto lenninaieswixil:
• die Rental company asulra control of the Rental kilo, or 30
o nselattive da}S aflt'r die Rental .Awl was di(ded out. ailidxaer is
earlier;
• the lilicyLSan211ed.
Length of Coverage
Car Rental Lets and?amaW Insurance mate eligible Racal Autos when
nlitil Iltldk'r 2 written realal agrWilent flan ;1 Rental Company for Ix,
More Ihan 3011 miso tilAT OZ.
Now In rn: elie nl dgtl olvrrrr• Ix• pmrvrkd irkr. !hr 61rrboon7b, '
mi/V if Rrnrnl.tuA, Ix7Y,10.30 anrvx'ohrv (kill, front Mr sine Rental
onnivnr: n krm&,s,yt rrhdtva• lbr ariytnal rrtnolkad ra Injent/ill or
a env rrirlirar cternirrt'rr! is enlerrd rnM, nr a tar rifikte is ra+krl
Arldidui:dh'. lm anirafX rill Ix plmided wlmll Ilm i'rim2r Rrilla rtnls a
Ralial Aum ho Mate tha1130 enixse tthr dins out of a. 45-dav period aitllin
doe simm gnlgrgltie marksMcmion (7 mile Multi
What is Covered
Car Rental luv and Damap: Inlsilr nce rcmlwrscs a Cudiiterrtbei for
payment ix dam29e m or theft of a RentalA111n that the Cardnx'Tdw is
required m make, tip m the k•+xi• 6:1) tine actual oat to repair the Rental
Attn. 21 file wiowle Rails ";due minces srhage and dpmciatia" coo or
3) ON, purchase invoice: trim of the Rental Auto minus s2h-4 and
depreciation acts. Tim cores' also rcimbil- the Cardinern ter for
re.LUnwhi clam (dtim charges incurred at the cleats facility that ate
11x• littler t Amintla Man iti wlde•mritKil lr',?vil:S Aatrnaa• C,.x»P•any
1 'Inw,Irr'). AdrlikliRratin: (lfac•, fnir Ittr;1?'isal!1sin. T!la lisle:-mrrnt
arms ,Xly as a cksagtkm el nntragr and a (1111 a 14lin° or axtlrrt of
i1LV n I a.lhe xiud isms t xldilknVx and eeLiusi xx <1 r,lic: Ar03
r Pcanr'i gmem t11e IXCnrs AvalnlXI' Mall 'Ole 1 oleo h:slxe T tm,ol to
lnrr,, oil l xprLe llavrl RLd:ucd Sr'a s (am,p ern hc (:dnxta.m
tisprts '1, IIK Paic0iol er This tlirulln:t re,,lAas dl rxs:,nc 16X
rksaiili ns rd t',nzr, g kx the liuferi Assu,alxx ip,m.
41
kniml)J.fylk,President Tdnini1reAedtan.fa~Mry
At1EXA?uralxrGxnparr' AlFCAwwaraConrialr'
6711-11-01
1 ,n non, d(berntliretndri trarwrnrltial%In b?inul-alnsrbe
purdw,,Wll bring(, rlnkonpliorr ,Ja ifrnntaa:dgr eeumrl' pmemnr
rrckrnptrar dvdlfrane..
v13 670650 7/19/03 5:02 PM Page 6
Seal :rxl ,:rtsNrnan' I,-, nix ve:inity in ul!ah the iln fir il5:hkrust! look
pia x') imtNxd hl' the Rolla! CnI11PYini1: SrLli as ((ytfllg M Sxxcp
C:u Rettt:d {? and Ikmi:+ge htstu•arxti CotTts nn niher nett rd lam. Frn•
rcnnpie. in 01e e,rnt (d a collisk,n fmvdying fill! C;IRIm[ kr's Rental
Auto, [lanlaP: !o am Other iris": "s earn' Ile lujur rd amen c fir anything
is not ONICT(d.
!WNe )Sus JN/lal'(Ix'f7, /lnrir'PIF'11(/b tili'a YnP,k J!r f'177n 7lnhl
iLaOas?s: JX'71('i15ltti(k'1'(i+7P it+N'k(iS G+1?!Jx'tasnl011ir17/'. 1115ir1N+!%r
!H^!!77h Par'!il'!WNT D),(11(1(dal (rNt'F7r1!IPnI 11flOv.
What EXCESS Coverage Means
lairIzoanllamandiYmttia' nqu:nceKaliiNIFSSn nrolcepiml. this
me:urn. illai This ICXtli1C oncr!}y:wilt rdn"blust• ihP rarbllc.nlmr,Rlh for
I(!s?"'vecPxnlsS Olt ITntircYl hl' t+l:u!s. stab ;s :! fxnlth:l cnll6irr+. d:mr.!?
w;!iwr.:u1c frutrial aOAn imura!lx. clglknt'fs:rno insufal!m OF
mbt(rritxtftd;u:Orothe ruff:cli:ntrruur.tXlxnlixtiother plans
:!p,i',h, a l arb,x'inlxr mast film I.,A pawwrill or rntnix!rYmxmt and R[rt1P
a Jcp mlination hilad on tlo stand term (d x 1(91 dh r I'far at air. Slki
!;cans d, not pinvixk iljTrw Ixfnn tilts t;\C}:? ; cmrnWinn «rnb !rs,
tile (A"llnundvr.
vel)fcfes Not Covered
(;ar I?(ralal IAbY aINl11:In111,T lnalcuxr (kC51Nn eTn[r Flf54-
Sit, • upalsitr•cars,''xhich,n;,nlsclrs,vidtanonginalmanaL•xt»rrs
ti:.ted ,rL+il prim rd 85Qntt or mrae nh:a1 1)(Y.
• esdic cars m,arll:R Of ta:n•(r t.duc., heft»nnl:.!ntf Ind 1ii11kai In.
CixwtnkdCrau7h'.'Ime1a igxa,;xianlaRX-7.IAxlgeti;xrnxlSaalLt,
Moll-lnthi'nnlu•talllishi.OrlG1:tih.13[Xl%C.rrrlarXkt.hwln
n \. d)erc,xkS tiL SIX., (PrIIV anti }; (t t utgx anci f,,altrttink l k! '
\1{. 7.i :nxl K `erica, (':u1tIYx:311anre. aixl Al Porv!x', I'In.
L•un!?o!g)iini, t!:ivrai..4Nrxl Marin,loxt> ku';;Jti. tuLx.Slxlhy f:ihre;.
Ix:utk't. Rolls INA(v.
• u•n:k:. p L-0)G, t!r U l:ntt. ¢nllnn Noll.
• tali!-szalrana,irxlislin ,hottx,llimiaTlto.I'Otili'ax»di:x R(9nd
\fa •Kt, ( l nt 401t;x spfnan, GkR;1 idura and Rally. E)nkd Ram
Fan, and Ral li V agora:
. vehicles ahh^il I;:!se ix<•n ctsdenfnvi. fir mabliel fmnl the
nrlntdadumr's G: ore yt ciflrnkirrcittlx fir ;iriler'S wvi fall('
np.t lnxa+t 4x the physically eh:ilkitgd'.
• tTl! ckx nttyl hx hie M none. r'rd fx.nx sus:
• mini-v:ur@ tisul krr ainlnxrcial bile:
Note: +Ci•°rl^I.1{1111-t(t/1,c(rl'rNOrr:,mi!ini-tUuijl,•flbjclr?rxp
,7xK'i!)iKl ,airlil!S C'<7(ut(?l7' (rJ (71 (rL;nY1?Fr7T pJ' JN•.=i. i71t'finf lli fill/ i?
t%nlil('<i Ni. lrNl amairln. l'll•rilGi;Ib 1'%iit(r lei; 116lTI Ii71A?illT all,,
;Yi•.vnr ;NrrN. me airt+rd u'.ix•7! rxiuallnr /e'lam!(r! rn• l?:rutrrs rile'
171,
d:rsq'+r c-tn uhn•h a!e in c u th n : rc .. -ors-rkl :r hate not hti+t
'n'rud•xl' net for an r, nx.r,. ran.
• li!tNliGin(5;
• fidf-tiillil GN 111f1I1R i'a4 k5. I;td!tling. hilt. not lnnlFal ln.
ClN MI,vf 1Ic Snhudian.'I'a1Nk aoJ }'Man). pord Gtirdn cat. i ir+udu
lint ola Lox! friowl. Ire: is P 65(k Rall-WR(nfr or full-wed
»J 8n11cI
rt'tail tnrc% ah11 drnt11'4f1rxL aui
k
(dote: '.n, )rte I Vnr1%t 4I(! rxbalea'. itrlrr f 17x. llul nrJl fonrfcrJ!'.
l'n!r! ii17x(0rer: J!rJrCrrr;x,'(.,'u'minr. ?'M'err I,r?i,/indrT 71)fKwu from
Ruurla; GTu'mlyd &Gc(•r rnul /seer' 7iTXJ1YN'diltl ttOrAM on'rn
rn501 drilr'n 017; tout!'Ulf&
• OR-oral!real ksnxdums!rs.nxgxds,1wii-ation:dw6ies,tallOf
mnfMiml cans. cnmxrs. +rtilcrs anti wry nher le!raiT tdiicli a nN a
RI-nH dnxi.
Losses Not Covered
Cair Renal its anti )lama n• tnurn!xc [in.'s not co" it S catrsad lw I.
[xlnid!arislmin? ,
• i%,irahhtl (A IIP' t11,•rif:d Alto in li0blNin Of II111 IPnm an" onxklkrts
he !tent;, Gxnp;un a,rnsnenl (ild dingh!u net itmikrd In km s
auirxintt whin ?, ixt:un ltd !x:mti±xil o (gxm!r Ilia ttdticle !new:
Icmts cd dre roll .11:wwtlfknr was in Pusvsdon orr:ndnd (dilit al!
ncdusin,wet";licl rk!dthcind+nli.drcaallerrif+r I.
• k:cStei,n rim l,:tv I t.:hi -ks:
• oKs;innllkdidlr,tile 4e11WM (CaiRrnl:dCnmp;un'Sr:nmal
d chi,!, bast: Lx,:
• i!ucmlirelald;un;igc.
• inclgd aui:it, sorb :e k!svs w!;rn: like k'+ll:d Auvi oafs n,SC+I fn: u
!!axihed in ilk y ,',j a(iitity car k:4ul%:
Orr -existing a» x3iti,ms, damage w dtfixl
• airdN inn fudi xt nI OlP pan of the drhir. as lkfiixd in tltc st s"
1hr AailL:,ti !tx01rv1:
. viinn!arih- taking an;'dingor xtingunder tlxinRxilmcxtilaf
drug (fnik5c dikes :i,S prxnifcl M adalktimrcd Iw A I)od(r);
• tearormiliian;6,ity;
• rdi(nxtivih':
• mnA•,ralkxllr;audiurih'.
car,u :u!d uslc i!xho-ling grxlu:d clean' rx rtiMl:
• tI:!m,tft(' u'tich is clue anti om.k!Nd Ma fret /lllg, nxvananlud M C
hr.:uk ilaw, or f:iilnre uptcss sucll r amV.. rtsuls Irom a tint, arm
ill' Felice,;
• htilu>ti to learn sec?; lO I'M HMO CrInnpsnt when the RIII& iS
di:'h or liana, . to unvrnnsl ir!iicks:
• tfxhrda lamaaltotimc(Ratsurisfcwoa?).carlacdartirgalrifue ?
m:tlieinln nlisdrttd, walalsn" or stole'. ranksS the foss E mtix:tdont W1rn
with atnd from flee saner raise s Other li coxrol h the Poll- And net r-
• oft-nrdiAvatirmrdfllevehick. collia
(„x Rental Itta and 1)amagr• inairenxdlUS n(d nnu old nnx4ils axll txM A n
tr• I-aid In, oxnPl
• sales rut ml:txd It nltair It damagg woks ndnx'tnrsmx rl Of axh ales Add'
in is reytlirtil M lint;
• rk !rra)? to any :chick odxr t`e'n d1T Rental Amer, iltb .
• (kmragc!.n:niyPRgrnyntlxrth:mdxRaltal:ldu-(m-xr +rgxY:M thine
ifrlb nn txm,:m(ndt' axadxd to Ole Rcn1l0 Men Plat
• Ilk, lrjun of mnno er an filing: aflih
• ial et1 x iali11xYL'a:tittxd Of paid furl the Rental r'u rq en fir i6 1Le:
fnslnr i;+.fe I
• C".tpl'ILNSMotwxIRlfx' ::ofllxtilfx'rFji('ISH'.a!:irtlnl+I.A!IlY.t9llpkrtYea file ti
tint er5tavlrer.M:,I aldtittr'sloom'. ill'
• t:d,x' ad kx! tut rx similar tar., nnlus r9l Ilan i nxili of Slid, tacon(
eptinxl In tat: hf'
• kosti c1 uv fns mote' d be tlx' Renal t' nlrpany: nun
• diminislnm'nt41,:dl,c.
• :mn'Rolla1.Vno,fewfor l:ire+irWila+rialfnery+xes:cad
• (kprrxiat". kink's rtimtxns rant for [lrprriatiar j mnuutd b'r kra.
Now to File a claim ns;
AC.ankv..mf1rmus1lwti(vlrfarRel:.al:tom,n etiYmagClml L00
toll-frG a:!nffpjkl?IU1J In UK7 y. Oiitt'm CAR1:4'dFtii`t-n) hinill
o€lx'r la•adae: and,fa'iik, ;:!thin ^::t hi tern' ;s vin: cs naSnlabt: IxcddP
fdkx in,:i kcc
A rnns['ntautu uilt atrvsrr xtt y!--sixxlc it I.:udnxinMr l1q hen anti -mil
4,10 life ('014,1101,10 it claim form -mill intnirleas. (:cxllfdek• aid SO dx 1.
dotn7 kvn. lt•rillen prnd fit key, t:hich iocl±des the claim JIM end aR
other nxi!t'shJ+kallnolixx :.Oral Ixkm9,nru hrtu?ytdwr01i1k
J;as hdk wingdx dale of Ile damage or Olds M. Anlcrit i I:xix"s-C+r
RoitalI'm tt??xltna •tJainshot,rio:lnivdl'inand!I:M111s2mg ;.
fannpnly; I Ol fix iyi'.x). tk-Ma!d.IF:ri, 44 lfsl-3' ). if fix iVl" 4 c.
and otix.Y (knnrx If:nkm is net n'aaml wilhi,l Ulf d ns ni t1x LttC of k ss,
[aneop 1111'. N, klikd. .3-
Rupaind in tent 1 rJni may ax6i.St 4. lot: is not limited fir
• n:ru;xda!drnmpkadclaim fomt:
• an ikIn!1cd ryoir bill;
if • cos; of dtarw slip fir the ruual of the Renal Auto, Rental ern
d contract MonchimgateraxdnmvtnSIRwwitalwx dxrrpdand
Paid fat:illi art AjnewI A Palltu1C,a0
• afnficx'repnrtli(al;skckikf:
• phetxrdfix- darri!rpl'diwk,.if:Rtilalik: Ito
• it a>In of Owianfrnmlx'rs.:",a!mimldrit rsweny,knt+i,11.
i:ianrnm• Pr,:,rax[r, or a nAadird ktkr slating r,n ilc111ralm..
• a ag+n,f all Claim (kelnnxiitc and rnr wlxnxkifr. I oaidcif'n, ill far
I?enal I onlfrcln;
. ,, rigs of It., Rental GiRltram3 utili!aty 1 fug
a Witt r{ fix- driers liana of llw GodnxT11ExY urxbrw god)(rfad drip.
unir s fllc d,ittrs lim k.. molt r,lim.s nl tie e-ird aji-.-a nit.
erg dlix,urillatonalagrainon,Inxaalr,ll,..&.Ilial(kasmxls
' w x17 tile Rolial ill o w:c chockLil can l xrk d n a J
• umxin,niona'it-rent! +tntdh[r n'aila k!,rtrnlcc.asenige(s).
CanlnxinlxrrAnPT.ItUii?t'IIIIISS`itsr•1'flcdInlbcirbell t5is rerpi'irtiL
rrr1 li all nquircd ckxxmiertation is IuA mxitxd a'ithfn 180 days of ilw [Rte
of b s (exapi for documollation u'hicfl plus not liccn tumislxd for
rrav ns tftord the f;arJnxmlx:rs often!), ro:sue itS ntay hoc drttkd.
How Benefits are Paid
All Or Rn11a111AS and Damage hu-urance paynxml reimintrsi!de
!inky Ole Pniki i arc pa)aldc to the i'rrlmenrfwr OXCIA that +raw writ
MAY be male. at the diSCwtion 14 die losufer. jon"h n the (:ardnrenhcr
and the (}!mmcrtial Car Renal ()ing::mr wined the Car Rmlal Cutlfianr
of has nlni lxiil (dribirsw for d:r corlcmJ IFay or damage, or Ole
+.a Rhlx'InIKr ha. not r:didiy assigixd hisllie' pa?mtnls a tilt'
it to Rew:d it,ngramy fir anv,dhcr pv?;.
x k:
Now lA'ru;if., rill mw fie Jx)fd iF. 1717 !Jx' FGJe o; kxw'. can (tit duce F!
dlrinr ji167g, cr an 1).x• 'leer (,1/r7la11md clnirn Jxn•nrarL d7(rnn%rrn
axnrst dlr.•0u.r..fir(;roll(tmrmiislvaslli'r'eeri+!7,,'Gnrlrscanad6'd'
Rights of Recovery
in the c olI :d a payment mxkr thisi'dthe h isi:rr is trifdrd to all tilt'
rixlis (d rem arty Ilan Ox: Canhru nOxr, to wix»n Pa mc»l was to de. has
aGAinst anndxr 1'nat fanlnleluh, Wrest siz o ard,klivTr to the 1nStrrer
sin' it-gal Iiaixis Riatin;g to 11!:11ttirr»r , do uhax:er ilS is rx" fir to
"JILT: 1•:ctp tin lllAlr r Cimilc thnx dghs -,laid do txdling after loss w harm elm
Inures s rights
cilmalo ial Car Rental COWIRy list been fluid
of cliff Mica :: Canlnxinber or
danulges rx'Akr Policy A\(925• std also nXme's from anuOrec d>r Amom,
feoaw Rd from the other s udl It hell by that Oftbletld" fir Commcr6 d
Car komd CMllnairy in lei c ku lift Im inn and rw»btrmll o dx eiwu d
the irminrs Imllv'mt dmL xxl Fos a
Ac 11 rMtditinn Ptraskm!. to rtnera),e, Ire Gln)tiualdxr i<''e1.
kdl' xx (YYax with dx hm1rT iIt ally 111tCS1if a11Kxla Ale R °plkRl
k,iri ai dun' in
Ted b}' nlNfrS ix try-i!I t11xU.Shclij'rt hi ItRNHltllg rxfpk of alit:nxl All L•.il tNnk15
aixl 111:nd an siaksmmls . in'lldfng axml sr+kmxits and uxltrihuting
Sxden: air nil, lufn:,s and ckxatn ellism I r,il"O waist ire Ole drs o ition rd the
k-„ d moor'.
if cation of Legal Aaron
r a and Ph,Rf• 1111111W finder K7afnls'{(ttw section) and prxide
Is1;nftwithin15daf ofwixntuxCankrxanherusavedl'ineto
rtionai Information tot you
t? R(TI103 services fa='rm. Inc and iL<PArridpatm95absidfari s.
txixfis(kx:rt'xil to Illisdocttnxnn m sitbjttty) all of the Rani,
a Ginlnxinbcr it semrdwith suit wAor somnM pap's r62dng b
Rental Isleatdi rOWCfatmdicCarrhn[mllermilett(ddrfce
d tltr. Writ u.Sitminxls, pa)x'rs M life Gnr Rental Im aid IYamag
y may resaft in denial of ! elefttx
nLrye is untdiawxincn by AWFX .kvoa ar Canfrany ("!'surer t
gh iranraim prdki, A,11925 (the _I mill, I issued to Aille-11 l x rm
!Su cad Ilmles. the i'(dicy may he ehangd or xmnlrald.
tx!tClitdinn of tinrratle is an important document. t'kxsc k)Llt it in a
I:ax' Altixlili il,ks1xS iixirimerd(unit of insur;nlccos It-exists at
!fie rd printing. this drlcumun c ran fix: i'<ilih' n anima rd irstumrxx.
fitinis aryl exclusions; of dr PONY iiSwedd f`1 M > Miff die 'Ill's
main replaces lane prim banip which
half been hlmishai In the Ctrdnlunber
c.z
Prr: ba
1hil X A"1131101: OM",,xnty
4?94
I rr4ar
AIR:X ASSunixr C IMIIy,
(01/112)
Pori&y'(?j4i 1'rrllJnmd!vlm;tkrrrfxrsbi/,XwvinkZia
akSrtlxssLN1• XPiF'nnks m4rrydion i rrlffiarlT a risef (rear gr is
pnu rkrl nnfj' k! Xarkd;urkt re»hri in X17' Gr7YR151111er ry(
lluel? n.
t)ftn u:rrl in rllrylueiirnl lr•frb n :tkvllh(rdxp Kt7mrrtS rerhauJdiOn
rrlyloXe. lbtJxinik7j 1171' (irr Rental (i)n7/x1niN an, GmiW ki
1/[ h, :Vri(uurllnultitnki
/J rlipi111i+axli'e11ro8erl in d)emi're'I:cbr77 Xn7.rrrti, co; towl9' A•• (r(. a,
fimbncvulxr (11 Jnrsrrnse dlmnbtrsby.'
aila rl(rl u'Gcll the.
Xaram6 mkaly7fii)" arXfraile anti (3) uW a .tknlbrrsil i/
l(anarb' m4wilNfon CnYOwlea rr JnrykVirift O)MIMrriff Cm
X?rrkdC,nlfxorP.bnflairmlrratefnrthaneelfroNnt lllie
:ilembt diJ XowirkA ilimrlxrs6rf! Xvr(ttrrk7tr1a1rJdxur a•!•i4l tr
can nulr be nrk"ited In, eOwliie ambneiribax. lTtlr?lshill 1701
Jx' Jrnil /rizr Fr AfrrlrGelsli!/+ Ilanm* ra*nlitwit ear ffiirde Ixis
btsm Inn'W earl k, nmr<df9U, (irnb17'm8rrs mrd/a' ntrr-
Grrtirmmllx'n'.
I kKS Itof a/01, 10 A "Ym*k I lfe rtskk'!!la
r r» s I
Program Description
R(^.un; Pmkhfixt ORtn yr,u 109mntcc11 pn dui i sand:x tkr on J tiiytata)
il(irt pnrckmxt enli x4i will, An diPme Arn:ric•an F.atxca Card if you in.*
In return a deslg: raid itian uithiu 90'lot ys from Ox: date, to purchase and
tike nxirliant won't Like it back, knerfCtn faPIM.41 refund tlic full
Purcilaw prta, Sep to $31to Isr iron. excludingsltipphtg and handling,
and III) In a Irr!sit, um of $1,IXXi annually per C,anlnl rnloet kro Ott.
How to File a Retum Protection Request
(here yon hate verified drat die mtrdtant will tot accept die disignaled
M114' in
item,
call, we lied
of wo r rremustt. W"1111111 30 fans from the date o(wwnlr if li ial cato
m wwr the rofkxring
• onolral sxxc realm
• .Arrxiicin liyx a Carl RtnRl rf charge
• Mr(AheriamsrimnxdmWlxnahkbytsloprocess Your rogutst
(I!xc nxntr !cgixst his been afj)rO;, , rat will be instructed to sod the
purchawtl item to its within 30 days.14Mkeel, a wrilird of }'Mir shipping
stabilm lt, 25%,11A] wilt r1Cld In Wide Proof of shipPtng in the Brent that
wntr rk'si,nnavrl !urn Are W A mim l- you are r s"ls * for Ile shipping
and hanJlingcharp far dle iv:m.'rhe Ref inl- ill) to (li0in per ikm and
up to a nzaaimunt of $i stio lxr Caninxinber per near - will Lr
mimhnr¢d In yen
Limitations
Ptlrcilaas mist foe made in lire Unittxl SLlles and char l fn full on your
Card. A R•fuld will not he pail if. on the dale wT TUCLAV war Return
ProR'ctiM1 Requeff, or on tlx: date of would be paymcrtt, an}' amount ai
your Calif Accc ilin is fast due for car, or more Iddl?in.g wCy1cle(s) or your Cant
R caneeRd. Rdwl& am limited to 110 Per (1(5191 1"•^' item, And $1,000
annually per GanYrlmdocr Aamnlt 11x: item must be in "like new'
condition knotiistldy usd or want) and to working order to be edigRile. Ant
item is eligible if it trek not be returned by the Canl7nclriber n the
nxrduuil fnxn which it RdS originally PmclutSed. AIIY item Im(chfil
from a m chant that has in e0ahlisllcd refumISIA11512ctimi gnarmliee
program nlach is greater 11111111 or (xlual n Ilse !tens of Reamr "orl xlion,
and pea k ansra{,v for claim. will not he dtgibk' for a Return 1WO diMl
I:(fu:xl. Product nilaxs, discou!LC (x in(xfry nCehvd from Roast prxe
mnimri i nt Ixunrams will he dcdIx from the oriollad cast of the Rena
11u' 117 raimum you wilt IV aunpe!lsat(d win nxx MONd Ill'
m;umfaAntnY vlgg[Sxd entail mire.
a?
Iv13 670650 7/19/03 5:02 PM Page 7
-.'?l(A\EifAC.?ltaft'ly?'Itvla.xwta(.>r -
d F
>???{F+A?`lid` e!.rF
t}vF3
Af3ted3i????
.?a:t;i!xck,'lt'Yw::i!0'icr?Yrav?ti ,
itltus not eli;!ihfc for a ndunJ rre::mitnels;md Iicingpl:I»Ls: on??nf a
kind ixtns (incuding ;uttigtns artar rl., and furs). lintiml edition itlts:
going.;nt-+f-blisimSi;still! ilons:lrntsnnrii rxrcrishahkil(NIKt:ith
liuuitti ht y+:ul (Such as iwdunx•. NWA hell I o rcchnrg: ?hlc
h u n r , i:h tin dudil g. huh not limi+rl in In,a. l .m. pru.x Is
a l's nNl li: id lx sl .ndr cnkrsaulall nnalrna,tau
in tall rhI n th;u t .: n r, , ? ,h!?In tg, nr nu»Ix rs q+* r r . ,d
nrrt ctcads: real -fol. rtInlllIndreh! »ltdit m.r .Innt rill
:dii
i(n s n 11`41 (r rl o t -; p iglrS; nor xtdiu:; J7}nil we+::k?a t;
:u,;hs)Lnxs: ridCr!taixs; u, n;)l1: r Valhi are: finnaan 15ttch as c,xr}4_
Aallics, Ki»tuldl ric );1112!!; books of :lily lied; heidth came ixms (such
s hlrxxl Pmhun: ntachillm atJ ill;.!,- ^ c, nipnx:n0 footed wtar. tirle is
of a!11' kind; nx)trrirxd vthicbs (soh :s cars. trucks, mnxxcxks, bras. of
virrlt»cs ) :rod Ihcir parts: !arid all bnildinih; firatmts, ammunition;
ne?faiablc mslmnx n1s isuch as PAlAA1 O }' notts, s ants and tncelms
ci.•ceiisi, hash :rod ils.Ipiivalmt; xi d itens permarRnth aRixtaf to hunt,
Oldku.:tili:'ks, tic (suet s . 1rr. c Ilnur Inners ?r alarm)<.l.
if ,on: haci ;calm yur riots leg-riling it Itc;ur 1'n)xrtion Rc(I.L? or the
Mom !'rot:Cinn P»0ut1, pled • call our Qulnnx:r S r.x:c fterar 13x3"
sal !-:)!H},n;,'-:Y)!9
Description m Coverage
Covered ikasms. A Ixaxr,l shall lie a (2ntttd Pusn1 u.akt ,.x i inn t)wt A
>i:n!cr GrnnP Policy AX[FAR (Ow -1,oha') Only if: i
1. lac or sho is
a !or$irXr,rtiiDivramr,q,OOcicor.Atllitkm:dC:!rdntcntxrwlwhe m
am of 111, Gdirnticg lank or tftcmuni ed Ixnuxsll AOcrxmt nBertil in
rnnjnl:Ciml ltitll 3131 rtf the fnllavin<N iss!K1 j!? .-1lerit Fsptts
fu-TA Rchilvil:ictsC,>fltPany;kx.orispariri{;atiitgsths'xRL"Ir .
An rdc,nt Papr:c%'t in his or her narr.. Anwricm F%Ilmst; Rcu)xh
Gmi! (:ani. All wrifir Eprtss' r efemd Krvanh (Irm C:uti.
:Anxrt?tn iizpr s' Ilt:iank (e,kl Cart, Anwriaot Hxprlss' i'relrertd
WN'IrihGold ] Inl.A oicilu-.xprro' Ni'm(y.C rl arnriran
Mms e:.ISI 111"A: C.A. Attnric'm afq S:' (1on, n ry li ncirxws.
.f ,T:mJ Ii- prv? t'rtk!!anl. Anxrr I i pmts' InIRC,tllx.lt
monay utn:a tt;onnt ('roll (mrl Ana r e n i car ! sum t'aJ!
k6oteCrtlilCmd,Ilick" oCillI1N1)I1ti (cnAt('"d01);):
ente11U.)''lWN t intro Bnun iN, e'anl. ifank of I I:r viii rmdfi C:rrJ
front Anxlicon ;firs. IlInl of kAiiiii Call Cnsi!l Can? from
atlxriun F..tpn:,S. ikst Itaxt:ruJ. Ithre Inn Rnvnta? fr:xn A;tx1 ii:ot
itMms, tiluc 1113' Stu k ra" Bhe; iron N1xnc:ut hxrnSS, TWAIN,
capital line Ginn 01'?iK:'fl x Sntall BOCIxs i,:Lta!Nk Buailnss Gold
tiind faun 01'1•:K:11Ie Slttall insintss Kclwt,rV%"inx VIA FtpalSS"
8151i1CS? \IaI1:IgC.lwill AftYNll"Iron (IfGK: Tlw Small Btsirxcs
K,,i,tnrii", ?uLSilx•SS ?knl(xr:diy, t(t/rvr)tr' Card, Anmemit?!I d?:altn'SS"IASitxs5l^,:rhna ACTOUIitf"llOl'F:K.'11neSnLill I'll rsitlrs's tMrti .
ituytr's liomn Cant. ('0111h) (111411 Cli ';ts Cnilil (roll loo .ulxyicll
pnSS. (lxporan, Cani fmni NTK''!nte Uit&I( BIL;IIIi55 KdwyNA
incnaling;xTinning coith xCenti tt nurnhor i'• I int. Arn rim n I1prtSS"
Ynsirxss (asst 14:1,41, C.:ml fro, 016,-fir small Ii simcs K •I,,
Colpurale Gtsico Carl from (WI 'N! I lIr small ISltsirwCs; Kt'Att)rV.
? t,lin SWifles llmot*s r:rtfii ('arc firm (li'FK.1ix• `413th Rita. It%
Kttai r (e>Id 1 k i I Sir t,lnks' h'mims cnclit ! lnUmm r m}.\ Tic
Il.tuntSS K,h1urt.. Im ILI Sk;lliks' (role Card. IkdII
S!;tbk ty+x13..C:ud..Arm:rir1111 rM,rNS,.vC1C1IlntIhsinl%(:ink
fivm OPEN, 111,M1111 Ilttci:x.•s NK ,irk (irkd Altxrio 11Ixa:
onfolln (,Itthl Carl. Guhl ralJ. ( ,kl .> It.t SI , l!ika' (:rdn Card.
;old i I car Cartt (uIJ uuknt (rel. al r/r7xavly I trrr rk t'mlit
Card frinAnxricat fsnrss,d/rrr(x.'dy rrvr rt Ulluxts"Crtlit
Cant frnn Anlericall LxpttSC nabor,;d 1lnilipk Scitl±w5!;mJ!I tiard.
optima' Catil N.awnls. tA,tilna" C:sli Rcsods ,-md-1.ryotima' (6tkl
C:uid. (I)linter' 1'lat!runt Cani (!Ixinta' Platinum Cash Rt?ak d cad,
thxima` I'lafinum i'nferrrl Card. Pets lal Card, ftr.;olhal Chnia
C:ud, Personal `4al?or Call. Personal %Rklll Cant I'iatinnlm Cash
Ifdta?c Card.I9atinumi>i'ltaG;tliiks Crtedit('ailPlatinum
rred
t3nm!al i'rk Gtw.st
Sixtl,kilc (",Ail Carl from Anlxritan txprs, S G
Credit laud b nn A rxrkan I•': PnSS.'1? c Arnrican F);xmS" Gulf C ill,
I'h Firkl tv Anwricau liXjlCW C3rl.. Elie Fndeiih kn,t,mmn Egxce
Gold Uri. l?x, i Won 11111 to s' Plalimm?t lydit ( nr,1(mOl Artxrh an
IiM)n_r:. lii»;,ha!ntm S:nin!,'s Ikml Ckdtl rhdil Card fm»»r:.,111 an
!ixpaSS.Bill mIntr.I5mbi IlotkBadrxSSt:refilfailfr+vn
AtikrPt:,tl!'.cpmrS,'flx' tn'ntr*Allkks('aniifrom:LnrrxanF.,prg.
VIP! Kea 1nli; R;ntgem 1:110 fnxO Anxrican licpmS.11K Anali
liux!nc%Carl foot liaxvicaa E'lln-i'r
?t r x?iu,piprrc,'rrgr-.aBtsnc rhkliti,r:.rel(:anlnxnllxrw•Iq
Alor.1t Kca,tnis "ICE Gold Card or
I as ! K wank 'lu (dal ('arJ C.1
tit Ca I odxJ nriirxla A tU u,1 I&r(Nl ht 11rijoACtioll with and is5tttrl
h: Al»cr can l:eltrts;'I ntul Rdatd ?,;en'ic Ni, nnir..rn: I!w. or its
'rnran exert ' I in his (it Iwr nano or
p:I:iic i,atiOl; suh idijjAL; ( :inx
c Ibr,fSrKt,prrirorrlrry>r,ati:skor;uklitirela!C11nx+nlrrw{tO
11:5:1 Platinum Card Firkin, A,A CiUR Iyxrrts Platinum uIrd ,
Anxti im??.,prtSe>.Imm+."matlidailiwoo!t.4:TramlI'lnlinnmCard,
ttxricanF.sprtslklsir s. l9aU)nrmlatd` front ONEKAW `413- 1
Itasi!KSS tk{nmxk", !>:^an I'Falin!:Ill ford` , :vlrrirui fXpt?"
tMalimun ?'tnari?at `4niOCS (itnl.1M:11N' I'Iatinum or ill cr:?r7xi'v
II,r, A cni Acavomt Itfle¢d in mnjuirlito tiith and fmkd hx A,nxricat
!:xlrnr Trail Rt'laxd tir`xt:5ritm;rbne', IIw or itspanieirating
v!) UvJr rx i : ! it, hh ,rtat nan> I'll a Alntlirul K)pnt
Gn'd Arw)r t: or
1•or t I y(X).(t(X) lrirv' it r, s 1%isk or AtkbGo.ll Glid:nls»lter alit
lrr5' I! ir:rtknCanl.Ainertrll l'aln•ss lillsitM ! .ln!n:I Land'
illy i? rc du1 p rnxnl
frxn oil-K' 11x: Salall Bmhnm \, mirk " or
.Am+u»1 rsnut l in aoipan:tiun ttith and KSir d bo Anxtlc n l.xpnss
Traits Relatd SOria•s coglanv, the car its Paniiii,a ing slrlcid'raries
i :AnxriCnh IiM rot ' j It hs or Ida name o a CUAIUrxxn Cand
Acmltlil; or 3 of airy
ilw yotre. f)rxrc9ic patio, or dgemdcnt child udder 23
cipble ill described in wll. (h1: (ct, (d) :dxxc and
it or Iter Permanent Residence is in the 50l)n!md Sl.•rks of A txr'ra.
)iari:t of Columbia, Plarm Rim: or 1; S. t?ir^, j» lslatxk.
linitions
aI)<'af vhaxsertad'milts!'cal!ryntcarsanuntapccltdatattwhith
?s I»jttrc Mix! shall ahn hx^Itxl;•eMxottm,t?lfdng from a mslxyt,nt a
nno1i ianir('nmt9a!rc Pitt{tkhtherIm AIG. ttrsV:Wing
Idilimial (:YJAKIldw AR -ail" i:xi 111.31 witn has nteiusl all
i:rk an i, pr m<Canl ,,. [tr nv! cast A a &?uc i :atbnemlxv f Witte in
ntr.akn it r llx tt,mi t',lhtwtulxa, lore ru;rn l tt n?<C•In! k:?munl
)Nri1711 !_.Id SS ( :trod ? sb:dl IIx7;t. iT:;n'.A n!? Ifrlt,l Mxxmlxtf, ant :1 die
nkcark rnmsIM Ai nl(lr(axuul rirc
Is ! Inbrxnrb"f" na a r t r xltxl Cal t I , ima led Altime:ni
{ •exS It, iss mx o om- xri: out i. nu*?S+.rnls and ty o his -a+
A,ti.ur t+
.N:rictn i.,pmSS C and
kxtulxn (inTiff lnx;:uxm ire:usa:taickill orwatertu'orkb"frer
dnmI a nttli d) k0mil in cnnv IKNEIR a5 kx hire and a iiilinle in Ile: puM
trip is it "CA-Mg Trill- if:
i l l s a trip talon by the Coffered Person bi,,%wa the faint c! (kparmre
and Ow final dcstiratia, as shrnin on dtc Coxred Person i!iclet or
verific riot 1513tH by the Cormn)rl Carrier Conveyance: and
Ole Coitml !'min's min: fare fnr such trip a, that G hint i !.nrkr
Covmaanct ILISIxcm amerlh- C-l"W d w a s?xdfx:.Arxrican fixPtcs
t )nl rkl mind prior m am inns,.
ibtrus?k Partite%' m_•ass a pcrax; n(f'n: s:xtx nr (gRNt;ite glKier Mlle
umli,the kilkrain.mtgttinimet s
h:tcdrarol inshMxLwith11wBsicnrkidithii!ardnrwtnlxrrFllOIL
l1,111 IllinosandelmsIn1:mlmnincduingsr.
! rc nra roamed 11; anv Ahrr )xrwxt and I; nol ml'nnitxd to another
I xmcidc• f,nrxr.
3 is ,II!t;w 19trar ol1
4. i, not fldatid t) ila Rase or.A•.khtion j eardtaunlier hi Wood elst•r Ili1
ilxdl ham mini'l Ixr Stale hrc JIA
5 s titrxrci.dh' fnunklaal:h n tr!ih lIII. n,Isk or kklithoal (iuJrticnhr
col;k;'; 11aticrcal:»:n, 11 f^.3!wialgH*rxtarch:6metesOf tent
lt(xtlt (A+nershil) or kstsr. Comilla: hank aecmurs, crabs carets car
gIIrints cot IX. sufodkd
"Injury' nxans linilc injury ablck
1. is C;rasd bi, an ACtkltintt ilich nca)m while the CA WW I'elsm:'s
insurance is in fare o:xler the Rohm. aid
3. rsuns ill lass LWMJ by the I V& & and
3, ensue less ahie. dinrth and rock taxltttly of all Other causes, tone
:coal knt11 bendy iniurr.
"I'cmtanoit ilesklerxt" times ilk t rntral Pcr)oi s one Iximar• diviiin _
IlLim- wile(( Ole Covered NISOA lVA1131"All': RSkkS.
Benefit Amounts
ts,r!x•/:rfil rf 61irbiro" xrAk lire L e lnrr/ritru r: ;rill rxrrr u dear
Mrvd yrfi(X).rKrr ll>rt(Xh?-Sti?,(XM F1.irN{IXMirkfxrrGnt
Ilx'hfx'UtaprixiiirftuyNral 1r l.iltUri)//lfV,ical(txrllYitx llrlltM
(ir r n (b:YrlrFcereirl'ita Ah r"ar.rtllr•,. 11m.1 )r7 ft; ?
CurwredPersnnsxrrr• +r hr lk rr7 rr rl, n ,( ri1' o u/ ,
.
err<r-momentix+r,l llrrrarlrliNl)r q?l--'(nt.xrinrr.r1.4 m
in plaiR(rm/mlIlx01,,-4vnr^Yrrr f9<lu uli.Jmr•nrnr')c+'fid.
on Ilk N"kr CUP, Gr)rl, alw) kr.,in r r.mu Grre/.drlli+lrod
Iris; Ol fife $ItHI,!?Ip $'150,(r
1)isAfbothtd $1wilm $250,fH
?.ssnfltnanhank or Lodm [f_ 514 c100,0t10 $250!
foss of one liAnd and are' ^x11
Cuss of elmire 4011 of b"h ells $ Imorlo $250,1
lmsofoviresigl"nloneLie fi(0.(l00 $.SQ(
and one. hand of ,w km s50,!R10 $115 n
I,% Alone Land It IV* loot
us of cauire sight of one cir? $50.fip 3115,
Mbleoll lam
imShcift 3(K1.iK1U 11,500,Ik
:7,<n
ot h lxole nxntl
lrnsdahhatNlsnreothfcM SS(t).(XIO
ns;,amtch:n:damt tern %f?I).if?i 1'::110.1
$5(HtAlt) s?,1(X13{
1r If M7lreag!1101 !loth L°• IS
/rS of ^I lint Mitht 01 mx• EW
anl,xtt•Iwidor+xx?ha" $ •Dld $1,51YR
loss rf o hared or pK. (url f;5tl (00 $7%1
! /xS of oliku sigh rd not, cyt $3iU.!XHt $75(!,1
s used aline will, tefercnce o 11.3!x1 or for" nx:ars conplete
and fernim". 1 st rtRarxx• Ihnu?t or allow the wtlxl or Milk: Mint,
it With retenrice in Cr nx,,ors !!x• irrtmterahlc I1ss Of the
and :,IC
entire sight n( 511(1, M
$190,0W -SM-001-5506 000 - E7 5D0 000
Maximum tndamaily per Covered Person
In rot it ill ORIlile Anevican EXIAre!s!arrkahliPaw the Cum{ m Bu
Iff fur more i-I we kiss 5t9alxd k in n• nix: Individual (;etvivtdBrat) art :Isa result of ail, ow Accfdeol.Tie crinnm's ddigation Inkier die t'alic,
will be ddurnhcel according to Lie highest antrum Irayable Under the
gxdfe bmxricmn hViv +s Card aaualh't!sed In ChMrgc the (bmmmm Canfa
Conveyance Fare for thu Cn,dTrip as stand in the t!c!tdll Anxwls
In 110 Ci will aim from an tniury while covcnge is in futeel"K F
Ole Policy A\Oa g oblipile the Company o 1)2v benefits umkr Pilsen
Ax0949. the Cotpaty s nosme?s Travel Accident Insurance Policy, in
adtin,om to any Lrnefifs pepabk:ly the CoMansunder the Polieti
Ax0948.1 he American F_ Cards listed uoill this Policy do not
nreivu cum rags under Min AX0"').
Accidental Death and Dismemberment Benefit
lnv Comil l iy will 1+?' k- appliable bitiefil Amount as dui emitxal from
IIIC1'abk of ifr`8 $ a C,ntnd fame sufles a I10 frml) a I I IA1try while
Lex,i r'y' i; in Gomm under the Ikfic: lea mil) R ax9r loss occurs witldn 1011
Jars An 0(e d:ue If ilx: AotitkM u+,»ct rarwl the !rq.w. IWxfrts ails be
titan
paid krr the 91r." !rss. In n) aril Mill tits loin] imy P3) let none
rune In,atstabxdlwillyGnerd^slvxterelirercsmlbofamA:x•Accitient
Description of Benefits
(AWCAon Carrier knefq 1?1? Btmefr is lra;:bk if tits C litd ! isam
'Alit iI lOlur,•:t5 a resrh of alt +lydtktu :ehk.11 ocivm xfnile mintgsolely as
a p tau, pa `413.1 t bxrring, A, ali^Juirtg bon n tieing stntr'k 17, a rrmntott
Gtrtna (Ativ'yat1Q turd can a (Axtad Trill.
Exposure and Disappearance
If the (toted Paso is tmatadabh cxixssd to the elements, boratme of an
AnSckxr Oil a Gxrnd'rril)wlddn rstdt in Ole disaftleanuxt, siding or
wined ing OF the C (XnRM Carrier Grrvwatxx. and if ere a rtsain of Small
exix:skim_ the Crxaal Ibw 34m, a Ills for %%h kit lievelis alt othervi Ye
Payahle Order Lire Poky. sdt lass will Ile CMVKd under die Pdicy.
if the w."ed P., dis•Sti+rars i ,,cn-,f art Accident .,a (Oterd Trit)
which newly in die dk q pcuaroe, sinking At wndltgrf the Common
CaArCnvoaras and9OleC AidIlemt'sboth, hasIvabeen firmod
within 53 xwrki abet the (W--of Sidi Accirknl, it will be presti med. subject
a)Ilxvt•heitrgnoeti itattofircontrary,that theCcnatd NMIadkxd
lu,S of lile ;s a nsrdt of (njruy cm -ritl fn• tlx: Pd'a].
Coverage Regeiremeats
AiAMn'llinen:winoefully, 0mnedfmleterm tnde llmrP(Airwhile
Liking q trip rot a Cmtar"A Carrier 0,11%v a1 Cy, roll what th fare has bell'
dlarR 4 it) tile specific Amefi an xrr is rani }:IfgA"Irh fnf out crags: will
remain i:) c(ktt its long as dw defiritim) Of a 61tered l'c!x)t is 13x9.
Premiums
'Ilie rmmimn hx this cov rage is )ra}abk Irv Anlaicin Exiles
Exclusions
ills I)diry' dos no enter cry W caused or contributed to by (1)
in0.1"ionallyself-?COtirgilf%QAdd! aat),attcmftthick, While san,
(•1) w:mto an adoflvar v&olxw deelard or undeclared: haacr. am act
cvnmmitttd Ili an agent of ant, pmnlei,%party, or faction engaged in tear,
hostilities, err (Nher omik a filieraliolls iney" such agplt is aping soul
i aid not It connection with any!;x*atiot of armed firms Wieldier military.
Itn:d Air air forces) in the rntu)tm afore thu Iijnrv occurs shall not be
g dented an act rf *-a r. (31 Maui towiIIdI a mnIrilmtnry cause teas ilmc
CrNnmsvkxt of or akery" to ermnnk an ilkpil ad by or on behalf of the
Crntstd rcmo or WArr be a icier -%; (4) lnjum n;mKvd while serving as
rid( anapcrarrOrcmncmbrr(A atrMw:mr 6)injury moivedwhile
ox timing nlhitg as a pasangr in, I inirdinc m' alfg111ing fnml a rental idride;
.11 rut siclahrs, phis call Itr mental mlinnih', fnpiain, err are' nxdical or
vogtcal trtdnvid Nx soh conditions. unless Irc aints11 of Ox, condition IS
d.71 ntNind :s the tired r stdt of a tittered lninn.
Beneficiary
rot A Bask Canhmamfxr not c i gnats a beneficiary or d)anpe a per iutsly
designated berrefxian- (mf hinerAllxrscf mid his/lxr sfillmAtu neck
PaNxr ad delremdent children who are not also ISA: or MdiRoal
xt CAnxtiolim An Mritimral f lnfinenmba nay tle;tplWC a berefxiarg 6x
IIfi sel(Alaself axlhsAtaspaseftm stic d'•amer all d efimid alt
Xt ctil?tst who are not also Basic or kklttlonal Cardn embers it
snowt5A WK-ac rarlrea ordependurl c tildmnt o(ti,sic Car imenibm No
f1 mos Other titan those sfakd alone. may de igrale Or Change a presided-
rlsiplated berii: itiare For sixft dcsignatio rx dtan{f to become dwime,
1 a milt, m*wA on a foe cdisfa ftol to Ole Compahg must be bled with
XI A mxrk sun t:xpnss Such desilptai in 4 change shall take effect as of the
date, it irs sips a th, thedlsig io ew pmrided that b has been etc elved by
Anxriu?n F.xlots,l)ut am patummt? par ? ?s,all (?ulh a lures ilme
rtiro to rtTeryx Of such deign, . alt
'tm (:nmr:tmxrtheexYrltdstd!pa\'ma,t.
Claims
ll 0 Kalice III Min most be g veii lo..WEX Assam Conpan-4 Clains
t AdininisintheOffice. l'o1113x1T,,ill,GrealBitWI14307.901Rwithin20
dos after the otictirvenc : or marxenairwill Of am Inss ctntvttl by Ole
Un(t radii. or as mom lheveanvr as Is WSinabh lrmaibk. Notice given Dv or on
beh31(ofthed2inammilr Comfitanyat its Administrattiv(11ice,or to any
atxlxoved alp it of the Co ilanv: with information sufficient to ACTIN the
('.ovtstd lkwn shall be dialled Bole to ilM Company:
v13 670650 8/29/03 7:52 AM Page 8 _+_
Payment of Claims
lkneiirfnrIngof fill- ofatowledI'rsII -willbepaidtotile (ksiv'ed
tierlefician If010its for Al outer I1 ~ss sitstaixJ by a CorcrJ pasty t rill h
paid to the (bsrml I'll-v. if lh ing, luixmi t• to til desipnaW lxx• fa:ian°
If I Ir Ih.ut etx Iknef-IClal': is rkstgnak'd Will mix lx IJOarks rtgttxwtive
intr tsh alt nm sxrifxxl the rlcsignahrl I><Ixiidalies shall sham tgoails. if
Ix, Ixrl fiaan has Ixen (ksign:n(J, (c if the del'itl cd Ixvufician, das Ixa
s_Inisr the i:o cml l crsn11, til efits it t P raid ?3?rchilIs 1
dmnnigr lig
dasattile fol!Mllg Ir ?t xl . Film Ike stirkx -ird 31 the estate
in,k•umuning sse h pcn;at rn' Ix vms. [u:Oanp,un: mar my uiml av
alfirL•n it i;. a membe, of an: 4 tlk dtrAts,$ nnicnrtn• ixrxfn iari:.s
(„^scril.ll:dxnr t'arnnvtt izc?J+gr,n ;ur; yla^It alful:nit shall filch tlixit:try
the ('rfunaly Imn ;ill OblIPOIns nlxkr Ihr I'olin mmkt?, Wfore arch
na nxtnt. ie marks, l1v OmmpIll) , ilas mcrhasl at its Milli tirinou., iNPom
sdllo nntin•(d:I:,didciaimb?v,mrnthcrpasnds) .:11naninuilllnval*
It, a niir::x nrn. ix paid in 111r;nimrs k1,al ,elardi,nt
Time Limit on Actions
t o ,I[linn at vur in c.luirt shall be hroulz tt to nen?rr to (dtr the ),(At"
aha the c pie ti(a s 1 f thn scan, flu Icm fnr Ccwnnna f ard. American
Espmcs L'uaitttxs c;claurion C::nl" fmm OpiIR T!tc::umall IktsincR
Ntm.ork?.:ti er the time ,tr ttcn pnxd of as is m7 iral In be Inntistled.
Thr Ixaxfi s d(u r lxxl hen-in are Subic t to all of cite lrrlits and co,tdi-
tinns of :u I'ohn This Atntip!io- of iPwrage rupl:xals an; orior
lkst:rption of Q;Iecrl;s e:hieh 111,q i,mtc ixro furnished in conr°ctitn
teilh sTIL' poiin
t'a n3?et11 I.lA:ll•_ ?illlx>ll^'\. ?kif'.all
1'R`11dt'I•t ?tirt:t,in'
b713-1 1 -01 --.1 IN!
Notice to noritlr Rtsklenls Onl}:'lix• Ixndits of Ilu polm•
pun sling }mar m tr efy an: PM41H91 prlnttdh b,; clue lanes of a s6re ndla
thitil
1. 1` r/i.+• rtauilt;; ibic I k-'ci raion ry 0,1 el; /Pr. tune Mr.cUll MR11A,
rrh11lmn?Ntntd IaxavyeelIsie+lurun•:UrcrruarF_g11zn. all
Jdox&w IMMA715e !.'uJrmro S r 1xr GrnAe b !1-frn• nunli r r wal a:
alf1we'; Ga'r1,nl.;nrixxrnmrmvw6'11t1Sal"n711-
c 9-803 Amcricrn F.t pFM
00
F?
-
k r
?
$D (A 5
cA .c O u' cv
tp ? a ?
SHERIFF'S RETURN - REGULAR
CASE NO: 2008-07157 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
AMERICAN EXP TRAVEL RELATED
VS
RAMOND THERESA
TIMOTHY REITZ
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
RAMOND THERESA
DEFENDANT
the
at 0012:44 HOURS, on the 19th day of December , 2008
at 1 COURTHOUSE SQUARE
CARLISLE, PA 17013
THERESA RAMOND
DEFENDANT
was served upon
by handing to
a true and attested copy of COMPLAINT & NOTICE together with
and at the same time directing Her attention to the contents thereof.
Additional Comments
DEFENDANT SERVED AT THE SHERIFF'S OFFICE.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
4.50
.00
10.00
00
332.50
Sworn and Subscibed to
before me this
day
of
So Answers:
R. Thomas Kline
12/23/2008
ABRAHAMSEN & ASSOCIATES
By:
Dep/t'f Sh&rif
A.D. /
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
American Express
Travel Related Services
CIVIL DIVISION
Plaintiff
vs.
THERESA RAMOND
NO: 08-7157-CIVIL TERM
Defendant
PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT
TO THE PROTHONOTARY:
Kindly enter judgment by default for failure to respond to Plaintiff's Complaint in the
amount of $16,702.65. Notice of the intent to file a default judgment was served upon the
Defendant on January 07, 2009. A copy of the Notice of Intent to Take Default Judgment is
attached hereto and marked Exhibit "A."
Edwin A. Abrahamsen & Associates, P.C.
Michael F. Ratchford, Esq
Attorney I.D. No.: 86285
Attorney for Plaintiff /,
JUDGMENT
AND NOW, this /1y4` day of ? , 206 , Judgment is hereby entered in favor
of the Plaintiff and against the Defendant in the amount of $16,7 2.65 for failure to respond to
Plaintiff's Complaint.
PROTHO ARY
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
American Express
Travel Related Services
Plaintiff :
vs.
THERESA RAMOND
Defendant
CIVIL DIVISION
NO: 08-7157-CIVIL TERM
CERIFICATE OF SERVICE
I, Michael F. Ratchford, Esquire, hereby certify that on the date indicated below, I served
a copy of the Praecipe for Entry of Default Judgment in the above captioned matter by mailing
the same via First Class United States mail, postage prepaid addressed as follows:
THERESA RAMOND
219 EVERGREEN DR
BOILING SPRGS PA 17007
Date: April 16, 2009
Edwin A. Abrahamsen & Associates, P.C.
Michael F. Ratchford,
Attorney I.D. No.: 86' ,
1729 Pittston Avenu
Scranton, PA 1850
(570) 558-5510
American Express
Travel Related Services In the Court of Common Pleas of
CUMBERLAND County, Pennsylvania
Plaintiff Civil Division
vs. NO: 08-7157-CIVIL TERM
THERESA RAMOND
AFFIDAVIT UNDER SOLDIERS AND SAILORS
RELIEF CIVIL RELIEF ACT OF 1940 AS
Defendant AMENDED
State of Pennsylvania
County of CUMBERLAND SS:
Michael F. Ratchford, Esquire being duly sworn according to law deposes and says that the
above named defendant(s): THERESA RAMOND is(are) not in the military service of the
United States of America as defined by the Soldiers' and Sailors' Civil Relief Act of 1940 as
amended;
That the defendant(s): THERESA RAMOND is(are) older than eighteen years of age;
That the employment status of the defendant(s): THERESA RAMOND is(are) unknown.
before me this C day of
11 ,A ? /-,.fL e ,
J
Q? o Q "
Ci
QUO 4
.+R? ?S,
hF' _, ,
? ?•?:
r`'
COWIN A. A9R^~AB9N
MICHAEL F. RATCHFORD
MKATMKR K. WOODRUFF.
•ALOO MKMOKR OF FL OAR
UR
THE LAW OFFICE OF
EDWIN A. ASRAHAMSEN & ABSOCIATES, P.C.
WWW.EAA-LAW.COM
January 7, 2009
THERESA RAMOND DANIEL RAMOND
219 EVERGREEN DR
BOILING SPRGS PA 17007
Re: American Express Travel Related Services v. THERESA RAMOND
DANIEL RAMOND
CUMBERLAND Counly Civil Aciion No.:08--1 5%-CIVIL TERM
Our file No.: N08-9606
Dear THERESA RAMOND DANIEL RAMOND:
Enclosed please find the Ten Day Notice of Intent to Take Default in regard to the above-
noted matter. Please act accordingly.
If you have any questions or wish to discuss your outstanding account, please contact me
at (570) 558-5510.
Ed in A. Abrahamsen & Associates,
Michael F. Ratchford
Enclosure
This is a communication from a debt collector in an attempt to collect a debt. Any information
will be used for that purpose.
1 729 PITTOTON AVE. 0 SCRANTON. PA 1 8505 9 (P) 570.558.551 0 • (F) 570.558.551 1
IN THE COURT OF COMMON [" .EAS OF
CUMBERLAND COUNTY. PENNSYLVANIA
American Express
Travel Related Services CIVIL. ACTION
Plaintiff :
VS.
THERESA RAMOND
DANIEL RAMOND
: NO. 08-7157-CIVIL TERM
Defendant :
TEN DAY NOTICE OF INTENT TO TAKE DEFAULT JUDGMENT
To: THERESA RAMOND DANIEL RAMOND
219 EVERGREEN DR
BOILING SPRGS PA 17007
Date of Notice: January 7. 2009
IMPORTANT NOTICE PURSUANT TO PA.R C P 237 1(a)(2)
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER AN
APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILE IN WRITING WITH
THE COURT YOUR DEFENSES OR OBJECTIONS TO TI-If: CLAIMS SET FORTH
AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS
NOTICE A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING
AND YOU MAY LOSE YOUR PROPERTY OR OTHER IA-IPORTANT RIGHTS.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE (.)I,"I'ICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER. THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
MIDPENN LEGAL SERVICES
401 EAST LOUTHER STRICT
CARLISLE. PA 17013
717-243-9400
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
American Express .
Travel Related Services CIVIL ACTION
Plaintiff
vs.
NO: 08-7157-CIVIL TERM
THERESA RAMOND
DANIEL RAMOND
Defendant
CERIFICAJE OF SERVICI?
I, Michael F. Ratchford, Esquire, hereby certify that on .1anuary 7, 2009 I served a copy of
the Ten Day Notice of Intent to Take Default in the above captioned matter by mailing the same
via First Class United Sta mail, postage prepaid addressed as follows:
THERESA RAMON DANIEL RAMOND
219 EVERGREEN DR
BOILING SPRGS PA 17007
Edwin A. Abrahtunsen & Associates, P.C.
?B?Y: Il'e4
Michael F. Ratchfbrd, E
Attorney I.D. No.: 8628
1729 Pittston Avenu
Scranton, PA 1850-
(570) 558-5510
Request for Military Status
Department of Defense Manpower Data Center
Military Status Report
Pursuant to the Servicemembers Civil Relief Act
Page 1 of 1
APR-16-2009 06:34:23
-K Last Name First/Middle Begin Date Active Duty Status Service/Agency
RAMOND THERESA Based on the information you have furnished, the DMDC does not possess any
information indicating that the individual is currently on active duty.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the
information that you provided, the above is the current status of the individual as to all branches of the
Military.
J,R
y/wt 4w4- *
Mary M. Snavely-Dixon, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains
the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of
data on eligibility for military medical care and other eligibility systems.
The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50
USCS Appx. §§ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has
issued hundreds of thousands of "does not possess any information indicating that the individual is currently on
active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or
any family member, friend, or representative asserts in any manner that the individual is on active duty, or is
otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of
the person's active duty status by contacting that person's Military Service via the "defenselink.mil" URL
provided below. If you have evidence the person is on active-duty and you fail to obtain this additional
Military Service verification, provisions of the SCRA may be invoked against you.
If you obtain further information about the person (e.g., an SSN, improved accuracy of DOB, a middle name),
you can submit your request again at this Web site and we will provide a new certificate for that query.
This response reflects current active duty status only. For historical information, please contact the Military
Service SCRA points-of-contact.
See: http://www.defenselink.mil/faq/pis/PC09SLDR.htmi
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided by the
requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID: EZXZHAIAIF
https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 4/16/2009
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American Express
Travel Related Services In the Court of Common Pleas of
CUMBERLAND County, Pennsylvania
Plaintiff Civil Division
vs.
THERESA RAMOND
. NO: 08-7157-CIVIL TERM
Defendant
NOTICE OF FILING JUDGMENT
Notice is herby given that a money judgment in the above-captioned matter has been entered
against you in the amount of $Ito. f0a. (aS on
By:
If you have any questions regarding this notice, please contact the filing party:
Edwin A. Abrahamsen & Associates
1729 Pittston Avenue
Scranton, PA 18505
Telephone: (570)-558-5510
(Notice is given in accordance with PA Supreme Court Rule of Civil Procedure No. 236)