HomeMy WebLinkAbout10-1393y
IN THE COURT OF COMMON PLEAS OF 2N! P FED) 25 E") 4 7
CUMBERLAND COUNTY, PENNSYLVANIA
AMERICAN EXPRESS CENTURION C?''
BANK CIVIL ACTION
World Financial Center
200 Vassey St.
New York, NY 10285
Plaintiff
NO: 10 - 13g3 0,1vi I -rexm
vs.
LAVERN FREY
74 W KING ST #4
SHIPPENSBURG PA 17257
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 O
4g0-1 .00 PO A11-q
0xv 4161
0a5moo
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
Plaintiff
vs.
LAVERN FREY
74 W KING ST #4
SHIPPENSBURG PA 17257
Defendant
NO: ID _ 13 9 3 6\vl l ?`
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 LAVERN FREY (hereinafter "Defendant") is an adult individual
residing at 74 W KING ST #4 SHIPPENSBURG PA 17257.
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 372397141011007.
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,
372397141011007, 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.
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 November 2, 2009.
10. The total amount due and owing the Plaintiff, is $11,563.30.
11. 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 $11,563.30 plus costs of suit and any other relief as the Court deems just and
appropriate.
Respectfully
Edwin A. Abr am n & Assoc.
Michael F. R chfo d, Esquire
Heather K. oodruff, Esquire
Attorney I. . Nos.: 86285/207805
120 Nort Keyser Ave.
PA 18504
Aa,eaa-law.com
hwoodiruff@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.
v23 670650 7/19/03 5:02 PM Page 1
Welcome to American Express Cardmembership
rhh d oci phi nt a!xl the accnmp:uodng vq>;)6m1(1110 asn1irak• Nmf
i;:re'c'nrnt. Fkasc rearl and kmp the ::gnrmcnl..ANde M' IN krl e. iiNbii
,fill Siguu rx use tie Canl sled In viol l itxindinc elan rrimil or
iepkxritent Car:.). re Inn lec llx :dmula asvx!aftd wit) llos.Agrtem in
hour •',kxnttot"), )rat agm: in tile erns nithis ApevnW.Ilk ar o),
°rnu: "'rai'and "texas' ran the peusoit silo apitlied find it a Aealunl
anti file ixr nt to whom ac address bining stakitxats. as sill a any. moon
wino agrees to be liabk• a) file Aema lu. llte" ll sic Cardinanller' Is the
p(ison who opened dic Attrxmt. Al )nur nVie%tw mae All iIalles Card
of )'our.Aanif ttto another person (all -Additional i rdardxr").'iix,
tenn 'Grid- n'lins to the Anter!cm Fxpns` Gad KqW to)ou, an otlxr
Cards isstierl on t0iir Account, anf any At device (such as:tanunt
itun d,z) with allkii mi mm access yourAamol. etc:' .'our" and
n4ei io Anr,*oi! F•spr s Grnturkn hank, Idle hscerIAmurAcanil.
Using the Card
1'oo lllai IN., !he' Gail w ob`ain Xiod+ and si-l" ict5 fmm ant liewit rein)
;!ritlAs the d:ani'I);ais:xtkns \Lal Iltakd.' in nw.lxalM'rn 1mNnakxlal rAf'rn
f(1m lie will h: suhprt to 11x 1emK (A (o:n prnnlirm and )hisA teej mi. All
:nwtu;t dtmrMa d) )nlll' Ara))Iilli 1!eltNhOK C11:1f1,R, fir plnll:6,. alntll:il
ont 6ri (s). if an:.:an :non not p; cnr,+nkxri by :rx of Inn d'art rtlxr fat ;end
Fin;n!a: Ch;mgs, air h,^:r?•s." Yrol agnn at inks ail lervn m- a
Lard coil dpi a i::nilnxinhr -roost r)ane i an i! sal agnn n nvih It; if Iii
nlhlst )rsYdutdu'taint><xi:ithatitnhn.tguxrinitlNxnr•a!r
Itim)ssiow Ut1.greeIoIw-tlx:,Ail.•'untinhfor pnalimsthalawh,linl
and:imlxenn!ucduBkrThiskgreirlent I•setplasrtlxrvienruintlhr
al>I)Ikd)Ic law, we soil! at'x• regNtirabk' if alt nerhant r(lt?. to lxmnr
the Card or fur any other faro bk;m )al mae. have with a axid'hill
The Carr! h:is nn pm-kisi e•xfrm Ihnil Wm rhar,y hn-afu;l_hl in liod of
yv:lr stxiuling alxl pa)nxrl loosens rot ;ixu.kxxnna aryl ntvr atronns
it l!r ton Iiave with IN and om ainl'raks, car cuikt hisan, fxinkng
cxlxrhai,x, with other cridilxs and tau pers oral nsa!nzs koxm ton 1Ye
nNsive the, right todea)y. aho, mps-t fix nuthorixaldam fraOlaf rSe n )
aNt!i"I"I ,:ulditionall4formaliamfn)un;tnaat;)nytins
%M; m n teas sou nun+:a1 dW R111.101 110-111 ('alrlsixiix(';! pnMWI isixri
Carl rmilt±.
!f :pit of an .kithiilr a! Cardrounir. rnithod/e a th!nl igloo w lill Cha,cs
on i nt•nrrinx h.ws Yt vrku kiygrl t-'Ras!ring 0tarvt'is)'), we ma) (b:t
;!m not leipiim! In) pmyidk stet atoll iroly with tixirN01nt Aartutil
stnf is. Carl n(milrr olul•'w rx!lralk9111am to prrm!I that find par d,
rID!!in)h..IHllinktd)nr.AmNUr 1k::n:n lakc•sichsttps rao 41tAIr:hxrunt
numixr d:h!mf:(s or l ate isv. x a ntx:hal rx nqA:a.nXimt t;ml M tnu m' :no
kkliti•nalC;ndnlemlxi RI ;•.ithdrtwa:uhovirnidm!luxReclining tl!arp,
r.m men.! nntif) the thin! park
Promise to Pay
Yat prance 101,n all flan es, inldnnngCharges itxltrul It, #kitional
CardincludkYS, an stir A couml ibis promise inclaNles alto dirge for flitch
tou or an:Adel iaial Ganlmendier indicated all inkxn in loan file Change,
even if you or to AlditkALl Otilm ember have Iol si o d a dtarp• krin or
pit."ilid the Cant You also promise h pry any Charge inaried by anlale
that mu or an kkfilio )al Ginkixsdx r let use the Old, eiti lhotgin }nu
hole agmd not to ki antax else )!se' file Cant
Status of and Responsibility for Additional Cardmembers
Additio,ml Ca)rlmemllen do roar have aarxmLs with its Instead, flitifare
:ini!kfinrl usas oil )r):Ir!")unt, and lite Cane tstwd to don) mac I*
caoc- Ihvl h: eou or us at anv lone. You moat notify is in, milke an
klditiotial C:uil!nernher s parnisstmii :o Ise mir Acovnl. You in,
rcy,dne ihle under this Agrern tul for all use of hour ilco u!t by the
Additional Cardmelnt)cr. and h% a:colte else r:xn or an Additional
(:ardnu:nlicr leis use OW C:1111, and file 19nrgis tins hunter ail! he bil!c'd
i(. yoo. 1oni I are !.his n'yxnsdhil)tF men if inu did not, friend for on
Additional Ct:admovibm %wher,x-m)n. it, lax the r:anl frN arc
traini;h1ions.
An Additional God n('ntlx:r is not irable fm Char;;n !not:mil he tx Misic
anlnmc•nnitror byotherkkdiha)alC•anlincinxn.H-me ..!neachuse
of the Additional i;and in irtir Chides. the Adldit ndral 4ad ne nlx•
indicowshisorher agnvvenftofryits for innCharge•if}x!fail ,or
muse to par it, and we may. at our dscaetlxt pursue Additional
f..ardluenbers for patnxiii of Charges they incur or millo le Yiou
mthorN& its to pmside::kcuunt hifannalia) to kklitiotell ca46txirlbers
and to discuss he.k count with them.
You ugnc w notify eats) Addtknal Cadnrtcniher. at the fine Ilene sit
becoaxs l .Adklitlnd CanaXndxr that we may receive, rural. asdhanp:
anal teee infnmuatfon about him when in dx'saie nnaiaxr-edlivail
hifi mmi!txl ahNa mu. is dcy71bed belay in tie C(ASCMER R11'010N.
'111.111110R1: ' I! N, II'URIMP.F-(SRti)MG. and SGSITiQq(rv
t.A\Cr•.1!Rf!cIN IM101midtihisASrdrniot
Flexible Payment Features
\\( an ahhlsr 1odial ar lri,eadikilw mill, :Almeormm•siturial
d,:n iooour.4 ilnlThalftivou illnext ad lxr,Inaa,.,rcaritsCr11ges
d!•.sigtr:l!50 h eti. io this .Apietnxlft each it fix: a 9xrinl Adis is 0-110 a
iFatun?, Theti fituures nxfcNk. fx11 am ixA limikd n,5„!?1'ruel:
1'.x!l'nieYl i?:1'• nx•iit (]Iit'xF. !'kxs('lerl;'? sill ilrt;ill( IxxiN'zkrCll ntli\ rrL'
ur.:t make:.
The Sight C't'rr. d Featurt• permits tdxu, if eifgible. h mkrxl I1nixr11 for
airline tin':SC cruise s(rq) Ides. papaid four!r)chages, artaiit li targc,
nude out.A, tote United Snt?. ard:rc ntixs• (`harlots (ksigitatvd In is.
odid f) im Ihk kiabar.9lax; areeligible. piu m us', rttrrahim Ilm
urns a+,tr)t. aidirle, dr ritxr irnel inthstn mm?•hanl That )tat cicn In Igo rt)
-1xti +;tping ;utu Aaexao number for p:nmea at iin tins of pulrhas'. or
follow: airr prazrhms p oerikyl by I*-
llx•I:xMdtilf"mrrxr11Ollkr;!iermiis)ht.ifeligibl ioeslenll.avltaintfor
arn cligihk Ch;ilges br arhidng us roe tinx+that yah wide In dot so. if this
i atum u okkd to inurAocutuil, an of )on edigilAe Otarps will le billed
under lfxeFxktdellPayment ()IUlooliminmofrrnuActionot Eligible
(hxrgrcs cram daw iviriduat (harps hall ate al or ttbmr the tltllar
arot!nt diwl(neil xrtal Milm tat enroll in this kalu e, or any oiltir
anvxmt designated M its ilie tlfa+ing art examols of Changes tidal :?m
urn tli,R)le fdurges t:slrGls Gish, Atix:•rfcan Fxpnn, 1)atrdin t 1XgiuB.
Anlericall Faprcro" Gib dX,lac Privfkpd,witi.' ins uru)(e, mil estne
;ji-Aod irtrarisactimsIlxnninedbyits.
I'lk 11,NNt hil R-Arm penults text, !f eligibleand poll n1IuV, to mllnd
pavrant + f fir pn'-n flit ball lla du a 1x)ninn Ili-risk that :qqr ri rill
sand billing -Aakineut.lieminitnun annnu:i fill which vat net% Mild
pill mntofanrim lin4yourlim-41)-t!dlhakrapamxn1ieS!nm
11x Hank 111.Iy change i6rk- putrcx) itwh:n dear, s are diplile for t!r
Sign: F'framl.Accrcrl anlInt IM lskixkd i',wmli! iilni,ui agile' (into
Am Ch.vp that am not eligible fox t k )dill am ) cr an} ahertic'
eliphk' (Lirip'as for wttclr trxi loan ektttst of t o::kmd pa)nr, it, will hr
old !ht full ution vixtr rttittppt A life hilling staUarlent..A k(iElmxillt: arn
Chards ii,cvmt M ;r tirdimmtinbcr tlx: is nrx eligible 1+) ter red' d Ue
billingstafirx:nt.
1'eallit s milt also be" t'1 hill ugxxt ,our itwipt of the
Billing Statemeubs/Amourn Due
'!Ott mud ntih is imamiakh• d art &npe in tx! mailing or e-ina it
acldrtsfowlliCllw> ssdbighuKsrak+rNrtts xnotiasthatabilling
sialenxnl has hat posted ('11illing.'Alm '). If tat Wish a Rilliogkkhrm
change k) apph• to ram thm ate amxtot 1('11 ntair,htin will) us. (In nest
mil s Fan agdtt that re' teen also uixlak par Billing keens if nr midy'
nfantatkn dial rixwBffiig:4kkm has chanprl or Is iuxomtt. Yxc algih'
fix& lone; (A this AFp_mrnt that vary hr stain :trending in vixtr (lilting
41rcQ Rfer) we or(' w inf)rlas)II lim t:vu have eitanp-A tour Mining
Ark(r. a, Ilm-terns d dn%ifi)xtu that vary drixiddwit on One s aka of
feu iAniu g Arklna? wig apph to tie uuin: ti loom d )aurAoakrt.
inrhNkng exstifrg hmtrfxs
'r:Kh hmllingslatrntat(wiq nihri a Sri:ISaiL•drax cud. if moor hll:dive
nduxks thiar s thalami rvt a fF fi:;kur, a ltininn:m kunnnt Dtx.'1ix•
'•Anxntn IRaf' LC III- torsi d Of t ;III (harp s m mi ur Aats,nl other than
those *,ax itil with R•snrtm pits (ii) the Minimnn Anxxuit IAe
)desmlied liekw) kv tie (Inatz awai esl with FeAun,plus fill) vol
patkn dam preekxuly billed Accunt lktc that brain unfl aid. llr'
Anxxuit IRaes (lea: sal paral)k arc }ant o(refr tlx• hilEinK shalt bison. ;tat
nna' Ian nose f!rara ilia Anxmnl fills, late b hm hoist ba!•a;va: on}'(ail
Attounl, al ant lire
the Minimum Amok Due for airy (hialg(5 as5xiaW tvidn ft'amnis %I In he
nixed n the nrx wlx)e (Iliad if greater than SA and is Ii c prod d:
• Vi()[hof the tnudiiedkilatxrof all Yeatur:sonlife (Insin•; Itale little
hillingstatement.
• iM current tilled finance (harps, or
• ,ty! (nil the ard)inxtl b3lsxz: d an ti:Inin if ii s less that) ti.?).
fhe Minimnr Amonrt line will felt eu).cdd the Nov Bakarot.
Payments
Alt nan•nxns cent Il -nt to the juprient itildrtas dram on Feu bilikig
sfaltgncrR sod into ix•bxk the runit take anpau fan your billing
hakitnnl. PayTncot erhle tgxxt ynr wtxgt of the hillingstamnxni.lnu
mist p: n' as to I: S alrcecr, ti(iu ;I sinKk• drtn or chic -. drt%ii no a 1' S.
bark and I+ar:d*-in t-S. ddlars. ur w Alta nQuiti3hk hedrulleni Ira,Bble !o
C.S. dolkrs ud(karabkthnxuFtelm t: S Ixinling s:Man. a tinngll ;ut
drctnaha p renxsn nuethnl ck ir)Me tenon it fix I::+. bankin s)s1trn. Your
Account ntrder ffm he minded on or with all pavuvertti If we lec le to
:Kate a payment nuke it a f irign akmX1•. )mitt au lhoria' us to doom N
conversion rite that K aXPp(aW 1c. it%n frlmT.it )ilex renmiaalxe into 1:.S.
annerPl,11nles a potirular rte is rcgroml hr law
i'atnx'ns confetiingi) tie atone nulutirente is that ar m -hie tun take
than the how s(totiticd on your lrlhing stakrnent will be credited to %our
Annum asdtteiinOVIIAL <Itttylintsconfimingtotheabm!
noTinmeihs shat wr m7ehie situ the hour % ectfial(fit )rxr bilti g
statenxr It will be codified to your Aaoun't z of the kAlowirg day.
if papueut (acs fat amkxnl m the requinments sited ahnv au diling
may Ix• del"( If his h*)ptsis. additional Climpts ma)' he inr,•xord. V1•
11131 xixxlft late Imcnten(s. parfial patnimis or air, payouvi loaded ;s
Iwing patmett hl fallor:s Ming stuttereni cf alai) dispue -41110111
1(King ar,r dour ri,,his tndrr t)is ;gnrrunnn (w unrkr the taw.Our
amrtanm d am S hdr Pomona ins n t :ran wt ignx to chant This
A);nenun± fn arn wx !'mi oleos: Ih:n wrr xrxnuna rAsmmh pa)nuns
will ern ,rinrak x an da)d :will tatiS(acliun with,xrt Mir prior expnss
wrilmn ;gopmval.
Suf,KS-l h.) dr/yrrlkrtfaC krx. u, drill «/ylrrrnJrrllrxtrk irr;sn girls untl
rratlifi? lace%urg !'mbar mud a,Ynrry(s ore ?r,trr: kxn,•arf in .rrr)• orr.4•••
1
aorl nxnrrxrdrrnuirrarl bt rot in nrn• cue rFyorltinr. In rn)sl u"?[s, ne
n•in apple sd aiocale h!arnxrm bk::tum hntrlxts kso, and (s»atg
14ahum balances) foss in iiaue balances at kxyr Annual Percentage
Rates ('APRs) and then b hWu MMt Feamm Mlmices. In roost cards.
we win ;ggAt pularbi <• tmka fuss to the balance fan witich the
corresporxling debit rxigi)xtkdt I kxrutt kw serviehnig. administri0m,
aakrustr after bisilxsss hrasrirs, ail m:n' apple and alturatep:mrtcnts and
credits among Features and to (barges on youu.Accoum in snore' other older
or manner drat v e rally determine it ail sole rkscnxion. You agree that us
bare the unconditioned right toe mist, this discretion In a way that Is most
fartaable or cnirmient to us
ArNroriretion for ElectroRle Debit to Your Checking
Account
uh resent the right to phncess dab ekctra)lally by dnrsnitting Ole
aln)txn d de dark, the. mttbrg n alber, aanun nwnber and ehol( serial
rIunirr to your financial institution. fly stdxntaing a claid for pnnatnl,
yin auduxtm is to hnkkrte m ckxaonir dr1At from tour hank or am
8arxat. If we, ram wrr rhnttelectirnicrlly, tour pa)uent mac bp.
(Oiled k) viler bank or asset xoxmt tie swrN: da i we mxehe vac rixrk
Aisrr, t ae pntr$ your drxk Ci dfuniall)', y u will dial nrft Mat
ranxtdkd check ahit yxr Nuak or assi a(M xnn sttknxnt If %v eanitnt
(,)IktI thr f ask cectr ttirA. wr non iv ue a draft a^phist wrr hank or
ass i variant for the an amF d die ciXrd;.
Finance Charges on Features
4. Finance Charge: Ixyjn to acenrc for uch chnarge as if the date it is rddtrt
t) Ile "hi balance for 3 Feaoue. as discribcd IXlllre IIllim-er for
f1lanA!s t(iherthan FmmIce charges) drat are added) n a balance
auMmati'A no FinanceGlarp will axme in any billing period in
which to toed Account baEmrxe at to Closing Nate for the pmvinus
binitgpaad is am at a cmh bolas e.
R. Each Feature is stl)jut to thes9nc [kth, Periodic Rate ("DPR'), unless
ae notdr)ar d heawir Fyapi an provided Meow; Lie MR for eacl)
reatin b baffled on sn APRwhidt may va x The APR is the Prins Ram
(described below-) phis 9.9r A DPR is Villith tithe APR. Your IAlKs
adAPW appear on, lk accompanying supilknXnt(s1. When an APR
dhanrA we apple it b aw Riping halanE snbpet in that rte.
C. The -Pritte Rate` is d/,ltir aned"ae with IagW to each billinK MIO( ,
and ill* to the fertile bfrfKpcrial 11 a Pricer Ram for billing periods
ending, in at;cllendtir wi nh a the highest Prime Rae published in the
Maxi Rail section lorsoxteaar satin) of 71 a IFrrll.WrsxJOIs)7krl at
the lst or Met tun (m in earli case, if latch date b tux a htsint s dav. the
fx11 tAadnrsc dram d theprioralcrxar nNxiih. if 71r Itidl.4rztr
pxrnr(d ways ry)Nieak rt or rats not publish to line Gate on either
dA 44rce(aks arras R?r b tluc 1'rhrc R:htc polisMd in son' I)4na
cstsgraplr d p rXraltiicdatodt in M1e owl Aew Y'aL a ad ray
safstiaoe a siorkrt Itiensice rake at our vale (fstrdon.
1). 1V I1PR (arrdcomspnndiMAM al all Faults tray incimse to the
lkimh R* d d a;*the Reirkm tiered (it your Acuxint is delinquent
on theClnsigDate of am dlhee billing peed* (f) your Account's
"Icl re t an die alsh g)ltileaf oily than oraaaine billing pe i*- or
tin) on twoormae agora a panfxrt yobmiltad a) your Account is
not IxAxn ad on lust pmentmae Your Accant will be cautdered
dlc•I quenitdpatmatddieAmouminul,franabillingpriorsnot
c rodhal in war A¢aat by the Closing Date of the o cid billing Ixiial.
Tlte'Rakrs itrkh- blue psad, (ax6dloingol)pluximakh. ax )i'ac of
Ndw rnmeati+e bigot" prior tiding with the Casing (lam of the
crmM bAftperiod. whether (w not )au mocked a skumment ktr each
su ti Nile ftpriod. 9 the (kiaih Rate is altpied, q will apply, to your
Amxhd for Ia0m curs rutbe Ming Ile rkK begetting with the c.mtmt
billing peto llae Default Rase will not apple to am balance for Features
units it is hqlhar thou tin rate that %mid cl)xawise apply to that
hlaram the Mari Rate is a IWR 4.06s7% : whet) consp ndk M ::n
AM of ;ilm
Average Daily Betaraea 111et)rod for Calculation of
Finance Charges
We ist• l eherag!: Dally Balance method tocalatrle raiance Charges on
tour Aroxmt Under lids nllltad, w- calculate the Finance Changes on your
Amount by applrhtg the DPR to ire A rrage Daily Balance (,cis *scribed
Ixdar) stem -fir esh Foulne subject to a direr IB'R (including
crrentiraeagiora) lifmttDPRsnay, be appliedto seliarlicelk mm
balanoa.III) gelfir helageDaily gahnsforwell Fedom,ae(I)take the
beginning Maine, arcKh day (including unpaid liitaxi: Charges (mm
I n evins Willing pednds). (r•) ski any nrx Irarsactintt debits, or fns, (3)
subtract amy p *w* or QBRts lredhed as of that d n. and (h) made any
IMMIfit-. fpairatra.l-br egabrfrn ajkr*eprs(day gllh• Gelling
pt7ee1 err i AP A*(ar tarxamrg(mhn'sl a7ASd In lbeJxtr4orrs fkp'8
kdiri4inorserdljurthr&DirIR/w ode 1-Whim. 'n I I s gks is I be
daids Irlann for de Raw for dent day and die beginning balance liar that
i-canr: for Six farm ten' If thsbahnce Is negalim. it is consklefird to be will
rem we aril up all fit-daily hatlances for the fcmtm for the billing penod
aild digit the: natal br the row nherof da)s in the billing period. Ilds gins is
tM.ArgmW i?adt• Bahaxa kw than )i:uom.
F,r all Ftaams Hit Merl Paih• Balance for a billing lxi iii will lx:
eaosidend to be Y1r0 if yaf paid. its the fl sing )late of the current
billing pered. t:C iral Avant balance. K any, shown on p ur previous
v13 670650 7/19/03 5:02 PM Page 2
hilh;he,slakmxnl ifccmnml!iihhdn•Avrr,(ge•lttiklS;d:ma•foreah
I :acre by the nutnlrr of tl in the pilling Ix r will and the DIT for that
Fe:uurc. ux, )stilt will he the Finance (,large ammo on that l"t'jille.
u*"ajA tar variations ensal k rwmdinL '111P . total Fimncc (.harp, for
the bitting licriod is c:ac lmol he AdolL 11x! Finarxx Olarges amssc l
nn all Rmlilrs of toe Amault. 7Xv ImAotl f,! udada ing I tiw Atm(tr
/krill Brrlnu(v:xrr! /'errrrrrcr (lu r;A(n refl., Ur rirnl9 rn n(rurnr!5{?
nj> nonce f,?xr{o;a. Wye mar nett' m:nhrma!ird formulas which
product rquicakat rcmadts fi enIcul;ne toe:Yxtm;te R1111 Balance,
Finance Charge. and related amounts. For example. we may ntilim
cnnlpufe' programs or other mniputalfotal methods that air ikdg:xxl to
procure nlailxmalk dh• equivalent results while using Imr mxl/ra
simpler computational sngs than are de crilxd in this Agreement
At our d scirticn. hvt oun exclude aitafn ca)egrvies of"it trarstutimism
tnS from the cak ohillom of the dafh' halanxs. Unless im ekx.T is im a later
dale wT alto it (harp. In the daily' hada ix as films. Frx Clmr,!p fedv
thm)pirim eCharge:) that ateiWI Ina halatxt autolathk wr:dld Ilk,
Charterto Ole appngxiale(dailyhalarKrfnsfire Ieat rem4tiledak•file
Clial;gu is posioi to t m:kLrtn 1. For ( hag, s that are IiIA aill l m a billion,
untonnak:dly (e ., Ili rtSpxmse to i SIMAIc trmsi'(•r nvpxq), wr A the
:'harm to ills ;ygmq xi;irk dolts hidanve kx Ihc• R-Atlm In ul llle dale \\r
!i4xX ;c tide rRItxS1.
I'Ctlraie. Fin:nox(3mrgs tin':iblel b) u•(mnt:uxlingbal,uxx':d llr•end of
the hiking hxrirxf l )rwhich Hn;m [bolt s ;m• rtiadakd
Annual Fees
kSd: ;kill pill in ;;,;fir Accotnl an :wlnnal fox' of $ Ili, the Basil: Card. and
Cat for (<.ich Adtiilioii;rl Gel nn stir kcount 'nce:mined fm I:iraxh
Card is iixrem d ht $i it the Bill fng.kldrem of Ihv Basic C.,irdinanba
nutside the I. meal Stales.
Late Fees
If paymall of ally pmrtfon o (the kllhWnt idlem a (Boling M:Itmalt s ml
credit xl to soar Axount In dx lldi dale after the Closing DatdOr stud
billing Ivrin d (' Next Closing iktle' ). wr ma}' assess a kr of $ty (lawn $15).
its :xldi±ioh, if myihcent dfix;Anhmntthe is nit cralifd hr fixkilknwig
dart d;irxing Irate wr m,w:ss,>ts a (ostler hr in towel sane•billinagpaklil d
the givater of S•iO (x L () ti" of the khfnlnl the that was not milifid lg that
Num U,ning Date (,Iowa $15). if paymcnl of fix, tidal Anion in Ike i add
CIexliled ht SlxtkS.ii:r lest ( (MIIg I )l: ft wr may asccs a kr aped it tI e
,;mater of $:W) or 1,A. of tin Anxxrm Due tint remains Ixx atdhal In each
atmtishvNext CloningDate (hrm$li) .
Other Fees
1FC orl'dlarg:Ihc ktlming lus to mo-Accoxnit 4blea to ipifiA* Im
'. 1)i,i ononal l i«i•ntods-Yoe' nlrn dYwnv :I fee of 01 :lila%ivr air.,
heck. similar irstnurxr:L rr deoriuic payment (loser that weium as
payment on vxlr Ammon is not i old red upon lost prom-multen'.
If a Canl is prelentod in mnomli n with cashing a chore :d an: nxricm
17xpnss fetid 'k-nice (Via! or other:udldxiaaxl fixation :ad Ile drat Is
not honied, w@ urn Charge, a fn oil $39. title will aiv, aikt a amps to
yoor.krrmmt in the anx,unt if fix•dxrk that was; rod limmed.)
2 ?,?y)kce rf %Imneorh'-1Ve in 1. dmrgg a ((x rf $3 kx eirlh hiRkrg Aerial
I'or whidl a aiih} 4a billihlg staler neat s reltueml. We will me harW
diLS fee foram ngrxsl fir a ropy of any elf ibe billing slamnert6 for die
Ihnr billing ixTi xk rmniedmely prior In the mixed
3 . tens t/ Rr-r l¢ari ig !ix -A4'e unit, di area .I m-op ring fee of $.i if
\mn :4•riunt is ruxtikd for ante ri and wu rxtn:\t n'iilstafm nt
altdsnldlnrihh:$ SIxtf>ril.
Suspension/Cancellation
n ::hlitirni to an; rBlxr;xif(ntti uc may taken unkr tls Agnx•nfnil su. may
susm Ill or Cann i inur Amilild, alp Fcalle. nr arf} omKnrxltl d ?,xu
A;,nnnL :In,l%nr wr may nrspcrtd ar r;ui,11 tie aulhrnt.uixl iif :en
kklhiimal(.arlnlemlx•rtomaker(,har7y Fnnn•.kerxun.;:Irmryle
div:mfiun at:nhv Gnx•. with ur \vitlud,tn c;ahsc. aixihe o nt xmr Ac(xxal's
in (k labh. old withal ghi:lg ytxi not n; suhjai to iq t mirk I n. Ain sudh
actor on exit part will rxn crud yonoidfgaion F)!)M all Clragasdm(al
}nods kaxln;woks the ;ems d>C this :4gnannat it of ei at ilie ihlle dsmdl
ar!im or as sullseq!mtly anxaded, arf km :)groat h pac as alt hula
Charge respite any stud/ diem. We ma' advis a third parties witu atigt tlx
Cant that the Gad(s) (weal lu you ant9or +Lklitional Caulnxmtlesshaw
tarn cmaillat If we (-,uW lie Card or it elgans. %nu may no loo iro it
alt! gnu must (tattle, ft or )tern ft fr m a if we itigt[cs1, to a [hid pare.
Vim wan! !(I ern eel tle k(riwit o' am Additional ('ands, yam mast rite
us :n:d ikstnn'tlx (antis).
if itt agar In winstale tour Aarwnt after a caucilatat, to nevAgmemcart
ar send yrou (rx: fl wt dk, amt s(rd ruts a new' A.grmanxtht !hie Al;nmxn! as it
net; Ile anuundal) will -bmvrn }con niistatal.Attnuut. Vier we minsae
yvirAcmwt, si ma} misdate allymiflioaal Calls KRIDI ill nrxifYlkrl
v0di tsar Act mill. and hill ere the apl,fitible annual kti(s).
Default
)N(I urn mmxkr hmr Awcl l h Ile in tkfaul! ai and' flux: ff m (ail xl ply
m :x;h vm musil 41x9 it isohre. or fl pill b"ich any fdixT prone ix
o,blip dioh wxer thisAgrecimmi
Soli.) lei ahgilfrtIAL I:m, wt may An mnskler :our krawt m Ir it. dhik
al am: lime it ea) siatari nt made In ems to is in ronn tuxtt with this
krol ni or any (6 r mill pmgmm w:i5 false nr mfakadin; if lea laeadl
any pinmse or obligation under any other agnrnlait that hnu oury have
lei h to or wilt :one of our:dfiliaes if we reciKe fdomlalinn fn&fling Lhat
COsi my hankr ia, intend to file hmdxuiYp; or are unable in par yrurdkfis
as th•u • lxmnve dur. or wt rmeehv irflormlitxl leading us to mrirltdr that
you am (Ahem iv' not cnxkawdhr. In evaluating your amitwelfdlirea yam
agree, that wr may rek on fnkinnafpxh contained it, onasurner rtldlrti. and
run (1-1 "(60
in deardsere newenrtccosidertxvuoexItit4(kill%oilan?iare:mL,
roonirlnd fa mr n5ilir Y ix ain (Aber of %ouf crolit d:arlckYL51uli.
n g )elks t (yang lxTfrnanm air ihm.;(vomi!.1Tc may also conshlet ):mr
'mnait Ili Mall in tx min ril mir k.ali.
In the i1r'.!1) (If y+xndl'f lttt and Sld!Ietit to alai Ilinll:nklnn or milifnrnenll
of aplAnble law; we may n(phire i,iwnnm! of a 1xAikm ,lf tnr notuadling
Maine rrvirri 'tfl:m the' kcal Minimum Aomori livic Jnian: the riltin:
2nxtml of yrxrobigalkx:s Fn is fmnxdiacly doe mxl payable. and/or
sitslxndercmal yourAmmut.:mr amndiaent of your kxutmi mdoor
:mr Feature hit may Ile rdG:rtx! in Connection with ix Arronlt Y'la aura
k)payall reasonable cogs,ilteiidingreasor k•aliornq'kcsinnstedbr
its 0) in awn erflo i with fns aolkxtion d anv anxxmt title no wtor
:lancet whedier or not un arhltn Ilion. hfigalkm, or similar prixeildings
are inflialef, and (2) in reasmtahic pnotaYing )arts prat front any loss, h: inn
or risk Mating h ava'IeFlolt nn mir Aaom:t
Transaction Made in Foreign Currencies
If %ou incur a e3to -- er :r Weign conuxt', it will Ix cnned:d into F.S.
drillers on tile datitspoxmilb its or oilrernrots.talesaparticllarrue
is aquird br:ggikcx`te law nai aulllnrim us to rlm!sr a exxntrskm rate
that is auxredk to as kx !hat date Ctdr nth; lie ronmio1 rte wr list, for
it Charge fn a f rri?h mntrv' Is nn gr eater iiiin (a) t.x ligh st iAxial
tIilmaaitxl rate published bh a gm mnxat i evc:. or fill the hfglxst
infrha d, ansrmun rte itk ideal In' :s from cuaumar hanki: ig 4auos
of Ilk. tmvrrskn flak obt an prior IxISI1dSS day. i:t e:xlI i;uf.ux: fncnased
by N 'Ills monrlann me may differ full u r•dts ill Ati ca lia'dare,0 ;nlif
Chew. (ltangscormedal In eslaldslxhlais (std 1116 afdilxsl l!. (if Ik, hfllal
at the rakes stxh mmddslntx'ns im
Benefits and Services
StJrO x) appfidIle laiv. we fait, life right to ukl, roolffc or d ckic am
benefit swim, or rectum that nmv aeconpam )ntir.ku"a a! any Ifni;
and wifli ui ni h roil.
Arbitration
1 1 jr,w.. ThsArbitratrrh provision sirs lordI tir dhnmsemix-i atA
pros dum tmdrt• wihiil Claims fns iliefinxl below) min ix' adiftrtal irslaW
of li ig tal!ll mid.
1kfits/Gbrn .AStfcd ill dlisixibiuatioi N-Txisiun. file teal , l1vim ax Ins
am r•Fahix digmkrrminamm Im ml tint] uxd is orising form or
relating to yxn.Awsurd, this Agreement Idle Elearxlic Funk 1'mndkr
Sunicks Agnaanxaat, and am other relafd IT prior agrtenxm( that }o! nm
have kdwith!g,ade rlatrctisltgsresulting from any of in ahir
agreenti st'AUcrrlxsis).ilxinkngIlx•calofih.(nfinvabilinorsrgr(d
11 iN AMIrilki , Prrtisioxt or tax Agr lluilu. For plnlxrfs if Ihic AdOlatf ml
Irnnshn')rxi' and"its" also indlfks am. mgxr;hhs pars, orulx,11%rr
mnjoxih cmx vd snbskliark:L afrlimos, am: limn mm, pn.'dlec l m, sixn-sxs.
assign, ale' p!rir rw d:uw aauwtn, all agents nmpk? cm dinrklrs and
o.1irmilatiscc d tun d the foreisting, and other persons retrnJ fo below fn
the ckfnadon (U'Clain:' "Clain' in, Elea dains rd ('very kind and
nature. Wiliding but not hiniwl to. initial dafns, oxinkrdaimm. aa6-
dains ad did diiady claims and daims baud ugxn contract. tout, frail
:uddlxrintentional firmstamas lukiilatio 'Yorrimllow, and aiufn.
"Min- AQ ieixks dains Its ' or agifi sl any third pace using or
porn idnrganyputAxi,senim,xheneftincrnnxrlkxlwith uwacwrmt
dinciixkng but not 6mikvl in. [mkt bureaus, Ihfri txofts wixl axmpt film
Cand,thindparties sbouse, 1,nxid•ornaridpitmiit la-Irhv (m pre lx rM
programs, enre/mrmt,i:reils and mvanh fxri,,rmis, credit ilsuralln
companies. tW rripaWrs old all of lhcir agents, ennplrnns, dip tors:red
representatives) if and only it. sudi third yarn is namal ;s a ropara with
gull or [s (to 116 a (3aim with uragaiisf, ixnI or us) fn a rhea nl with a
I'hnfm aseried In you to us against fix, whor'flhc !urn "Clafni' is to he
ovii the hnnrlesi prrbible nxanhg that will !e eikinxd and in dudes, In
w•cndexarnpilxdwvimwIfmitatiol.anvdaim.astuteor cnol e?-.
shat :uiso fpm nr rmbks to (a) all of dx• ac mint, riled uncle ;nlr of ohm
Agrashxvls, or mit kdanas on any such accmints. fh) adkutisenx'ns.
pmnxtios or oral or writen shlenrns rvdakxl to anv such a mtndc goods
or smrics tkoalxid under any of the =minu; or fix, units d financing (c)
file benefits =1 smim natal to Gnlnvanhers ii, ffixitding lee-hacvi or
free benkfA programs. titnAlnneu services and r(a;mk ppgrarusl, ad (d)
}uur:gy,lieatial for any aekounL 6c shall dent elect k, the adiitra!fon wrier
Ihc Adhtratfol hiattiwt for any Claim that you pnipedt file and pursue hi a
small d:rins and of your state or municli)alm xl long as file Claim is
individual andpar(ingolk in that (port
1W114l on c .Vbftt%ur 1'rrx r l rr AOi sY6rn r j: kln,inidrn/tu: Aaa
Claim Owl be Anobed, upon to elmion Ile' }his or us, he arbilmkm
pursuant to dris Arbitration i'nn'tiwi awl ode mk•,if prxalun, A the
na(xmal arbitration organization to w1wil the Claim is rckrnal it, d mi at
the tone die rlann is filed Claims stall be reftmel to eitlter the t(atkmal
Arbitration 1'onun ("IkA1" I, lA,%N or
dx.Anx' k m:kiitrrt al A?w iakaxl
( ':Wt. as sefeekil h' the path meninx to tic arbitration. If a sek+Afon In
us of no, of disc (hint./ limo s unam lawe In yea ran stall hate tax
right within 3O dal after visa retritne notue 4 i nr elaYum to idea either to
Idle odkT (irgal /.Hors I&W In dyne in arhl!nuirt:: kuins ratoc Fora onin
of the pnurdures, in filea Claim or for u1m intumlatiom *.tit Um
(mrifniknns. conim l Illemh ar folkx.x
• "fdx tiAf? at P.O. aka S(}ly)• Aiilux?apnlis. }iK ;±vth, w:iisfe ;!t
ww w arbitraiot-bntmmm.
• ,IAAL. al 1921) Ataia Slncl, Suite 3+)0, iris Angtles. G 9 N, Iti; cw3site
wwwjalisadraxn
• A44 at 335 4l;dirxn Allende. Kcnc Murk. K9 I(lUf ?; wiisiie usvuadr(ir{.
A7?nifromm?f hbrhnir.:n.: IFAkBffRA71CN IS(I!OSFeV F1'.ARY FAR1Y
R'D7I RFSP1x1 TOA t7ARd, KF311 fEU 1'O1? vJR AF a'iIt 114T WE
RifIT11? IdrICr,41F,71t4rClAisl IK C,O(.R'I'ON !LATAIt:N1"TN!AI.OK
Tit%I'(7 A':kF, IML'ii) {!?'E'11I'h.IR f7.i11i;; ItFS(N)ED F?(CEIrf:LS
PRMIDED MIR V DIE (f)ill: I IF PR M:FJ)I KEN OF '111E ME WAS OR
AAA, ASAPPLICAW.('11IF. ('(NIE7.I•IT'll1FR,IMWI),WF.1AglJ.NYF
11411 'IIIF RI(arrTO 11ARTICIRATE IK A REI'RFSI'MMIVE CAM, IS OR
:tS A hlFAIMR OF WV C.1 ASS OF 0AIAjJW I ' IIf.RTAIKIM',1O AW (IAIA7
St1$jF r lit ARRDiLA ON. FACOT AS M' FORIII BFIM'11ff.
ARB!TRAIIDR'Sl)F,CLSBkr W)IJ.Iti F)K.AL.AF:DBtKT)ING. 1,10TIL 1 AT
U111FRRk:)D'S711(TYOFOR4FTWOUIDII T.IFIDUNVF.F TO(:UCR1'
AI SO IM AY KOT RE AMLABU: IK ARBITRA7IOK
RrslrWiti s rur.irbdrfdk)n: if dews pace' clew to re"t a Claims by
arbtlramn, that Claim shall he adlilraWi m an lydlin" b2sK Pbc'rr Ardl
be no rr„ bl cram&w;Y • fur rust (rims k, be, arMimtetI roe o daa
ri [ion bids or ar bear buydring Claims brut* in ajoinjimm1
nirnarrbdsraf-*,-brlialNI rA,+errrnd/nrblk,od-
Gmhr "biv7roro(berpersonsa 111114. siluorlrrl.11x:"baraws;
mrlhxflp h MdW CURIS is Ifmikd to Clahns Ix•Iwitsi }tint and US alone.
mid l e:ulghalor's amhafn'to a* mmals is Ihnited to :wank b mn aixl
is akloe ktAilermxr• Galls brought iw wu against is, or by us Whist
you. Ihxn• nor Ix johied nr consolidated in admiration with Claims b intl6 hi err
ur a ahst s moxx (Adds than you. unless agreed In in isTitmg h• aA panics.
•id h Ann l nfrrArm:11ls Jybilnifi nn Fr)tTion is nIA. parw:mt to a
!r mietkm ilnnlriErg interstate cnnnxm, :ant shall be gxenial In- Ile
Fnkml Arbitration ,419 t S.C. Su]kos 1- lfi, as if may be anxTxknl (tile
TAt'l. 71x art krdial sluff be I,rnmvil by the apillkable (kale, m,114 11131
(to the kxtentetlfnnrGdik narks fix }AA) tls ii"ratum pmsiskxl shall
amiril if it is fntxsolisnl with die gsplunNe tixle. ale edlitmkrshall
:gipk of'&d k vhb9anifrr law mrsislenit lento Ilxs 641 anal at pifcable
Simntes d kn111tatiars and shall IHxer (thigh dprhilCW reropnfnd 21 i:AV
and, at die timely ref" deid r party. shall pmside a brief uritfea
(aghkuhatin of the pass hx the tkxision. Tllc arbitruiot Immajing shall
nn be gonmxl by am Faferal or stag ml(s (ichil procedure M rills of
m iresim Fitherjaam• mss suixnt a request to the arbitranr to eopaad the
9-1,e of discovery mdor die applicable Code. late part;, snbmiafng such a
n'Qfs must rmi idea ceps in the odor party. wixr may submit at jaT d rat to
the adliteRlr widh a crW of fix diKcxfuru pnwi W to die re mslhsg padre
width fifkin (15) dms d acxm.•big the nqueshhg part)'s nofoe lrie
, IhHi'ord ertal of suds a rcglnt will be in the rile IRsanien or de
arhftralm Mio shall rota file parties of haer daemon within kienty (30)
d*s ddie olijeclhhg frlrli•s sahol C Ilon 'Fhe adiitmor shaft take rrasnnahle
sieps to faminve life prier of irdivifiurk. awl Of b shless fmlks.
J klgmit upon the aranl mxkird h die arlhmlor mar he entered in anv
[mart W irve Ertl( SW 711caabflmkr-s (leciskm wdi Fc final and hindllg,
t•xciryx fur anv ria d:hppett imwvM h fie I Ne IkAVitvr are L am an
atiprd dos sward to a thrcc arhitrafnr p:niel administered by the 5117e
arNhation agar reukn,ulci shall consider mew any asps t of the initial
award ot*rW ID N the aprealfi g path. l he appealing padrslral pare
thin; (30) dars bran de,iae d entry of fix uTiven adsitraGm Mid h
nallh' fie adftallion rarm*artiah drat it is esercistrlg dx right of appeal.
The wed Awl be Aedwith the arbtlra ice oWilkatfoh In Or lomi of a
daled voiding The mbiladm mWlitrlmmil diet not& ihoodier pair
that the ward loos been appealed. The arbitration nrganiaadors will appoint
a tome-arlibawp aael this will cunduct an arbitratkxt parsumit to its Code
and isms its dwMm wufsis one hundmd aid twtmM (120) days of de date
of die Mliviltad's srliden rsadm. trim dwi4on arldx paid shall be by
argmly vile mullM be rural and binding.
Iejaith" r f;;rMmilimi(Aa rerrf ofAvv Any, arhtmIion hearing Ilya at
non atxtds)rafl ra ephrtt in the kderal judicial district of your rrsirkme.
I'm will be aapoasdlle kr paying yrxrsham. A ay, of tie arbftritiah las
(in'haring ft adndrri9mfiais, hearing ad/oroter foss lwm*W Ili- !he
Crdu, to the r" that such lem (h mx moeetl div arxnrri of die filing teat
%ou tXMM lhat tamarind ddie Claire Inal lobe koiWit fn file stale or
(okral cart daasf to ymr billing address find wemld have judsdictkrn air
the (hire Vie sill he resports& kr paring the rrnxdndt of any ad,iu'ation
kts. At yorwTBtta rtxpisl, wr will consider in good faith makflig a
"Iflit ry ahxix d all ox part of your share of due adlitradom kis klr any
Cahn im fnkiale as to whirls soh ,rwe seek abAratkrn sad will not he
ast snit art,.' abkmifas km ill' excess of %vur snare if mi des not pniafl in
any arbitration wits arf
fb ulinmam. ThitAtbNmfrm Proeisrm shall sunim tnmltatimn of W
aammsa Will asrduMBiTpaylrentddie AroamtMarv in full be yet
am, kgal tinnotedng, bt you or us to collect a d14f )wed h)• tfx ether, ail
h:inknglkTbv yon or us, and any saleln• is dyour Ammnl (arid fn the C,ne
dsale,its leronsliall ihph'to6bagtrofanrdidrrkrnunt) ffain'
p(ttiorh d ors Adatmtirxh liriuivm s rktnxtl iuridid a whirdaimd)le
unkr am picgok (r provision d law or aphiX it shall not irmilithite tile
reowningpxtfrlrsddra Arbitration Prrnisah a the Agnrntent addh of
wirkhshall txnikxmable wevi liss,ifwadi, heval'dity.
Waiver
Our hdhre to exal any of our ridlas wider thhis Apilloa n, ordkdas fn
aabahhg any door rights. or oxrwah r of nor rights on :wit orasion,
sell ant krasfiftt awmmx of vxb rights on any other rarsioh.
consumer Reports
Ina iaathol id to West annum er ilea Axltim4 to )rake wb amler
cn'Jk kr dirsra dean appropriate. to obtain and eubange any
fnfonrialmar star maim from aminer repots and other sure!, and
to task such hd0ln inoi for any puoposs, slift" to applkahk In
Ym audvlds to to furnish hhkxmxnifol axcemdng gar Ac min to
allimm xpmft ipmdm or ours. subject In applicable faux if win
beAc+r idamr/lm we hate furnished alim wxrA=mt k) a amunt r
n7bnr" apyaxy is Enamrae. wu stiohkf writ to is at Mx'rinn Express
v13 670650 7/19/03 5:02 PM Page 3
Cn;lit I(mrau ( lit. p.0. Box 7krI, it. Iank:nl'ak. I, 333x)-737I and
kkjttih the syxTific infnnnati on you tielior is inacrurae.
Yrni arc henlrv notified that inlamalkh i aihntyavAoxxult that mar hn:•
a ntg:diye impact on your relit atxxd mar be udmtftkd to i oulil
ItpOning agcmcy if yTx! fail o fidlll the err rd your rndlit otdi;;ath,IS.
Telephone MonitoringMecording
You agreed itlat frixn tine to dine wr may
nxnlixx a!xUa ndaud Nkpfan
calls Ixiwxrn rat or Adldihonaf Cardi enrk ys and t5 to xwm Ilse quality of
vale cuslnno^r wain t,r as nttuimt fn: alq,lia!Ne I:rr
Use of Card at Federal Government Agencies
Anx,liaa, Iixpn,\? Ice emend last mntrxts drat cavil Ur Cam!o Ir
ampkd at am wand fuird gmcninxnt ap4,x'ks snot dlxu+alxna
(`a;yaks''). ?<:cilhrardlrnsadxnnata.?nl:!xnia!Uahlidmnnh.•alxt:
nr,! th,x?i'tn u:a• ra,r i :!ref :d a!1 ?.?t,x'c ,x:rlain ,:hart' iu6:x:natia: h
ns t x101 Ir rollcttul lr. its. (t laid it(' InIrMII:Ilipll hlJnl (afi11(alhagYYNh It
Atpvies mar ik- usxl for pnxx'swi!Ig llia!r wound pamxlns. hillinr and
("Alrtinm ac!t0n; and man he agiaeliotul for npmirt!, analsk 11A
Heal ding adiriti s. ,kklitirbud 'nxftile ass ,dt,tanc irfamali,ol Ire
Ah.ncfcs am puNislxtt i :rildicadlc in tie RNIerl I'!;isw
Notices
An% notice gexii by us shAl tit. dirnxd given wditst tkixximl ill tile I
nail, lx,slagc wino aid. aMirss rl to you at the law- IAlhna' kkinsssbr-11 no
our rwvds.
Changing this Agreement/Assignment of this Agreement
P're May. change the temr of or AM Ilia olvis to [his Apm;,1e111 al aov tine.
io aoa opho • will apPlislhle bra tic may aggdv any rfi n ..pl or not MIS
to allot then-rdsling lmlmiu ,a'.lone AlTnnl!t ,r-adl ac lo 51111M.. klhilift5
12 may:Il isll.!ranN rnnnwpi !In.Ayrmnxra:nillie atyxnllral:nn
II!lle' N,It malt naxl' to t,xl. y(N, ngn w!'wil.:mivll of trAl lliT 19111''Vollill!
to on ,Nw,ill,Ihhl:nl)IIJ !,IldeT this Aglxi,lhclll '.
Assignment of Claims
ill,, or, wdisit4r tClorp,atilt %w n,l! crsu.•krawlfaalIortut
! , hvoux l (!1 m,:. ,w anuanaii::dh s h lad alxl a are
u x.ln tlm.:!IL kvnx+I ll, t own uul rnrft.r ti, m. I v a I L I xl tl nn
ft l!Oill tollchtilorl!myxiNoe. JIM or nr Imo!,uslto-dint
p, I ( I x n arrmw utnal A dlc mromil wi crthtd nr weak mint d v
mike such credit, lox, ::gnu that wilbout o w1,:1 t .a..all 1ex r rue
all, (IJ111 :IgauN or reind4nselxml front such Tidal Pant: kx de:Glionn
til ll'di' Ml ll(:til to WA G' :iVe"I lllt and that r,xl will airmerlk• Aith is if ^.r
dole n, Pursue the lhiol iary for the anRxnn " x,l! rI.
Applicable Law
his Agn,nxdl! and yroar Armwu, and all ynxtiols dxnCo their lep,liq.
enl'orcea Jility and in!aysmtalial, are (Baled by !ter Lints of Ili Stain of
Uili I-Mthout nga. nt to internal prkld(lks of conflils rf law'), and its,
algdkadle federal I:ne-1t • arc k,rax,f fn htah, hokd,our Acmunl in t'tal,
old erlovi into flAsAgntslxin with wilt in ['till.
AdstiRl(:\S E1P0F:`„sCli?I1:RUnti fsabk
li:aid P.. PoIll.vil. PttskkcuR:r.O
TO AMERICAN EXPRUSS CARDMEMBETLS IN 711E (INr1ED
xmnS AND ITS WARI I'ORIFS.
YOI R RILUNG RIGHTS - hTFT THIS NOIICI? FOR WWRE
USE.
'l11i5 notiw Contains tnllWalit infalnalion AxAni Feu ti4fis awl unr
m,slxmalrhiliecunderlit'Fair C?ii Billing Ad—
Notify Us in Case of Errors or Questions about Your
Account Statement
if )uu think yonr stakm aril s wmog tx if wet neal mar inf non Ali aluil
a Mois elion on your slaxoienl. while is nn a srlatam slats did ti qtr a the
;lilies"; for billing inxpliries hiAell (a VD11rS13"wt. Write Y) Is ast oho as
possible. N'e must hear from wit no lair than (1) days after our set %At Ile
first stalenxa)t (x1 which the Ii mr (ir lxtioem a(gxanxl )bit fall asp
!elepllone 11, 1411 doing so will not pres•rw: mtir riotts.
It; umr lskr. give its the fill lowing inturnlatlxr
• )iiur,iaam anti 4axx:!,t limi' y
• !edollorimwunltfthesvyxrh:terror.
• Pesrrd)e iL•e cane and r,pl !n. Kim: ('!rel. µh•. law 1m:ll4e llrn ii
:lo orrr. If mu otrd nose i,dormati'n. drv:rimy the item mu are
not sore Amol
if uu bcsc :nl;hnr!.ul !n U, P:r.:?! u •kctnm! sta¢tdlxnt auuxnricalhr!?,oln
ln!v say i?>s. darling a•,xher ;,a,Ninl, paw can sign tx p;nno,!t lam any
anlnunf y(AI thin Ill 's nr,rng'I'n neap row: paynmut. ndn!r idle nnN Had. tb
fore insi!x•si days Mon: tit auitxlr,11lc pa;mmi s srlxxll!kil o!uul:
Your Rights and Our Responsibilities After We Receive
Your Written Notice
We must ,divnmiWW your killer within thirh., (30) dux, wilm our have
mortal the con Irv ffx,l. editor idi ft (t)(1) days. we most dtlm enured
the r1Tor or exIll; im win' wr belesr the iLtxmelt was contd.
Afl r kw lereive year WIT,, we (,,at" in 10 a,lktt ally anxxGlt yam (t w?tFh11,
or mart ylm as de.1inquett Nt can continue to bill you for dte anuart yet
glx5tio n, incuding l'Illa!x a Cha0xs )ai d, not Innt b lily any quest ,VAkd
and,lml,%bie our am imvr'fgading. hill you an: still nidiylkd to twly ter liars
of yloif slaknxat that are rod fn tfuMinh.
If our find if fit we triad: a misia!kv on yo.Ir 9:dt,!xrd. wil Mall )till 11:oe Ili
c :tin- H:lance fhargo nsatoj o arty tplcslfnnul ammoi. If',ve dilkiol
in ale a mistake wu tray have kl pay Finaslm t:hcr4s7 and ylxn Hill hoar to
make dill any missed payments. ai the yikSll n d amoi of ; h! ('Biter cw w,
will send 1,x1:1 saternax of the an atoll wxl mve and the date that it is df e..
If you fall to fray the amount that our think viAl mgt,, wt, may mat yam as
delinquent I lowm,, iFav lRyranatkxl die not vctisN irou will you write b
is within lei, (10) days wiling us that you stdl mfuse to pay. we best tell
:m)dnle our repxxt yin: b dhai wxl hati' a gtx3t10n alaut your stlhslxrol, and
our Haile all yam IIx• Hare of anywwle,:a: n'ryxtnt y+xl ho. Nrc inns tc•II
,Io) nIe we mxxl yrnt b dial Ito. I n ti, has llaxv s(sdnl Iroven a Alien it
Ifralh; is.
if ors d, lox follm: dos mk'c. err ranodcollti the firsl5i0 of!hi
yx5tiax,l anx4atl. even if y,Anr s1alcmmil wits wrixt
Special Rule for Credit Card Purchases
If yaxh itrr a pmblein with tin quAfi; ,d lingxrh i nenices that,ru
purdias tl with Ile f_inl,,m not lime trk,l in wicil Goth to airr si fIK
p!1-111o!l with dx• lrendxilll, enll pray h:nr' Ifx• no tt not to p:!% the
renminiogionxmnidnea the pgrttyra err.,,,;.'1lxaramhxilimi(:ni,xls
to this rq lit:
fa) Inn main have. last: rim pxarh;br fn you hr,nm slate nor. if Ida within
war Iw,nm stair, wihin !(k) miles t,f wnur alntau m;tiling a;IJnU;
cowl
!1yl tier lulydtrs• prig Hors( Ila-lc Ixre Holm than $i0.
11xrr li!nitatexs dh!ha :ggih' if our r„vn or,![xra(e deer mm?hanl or if our
u laik,l rnu the awbYfllft lltelt kor dnr plr,pcm ev xnias
Note for Ohio Residerta 11e 0hiu laws a!;ai» i dsximhlaliah ni4nov
dial all crrlibls Haw rnxlit rpm:dh availabk to all crelirv,,xdn• amines,
wit than Clukt n'yxNting age :ies maintain septic to credit It islorirs at ich
inditidn,11Iltxxln tx51.'I',e011k)('nifRights(;01noliSibnMotinisles
cctmpllilt xe with alts law
44 .v_ ??? § a w -
,
Aik
J t'
ONCE YOU ENROLL IN EXPRESS CAS11 (('.All. I-SM-G641(-
NOW). PAY BY C"PtrI ER. PAY BY PHONE OR ANY O MER
AMERICAN E"<PI % ELECTRONIC RINDS TRANSFER SERVICE
(HiiRE4FWX'111E "PROGRAM"); YOtI 19,711 BE SUBJECT TO
I11LS ELECTRONIC FUNDS TMNSFER AGREEMENT (ME "EFT
AGREEMFa'1T').
Scope of Agreement
111is i:rr.lMwlmm c mis your Panicipation fn: the l'mgratn. In this EI"r
Agrament. the Awds "yet' and "y,ir" refer in the Basic CirdineInher
and also hit hide all Adiitfm,al Cardnx roll's wlro have enrolled fn de
Pmgrnn.'Itte wars "we," "ae' and "!n' nos to American 17xjiR,.%
Taw11 R&As1,WkesC1011pam it"'Mew-tic'-,wrAnA•fkm F-.gr(ss
s min irk'royour('and Mx Heil a :un slierAnxrian Ezpn^s
WYA nts flat we permit tun to cnntl fn lilt Pmgratn ! ne wonh "your
Bank Ac dome' mir b die mount hthl Ix a liank snx!rifiei fist m slier
finn!xial initimitim 1r1u1 whkh P:rlnex w1lI I I nladk' Wheel you make
lian,mclnns urxkxt i; Pmgram 11A, w lids -yrxn hank' ruin lite hank,
tixm,iiies finn,rMlmr fnnauend mstiluhon that h4lsyoin Bank deviant
the woos oltxr n 4iooni' mfcr to elntro!ic P ,Bent trmxfc•r adfons
andrive, her oish irons Thai Anierienn fsj:?as ,n:n I n!kc au'd.11te drum
time in little, including llte gAirm lopin ynur C m1 Aventine hill
rKnrlkxdle ding a m npnter. phone nr tdhxr dcicr. Padnppaling Ili lite
Eames, Cash Pngam will enable wu to use the (and tG obtain c';sl! fnln
Aulomald liskr Aladntnes ("ATVs') rgxrated by any bank ox financial
n1.Uilutian that paicipralft fn Ile ENImeLs Cash Eimgram.
The Q!nl Amxtrll is gmu ed by, die Cardlxmber Agreement that is
mached to [his WrAgreeni nt.'ltiat agreement and tileulpitilimd terms in
it also algry hoe.
Personal Identification Number
in conimt on; with your participation to tic Pmgrlm, we have issued in wlu
nr allrnwil you to chow yloir =it Persnal Itktttflicatial i illit ey ("PI N' ).
Ead: i tine Ant wish odltlin aish, at an.-Ml you must slppHyaxn PIN and
U90 Of im-sert tlm ('cull 'lid ensure that In unaulhlxtad trtnvxtimis are
lade' under de fxpnm Cash i'mgrim.;nu should take all masonallk'
Immodinos it) lirviii any other ller,"i from learning your PIN or using tie
2
ard.1;or v?aq&, news kip any material containing )i,nr PIN au xixd o
nr with IIx ['ant tether dR,n,nk hmik Ir;thlir,yxiar man trc mm• nrx
wuineif 1u list' of a PIK
Limits on Obtaining Cash or Cheques
11x' limi' (xi file armxmt of e,sll t!ta! ,nth and Atktilional (anl:lxmlx,s on
'rr,.!n AllltrlaG, EXPI s!icroon!z inaw nb!allli from 1111s, is #,,fxf) m a! iv
t^.as1141a., xilid Ne may fmpna ;ilditimlal lfmio ;x uur she dierctirni (in
addi(ino totally Ears iityns d be lie kIN's ripernorn.
Payment for Cash Transactions
Exh time war infhaw a 1ranWirm unit the Pnlgram, you hear let and
a:xhorix M or our will out to drawn dhow or initiate: an aunulnaxd clearing
house ("At ddA fn w4tr name out )alto plink Amc nth p:nnble to us fir
to air alien( in the amount ri the truSxtial 11te anxount of tlm
transaction is !he MW (i) the amount of am• cash wu MOW rr other
mind: trutslr yxi audorianl. (ii} rim anlnau,! irauy dime swoon a•svrrias
obtained, and i eft) :env its hilm-1 lor use ol the AM a' itc gx,:alur.
Fees
N'c nlan rilarge a kr N, the Card Ac aua kw,: d! I'Apnu („iC} t'ale ndko
a! nA`I'.M. Ills kr ill lm1l. 4 theamG,ffi! is file tranSldkxl.,till a
minimum of Si. Illeanxlu N of the lnnsadimi s the tolad of (i) the
:amount of anv, ccash yon waited or other ftxdd trnhaorwu authatal. (if)
thranxnntl nfamodwrglodscxsen'ilxsc!blmire!f,an116ijarry'fcts
imflui d for tee of the AT1I bF is operakr in adfl'pn' n, fa rxh eamxtial
)mar hank may a sass is rasbnnrc transaction ke; or pu-dxd or ikxrt-
hasxAing dnage, if am )Ye nay also dlerge a k of $29 for eadi dxrk or
All I dLNI drawn kq is or our a" in ormisam wish the PrWam ilia is
not homarrtd uixn fin (ms ribndll antgm to applicaW law Your bank
nlry also amass itC amanan due fnr sieve hems. B a,%'
Dishonored Requests for Payments
if am clod, or ACC dellit dawn by is rr tilt sport in axirxiaon with the
!'n tr!m is tot haunt by your bank we hate the right to timargr, tthe
maoxux n1 am sell tmrsartinn and tile dx viourt'd palment fee nfdmd to
allow. to the Cant Ain urd or to aAkcl the amnln faun rats. Bills
Il:ggcn. we may "Illai ymhr rigilt to pai"Ie in tx: Pm WAnI.
Fawn's Il Rank Ann,u,s you Are have a selmcde alinement with Itsor
will a Nirlic5,ading lxmk;tairitrs fiinn, or other fnan!ctd hrstiluticnt that
ilknts a lire of credit in lie ar xmxl in the emit thw your Bank Amount
DintrillC I'nodfxicnl funds 10 male pxnno:It b mss Snit should refer b the
apprgxi:tte alpu4rem retailing Ill drat limm of ffWit for It terns amt
wodifiar dial govern is use
liability for Unsufhorized Transactions and Advisability
of Prompt Reporting
You must 1e8 is AT WCE ff lu Mime tin (.old or war PIN has been lost,
4olen or used wittolut+rur p ndt;skmn. TWIlh ring is rte brA wmn. nt
nAnImizing pxdCtihle, 6m if a Irmsxtian ours inn milartrtmd, ai t1 within
nor, tins after you lean zd*m t yoi notih- Is inn Or transaction was
IMaullwrfad, we will not loll y:u liable for that Ir smxyboh. In am' m-ni,
moat B y,xh fat to sooty Ir, voor liability 16r any to iautloxmil lino Dion nr
arlsfimhkdu,xmldtx,multrancrtirnrshall,outttrscJS? Ifyoa
believe the Carol or inter PIN has !teen lust or swede, or That s mad ie has
transferred or inn loahsks mommy ten yule Bank .sin tint withal
Permission call-
I SI10.SN-•itOb (Albin (S) a 1-tib3il i21 I hxLLside CS.) aminue. ax
wok. Ainarin F.xphr is Crxht IYlarmxnL Pta NP., ;3,4ii1, PIx4,ti,.
Aria Ib'is'?-x430.
(hdvik die [mild States. „41 may An i Aitxt any knerican Expres'rravel
`;vain kteatal In, rqw. a lea or deft of the Card or wxv PIN.
Our Liability for Improper Transactions or Payments
If a transmction is to connittleled as you have dioztd our if we du not
anmpl& a Wild r m or fount your Bilk Aemtmt on time in the erred
a:Ixxn11 wrwiA res+zu+eh and onrrta it ads imceaan axe ova sterner a ?
will abo rdm6wsc volt (a your azhul lnuaordairxa?s,•if alrK t?tsol hr
ate drone. Ilhwr+ec dteie are anrite crapdans 1YewiA,xt 6a:liabk: o wxI Li
the following irstalm.
• if. though no fatih of our%your Bank AraxHt roes alt or dill fira
mntrn exugh nxsrx'v to comic" die transaction or the frarfe would
emend an i stahlkd!ed cnx61 Emit.
• if the hunk in tixn R;uk Atmin i vent saw at I* dam of the aamgawcf
han ielki n stiff ect b k-.*d Ponds or idler er1N'rdxam mshieting de
trutaotfam;
• if Ute A111 or (After kocifini wltere wx, am making the umis:aet l n did 1st
havee outifif=ish:
• if thc•.Alal was Ind ulAitig pmfx* aid you knax thisad the tine waI
A:mod arraking the trair ti n;
• 0 cimimblArm i"TwAl our c rmtrvl (sash as rue ar flex) im--en or
imulied dx: trGracli!m, despite rev north a precutiass that wt.' halt,
IakefY
• d a btuicah ialftudiat lawn to you prevented the uransadion:
• sans(tlaemlitianstand IIIfhis01AtImemeat
nosiness Day
far piagrms oohs PFr Agnsnat, (Air t;ainss days we Monday thilao
Fridm, 1.4d= are not oxhided.
Arbitration
11teCard Axiountislp rnxdbydieradmemxrAgneniffdrmiabtadlhenna.
tlm killrx6an I m isi n tmGirialwithin dffi agesraet ap Plls o the Fl'f
Agnrminl. iokvc mie In fled iamision iswin1 end this FHAWmt
Privacy
I-' kxbmhic fads tiamknrs you hnitf(aw Pursuant to this E PTAgreenxnf am
aAtmel liv t e.-Vnericul F: IxLs Pritiacl' folded; a crgly el width v6w given to
yin, Ioprt terMilt wnv Amerirmn ENiti ss Casl.'fa view our Pr war. Pnrni•
nine. ldcxir visit america r4assr+on.
Now to Contact Us
if for am AWN) wu wis3, b ants , its aloud tin I mgr am, tout war
padirhxnien hi Idle Program. or shoal untriMdnis mlaling to lh a I'rrn_ram,
write or ail us as olkrax
ddlA knefam Pdpnss TmH Bdasd S(nia's ra)eiam'. Inc.. F.xprm
Cash O(xraf ra, P.O. BIBS 211169, tirwuians, NC Z.•r46
'11doom 180tyCA.SI t N(AY. A fame's :I day; x+t,m days a week
In Case of Errors or QU85tion5 About Yaw Transactions
Wile or call is at the number or address Olen above as saran as you can if
you think your statement or axcilt is wrong or if yoi need mom
infamnatian stood a "mutt n Imam on yoarst itmet or mx'Jpx We mom
Isar front wn rem lake than "S after We Sol toll dm FIRST shne,mnt
an which the probksn or mor appear d.
I . '[It is uur name and carol knout nundmr
2. IAwaic theerralr or ti' Irarwaien yin, are unsure: about, and inspkrn as
deadv as wn au, wise yea behae ie s an mrx vir wine you neat miens
inomatial.
i. 101 is fix' dollar :mxxim 4 dm 96lxrkal amr
it
V13 670650 7/19/03 5:02 PM Page 4
if yw fell rs orAh. we may rciuim, that tut wend as wmaotnpl:dntx
:!!ustinnIII tintingMilim l0husimNidins fmmllie6teun toillilllre
iC'(' will fell t(al tIY' n9diK (f 0111 !!11cA!il,:tiirnl mthin iOhiMom. thys* ACT
t;r heir firm tXAI aixl we will 004Ax1 :ran Im,r!:nu npfl . If tie heel mime
lint!. hom-mr. we may Luke ur Uh.i +clk•Ixlar d:a to iutrvliiaktwr
comploh!o plslkn.Ifwr,ice:kkrko,k,IhfcwTwillaso!leiha:l+fmrhank
m idili tour l(mhk Aommi within lit binnxss der, ° iilr tle :ut"Itil At
Ihi?:k ixir.eTr'r.s,thatyt+l will l!aectte:1%. of !lenxux chiringllx'lioc
it :ik,,,mintl8nplie,mrimhtuigatiou IfsvauktrmlMplrtnir -XAIlnh(bd
nr giz4ol i in among aryl we IltI in made it within i0 bosihxxda,sl
f ell m.ir. xu or,If n,Uifleatk,u, tse ma)' nod rs matt yix RvIk k:Jnnl
Fnrbcultlclionsiniliat(Aiiii i4t.'tlxIvilulSia!s(a:nlin!ixeiiotINIV
,.r ualf4e(s t(%hing fern aw; p,illt-(hale debit c:!nl lit s,dxrlg), Ge
will haft:!Xt rdexlirdfns k anupkV:!nr une tg di,m. o ik.SKOOxrsive
Wairr+l I" law.
!f notification d ali emu' s Tecitisal within 30cal,^,ukm (la+s dkr )two (sank
A"tIrt is o penefl. we win luny:';)) boshxsa Jays W provide )TAI %41) tie
Iv tats of m r imrstigaurln ll' nxna ran irrrr and (YJ clans to axnpide the
inhestiWilioll.
1f c-e!ickmAe that tlxm was no xnx to aipi w Ixl }nu a+eritm
cspkriirtkxt within II!nx hsilxaK days ali(r tie linsh oily finesti4dkai
Cp (mi :rnlr rtylcu wL'will pxtn'f(k• vxc will! (Thfli (f ilk dxalilxmk alai (+i•
uxJ ill mir inw,!igat(n. II wr h:nr Ipnnsnn:dly renelikyl pair R;u!k
:(ceTmml dur!og tx ityiwig:dion alxt,k'kmite Utat thin- wy. Ito emx. AV
V011 wilik }!u! of the alma' nn cell!?t wc• wit! n+kbii Pwr !bok Anlxinl.:l!xl
hl- :Inm inn w hi- A n!kd. bra sl?o!Id nrukc n'naio Ili;rt teat Il:nik:4 c;em!
Luc suRxienifnnxht'n. ei!l;n,khii.!fll(kx5!lot,:r h';;c!Ix'rgl!!
k) deal}: SllCI) ?xx!Iit x, i.a• (,n'd Artvuni nr lu a)Ilet tlx: anxard fool
x11 ll Luis lrn sn we m:r_ a"N era :cur r h! W p::fkif 7k l llq' Pn( in)
Termination
141!, M any hap!k ?x (n::irci:il inuifnUun p:Initipraing in tx' I'r(gI, i-IItr.
a(hl lo q nenme font fix- Program any or Al Al;1is it exhiflorlinlit 'Ile
xetias pnridcTl at :my kraikn u'itu,ut notifi•inglou Ixf(m:halxl. in
;Al!tion, alt! :rely dlsnxttiolle tlx' Pmgraill ill :my time.
Vol it 60 1111) h) Participate in tlx• I'ntgr:rin will M t(iminat(d ter.sis ilkel if
the Call Aaxriol B C111,146101 ' SilgX:xkd. if toit cancel file
a:dMuicdloi
oil Ira;e givtm your bank to dinxik champ clxrks r, lsxr ilink.A; axnht d
the Bit, ik Aarxnit frn•n which pan mclit will he rnak, aixel Muir make
nansacl'xus Iingkr the PuWam is dfxxl to % itdrawall nrareactinls by its Or
our:wlits: H'.Xnn pani(iphU(m in tlx' Program is ht:!rlhe for IB rnxeilhe
toll IIh%nr t(u rv. rx if Ilie Canl Aroxln! rs no kmiker ill p!,, xol statiding.
!n :tl,lilviii to f ile fur,plinf•, :ter inlay rsoke yTxm light h)!xrticipak in the
Pn)gl atilt. .1? :InF il(IY'. :1! fklf x,k'?IiscTTikm. silt? ur withntu GitC. srbjal !n
applk:lhle LA.- d wr aria, we Hill %nd:Txl "AtUm mutt r.lion u nay n(A
x'nd cap flo, ixmkh: wAil af!rr tlx• ruvalion. 'Ae alx) Jow tar (ioli k dilly
:il(Ili!ifI:C1I1f1!16n';UT.'"ixstrefim1w0i'mi.atalif ll!lx:.it,ill Yf('
?IiuutioLwithox:;i1; c7m,:hxlMillon!0ling..llilly'kl:.s4octk,
applicable lams loll nxn krnhtalelTmr padxrpatftw !n IIY' p'tWill lac
arr:i it Ills: dose) In witing to, if, of tin- ildlim; di (l,wl in the Ae kn rf ills
lipl':lgnrnxer! cntidel ? ! k111"Itl (1kN CAtT I iS
Prior Agreements and Assignments
'Ihis!:1'p'Agleentivaip(-FmIesallpry'agrcervlob ii fill, Isce+eitIits
10,11ing it, the Program. ltc hale the fight to coign t;6I:R'.Agtm ieitoa
sul,sidlat• a aRibiak' aonipain it ally tnY•.
XM1:1?1C.AN TN ITFSSTRAVEL HiiSERVICES 01Ail'.Akl: INC
Gonhm A Smifbl Pr alkioi. 6xsom r (anblembe6in a 110i
Note for Massachusetts Residents
Cienx:ral DEWIlosom StatancM. Aar, documentation lira; hl Mimi
,,1mc l •Ixlx'aals that an ekCh-mir f pmts l(:(I!sltr wan mad-shall It
admssihk as eyifkuxof.-40i trr,rder ald shill cothttheprima farm proof
ilia! slut? Imir liar w:s m iKle.
'!'hl-' inifw$ml Ina w it Of certain dedi[mic finals Imblers (0x11 Vital I'lank
Aarnnnt •:: ill nampi zothmbe ptuirkxl in this FF!' Agnemerlt. e(ketild}
eliminak• ynnr abiiit. to stop prmait of tx tint Lou,
pa::SSUllW:HWISI:I'I((1t1f)F.DIN11[ISflir Hf If AN) N, IT
SIC) I RAY.WNTOFl]F.CIR(QfIC RADSTKAK1',KR5:IlIINERIRF 5 )l•
SIIOI I.D %fr E1iptilwuF.crRoKic Acfj-%s RN: hiRC1149;S01t
5 1; H1'IGFSU! ii-'Ss1TtG.ARE"MISH1i)*n11TYOUWIIJAM' NO111'0
STOP Pk."iI'* C
Disclosure of Account lakirmatiot to Third Parties. I(im gnu its
tour written audioiasion to dlwioe infunnatkmh aMnrt tot lour Cant
.Annum or file hrmsgakYts that irm( niake to ail pxeayxl. Ihai:udharrdkm
shall auxunaficalh expire isilays after tM reach • if,
Optional limit on obtaining Cal WILL hma' I lx ndkn lu rapxel
this we Ifmit the! Val crane t?fcash ilia[ rxi trial abam InxnAnlls fn a
single tics'u,Si(l if;ymclamflab oUkml:lewillfake all ,:•asmoahleu(11sto
co-mph uoh,nnr rq".
For Your Safety When Using an ATM, Please Observe the
Following:
if t1Y• A'1'1t tznl an• usmi, is inarlle a huiklin;; ckm tux earn' dnrvxopkeck
n)uxl enkiing. indii kkrds Xdn ime a kTilintae rrccl k, pin aram m an
?:I'::1 clxnikl haw a cant Terre nlm be fYe(nsku is i0ielt Ixn- nnlxr'aJ isas
gain arrsti< to art M11 m:ri:ile tlar ame ht^oiul on Hilhidual'sam!rt,l
ut wiilYlrnui rsh'x? a un:m pf:k' Mkm: stlo)ii!g awae fool !1x'.41'11. Be
nvare d yeller Sm oundi lfs. If yrn Irihre yuu am 1 efng w;lkdxxi or
L,l!mlofl. carrel Wtur nji'mcoole If Who a',t n-po,llklkdomi if
vw-liar,: rain !lu local police
Do not w'dtc vmu PIN num(xr on rm near till- Cant. Ito not flee tvur 111K
nwnlcr to amlxlrt ace. In c sc d an (Tm r 'nn: cd1911.
Gmnlfainsconcerning savrily sir an Anxrk'aIn Fgprss Itispol ,should he
dir.a ! m fir:xl lraK li k i u!rckr"I r Ai' 1'0 CONTAt T !;S
iifNC A(lili!t's I?itg rtc(nkxi Ir, L•idkm c:mer.It a! AI:+1 L•usdk?m is F:cw
Y': xi: (:it, atrllr at n*luinal hl f o;al nyvlaoloIS.
`141liwxhtseltsmlfcnis'luclk•n•l!rdatesf hid ofhisilxuBats.
Description of Coverage
[low the Prrelhaw Protection Plan 19brksAlleei an Ainclican
Expels' fmhYmrb(scharge; acmmdpurcl?:se with hsorher Canil
ctamt,'tix P(mdcw 1'nx(Miol Ilean ptukclK that itnl for 90 (tells from
the dale Of prrcicae if it s sirktr or inklmially Joma)Ccl, fndhglfllg
yaohal(sln 11le rmera. W ks hmihel to $ I.000 per (knirrenci. up to $50.1[X1
pxr farlhwnlicr Axount per Polk a mar, ao(I Is in EXLT:%of Oft r Snairm;
(f in(krlahin'
How You Benefit
ens ri p enwi d prr;rn: purciiimd w! ikW, ifk•+:i!I! the. (Aill are
enyr el. incht fing guy
itiodewl fo:flwr,
ks:i
• r„:nlnkr!tlac corpus! (?esrxn,lf!r4i(kn?hum'4.d:dc;f
im 1, chase WIT11 ttm 4nar ;. am, Imrtl n !t a s prk'c !A the }ur.'i rrv,l N-m
1:1111 crux 00 dm)nill `,w! :nlI nth I%, it o)Ibmwll f tl the (!rant it
eelarg(TI k, i(k!r Card
. the PorcIr il1,kilkmPlanpnrkkxcorc!afg'Gxill) toStagxlpxr
(kc[:Inrxr,A tlxil Of aRl:kel!:11(klnL'IfY', rli(iigllilg l:alh!I:hlb!n,
!`(k•:wrerce'), (xti Iu ua,.d Sitt,(KU pe Canlnumher;,rcoxult Ix•r
)nlicc per
• '!1x ^ITig$'m almllislGikM' wdl cllxkJr whethir to lzi, i1x item Ol,aileJ
or oldaced, or io reimburse-mil (cidi or credit') up to the anfxmt
al.!n„'olartleGvrl,:ud type in a•ecc:i tlx olginal purilase;priar-'p1?i
I'alrrhaseilnhrfiniIlan axes rAA reimbarw; hershipoping and h;?nfnini;
experts s or hisbIbilkn, asxenhk. ex other sen ice thar,pcs.
Who is Covered
felt ar, eexlxd mxkT the Plan :ad cm-rage retrains, effalite as long as
lot? ere a I'S. nsklmt Gurbrxmt! er, till is, the:1 ywrican Fxprnc I' rd has
lico kmal ill T,xunanx.:ud t.xt mainian arm' 11(m1alx'nI Rcsid Yr in
the ill I:niml9otrs nfAjOe4iCh, the District d t;domifa. `oerpo Riot, or the
(. S. li'mao 1stRVlc-'
iixu!+,mhatxetkesiolrpu'r.bon kndlrurprimandtiriling.
Key Tema to Know
• niexiiswill IVbep lifrn!hedalteOf(kcuimru:,!nUx(kteof
d,iin?flmpn errcal ilk'tlawof arull!I-Ix•Chino pat Inca aM anlnml! due
'in l(xtrrad:Ancilont is n lpaill ktrn;x of mrilt hining(?Ai(s) Or
Caul 's n ill is crlo,461°
• Wt meet pw%k end of purdl ae a:ul set sfarion pmuf rf till- txfl,
as kkTVal darmge, bxiufkng ladolism, while colerage is Ill offttl to
t'li:dt: K?r 3arnical lul(krthe I'tirilase Protection Ilan, Rolie!nMr a
tap 311 your kit rican hxplus dlargc matips. original stow ixio its.
Ibm2wd isms.
al til
• tblerap fidirthe Purchase PrAttion Plan is I:XCIM. tls cleans Ilia(
it at the title of (keuretim, ins have Other lalid and ailimible
irsurarim or ixkmnhy - such as hilt not lfmitell to honeoner'stir
rifler's his rarce-the Piudlase I'mtctfon Plait melt nxir that atroolt
ILIA nmrallx•such other hnuranm or itukmnilf up it) IIY' limits of the
Parrhase Piolin tiara Plan.
• Irodixlva s, duar,nisanxmeg"imlhoof Wowspricy
nn)1xlrWm pugrarln will to (kdaleil front ilx: anginal not ill the i)cn.
Purchases Not Covered
• nasekiis c hl lass of am kilul, negm!i:Ihle instmnteets (sth as of
artifuaks.,p carts aril giftdarts), cast! i,r it, aplhal(ex:
• animals or rnir pianls
• cosmnillrorpNvblePolls with iim0dlile.sleim!iiidiNit ON
fimihd it). paefflml lig!u hulk. im"cri s).
• at the lime Of pirinse. itself. iebuiit. rdniNslx'd, or
remain ell nil items:
• if Elie d mx(}fil rorsllem iaall ciesisis (f .(nicks fn a pair (m rte, wwrap
i0l1ir•Ifrni lrpnomon:thantoyaheofall-parik°ubarpart of parts.
Links the artkirs are umtsad,le iodiyidnalbq anJ cannot he mplaclet
inthAlklak rlg3de5s of ally spwial talue the anidet s) nim haw hall
as part d a wt ter colkrl'gxl:
• perm: oral lxxt¢Mold ;RxPor husims fixtum, inclutb;g, but clot linniefil
to, a(gcfiM Deal ad/or Uk:
• Mlsillmrrshneti(xhxbn),.bill hnilfmiUSl!o.air (T:xlflioem
r{rigtrakxx he"
• gQcnthnstbal nxxlcala!ul(knUlfyufpmmLmd(kniaw;
• rare slamjAnr acts
• mikpe.Pcmoalaslxdilena
• items pudiaxdkirrcc(k,p oliefsk.mial,or(ninnemialim,
• iUrnlsui9 mods hpu lotemt billing I'W"111 tan purd!ascil fnxn
Anxritmi F.qm %chaixliso Senklc)
• nifAwDedseld(lsaixl%otiArail.Airraft:nalnxotowwksrrtheir
nx9rmt (g!ipmetL parts a amss,4N
• Items r axvk kid or Ixunatil fnf which cur, win tic Will nq),011sillic.
Occurrences Not Covered
• iheT1K kN Fm rl&;fll:rid:
• items slAm flan toolor vehicles;
• items not TeasotaW salgptauded my aou f hr example, unkl(tellox
nnaltlxkxl iknxs sklkm firm, public, facilitieswill not bettnem);
• items A*n lfmm haff e a(crie.1 in' had utxkx your pc!saral
sllpentinn nr unler the sipan'sion of a tmvding companion kroxeh
1W':txl;
• items that wx(Jama?throil;h alt'rdiol(ilxluffingeuhing,si-min.
and shaping);
• !leers drmapad dx In Ivmral wtm :nvl till; i01•urex iftAucl tkrlxt nr
normal curse of pit) (sYil as.. but IxA fimif(d to gillf arum Imo's balls);
• o?c?crurrum caked ba an) Of tic follmin;; baud; alus? natural disasta
ilMraxliop,btunot IimiKTlIn.flood,eafthquaki tornado orhurrieatx;
war orhnlilities dany kid (e g_ int.ttion. rA41irn?, h?sonrctinn);
erxlfiscation hi- onkx of any gmrmnYStt, public atnimlitr, orcuuan s
uRrcial; rills of rnmrtbanti !Ikyd acclivity or acts Wilactim
contamination;
• isms lost damaged. nr union mttkr the rate and control of a third party
orcammon carrier,
• manukxylnatdek.M
• items at an mvcaglinl nxsimclian vle.
How to File s Claim
Rentemb r. III insure prate prinsung dyrur claim, ml rxul to MA
ally ten rxtkmrapj: immoliatek follasong the date of the (Wineme,
initultng for gifs pimillimd wide file I i-od. Renxmbor also, Rm need to
retain slur receipts mAt•kcrdamaxd!irm (if rWiiml) until thecfaim
plrYtSt is ttxlgdde
1. ('all tall-firm rx01t32?- I_> l in report your claim lilrrwxt cal o)II(l at
rifts WILKI
Note: lien nrnd r, fv+,i )memo (firbn ;rdArn 30 rkt)a_ Jrt.:m !(x'rbile rr(
ikcrrttrxx?
1'!m may be sett( a Purchase I'mlat!on i1aim Farm which: tar must
conpleic frrnlt and hxk, sign, and rcuirn to the claims office with file
fonolving r !uM ilocummts (keep copies for your cram records):
• file Nrtric m Fsprmchiglp rec !pt
• file oroidheati'alsomevdpl;
• t!ubrsuatice4langimkmisfor rourothersomosOf ilsuraimor
blflemn itV li g, hcffx miner's or relllars insilmoce);
• a (des 601 of anWor repair estimate for the damaged item (damage
daims sink): and
• file theft aad rnxL*:tn dams, a repot reKankng to sokm or
lumlafvnl ikas matt he GW will hY aootropiat authority belittle 1TUt call in Ide a ruin situ the Purchase Protection Elan.
Note: )rx( nnad nicest x,ra am1pto4r1 daim /arm mid wininr(
ebainim& w*Wn 60ikiow john ihethar fy((krurrw r lo remain
elmdkf,r a-1W.
3. The prtgram .-dablisrakir will &C&' whetter la have the ilem rpaird
orr11 WILonohlimimxliteNvu(callioremlit`)o,to!Ilemlromt
dharml to tot (ant and n,i In exceed !Ic original purch;w price. 'fle
Polrehasc 14rta1sal P6. "-tat nintulse 6sh'ip ping and handling
apers(x,x installation. mint* aoxhersenice clues
Nutt Ai) fvnme3Aeta be )mrkkff r intribyl ekthm or on ;rn9,
d(Ams )rnisulAtfliANe(in The manner rt/uim( br A)r Im7eivr.
4 For dnnallit rhkns. %lou ay-be :fired to aed fit the da nio item is),
at 1mu mpeme, ire• Wier ee'aluatio i d)TUr chum.
Notin lfrivinietl. jivu nines wind m !be rdrm,( 1 item ui&m.30
(L•gs/rwr, / e&mlea(mpecti /o remabi dr'gilikjor cortwige.
Importtutt Addiftimmill Information for You
'11!c henef'rs provided under the Purchase Protection Plan apply ooh,•
ill viler. Only lTm have situ le-pit or minitable righti rrrxxh, or daim to
fnuorance pxiv m* andfoir damages un&r or arising firm the
.t:rdl:& Pmkrtimt Plan.
.111 reasonahk and pradiNd sr.1s must be taken to and or ksm) any
chase ff pr pert, nnietd Ina the Mitcham Pro than Plan Ming sb,km or
damaged.
l4 en a kvYfn has Mph paid full the Purchase Pnlxxi on Ilan, ilk!
Insumr beciartes sulyW <x3. m the extrin! o(stxh payment. in all ymu rifopei
aoxl renTlslS acing alit' "isibie party. l'Ixvs our re()tkxl, you most
Im,hle,im x)ahkassiu:lrci irdlAingsipililgdonmentsif!era-in;
to bring sith in xnlr itanr.
'ihc 14i rhase Pmkoioh Pkin is und(r4lien by A,NGX Asmrnxl' (:onpany
t"t!laltt-C1,Ad inisuatcek6mGrwilkmilsaxsin.lhsdncuinimt
seas only as a 4scripliml of ci tT ge and is not a police' or conlract d
in alraNa; fix- axhkt bmA conditions ald ac !skins of Polity KX0951
('Tobin") VWm the Polar( a Prnkekxi ManAlle Policy has been smYd
tiAnxiirm F cimm Travel Rehrtd Services Conpany,11x. CAmerican
Extras 1, the t rificy mpldnr 11his document rplacts all existing prior
Descriptions of (blvage ix ere Purrhase Protection Plan.
L"A- 40W,
Kemxih). Ciak President 'Ihratn kWian, Scttehln
.WR Asslrarce tune ny A.XiiX kwlra(xr Confrim"
fr?(r-1 tfil
! hhrAxa:drab(e(nM(Hlml+(al=rlAk':Ik'n7LrT,{tr()Ii(vrrnt(s
/nr;4mnn. Are('rmi oft orncml/vrnGni ntmy rely, (x pu)rixr.,er!
lbprm(,•ditrfpm(rlb(vrofrr.af mbrni,rpHcs(vrrE/nn;;nnn
r?nr/Mixr oxrir)'xxAr.
.113 670650 7/19/03 5:02 PM Page 5
1 l-lir llXi.4' Nligih!t: n d ru n r"W iu ilk' ;A'171Ix=r0P,, MrttIM&•
inn, nun. !x rn/ ;r urn mitt: jxdrIInikv 1&' j)lrn':1><7.vr1 riot: R ra-41 of
Syr?ur;h !!x, :ripen:/r.'ti/rr r,!a :Ilan?x=rxgy, !tttrnsklnrnmrnr
rerAimp6rel cat: j7rdile..
3. Q•ath.1 n irbimilwcoa rkxu 11"V ryylt' kr ;l'fvr l iu{ .Near ntrkhvA•.
4. 1-or?.taveeii{qWeair/rrnL14:/br?/x'=l/t'nrxev5j,ftrtrrrtb
limgrv(nr. Jrrrt•mrrrl nr' arrlil lion! uM (atirvllbPnri;:hNtl ntd?nnt
lrrlnr ri(llx, jxrprmnipnyx,rle rru,itrallhmrmG rrtknr/AliroT d rr
airln?x'117tip i{r'rr'tml^' pf'!fp7r71r 1}Yk'rlrl,?k/rl lt'ld/i1GdP fill kr I!K
Aortal 1.%nriG . enluiiq.Jrrjip! lg rrrrrl (xmrk rlq rnjk M.:.
5. !nip itwrl m)irI'm i) ke enndlirl in lix, i1vinkr4iy, KiwrmG
pn?grnnf-.t .1 krnlx'„11yr Rrvrarh p.mgnna n mlilkn ardifmile
can „lilt FA• nihvinal bi (r(;ilde (;mbnu nhios. AvtAlf xitl ern!
N'lxlill a'tY'ni if. I rpA!hYTblp 171.1t)ntrl,ri' ,vrrm jilt kilylMnil
rrrn,60m Alv411rPYllr.4('+'Rtflr-rod,-t4!,"j1driirrhnrvrdam'
I !(! ,1' IN Il tlrlr nx nflM ll
n fkxn rrrl :rust In ti 1 hV :parr^xf ns
IPtxr ,,. ilk,ar at /!it,
i=,iu;?rri as,i nrrt rnLn'/4, Intl err such lotVerb trier: a,il?tl,r
.Uold-viVyfl, Rmltm,/ r'mtrnrnl mloni,low ailfiur/r. niri^Y4,
sahwnWal lu nekklmn it o !n. rojunrtl4tn'lleno. if rirp11.4az
Tiittc ff+ T tR s ASSuipi HN ,r, APl g '
Description of Coverage
flow the Royers Ascur me )Nan tti»its. Whin a Qul mtrtdtr
cl:ogx,;thexntim rst.la ne;rtlprdur aithiri nr xrGud.4munr.
the lialtrs li:uranne Mali :.ill exk',xl the krrL r(Ila: origln:d
mail u(naumrs fapa rant, for a 1mi(xi of time ccPial to dledurld(xt a the
urigh:,il manlLtdmr(.sarrant3; trip x, orie additional tai on warrarprs, d
five mars Sr ie% that am eligi!dc in it r• I; S.
Now You Benefit
• IVRintrsACSlrima:!ian!mim,nmanufxiiws wan:mtisl(r
rolrrd prxkuctc prnrli:istl CIAiri; wills.mmf Cartl Aural lip to We
arldillmm) %fur
• lC'innanrrznndprtdurneon;datiumrsrarnskmplmt!xkdcYs
Asina:xx• Pkm fak-N xtIlle ltaees wurutrr Pla;? emirs terc nk,m
ihall (lit, ,Kula{ :mxnmi di,plgol k, )fair (::ln! per fire man OF 5 i4j1(r.F.
,dlidm r is kas f lox it I vi tail Gyn.(xX) !iLr cardncndaTrIpwint IkT
tx,IN-, x:oixaBtkxatrna';aulilkmrl).
• intr:igesslmrkdnllr:mypmhxinialfowlion.tYxitndaimage
ot.(.R f in six' imat; id llx pnxlleTs origin:d ;.arntp• !'ikrumrla") -
A rat,a;rr *sst.
• Forikmr:char(}set:Gmhoilhdx-C•ml,Ilk! pnieuma4minkakxr.ill
derire:nixilk'r to h:nr the item rltaird or rijAmA or to nil diiwa coo
ll:,sh orcrnel'), n:M to elir id the rxi,Iral purchase price. 11W Bolus
Av iroxv. Plan dotsoff miniiusetax dfippingand
I;;ukHmg(spenssa
r t deltim. asrfidd}; pnAss,mal:uh'ax, inrink+talu ar1!xrsenice
Charlys.'
• eSlxrl the p er kinal p Ay crntsist d xnu ks it-: a [stir or sn, this Fulfil
shall he U*k-for one irm fn (lie pair tx set milk h idol the bask (/
cfaint Itcrrtrrvtr
• No pndim r'giCralkiii urerr,lliwil It rarliml for @A: adrred
prodilm. iximiling CBs punirasxl for nillos.
Who is Covered
You:tenn erdloin:lidsflailmidnArr:t,:nallointcihlthr:sl,Algas
'.mu :m•:t VS. Reskiivil (arbrinlxr. Ilkit fc the Auo,*;tn F%fk%C1nl has
Ixrrl M1@xl{ ktNxi in.mar n3ow.:irld%ou mai,Aain,.x,rftritimmil
Rrs.ikrx•e whiff) fide in f :nikrl ilaltti,if Anxricr. the l istrin fd (Annibb.
I'mr!n Victim ;Ix, I :S.lirgin Wand,
Yon, I'Lonalx•nt Rov,Io)ct is co _si:lenrl lntw prima:., th:tilingrd.xr
Key Terms to Know
• !tr-xfiswill not be lnidif.on dxd:iw40cair;wz.a) dxdakof
chimp fifi% (x fm the &Ipe of mmld be claim lra%nkd. an anxxllII (lilt-
on }our Gird Amxratl is unit for Ina: or eon: hiding, grit(,) or Neu
(..evil Aatnlm is catxzilal.`
• )(At must pnxhle prop if p m;hasl, and saikfxx)n' IMKI d fix: amen
0trurrwwhfle urrarekitBeetk,qualifi'in'lmatstrilertb:
Rtntr's.A <axarxx (Nan. Rennnlxr in keep all % x1r.4 xticxt F 4-
chartr mix1im or gin:d.Yom mails, origin:d map flifMi rs'
worrmties, and prdl -ts mmlidog Alai:
• Il you plrmhfse an xklitional s rfmaxmmi or nkixkd warixm uiih
a pmrhta wirkii k odrr ,,, eligil,i' under the W w-6 Avsuraaxr Platt,
and fix ;mmhi:ltJ adl ph pnnkLJ by both fin oxional fri nitdarrl n:rs
warrln;t and fhx ptindt rJ m-kx! ttmuart fees no tsrzid for r=
theft fix-. pod wt iscli ihk' for umiijW uixir the lan:rsAwarlrC Plan
PlcBu);:f miraireIlanR1II:'.foldIlk:warmot,Ileneperirxland
mir tiramraW 4tic original mannfinutr s,serrmt%-lp in not.
aiklitimal .rarallef loth de oriuml maaid:wmlrrs'aan:mti amp !le
ill keitmvrl srnitt• rnttrkx hest mgp4 A If. liu,•,mcr, yrxl purh.•ke an
nl.ricot Express' Srnix (Halt with a purditu from 4lxrxan ExlnM.
lirrmildicknittil6elilt yrrsAnfralm'111virtillall, IxfA-the
.%`r. la' flail (S in rdV If t!le Wnblllw aAtr:ll'e of dx iddslal
mapdacturtrsoarrantyalxltinpnmhamlar.dtxvin" ., eroxakfive
scan shelf die pwmhfa putclt mil Is Ike eiigihk midi dd' Bu%tr-s
Avafratu, PLin aid no rmtrm:(r applim.
• If xc litre an adritianl sTS'ice mnwai rr an aalmik:J Warman frr a
minpxtec MgxrIer mmpripent m lx!rtthat already mnx5 wide all
original() .mawdKitimswame,K,linless'WimmWilprxlded
front, and adphtismil IA; tin ofthial m?rn1AMi is aArriW un iT tlr
fitlyerI, Asstraxr` Hill roes not alp*'.
Products Not Covered
• prinLxtfxxltnitrom:mufacumr>;;:In:rrtislapisintlx'1 .,
• at Use tilt ,1PUF;:IAC. used, nilnilt. rfutheixrl or roman imailul!krm,
• pn;dixts frAure l h' in uttmnxlitiultal s:nid:s-lsin ruarlltw
• iworlrrd.eilieka (garb aria. tnleks, mokdn'ties, liras aigdamx)
and dxir pars, subiM to high risle conlbtistihle wear and tear, or
n)de:y c sdptffutitxs (hichding battaxks, cadets xs. f)gxs. liras.
pi9mts. linfli , tuts M muflhxs);
• nxxorfxcd deMetsard thxrf rile useil lilr agricultam, paled ry ink
eemmlitln M 47 ISIFLOon:
• andsoldt-timsad their parts whidilife pmnalxntidditinmor
fixlm xK Ina msidtntiall nr mnrmr ia{ huflding:
• lashx•+sfixtu s.fndndfngbutnotlimilldionafrantfitinrrs.
ndri.xiakxs.lxak-m
• Isld rrhoiltllil}'e.
• foist mxdteorprrf,ilaWitnn
• :mho.rtsarWill, Pt:mts
• one-,d;r-kilklpndoxti<whirhrunx/lht:nplaad:
• ihrmlxlriii:snl tax rule, pndcvsional, nrcicnllxm:ial mate:
• )tolls still turkr 49,111ncut Will% fe\crpl li ose llllnilaKd prism
meice l F:xl r s 1tmdl:ndcr timizs): and
;MPYA" , wi!h ntanufac llfeN, warrities. M rionhiniA nn.tnrdinmmr
yr,irermk3 alxl smite plot agmemenu, l uiin, i:l e%c , of Ill %I,
Occurrences Not Covered
• alni%Inscfldanw.imltdingdilliaw.oadin'rtltsdtofnatural
ilisail r or a llow nirg•. CrQpt kt fix silent Ilk: pandxYUnT s
n'aranlt' area iLrnx ;;:
• (Imirrtiruscilmd1aalnriftile lirUmsing:fmud;1111M ;naror
but!lftks of any kind leg., in.aifon. nixilinn, inilunUkxi),
a5r4isratk4l loins:: o(am tnwrnxrit. public milhrrity. Pr ctlsNxnt
41init: rode (.pI mntr Ipiuxl; ilepd sriMN or am. ridirraahr
ilxllatltinaliAl;
• nxd><vtiralfailttmaAUrtln:xkrpmbulnc:;ll;
• all 0mirr'IxY'U IA;u ta!n ld:ex mltsik• flic Nr,,ers A%mrike I' m
iaxt'-r;l tiTrroe tenon.
How to Fite a Cialim
R01midxr.llxineed toWiliam, woumcromkili:akh.iiii-IL tnethat
forgift, purhatiJwishtheCanl RtrlmuJcraiy).pxlIxrsltonet in sour
MilltC tie rxighxd inaned:xnarrs k%an illt% lid the pri:ltc( nc.nflirg
meld: umrl the ( dm )mxt't fs oxnpk9c.'si a :n;n_ Av) lx itslo;l it, Atoll : a
n'p:ur a5tini:tE::.
L faRuA-fox I-)C)fl-w?-T??)Innolih tsnl•,nurdaim ioictxsr.r;dl
rxrllctf:u )-3f?i-t?3•triit;i
Note: )%rri iirii>l,rporl )onr,.ininrnrlhi?i 3ridnr>_frr!m ilx•rlnrrgJ'
(kVelrtrnT.
2. 'ale prWm= adininistrai,r will decide diel lper to hay, fir ittin minitil
or replacid or In mi illutx.ixa (ash or LmAH iq) to die afrxxttll
charged in the C9tt and lmi to immed the original puritrsr prix. Ibe
i!uyerS Asurrxr plan toes nut reimlwtx for shipping mid haxding
c 1mistr rr intaR:t m. am)ddy or ndxr service d)atges.'
Note tinjonlipwaal? n?r11 far m,tekf/:r i indkl &inn rue dnilm.. lrol
salt fm1krAtt rrThein,illjxT lithrrlhI,fheblivirr.
i. liar role rdtim a0 rtyursttd dxunxnultion Within (o tans from the.
silk of (karmic to retain c)igihk for or r p .
I. For stem daipw %ext non Id• milk l d to s(ntd in do damllml pndtid, at
srrxr vgvil .Q. for hinfi r maitalioti rf %mur cfaint.
Note: f/ nrprr:Jnl, loci intr.,/ >vinI in /fir tkrmapiYIIn.h'rct err/him
30 &
I t, -v hwa lbe tkile rrj iatni / to remain 4igilW flue v-Yll r,.
Additional Information for You
11rc htrx4its ltrmikd mxkr Ilk! IItimrs.>•vsltranr t'lan Algth nali in wo
'Ind atedhinial (-anbtroilli s on yf)ur kmwm Onh, yolk :axe those P wits
little any iced or (xpdutiw right, moped,:. or claim to ire umne, palcads
,lir4ardama rs txder to arising from the Ru%cr i Aouranx Ilan.
Sithim to the km s; and cmidfliors Id tin flan, if elk fanbm:m!>rr es
nolifed that air,'warrAtty Iits oiled for ain'r.,tsal (such is Fnknp,.r. (.f
the mantdartaffe rxrxhe rrgknisdtk part,), the Bn}ti's Assur nriePlan will
rnnlhiric ta l)rnyidralrragr. Ixx to extttiJ ax %xar fen ilk; Gat tht:
Calrlmen)hr s nrxif? d d_s`txh an r r ?? 71n Cadre x»1 cr pas be asLal it
pmtale pods in the hum of a p utilic anm)urimmiad tat rather olk ial
docourntation
lle IluttT s rtwk,arxr Min k untknyriuat Irv till \ Assurula Cmgialy
'limirer'). Adillbtitratice rt fc •. Gnrn 1"Ai tCi atiuin.'11fk,ksxmxrd
x nts,xih as a rkwipdon rd anmlp a:xl'is plot a I V)Iky or odtlrad tf
ilsttr w.der:xYlxtentoxditklnsaidMirsimsofhilic, AA))H;3
1, Mia'1 prop the Birds Avntriure Phan Ilse Polity hats lip • i isard to
3t rricmix7xra7rwrlRrl:lkd wx rrsf,ntlfcun.lnt f;lmrran
F.sp '), tlR P fi±Iloldir Thkrknntent npl:xzs all c:.kiinr 14%
fk:.iCTllxkHK of 1tAYr:f$' kit the litiiv stiori"x
L-A, €
Yenneth J. CLik Pmsikml 11uxxIA•llxila). St-ratan
AA1EYAvuraxrGnlrrany UlEA"61rafkxQxlpar
6??t',,-,1k t?1-d1
1. Ahr flan d.kv and mirollat in /htr .tknrrhro dill; Rat. rnrlV
pn>krrn?. Ak rnffre nst i{it- emwiyl pnvhill maI-(Am be
prmaimr1 A6rrxrgS ,rtkrrphrn „ru :itcrn!t'r+1)yi Rrxmrlr pmemm
rrrku:/XUxi rsrti!iorw.
Qtrld reimbmn ad ekxN, uaf ryyl j, k) :Vtvr )rx& Wde nsaltnrlr.
?. Anr /papa, ediAg*flrr,1 ramdlat in nix' ilcinlzrsbif Repprrnrli'
InTkMrnl. jknmerd or (::evil ••r/ )Nit eittrV/k erwlxrl tw ynhl
ralire (flbr jvmnnlpr'yxm' nti'k¢r/76nnib nrkligvkn qj'u
NeflAxrsbib Renv".1lif nom, n4in1witu arrifkrge rip to lbi
.s'lakV bmik :adorning 94fiti rg wirllxaiding cilpo n
a. tnrlrniant rmk fix Ilxur r'rrra6erl in The diernr3v shy) Nramrb
pm,,,rrnr: A JAmrbr 31V Reremnli prmmrmr nOllim1 lore cwfrude
aui mrh•hwnrktrnerllg• el?,gifik Canbnrnrtxr+. LEA u•rII ne4
Ix, jxrkt xdrlr n 9lenrtr('r* Aarrlr h-pr nom MAMIltbi
rrl/fArr! bi Ixrri Inar*rml M iron rli?dt Grnhmnrtx a
nrn! n rani-(inrlmrnrbeM
5. (kxsr???r:ppfi,k+:tirr)'rrk.Vrdi',T,'sirkrrlc
Descripniaa of Coverage
(:at- P.mx:d Irn'c alai Damage hfairarxr• provides the (arhntmtxr, if file
C. nlyiem xr k the primarl room, (as tk#hl<d belie) widt irmtratta
in;trap &vdarraigc M nr duft of net Rental Auttls sullen the Cardmentxr
ills the C:ml !as t4sI.TWhelowi to :titre axl pay loran also m'txal from
•ur' (:cmmtrtdal Car Rental Cnm[xary ("Rental C mgdtny) other than
dace Imikd in,4suaRa, Ireland, Israel, Itch'.)an)aw. and Kist-%ialaid'
the amm)y Is all) is EMNS fm-uraurr.
Who is Eligible for Coverage
%ou are eli joie for mvi age if
1. You areaflasit: rhldiRntralCanhmndterandal kirrimnFxprem'
Card rw Optima' Gard in awidaiion with that Gml (the "Carl" I has
/Mil (Milled to flat in.r,ur name.,
s. Prat am (d ai am-up it Wars and chins that is pnAiieil Car Rental rim
aril thrrtage Irea r rkT as it hrxift of cifthretnhership
!`Ctirdi il1W):and
i. Sour Calif 3amot is WWI from a U S t ,xrrtfngceitl r in U.R. rkdlars.
A 11F.RSt.INAI. GOUX Rrnants Mills GAP fanhnenthrwitn iu trmlld a; an
xerditrd hen year adkW, unhienh'or jimb:ate srfk)nl In the t ritesl
titans ald is re mkig Orient hrki)ts procktd asta licne(it d
Canlndmhtniaipr is not eligible fa hrrfils under this )'sir
(.rout lxrctnl car Rental th-iip rly- or 'Car Rental (il in file fy" nea s any
co mrtetcral car mrtal alaixt which rents Rental Autos.' For the misses of
this Description of Coamw. Commercial liar Rental wren urty nxru+s
.'Rental GAtyerrlx"
Now to Activate Coverage
(lAt rap for dudt,)f or dat s) a Rental Auto is aakoued anal f!x:
carflikr AW,
1. jv=fshis orhiseligible IlanltotheRental Crmytam'torarnrtl),-
RenWI Auto, by making a ImryatimI: at IR• placin ; a hold or deposit at
fi??x.?rt:ime die RetW_ ul.ot.t?o -s dip &DJ out:
3.,RArrx%Orhill GMdVrilkarlq(?W'af.erfirsinnilaroption ("CM') or
pays for a part-rd collision &inaWe wafer: rdkral to the Recital
C.mpam
3 k the Islam mtkr. wixdl is defiled as Hit, (arl)xmihet wiuo is named
at the written jpitmern with I:tr Rental Company as the peml wing
amp takingtxtrrlmlidprmw. moffixRonalAimi-'ftilal?Renterj;
and
i rrss fix' (,ini In pay kit Ox imthe aum rental front the Rental Gxgrtalc
at fix: dmc of whisk- mtun.
Gntrapy' axitintaes it linos while dlr Cardnx:ndxr rtmairs ht ixmtnd old
lk s Aria of the Revd Ana A lea palate fber, six/ is plimcaRy diallefgrd
and am:d)le tonpen t die Rental Also, may be fide Pritran' Relttr if heklre
k tlke (anhnea>bir entering kilo the meal lr lminn.
When Coverage Terminates
Crhmage forthdtr10 r datnil to Ili Rep IWl Auto lemiirtalis %ite t:
• fix Rental Cmapany rsumes aonlrol of Ill RcnWl .Atltn, or 30
a nsmthr days ahcr fix Rental Auto was Paredes cut. whidliever is
ndim
• do I'ulx>• k etnadixt
Length of Coverage
Car Relval Lm and ikIMAW Irairance CrkW%digabk: Retard Auks wixr
rented ntxkr a w ithn rental agament from a Rental Complany fin no,
mtm Than fin rmrsrxmthr Daps.
Note in m+ enw!rlxrfl over. fix brpnit.*W rrdxrr /rte 61r,lmernbo.
miff, a Rirrkd.LfA+/x?Tnu/,itiautvrrn9lrtknainun Nrr.vmreWn/td
(ompnq: ymmffm r fuh1k,r Ibe nri.;-hnd ,rmivined a r i*n, hiel. or
,i nirn a'ri/At-) &.Vm,. olf a enlenrl into. or a nerr i+tfar/r is rarlsrl.
Wifioftalh, im coiuege will Ili lirmided %lxm tike Print:xe Renter ntfe a
Rcllial,4ab fix mise than V a,rtsecattlle daps out of a 45-ihv period within
the same pLrn'I,'aldlic markerMratbn (75 mile ridias).
What is Covered
Car Rental Intl and Damage Inarrram mimhum a (artlmernber for
paynie s is damage In or tla of a RarWl.4tio that vim canlnrriber is
require) r) male, up to the kaerof: f) tlx acktal oast to impair the Rental
Aram. l) thevimltsalle Book Value mhos Sahapg and eleprciation C'm or
3) the purchare inn illq; prie 4 die Rectal Auto minus sahage and
depreciation omis The carrage *D mimilxlrss the Card mariber for
reasmahde shams itMrierhrvos incurrri at the daast facility that am
413 670650 7/19/03 5:02 PM Page 6
usicd and cusi,nnarr in the iidllily in allich the rani Ilitkil!k!rx'r?I tank
place) im)KS:tl It-,' the loila.^.I l'onlirny. seed as totoingor it pK
C:u' Rcitl:d lira :old ILmi:lge insnrana coccus !in o0ler rape d Iris. fns
example, in do (rent d a tnllisiou irtndrinl; the Canlnxntlx'rs Rented
Antn• dunage 1( 011) other dritvr's car or the onion 4 .:rare or anything
is nol cnren'd.
Note: lY.l/liar J/ie nn/j:1r1'ak' liabdill' (T)Ierf,i' fire i fnttu(nrl
!h Ix'Thal.SlUhkM81il'!6+)4[,;'/il„rJrravJtrurlrrx./Al/Adil'
l;"of-,tslm!'rrot rnnrrrdrrrYt(leurT•nrue!rJlXmrc
What EXCESS Coverage Means
for Rental U:n: affil lkolage Ilsurnue is ::r. ESt NN i Nimiis(dan. Ths
ell;aura tllat this FXCI N; ail-army' mill rimill 1!m i.;Wro +nbertr?k fir
knsds'i';gxnss non axtreil bi pd:us. such :c a partial ailnke! dkanalx
a;!ilef ,u:c!enrlnal dnliu ilhufanm. (tydu tri;rrtn insurilltctr
"Onlillinienlctn play:orntlrrsnua5 rd htsurinia- 1itnl (Var>Jxrpions
al ,h a i:ar.bix'in!x'r Insist fin; sr'k payment or r. imhnn-nx'n•; sd ac;:ix:
a lfelcmiinmion inlxd on the staled temtc (:f such idler i'lanc thatany stmt
flans do not i)rn*k- aver ge hxkxe this IYT.SS roan! ail ndI bane
the Cardmm)lfxr.
Vehicles Not Covered
(::IF Renilirn .tdlhmt,,. i,trtxx(kmstornlcrnr;kthei.
I sfxnsrir in - h!eh nx u?s Ors sdh at uripri:d mantiNnu is
su)• ti'l d fit ul rat Kr i Y51 era) or non: ahel !x11
• t..nu, car, n•,aniks l f tr'dr(q talue. irniiuhng, hin io litalim to
Clxemel rnnctlc,'I'r,d is Supra. Maala RS-'. Ikdl7r Igrrxdtip ahi
1'It:noun?1'n)ist,??lnscr)ichi:AX)GI:%Wwn3(!II'/.C. oiarX.P%Ai!ra
^:i\. }lemurs tit. SL6. S opals' aiul F;i;YI t.oulx alai lirnc'nlt!k.!;k! d'
11,i. S :;n(l;i Series. Caul!Ikx:111aI1'r and ail Pr,ry-ix. I:rran.
lam!?m;iiini, tiav:rui. Aslnn \i:nr':in, trtus. liug;ali.:iR:r.ulPl,t fiinl.
N:n?k'i. iLdlS kottt•:
nieks.pir naas.0,10111 Un,.
• fil!!slnNl sun... ilxhulia", hit Inn: holit(;L I. l':ml Fa+> dku rv ty:!h
It ! r. i lfett \ r ,r Sjoia I t, t ;yli' 1 ln,turl :nil Ral,.I.W*-Rant
r.s imd t rat \\ahtn:
• ll."I s Olicil hair lien clukatlkil ail malifief fn m the
nanuEmtc:mri f: rlory yvON-ni an cznpt rorhnt rs asst [iir
wRlipnxnt for tux physk:dh'cbalkngd:
• cehik!rxtl fnrhir;tx ltmxrrcia!ln;gxc(s:
• niini-vans trod for u)mnxr,-ial him.
Note: ' "nil. I+iui-leer., /;Ynl (::r;;zi alrrri t n!. j rrr:bpMa!
Nyttf%JkY/seer/%11d;' G!(alr'r/r r±J f'f11M(YLtR'!P„k7S l1r (fN . !IR'1rXlnr? (Ail! rr?
fins/JSd ice. lArlu' (il!!1r/ir. J'li'nll+lr(1r 4b?r1jkT. J'hlrl RHaffAll'mlf!
;tYccrn/ jlni_N.:nt' aarTTrl a lire n•nJCa 1 inn J1Txrlrr! err tv;,armr r::fl'
only.
• :mtigiu'cin.uilirhem;:!tirar!hat;ur30yrllstddlrh:nelurtftern
niam:Ldaunxl fox am fin nxxt:lu!r..
• liuxxtciixs
• ';:11-sitnl yr9'( (Itihn ictin:ks Gidutling. but im li?nttal In
( rr.leV(1n SnMud)•m 1 dote and\ulam •rvtl I'tie6+i>fs fkixdtt
i a4?r. Ln) a Lnxl i r ix I, h .is I,t i(k Railer kacrnrbtlhs(xtl
l+omd tines-,.
• sleyrb,?tillh whidesuheDdmcn'(d6rrm&'atul
Note. V ire;, MnY.On+{%1/h7 ?' r.rdiickn'. nrclnih n . but lied kirliti ht.
Fnrrl lihJdoree,ft q) (:rrrri!(Jwfi»xTt :1'Liu(Ir Pir/i!Jinrkr. R?rllrr I+rrr
hyaena!; (>lx'17Ti1d 1fkCtTilI0Lxnr r ter/tT rnr<l;t:kkr, m'rrattvl
,lbol ch-in'ti rjr! Jyrirt/IiKrr h'.
• off nn,l ichkfes noon ki. nxyrx$, rimali(ln:d ;ei i s. pdf rv
notPli.,sl carts, carmxls. traile s and any rther hick mate. IS nM a
Reran:! nun.
Losses Not Covered
Ca Renal Iixs,uri i hira!,+e hnun e, cites
n!N arTT macs (snake In- III
aninihiiiod to k%
•;r;irdirnoIlk, R111:11;urn!u•:t>latimIAIlle bills a?aluur•klk t>I
d)c kmnal C olpai, agms)xr,t Oldliuling hit Ilea lilnhkdb ktt z
ouxirringailed.:' raison InaIxnltilindin (gxrak.therd?idept
wqxr, ?!to
tirnt<ti Ik nnlul agnsrru,nte:a in pnsi-xNMon!r(al!mlofi!tettint'k-.
elf: drhink file whfde (VAISkk lif !ilv andloris'rl rat AJ teroiln r
• k av,i nil n!tnt kas(,I Otki:s
• uis+.s:i1nihoedxiit e!ianntenialc1fktnhdGxnpillc'srernudarira'
of dowg hrnior's,:
• !Iarntinl aldau!ar„
• il!gadarlivih.snit'Ilas lwsainre!ficl(ortal.ki itl:wii¢dkw.(M
wmltiJ in ifb!,al :chichi orfc'kmy.
• t!rttistinga:nafitkxt dannittnrikitxl
• alroholinmstcltirriNitheltanofthedriirr. e(kt'rxdinP.msa uixn
the Aft lean; nrunul
• inlu!ltarilytakinganydmgnf xtingn»krtlcinik!t+rerdGl ditaF
dnigiunk ,!ken asl?rex•rilxtlor adhniristcrvlha1itair
• ex or militanaaiviry;
• r,Id!crldlieih:
• u nfi rnkrt hs authority;
n•,u' :on] liar. including gradual dkicrkr:etion'
• dam: i;(' winch is due aril axiintd In fnriing, nxcllard-tr tiuttk:al
11puk mod or fill InFu unlussindi rkmlaiw rest dti Inrrla tiuhont'rd Ire
Il ie !'(ilitA:
• falhlr• In return kegs to the Re11fal (r•ill!Fallt• tdwil [lie mere iskolcn:
!hot or lama„ to i[tkTnnel u'hicks;
• llx'fi tior danulgi- to tins (fiats or hen on1s), w?less danulg xl h fire,
Inalkkxr ntisdnief tallxl:d snl. x vdicn, unless th l t is W nci(ktn
!sill noel Gnnillu sans cause as other lens anted he tux I'olky; and
• f!f-rurf yttrati In of the Vehicle.
Car lZental Irnr a[d tramatT: Insunllfkidoes lint pear alhf lxrteitts 011 Iron
be rrokl ten:
• sd s tam mklkd to ryxtir fidanu-, s, tusks Icind,urs•nlcnt of sad; sales
ta:. is Ivauirll in fire.
• (Lin>aW to arV:chick,(After than the Rental:4 nn:
• (litnwt(,r to any lmpe ty ether 11 Ian the Rein;d •5ui 1. (Ixlo'S I r x:n;: !w
tents IVA fiern):nYntlv alt,xhxl xl (Im ReoWl /ropy
• lixlrjur(iacnnicora?y!iung:
• (xlrh as:dri mend a, hA fit pail for IF, IN !:V•ntal t,pop:nn nil its
ihtuitT.
• c (xms c-anion,l Iii the 01111n(mto's peril l:al ;III[" i:u(uec unpkner or
(rul>kntr's iraifer or aWhiri-wl driicTi rill:
• gets-:dtkd In frsimilar tat, inks rcind?ail peel (If s(tu'h lei.( is
r,•yairul In haw:
• I(xs of et& 1115 kmlakxl bF Ile Rents[ Crxupotny;
• d!mhlishine"of V:dlle;
nlrRental:Anotealfor hire orco:nnwrcialpurfIl ;and
• (ipntrintion, anim r nnhi:RCnxnt for drp;nri:u! in is rynirel by kru
How to file a Claim
A CanhueFFIXr gnus! Ixaifj• the C: RiMal lien. ,rid Ilatirl r outs; I.nit
lalhlm in
!;$K13.is-I6pi in iix I'i+ liuh rn fill !-WI-41d-''KM front
ubr I'volinnn nrrkk idt..!:!thin Olt hall, or as Siol % n•:mllahb JIFF 4111t.
lolilraing a hb,
1 aprx•rtatitr aiR art,:err:!ill Ip!tstiuus a Caninxnrher nun hallo alul till
r;ld file CmI nriftiteTa chin) f(rni Ilh imInsttirens. r.rr!ilk's ated 3it;i1 ifs'
cFarli1nrrrk S'riticllprrmidfills. ,•:hiltfixbdks(he;laimterna:xlall
other reiltxss l,ketmxtnalenh ilnhxl ixknel. must he reared allhii (tai
d;r s k>fkxying the lake ai Iht danryta or theft hc. ailxsrul t:eFr,<s 1;;n
14111 If I, Y's ail Ik'.113A (lainis Utd. rAI t I it ell
!'roan'I d klilaung
(.renpan I'D1Hs /-.?(1(stii!d.Ohio 14If)1 i`") ,:Ix.roxAlil:n,
(!,id lllf0.r tkxiiiwl',ty,ii is IKl r,txit(rl anhil (ill daVa of due+Lne or ltn;,
Fill, tx't111)iil.
Naplhtd(kx:turlt'ItWGnn maTanstst nF, bui isnot hinixll x,:
• fix:ru;Ixdardixrnpk'oxldaimfonn;
• an i envAd nlxen hill;
• a coin of dtRgeslip for Ox rental of tike Rent;d Auti, Rented Auto
coulW or oachinc genern ell receipt to sl Nm rental uac chlargaf :rod
paid fix with in Arnetirm uprtss Cani;
• a 1»lice reprint 1'i algdicahe):
• tihdosofthedanufiediv!ick.if:nailable:
• oarlnrdthe- fins kiniter's.authr„imltit hers wenlpkntr into
insurance omeIF,, is if n t:triml filter suting fit) II!V.nance:
• a cnpy d all claim d octun etc and fillrei ldence.linnirkxl by the t::u'
Rental Company.
• a aye fitlk' Rental cunigxtnr;,' utilization lug:
• aoyneithe .biter'SlleLrlk4IIK'GInInxrlixr,uxVorauffimiatidriver.
link%lxdlfinirslicen' numhTSir t (u, the inled a;n•:+l lent.CT, titlatwt/lksi rental::9nx'irV7d, flsik ihl Nick.'OlO;dixilluo1t,
ctixn tlK RtsIFll:ltuo •a,? ehtrlal an .i:ul e m'kcdnr. a')d
• inhnn:nkxlgx•tllklknfontluT:nailal'kinstu•:inm(xxcrrg(ls)
arlnx'mhrcooperationailhi nsn•i11ctl1,htheirlieneFits6required
If all ryuimal dmuntentatinn s not r xcK%l vJIhh 180dg, y's of the date
of lens (exapl for docurnen'toti(n which has not lxrn furnished for
r.lwnsbc afteralic may be denial.
How Benefit are Paid
NI Or Rental lim and Damage Insurance pn ents reimhumthle
unifier the pddit are parable: to the CArlnxmh;r• except that payment
may be nxvk. a! the discretion elf the insurer. jointly to the Cardnncmber
and the Corsi tcrrial liar Rental Company whoi the Car Rental C(impam'
has nol hen idnd,uiscil for the emend loss or damagu; or the
i;or irmuler lets nil Validlc :Issigoell his/her p(n!miIS o file
Name tuolx)any fix aim other par-,.
Note. lten(•,' h rrdi i ad hV JNlkl if. 0`7 4' 1414" r,'/ IT,'. I'll /1i rkile rile
el, nm lion or ref CrA• rode r,(lv lctrhaf deem? J+renlerll. ,1111' anmlrnl
der or/?r;nil P.rnLkmmll iV 1vW tine :+r 'Lair (ind i, crrlcr(krl '
Rights of Recovery
in the entilt 4a parnxrlt undue' This Polio. the haurer is (:nri?hill to all the
rights of nniftrr L411 tlx: CanlinunlxT. In tenon paptrnt was made. has
:Igalll l :ItMlx•r Tlnit f,;InLllelillxT tnUil 4,4,11 and Ikiittr to the insure
sine, legal pagers mating to that Irancr. th a hakTer else is elm ssan'to
help (h' tllAtrr CxiretYC t11n3 rights and do nothing aftef !mss to hi nn the
h).sunr's riglltt?
Vilin a Citrdmxntlxra Ginnie vial Car Rental Cmnpaily has been paid
damages timer polio ALWIS. an(i also rrovmrs lnxll ournliet the anio rat
mnver111 firm fheodrr clad le lx'kl by than Canl! ocuiber ex t.(ri alereind
Car Rental t ornir:tn in uiRt hit dh htsilrr and reimhusd tU dx° exh:nf of
the h slants p;nmemt
\c a etxxfilko petxrkrll to axe ni;s: the Cardixrnher IS r xprfnxl. aril has a
dill":' in filth vioperak with the insurer hinny iine tif;oti nis. Sul nr atko
111:1nm Of k -,d pr>axdiI I* by pnnif ing cag,ii, ri any and all e,,.•d nogkw
a:xl nhy r[d:iNstaleixrls.iilehringSunni slaonklle; dais inning
any crthet icicrx ale doettn ientc to Romney at*1 in to a lisle sloe i i file
k-x!I n164T
Notification of Legal Action
li'iten a C:mbrxrriliCris xT1cd with suit mWor sumnlo s papers ruling b
a Or Rental Lora ardl)arrrJbc claim, dx Cadnlember must notify (sec
aihersgand phone number under 1binallotior scction)and pnrtide
copies of Ile % IN orsulsnns papias in the Car Real Lass and ibmage
Clailm t:nft s idain 15 dais of wiles theCanhnssither it scritd Fallum o
axnlnlr may rclk in arriiiii ti bet fns.
Additional istonsation for You
this axtrair is ulidini tent by' A,10I A,iuarme('extipany ("Insurer")
through Innis u ce Prrlka•A1C$35 (tlu'-Igicy11 issued to American Lifluess
frail Related tienicesfsxrmam: Inc. and Z participating sdtskti arks.
efftiiaks and limn wL 7be pion ntl Inc diangtti or kmlin aw.
11!i, lfixrifgiret of CnetraiP is an IngtKint drntnx:n I'k:ese kap ii in a
; old:11x• Ate)xm4)Rikscru3estheprekrnhxnsdinsurance asiteaisssat
d w tiles of primkrR des drxuman is not the P(&- or contract of iisurinoi.
tax b3xics okx ifted in this dlocrmxl t are srhllcct to all of the ores
co dilirnts and nchaionsdtlie Policy islad by the untkrwritel lhis
Mrronefil npk ins an psi or Da cripliim of Cacrage under file Ndicy which
Mill: hat fete famished to the Canknerlbcr
110 / 19 A 7 ;10?A'114
r--14 "4,4,
I'rsiikrn Scrn"atrv
AIIIAAsoralmfomflany kliFXASsunlimCompany
6.4"fl if !r7 foam))
1. )Or (wet'e/iK#*Ift„mmpetllu;tk'mheitsbipRminl..l/r+
dhm1kri,O kv mb nt&nyMierr, rttfifknlc B IiQ4 a oir'rrp, • u
Jaru'kktl peterh:1(erebd:tenon lttrkrl ifs Ilse l:Yr%Irt/VN rj
Urrrnin.
3. itltnr era rl in cfh*nx11(m 01b a .4linher. a(r Xrtmrrh rerhmplfon
a Viarle. R{k(xAr/idjtda{v Ain' penhrl (.innprmAV mil Biddle! h,
-.. '-wo led rust Rratyl
'Jelril
?. h idkd>rrmrd arro&rl in dkvnbn;ddp Hernrrle, mrtTxr(x' it' !elan
r9trrlkrls6rrrAkeGmlinm1ber(1)lrrralVh, aJfilnbssf,#,
Retrrfnlr rR'ilissinaw rnlif?arle n&1(2) resus' o A1rn1bcF35p
hvrrnrtr nw1vt false -Y#b11e rat n/m**ihntg Umrmnrird lm
/Anted Grm/nnk: bupmlrm/ nort* Ib se enrtdkxl or Ike
,llnilift-xp lhevrrtcA 4Mn6rnl, Rennrk relacin d nil cerl erogr
(imarr$•bentktmt/tn•,4#iJhscnilinHnbty Rerlgq,hndlnrd
!x• prkl ado a Mrmberdvh pWM& nrknydian aailJkrrh tees
held Inun(rmtib 1-14ig#* (inCbntrrrb!er mat/a'rrort-
6mbnatubty .
a. J xs rind n1 #r Io:tibr• Y.* %,te n5iehmlx
Program DesuiPew
Rc?thm I'naccfkn nKea younraMCld protest s.'rlid.'tetkln on
elesigrlated
ions purchased rtrveA with an eI ribk Aerr sane F.spn? C_tnl If Fat tr'
to return a eksigrroted ipso uidlin 90 days from Ile date of Imrcha"i a?d
the nx tchant wol!t Fake it Rein, Atmerican Fapniss will refund the full
purchase prim; tip in $3M per firm. exduiing shipping and handling,
and !Ip o a nrtsinum of $1kW anrtWlly pox Caedln!anber Amxxml
How to Rue a Netma Pro/ection Request
C"ce You hate Tell ed drat du rrterdtattl will not accept flu designated
here, call I-80D-2T-W19 W" 9D dais dFlu i uscha ti date to notify its
id your rML4 %.*in 30 days from tit date of your initial call, we need
to receive the "InI by
• (hlgnlnlsWmnlapt
• American Ey>rts; Cali reared ficharge
• ,Ally' Offer iksnx *m" racrnrable by a to pmassyror mxpnat
ftT yntn Rlpttst hs base approitd, wet will be insint(Aed m send the
Purchased [tell to mwr7fu130 days. Flaw keep a rmml of )roar sliippin;
shiianxsn, as cots will need in pnwitle, fill of shipping in the tve!!t that
writ dfvipiativl itu s am nol rveivel Sml are reap isible for the shipping
and handling c[ asp 6)r the itern. The Refund- up to $iliff per ift art([
III) to .1 "MA"nnn of $1So per cards crack r ilex tear-will he
rialtntred to Sex1
Limitations
Purchase nla be made in the United Stales and rbargd in hill on Your
Card A Millard WO n al bepaid if. on the dale me rmht your Return
i'n tection Retiusk oron the rice d iladd-be payment. any amount al
Four Card kcoute b past due for exec or time billing cwle(s) or your Card
is canceled. Rtiitalk are hnited to 5300 per das[piW item, and $1.000
annuaik per CwJoesierAomtmL The item must be in "like w,
co ditii nt (not iiski imd or warn) and In w icing order to he edigibbt An
licit is eligible it it may not he returned br the Cardtrrmnher to the
nxrdrull fmm whkb it was orili mly purchasad.:Aln' inn purchased
Fnxn a. nxsch,•en that bas an estaililistxd ntunJSatsf slosh guarantee
pmiigrant wi!ich is gomtr dia11 or erWA ter tits l rm of Ren m lints c on,
aid protitlcs mwTW W claim. viii rxa he L+#* fist a Retum Pmxxtion
Refund. F'mkrct dalias, nouns or n)on y x'odicd fnxn knvtst pricc
c xtiparism pwq mn will lice d edul trill lit original cast d du it an
the mi-vinum lieu wit beennrpasakd will err c1a1d the
maillbal-mr, s!rgesNretailprice.
b13 670650 7/19/03 5:02 PM Pagel
nark not eli_ihk• for a refund air: tulimals alxl Ikrntg p12a5: of (d-:.
li!ndiien iiachnd!tlgantigtxs.:u'P:.tni..:nulfursl:linhikrirdia,,nitenu:
(i 1i our +d b trines, sill, ncros: ? msum;lhk: nr larcbahlrib•ns rtith
limiirrl life yl:rm (,udi as ix•dunx. ltghl Inilbs, nun-rrilarl
h ?cric' t it i lr (I xludin( rot w a lr.unnl n Brim Rrtw pn oxK
n s 1x9; Is wl Ix:1rs)' t I e; rrecec I I xkb xnl ll rr l Isnc; :ic
n1 allatilm ch n (. wall lees, shl,lpillg )) nI0Iile rvNl ). ran and
pr.'rl0nt (plil?: wx 1. alto td. r.•in;ill and mh!dtiaxrt irctm.n:snmrbuih
1t. 1s. miuho pltaots: pag<•r.,. csn;l;:ct dnc , halal tidov ,lira: nullklias:
alxliatnj,m ci(k{4aI u;, olin aver vdhrati : fimrv. are (Seim cull--+k•
t nu , Ni;ncmdo. efc); mars !Necks of:un kill([ Irdthcare item (such
:js hl(xxi pr;mw nl:(rhin s :ind diolx.•L efuipniedf. flnltd altar, tickets
of ;unc kind: mrntx :raid srh!ckK (such :is ,=s,
tnxrs nx(xc x142 b ans. or
ainrkmxs ) ono their parts: land and bukddiaLN firelln"st antnulnition;
n(;;oliahle nlctnlnx9lt<(tach:is pniniisum twilm.sianlpsand trawt ees
chucks); crest) and its equivalelll; and ikelis pemra!ienth "Mined x Ixn)e,
otfiu. xd:icdcs, dc. 6101 ;IN g:ira (,kror ojklxla tar almnn),
ff tvli hale all, gnestiiine reppiding a Return I'naerlity RtYpist or the
Rcluill'rolctiunpnv-111i,ple:nx-call
ollrftnitmlerSrx:cf Trtrnunt
A 1 YN)-'29'-8oI1l
Srop,o? µ g? ?;
.t?t. Atrc:t?a f:? .
1
Af4f Agscrn{
?.At','?14Cdi? .
Description of Coverage
Covered Persons A ix+w)n sdrdl be a ( wrild Rini mi k9' file Idankel
Mi:.Ser Gro:y Pilir y AX0199. (lhc' Police') onit• if
Ix w ale is
it 1'01444;1x1f)(maven,aR;cicur.4klitOnalcax49nmflerwdxhas
ITI) ref llle f(Alm;itig Qutk 11i the 1-NM tkd pn?nxnt Axmnn nfiered in.
,mn!utlrtiotn wink: alit u'tile folloving. fotied!n'Anorrican Es:pn>Ss
1'ra:rlRef.;!=.dler (isC(mr,ant:. Inc or its parici;dngsuI)bkliari:s
k1relir m Rspresc') it: his or her nanxr:,Ulerk?n fiimas' Resrlyds
(Arise(:ar.AatrrkvilI:pttas' PrlcruiRrw:Ink6xrnCenl.
A;lvric2n 1,%IwNs' R±:r: lds Q,IJ earl. aall:rkhn k1irm, I"erled
i?tsa:nh (;rikl Card. Anklican t\prrs' Bmkiss t'arl. enxtira l
qta?.' C;tch lkhatc Cant. Ank rinct !:,Tian Cennmaih, ItKille,s.
Alil neon F{ qws ` Coln (2m1, Anwru'an 1{tTtim hn(vnran
Tiro Iai$91Rril .(li'ikltll G(:kl (::utl. Am+rk:i; ExpR i' luxan C,1141
R d)ate CaJit (aril, "11x• Ao ric!u Is!ecs' Rain Cana (11x;):
A; n,•rit:1n f{xprtts` tiakn fil:vrx sc(;mL h'ankn(Ilaaaiil:nt!it Cat'J
loon :Anlericm h:prs. li:mk. (d I iatsaii GtdJ i:rnld rain hum
A,mrican Pxi riss. &<t I:ak• C: n 1 Rbua Pale Bn4ms (rvxn:Lhxeicm
f cpr:u liku• fnrStutkrs", lihu: fmm Anurx;uu!'ap2u )kt4luss
I:apiwl f aux fr in oPiiA'flx: Snudl Bus hiss Aetoxk", @: i!xm GoIJ
and (r nn 01'1\ 114 Small Ill ISioVss ti(9wtsk", Anltricaa Pspnas'
IAesi!xss Alan;;•?nx:ni:Annmtl firm tti'I;N: llk GrrR Itailx•ss
riehrurk", fkcsine s dlr n11A7,Vn/, Rown6•'' CatiL lkn(dct11 I:zpn•c'
Blaitxsfhlydurot.AmuntnnnOl'F:P:.'llleSmdlN is (ht(ak
I uyrrs It+mvls (rnl Gnriuxn:al Orel err GrtJil tail krnn Alnd'IiCm
! splts? C xp:,r(k C;!ni fmm 01'1 ?\ 'I f `illlall IUNIk1 AMW(Ifk"'
ind! hling!xpgimlinq with anaxmt nual'ar 3i l ih A:rakan lixprss`
R a !leas (:ash Rdx;t Col fi'u1n t 1i'PA:'llx S mill Philp, A ?stud
!:omtemk Qsico UJ fnen OPI:w: I1N., Small Illtcrie r Fct%swk".
i 1,41a'Adlil s' Btuhw: Credit card fevm Oi'I'ti. ile Gnall lAainus
Nrnsor. ", Gold IX•IIa SksAliks ` Businu, fnJ!I Gal fmnl nIN'IC•'I'x
;in:Ill liROW-s Ac9nurk `', ! kdl;1 Skt'aiks' rrtlir f,9rtl, 0.4fa
-,U6' options C:nd Anxr!r:.ul iil.)ero lsr9nisv ikisirm, ('ant
front01IX Ilie mall!ttKi:xs\r;anrk''.f kl,Unrcmla!x?'s
x4olio (]tsiit (:ur^I. (?old Girl, fnltl i}dtu Sic lliko (:edit to 1.
(;nl(i?r91kx Grtl, (:t;kl Shukett t:anl,:lf(xnhnsrj:Iknr.:nk' t'rriit
gaol from.Arnewnn lapnss;:l/i+irhasA; Nn(v:zk!tjxkxta't'rlat
Caitl Porn .An'r'riran Cape:;, A choral `duhgtk SckSt6s Crtxli! Gant.
Optima ' Cant Arwuntc, (Arinla"Cult Rr.e r b r:u;l. tynima' Gold
Card. (Altura' Plalblum CanL (> itinla` I'latinlml CA Rebate tail.
()ittinn` Platinum pit rrl Carl, Pelwnal Gild. i49wnal CIVAX,
Carl. P(winal`nt!ior Card. Personal Stulleni Lard. tinwn rush
i Runts Cant Plotinum i elkl Ski Milts' CrJit laid 111Ab!lim
SilopRile Wit Gil fm:n Alrxricml Fsprtn. St9n;xd Prierrnf Guest
Crtli! Card fitmt A;mrkcan Iixlx(ss.'ilx Antelicatl E%IwW' (ki f Cud,
'),fit, Pkkllh lnxrirau F.aprss" Ca!t1, nl( j,,W4ih..Avow. n FximNs"
Gnld{.arl.•lhciillkxl I!Ilervon' i'IatinumCm(kIC9rtlfnxnAneeican
:xpns<. Bin;,h:cnym Sariv KIA G)kI 1 hdil Card fnxn Anx9k en
apnss. Bbn(I!:a ffin Sat Nits iUtnk Busilx•a (;Ittlil Catl fnxn
Anxtncan kxp!t;ss. Tk: "last l?xk 6.ni(ksarlfnxnaausk'an hspa>
TI,.; lira: ltvi Rm1}}nx I art hum ;aerie I Fvwt%, Rx Surill
ritui:x^s rail fmm Ltrrk rat i :x
h iPS-rirWilf)tyacn(,je.itli:I*or lekhtlitnal C-rintivilw who
!!:a a Rework Was r,(dd Carl orpi)rttc ReWank ibs Gok1 Cud or
tux ca tmkzl na;:hktn Arrotnit oBenrl in mniwxtkat with an(I isu(aI
hl' Amrrtem !.apr•, s'i'nrrl Rel:nal S •n ns (bmnarn; Inc,
or it;
p•riicinaing stlhskh- rks (Aru:tiran 1?,fire-, '1 in hit in her name: it
c 1 br ;;rv)fi 0(A) a uvniige, it Basic or Arklitlolal L•nlaxsnkr wile
I1a ;) ;lminum Carl'. fikii!; Aln(rirxl: Fenner PIatirunr !::ml`,
tnvn,can ii :pirV* hnt;Snx9t1 A+.anagv:nxut.kweln! Platinum Owl
.
American FzpnmBusiness Platinum (:;Inn' fnxn Di'i 1::'tlx Small
Rlisitr•ti; VrMZrk I .. is I Icait 1 m { Inl', Aa1x rN m relents
11010 nnu Pn•arlaad S; t%tn•s GIRL LAC Ile. I'launt:nl (,r all. extcmck9l
Icl? IM111 Aarmnt nlftrttl in r!!niundi(xr 0111 atxl jwmt In Arleric;n)
Iixpievi Tend Relakd Seniaa (ony ur, l1w or its partkiiiating
ao!sxlnnes I -
Arne,
jean l_tpn ! in his or lm mole un it Platinum
C trJ >txnuult (x
J b'01' St. i(y) 000 (r rvnr; a tS:Mcm A 1itilmal Car irmnitertdrl
Ion o ( linrkm Card, ?:ncliran iiapnss Ihanuss t:eunrNnt (1:n1"
Ilan 011A Tei0jalllAUintvhoih,xk'Or file exk9xdulp:rsnu'nt
Aa.xlol Ofiietd ill IMillixtioll With and Saud In- Alnerie: n I:s'pr-&i
Trcri Retard tiueices (Aetpaln'q. Inc or its pariic*bufing Subsidiaries
i'Anlelican Fyxc s') in Mint her nalrle of a (lrnurion Card
Awaint; or
c. tux srotr(:, ikx)kstk Parma m• Cklurt(k?nt dlikl tutder ap; 2i CIf arty,
eligfbk• dxrsm (kscribid in (a). (h), (c), (C) a hoi,ri and
3. hs (x ixv Pemunait Reu(ktta• is in tie 5o Cnittd States ill Anl(rkn.
Uicbiriltf Cdunhhia.l'lxtin Rico, Of C.S. t'i bin 1.4amh.
Definitions
A d del{' :dxeuxr:u J in shin 1'u11o nx'ans all (i(k:xTKrkdVMn wnlCJl
rn1SS ;npun alul shall ahn itlchnk•('yx-wile rtsnhirg fan a msimp un a
Cannrxl Cirrkr Crinu aw- in n!tirh flit. Craxrv! !Poem ie tr:ntling.
41ktion ll (rdn cinkr nc n , 1 s nldl t ll Il nit r h s Rosh 1J all
A ix rid ao f pre&N C rd t ifit- rx1 x;l d F 1r t;nthl (n! r fir NI l in
rlllh'.:Ihxi Illii 11 R,ult. (. minx-'lux( Ankri m I si rt s Card liumlill
x t:lyxssUid .,hiPmc In. u; fps un(rsiay ilk k.m ;a the
Cat* tirVn.p.itsImleJ lanclueler!'1+9t+1 vans
Ilk C n!nxmh•t" nx (t it 1 11il Waal i I r. f I n* l} i i
lit nt1 l if F,Gx. m Ik'r N1r: )lVr la ,1n s Q >;I ql Alt 1 &'nt
A1t$riL`IIl \IntSSr ;irl'ro.Y'nl
fohmxi(amernmansalar.I!lortvAirid kbxxY
than a willab ikxmtd et cam p:uamtgas kx line enld aurilal k io the Ituhlic.
A trip i it "Onerull Trip" if:
1. it is a nip taken Irv die CotrrJ POOH k9IVUll the j uint d d e rarmna
and tux final destinaii(kl as shmen on the (:,rat nxl Ptmn i oeke i or
trrifaralion issued ix the Common Carrier t'Unrerance: and
rim Crnrrd I'cav)n's (utin: fare for sns;h trip al data Grnnxul I' artier
Col tide Mnlxat xrkill] h• dl:utrd to it sjxrffc, Anxrknn Fxprss
( inlAa*xnnprinrln2an Minn:
°lkonxvic I'arrttr" recur a lxrsnn of @ne s:llou ur(tpptukte rlxler Wl:u
linos lux dr 0 iaing rlptirenMILc:
I hasShandarakk9ktwitlillxR;uitnrAlkdi!inndranlm(ndxr(rxtl=
halt 12 nxnnds and Ands In c(nltinmt• Jung sty:
! n exit nuirtri k• am dhcr )r9wnt 21x1 s non nmunilnvl to:I:m!11(r
Ik,lrsti,: !';Inver,
i Is at k,;M Ili trans dl:
4 stud rfatnt k dx• Ira k (r.A kliliona:I C:uJnxm!x r n hkxtd elverilcul
r:Auki Irar rrnriagc Per state lint: and
5. is file a:icurkkditkmalC,1Rdw.nItr
andekxlutcn2tity of mutualfina!rials llprnetchaseopraorPoint
Itonte rAvimiship or lease, colnniot baulk arrollll'S, cr]iit card; ur
imestairrib rain k: aq)plid
"Iniun`' mianc wk- injury which:
I s Caused hi' an Attid ent w1 itch 000tri libile rile Corral Pers(n15
insuma is in liter wrier tile Polix. and
2 rsuls in IM ktsurd by the Pdim •uxl
i rn,uta it lam (ire. ddreCat nod nxI lard 91t1y d all other caL s, to such
:aidellill Gxhs injury.
Itmn!nent Resident' nlealls the CntzrJ I'eas)i s n:x lirimar dwelling
place. wlx re the (bwrd I'ervm (lunnaslenth rsides.
Benefit Amounts
..r lx?ayrlrNnt(nxrnlx+Jr,•p, Ur (.(uirrrllHwm mill mrirrrt lxerrfir
(rriffj1lAAIN•Nr vi(rwi...Fi!M;1k1)
...4f.i(1({r1Cdt(/?a,nlir{ern
In•11fi (j,tutsrtrrr J=VFT\ (ard.9 aural rravrh dvfrtq•llrt munun.
Grrrrr (irrr:'Nn7[x'&rer(?r /.lvGivn•mllr:7•. INetts' nglrN,? r4'•
Cotrttd Persloas.wii:a! t>t 1i1k l:r ri/,lr.,•: ,tl r'rx:•rrS;v. (%:ior! rut•.?il!
Im"Im• 1,411lxrr(/f! dell n(uuvo(ge:gy,i.;c• to )+»u• •unrra!u /af»t?s
Gtol /rt(rtw (rxNirc/ lheCictvv(z•,Go2riu Ceder rid! /irz':rr:n:•'><^r• L.J 11
'w" .4k, h!,* r? jnr r 61111, ,rGn 4o.,or on non (in l vrlr r.,a r
'lit .e r' -, s
I'm of lid $Ir0fxx) $'250,01X1
l:isnremh(rarrn/
! iss d k (h bands or both kct W PAX) PAX) $25o odo
1MofOnehidxl:mdomfolt LI(x),0(q MAX,
itss(f nlireSigh n(IMets $1(p,IXq $2Si1,IXX)
isles ife wre Swit dexle CtT
andawhand rill nwk t $I(X).o(x) $15ow)
4&ofimic-kmdnreneW $ill!xx.) $I.',(xq
lam rXUluresight of One c)r S n,flxl 3135,rto()
I(!I)IN, ?lasaa
lassd oak Si'X).iXX) $i.5000111
1.),w)7cnrb¢rnk1t1
!rns(eikrhdtanNkmtr,(Ilks9 Si(X),(XXl ?I;`dX1.IXX)
f,mc d :nx hii!a and role kw 31(!(1010 q.q)0AX)
im,4el•:,rr•sight (akdile:d Siro,(X!) s119YI(xX)
I;rs ref elifiw aghl (d aw ct.
Gts(lf0;whand or aMf(x:t $29UP0 $750,IV)
Inn detilimsightdoneF,1: S25t1.(XB) $7 i,IxXl
1<•ns' :s Used oboe Willi reference to halal Or fool Means complete
and perotarxmt Twrarn:e through Or aknr the wrist or ankle )hint,
2nd ;is uwd with n*rence to (nv nxans dx ine wrerahte loss d ells
entire sign d snx4h rr.
5100.006- S250000 - $W ON - St 500,000
Maximum indemnity per Covered Person
In :w cstut will mulfil k Mlerirm Fspn,`ec!,Ink obliga0. Ilk' t:mgonen° to
p:n for Mom than one doss sustained k aw Mx btdh klwd col ned I'ers(xh
its a RAIII d MI rum Accident. 11T Cnioglsn's Obligation undor the Polks•
Will betAhnnisal acaxdinq Ink- highest anxxmt payable under rile gxd Ic Americin k gwea Cart[ auualk us(d in charge the (IMM G'tnier
r nevalxr fare I)r die C lVr d'rdk) as sfahd in rite Benefit Arno ws.
In no emil will a lass frmn an iniunv while ancrage is in force under
the Policy A\U9dg obligate the fargra:n' in pa)' bMX it$ under PrAkV
A. 0949• h Cixrgoaln's iktsitte's Travel Accident Insurance Polity in
a(klinidn to anl-kile its payabk: by the Cmmp;my under the Policy
.WP48. the American Pyres Cards listed nolkr this Polly do not
r'CCIYC Comm udder Polk-Y ;X0949.
Accidental Death and Dismemberment Benefit
T (:rnhgri ny will pa:• dx applicable bexiii annount as (kun)intd fnxn
tux 7dlk of [mrs N a rthmd Peso suBces a Ices front an hljnm wink
cui r pe K in boos under the PoluF, but ody R such Ire morn teithin Ian
Ja •fler9w fueOfUle.Axkkvhtw:hidtralmlldie, hljun_Buxfitsis ill he
pad kr EI{ girriul Iota lit rile e(rnn will rile r:rmgem, p n fur revs Char.
One 1Im w0A.Xd Ih tale I kwered 1 emit ;li IIx RV th d Win n; k' ALYI:k91t.
Description of Benefits
(kwn"rat farrier Benefit 1':16ltrxfit is palrehk d the Gostnrl I'L.M. 1
tilU i >< htpm:a a rsldt rf :m A.(tdlknl whk'h annrs wink mlirgsckit• a
:!! (vtngrin (xlxrlrlinrrrxajM,Jtting(mm(rirangstnlcl;!n aC(tnuhw!r
CIrk7(Ari'L2mv used ling uA-la ,flip.
Exposure and Disappearance
Ii idleGwertd Pmw is l!na+<ddat h exdx nl to the ekmelos hmanse d an
4r1x101l on a Gnwitil Hp mhIch rnda in tole diSilwance, sinking o
Wracking tithe (o nninn Garin Gxmii•arxv and J a a reSnB dstrh
OPORIM. rile Ctnrred l'(esim s(t0es a leas forwhirh beriefiis are dherwite
irayahke under the iblkcy. sue( Iaaswk0 Its trorred reeks dx Policy.
if the Cuxad Pasco d6.'"leals tX)MM of art Amkkr!t ml a Cowwd Trip
which (aids in fix d's: ipCarailm shhling nr w ecking tithe t:amnxm
rnrrieer (:(roc+ana, a(xf ij file (bwmA Pissio l s hody has not here kxxd
Within ;2 wtellis aher dx dak• of stxln AcciJ, Int. it will be pristurell, stbjatt
kh dxre being m Mika 10 dr contrary. that the t:cdetd Person sod %d
!fm d Ilk :6 a resub OF injun• etxmd Ix• the, Polict..
Coverage Requirements
:A (O" mi Petition W4B lie fidli• hxntrd for 1049S mirk', the Polio- w'hkk
iaki(w,, a trip to a ComFo let farrier Upronance only witi rile tam has liwlt
cuilladtodoykrrfx:tltxricatlFlipmland IAlpkilyhraliteni;:will
Mwitl kl efks•t as king as tar delineiot d a Canal Person is nxi.
Premiums
112 pvenlimn Air this ctwzrage is payra de iy Atrxtrali Flip ims
Exclusions
This ItoRtydne. not ealrr any las sang trcottnhuied to by (1)
ink9rti lre0} aid hdrtcacd hthnR gtcidc or amy a(plt>Ix tlxnl?l, wink sa(G
(2) Waro am, ad rif war wfhethcr declared or a dedarok howcmr, any ad
mnnmitmd by an agent of any gatnunarI, pull; or fiction engaged in w2K
hnaililt or oddr warift nriealkxa pnm' kd Sxh agatt'a acWtg soat••Ih
and not in CORneeion with arty Operation d armed kvica; (wtleilitr mkBtary
naiad o air kwm) in the, crxuitn 14m die Innv occurs shall nm be
(ktnxd an x•(dwar, (i) Ili iury!o which a mntrilxttnn cause it-is the
rrmirlb ldoralleMilNcommitanHIWIasbyaontx4ulfddie
Gnued Rerun or JiMier beneficiaries: (4) Injure Ittsi(xd wfiik serving as
anOlerakr(rocwMember 4artyennonow.(k)Injuryro wdwink
dmiilg, rifing a a passenp•r In. hxnrNng a' alighling Frtxn a rental irhicde
nr f at sidrntss, phe$ic!1(r nx9)tat ?tmity; prgnauxy, a a(nnxtik;d ex
st(rgk d tFAment kxaxh orlxhlkins. U1116 Irsnn ent of lite condition is
rvpuind a dw drrti nsrh of a ttwcrd Iniun•
Beneficiary
A B:W rlydtru9nber may de ignalea Imeiiciary or dtang- a previousW
designated k9x{ician for hdn"'herst f and hso h r yxnMAJoirnesdc
P'antxr anf dipt'rdent ebiidnn who are Ilex also Bair: or Adi itkxtal
Cadnxndxds An Additional CiAlmeri)ber mfi• designate a krhdtdars fix
hinw•Iflliasef ad hsRxrsptusr/i)emxsik 1'artler and depc9denl
ehikheri who aie not als) Basic or Additional Carnes! has or
sixxhes,ftolestic Narrticls or (lependail 61dr n d Basic Cardmeinticls. No
pa$aIS other than done shnied adxxs may, dcsignale or cltamge a pror ollsil
J signatod beneficiary For such dmigr atiat or change to boom* dkrthe;
a written KVksi on a 110M) satisfalon• to the (:ompany, must be titled with
Alrxrk-rn Express. Such designation or change 9126 hake effect as Of the
date k! wz agnxd by rite dcsignatrprwidd that it Its been resin pfd In
Anxwii5nt h xpas. Warn ' ixrymentd proceeds made k, the Company
Prior in mreipt i1such (ksiglmlio n of (change shall fldk discharge doe
(hmlxmr In the eaten d side ILIment.
Claims
A}elk a dclaim IIAU be gum k).A:,IFX Assurance Company. ('loins
A(inh(suadve00ice. ro flow I%18, Great fiat, WI 14f 07-ynlg Within U
dais after the ummence or mnnxrcarletu of aiw inns cniEnd Iw the
f'd c., tic as Sono doWiter as Is reasonahk poi Able. Notice given Ey oat
behaY ddie (kti lam In the f1irrqum at is AtdminhUathe Office. fir k) any
aWkxiied agora of die Congranr, with information sufficient to idenxik• the
Cowmt Paster sln6 be tdmnral nntia In rile t mpany.
I v13 670650 8/29/03 7:52 AM Page 8
Payment of Claims
Ikn M for less of !.lie of a ti,r RrI IIemir ,?ift lie pi!id Ur Ii ! tksiitnxrd
hcaa'fieian° Itun4itc for all other Ins is sictainil L•! a C,ncrd I'er"i Bill Ile
paid to tire. Cosend fl(wilr, if IMll!. nilxlu'ise to Ilx'rksigivttY benefxtian'
IfnxxrthannnrIiclxfician'is,ksignate.darilthe lxireficiarks 11.4-tin
InleftILS;Ili 71ntrovd 'd,the&-siY,lwal Ix'rx'li(iades Shallsham virile if
vo lxlleklnn• 11115 kvi (k41l;IrM. or if the clLsignmed lmxfician- do i lxa
Sir l'nr the Cacre'd 1 emn, live helx8k will It paid to i1w first striving
cl;L\S of the lidlomirn: t! y n:nt;x Ikmxsik I';u,n r. Sl chilJren. (,nail:'
I xr.Arxs::old 3111u (.uite
n determmil!g slu'h lxwon or Ix•IHals. Ore Cmipatr; nr;n' n•it ill)rn an
;!If!dm'it h: s monlierda!1': r?the r1:4 11 pnf R4K1' Xrxf lady
!k 4NA tdx»e 1,11% e:nt ixlx,L'llioll •, sr h atpwLa'it shall Gllh daiar?
he Cnn rnrp Willi ;ilf n INIPIk.rlts inlcr the hilic% unicU• iCirrrr auh
w. nlvn' i5 ncak•. tlx• Cnmp;!ar flan r•'tx:iusl at its.5dmiciiln,izc 01Tas
:aitlclt nnlior ::l a odor claim hcs;n!x•:Nher p!'nlufs!.,Ur: :mrrgprl p,n;d,k
to'] minix'rnm lx' paid 1n ;11c nimor Ic+?al n; rdiar,.
Time Limit an Actions
No wtino at hw ur in (%jrit} s11a11 lx i,noight t!r me rr ilrakrtl c Mice
;:flu the espiraiuns of Ihriv p:o-, fiu'revr for CenRl :n; f.:ud. Anx'rkao
Lcpmr's Breiin(ss Cc!?tt:ric;n f,;;nf` Fm!n OpIiK' rile tim•^,O 1{ILSIr7C?
t;er,,urk°'' after tim+ tinx uri"ut plrx><of Ir?c a mp!iR'I Ln h• hunisl+cd.
The Ix:ncfi;ti rh•Gmliecl hemin om std,jc : f r all 4,he ;emre ; nd cxndi-
iions of he Fvill) Phis Ib_scrintion of (•s:rrrage n-phis an prior
I:rsrrlptinll,rf rar:er:lc which tear h:ne Ixrn furnish it to wnr„di'xr
uiO7'hc
s •
P
PRSirlenl Srnl:in
11'13-11-01-u!M
Notice to Florida Residents Only'lixu Imidils of IN, Folry
nmcirlin V911* ancragi a¢ g+nrnxd 1 rimarill h !hr I:ASSOf a sul e n nr
thou?r 1'lorida.
l.:lf?li?' fYY(rb'!?? /L4,P i N?'(7'l?:lr!i!? ty ia+tYl;r?k•. l;)rr rnT'.JHI t7h'rtlr'
u•hri ;m.'r</i! (rr•r{,?plr1.1Y?SF [1?1Jr(NS Ier !rgtl', UrrH7u1?r F,'y'nL?v Cinrl,
ja'rrr,:x• anrludl(rc G'u.Jarrr S(9•r•RYI("rub, h?(/-/u•nrrnrl r/u7:z(rnr
A,Ixrcbrq''r un Ciro(, «h?.+lx,?ronlpwr(i idslalrron[n?t.
e 20rA American Fapru;
-a?
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
~ar~>~tr ai ~ ~t~brr f~~~
C.
r;~ r r=.
C9FFI~~; F SWE $'+~aIFF
FiLE~~~=FI~.E
IMF ~c Ft~~~T~~~~d~TRRY
Jody S Smith
Chief Deputy
Edward L Schorpp
Solicitor
2010 ~~~ -S P~~ 2~ 3b
cur,~~ A~F „!~~
r'€Yf~1^t It fir. !tlf
pw. ~ vl V J t z„~~r~,.. ,~;c1
American Express Bank, FSB
vs.
Lavern Frey
Case Number
2010-1393
SHERIFF'S RETURN OF SERVICE
03/01/2010 06:10 PM -Stephen Bender, Deputy Sheriff, who being duly sworn according to law, states that on March
1, 2010 at 1800 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Lavern Frey, by making known unto himself personally, at 74 W. King Street #4,
Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing to him
personally the said true and correct copy of the same.
SHERIFF COST: $46.00
March 02, 2010
%~4.-.~s'L~
STEPHEN BENDER, DEPUTY
SO ANSWERS,
RON R ANDERSON, SHERIFF
fGj GountySuil~ Shenff. Teleosrft. Inr,.