HomeMy WebLinkAbout09-7487IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
AMERICAN EXPRESS CENTURION
BANK CIVIL ACTION
World Financial Center
200 Vassey St. :
New York, NY 10285
Plaintiff
NO: - `T 87 alvitTerm
VS.
HEATHER STONE
9 WESTWOOD CT
ENOLA PA 17025
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 CENTURION
BANK CIVIL ACTION
World Financial Center
200 Vassey St.
New York, NY 10285
VS.
HEATHER STONE
9 WESTWOOD CT
ENOLA PA 17025
Plaintiff
Defendant
NO: 0 9- 7 y P 7 U4 Q 7;4,1--
COMPLAINT
Plaintiff, AMERICAN EXPRESS CENTURION BANK, by and through its attorneys,
Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows:
1. Plaintiff, AMERICAN EXPRESS CENTURION BANK, (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 HEATHER STONE (hereinafter "Defendant") is an adult
individual residing at 9 WESTWOOD CT ENOLA PA 17025.
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 371743336733007.
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. (See, Cardmember Agreement attached hereto as
Exhibit "A".)
6. Defendant used the AMERICAN EXPRESS credit card with account number,
371743336733007, 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 September 16, 2009.
10. The principal amount was $$16,844.15 at the time of charge-off.
11. Pursuant to the account agreement, any unpaid balance accrues interest at the
contract rate of 0%.
12. The principal amount was $16,844.15 at the time it was received by Plaintiff.
13. The total amount due and owing the Plaintiff including interest, is $16,844.15.
14. Pursuant to the terms of the Agreement, Defendant is liable to Plaintiff for court
costs.
WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the
amount of $16,844.15 plus costs of suit and any other relief as the Court deems just and
appropriate.
Edwin A. Abrah en & Assoc.
Michael F. Ratc ord, Esquire
Heather K. Wo ff, Esquire
Attorney I.D. os.: 86285/207805
120 North user Ave.
Scranton,,VA 18504
mratchford@eaa-law.com
hwoodruff@eaa-law.com
VERIFICATION
I, Michael F. Ratchford, attorney for Plaintiff,AMERICAN EXPRESS CENTURION
BANK, 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.
i
V13 670650 7/19/03 5:02 PM Page 1
Welcome: to American Express Cardarer,llimship
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n )rrl a,a:ttr:1`xrClcrvix:allilu";elilurxl.dtriA!lir.ulhl')."file
Inn Cited " It kn to lhc.lu va stn F:, rtis (Ir. Issu(+i: tt nu; all of iu'r
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h ur11 Is u l -xt tendoI hfnd. taJ (larg t. ckA i I Ilip,! 1! of
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Promise In Pay
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( td.nem:>;rc oil nl:rArrouuinl n, f'truneseac,.d:,r-Chafif i dluh
n I ur:m Nk11 sal Canluxmlxt ntrlk: ksl t-1; iota: t:I incur the 1h urge.
(son if yr 1 fir tier, Alklitktlai C.:urdnx•Inttx r (nice ro! sir Itc! a charge for;nor
In:.Akithrtanl.l:.i.aLJircn?tkiirn lu(1'I,neinutrt:lbi'anrne
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h s IgmA n't to e! Anyone rise itse the ('alrl
Status of and Responsibility for Additional Cardmembers
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f t eAJ!lilk .I •d to in(.. rf;fit s. ,41(li!rc`:alt 1J net : tI
o. lr :(s his or ht-: a urhlent f I l: i,s for x CIi:ugc if n: fail r. ,.
It I r L, pa; t d :+u Irn} tour disrtetl n ensue Acklitionsl
low mhr,s Dr p nnu'ut of h r is thra root or and rri ::ou
us to p » HL kroonl irGlrrvlioo o Addihr=1 d (-r t nur.hcx
I d r) .is, rv. wrote:t ifl• them.
r;
AJkfili it Card ileolkr. al life tine, he Of s':w
!, roc. 2:1 uldl n: al C;Inlnx'naxr tall ur ) 1 r+S1R!. ncnrcl. cat- ar; c
1' (1; hilon 11 u,:t Amill, I Im rr heir l flit sit l maim(, tai el, wit
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CAN 1:11
r tiiK v fl-tt. i if•n 4,,nsn? 1;.
Fil le Payment Features
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Billing Statements/Amount Due
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Tr a p:w rlx§:'i^, theAnx4ulf (m?. 1 hrle?n!aIIIJ eon;i$Ir
Amoral, at anti ti: ne.
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rot ikk,J flit dlr of -, whole dollir if r.i'er than 531 and is 1 gr,;Lr n(
eif161dtrcknMl;rlkilaoa4:111t,sf,.{ awoffhe
' ,)into .;renxrli
life ru Wiled Fi lr (Jt rps.it
w'i for, romil- liilI u4 Ito -n if ienicy;
:n,. at .I .! , s bala,l :.
Payments
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1.1,u1x..lanaiinto 1:!r!uJel:er..tictJx-eft-n, anfnrl o-r_Ibin
"aims I tnxnt is rla n ll ur n.a:t of tilt 0110 s!1u•nx rf.:b1!
ocs! I:a x in I cnr' ,o nil s! dr tt J n l Irl f or :. I
bald. x.d p n)Ic in 1 s dullm, u.-kith a msiru n,ni paa.bi; in
I :S, dcdhlls alof ckrrrahk' fiufAigh lilt, I: (;, kiiiiiiag o jenr fir 'i,:-un l: an
an h± 1& pa,nx:a n ilxkl e'r:u; hie :iaonj) rie. I kn).; sir n l:r;n
rourrt:l:nnKir alts` h n. ot6l ol)) idl ill pain) nls 11:'.r decdc o
;Imp! a l itnllnt :)I:kIP I. f'pi'l ll r'I 1 i. ,c). ? cl ,: illxk'I/.t I IN I:t (I:(N.CX' ;I
,novaernsn that r, aceolilrk lo its t_( mal,nor Vintl:mce flit,) I:
,,I.IT la. unk[s a ram: r rit'; is ICqui'All try hx
lal;r ilLmfnrofngtarfileabo;rr!ufrntcnLthato,rl neranlater
than i z oli lr still ifil on lour hdlin; i :,ran t, ill lr, rdilert to lour
Aa-nm:i :r of till- rby recd vt pa}nx•nts conforming Ica the it',
Icgeirr vents find er rar n: aPtf the hour ;xzifivlon )rru!till:l :_
st;rc'nxvAwdl it crcttikil i) yna• ?r.•a,u:1t ;;d d:a fnll.ax.i.g flat+:
fp;nnlild kaitint ,.rnfornlit,Iiw eq'iiniwcnisshtell acifitin,
Ilia?' be de i RI II UNs I t lpelIS. i0liii tial Ovnu os m P he llni'f cd. tt`r'
ma; ar.1+ hl lillnnon s partial pa)•nrrti or m P-rr„fill is art r'ml is
!rr.g :...n:c.1? in full ni as lxui!:D;s;rnl(nim cf ::1:,} p;re :killif
!(Kia;;:nr of 1Rrr righk :Init. r EIfs .{;nirm::nl r,r nrdc•I'the !::has. 01Pr
r;hap?alrcc of any smith prrtnerts rte ? r.<r::rn:.n wt. Iii+. k , hooter tai;
Agltirri it u1 art wA,. lb n alrr, Ilia: !;urxca:,ta tr f -n( , )l mrnfs
wall!:n! vcrated,u:,r: nila:idsaust.:-h ,.Ll,ntnl:,plums;`ias
\' nMn appril'al
;r°:! •ulydnr..,+F u. ..:,r:r(1nr / , r-':n?•u'? u'ul
c:,(r,rm•;agTlvtmvnd(,h,;i ,.tr,'rr,Ituad irV"1•r
,old rrraunilT drkr'mirarl !l m in r4tr trVv rl.:;nvhcrr. In most cnxZ , Ni?
swill ap):I} colt aRrx 1k) p:nnxrns If, R-:hire bilillIM lass, mist iamcm
:,,atun h:d:n ru} fine to F.;r,:arz Ixdar,ma at ko.wr Annual Percentage
Rates ("AW) Ind dk1:1 to hhlltrr APR Feawri:• halallU^ In most Caszs.
wt iill;>p mtrti=uxniJx:first to !'Kbahrla'frunnhtell !R"
culn'gxnlaling d alt r,rigii`aIIA iklwewr. for sci i;rlg administrttiee,
s vcn s nr cRxrh;!vnres reasons. : we olio and allor.ile paylil ?s all
clcdrs anxnlg Mtunt A? K1 W t hirg" toI }vur,4xrmnt in snn r olxr rntkr
or nri nor that'rc mot'rkicil ct ntir sale discretion. You agroe i )at we
have fir :rcrrxfilk,alal lion Inc ercfsr doff di c ctien in a l a:• !ha; is nil
favurabk: rr mnvertfei't to us.
Authorization for Electronic Debit to Your Checking
Account
We
2,ar,'c the right In l,rrxts5 c!x+3s ekcirtx:lullr bt .l'ans:n,;lult; ti>r
allxxrt rd?hedtd:,:i?• tarnirh ruimh•r, :arnwtt number mad alrtd: scri:d
rlunfxrh)•,r.urfiualncixl Inslrttltnr;.ls a[)n11lhrg:I ('Ixrk livpa)rlx:nf,
+a1; T;lr.4, rd to fnitfap„ an c rfna debit from *nl,r f:and or vt<,;,
atirx:r,1 tfyrti).nu(ax+?!r'rrtnxl'?tlh..otJs.a;iren!mxybe
d.wirlro--ar kink otLwi eoxintIbesxneday r•,rvitewn;rchcr'k
Als(',, ff :it- lffilress •cx!r cbru ekc'tn:mr.,lli', 4olj will o d al-div lll•li
cuxelkvl;M fit...r,.1.:!nkrrnxIaax,wrIs!;iIr:)ant.If,st'r,,rriot
ndkrlt 'flrxf (k r,r.xalh.t r1.n r ca 1 hng:.inst t,arlankor
.:41JQr.tr:IE lrr fhe.":Inn1!nt (1l Il :k.
Finance Charges on Features
ritui :.ihark':it'hm ):x.rekrcodi(1 n; nofth! ii it it,xkkil
hfile d:nlrtrilriml raltili 6tkrs(riheII,4r4lkm%via,for
1 h 1st ss Isx}rer Ib r t irctm e (1rar?es) Ihrn an: , ,klal h, a b:aa:xv
im,ti: lh , t1 i r l.ham- will arcnle fu any bdfx r fknat to
ail 6 tl±t 4 r 14 ru., td-
_4,W (to tax Closi:lg:koe fur the pra'ials
bilclegperiod is hro or a crallil lbi lac
b.haFFenn bsuixedtntl- hnrclhdtPtrfndicItatefunlm
x W*-tort tl t w l -,A sill helm the DPR for r fl)
Fcaixc ishard son :r: APR which ma: ran flit- APR is he 'rt le Rate
(dsrsiied hil Pko 9.;trIN T is li 3h,! r of it APR Your : 11s
arrlAPRc ytx;,rrcldx aruryrar}n=.gsup,.lemu)tisl.'lhen:ol,APR
,i:a•+g(ti ;i:-a{10 r k):nn cisurrg halanm tt:bpxt in that rat-
C. lhe'triiiRaIc is&k m'w.Aoncewithrryxltoeachblllin;)xnud
All]. qrIiks in tl entire nlta:gprria!t.'Ilie Pn ne R:ee fix *oillirg peril
moil; in ai vi. calm Air nxanel it, Ilk high(st prime Rare puhli heJ un flit-
Ramsrtkxr1rslstrkv), artfon)(d%leII7+l1's!Ive/joa1"tia•!of1
da• h ,r^2110 daft ((r, in cob case, if N;xh date is nut a hl s1 r is day d -
,k,I fxta:ar d,m) A Iire;,ixmrak;:dal nxxlth 11`77k, Ill khaf
pufrnrrl4 p blfcirm erdxs not friNish Iltc Print- Raic un either
.1 ti,a'dY, low, k -f lot:r Prone Rate l:uhbih(J ut an ntocm
rMb3t.r k34 girliTal(velb to Acs ork, No-:'York. or 4v mar
heir: a :nilar ntrsx k at our »le dill It- tfun,
1). 1112 DYR Quit sxit x;ihrg APR) oil all Ftnh!r? null ina," tol!Ie
Ikfani Rr? fl daring ? Rrtixtc !tn(xl (;} lciur A;roun! is dciin(uerrl
rr1 die' i2wsrg Iaw (tf am lhrm bigtng)>L•riod;; i ii) your,4'muut is
kinritiertoil file tlalrv,,Pskiofalylta)c ilivrnffiebillingprrinrltor
tiff; ar lift or nacreOMKilrra 2 pin;nenl'Ail littuh,ri }rnr A;r(.atnt IS
not I'lli lrl on first ems;-r:resit 1"rr lr M:f:un: will he consi!klcvl
(k-lio-gi,•ail it p rrrwr of flu Anxentf Dile Dom a hilling re irxl is not
m*kd k,;rxr Atr(mnt Ill, tli-Ckang Dale of tux real billing lie i xl
Tlx'artirtPekd nfile p ln(I,,xaisliliniltl',;dlplririllllnl Ixnr iar.of
t X0r aF6rrlr tr Iiif r {; te'rraic (ndin wish trier (I Ing 11 to of dlr.
+ rratt bilhn par xi, s atlxr it xN 1',xt a hat n 1 I statement for eirch
stair k8irag ilefi i rht Ilffardt RFC-. Is applied, it will all;., to }oar
Auenvilforhaitvr nrhillingpenods, •,rutningw!ththervrtert
hilllogperrxl 'P le Wit lh kale mll l of arpl to rn halal re for I eat'Irs
nnktit t is hit
than :Ix- rair that wnukl otht r nsr r+pli so f ul:
+isrklnm 11h, lie all. Fmk is A PIT 4.06i d N.a cut lls;welds w l`
APR of 1i llli%,
Average Daily Balance Method for Calculation of
Finance Charges
4C'c t_aw tlr Airr?rc• Dail; Bala.)w rkthJl k, c::ki:late Ilnanoc Charyas kill
nxtckoxmt. L rick r this nkthd ve ralcul ttu the Frta:ln! Charges on;nur
P,(rvtult hr aptdyktglile i1PR k, fix:'"ap! Daily fWan!r tits ( e%Tibed
h+knt) rd I fur:?l isWFntbµ-toadifferent i)PR(ir:cludiq
^tmnt:ransaaiwu) f)iEfer•sttWits oa.beafplicJtose)antoNature
Nib! yes To has: the #erlge trail Malmim for each Feature, we. ( f ) ;:ii; It
I.xgi nw gOJamce fnr ea h rby fir eluding unpaid I inane; Cl)apTs faint
foo fort hlh.:,, peri(i(6). (3) A, a:}' new trancicti u;s, deiiits, or fok,?, (3)
siihtrxterr' rpli dtr TJas(mlii±l is of that dal. avid (4):hake any
aR-mlinak 41zslmtn5. hire tofu r4rr r!!c r llxr!nv;fnr nj 6, Ni irrx
jxrr.>rl,»-ativ,atilltvitko !( airkrtslrrriartgr;la:rltr,»;rs(kots
,ball- iv aace .:vh/ lrrxl )A: * lN71 •!m d 111fim.t '111ic .gi++s its fix-
dady balxi x li r [lie *anm Ilr that ca:nd the !xxulning halanm for d,a
I tatln: ti)r :ft- Est d:uv. If tF:is 0alaan ri Ix'gatisr, ft c anlsiJeml to to mm.
hoar. k v a U rye all ttk rbrl} i:Ihr)xs for the FeatWC for file hilling fil l
maul sink; Ina- h,tal `•.) the nunihr :ida•.t in die L1111ng f':r'ri,xl '11tis gist; to
fin, knr:pz 1)l Il:dalxt kr the? tca,uit'
f nr afi hit:rturrs. 1'r A1errge t))Ail lirlanev I:x :: hilltop perr(xl will I'll
r knrl O ha tel if Ilya paid, i,y the Chr.ul„ A;e of (I c c:urenl
hilling ptrbxl llr tn4.11 murn lalan,e, if al , shn'kk-1 tin acnr:lre•.ious
1?
v13 670650 7/19/03 5:02 PM Page 2
?. 1:114:n`.if•.ollnnlll.li A(:f:lf .i.rt.':itl[h,c:xh
Ic < . ! I L .t :. or c' u1',.n: i•IIIir;; ittrtul trd ,r 'R tot IE fo1
I-.: 1.:..."e 1csu1+, u !I ix' II r 1 ?LIn i:h?. !, ,.,x,;s[d > I t t .'en:,n•.
I'1 loll I' I.- -Inc I It1.111€.1 r.Li1-g(M1i
th fling wd is c lh- lid :V1,11 11, IIll, ulut ( l i. (x...? t
'7 all Fcahns f lh[ ;,,I r:. ;.,. ,,.<YM 1..! 4 •dahr_ (.t to i I a,Lr,'i.:.!! ..,nc...ter.,;i•n/IL':/f_c,-:r..t/-rile%r;
r:! f';::ear. t• O { r, R"e l I s; in:uhrln iI:.) f ifooll::, ishkrh
xl I r rtlui d It r>ulk lit eskol:a. th t r e Ikli!. 11:11:rne
I intmCr Glrire. ,!nLl rlaael a:nnr7ts I'or I zamoli;, tec:n;n 111!1111
el`ly1 a pr 7 run. it naI r tnnpl dm d u fir, I ti. vt de'll'vsi to
1. ul_€tt nu hun:nxilly fly .lc t 178,IL. aL.lul-mg It ys. ,,..(:, .r
A11liter cantpcLitinn;ll s(ros Alan am dcscv: in Ihi; Ago-l'il I
+I ).udixmhcn v: aa, .r ,Lkarpolle.li[,;nnlstd:ki`ttnnsict[ sor
t.,? h•rn ill( L ,uL.xa (7fit '(.dim:1%thil ).•; CrIle.; ,:i: elect x: Ilse i la!:'r
add 1(I kl fill. 'is tall titan,,: fit 1 . Fm l r s ( villa
III. it .- rn}(:) h It: t[ idlid :n', h.l,:r _[ ;la_::na.:,•tl't v :n61 •'x,
II.Ir c'r'L'r.;ldani7ifile rl: II p I r:. c it:, file I-t. 'we z;A Ow dale 1'i
h n:[• is ter i r..1 A q I ! P of hill;'ts Ihal it 1:111 s! k,l in a h.:6:na
rlr.m;lii:rlh r 11 rA,?11 t 1t,etiit I nlln.io[,t l.:n'xki d:c
'h-:u-[ •th? IH1I:i.te,l:;lli.,l:rr('Ifn Itllras,ilhll.ur,cr
:fins) Ihi;i;<n,adkll,!, Islalit i:h;la'Lni:it t!A,ts(I(d
ill[ 11i it" !If - -tl fill 'Ilirb Ii I I•; . rIIgt i t , i;:II'la (
Annual Fors
I ill I of 1 of ( Ilst f :-Fit nil I
:1, 11 h17 ;:I Ca „,.r Ach t il,:..n: al foel.,r..,;h
I . -.1 is mere 1 J (i. $ if flit. IMIIII,, Ad l • h: n:Or L,udlmvC<ris
01;111111; the I Tin( I Starts.
Late Fees
,f p::yinert c' ; ?; lir..nion r; tla. Rlr:oart U r. o I a uil.nggsta4iIllenf K not
f l,tal in ',r r, n._;.I a by tl,: ! ,I d;,; ificr to closing OaL of file nvM
nlh f i,;nn1 Lksinl ri 7 oia% c.? lfacof.?9trr,t$ISI
i I ,.n . i f r nI I ,of Ih v nn n uc € lint Mx ritd to tit k Ikecht6
tr. _loiinglllr se III,., & &W, :1 girl ilthe nx nllr,.gperxxiof
till n t 7 I sot r r , if
I AI7 , 111 111 I IN non clth!cd h Thal
sr tclrsuNI)il! O .51 rp IwilefIIRA I: 1kltnf hkrsnd
utIIdhi?tn, r tO io Iwil atc+fl xfrei
1 t,.:.I ":;flit 1 + of ..r a null.: bur i- : , reinu t; rot mnf(I it c:ICli
. a rota' I ir;t r nlltig I rile (ia'! 3l i)
Other Fees
nl'dfl:' I -171 mill, fti 17 uln'A,€ a lilhwk,afxl,lit A i:,.
x,, she I u il. Lunrt;u or dr:, 7 ir:1 , ntenf r ,kr flit ac n tri, its
! 1 i :;t oll n:r •t.rourt r ?nt hotin (•i npo:t flail l:rt.litan:
If a Cild Is pl,:.l.lcil a a1:11 casiu:I" o rho::I' ;:n 1,nxilrx I
I.:!.I:-<sl'rlcl;i•r..ts•ITNT 7:otlcl.:l:lho A..ihta;mr;anlflieit.'A,>
t . I I rcrr'. i -'st. n ,. -::War I. 1 i. ,.f ns9 ,\1(,111;;I:a, ;pill I (:urp, !r.
7ur,as-,Ilit..7flit, Inloud tlLt :h,.t flial;asiiidionord.l
;l v ,. r?i A ) I I i{g: f , d e3 LIr x! ihr.; r(nin'
! - a:lidl a c -1,, 0. a h:llltl 1'' Ioll ivitl We r+il lint diilrt
n-?I:x•for nyr 1 51 for :-c(ry (I;an'nt the r)il€Irg 'ainedsfnrhe
!''-n I?illin, ! eli,xis im!ur ! ih:.j I. l:I ,<I ll L r hum
!.aF:/nF n?:fie. lll.'1C.%1 ,;I,lra.ir tiro(c,,,Sll
uc, rrn.id s _rlkr1 I r.l RLsill i I I iiil'ii tit: Rill::.. 3All:
xl sto-ai lit 1,5.: fl ll
Su^,pe?sinviiCancel latinn
I1. 1:1 h €1 r 7-I 'I 5( 1I} '1!.' Lt'' ?. !f llrY:.t ••r IIC•
s, I u' •_.: I I , 111 +c(:,t 1 1, .1 I; t(: ;, r 1 ; 7;nt.•.nu t (a poll
7. 7m ,. .:u1bw 's( tit slz::d ?r (rani ;h a:lhari>::Ix n flu ins
ifn1 !(.mfl u-v?nf I ( aNto n11t^cr:a. (rglr tilt,
I nn 1F_ E lilltl'.6.1ar II III €. 119 ' lluden .Ill -II')l rli( rquifk
ill M.11111. mar! ?I x tI •i I l ln l r :II rut Ip irahk I Air, .:f'1
ll. qutrptll 'llll ''r 17rlnl..o 111 I r Ile Iimntx..m
lun'r..:.m7 +thl nl lit rrdTa.:;,tux allelf„nil
,.r N s:. by y r 1 .; ,t.:!rll 1 and you Iel float us ill 'inc!)
h (Jurtic, lslr .:.nil wLfill 4 1:ararlviar^rrl;arits;v!uraccpRhe
I l..'t the r Irli) , ur'l to oil and,ur i Ndr to C.,:d1 : ik-ri Wane
Ili r-flic:diil, twe 11'`•ltl: i,;11oi'Il l':,IIIitS n;i ell::, I=a lJlitiTira it
::r f gait mus'rtslmv Cur roun'if it in is or if ,t+ nx;n[st, to to third flint:
I ( I V - lit ;n nu I lilt. kkn Ill, iA :In: ?ddl.N n.ll € ail:. •tn: natsY rxdih
IT, J r sire !to a J1s1.
ite I tttek,awl trite -tin' 1!r,tln I-n tl-IYtA..mi :a
s xI soft] lal if e (!!I t oft s, id loll a l °.: s Rl ico Ids A{m_i dta„5 l
111 I + rtnd 11 111 11 a )If i m + url aTr . xs y Riost
I 14e1-I., lr !..Ill It Addit1?ndc111-leil Ill
(r;i.rtiiN l1
II l.a:c;I i i.IJhII l I1r,lh(:!hl:I•r„l
Default
s4.ol.:.,•n,lr :n,1bs,.;i,,t,)Ixllau.I:d_ Ln11:!C7nl Il.?iltnp?,
I ,n....f.:ut tt.la^n.'ffd?,nnl:r,-1.hln'ralrlli:rmr?a•,r
11111 hit:F;,kr 1l ?rt7ncm
ap fit ill
nl : d I 1a u d o f ni- idr1 Innr \^ aw t to fit- if, clefiiii
t 1:1% ime if : of 13'011011': t ilk )l %r_i 1:! nl ill MICT oIll wl:li this
s,-n-u t.r an, odic aWO I7r71.,m ,its talk nrnosk-Iliaf if sent bfe-
i i unlise cr r'dlu.linn unlu' area othUr al runxrd Ih.1, 7t uay hair
r7. u: rv with l 1 d lir •dIili-I i, if : r rit:dlu a 1: rrrnin:r €ndwati Into
u, 3t I}ttl- IIC,H1;ufl!t: n6u1 ,C:.nrart' rir.l,3i'y7u;rdtlts
its l : rmnn cI le for Ix rein a fmnatir t le Id1 Ig us 1o ixxldlxk Ill it
t ;I Arv iAllerd ,Y.' lint CIL!iiNiv lh Ill t:..i ;;1111,, V rl'f'r11 --nnlll tL'[5, 5Cru
L' rl n il;fOnni,in:i cr.I! ilia+1 ie Cn•ri:.ntr rlxtrtc. ar>•J
in Or6:h:: Il'lirxi l?' arit tna;l:'I III[':IIIUIinI I tf[ki•i tjiv 411`. inx
:rt::utli,a,tirntin•rts,,iu`otl;l (eau„tltl:r.,Y:;Flss.
It'g'(?iI!St.Aark.. ._If d'l.t`t['nll ?. ,(, .....:I.lt? 1 :IIv.l l:;,tiiki'\:1111'
rt. wt t'# Ilnh'1lrf uiAl
t.:e ,I t(d: nn tl El.d. d Il u I i ,ln h:u!r na,t icx)d ,..1 ns
r „npli:a•krasa.wcln n1.lr..: Tin! life ig2,r i-'x.ro, tannin;
La!, (
o v
di flit k it . ,in; um A n nl i! <n .kcE:c it r [stir;
'::no,rtad;a7nrlbhg 47.:1 ttl :mMtid:rel>c).of mill .€ -h[e.::n.';err
susd7ndlrr:a?uajirri rl.t::.r n.7ncrtrd-nu.•k:c:e?rt::rrl-oI
r Fraltnrlli:d urn 1 (ff,'nil in !soul(<l on s+it? ibetx: rrtnt lbiv tgitr.
k, ;;ay . I r..rr+,u!,k•,7ast € !,:h1!g l _c 1 t,d( :ilt(r1c G rec. i:., 1-n••1 by
uS (11 in (Alemi'm will-: tile, coll.xlron n(;tm• :InVAIIIi dl v ('4i %iour
Atinerl• ccilrtixrrr uo I':;ni?iutAu I. lihu'.hon, or sttnilarpuxlet-,t s
alciri':a'- 1:;111,(;; n: rtayl:xi:lr-n . tim;,):Inch(sfn;nr,c,; i I trio.
n;tis9 durgIn snrtieftliloil rmnkYnun!
Transactions Made in Foreign Currencies
IfifAl illi, lit 1t flrrrrragn ontro:J111. iiwiliie;n.rewtInx)t::.
:Irl.!nn•anrdrk"Iti!Inlii:ulha:, a 1.. _, I'nttvaptr',ial:n•I:rr
1,: :1:q: nil m .,? le_lld I rr ,Lt:.ml feel x ....:',rlx=Fr;umttr:ew s; h'
h::1 Is r ud.adrW us f r n rl:dli. a tI :, the rrtami xl -air uliv for
(.I:,aix in to Gvtv_pl full;^1e is lie) g ak•r'f an (:rr n;hsr rff;:ia
l: I rl elk ;,1111,1 I L ; ,vin rI -f l < nr ! i ir_ 11!yxti
utter?; lit-n eaknnrv, doilhriIll t.r,'Rvrnr al?fo: Aua,.
u.; Ihi q:'mnintiili lllrp'ila lq nv-,,J.t n:+. xi, _Zinc: il:no,-Il
Ili n, ill,:n_rtia"1..I.li,IWIt .i!,llr,.n ;i? Ilidl,trl;tt_s:Lli vl:u
LI ; i (.,r3? :q aC',IF Ili! dthsf n :f 1 -h _c liiiixs) .f ::illnl
,;!. titrf ,. _1x11 rc'h ?sh!ni nls :5?
Benefits and Services
S:bird to ai>hlic lk! 4a:.: ac I1;1it• f hr d, hi x7 IM. nr:,:li!, ,x [kl_te ;n 7;
IVOUM, xrrkr, or fi"aan. dGh ll„ ri &(il:nl i!ij ::Ili( 1a r,n:t ai MW ire
:It d ti e) x :1! IxdkE tokoll.
Arbitration
19:?;'x4 1'75 iinu(n1 nt.lc tx 11th }:ci,... ra}x.1il
I'madurt,lahl syt,l(1inli: a.:;'hlatlxLa):,yirix arF.l,fkriulsita.1
n! hagfo +E f n.
Iti tort in 1. 311 h we 1 1 nlq I i x t7} t.kn n nxaids
'<clal7.dtTrknranln iRt.rnut n .;etc avt h fir
nl:imgry,dosa"grnl has{Inn.n 1 -iit;rrtrr:rakTr..:i?i`r
\r.rs AWvinoit. a I solihxrml7lrl.-prima;rmiloilisovau-ii:
li:Re1x1dwrillits, ov hcrla;ioll5hi)sinsultinglSxlt:aIt
fFfw xnc•
tp- rlY l is i fir e. i s )t (.I (I : Ih i I f tier ra lnii • +tr t H 1 i
This,! tr r: frsrif'l,q Ill :i :•, uu.c r('r poi ri: ,lLc Ai:ur,unn
r'Ir'ciskl:t 'tDo'aril 'ITS' ill's Lldilil(. i l' ( r:F.xat!"•IP,'nt nr :ai!II-•: or
m?li,ril 7,r•xl Sr:lnidur s. , 711.1.[.: m lu ,.vs, p ?rkut-1n, six ,:aF7n.
t.+' `ts p.l- i Ixl r Itt w l II 1>,.vt (.rf k to kart: is r,I
Ilp ti?i7 1 n,1.tf i.li r I., f7i.y! :I. a.t1.,.1.,. lieu, 1 Rk [G1 ii bClrs: III
file dOwliranlit, Cl;.ons din .n"!lit .folks chinttsr(cwrTVkinilarkf
riitmr rodu'lmg 7ntl.ll ll na,!I .r., tl deft chums,:noolerdaints ern":
Thine, evd ".vnl-part diI ns and Claims N&A tss (ootrk]" tan, fr: of
illl nlJxT il.noijoval for , ;.a . . ,r ,!.'ooh, mramr:, 1%: xxl yd's:
"CE:nli' cfsrl iMlxkc Chifor, I:v or a; r1;, :ill-, _ int Fail, rtirliq r
p :aJm ;azprdols 1tr,)rlc=lrl:€ucnlllivif" wit. any 11"Holt
indi ii:q; Iat r=N lima l to.. cry it h ,11,11, durJ parlio, r.axt;d lit(,
l.ara.Illi€:I parties•nirn vv,In'r.k.ill •uf;p,lk: ht k, Mader fir ".:rtil
iir,xr?n,,.eurelh-rinsrvi(ks"IgirratrJs r:;rinaclW:hsiritni
': or)Anxs. Mot rr,lf it[ rs and all of Illf Ir. grnt5, nnd[aa'S, diators one
n11n. 7tL €nss) if and onh il. sudl hind !aril is [lalilel ;S s a,(n'snt svilil
I'll) l :ill) lit 1. r., rte!in irlojiljtwrii•t
L.uu sti A I .; .!:u •, r r;'a° !ly qh,i 'Ihc leltn rworn is x,11.
,llsul ; h .K I(st txnah t -I am:Ig d'i?t :1111 `.a• f rt'n1r! sxi (rvirxks, Ire
w;ly of [ w tHk vAl rfihr I: hzoltil,on. a'r• claim. dty In crwiriicii,
Ih::1 jitst5 I,Jn,nr ridixsI'll, (1 '..F !A1 1• .•'
I. II x. 7r•?cm: Rrl tlr,...al-f ISi
lir7gior '7.-Wade <o ,.IMI. € 114 i1 N i'r..vxt.s. °
I, n: gtwn r r,t 111 writt l stnrnxv l !:I, . ) .r udi I wolfs, prdi
tr sfr ors!,I . I sil ander t ,, of the xc a t; 7r ll.; nos rA fktarxitrg ;r i
he fc I ),I xn;a l:L,lat in t.. I liu.n!r., lip (€:1d:ding (;r l av'rl no
htvtr:xrf#;1mn;raur.tnlrl!ot.r?n±has,:lidI yxils1 irguior.,alit(Ili
yt;ur ; l jdir<I!ext for aai r o a t let sImil roll elect if, I, -' avNIF i ion 1.1 der
the Al •im tiur I'misiul for , iaa!nl that you prfixdy file :eft pur;;ie t, to
Small doosruid(iyo.l slakToo noin H d,!ssnlxy sfile(la)inis
I gsll l and oo dill: ml lit Ih I Cowl I.
G;JGde nn, ir{Thru:r the;,k'vi.u:;C-krr r'+Irrt,r Am:
(,lion si ,dl A «st.lurl 1pi, t !hc k;'W 1 h, ,n ci vii . irtr,i.dxnl
pom ail liv:Arbitrif(lu. rr,vlcn,i.l ithr.-xk,;Epr„ctdirn_dlhc
1 ..,1,gtil ul tmtxat net I l l i i 17 e f t to [ I lien n r^f.nr1 I t j!
tile linm tie(llil} liktil (l nn shall IrI fr ilk) atliff Ili; F:,final
Ar,itriifol l vronr f"^ AI ANS, ur th •,ux n_in Anxtnriun lxxi7;:n:1
f'!M1 vrkttt[ihrthe;lily; d[ th-gill iersdrhas:q€ IL#kkt1Mnh;
IESI?(:nt.-.+7E Bresr_raHmixalinnS is unacmpttl7k e7:rot yrA! sfx.=11 h:ue dre
d};Iittrit€rR"rrld.lys.If!u n.u;[1iu:auim,dnur;dc• ?rq•k,s"?rrtr•ILtr"1111
tilt'fglarrrtim:lliv,is IKt_1!olira;aas'r.lla:ifri; ItimistrrPrFin
;,roan.
nfinc!alma:res,infil, nldmill iar11:7114tntti.nt_t !qx
N.Af at ! I No, 1911. Aiuax.•;trl , ; :i.Siit "t
sww,ain.n tin. fnnun cool.
• ,lilts :1 I ;?') lla!n Sutrl, Suitt ytil, .'ls lit, ?fs. G ?}itd1; ?a•.d'eiie.
.,n;c 1 n +ttlrw n
MA ::I li-" ,I,:.iIS,I1 wenne. Nv%v'r`urI,R'S 1(rt 17::'1.ii ne. itwa.:. rorg.
Mvnirinomr %;Irbilno F tiIMIT10,110:i IS ('F0:VIY i,":' Ahl pA!r i}•
Nt(11IRFSI'FBI'"rO'.C,L1lie,,IL:.irhIl J)I?kvFidItr.IMVII.it
i
R'G! ff IV, I f 11CAt'E 1'i AI Cl Ahl IN COCR I' OR I LAY': A ILR1 TRIAL ON
11611 CL'::id.flit '!1)IM:iIII ;ii)rt7AI.MSt4.S141 fl).;CiFFMI
Ji i.tl I) : 71; ' K 171E CI IRf" r I, 11ROC1 0 RE'> or 71 f"t ME I1,IS ON:
a? Afp1J(.Y,. tI . I! !: 'i:O`:il "I 1:11.'i1trR, Vol::%Nl) At, SI:L Kill.
I IY' I I' I IGI I El MV hlf.<"Ylt? IN, A R"I'RFSk'fl Al (YF OVA(] 11 [ R
IS i i,: 16:71 O, ANY CiMs' Of CALINKIb t f)(M.N,N!. It) Am t e ! i
ti )tfl!.I 10 ,RR'.I'VOWK)"I.I_\0:!7NS SE CFt)R't'ilBF,W%'11IF,
,RLiIRMUR' DECIS IN IF`Ili.itlFIAAL,4S66iNfIlm.Wrl's71ty
(Yrl!1':R RIGIIN11virvoi OR ?ESFTaII)Im.IFYOf:wFK'1°n)CUURT
tlui +t1"KUl'11FeV,"MIA51 t'wAnnRAvN<
,?enYrretinnc on
.Irfirhrlh7r ii either ;arty vle^+,•s to resdc, a (:Mint ITT,
arbilritim, ih:n Wini shall lw artilfakai on in htdivallu:i l>~%, ?ixioe, f&d9
:k rro n;dil or crrlYr%rr for WIT t'r m7is M klOdWhirkrl oil a dart
r ?a)rr?rlsir 010orhirim,'nrr,.4•inr, Unnmcfsnrg'lY rn nfvnfx7r/er?
)rf,tY rl'L•,iPtll?tlt?lt'(P•'ninellr;l/A-;erv.., d WA,
irvrldfr.( r
Gnr!meMbUS or rohi r fxii.-m; ,alrn7rrrfr [Vfartrtl 'I?ve :niitrlkr
authar)h Inns Ise t:Etints K linviksJ k: fl:rkr s b ?wtn ymi:uxl is al g
;1111 tile arhilm, r'sv htrritt;ofridl•uIa-alLis lintllto istiodito }mi:11x1
Its ally a: 1 a thlrtwm. t 7::ims In 7I n !n I w ald us, or Is us ai;ista
' ov, l lox. lo° No puloll or aN*olkElkil in aiitr;Y.IQi with (halm nrrgifin T'
i,r't a!ust snnerm other tf!^at ••oti. linker at. Ili in ailing hr all pi i
, Irbdr,rLnnNne•r,furr, 7'li ii,ifrllogt l'r7ri5kgv is rn:ak• irm-tlint•o;
truts:tclioninolul•,inxo. i•rnnnrre,:extshalltoo, Ir;nrlI.1:x
cd(vilAilltrllxnAet.'11.$r..vyakxriift't,dIilaybe anxI d(t':le
1s } `v:111:i11:ilion shall li•"Tel L; i r iEH7lr;:hk iaxkc a1.1 that
(, d , eN:crio u7fn,r:.d,k miller Fkla iI •tiih3iini, (rnisurtshall
K alnd if it is fall ntcshau :atilt :4"::; (Ix;dfk f xic Tlteadilr:d•rsluli
I{I ivdi.:hlsu':s"rd'nr"Io xxsiNlCiAMiltfvFM-Irfapplim)ile
l mitutrns, .l hxdl l-xNar dailrtr nf?risilell: rvoplize<f at Ni:
1al,rnthelinxi:Ir:!attar €ihrrp;:rhalritf)??tr,?ab!kFtoritks
^17111at67n i f I x siS fx the d'rision.'fir arbih rt nn laxeelingshall
lint ti. go;criv! oy ally F akrd ur slite roilis C*9 prazdure or r!1(s r,:(
c ul i s. Fuller pit r no;) submit a wrist to the arhllrafnr to ex(xnid the
kgmcdil rinulxkrtixtiiiHlx7okfrxk.1`xFaAvstitrnrttin,axha
agli5t!nofpntille:;`-71F`Intl foil.r!;Ir,:.o-'.-u7rre!rstltmltlk',i[S:!KIIK;u
tl [ I r rlur sutli I u NIS d Ihi d1µ ifr5 P" I 17 ilie rar es lrv -piwi ,
11n Min (A Ent Ii A1rrrg •t7- rrge9ril nay's 11010M. Fi r
,.fill It 1 a N. -t 17f slid ;I ire k--; will lie in &- rte &. mrun of der
ad del tx lx7d ll rxdi, Ili turtrvs-1ltrsfiertYctvrat within Winn, (3})
fll;sfit tile :a. rkixrivssolvilicurn Ilk :d7drattgshall.axerav7naile
! p :.7 pry nr fix l4i-,ac (k it InilliIAc. arm od 14" IM vitatll
l! nx t! i I Iznt 11 to xa and naxkrtrl in ;L :abiiceor mall, iv eft ied hi ifII
nnltinrn ).rNlxli 1 !h• ubdrrt(ucikcilQnr€uill?cfrli^ISlbin:4ng,
.,al.. f r ini right r(.qn -,if prod IT, tlx s? Ikrvrstr ink p:trn 4ln
Idx l t I r t,rr! !u ;: ihnr aril(:ra w!rtM Aknirdaittd S' the S ax
:,r:,ilLL6x• or'},ani -,1 nl, ialirh ;I)J1 (monk t =-v wiv of the iaili,:i
s nl i fir a! c in i ,i(Hx fi 1i, l in fife -Irimlingparlysliall lure
Ihi (.?7J dens fr n th( Liu ode lr rd l,c:srd5,t ai7iU.din award to
0uf: t,x :Id"i!lml rl ,rmnimtkgt dui k is
11x Iryw I : ! :!i iln :fib fete er salleery cisitrrrigttkhre l rigd aM7cal.
lt fikdwith in live krnt 4a
I zl ..nr:1.g I'x a. Ain ion tqj?ri?aliolro" 1 illY7I r elif the otter liady
tit;t fie ,:f aint has Ixr71 1111ie:1'Xi 1110:J1fltr tim O Anzation will :1ifloi:Y
it Ihm::ut€iern r [yaw d d:;it will or eta: x.: atlkratiort romint k7 tit (;(rk
aidtcnN,its clem. twitiuooovlitIrlculttway(10)d.risrd'I tae
of lix•'gjx)l:iris rr_ Inotlai. 1U.(linsixt, tithe pal:, Sh11f lie by
In::)nrib' ink! and sl?di tie final kxi to.,4r ;. .
lea tolibn iii: r; hifrnh ? orti ;irov?d r.! &".- Ax adktnlion hearing Lrti:
stn •,:tt rid shill take Ill-om in the 11,vol al it" &.4ict d mar Itskkrtce.
roll will be r dm.Allk for pain, yfinr Jute., d a:r..: 4 1fx arbttadrxl fees
(1.x11 Iefiling- .4dr inistnhse,Lclm7galovorotherfns0 pmilk(Ilr,•!I;(7
f, wk.i, tx rzxrttn:r;slxhkrsdil:fir:•saadtk-:uninnrt(i4:efilinghis,
ell x:klhmw if aoirlld1!K•(1tl:ni till Dorn brought in Ili it if
ktkl ll' ur &Q,1 In 'Allivil!
xlht??Ptr.3 seilh t tin Jx x 1 r11
fli 0:1 i)). %t I- ",If x r x r60-d kr 1:11 IT rre (lur 11 , t ,.I:Ilr„tion
f is At flu wridt7 r ilrti. we ill c N&kr in fp l hill) nl-,kin A
k llxl allvanei: of Illnfeut•rdyr;irel,aroffieallotrtlki•sfirsfor
Ci nn a miti:Hc o 1:s{vkh :li t un}t irk arm.?rgl.l'ou ,1111 nod b
rill sail :€I;y arlidr }onus fees i:i , eo, (.a of slgrlsl-are if ytrI lit, ;ire priail in
(1 It ai)iltitknt will Is,
Cbnfiinr,d.'r7n.'111is Arbtn:dlTill , Ir cir`t s ialI suit c umliIII*.1 of your
a(xrtoits :s,,%dl as Wuntm jymnerit of to:Lroutint bal;utce in full b+ ml
xr, 1pi F-ni zhl g In amt or TIN 41 roflrf a ekbf [mod by di o f it fo ty
hat nod 1w,vn or !s and an sak:17us,A%olorAtwuilhard fitO :isr
(d silk, II• h .if.s drill dolt !n the Ix1tr )f awl' :'If toorokmvur 11. if air
1)(11x-11 dIhr Vhr(rl.irlInrkaa isdmovrlhw.dx orun.,ilnn.::c!7k'
Iial, nl,l,nna ilk, or flan 'l'l v-or(rEalr,dslta11)Ndrltaldiiev
R•In 111:In,, i. )m,q s of Ibis Al.:itr.'kn (Triune a the Agni rut t. (stab of
bitIt shJ1 itc el i vaiiii le agar lass •7f srJ: invalidity
Waiver
(7ur h:ilur In Ixcs:BC i:r; r rnu ri;ht 11x:_, ilas Agmntcn!, cur d_tav 111
I?ifon:ntg,.r:a to rlr mitts, nr'xtnciiwr r1f Ittr rHthtS!>:I anv txlark,n.
;I1:Iil1'(11 Yq:5tlt1'k.- 14aiwYrlutl rg'asrntM,[gherrcrei[gt.
Consumer Reports
7'()11 ,Iott1;xl/i iG xl r tlikl ey"Niilk'r reflris ilia mu, k7 nl:iii Rba i'r
i.:-ahImrstkg;tirssw kr+natoprolai:dr.Ili r7ptmv-old esehangrmy
infr ina,rJ I .a• lmy Ilxtive from anal wide tug ,. alld otheri,tlria$ and
to Ito st1'Iv infnnninknt (Ter ar' I"mr(s, miloed k) appl.cible IrA
` :'u aul.rnrin: is to hintisit inf(rmutkm oisr air@M yarliamd to
ccgllunr r xrtirg:igecexs or ottem aW Io oltyiic:bk kew. If ymt
behm, infomlali in we lace funKhed xlxndy7 vA r[quY, F7 ano shiner
mixiNng oirr cy is inixc ante. mu Amin write to tt% it American Fitnill's
I
V13 670650 7/19/03 5:02 PM Page 3
Ir it lut,tt I -::t.,'0 8o.'n':.':. L!,gl:nlalc :I i and
Ir ctif. he sax6h hfoiimli o „IU Mitnc is l taa:.:lie.
I :e L•clcl nrhil-J .11at iuB!rmslivl about our tlamt :h:a :na4 hate
u,,:II it C 111:1 !et Q 'I wily crept rumil nn he s.I ..IIi, crLo ,: alibi
if you fail of
alfilI Ait, klnt of _ u_: lli,,rt
Telephone Monitoring/Recording
;:i! Ir m ,inn: to tine vav nm mo titor a xt•ur n,A)rd ilephun(
.. F:LUtSun t. ,n_xlltlo.',! ,1:Eruvill?r.I ill .:,;:!,:I;Ilic„t..aitcof
II ".1 !.. !1191, vor as ii nifolT rppic.ihi 1:e,
Use of Card at Federal Government Agencies
nL k:t l'.:, m h . ran( nil r . crone! ; lNe 0'l' C:a:l :v It,
:, 11!..11 a' ,x I . ? iiJ..: >:,, 1 It -:.I:.:f(r a t:, I IJ dei!:aUlx?nu
u: r!I, :I' .,girl.:!.!.I .mall::+lahh'xl:lt.ula'
L: C. ,x.::. I l u i0 ill I A:l .11 an AIo. o rI 1 1 1 1 h1j]"..
III!Or'11'IaN: 1,
.. _;;.!il: r I ;:I:.. m.f, tl Jrn°•!a ., fl..:n L.i:i ,:. aL..:? I.
.lilt<.:cr. !sili.l,nrl,.,,l,r:{ ?ltll:a.n,.:,mill >::nal
.111.1 ,:i 4 1.s Lx! 'I:I x Li Ito1 lo f Il.t, : 111% Si', llul
n I tLt:,', a(II II Ll,iilirlld ;Ltilti ;Iti- f t I !?:?; I m.1n?1 he
I .n.. a:cr p h t lit : :rinli!;:,Ib' in' u. 5ql ! I I rapt .
Notices
?aI•. loWt: t ireu ill t6 x :111 ii' dci7lxil'tell taa'a Ilee„c;url h! tix I'.1.
!I.,,.I•Iicn1ti,;J.addrr-krl1ciill III, ltr IIliri,a!b,,sb.;..un:
Changing this Agrennirnt/Assignment of this Agreement
' Il I: 6. 1741'1 I Ali. Ill to 111,A1r 11U1a, ;IiI. III..
I 4 III LIli h' _`4iu 4 11pi'k rt(h::u d Ili' 106 !Eilll
I, . .a. r Cnc, ':.lam: vxl -,!.r Vvi u t )1; ,,rill .ls b ! LrQ Ir,l.l us
or :r : ! LUI.ir
: : , I i. I tr•?, inu.L .1:II::x arc
of ,aline r ,1 . u )(ill :.lri t 1! mil ; war. n lr:!a;L; t`oor x11: .
Assignment of Claims
of ! h "11( ..:J I :n .I .,a cn h: .u s.'eul n.I .I. al'
I i '.! !Ir ,1 I , nIx.IL, )n. 'Inn no.
II 11.1 illy Iix 11 .I'U 11 ik 1:1111 e; il'n I I! n;
116 .MCI :., IM-1 Or Ddlt. l -. I-ircl
in 11I nII I u:nh4 I a I I s Ir+o)Inl! t: r
111 t . ith lu n Lilt, al I ill a Lac .r:
.il..: ,91 t inn!. ill p iwl l:: la l or Lr ,.ur• !ni.
h, rs: rnsfi';,I!o tctlr Awlull;uxl! :r r: !e:it ax:rcr,tlc sail: IS if';}'
Ic If. pie', a ht ;!aryl rut Io, o atnn I t.
Applicable Law
his 4011 ,!'.ie ! :!it(] p er Baal It ;lid all 31 . hr n: l al' 1111 n kpili;i'.
trhn,:c; :il P; .!r;d mteniretahr.-:1, arc Q;4emeJ 64 iI-' I;-m of 11x; Sixe
,'I:]! it cu .ti. Inl to in;elid principles nful.dhcls rj lu t„rt(I ht
pp'i alie it l I I h ;•c art I xlarrl in I lab bold rOtr A^ ..I in fait,
11 II I I. A7r lllr l it 'uil'l1-1,111.
h I" 11`11 5,.TN I1hl!,A114+.k
! 110;0 i.. i•nJ. I ':-v.:... Jf.frr
TO A3tgRICAP 1 \PRFSS CARO3IBRBFRS IN T1111-1 FN 119
SCA'fTiS AND I'I:S TERRITOR1FS.
501 R Bf l.l.INf, RIGHTS - KEEP THIS NOTICE, FOR Fl-: n RE
OF
his llicecr. % ins io lorta I::,lii.n.hoe d..l:•rul1+?;::, and our
11 '1.:binicsul 1. -hc TArCrtirl;;illin,;;1,7...
Notify Us in Case of Errors or Questions about Your
Arcount Statement
f?. Ilhur=,pol I;lahvxnlls 4mi„ordli=,.ItttL,lcr. n•I?! ac.hol
I einrcn nn'sl;ncuu.- I ,r?als,;n ;cp:,,.teshoa.fl.i,<ra!IP:e
al..,InNs fxhiillnlln I Isla(luirxJSElxlli.ntINriU:tryla,a5cn,nas
11'" loo l h ..l' Irolo'flu lx: hill 111;111 4! {Iii afal i ill iLe
fill sif I. i ! Ih oror:x! ob of II c 1 J 'rot c,l ;!lv,
i, I ! .,; ht I m; !tn l unl fir. t. r t:r .q hk
..I; Itah9:l i t ..:.' folk: tiny, tillo a.rlu!I.
rld )",I mil
':: Ir I::.Ir; m tlu _t Ik . :,:, I,::I•rn:r
1.e a: r -tl ni.f I. if ... r::: .'e inx laic Il:erc is
aN
! Silt,. , :nlll
nr !':.I !u hip r;.cn: .. rr fluff aoi ,u,111. f.oet
I _Pt M1.I1 !., ,,:x :nlil,.iii I ,.1,. 11;111x.1"It lilt
IL ,I, ''Argil I C!.... rl.. 7)411 ,,:4111. ,1;1 .u!CI 1}I_. L...: C:
f n r ,I,:1,; tl I .: I ,.I(.Il:'.:; a. , !, ;: p,; al rt is v 11"iclod I l Jt
Your Rights and Our Responsibilities Altar We Receive
Your Written Notice
?47? Irnls! ncknrsltdgc war biter icitar:. dlini? ;1113 :L•r:,. wilts nC h-,ter
r !t I at t,!' :.;.n.'A il!ull ne r•t. if 0) d.i ,. itc nnlst eiPtn Cora'rt
Iht nlot or<S!•I !11 Io :+e`ielleel esi;zI Io a :IC p;I'Rfl.
ll!t1 W-hetp.l Il lll'I;UL`(;•I'lld i!1 li)C(1!.nrl:: ,i a:Slal6 1!x1 lIL'15h011
nl rl ?i i:i as,lta ,quern t5'r, ?n'nn!nni• 4o I•IIl yo:1 G;r ILe ;!mount ime
:n (.hr::IL incluw It, l . !,:ti'!: Chaff plait lM1:,do 0U e4r xt r- I \ h.stirnx:;l
:t ar!d:,:ililctl a '.1's:ig: n .h.::n..,!!t,,lllr„hf,:da: , f ff" -ills
of rlsflll:mtri fl•1 Ivncdill lII!0Aiml.
t 1 I I : t l I I : ' : 1 • . . . 01,1,1 ..I Il'zl,.l - ( ! : , o .; V' f;, 11..11. ,xt 11 11 :x . I-.,!: Ire
4;111 urcEd lr!:11AMjlsiir,:lad;1111,.nnl! `f r(hd^,t
li-ake o . kif!lke ,!xl :nary has it , "1.;11.Q tear 5 1 xl as v.lll !01,11lr;
lu ke tit) my lI1nY f plivi:L m °, x, IliostMrxil anlr!iI 1L;. II! (tlxTeast. t;..
will st<.11rt1 ti.erix: 40rea!larn ,to oi,Jolt !i4lietha!it:sl'.k••'
II You fail lop.T. tlx 1tnH6nt tbw't ut:!liltA ,11x, oiv. i.r mat. Itlw!T.nu as
rkdinq:x!r l:tIri r if oorexpinnntl,m (I ors nil kllkA. lou Ind ,o "m!", to
is within lil: i lql JM'i e:iliveus th;l et! :III :F7iiv llay.'K ill Ut Id!
antone tie irpon:ill: 11)1 31 \i'I11;81 !g1141(»?8lq:I,eIIC st;Y(ItrZaf :I'll
;re Hurst hell toll f:x• Nx'nf a-vo' •e rgxnt(il all is W'v mael Ill
`,Vat Is 1.1 lion a ii hx Its, n.,!I a t: s :.::, vltlnl ix ', lvil :,.'„I:c.t It
till Ill% "r:.
If,'.r:b, not fill':n, Ihex reV we r, a::x,:,4kI ax first.. :.:h;'
gle?tliontilcarl'xlit..:e:cv:ur,•.r;:read%• ronut
Special Rule for Credit Card Purchases
f loll la%x m1e! lrnt pith fhe qu:dn J i:n ;k9t, of Y llkui ill;. .txl
tmliiascd ,ra ll• t ill. alxl till" ha%c try. 1 ii: --1 ih s r:, .. !l
nrhb::a°a'athenrnl rl irx tir li;l :xlh 11:11111
'1'm;;i,iing Hoff+Ial,h 11 i ;?tr,r :. r; ..!:.,- I .!. , . !. !!!!m!P:haa,.
to this right:
?al `o,! tnu9 Oar: ha?:?• p:uc`1 4 in vrr It,xl:n sl:d! :,r, it not ;t:Ehcl
: lrl -n :Ifr i'Lin i(aimlry.; ' ,raicclam:!d:.,t;.;1Jr;>;;
u:rt
fltl I - h ,r?s° prbr nm? halu Ixrn nlnr, than *i0.
11:(x' hmr uxts 3, 11x:, :glptr if ttr! nr Ta r;!tr Lie :ncn:h:n:L (•r :! •,^:
uefikrl tiil If Y_ :=hLnic::>; Irt f:,r 1x• p-:ftrny 1x ?ni,ts.
Note for Ohio Residerns-. 11:e 01ki Etas a linst JI4 rII1tla;ifM11 mquia
Ih a all r\I1t, s ?u r rnvn rpl al; 4 !I hl to all (mlir:n thva a( mu
.! xl th:u a tli.. yx.nin>; r,,t'i ttr m ;uu un 7rga1, L hlCUrx'c ra..ICI:
ll'i,ia ltitrtnrx_ 11r0hi'Whill1.Slit •'r4r!nli`:.i(xl:xlrli.t,pf9
a:ml;li,Lxi 1 11 fill
A(,RIIMr-Nt 131',l Vr LL[t C,1.Ii11Ai Ehl Sl?R-
?Lk,N0iAliiERfcti'v 1?,l^Etis
YR Wt 1 {6FJ ATFD SERVI(FN CUliP,?FN?, TNr .
C(1,yCEliVLN[, f51S.C 17LONIf
F'11NU TR,Avstii TR. Sr:Fn tars.
OSI,6 ltit! F?rkOU Ih Ft1'ItOS GlUI (CAll. 1-l Ml-CdSR-
NOR`), PAY By Ctr4I1•tr IER, 1-.Ay RT 1'tltkhlE OR :4NY tyFIIIiR
,W]BRICA4 EMW' 4 ELEC1Ttt NIC, RINDS MAN,%TR SERVICE
RIERf AFFER 7itE `PROGRAM"), Y(t! 16'1IL BE St;BJECF TO
INS RLECI RONIC FUNDS MkNSFER AGREENIF.W CITIE "EFT
AGRFiF.W411"').
Scope of Agreement
Phis El"I'Ar mnkaf :ax,r, %MIr lrl !:!pati x: it [lie Pmgrem. 'q fus FYI'
,gr+slunl B{ ar rJ "i!HI .,l:d "t 1. n{a In tl:t hn - r rthlk inF :r
'I id cdx: i!xdikk all .44101 1A Caldatuu!crs why halt ellrolltrl lit tic
:'rvgrun.l?lr:;un4 ,4010 ),r zral !s'nfrr!r.Amerk'ani.\;n+s
lace! RcY.url: Sri rs i:ianf,.ur.; inc Yxt ,v.nk ' j1x!r,tnx rK;m I'e,p ess
coat'rr{err-4tx_rCanl'xrn:In :xanc:alts.nte!icanE lu.:s
noon- Olaf neflr:,Il 111 I, ':aoll in the "r.np::n!. 1 x'"n; koor
B ;t Jt,nt!oC' rkr o ;lilt, aetnunt !lot! in a i:zrk. srsuriti(s limt m 1,,:x41
Gl .::;inl 1 I t lwo lrwli cinch will :; (mile vlKa ;r,u :nike
nanslc?ore; fintkr'!re Pm rm) lhi sr.Ills `;vur h:aa' o1:n! tlr hulk.
ter:'its Gm,,l oth if fioanc!al ; _,luulux. d : ! Ir,;kL ,or,- i a:i; ; ,coat
1'llcr,rlnh'rr.It<rr-'•IF!Its Ief•rtoeitttIro4F h!tilr,ticmtien:ini!u!s
l al%i:r,-,crr,?h:Irir?? 1a1.,'nn'kl l n s;na' n k1 :::1111.,`,; 14n!n
lh'x!o 11 Itwlxli!rptlx >I?n,lcity;-.'1l.[t.nnlA(1':Nllll!all
lr:!: ,^t II wins . r 4npr. !ha r it other it !c,. I rAill rl !:g it, II
r AYMBt dll t II;:W hA to o s: 1L: Carl io obtain (:ISIS Iron:
A.eamalal "1111;1 Yxilints ("•?71167 r?rrakel bi :nr ban; or fiaanmil
it:slitntion that p;rRi,ipahs in the `gl.Ws, Coll Orowun.
I I C;!nl "au"nt s vxcrla s;i the CanI111e ritef Agrecni lf. that is
s:tache l to this 1'i"1' Attu"ornt liat ig:ei nient ;u,d I e C a dalimi Icmis in
II,1Isoa1411' Ili: re.
Personal Identification Number
in mint .tor q I ilxtr parkglasun III 1 - LJ'ml, uu hail' isqual In Ilion
n.:'Ilreiilt,nik.ixxs-4ixenanl'rruq ikleollicn!onKintor fIS').
.::0th time o :'aisl: to rI ! u, •;o-:1 ;:14tH,1111 yxl must:i:pph trq P!h anJ
s: er p k9 t h Carf 1tav,arc th h o rn•:nthon•.t! .r:, l.r'arn°; air
(Ic!nrhr ilk' la'pr ,h m!_r.!nt , , lh;uid I,k 111 m.:vrn IN,.
pto:rul t, vt im (.1hel Ix'Iml! f rorol lire nio", kou! ' 1% or icing ix
ad.: s t ILk, ge r 6 p .nl ncanaf xtt.ua; , r.r PIA •S:tacholl to
'41111 C.Ird Wet-.4ru nic flash qtrk or ,lliw:)cr
ngrnr!'.4c ust ,i a IlIK
Limits on Obtaining Cash or Cheques
111e limi• ,r the afalunf r!f colt that Ieu and AllJilivr a c utl i lit t? nl:
tool Mi lr 1: fipa's, tcr,unt, m: , its ! la: a kI'lf; is 51 (Xf) in : ^y
42111tll lCr1r.-i Ili: Iii I ipnk kld, Inl. I I 7 t, t: vl t vtI ,lcv:lciixi 11!1
addl.iol: t ut I!:siit, is pr>s.•J Iri Er 117,1', 9x7•h•y I.
Payment for Cash Transactions
E x ii time--,,I fnft!a".r-a trutv!(iir-:, cnc': the I',ugram,'rv! in ilie: and
alnlonn us or lur mill lu drm a dl:'rk or Initiate ail alarm aied clearh.g
Iou-T( U1) lehiiin ,err:tarn, on murBan kAcmu:r.p.n'abil, to us it
to ('111, Igent. in the anHnn:t rf' dx hnusXtion 'I`to arliou l: of t!::•
Icimildirnt s JT Ksl of (f) the altounl elf an,'cilsft \t,e mxitni mother
IinlLtruty_t i.t:a!Iilrx.001lilu :ilamolhurgwilsr.n:ion
ill a,rtd and !iiii all, fees urgxlm-l I:a ism r.'. die A(d! b.. it- ofxrltor
Fees
t of .1 r ller al I I ra n lo r,: I xpn r t.- r imicli.
n I`+ Iluskr:!Illr A,.:.:incu: ottr;.nal1xn.,I:b:
n4innntltn ^? 5i 'R'c' :iilxkt:nl cd Site l•nts;xlicn i :itc? tnlll,nf (il thr:
aim, all c{:nr• Wlr f*xt nmix 1 ex other ftur:k !mi-sler tlxr nu!h(ginxt (ii)
the-nmlrtofi!wMlkrh k:rtrnx5rbl:irxl,:u1!(i!i)tulvft•s
imp ai 4 u c dIlle Ar.,1 '.A• ils ofsv2tor in adlitint, fix ra<^!1 Inilwe lHl
'01117I1i!rkm :J` sitselstonxtnL'trnisodionfatrit feydxtlcoritem-
h;n:Jling ar?•, dam %Y may a6icharq•:I ict of$-`) for ash ch(ck or
.101 (Ir.•hfl ilea'+n >•r It%or eur a>,tnt in ainnociorl ll- tlx: I'lopp!n1that is
!t,u llcv !Ind ioxxl Piro fnrslentme lt, clhject to ! pphn 1-.:% Ymuf b,;nk
okP aisr,!ruwrxt.ar,dlarwfora:c'.uknr NamY
Dishonored Requests for Payments
1f :! .: tla., ` nt Af T t 1k'at tlratn in ;ts 11x' n:Ir 1g lit nl axntctirm with !`:a
ro„ run is ixA h x oe-A by In lr 1u!t:k :4i' I•s'z Inc ndit m mtirµe rho
a x11 1.1 rJ an, s, b Inmin k n and I:r d„hc xnsl ;111,
milit fit oleo;! In
: Ln,i, to Ile fsf: rr-r7nt (a to Mort 1; a ntr ni from Intl. If Illis
11:!1gv is.:, Ito, I iocd Herr ripil to patidi Ile n: Ill- fmgrini.
. c-runi N111, lurx.nts.'tic. qtly II m. a siart .{., ap!1rnx I:I ,ash ::5 or
II t a T!di'bAkig kItl , vrl!nim, lllns. or Miter Sn;nri;tl in5ltlutio 1 that
11-s a hie of rr_,Gl In Ix' :a'cew] in the eveol hai tour Rank Aamnt
(. La: t Innffk*1Il ftuYli to make p:g Ioent licl foil should refer to IN!
;1r4mi n;ie :tpovalerv mlalunp it f II It 1: of r eelif for tlx• team and
n xiditom lliar t;m rn il, thy:.
Liability for Unauthorized Transactions and Advisability
of Prompt Reporting
Yost ;,list tell M AT (ACF if ilxi''W for lire C;I:J,H'v xit PIN has hi it kip.,
srilen of 11561Ait w 1 ?t:rp(nnriSPx: "likpl rx imps du esl u ! of
!r ntml Ingfaxv k k1,zs (i a Irrisxair: I ,,: s LL:,t tlrxt,•ttl m I sithi.l
141 IT}•111'1 tlnl knnl .CYNiI H}tile
)Ith ilS 1151 llk lfalts:x.h(:.I bM1I$
I I ta.lorimll. a:' :.ill recd hale! in llvWe lnr!!M' Ir9nSmiim Ili aim imlit,
1 l -at faN !r r F IS, 'm r if .blhr fora 1 r Ib)nh-J Ira ,% oa,n.
i l_: of n$ika unaulhl,gri.t ht ,.lttnxs shall lac r.rtcrl $?1? if "on
bia+s tlxCalrr:rkirl'IFlttkullestrrc,di xthatvxnxrlri;is
tm;tdlrnit or:na_ !rcnskr m:xti:. rmn! 1V lr fiank Acv art wi!hout
p(mli,V,ia: cB'
i >n 1'~ I!tlli igloo ! S).x 1 Sal 513 i I I I inside l S
-c rt An•r1 r, I nit!;relit ip,itnu Ll. P 1 ix s i?43e,:1 .K -.',.
it tq ir:Ik'? r 1110
rh. (1. l Ir_*f Ibt.\*Y: !rr.n-rlF/?(tialli ,CIF Ankricil I ,Irg f174PI
o,itkr.u.i;almsak ertluftr?:IxC:dnrrxut'IA.
Our t.iability for Improper Transactions or Payments
If a irillsai lilin a oo rumj tTrx! L trgl 'law dlmrted Or if wr do nol
Ttll'y?('te AIrarbler Y,air f=linlieur Ralik Ili ill on JIM-- i n tr Co eft
a!lxlinit, ll,,v fill Iral'an'll and r..,rtl rt it ai rxr.-smry. one: 4nlt advise ?s. Ati.
:;ill 21x1ramb°.llsr Mt for },sir itualloosesor dornagm.if anl.ratnli*(
nur error lkrsr.\tr, d1-n arr sr,w esa?;tinltz.. ur Mil no.. It, libl? to you in
Itx fvlhxlBtg irstini(tis
• d,!hr`,n,O:rohroft1four, we 1',tns:.6nllillines nol(rdid:i.
7xi:lo:axxnl nx,rin, tooH,ricie fie transa(tio"or the Iral:V1irt-muk1
xt 31x1lF ed (talit loot:
• if tlx Joel in cram Bark Road are nr :laic at. the time -4 tlx• aneinpfril
lrl,, hki if Rit d :",;d ISTtV1s nl ,::.:def..- t ;d:rlna u:striu ig The
• it tlxA.Rf to roger it airy*..J)m :ni I • n niakin,!I•e transaction '1411" lot
• if the i{'1141;x[ Ait, ill,,•pre{ :l4 ,I :d _w l! Y!.Ir;;ll the IIlletill:
art.rl alakin^_ fix tralr x m:.
• 1 ?2:alnGUr :-x,xtd taa x unl r.,ti h as fir nr Ru tl t :;m :n yr
arnur?tl ilrc r t aainl>. tk?flit' Irasluablc prr>Lluhrv:s fltat zc ha\c
Uk?:
• if a ti imical mallulxtion Frtat:i iv euu nmrnhtl the transaction:
• q am a!xr exa?xknu slakJ in ?Iss 1:141 .Aglrant its
Business Day
: rx ixtgxmcsof 1°tc F'F'I'Agimment, our hIshl -I rs :n' uarda •hmugh
I'ritfa\. ixd lkna ale not ,r., hKW. °
Arbitration
tlx 1,re1.4 vgx l is "ntilxd tg i fanlnxirdxr:iyAirrxxd cud I r.•.+.1 ix rill.
71x• wix!rnG,xt prtxraxl rnralx'snithu I tlla! a,rc'tsilett ofddis f) the 4:141
AgAviriatl i'fittscrefix it 0hat F-isi ql 5 tier rill this I Il'.I 11x. n!ilt.
Privacy
44r:hri![ 14x1 ha,ISlc!s ;1w iriliatu iitusu,n It :o tha F F(Rgncnxth fin:
clnrnil lr, :Ix A txtmul i:zi cR f m ; IbliCi I •r cf al: h aas ,lcil to
titu?,gtt:x'ran;terurinxri?n:l?.l>n:sst;::nl !o it'xuur!'rn::rrl',:li:•:.
n:!lirx:. plea aisr anxrn.sxgtr'o.(,rn.
Now to Contact Us
If far air n? t xt ,.r , ru cunlw a5 !'.fxxu the l n ,r :IL almil lour
Icrhrr;rfirt ri flx' higra:n , vehoat lifisi doors ,U ing 111 - I• f I''@11111,
a9n.: or cat us .is Ii:I
,rklti'.ctAmericinIspna:TrltilRditllSm-inst,umJ un.Inc I•:xpnss
1 ;nh Otereiiii Prl lim AL i rra>;Itx!z NC ). I ri
I1kTdnxx: 1-i?7(F f lSl, 4 At.'.R I n,lrs a d;r', scaul dots a wo:k
in Case of Errors or Questions About Your Transactions
1iYili: or all t5al di: nu!rixr rr liJIl eitim atu4r as Rhin its ton mi if
loo tlunk 11x1 slaNmx:inl nr raripl is w o tg fx tf you tx:d Hilt
inflrnatarlil'iatr:•reAxq:lntcs! till lax:rstaxeKint or r(atipt.lt;lutaa
l.rar flino iia no F:F%.han 4Ida41,11111 w t Tt You the PRtSI' lilterunt
nituftidlfix'pruSle^nor a rxx.nired
I. 'It{I its xxrr rramx: ariC Card Acm• tint ntnnkr.
L. 14x nJs ixemx or fie wris.11ton 1.1x! art u!IStm ;brut, anti C, ell as
ill.
dradr ,s •w r Ir t !v vvti `x•I1vr it is apt crmr !r wft, ir;u IlciA nvm•
I trlnrT? FY.•.
i t;.l its Ilx,l,Ifl a ann:u!I of the aryxrt-J amt
4-
V13 670650 7/19/03 5:02 PM Page 4
f..:uivl.hndl_tcl'nrnl tl.m lcrllvr.i.I, c:n nnpEl!I:1at
hc.l illn,ttil ..! I t.I (., rln: III(, I II( r" In tiirl"Xi S
i ". it lull }ow.": xsnic; lit ill a rI cuil„:It 1'.n aitil..:J1:1.I irss Ln,` afl.l
tr111:r rove m el 'I pwtillfk. If t, .,rt:l fit:-r,
li ur hntr:f. :.n tdl' I:.:`t, (:IknJ .rdr', .I iuit?lr
:q Loil or : r !: rr +auL Ll tr:!'. ', 111 ?;.tL ,h. Lonrh:r'x
VsT1mn 1 1.I ..I ;ss'I, blr l'u rnoun!trm
1 n s l:.:r lily 1 !o! 1(:1 di !:. r: , 411)". l'it' gilt( liole
it Turin:lil, Iir? :f t f trill.. ,u .:I•utl:kll
!l ...:e. i t ! .nl:?.I II :. .: n:'ri:(! ttlli: In ht l (sti dl: 4'
I II „c.r ou r+I!lir;!Iio;I :•t•ills'u 1.lipyourI:Ink^.1;u1`.
6 HS 11:.ln!n!I,r!: [lit ta.ld r:.,bud!:' :. ilioli
lhl ,t.
u! ,:run! I. I:••I : ct dtdl debil , , n; ,,cl Inc): t,.t
t 1.1 7r ..-'!I n:.rJ,1v>II rm;'hU:ourm ? ?:dinn la•Ir.?,ithera's'
I'I!yn11TY1 '' I:I\1'
Ifruli`i;niunc !I enrris lvrdlidsvilhlr:;tc'lh:rcl:!r(iarsaflerwurkik
t xLl l7i i. In,`tl 11 'still I'!t, .:. ).;IIVL....(hill ;u'Jlitilh T. ). '•lllll:l-:^
I L:?{•t!;r! I. .l Jnl::in`(:nu:€an.uT.r :I ir17 C5 !!(1)mT!!21;: Ihi
inssli„xlir!n.
t t .i. II Ltat II:, .::"I'. I ; cJ 1, r::n II. I,1.. :! 4: rltl('n
}t in il '..c;Il:hin(.:l..:a:!!:lt,tills fill ::•4dtloll
:nlrFUr'ny! al i alllpl tiff(:)I,ut!II (,snu1 f!:d(xulrxrbdIAi1v
mi i i . n,lr it tr l nl!. It . t :.fit is.•, die 1r'r'h':.I n I T,,:!k
An: I 'l:p'i'ig it tt:;:i( i! I. ,JI!I til,xiiil i lhoc 'i, no f:", it%
11 uclih +'u I! c I.: n:t h h x;':il! u. l(.:.. 8xii (.;.-!. !-
h am nr:!I: , h. u.ti. l:.l :, I?.:In.ll.: Ir:.. [ll!I tclr li..ni e:':rarr
1!. Hill !dot. ilpl: r'.'• filn!I•i
h l,.:,.cl l t.. nir L:, a cn:l o f lAlix1IN a:nllillfrrot
\! II .:.?:I:I L.. ..e Mils. „t:l i-no I;I 1,, If I1Il': N."i:nll
ferminatinn
n r, I n n' :. I s I Ill'. l"ii II I I ill Il>}r -n lour
6II:jn1(:uu un.,lheli!,I,..:n ll' I.ISr)I rali .)I loll, fl--
or, ., ic(il .:' •.n} I!.nl l:'. + :! .nil nohf l In i•t! bI-L':u na'ul. In
,3.. 1I, i€v.:,llll1 t T{; 111111 a+ I Ifin
u r .; Ic, ,n i.au, rr the l u r l ?n :t'i! IV r:; ill l iftl! 'r sla!IVIXIOl if
uc ('ar(t':.^cw;ni is I.:ur;^Ihs!.tr suspl'nd,il. if ro!!: arcl:! Ihv Anillrrirtl w
n ea I.Iru.ln 1 .!. drali till to ;,xi Wilk."Woxi tAr
ulu„+as
T:it h.l:it +t'ndi I: i`aillx,n,.Je,.ltcr•ountikr.
ICC:A:!:!inns!! id(r Ihi_ Plyp:lni is cb,' dInt il!xlr; ?;:;!I tr:u'slx'Iinns b•.:nor
n -woo if , :: I ar:,ip'a! li n1 fl' 'ii<!:n' ! mot for l8cliimnlit;:
nlult..;;nl .,11fii,r lNuIIlt l., v, 1:;o ill gctn! s!':Il;ling.
I f:,,l i.' - f, .u:!; ..;tile: - -u I:s,. , I P'llocip:lit:!:I gx-,
I n ll: 1. i s me !, n:.i? t l:.I v t,irnt. t. o fol. l IV., .ibiiil'r.
I I .:die 1, Ill II h so, tci 11 w Id ;ill 1 irI tiro.! la %l: alt :u;:
X1.! :1.x•a :Ill!,] 11; 11 ICd11l NN IN i; fc I. It I I d i I it I kill
..0 Il. L_I:iI:!7 I tl 1.1 I :;:OC: r ,LS7(Il:xl. I -11 If ill, m flit, v,k•
i?.nuco.•ril 1 II L•.:`.e:r:.t..l:ul :Il!fll a '.!ur+'li.'.>'€hF.9'rl
pi i:a!*k• la,. : lu. hr':m !.: '.lily party ! .h r. is !hc Prilt,c of Ili;!
ntu. luctl. lh!!;1.11. ,1 Wead,!n...llia!h t?tifiollAPhis
IT nti n!,=. !i!Ini-I L)11'1 l(lI'?Gltrl?ti ..
Pricer Agrcem(:nts and Assignments
hn 'Tr nrn Irlr?n it li1'IU sn hi At ll?
1 IIil, In ihel yin '.^t de!I till' Ill a
,; I :n ,dl.li i,c .an,p.,n, a..! un€c.
11e.L.:SEW, I1.r..
f f: ill \:,Ftt 1 `?'delll. (:IL l lt:r r: l'7l It:IN'i' :III; t; .+lY'f
Note for Massachusetts Residents
Geneiral Disclosure Statement km d:euru_ n r: n:; la?i?!,kt1 io trlt
ill( It n:..:, a:'(S dial i'l:'ltt Il t.:1h I!:1 uI ,...-aA. Shall lit,
I 'tit, ;,li .dsr.,1h,i.iL']nllsl,!t(.l:i_till; ill 1Uxiei:nxf
li1:n soil: ir.:!151a'tv;!.i!na(h:
niY,i,nilnl n !. ll._It,utJ,nruicLllk I..lsf(rshnnt:nnrItkilk
Accoloo ill, e c iA z othe u• st frlAi(W :n ills I ;clew ri ::t..ln !;
font ,t :nil Li.T Ll.sr; },L nn.l 1!ic ill sIcr
1 ., FSl..ll!'Ktc SL I Okll!I t Iill
51.I !,,I) , i 11, 1.1,}I\IC FIAIkiRANS1.1:16 IiL-It!.lthd; YOU
•! 10I1)`,!Iifall €ft.U a711Of1CACCESs'F€R11TCII';S!Solz
..6 ith,,l;.:.S.(I';R ?kll)I!hD'!'1!:I ti(: k'li1.F0!FII.ATu
Ill Pay "'.111, !'
Disclosnrc of Account Tnlorination to Thin) Partits. 11' coal gilt= i
u:! miliv.la: I uv;?fil a l :morns ;c!u ilxn:t:vn.;uITt,;iI
1 n nn: ur fo; awb,tions 111 I :n. make to m - .cl'oll. trti IJhUn'/.:1ti(9t
nU 11:mat Jleell .511 d .t"1 (il1.
Opitonal Limit on Obtaining (faslt 1.1 I fit nc 0 'lie 1 fu IN u_
01fit Ilanthe llll Iill ,ct f D!1I l'ttilIlls h 1Art61.a
k Ji c,11. 'I I tl jaci l.:.s If. 10,11 ii I. l !:i all l::c o l litk•,nl, is
C 1. III -oh will It+l1 :51
For Your Safety When Using an ATM, Please. Observe the
Following:
IIr t nu I uclrhi.'!t( 11 Ildilli. I v n 1I-.1 ntlfk! I'
fir-uuin, .t,l II,•:,,:h ,.I . L,i.nn I n..ll':r.lLl: n: 0;c]
'I :s.-..Ile !ut:; an1.I'len'ul„tlx x'(::q .sorcilnolI-;i.thontd:r-aR
.'ll a '•r 1•I:!t-i ]lr.. ::iu In :.t<.. r.;:l I: dtLt; is cuo'nrl
1-
Flillsillxh'aun+r_dIill ;avaepLlaIli kn,Iq.!,i!Igali;gfrr :`K73111Ile
ac!!; n(c: !ru! »t:n(ii! ;. !f tr• ` x:!i,t+. t:l.l :!a IK:r:€ xatclns!n
fn!I:ntttt .uxtt}i.::rt„IV11Ln,ih::r ,•t It. I'tT•11 -.tltil kil::n_-! If
Illlill!n'I I'n rH!1('ar tl,•. (.•t!rl ;}):Sl uile•kor!'ll\
:?l.udt t an,.nr: dv_In t:unLrr .x. r, ill, :-.., <I 9i' .. .
C,:IUpi ill. ':.rcrnin :Llnlg;ixi n!0iiE,pii, lor_xi!xislnn!Idln•
J:.t: "u r. ! iII!:tit list :, older `!Fit ! € ::; i\ Ia:1' i:$
hi;l!lill( n..:;.='Ir '1 If fix I,kAl is Fclx
'n ; !3r. ;NA' 0r as m. ld""I ins 1, 1
'11,r tlii a'I:Itttails"Nil) : ,:.=,L. :i 4 it, -N, fl ..lac
I'll r- Plan 11,% P:rrroc II(r..\ Pt_ty
Description of Coverage
Holes the Purchase Protection Phan 14i)rl s. F it(it an Allniirall
Z:.xf l C:i*lct l:rc':t:!r;sacraltdpurch:xnilF!Iiscr1, 'All
i'tad!.li I' lnn Plan )II 1, ISthit lllati fe+'jk1d j3 foul
[tic (!arc: of plans se if it k stok.n or
:I(riJeniallr da:u€1;,cY1, ir. t'rlillg
c,lndnlit!n. 11R,"I'l I:Y iis :innb„11.14'ffin) leer(Wwroicc. up 91$$ilix)
1u1:;a.nl!rvarlar lUl In Ike o!ic l ?l,.f .1 J I: in ixi. %, of otl; r slims
of rule^.rrih:
How Yen Benefit
!cnr ,f!x•IS(.Id!'i lr tt pl.rdre( u,u,k ai;l flml?oll:ire
ntI -! n I oi: ,li`sl:l nuns;
€:, 1(rNa :h,C'11n 1111(1 ni:l .,11:-: yi 0:o5 hill it::'; Intl is,
-uulhNt I pirtio A!'IiprlllVir:aa,!rrtllnIn
with 1 .! L.,..l?rotu.l! 'n : !II I t I: tllr,+ I fit II- „!: fail
dc: p'll l ;ot i:r it
All, lu .Ilk 11.1 In Ifitp.rtit((t -'1 lie till tl!j ql fxs
• !httn::n A'n.`rn Ito.lr_tl:dd: IL(. ;.t,:!il. ...k.,.n.
I? ill- ).:a. Ili 1.w:d: I,In% .,; I Plot.rilta.: At:,otI'll Ili
xtiic; r
ae I -p: -„ ,.,L;l, IS.:!an dXid 4•hdhtr In I dtt !!X' :c:u nli iif(J
• or €i trial:!, or Io+c ! I IM1C :ou is l l % or : xlit'I np to'rc;l.!ra ;t
chat lInit l;Call,and nu! It]c%ltheurigia;dpultit"mllrnF:'Ille
Pur.'l ilk, nxa'in 111:111 dcm n t o l n1 u!v: for:,luiiiiiiii ata hurdling
kisiallalion. :tsXIIlW(toffer
h:rcL r s
Who is Covered
an o 1 d tIfT Ihls I l 1 i :Ind crn ig, t 1. s e11if1tc: is kung a
toil lln 1 7 la:nl t 1 ten:v,, rh.n , tL+. nan_n , t fgxiaC,tnth:a
1wil .ulsi it] ro r m n c.:nvl toil niaii!;fir: rnrr!'rr:.n:uranl vrkrax h:
the in (Ali,! ?,,1(_: of sjw:u! :., ,I s :;!snlrl of!;1lunitua 'kink, Ftrr, or-ilk
i' ? krrr.,m Iaan(i-'
':n1rf'!-n]'. r iilri.:i '>usi;br.d"n:rIli!1, :(hrlitrg.
Key Terms to Know
• I'crchl "'Ill 1101 Illi I If I f J l r ,I atir t ,n (bi Is
I:I,nI,tin;. a+..!11. J.,,rfa.:dll I!n;ir•.r!tarc.,ut,!axid:n:
.n: rrl,.tl:r,tu'ISrnp'.Hfnr.n.hiintu'
:unit ]111iscrldl -.'
1LII 11- p k. f•I t i if ill I hts l l s i i r I' t:tl ,f c 94'.
+l nod J.LUa,;., I r: lu., . ,. tl a n,, I {1..7 .Cmw is is #T;rl b
!lo if fo , ; ouol t n' I('!'I;t .,I.x I IT:!(•fll?Il I1 !: t. Njilm €rL'r it
ka11 I ! ?:,, ?.lucrk n I' L>; dtcrtic It'4' qt±s. on nul slFon:Ix?zl,is.
u:dlLauu dlC'--h.
v,.}y ,.:xla the Put tse I nit: i,U ! 111111 is 1A I N t':r> nte'llh olat
il, al IN 1¢n e of (kru!l l:cr, yr=u Late other rd!d at J xolkir+
hSoll-Ta Pr ilakntni!: -suchtis till not hin!!c'd luhorxm 'xYi(k
miller's i!ruraucti -- lhc; Fuil rlol:curio Phu: ai!I c xcr 11 !t antoantl
fill onto-xl h; Such oiler lssunntr. fir uldun:':i1np it, ilk' limit:Ill the
Itlr;''hw- Prot(Ciiln Pint.
NollkI ni.alll. (hsY III:S 7I1.llil-, . i.,:lr!II .TII!I l llas Irk-(:
Coll 1rW;,1 pnrgrGolls 5:111 l1' Jnlil('!mTl I-I-ol i!ic arigiita) o.t of Ihr i1 !n.
Purchases Not Covered
• u:!teI :c':nf. ucrrl'tf.la, t•ina necWi'l!, it::name!.] !s: it '. Jf:
mrlifcu(x: slP calls u_t.;d,r nt1,t„I. a(•:pu;aEC!t!
;dllllnal:i For Eft!ire id'inh
it:!riu,na k n !:Iish•Ihh i!cnizai'h (inu;n lilt clans is' c'I !s, b.z .i
• Ira!ktil t lair+o '. I ? I . x:n1 risi;
i g., unit of port 0: s:, rs+!, l,h: Ill ! uliishcd. or
• m!n:;nntaGnmd items'
• if tlx ',.n..,yx 1 .I s, till Ccnl an ias of .rtitks 1 a p:lo (493. a crago
;rill'.: h 1 t;Yl ra np ntnre!:ra the t h i ol'!ny partirularpad rr purls,
un .caU(hsan Ilia:ideindnilu,!l+:,n,lcllstixteAn't
i:nh:i:hmll;,lt,;anl6 (I.tu'{u.i;Itl(ztlltcni(k(sint.nF:;nr!lad
u lrrt ( 4a xi or a)l!::!i:m;
• x!ut:lx ! ncus'in;ld i (v busoi -<h hlnw inci:!dlr;!. bu: r_nt follf,11
ct'lr.il:g; Orxning aluV(tr tt!e
• hI sn si r outs, ilrlu'i Ih ! ! uo! Ii1r°.1 `u II (o!YJ€Ik x
r:r' Fi. I'll'.R
't L• a xr. rl d lo 4c.11 : d I ko, l q l p. t •u! ld k-t h:cs,
fir. AlI 'e rc(ine
.uliytu I s _.nl; rnt t ! 0 cot.;
• R.t:nlc l t n l . xYl hx ri I(. I of::xion.d. ,.)I mni e!ri-.d o' k-1
• iuitr. etiil uodcr in: dune o hillin;, Ic:<nzlt M: parit:r Tl lAiln
Ani_dru! L?.!nt'fs `der ln!I!di?: Sv,. let.<i.
• nultor:rtd t hides a• Its?Icn al!. aIn ntl :::I nxatln•tck„Ir l?nir
nv.+.Fa? pl .ten!.;. r .n:na?ol:;.c, -
• r;.n!s,.tlx!.L,c..a,rlaLilA+4lfnrrlill':.I;.'ail!In't:k!nv>mrhic
Occurrences Not Covered
• ikons Ir,U fir mnpla;lal:
• u lrls>gkii fmm ni,mry hirks;
• 11.('Ins Im mist,41371V tii(W-1;trililil R,t+: nil(ftweli:[ntp!t', 141k11+-..i1 fir
unath:tnk:l ik It : iF,.,kit for 11%:Itllf !;+:ihlk? ui!I !x,t ae arF;rcl};
• IIe116 DtnkiS fra11 . a?::krt.'trt! r.€rrkYl is b;ntd wtrkr ?TUV p(rsrtt:al
stt,xr:ISinr Ir ura?r I?`4's(?pt:riisiun of a try;:'hn,ar:tyxt€tt-:rt krrr.:r
• lu fits th:a 1Yn: (l:un,"? g:n+Ititt all r•nern (iln:helini; mlttne train;.
a. Il `tNulgi;
• ri lit] f !riloA AIR to Myatt.:d ata:md tzar. ml'tre:u an :runt deft l
Wir:u d oii of :r; tsl ch j& hen ilot li waled to, gr,
alxl krillii Irtih.l:
• (VUft r.s e a t b, al-5 r)f tftc1011mille fraud, htt!4!; nala ll thin] r
inchililiug,!st.t:nt iunrksl lo. fill laril t€:lee lunt.Klr, rn harrk:nte
S:ar a rstilif cs of mtr lei:td (c g.. inV;6Mr nOh-0 llil; inlalrivai:ti;
atntnatiln F: ntkr r1 al.i pnemnitltl }ludic A€nll of ilssform
c, 1; rislsrt. tLiltrahill, xL itI l Ic€isitF or:l:,s: radkccahe
• item` kA. dam!g d. x stohit under 'Ircar akl crnlUul (lit lull party
ill' C'Noul Cirri
• ntaililf:ill l lr(T\ ddrils;
• i!ol t::n€nvorr.p€til(ousinvlirxltik!.
How to Fife a Claim
It :m :n xr. To it m= iivi nrrr )mx;fwlig of yylor iairl fist r xif In aped
,it [Nit rr tlao l iratil `!akd-' k flea og OR JA! cif file uta;rr.;€a?.
oldI lax„fol ififRuch:M1 l'J!t'.m(;Irl Bemis rahr,I"-.laslk,
TI ill ? r rtmilas alai tvtrd;n] sc,l :r t fif rretim#} until flrrdxim
p I::_sI c rAii,
(dl rill l I-IX "22. i .': a mod 1d }Irn I l u i , n,: a ._.: Ji of Its t ;it
.I,It, „i tel.
NIIrI.. %:tt r: k?f lrl•YIli I'Irrt'c'r'llir;<:'%%i!17 ?l/rYl::%,'t. l ,Yltlri ?';?
1 ! T 7rr.
! to n€ iy :x• Sri! a Izlai:;lsr 1'na! riknt tl.am Farm which ,still Ill
nl I It, frr•tI nn! fur vg,:, and ,t!im to lx dui ns, 4xr ht h Ex
toll i'i ,g n.;l lnrl r4c:l€rYTt (keeii Lillis lot tmu r,•sn r_-mrds):
• !In Acticinn m EKtlichan e iil
IR- Insurance dudwAikn kralts fur -your ostler 5oum rf irlsur:ultc or
• fi df-ra , tM. honr'r;ail or reollinsl it lix-ill'
• a l oini ..l t of : rWfr rqu(ir roirn!k for f:; d njX- 1 ikm i.l:lm;trz
d:bran l ant
+ Ir, [tuft awl :amblfan c)"irlc,'I nir ? irgal the sitlnt or
t-nrakJ-cil !Gems aria] ix filed :stilt I.x :q;tnr>riu? ar€Ihrxil; Cairn;
'1UI CAI v file a claim trig] d!e I'ludlime P€rittri nt :'lay
Note: lrir. nttrti rt'!!rr:t taxer wiy!, foiaJ`d,7i r fern mx/)ty/ithn,/
iP' lu"r W-1, xalbllt 60 ikn',r lrir fiv.,Cle r+ftktzcr:Ta T to rrnrlkl
.i 111 v-, IP.-ira:n:4.nil:e vratllJLN_xk:viiii ilertoIixolthekn)reirr'til
In' lei larl. rn'to ri:nhtlrc -rtti (-al wm%ht`t up lodiearttr.nol
{::al iL'r, Ilr.';anl. atpl ]tillw Yu I:Ix origirdpinchat prim. I'le
Ihlydt:tA• ihTAMast flan rko ! Ire n•mtiwrc° k'x shii>rlin; •uul ! nnd!i: ;;
larisiflb illy:r'dauat:5tr*.n:tl+'.rn:>L!vxv_nz>:d]angs
Nile.;V7 tramad mdr he nw,k- fiir intrifid &#,. , aron im,
c1 r nn ii,4 ::Want &A_ I hi? a m,nuxrrey'tlimlbriie i*a7tlT'i:
t l (buiage.rd-ii r]r,,-,aims:strs2(Frrmlktsra)di[11hecbnrxl]I.7its!,
.I, lld; t+.ptti%-IFur`.,nhxti-Itc!tktrl Irftnirclain.
Note. lfriNnewl ty". Jrrf rnrrsl uwl:r aiv rfup w, t Am r 'fu'r:n 30
di: Js f,-t:Tr. Nx rkrhr c{, unir,;/!n rrmrrnl (aiiiildt,krr crlrc+;r r
Important Additional linfonnation for You
111(: ;xrx'(its pmrilkld uni r lltc Pcuchase Protection Plan apph'
to ro!€. rpolnu :race ails' k-,al Ur (Yluitabk• righr., n•!rrcrl;', rxl:laim to
ICAECIlkT` lrt(lxxti a!tfC/!N;la!n_Lrs :rekrc (u arisin• fmm till
!hircha ' Prokrtitn i'lin. -
:kll r(`.csfft]fll(• aNl linklirat skjts nnN:t Irk;] 4 air id fir less any
diance!If "t"t,' ware(! h• ttc Ptt:nhxit: Proultkul !'lin k-iogsUde t or
:I:cnalr+l.
4 n,hxh!h NN,;Irekllm!kr-1 '>rni Pmrrltntl'r.l!n.
Imun=r la:r_T is suir' „'at d. m tin! earn„ 4,10a p,nnt(:nt, k, all our diyt:i
a:nlnnkYlicz ik_]airy]isrtasihlc!styvt`:.m(air Wfilk4.tttllmtlsl
pr) l(.nr,=as(;€€ t<zmwtaxe n ludins(s!rriugdomn::;nLvf,mrssan",
!n hu:i; sus: m Vor,
:!:mrct.
"11' hl'd iwe'ndcttirnltn(iSarrkit'.ltflnih giiFS4suruta't:xunpanv
i"lltsun•I'l. lyknuu..ratiti• i:Mtkr Gr+Yrl Cay, kFiswlrsin.'ilta Jremma!t
sir is o!.!:'as;,:?rRr`,s1n (7(;ata:..ge alld is r€el a!dk?' crarlir.:ct Itf
n: let ti., .°x: srEU:=.I I(:nttc tnmlihntn arld ?YChesknts rrl li:>!ky AXINi!
("Folk's j sxrm'ix Purists: ihntrit xn Pia The, Policy has Ill iss€iil
to American F_:rwtss'rr,! of kdAtJ' nitti Cnnparrr, loc. (":.Amef n
l I r the I A-liholi This doctoiRni replaces Alrmskng pilicr
'kx npuas rf i.iln: w: fry tilt Wllrlu(a: ltrtlrcY:ir,;l fiat*.
l
.r
Kulllohl- Oa! . Prsklstr Iorl Jkrhan, 5ccil r
.k9!l:X,Iisllrnnn:Crunlxlm ViE.XAsu:rance=Cinipa!n
671.1 i-01
crtli'ks•(t,Weand omilsla,fl).t;rn,l(rxi/:1,'rrTi d'
ll:i:tinny, fla'lay mrrtrlln-w1 lnun= rrlw ;irnrn;ixe.+r:l
lll;ia:i; Ttrlr?t, rh nfor;t4•mi,Y'rt5:j, 1{,•rrrrn6 fnTar,na
rr i'nr(Ila~,=r Qrhjn2lfP.
i
v13 670650 7/19/03 5:02 PM Page 5
!! ?z!r con 1 t +!! •!hei • '; lCt+
-! .'r! rl tl;,'..! 1la 1±riubv, i%hll' .....:;A -Irpr,•r!
ul ':r ! Lr?1. !lit.: fir. rr.I t lr- i i ltrl r(.ilrrC,•.
r l?h,.ru:r![rrrrl,,,I;nr.x'i1,.r.1.;,1,r'r,,tr.o
r..1,,. .rail;! ritl!,I;Iev,err1!i;e,!s•,:irrd,!.ca r«kI
Ird!•eell 1A pirv tell; p, :,h IrY hTi .1/ In .!,_Yiemplionill a
fin,:"Jil, 'aerr,l+P (Il? il"'k-tor? i [[1 !;:rrtr( ,r1 ii (i!r'
r1r!r i. l 1!tq,rjyaill,o!r(+1.ulnN.:,,:d4'n1'fa'.
n-t;,hw .rfilliir,;.,,.rrrnrJ,i,,,, l r.,:e+l'•l 'eurt!zd
J' •rn,? I 1 .! fh i,^Rr'irr "?, pr•.! ! Yt-:nL i.!t r 7iClJli
.r r,,lir fx rc l ?x+!r I ? r,,.?c !"c,l n,r lrIp i,rr gtt rr,li nn
?. 1'li:l lr b."I it .1 ,lr ', a 1 Ili l,.,;, I.; I "I
:(1l,:(.r?!?•. ,t1.1 ,, ir'lll. 'f, T. r. , la!i 7nl!('r,
it I1 frl
I t ' h4 ,r :.n,' r t,'• i„ . 1 ..j . ,:r•1+h1)u.,rr?,.,.
d4l,',' ai..'Y.!lai ,; r('S! .!/. ,: Lx'1. iLC•)1, ,!
! e r . .r t !r ,i 1 % ,n l ,•
T'[i> L;rrYeti w Assutw,,ciE Pi-AN
Desrrsj)tirit r ,uerty(.
Hn,1•Ili, iIu)cr,.A.ssinaecePlaaWell h, Fhr.a:',u.l .i).xs
col ?sl ill J . l.,l trXI., u' l l.r ,: h,:r , , Au. rr
Ihll Lcl,' n•I.r'..11 _.: rlJ:et,nn:rflbi.vr.;;:-;al
m nl,;r:'u.r.1 tL I61 . ,:i ,„pima Leu,l!'nthe ttiatc'.1i „le
u 1. drr:;nll tcltr'sr:.Nr t.,nn ;:1J,!i,nar::: ( \:Ir'aru 64
.
1 t diI. l ill the ES
How You Berwilit
f :.- litacr +a:,'r:uxx I'h- n m rcHS maul I s Lvu, :: a.t!ic Ira
r s! :I ill a:: )u1tL:.;r-. col it, I All : ni I t::in! ,ar.l 0..I. to ouc
ulll:,a1 rdr.
t u•rvcnu '.' :dp.,dt.,.'s.TrIU:L;IUun:nl?tam!s(-pnt•tificliir.::r's
m is cr 1111 l ter: 1rf:c I te D::firs 1 .. l o: IIII
Lem I Iu'Idurd .In t. C; v' ol'ruaal., u! ::hl r; nr1 r xt
s(., I,l'l,( t1,.';IC+KII
Irl -IUf1I t.l:utt-.[:IJtlr.
I;: I 1 d. ", :' II r .n.!11 ula..t lFf ;I r(.-It [
I, 1 Ol. .1:.
n il_Ir.;11t.1„r:'..Llu:•I•':'llh:!?rC.and,ill:unl;yi'nrxlolil lijtor::ill
Ill-* \ehrit .:r,.l,iwliulint ':litindr u;.l.i,:aor'orern!tura:ru
I:':,h r(ledil),c::l")rsutsUheomina!putrhase,aria".I'N!;u;e:r`s
[, u,.:'IieI IIl J, nnl n'1 ll-use for zhq, I„,rill ra, lhn!,r :pins tnr
.I'.: 1!I.L:O' l?il J1I;; r'n;i}F)I/;da(I,i(:, n..ut.en:ux:c . (.1h,l Unix
dl':urrs.' .
he ra the Iuu a I pl),: i+ [1n isss of ;utieles a' a plli n n; I'a4o
i II hrIkdokfu'on liemill lh.p;Nrc+srt'thrcf.!„m'Ihr.,.,JSof
lin !:;!rq;:'IClt:l'
-) tlTx::llit rv ?iK!t:lll!r71r' el'I'rdh'rr II is it'll:•lli:l (Or TO, Yn(•Iirl
11nd; rs. l I lu ..; utrh xvrl far nlh'.a•.
Who is Covered
111.::-..us l'II. ad ;t1,:' `ru;i 'L;Ii.'Iiw slang 1,
:.r nJ; t. , vl . Il C'miIi, mitt
-ii Felt i? Ili(- .n 'i
:r;;G I n::'. C:Ird has
, I '...,r1 b: ).I . ? eau .s;Inu tad 1:,:. nr:inlai?t :our I Hu.:u r:I
)f.,nle -1. th(
I u Rho o hhu!'h
You, o-1,111 t L.. _ Jt, is - 1 6 ai ya Ill . 1 ,'Iw?!nl;,• ?L'f',
Ii Terms to Know
sval pill, h i lillf rj;l 1( c d0cltlr:r - ,: Ih ('L f
(bullfilnl•,. I r.fhedzil( I nUldbedd..ipnvcnt, 1 N110[,dIhIe
cLC11l'God li.:..ctis nl•.Irlfn .lone, q t I'brllnI ck(o ill trur
(t I4aanr C1llodlul
),I: n11i.lr1. PI III rdl and sIrsl coll1,114(fIIL :Tells)
C [nlrlit r. III n file l it Jf tt 'rl.drrf rl :fits a Ierthe
h. ties>:? nip.:LI:.R(n ;Ilx,',)k:.i,ill;otirArtalrl )Npr,s
cll:ogertc)4pt,.all,;inai ateP.,ft ls, .Iigto:aormuf:tch;rrli
\l II,1:1(1;'1. f!I)I I( r.i It.ll!, T-Imll:
II':al:jnlrcr.rc Ti %-J:lI'!: itserlictua i:JIr,aU$xrl' m ,; ',,\itiI
I h II :: u b s nc?neTy (In i,?lt• tculu I I ur•r's A.surlarr I'LuI,
I :' 1: azn 1 pu r!r, fn ttk,l b, Ix h lh ni(iaal . ,I ,.f:4.I.ltrs
o-'1 I"1):), :e J :' II m -,,. 171 x -,c.1t1 ,; :! ? nai cza- l R,, T( n.
!ltPt' liens 1 'd; Ill krf!hl,I:vr; vlerntPhm
I ,si I"inr•t '.'I:n -II t?CH:d Ih s'annin•liana l'I I!rxl:Inrl
Yrrr );r r1. ,Illr1G}: L. Lnarufndu r- i.1'ann •g root.
I h;?.:a!•ru 1il,r:Nh.,:ur.ul,d:.n :Lk1L...,:,';n1- ,..d'Ix1
! I ::BC+I, 1u,lonlradzi;m,ra:ilt,l 11.hipwiur,mrinimha8:a)
I rI:nl III' it Iarh's,fuln9n rr1r.-map
` III'l:lixs RI .I:InYWSA:umm li In it g:'h.:Ian IIIC
k (Ica rl.In iC t surd. If tiie .wthil l c :, , r, thl <nr I ai
ad:La;:,urcf. and the ptach"d suer.: ron:.,c: eawls f.rc
fulsi ; ll en the nrodixt pioduscil is aut eligihk (n !( file lluwr's
uI :aPlm i, 1numul?*'apph(s
If n (nly ^n ,I l.k(rinal ?CI rrr Letltiatrl fir II exfc tcle l storm l:v in,
)nlpulu,, c ijzr u) Iill 1a or t)?. I! i i Ar idv cot ifa t.ita al;
n:IIC, m r:ufatumrsa r,Irt: ntk,srhhculvlnri;llnn:;k;l
h: m 1 I I nu .I::I ire Ih ri
ll rtl l of I(h;na sXlt r.igc under '1.:.
as:l n(,'la; d:xs.nt l-c
Products Not Covered
• ;)oxI icts lot ill 1110 1 x.
• a! th( inx rfpnr i .nl, l t5!, ra_:ilr _furht.:.::,1 unt,m,. rtf..aau{ iicm::
rnul t t t7 mlh; I cnclin'lill,,, .-I. t rsiar(ii:n;;1:u":N(r
• ?n,,t(ur.(l ,.:irls(lH1 ;elCar" trlds,irNN?rend!", :„ngrkas)
and •:n f,:as, stiloEc` to high risk, ro 1 hu .l !r mar rxl i('ir, or
ntilrls -I l!aIrNK (i xhidiogba.; ris.. nh.:.aoi hosts.
:1isrn hr lk s f!r us or mu l rsi
• m(liolial k,u_Sanl L,,.:n'susl-ilIi):dgricu I t xuw:lla•ig
[Iilnnllllnn r-; mnclri'cwn.
i11iY, H I T 1 1.all eittl :!idr t411?\,l ;IC.t :IL• i:_ ml ,it.,kh, t: of
Ry.!: ii ntsidcnt'rfnrcarilim;da uil(li g':
%an'1 '.?' If.hnts. i.'rludr;'Y i m r.1N li.n l tl'o. m' em lait-I::a.
I?fl'I' Izt:HS.'. 1'•111 Iti:
Lid 1 hlllldi q> .
[ mil (llar!n kilo
111i)ds Ih1 olnt
• nor t. hill .)r1.IxLvhi,h..amoLh:u•dar;d:
+ itcnlspi.nh.vsllr,nnakr,prof i .rd. r nn':xtrial
lss•:
• Nil II unlu n• Ihnan hdh }, c 7 i l ,,: pI 01;v' i llrr?-I
:ld
.1nr: rh .uanul ,.!.r %U .1L. ,). c(:.•t iL I ola.iLlb( IC,.r'>
nl t PL.. :iPIT111 l ti, l r :1" ",LS oll fi1(i f( n$
Occurrences Not Covered
• silo' his ! incl(rlk, d:t 'I ti :.1 dill'i nn.!: 4 nat'.,cll
Ilial.I J,.!;neErurt.s.,up!WI:nr4tatt).ur,r:iLklnr:r
q'a"fl III VFCI$:J:;In:!'v":
• (kc. '.el ill, (, SXII.,li:iiol the k!lrrrirrra(Id-r1bJA•:,illol'
Ir)>ail rankirtiis.illcioil.rehi-ILo't.
'nof'v I,li. n : nr(Irr (t 1 s;oanar: nt.11uhle: aulhn•it,, r css!lm,s
of(i' k m k (.f on tin uN' flkzll . clilite or acts' milli, m[aive
curarmin:uiitn: .
• m(r I f iltm r I il I I(r Ili- I. Iu l
• ,dl ix Ir 'es lh'al 6kplx., tm.tk (`..;ors An rrr !'•r;
,),rane!(fl(sti:" rrW .
How to file a Claim
d('n.:n!til Tn nl'A ury>nt 111`1O.lur raIMMUli Id ill-It
Inr g!fK pa._..drtl Mill !l( .1 Role-o 't ,1e,. :r,_1 I xvl c r ...n.:-n;r
Inxth - ,9tin:d.;1r '.L..._': t':. :'aI JI- ntl n:r nir
p a u Il n d .11 rt s h n;:k ( ':(u .oar list. IV
rf. :s fit -
II: I 1_kY1-,;))v!inn!Nr 1snl:our,hl.n,r,:fir t. ;R
ca!I' I ? r eSj
r..:.•,lltw/ to ,:d It !! ;q,d. ,I er!!n'lu!-•v%
!)r (angmin admix l!::hl -,Vill:Jecif' Ililelh( 'o l , a..1r_ i e.-o I7l:,ilcd
ornilkiwinrlr. tntbum-aIll(ah orciuk)uptoheanlnart
chap; ;1 u, 11) tart and nil,, if) e.a :l Ilk )Iigil)td purchase l,ricl. lfie
l:ulirs k uralxr 11hin (!as not ru;nttru lorS ilpill a!I;I I idler;
eslxm4dor injali:rl,l. 17 M.v'lehl..:rr'they vnicccharlw•c.'
Note: !:l) IA rt'llirnt I; 1l le nh ti l(:jr:•" bleidl(1 ci"'In, or chrh s I?ll..
, •Mail "Ilitlat P 'n Ili, .tTr, , rJh, nxva;:.:r
111wiil!ry;x'tiuldala- ,.txn.?.:ilhinil!da,sfrom ;'•e
:.hi4•if ll,wm;=Nib.:,n.l..,:iigihk-f.H :t',r; ht•.
?. For wm Inn :cl rlvd lit, !r,l:ii - I to v ill I III, (Lima "al pnxl:O, !.1
\'orr(y (nhtnlxterlk:.ttirHTrt u, lint
Note 1/ r r (: Aal :+,r »rty'w ill filar %r: ,!tlr?HTll'itl l:U I".11101
`s/on,; llx' ' 1r rll'tptr:.i. r,,.6 •a ,hu !il r„'r,:i 1;'r
Additional Information for You
lll? Nol11tc1 oil I(I lr lie t!I:er s Ir ( 11,;M I, fr, rI(Io 11
d ddi a 1:11 Call l nrlr Hr %I)
! C u v 'r n n tl v s
11 l r w I d n I). mox I n at1,
ai4oi 4 1„ ,es .I Lk.r r i K ill; hr,m lite I'll% > sCS :,.mu , u3.
S.b!:1•I ,rl(!et.rs.:n,l,,,.r;1.1n,..-iftlx•PlantIftheC;!nhm:rider is
n:N!li(si h-I : v:, u I - L .s _ vied G I 'r t reason (t . 's ha.lxmp':.r cf
rh.nlll'thchlmrorodterrsin df`pal') I1 Bill Lour a'I'lallill
(Tnkl l )It ill mllrg- not o:.,r l Ix fm ) the !' I_ the
Ca,rdmeuhUis l uiflutnfstx l i Inert. !lle lil,tun)llil tli be to
pr;rl;lcl nfm.:xfnmtr., le:hlk'aln a.rr-I$•otc ,theroffiskd
dl:runwnlali,at
1, he ISu'• kwr1lP"Kin satukrr.:n: )11Uila.MNlimal (1)1nI il;''
I hl;nrer'i.+4k)lhrism.ilke•`kfxx•.Gn1•lt Pill.
F„•:a:o:,;in.'I?tic:!:.air:=li
xl,(s,xd I .(k ripb(nc [1100"T a 1h.,U,IIF)I er)ryxtl,:xt(
ms;a;lru Ih( I h:;tl kin;, (''NUhnor r nl c;, t Siam o(I•ol?' AaCy?;
(-Ptah, ) yv)trat 11 tarsi:tt mac h : Ille P-Iliq I •e. iv : [an[';I to
A uric n f , 11::x•1 Rck,:al; xT(s m a:\, h i hI :: at2l
;pres? t,thcP:,Wr.us411r1-t?d'x1:n: Ur ll'al!c r ill._rric
.,•?.1•I,,'l.'rl(._,u.'Yk.r.:::lt.trls, .:-.ti.'I::n.
hi"I!N;dl 1.1:h,k. I Isi-I i! VIII., In Nix Lill .;ecithir,
i`dfN.Y ural_vCunt,xmr AMEXkirarx=C(oijo p
1 /Y)r (r',0.V rltdr9?rrriln(in iLS.'
1, .i;rvm. ,',5e en!nt Iola<tre Yr'pn xl}n1 ?nur,ft„lie
1 'la-,4i%Yl/Inwupl);i-,ktrphr,I ,jei larrx ,1,1;p RevYi7l,ptn,rr:ai
elen.y)"a v? Illjliiarrr.
' l.;;Y!'!,T'/s:4 r k ¢ 'r rxti a rl}+ I !r sr n1x s! I r ? l ,«.
?.lnri!x!n+ir_E, .u : :I7..1<Y..11ItY' th.n,,,,?., t?-:rnc(r
p?l""R ?.It,LlnelIIa1 k#1;ii1 •e111o1zrdl:'v^un{i?altmrn?fI
rlu r.;!lx'jt+y>."•rij rry?r?lt?tt;.+lvdlbr.q?u tiz/rn?jl!in!?c(fit
Ilewlltnhy, br lurk- prrogrirn! Illlewp ioll crrf#J aile fql £a !hs
,lalxl !unik r^.riarFrr »!i?i f ing and bm?d/?l;" q*-aw..
.. linlvnimil rnHr',(.r hIxw tilirn rri in lfs' :1 kinlx-rip Reir?r? irl ••
nrt nron.;t Ik'1/rl!e'rtixpi:2nm.,kP1, ,1v;n rerhwipli?/ (VI i/1& /fit
au!i!11)'beItyki-ineIIll, eik;'le!'ur'rb.ini71?vri..&Ir hr:'ailml
1h jYllrl r:ik fir l1.3)E'?nlx'Y 7 S(innikpintsum nt&Ynpt%,
ca title iVis lxvv? hl1,7177,Y/Inuit-ri ,i15k, C, in bile, nl't•,s
r1!t/ e1' In1I7 Il141;71f71'i.EYi.
Ik.r.' 1xXafyll, l: 11,1 ,i:rk Milk, vs.,'de*lx
A,Knt1rF?:?FSti ,
Description of Coverage
(' r I read Iati txl inn ' hLU mix p ,t1d('s Ilx ... rnhnLmMr if tit"
C r tnx mike L IN; n wr t l is kt rill lckaa! .,•rlll i uua;
::1 i,: rrr!hm, t) n ?,i; .»n R tittal,iu ai'zn tic ::rtlnu•nttxr
u . I l ml;:!S(kscilxsihekmstorscra:axlpaRfx:riat,ren'Alhnnr
:III, (bammrial l.ir ReTt ai coluj fix ('Iifntal Oxitimly`) other Il:ail:
thtclWillelillAtelmli:t,:rebml.Israel.iuh•:J•ult.:ka. indN,raZathild'
1 his a,,erlre Is ala,r.s RMC,M? lalrc:cc.
Who is Eligible for Coverage
4:n mvdigd)le.form age.. if:
!. )'oil are n Baw t-Otkhliwal Canlulentlrr a:ui ar: Arrieri In E Tr ss`
Card or U!:linla' Card fit owictilion Y ith :'tat Card (the Card ! 1,;s'
1,lmt isnu'J la--ou fn sT:'tlr name
'ti,u fire of :.I x.n tint .Lt6u a.tJ (1iss !hat is pr,,,v ',l 1. r l:cNal Ups
:o:d 11:mt:'m 1r Gmcx, s :l anal- (a Ca"daxanlxnsit{p
! 'Cantors-?nic•r");;ltd
ourGetia?,:xrts:)dhtlfr. n L's r::crasr:gavtkr'rlh.ti tk)Ilats
?,ItItGr."11,Gt)LIl.Rc anAflra(;r,l(!C:mhra'rn!?tr,vkokenm!kr1:Ii:'I;
alw-,IItoru :c,llsb",rreRilrrrgc14u;tf( r.hojill llx'I r:Ill, I
?. In ..)d e. rux itIg:}(xl°sll lrie4ite ilm, kkel :h 1henef"'ll
r.; ;1;nmlrrsltglrnot0O.k farlt1 t:s11rxkrlI1?Pell!a
"u om(1 t;rl Csr Rrnt?d ftn:g.::.n1 ' o fn Itct'al Ct quir'' ti ails :utl•
amulemial fir ;tcd;tra wiri :mnlsRwinilACl-as.'i'orthe it Irpost'sof
hksiprten<NtmuaptGxnmeo-ril a.Rntalolmpat, Irut;
"Reolal cram: o,C
How to Activate Coverage
r r„tlrJgtt few Ih(ft of (n &)ww r) a kene!I A:r;o is :u: nalij enrol the
C;utl»aHnb[r`
!. pnxns lit- or ix rcS*2 (Frd it) dx• Rer:lal G)ngan to ry:;nT) (!1e %
Rcpt:dA°I°n.tw'n kinia Etna! xi orlrefd is aboldor:kyxaitilt
tllr Irnr tl:e Rcn4?l kadlx is tik..,rl our.
dexiiiKSthe follt!)Ifeilonth:;rFCIG:IIrCi(if?llliltrfjllitf ("Cll;t+'1,of
aatshaapaar:rl,xJll,irare.LrrrnK'n'!i.rrr,lf iltr'{r8iyt(al
3 is lite;)n:n:at rmikr.Mil x Lil lnal as flip C, hut'mhet: uloo is imirie!
r t e vri;tin arretri with ffic Ca )td Ir:'mp;ar ,5 ?!e lxHVm mttik )
-:!IIL!'r'iQx1ICi^Ik!l"?*5t SFNIryr[I:!i!t1a1 I r6tt.Pnnl n Roomis
2i':d
uvs the !'ai'l t) to fix ;:r; vill-w auto rs ,t.d 61811 dr Hn u: Cloth :.m:
t. L ir,(fr t lr_un.
C;I rlfi..fu tintk;u dfe^l bile t 1rLtkmklxrrmrii•siI rl In>! oxl
p1,islwurn.of,ite Relit.dAutl.AOrdaunlxrMill, isphysil cl„IIerMl
a: I uamR, to ofm ite the Recital Auto. m: v x' Ilse Mutate Renkr if he.ibe
is Ut<carlrtx,nkx entering utu doe mn(al tr uisa lion.
When Coverage Terminates
tau err k for theft of or (kutxt;?t a dip' Rurkil Auto er'nunals where.
• lht Remill ('ntimm" nsnms rlxnml !d f!le R(rtal .Atl:r.., of 3n
aats(suritr,l.^.s aficr l!x Rcra^I Aida 1,:1 1urk(tl intr..=tichcccr is
r:lflli r.
• III! Mir e I,cmmlll-A
Length of Coverage
tsar Ri-n'al Urs ;find Pun r Y. hm rant" (*xrte (eligible Pe hill duti ss when
ua'I( I onrkra mn,lel rultillagn.:xoI: from a RmlInIconrxtm. hirno
nrom th:m 39 rrntxccu- ? :Fr's.
Nou ..:('+fine,)fit:',?nrkr.,a'!n'j,rarrrkYlrrhr•nlh•r;nr<ntcv?,tnr
rrld, r. Ar•wal L!4: br'!t•ite/ for m„rr(& r (firm Ilwynne Henri
r are 1 - r... ro,rrr irlNf,frv !,,k r? ,b!rt! r n rn,?nt is et'l mil Y,`. fir
,l uo; Iuktlou %Virinviri, r.•?oilyll rain. or a tips: fit lie is reviler,'
ad h nip ill ..oil r { dl he l'vrtt(k J "Jim ilit., i'rimar., Roller lugs a
t I i 31 n hN'tix m!I .a ,€r roosrll,x des rill of a tii da, Ixrrivt will, ill
the mu pv gr,gl -x ma ke'! ra ex: (7i Inik indias)
What is Covered
Cat Ritual Ill%and D un:tn irsur.,mm lrinlillo s a (anhltmbt'r fur
Immien's f )r dam:rrc t(1 or lid rd a Re: cal Alto that f lie carimurlber is
regon,xJ ;n milk", tip to the karer of. !) the alitut cost to my t it the R,:ttal
:Alin.2)Ih_wholeNtieFV)i;cadretrillisx;h jl!;oxl delowntilm costs. or
i) the purebar !ntora prke of tlx: Rasta! Auto mints saka a and
Jr: i ria, rrr co K 11• c:,tma, ? also mien ursr the Camlutember for
as Nta111rdr.r' tJ. artlargesincurledIllthedosrstfxilihtha!tam
V13 670550 7/19/03 5:02 PM Page 6
u L _11 c,d rn ..1111: i t (l;t ': Ini -111 :a n ,Ili , iaiii of ;h;:;hh ,x•nl tlx!k
,r hiilxl (!III IIle fol!t ( 111)itV1tha:ln,n",nr;lnr,nz
.;,.1 I:u:`al' a.t1 . ]',:,I :,:,a .111111. ri:: C(A.J 1 n _,uer it of Ink, for
-: rlnlp:c, ill a .:._t of a !. W.) it . t..)iuu;; Ili; (:9rti111'm ,rs R OCiI
' .h 1;Ia1Jl ., I , olho lerx! :C,,I'nl t 111lllT ril: nL: nl All r:'llrll',
if I LS;'rt5!.
?ot<. ,i:i;(..,,r. :.< r?;i•..L 61. 1.irlli,rl r.T ^;('?,i li!Bumrll
I! k:lrr L •airl'i 1II?fl:K !14edt"b_;.
I 'h.w 'l foVr l!):l1 a( .,R1(r•i(l Jrl .(-.11H.:ri(.
What EXCESS fit eraIIa Means
i .11.1'.1. ! ! iar (fin t: I? I?.i.tr .:.III his
nt h:hush IS,,'vr 1 I -'al t t'j,kt ncr( slur
h11t..{t.iXil)I(tldl II'- tl'IAt?I 'h ldn.r;::
u l: hIvui 1 :!It" I I r nln I fill fN u
n llvtn;, 1 pl I ! I ,[ d' Llst r I I(t 'u n tk (: ! of n
p! I,'nri r n r fin:l d; p'r n ll I rrm.!,N11 ford
1 1110 IId!r1.rd I ilhll rur stet;
I I t:.. n :,l Ir I i lIert,r ;: this iAf l \ olr.c!„[ c f ru kor't
Vehicles Net Covered
! (1: hr 1 rur uutlt-:o.1suut n 1 will.
dstd'
I'CnIl a []fell th an rI nl 1.
u -d tt d It 'lr Ilfl1 n n-rt I ul'
11 1r•I ul - r r nxl JI I IJI h 1!rllr
C ..rlclOw t n.,•I II! w-la+\ IAxI -,I+!!.I -.II
r i!t ! I La! 11 rYl ,I,1 %)(.. I 1-\Jv L.,i
n' liv SI S(! I!t.II1Jti_tl LI>. Ini( 1 ,it.le. uwtl'
i ::m !dill, If!t_.ntd.!Ir[s_:. I', X.111:.
rnOp11,Y,1 -.. as:1 1. 4 1 n. l ui,t l,' IHI l1. (lien Sheia: Crd. ,..
Its l m;.::•:
.'ha;(rl; ..Ittl.lai;c,?l t4;nx:'.lai l-?nl.:a::1 h. ,,rCla!•.
t a ,.a,, n•t ,:i .9 ?1:r: r I1 . rdC 1:uelw I 11 '::II. 41"
r,:nl
s a.rai i u..o?l;
it I.; ! ;.tu ;IS ' O it (a audili(YI Iii lI the
fletr isr;Yv lfi(111: r'.nplis Il::.s t1'I::m
(v 1 mera I n :hill:, II rl II:1 .J:
Lasmtl(!h1nI 1l- 11I,.Ifit; is
miN-v;.l', r J fu' cornnia ,.1 hire:
hole 1' ar
l .. ' Ti ll (,/, !(..I : ! 6/1 4rciV'r'/t ho'chlekn!!. ( is m/ .t
X9. !1 ,.r...«, is gyr faun If I'll 44,71. fill. I
4:.1 !4i'6 ._ (r•rr'J rr'A/ [ .')/ir)r'lY9?r.'l•(::''ll .. '_ l >yk.
y' n;:uv, ,dl !.h it lc,lr,:11, 111. it, ;a-::an old!; It'IteI ,fhzVn
!(Ir6?l; dfl,nnm
'1 s IllSpot! I hl lit, I. I Jry. 1144 lia!:I t
[ iIr I,,Ur, r, Sn nil . I V ill, I .1 ilk ll ..
',Ii,a,.trlr:.1 ;. 1. I,: Lr Iy, L; sl`.IVth {:: i;ou.l r!f.dfSP,YI
_.,J lirnnm:
l,-: r.!0:•tr ddmi (If r(,a:i:'a•ul
Note: :n.i;rfv +.:Ln.rrr?!,:.. :r.;r, tn:', Lrr rr!d lrr:ilralnl
,lri.:y.,,1/, ?il?(1crclr.!e,itr..,-stinrliralir:fe+. 11 lrlrnr
I r r (r rr ./ ' :[ ,-rr uc« %t , ..l ur..l. rh „ u ?,, r,.:!
• '1fi rla:! ,r' r !C. ant,!:rl:. u:np(jJ`, n?re:al(r1,:1 xaia::a. ;•:II mr
nr r.r, drll..an.Is IIYl l;Ln'? ul.! crIIJ:is [lot it
Rt n:tl; i:lo.
Losses Not Covered
''I' Ica lnl 1.11.Ina,(. ...:crm!z nnt ca: rr!aa .I tvrl h•.-,!1'
ilita:(:-It Irv'al+:'o it, la.:n:I llclrrns :ui!,n:li(ions(f
I i i "l i r n' n. :mi< n( I •cl0dr.1 l . trl l nut a lc! Its _s
v'a.re1;!!Mimi !rallOntIntgavcrti,chid;p;;ssa!i to
n :,:( lw will I]
I::n:r!r: .1. m has:'t;X1 rn'ue!In 1 ,flu .,:I:,(ic.
.!: Iu:,?J- L[ r, I. ,lJ 1f rn. J.t :111 fl r ,al!errilnl,.::
It WIl III Milli 14,:41, 1:1;
Paw:YI I 1',t to I ! !ill l Ci lI r•I al t .np:1..'• k . man axa
r ll.. urn s
! 11il;d!.nr,tw.
l t,d .ci:i ! I. its nos:...:t!t it fill (n'
hrrrh+tl h1 ilk,", d acliti:t l-1 klolr:::
7 .:':I;illlf; (.r .III ant,!IAnL,.i :I dtiu°t
• d:,hnli'n r:a,i(lo::lilt It fthe dr:•(r.i Jt. ;tlIhc;'. tchtu:
he 1;TNi, alunrd.
wlltlataril+ t::king :an dial; ni %i mi; m ulcf tike ion:. !rose n!' efft+Clrd till:.
JL 1, ia,lss t.. rm .? ;,r.: I:I!,tl or .:,I:Oi!nsard I:} it i hittmrt
• I,.CI,•adi,ii,; .
• ta1'iis:ni!)n Ir, autliuri^:;
a;n ;1a! Ire?r. indndin•, t;Iad(cd (k2cri(naion:
h.n1 ;I,,, d91F.1 :p dt q. alk (. 1'lilml n) fn: Cling. n:ci li•rnit: I tr eb:lrol
• Il t,.osrto fldn,:Illb.; 11ehd:l:ri cnsulsl:nr.:l1 (t:,o, .t;l b:
n rt!n mu t a 5 t; !he Rrl hl G•nr:li n• (,full Ili; `chldt bstnlea.
ill "I thilla'."', !I, lllxt 11"A ?piwk5?
T
• lix9iitordam:ltr1 c(flatsorhloun!lf.),IT. SsJ,en:lgnlbyfire,
mJlKrnt:mixhlcf.t:':dalwii.ars Ia..ull:!(ulh:llisisu,;.u Will
ithitn(!f:iDnlifes,1X..awse:is other 410worilt the o!:.,:rd
• rlll-r l a olx):.1. 111 rC 1 < :•.I Ide.
r,.rM-nfilm alla:Salulril lsl.ral..da: •duFU,Jlrl tne6is.Oil lax
fH'IXlld t:r:
• cl05 tsr, r alu-I 1) rwan 4,1:111l , !:n iluN ncnt M such xlr.--:
r. isrr.nolb:hw:
• 0(.111 a?w .l, ns rhlci (1111 I'::m tit I' it:l 11an'
!m!lit%tr nll:("r!! ar. tit(' Real:tl 1ii o, MVIO 1!F :r(nt:!r
• iX1111nu:cr:nan? 1. altdled lm lx l[t.:t ;Ill?:
• I!x• n Cur 4 iJ o li
• (xlxnua s ,natl. r611._d III Lail f(„ ,., the f: Itil (. r ol'a.,:'ir its
inSnrY
tllxl { t'+.1:) I! ('."Il 1(111.1 f 1.: 1 !IIk:ll.l tiilltJtl ,l:'
utikuial nt r MW"S III nr.Y-
:•.ii Ilt :t\ -,A ill ,a., n,k.s ,.! 11,!!v III. tit .. tz,...:. C.. is
• i.(;IU 111 Ihr
• 1!)isrI fm s IIL: lb)ille 14-11d(:.npJ:.:
Ji`m 1 I nxi l ml gal le
• (ill{I(Yltal :RuY1tCfIIIT'(irtl i,ncnnalpullrzr,T,aud
• "?prrr!atk,n.i,l:lusr,iutbrlsrntn I rlri).xinun 1 .,:iuimdh}hrv.
How to file a Clain
i(•:nlm iltr!ntu7.. n.tl Cilr R(ld.-s 'Ind '1n cf'ills init.
I Ihr, I (tzt ; 5-I 1 u m. ul I 'd .ail 1 I' Yrl fm!n
of:•lu'nmC.xkh?li. ;ifil!-:?'., u, t.r..rn ln,vn.hb.grad•=?•
Il c:.l F
;. !1x!lane oll .I :I tit ti irs,ICcldilxr g; n::l.h.i.:IaJ:•:ill
-0 l!u _u l»rni1.N I CU'll kirn, dll ln.,.::t;, r nqi;;t,..!d a;.r tla•
11:11(X11 ;?ntt(Y ;ur i dl.s.::Lid a 6i(k it t !:n:lad::ii
rrt Ittr. fe;;n wib,h+l xli I,nL;!ht .rctre!aulliak;
:L•nsF.r!i' i-l,IlledAlaffil[! mly(CO ;`tflb: 1m nt.a I\;msi:;:r
I c!ra! I xs n I P:rna (awl as l :.11 `o. i IJt:! Fu' n,u .I 3:.jr¢tn,ti
frngl.: ;I';)t,': )<7 laaa.nf( .-ILI-i ,: f. (.nail i, I:a:
a:J1411 6KI;Ir:..1:,a1. t n(•uirr:iu l'.oki,;d! LI:.!:LU hicoCis,
O.I.Mim. out Ix. dtY:kd.
RCrplinv .t antvriJb'1 nr .'vu:as, nf, I is I;,t I: llitwl to:
• inn i;leJulco1,11,1 ,;I Chu)i toll:.
an iii:aiwl ill-pair bill,
a ap- cF ' J w ,lip fir 111c it:i`ai of tic I:,'r; ! wail. Rerl•tl :ut±
• mnlntl R 111 difile uenerobed I'm l.. t -:! .r., r n 1 .a: ehargtd aril
aitt for with :.n .n! n( ;n la rcss±:anf
:I;uha Rtxui (if:pq:hcaile?
• OplIer it I x JJnli I 'rl k).c. if ntYda!lle:
,,txfnrxIlseQlnb,lon Yo.,&attl!iolvol:v'isersul'rntpl•ttfs:mlo
i:mrv r rave, n , n.l, liAld I II ! s 1 ,::! a ,uJr a•:
e<qry d all chirp drentn(v:L :n)d mitt" 114- m 11X111 ide i t: the f:rr
• Rental r. l Ina Pr,
app ri fix R•.'mal! l i1I i iI al 1611
itif tilt,: IlilYs licom: of Ihr( 1'In(Ilxg'Or all l:rt'Od t!r,:er.
• .Ipso cx dntrl } hrer•,• ana4,nl : 111 .r tr, .d ins Incnt.
arrwnt!(the;;i'tba!!:n.a! .y:r:;111 ll,til 4011.0,. %Iik (hwimxgl6
Nn dieR(Irtal ;,ct ,,, .!)(silI it I'll!
• inf,g t l nl ,x'It:!Ill I' Iloile dallh k I L L61n1`- Jr ta" {,'.!a).
! :, ?nlel I r !,a.i>;,ah l dh i :: („ n I t fl t1 th iI bei fl's I ttYl:arul.
ff :al nYl arts! .ha.t:n:e1 I, n.ln It!: ! ,.,t,u , xhm ISi d1:s iit ;le of
of ir'tis r( - f t ford( I n. i d!on wili l' has It)! l,('11 ,. I na! (N! W
rt w K t. r t i e C':.nb ulliber:, r. to e ,,
..(• Ilui Ix de:;ir..1
Now Benefits are Paid
All Ciu Relr:.al Lmi;iial Danry;c IIts ;rr(nc;s !!::i iients reinibtiaal:k_
laltk r tb pnliC ire ,x? 1 lle to the C: l oC t:b!.;, °t l t O 'd, ,..; mein
may fie milk, ! ".'!c :hscrta%on of ti:e n tu'a'. joinQ tl (u'(t )x,mfxr
tild the rm ncfull (',I Re'ral Co:nl h I :h(( r I fil;d Comp:int
Ir:is c. t 1xv:
. 1::imh:ircC:1 for il:e C.It J lox;,: 11: I1)at or :: c
tall:lnu^n al- `,a, mu t lhdl svl,;::ra :I1 ,;alnents U the
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t :•nu l rGuld !atlnu I'la,Zli "r .1 ,:r e.drlr: (ru:erilrcl `
Rights of Recovery
n;ucrr•1rlofapa:n;c'111:I.derISn:`alit,:;'.eI.u:.lcrisCliff! fill It! Ili,'
r 1l!t of real!; tl al:.tt: Cztrlme;alxY, tr p:nar u! :1as m::a•. les
agaiml a r alit-F hl! ( tildnn lthu• •n 1 I cl>;u a1 :deli - : to !hc htnlmr
It-gal pawn ndittiv Ififli . fume tb shalt°:cl uu is .(s'!:vs:u•: !C.
It lilt, mill r r,erc!s lrs fl, is fill I In nndli.l;; dt 6.6 t) harp the
prangs rights.
'°lim it Canlnxit!Ixror rinnxrciill (711 Rc,1 Jl C olnp l 1 I L iet.ll pa:J
da.11 , s : attlilr llcbx.t\(Mrli.:ind :dse rt rnti n ii'(nn anOtlur, the annum(
rx mJfrt u f n.L•ers' Ill ie!xlJb that t:nJnlcYn':+.ro :;onunroal
C.ar itmial fnmp,als in tan:! ill tl r nu!rrtr and miutbtusti to illO vG:nl a
Ili irmrnrsp:nauvt
AS A('00i1kin txJiltit cuter.,,; ihiiCar1nkitillo-is,op!ir.A.and it:tsa
1 t- tm filil, (r tir Ya •n,) dx anti m an; i ,esiptm n bn I nF:n
tlrak:r'ml-lr?= I rtxzdnly.h, plnr:dingut:iC? (1fany ,1,1,ll ;al a=?it5
a'ul al-: indl all st !le-wilts in Itr t s n ) sl d •nr.;r aJJ o.n nbc(in
1. !t.'I::Y Il:lltr? 11111 d(rt llict.1.t ,'r n, .;4)I .U.I, ,;.;1>t lr the (lisle ,!tit 1 iIf Ifx•
k till Ili:
tto
Notification of Legal Action
ti?X:.111 a C„,IdnxYlifxr is sm al with suit:juVor snlnnxnn falters relating to
a Or lee aal (11;5 and wiliatte claim, :ht C,!nlmniber mils n(llifr (xx
:aklro ,uxl pho It 1. mbty tm:kr CI u m nha xrtimnl ark] jnl*k;e
trpiks d the 41(1 (r:llnimms 1 alxYS to I.e car tieIral 14,5 a 4lklin . le
CIAT'll,l;nitnif;,in I;d ysofAlmtheCardintmix•rfsxntd.I<Iiluree Br
c {n I Ilia, n: ••t!t i.) iii it [d :rrtfit`
Additional Information for You
Illls mver;;ge n: Ii:itlnnsflwi Ili' 1fFX l,"i,1'artY' Clinpam•I alf,I
hniilgh ilsln:all I' la' CtifA 5 fJ.( it I i .inwirar fxprts:
f id lrtk :.tl tinx •st. x11(%am. lit c. it, p"If dinfillxSdsi4;
ah!Ilu. adlir ixt I Poly' 11 Ill I .tfalorkmnlelkd
it r r- I !iril'1(t' Lwis n n p(Ia.tdoc nt.n.. ker k,apit l e
f(it a llllvo 1 t kvrixr r pRa -,s I. .iis.t
tl1 utr (plinfl tlls,killmirL.t!.lcPnlx-,)rol.fzf,,nfr:.aatrux::.
l X ieIs(txIT aI1 Irc I(xYr1xII file sliNif•Ito all of thatwnr,
ourn n 1 I ul ^ I u in of:!?. Point ti ml bir tilt illklemrrxr Y1F
;l ru n Yu r t ixt, an ars r Iks alp lml cd (%` Y „ tJ l Ili ri )x : wilicil
ma. litl It I II m1s11al In Ihr I Irl.nanur.
Pry sk KolIwUr'
VIII i. (-. tut au ':ir'i A%urnur GA;pill r
nil-- t .. '): fnIrTY3?
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prniybef 1 {f lilik",latK re Avl I;? liu. l'n. irrvl •Nfr(f
borer! u.
Nwil11arlrn(<rirrrri+drlr rOr AnaCltvs'1ttpKr?rnnl.'r-h'n
r -i. fffl. dt lilidi',zr biq till- Rrnirri t iiln(rink" are br:ircrkl
x;n,d (nnlY.u?;.
2 / d rbl, mrr/en.-At !in dlrnit"tiYip Rear':r6. m xrx: it? nLm
ruai:'rrkrlaGt •llart'lrrrbr:ca Itrrll/rnvrfrnikantxlv.'afr
Rrnrnltl'rrtG:nrjA.rrnrfyirt/crrnr/t3% ri sn ilrniblo aq'l
lirY1'er(ti5'7X4171/dfrtil(ryditaletit'r1r7;yF.*vltln OwnwerridOir
RolkilOtln.1•nr;:&/,o4nili,,*%:'r1hau•er1n,.? Jorthe
-I;,r.Gr>fii:,el- /rrk;IAlen7(k'nbi11Rray/rl, wk:?rfAriNlifrhaC?i1e
,.:llr Old), be nwa3;11,11 i)r eki ilbk. (. mblsembels. if a:rf,:? 7evt and
!x•prr ir$x^r,r:11e-7ixa ,Rririrl'rzahnrplnrc trkrrtebg,s
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IlWn;ttltf PH4,I-, I )N
Pr JI L t 11_,.t IOLOG
!.t , I V. k• lion (ip g lay, tc,I hnsltic, s lzfatinn; till tksl nalrxl
i!'.n.I If -it 1.:.! %tl::;Ill elr,,hl<vill-d(,nIEprN,carzlif lot: In
I;1 ""o-11 :'-<.;a:nel ,G.n :nl a tie lots fr(r I ^.tt (late. of ivarchaR' and
t nut i. r, .tcx:- t nk it hxk, A1wri( u, liapn.'ti will nitrrld t--- full
plir, rtY p10it?, till to $1)6ly a n h- ling shilp)fng aixl irr-dhrg.
:ind,q .(anttuill:nnrn3Uififranni i:ll, per Cardn nharRerxaalst
How to file a Return Protection Request
Once 1(it: ha,r serifW dIat d:r (ntrchan! will not:"I'I 9,e tkvgr•'aial
ilc:n, e ll I-Vx)-29?-SYJ19 sytthin % d its of [Ile pilydmT Jape to notify its
(d your sanest.within :N: da" fmm the dais of yrnr initial tan, Wat tx1A
In It .6%,e file Inlirmang
• t1,;inals6imm?upt
• 3nxllr n; ,,}pry,. Gnd rttnn] of caa!:,;f
• to otlx.r.;tnail:r:1kt11rvuai,krustopl:c;.r}nurre(p?f
Once ymI, mgtlut :ii 8(4X11 afl:,nntd, ;oil v, Ill Ix itutnic!ed to x I tl?w
p:na lia"M Ite it n Its It iI 10 dais.. I•Ica e k.,) a nrrrti of Ill ir<;ilp)in•,
,tali tenl.:ts ll will reel to p o: al(.1 pnrn(of shipping in tl><arrt That
;cur d(si;n, tM i:rm,s r(m Ilot m t.l nxl'an• ns;rn,sifik. for ilk! shippii:g
gild 1o1Jlmx chargCS tirrlx 'fem. file Rrlimd ul: v, $ltai p•r lMm :11x1
Ill' [it rIm??nri"1Milxlt';Ildrn(4,IlyrIle.y;lr l.illk
mi rh uktl In you
Limitations
a 1145 11:6[ Ir mask ns tile. I;nit(tl Stiles and char,Ied in hill on whir
(ai^f. 4 r,•hinli sill nml Ir jriid if. ou the date'ax axles coitr Rt4t€m
!'Intaiirn Req; tKt, (r on thy, dale >f s:.,uld he paSYr>t`nt. any arnta!nt mti
?our Cant Account is past Joe k,r (ax• or mo a billing ctrle(s) or Your Canf
fs Mal-Clkcd. R4111A am hirited in $3fx) ller ('sigtialix-I item, will $ LOCK)
arliittallt liar Canhienlter kanmt. The ite-in inust be in "like ors'
nnublion (ma :asil,h. t: ml orWa)rrU :mil ill ((:irking older lm be e{ird;le. an
iltm le eligible !fit In•.r rvlt be lamed bt the Carth»e:nlxr to 8re
Iix.1n:lltill fmlli Yrili'li it1Yasorigtmin4• ltlrmh:iv.'d.:TItY(loll niilick ed
from : nice h:ml f aft i is an W11" ILd r tunv"'llisf ltilmn r.nr?Js
pm nm l:i 11 is tn..rhr (dull or r,dl. It to I AT:nS (l( Warm PrlileNicln,
a:.+I ; r(• !.t.. colmr tt lardairn. will not !.. , igrhk in( a Return PIMIL Limn
it(d d pilh.(i al),:1m dish in 4 or non N R Sind fnlrn lowtist prir
milt I lu r pr, hfen s :ill K. d"luchal filial the rngur [I teK 4111r ilenl
ill l r l!nnm ;(Q Will K' (7nliptIlSits l Will 011 CNC-e •(f Ifni
Ili:: v ifi!:narr; s:: t:a;!.'ste(i r l;tit :,rice.
v13 670650 7/19/03 5:02 PM Page 7
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ADMINhI R,imv OviI( i
411rn"Ilu.Cr>,tr:vr ?
Description of Coverage
(ottrrd l'et'vons t I u Sh dl ix I. rcn ! Pnt(n: tar u ,
11, il'I (I )alit I .J.-FI ? .. I U!" ) ULI•. Il'
tali .:hd: is. .
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of tilt [Ileu>;; t'.al Iv (. the r:.(c:. Mil e tta:Y kanulY c-0aril il'
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sI,tl1:a.:irat Yfr's. !lnrl:inlusnierx.
I. I?rn :I m: G Id u l' .m•rk: it n t o r) t;hb
ill Cl J' II,I.-!ix' n rn r F.trt ; .,r![_i-ala Lx:).
r }•ri:ll. ,I s (.r?[ isrn c(;1111 Its of j!: ui L. J41r.1
Cum '•ma m Y girls. ttaf 0 j i r::!tCnfl Ci,t Ili Qtr. F font
a :L?riurr p - N't 1111 ,.and. ofoar is I r:ii.. z; fi') n '.merit':m
.!t al.;,!II I tit!iih•?.)L,.IIIe.hr,3 .,:t,?r_a....{11x - Deiness
r :tp<u;l lam: hoot OP:?:'Isla Snta!I 1?nsitxss prP;.:u=;" 'ui!xal Grkl
r..l;'nor II\.flnt:>n Ill,e;!nL>,:t[!1(r :?lx•lan::.lii'\s'.
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+rvr &` Cand, Anaerx as ,..cprclc.
(. 'I rs-; h::! 1 "c:,( rl it nn ()I,. 'flleSne, iruu's!Selnrakc'r
ill (-raer's IS.a I L' Canl, C,.tnllI an'.IePa..: (aulit Cj,l fro in 5nIr loan
p:a?.(ni I ri,:n'nnt(ILl'll' sn PI:I,.in:•.f[;rr".
IIl I Iini; I I if ; IIIt Ac c, I ( In lilt el i I t i nu III I)I ?sN .
Ion :?; Isl Iih't(;,{I o W R Ih.?S, ilI ores" 1,,d:
I ?f--?ills bu 'ss l l I11Grou r)TI Itic Sn Ilfl Nnss
I r I.:l s ' I L: tyll," Cmin :lr,I Inn! t WIN l'ac
hoot` e r Allies Cmdi'
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t L, r ant Al L.: Cap t aIilwI, I till l =': Srlmosi'adit Cold
LIInel (n!'. ,-.I:::(s.Q j 1,1[1r:ts!iY a ls'.':mL(g,[ !mtill
t' I I. n;Am t I i.ini;m Olli nt:i' PGUamrn ('ail Re; lie C:oil.
Unlima' Il:i i:a:lr PnfeYrr.IGot,]. ibsull:ilCarl. i'•.'ran!:iE Choice!
c>(rd v.niorCanJ l l ordSlu .i l'lall i ill ash
cf ec Ca t I laliuum i:ell Ski:riixs- (1 J r Girl 11 f;rIml
S.. n,lhta f milt trod fro. h < K: i r I ?a foal Star syxl 'left' roil Guest
C _:!n Ca,J ht n o.a cat !rte. the aln'.•ni.a- I ?<ttt, 6,If („.7J.
h .<" n li'I ;(s:pn :"r 1:I, Ih kl: :Lnpranf;pas
t . Lf f:art l:[ ::IIL:I !:I l arils 1i;l:ul r lr!il!;arl lrr m ti.tnricd:l
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11-tia ( 1 •L,art AI It rtwcs I jl L j AC HA I I.In (- )r a ,'%Iu i:.l
malls xa::rit nllera to rnrja:: xo mill all r .nil In n r on
p -f•al l:ii d SLnict-i, t i"Irc alt, f.rlrt hl
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uxn :.l r-r!,,Ltl . t t. I s snr 'h anal rctiol ItI . mark, n L:•ii La:
I rl Rehlid Far Ir s r.an;.an,- for, tit IN piriviii:iting
o,to:tl:fu,n.-s )if;hu'nrl.r,mme(Iii af,.i:'uon Carol
ALr I:1, or
c. tl s xAlSe' kan[stn I'arelerof [kax' y t lald a t(Irr €. ; M oil.
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Definitions
\('c!tk-nI- olienetwr--Il ice-ill, folk n.IS.nl nnL-,preb'd Mrt,•;:'ict
can'l^:an'I slim: IlanincLxk• r!ra:r'nvd<irgfontamislt:gt;iaa
Cnnr nu ( Jut.: r Cr•n:L r in al:i't fire ('emd lx.-ran is t., :.lini;
ailine;d(;.)'ncutNr i:!dr.0tiii'Al,11,•,uernhl;m
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f it is It trip Lalicn tit tl: Clrertd !let, ,)n fairucn : he rwi:ti "Al (kp:more
nod the final destination -is sh n.n on l i;nr a.1 i'ersrn , ticker or
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? tile G tld tars:'nor imoire(nrsnuhIto,lhalCpni:niin(;IFtwr
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IrN life lr'llu':.icg 11<loina}x111s
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Benefit Amounts
1 r. i / 7 l.7,. 7! M1 '? h Air (. h 4 l.(1 9 i% . `I l.7'( 1;e1f,r•;
77.M1 .Y7 M, itt ii,
.. Y'7 )a (7(Jr Sir%!,1hP1- 1,.1rb1!)i.! (1f•t. frl<!7t:roll
1x-hc^t In„ .On b"o;Il-+r:rl+ra'• SIbill ,..,w;
!:LI°it (.!-r.r p%i1 .k..:=t•n:r far. J'4•:d .r also
Col.'!'roll'ersrx(s.arclr.::,rllru.•1r,,: :;J. >rr';7.r' rr.'.,,!?
/. p;'u!!1rt',%(1r:%(1;Tsar ....l:rh, .:/ GK(r•6•:('1'hrA•1: (f•+i^.;
1. ll... /n(Y a ro !;(1!1'+'! ..x.7,71. Li-r F: `,i.
,. •14. Iwk-f(.7,el.!! ):. .1:.7rr;v r <7ril,.
Auld.' SIf0j!(in .ins t,xt
117,5'illeJl7iJ('l ;:71r1l1
!ssnf barb harxlc ortiath iii SlfEJ!xx1 $!i,faxl
..CRCs Ytf n'i(: t:.ll`l : 1'd (rile 1,
.a
=1:xt.!xK)
? ;if,fxx!
1lmllt'igh f of lxt!n e;111 sllxliM $110100
a)Ss ri a:n!m'sight of Rate
:old one hand ef rule hx)t SIM.1'.I@) 'j(!lot
LSti ri 1111 c1 I,_I or use fry;; ?))xxl jL' fall
:A&, fol,o Irp sight of r::rr c"r $a1r(fo al_1t fill)
fI I• STlhlak! ,Yy1,laxi
rs' li lxl!h halal: ne ash fttd ;'x}.f!d! t..tixl.lxxi
l•, I I.I And note linn! I%
r m1m aJt rl l:r.,.i c: Ls S,:ttlOo
Ixt18x1
t,
s, of _t!in Sigh ! of etc e,:.
III ! ( Il l t(I -r IN 1 J: yj(? ;fuss - I d{/,:?`,(
s c4 , <I a Ju, r,,x hx;! 4rv)i!t'Ip 57 xOixxt
a : u:.iir•vglr!of(:-ieeri el?),rxi;t S;,p,ib'xi
INS' s U "I I t will; riir-mv h hand or la,l Iowans c6nplele
inif o- r u I t1tl ev r t [ lhr:,ugh rM lx to 111 sr!st or ankle jnlnt.
:..!Ill . s u;Ld :flh rl r•t.(::o (, . 1Ira. .ac• rle n%erl.)le toss of fill.
culln•iii(i,l nl,tr !dee.
$100,000 - $250,000 -- 550,1100 - $1,5m,000
Maximum Indemnity per Covered Person
!n !Ili 1 t it m lul h. ?antrha r Fsnnls(:an)s Ih r n. dn_ (Jn p ' m
I)I, Ill.- m.:n ,tat tile 6-s ;act mod by ; rna u,Jaxlual C r',it.! I Lr n
is j resul, ri ,:r.!. ul c lccx!a; !. 11, Cnny,ant's ubhv !i a' un(kr d1e!'nba
,I, if! h Ir a ni fed i utiblig in'.K higl• st anx,unt parable undo the
scicrfx An,en(rn 1,. cc r., ti s:r , r'tr roof 4) dial ge 11T I?Omin(xl Carrier
1.,, :omyxIce far: for fah: Cr:trYl "$E, is ca!td rl Ill' Belx'fil An)xlnts.
111 110 elenl will a hiss front an inp'ry'shile cr,eragt is nn force under
the Polio A?YP?•M ftrlhale tile t froni> , b p I • Ixtle
fts under I'cdict,
Aar f pt tile ! mpa 1 s h ninl?s E7a;°cl iitnlenl Insurance ?alit}, rt
at14ti n , tt Ix ncfits p:.ry ilk b: the Gnnpanr undzf file PUhev
A1irv ., lira '.m( tr : Fi: pri SS lr'th Ilsteil unfl:r Ifin Rnliu (lo la )I
n.rlt u;crugcgnferl,ltt:L104Il9.
Accidental Death and Bistaemherment Benefit
Ilse Oll ills}' dill pie;Rte'ifililicltkkil
41 I
I;tmUtnt;ts(ktemlil:t,lfrl)m
h: I .ht: rd l,mu if t (urstef prmat a:0ivs a lros im:n rut it Iran :tiuk
ul ' ,,; is fi) Curt. 1111 4T h, J'nfk-_ 14.1 nnlr if slU:I1 1Lh1 occurs ;CIl11!?t !iY1
as ,Ir. ,::i. dal x I ...mot&Erd aacn txuaxl;hc Injur Ikltchk'aill':x•
p:10 I I r'.tLt L, h till La:-.l1, rsill the C of ale, pal I(n anon !Lou:
lx.tr.;tvcl rot ac site le::ult( am t:;t?xulmt
Description of Benefits
Common Carrier liencfit f a ;eiefft is pa? wile if i;l Cnand I rs n
ua,. Ins et'!s l u,l l ,r Vrxkml rl:icL'tia IS .:Lilcrdir. L.;Jd; as
I 1 .7 11 a r:,a in. a fivaidi 11g, ar ulirtlrit:c from or :cis!; 9rn(k h; a ( .11111 on
Cal n r r n,t,..ta' usctl (x; Cra-^ 1p. .
Exposure and Disappearance
if I r :n(Itd 1'cl igm is tur.,sd # firall if, fix, &-nientsbtcans (v r.
Ili
a i t (m 1 caen•d f'n;,rriidt moils in the dksaptx: ruxc, sinking or
•;; ne hiliK. d ti to co,n a1r:a C^.il':-i P'xn -.na:. and if u a molt of Midi
x dI LtcfurrJI:rosrstdim-,2Ussf) r wIIicIrilittle fthsn•nlhensg•
p:at:lhle ender fire Pttie:.sash 4as ai0 rt crntmsl under tl=.e Pnlic,.
If :I:(' (A,;rr v Pcrv1 .Ictn,:u5 KIMIT of an A ident nil i (a;err'r I'm.
ichnhrtll it) Joe F{rnRS2_?irkingow antking4[Ili-Cwnrnrxt
Cal riel n t+:.ikt, .surf if Ov mtvd R-1%11. hrvJr Ilan not been fond
;,ittu.'= ne(kJflerThe EtI rdstchAccitleje. iluiil xprstunels hjw
to fhen':x•me no (^iF xl•rc:. rl girt hie: the Cerertd €4wm su0(vcd
s Ili- till, I'lilk".
Coverage Requirements
Gmirolhimmwill:ie fuPtv4jln'lFri.
,5l di!iim(klllx Pc:le'erhik'
II killlg I: iip(nt a G. 1:.x,.: i'urrnt rirr e; a[Sxo l; tOull the n : las'x::n
:::11 (tl too ll:_ rvIific 4rrcti:.rr spirt. i'anf ! h- ttnlds f(u',»ltray:;eill
rem , I ; f:1a ru 1.111,{:s dx'ayin:ili„utf a Car l ?i id4m ks met.
Premiums
'Ihe mrninnn fit; this cuit'cr{e a [xit aide fry Ann m,ct iiaprt s
Exclusions
Ill is itt lit (Ira rfx nrr,rit ffivs Wusrci cr contribute l to Ise ;1}
nlu!txlnallvsifra0ittnlbgarsaiirli,II:ul a!wrpatile=[,Mlile sal..,
('<':) c.ar;,r an, aS ;f,rvt;'lutl' :raldiiMI Ili tutrlo lartak hat's,+rr. a!n aL1
mnu ,s,l I an Tot Of air M-M'14 !uu14, or fa,1fnn cnga ed in ;r:lr
I!rr.,'tiitunillur K all r •arlike;"liaxrst,rot saheb gwwtt is acting s :it:th•
If-J I„t r} aulnectint srtl em: c? ra1iai lift antied forces (wl eider iniluan'.
rand lifir furies) in z yam 'oixre t:'x: Injur rim Is,hall licit!,nfivi (,I IR:r d:vfakd aax:uth.i:an.ate:.astlle
cnn»n(csio t of ore amM to coining an ilkv:tl it b, or ail ;xiialf crf ti'le
(ortltlIrlioror.R^xrfrxfi&jrtsf4 'tjurItxittdtshiesertiitgas
anq ranror.sr;,,rxnlxYof:tn r? e,m,a•:{i)Injurvrcaisrd;lhik
(tarn: ndulg :n A 1SIMAr in. hll:Jir., o alixhfing frint ,! Irn1:71 crick le:
nr ilit sli kl n t h:ail it r m rr ntlrnnttipr•g t: u a n nn rr' l01
surgi Il_I-..6M.,:: fir
sndt MithiliCS,'Ill!!'rclll..:... fi.lrcln:(utit.n i.
n4lt in(1 s the:lire P511 :. 'al tracad laj!uc
Beneficiary
AIl'u rbn stir it .si Imidi,iarkorMiaq;cape°7ipush'
d(siStu(yl lit:.efr_:, I. loi , tilt#17ttxif and h!v1xryxusc/fknrxstic
!57rbn7r and d(:Ixn(!c<'t c lirkl.::!rzlx,:.m nut alu; limit. m' A(kliGruull
(:ar(In n:x:n. Ail Siklilkinal C:a kime tbtr may designale a liencficiair for
l Roar .:fl•inelt•If and his?>Lr s'p(xs(.7A}nxstic PattluJ arnl (Iclxruluri
rhddr: n tcho am not also Micor-AMlional C:n,fnxmlies or
nn;--MlitmesticPararks:n'(Ir•fexlullchildren of It•tsfcC.anlnlcmblirs.Pill
[,Irsol s odut 'Ian 11'tw; zhf;butle matt (Icsigral: or change a pra'uxisA•
1(si; madh uhitr Forvxhditmeiil for dden,rto,, me l7crfit:•,
n tut ,(!rncL an a k rn ,ti(a You to Iht Comp•uig, must be ffkd tt'ith
:itnrri?-ln I:xliry. Surf! (kst?arbtr :x change shall tak e0rr! as r>T tine
(lilt i! a^.; sign J :;j the (L<igiu`za nrtni(kcl that it !:as I;t•ut Irreitr(I ll.,'
:tnleuun I ,vn?:, nut an;irnrrlartl7(prrx(uls made in lx:(:anp:un'.
poor n nr p ,f :u h rksnt i on ctd•sl= r Ir,dl bilk discharge the
Corps I•fotileeawthif oicli z:ruerl.
Claims
P:.luxrddainnuasl('r•gierndt{ir;:_iAournx>;C ml I Plaints
'd nunrt^ruu Ulfny, fit fns 14!}?R. Gate:; tier, iC l 5•!jl}, rX;IS uilhin ll
dine alter tae trCi(I IOU nr c xtlrt rrx:,t 1(1111 Ines Sllteitcl ln• lire
'ulir ill cv,nntlrraftczsccrr?rxeahfypni91L Kolimgrortttn-cuoit
be! [all of lx chim.ml in the f rxrgran' et is Mcninistrati te (lflim. nr to art
authonral agnt of the (',rntrwlp, ttith nJiNntatitxt su0id(rrt to Ideluih the
Ca; crtel l d is,n shalt h•:klenra rrxia ir, the G>rnpa,ty: •
V13 670650 8/29/03 7:52 AM Page 8
f dp€ISL'fif Df rl?tt?i5
lit;lar)r?:af i.i;,q a;isrr;J I'rcn!:'.'%ill:cp,a! ?.;!! Jtsi;;n;1€rd
.-liar; IiL1 p1. L,r:d!(U 1 r tss r?6nt . y :'. i;l iYl Ion ••ull !>L•
,? r Ic, t!r Luseml Ft r-xln. if l ii in . nJ!t:u ik' to I!a Jrsi :r.Il,x3 .'na`iarr
1 ?!x'. limn . x I ut tida 1 4 .a n; (al I! tl h :clh 1 r h r.=licrli'r,
1: r:, r<,ts .fre ;:r, ?•, ?siyf. t ie dr;cignalrvl ixrrli, i,!eis :Call ch:u'?? cclu;r'•Ila If
nn'. uficiarr !I s lresi J,Si n;!ICI. or it?Lr Jes!? cdt'rl Ix nditi?:r•• dxs nrt
t'li Y clip will'x 11 IIu I'n i nirvl. wg
I „al Inch 1 r •nt? '! yx I a nr Iknl:!?lu I .u...:r:.'.? chilJr,t cr ?.;:II;
I Lin h ix:r:i-ii I.] r: 4u. (r. ,pil 1. ua'rnely ll!Ym an
Ifl l i i': ?null f:m ? J.. AWk, :l.; ;tabu r:.x :r'reG;:iatc>
dsi:+ Lm 11h:I. I ,n:Im i Ilfil:iiRs' 1 (1111 1x1[:,1:.
t oo-im:fn::n;illr„lw;itifm?nnJer";r'!5'ia upt•,?q• wlira n,h
r: nu'nlI.te.I!rrfnairi:'.Pai rlmi:ui6"Cic Dlfi,r
uilr I ?'ili M ,JiJrlai l l : "Alli 111; , .::Ili:.! Am b:?.. rr;u nxn. tid in,r nin;ir ?:,.:Il sNnr:6d..
Time Lintit on Actions
rn d! 'I a in c f'i; I JI l:r hrnr rnrr:. du ur i':dic,
Il Ilr :ini [IrB tl!I!lmt S, Iia cC61<tf.l'L.in .,it f,;:?l ;.iw'iilIll
I I I s. 1 si;:s: a It rvin 1 l ?Mm it P jlmf?
'lan:(' 1 n?igr:?
eta:ark"'.:titer ;! it time r; niik n piv it nl Ines is nr;nire:I in !•c fnrnieL .{
li lii:ic4r'xI!te I mll:l:;i Till n,a:^t.
?fihcitl Tills DiIn41:IH ;dG :1., t.att: t iii<:r
1 :. I :p um o1 1 /. r.1 I?r :`n 1 n: l: ;ra:c l i k. I.,i''l ;::I :.I a:ura;7.ion
I ci:'f. iin:utl: X ?drrl:ar:
Pfftkc w Florida Residents Onls 110balillls c:1I!n' fr:hr,
amp :Mi it-immil l lc •crl ..le<
r:/(i- aililrr^:irci .'i'lf:(. •%u7 (,ii'-;?•!'.4;L' IYl1: ;.IY :!;%p;,.,
%4t;F i)f::?jlr'%1 Y't?/y GN':,'![e G'!;J'..r:?1.•.. 1;. 1'!N.' it ?"liili!(: ij ' •±' !
j%`irryi?e;(x;i:`.>:•(J..•?.e.!i: 7rP :k?;'irY'(,'r:;l(n.; y-iit?•Nril%h;•f ii?k"I!a;
ur(did ui,•'o'zxxrn:nf Ir;;n•Gri; cn,!cJiL••IU:
?i -
z; 21Y!3 Atncrican P: rm
0
OF TNT % ?9,?,?olTARX
2009 OCT 29 FM 2'. 11
C :,"DuidTY
N?cW;vS`+LVA.I?I??
+q ,5o p0 A77y
..: 9A3n
pjt a3a755
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
R Thomas Kline F?? F +r''?F
Sheriff
)TARY
,_IF HE
Ronny R Anderson ZOg?? -5 ?:
14 2 12
Chief Deputy
Jody S Smith GUi,'
Civil Process Sergeant OFFICE =t T'-E z-6wFF rEi ,r v
L?
? a ,
r
Edward L Schorpp
Solicitor
American Express Centurion Bank
Case Number
vs.
Heather Stone
2009-7487
SHERIFF'S RETURN OF SERVICE
11/03/2009 06:37 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on
November 3, 2009 at 1837 hours, he served a true copy of the within Complaint and Notice, upon the
within named defendant, to wit: Heather Stone, by making known unto herself personally, at 9 Westwood
Court Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to her
personally the said true and correct copy of the same.
SHERIFF COST: $41.50
November 04, 2009
SO ANSWERS,
R THOMAS KLINE, SHERIFF
1 l,2
pu Sherif
(c) CountySuite Sheti f, ieleosoft. Inc.
v
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
AMERICAN EXPRESS CENTURION
BANK
World Financial Center
200 Vassey Street
New York, NY 10285
plaintiff
09-7487 Civil Term
V.
HEATHER STONE
9 Westwood Court
Enola, PA 17025
defendant
ORDER
AND NOW, this
day of
CIVIL ACTION
2009, upon consideration of
Defendant's Preliminary Objections, the same is granted. Plaintiff shall amend its complaint within
20 days with more specificity to enable Defendant to prepare a responsive pleading. If Plaintiff
fails to amend the Complaint within 20 days of the date of this Order, Plaintiffs Complaint shall be
stricken with prejudice, and the above captioned action shall be dismissed.
The Court
t
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
AMERICAN EXPRESS CENTURION
BANK CIVIL ACTION
World Financial Center
200 Vassey Street
New York, NY 10285
plaintiff
09-7487 Civil Term
V.
HEATHER STONE
9 Westwood Court
Enola, PA 17025
defendant
DEFENDANT'S PRELIMINARY OBJECTIONS
FAILURE TO COMPLY WITH RULE 1019
1. Plaintiff has failed to comply with Pennsylvania Rule of Civil Procedure 1019, and has not
attached a copy of the writing for the alleged debt.
Wherefore, Defendant prays for an ORDER directing Plaintiff to amend its complaint within 20 days in
lieu of these preliminary objections. Otherwise the complaint should be stricken with prejudice.
FAILURE TO COMPLY WITH PA RCP 1024
2. Plaintiff has not attached a verification signed by the Plaintiff or an agent of the Plaintiff
pursuant to Pennsylvania Rule of Civil Procedure 1024.
Wherefore, Defendant prays for an ORDER directing Plaintiff to amend its complaint within 20 days in
lieu of these preliminary objections. Otherwise the complaint should be stricken with prejudice.
(1/1 7/C-p
Jq§eph Sucec, Esquire Date
Attorney For Defendant
Bar ID No. 74482
325 Peach Glen-Idaville Road
Gardners, PA 19446
717-315-2359
Fax: 717-677-7876
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
AMERICAN EXPRESS CENTURION
BANK CIVIL ACTION
World Financial Center
200 Vassey Street
New York, NY 10285
plaintiff
09-7487 Civil Term
V.
HEATHER STONE
9 Westwood Court
Enola, PA 17025
defendant
CERTIFICATE OF SERVICE
Joseph Sucec affirms that he is the attorney for the above captioned Defendant. On the 17* day of
November, 2009, she sent a copy of the attached preliminary objections by First Class, U.S. Mail,
postage pre-paid to the Plaintiff at the following address:
EDWIN A.ABRAHAMSEN & ASSOCIATES
120 NORTH KEYSER AVENUE
SCRANTON, PA 18504
ee,, Lt Z
!as
J eph Sucec, Esquire Date
Attorney For Defendant
Bar ID No. 74482
325 Peach Glen-Idaville Road
Gwdners, PA 19446
717-315-2359
Fax: 717-677-7876
}r r
•
il�rri+'•'xr'
AMERICAN EXPRESS
CENTURION BANK In the Court of Common Pleas of
. CUMBERLAND County, Pennsylvania
Plaintiff Civil Division
•
vs. ••
•
NO: 09-7487 CIVIL TERM
•
•
HEATHER STONE Praecipe to Withdraw Civil Complaint
•
Defendant .
•
•
•
•
•
•
•
PRAECIPE TO WITHDRAW
To the Prothonotary of CUMBERLAND County Pennsylvania:
Please enter the above Praeci.e to Withdraw the Civil Complaint.
Thank you,
/AIL,
,ch.. ` atchford, E.quire
brahamsen Associates, P.C.
er ID # 86285 `=
120 N. Keyser Avenue -, cn
Scranton, PA 18504
r- _ -c.
CO
IN THE COURT OF COMMON PLEAS OF
• ' " CUMBERLAND COUNTY, PENNSYLVANIA
AMERICAN EXPRESS •
CENTURION BANK •
Plaintiff : CIVIL DIVISION
vs. : NO: 09-7487 CIVIL TERM
HEATHER STONE •
Defendant :
•
CERTIFICATE OF SERVICE
I, Michael F. Ratchford, Esquire, hereby certify that on the date indicated below, I served
a copy of the Praecipe to Withdraw in the above captioned matter by mailing the same via First
Class United States mail, postage prepaid addressed as follows:
Joseph Sucec, Esquire
325 Peach Glen-Idaville Road
Gardners PA 19446
Edwin A. Abrahamsen& Asso v:tes, P.C.
Date: October 16, 2013 B A/LIc!AII
Alit 'fatch ord, Esq e
4e No.: 86285
120 N. i If ser Avenue
Scranton, PA 18504
(570) 558-5510