HomeMy WebLinkAbout10-1396
IN THE COURT OF COMMON PLEAS OF n
CUMBERLAND COUNTY, PENNSYLVANIA ?_?.
AMERICAN EXPRESS BANK, FSB
World Financial Center CIVIL ACTION
200 Vassey St. CJ'
New York, NY 10285
Plaintiff
vs. NO: lp - I R o 0tvi t !c°r M
EVA COPELAND
162 W LOWTHER ST
CARLISLE PA 17013
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
$ga.00 Po ATTY
xy, 4 809
e"* a38o w
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
AMERICAN EXPRESS BANK, FSB
World Financial Center CIVIL ACTION
200 Vassey St.
New York, NY 10285
vs.
EVA COPELAND
162 W LOWTHER ST
CARLISLE PA 17013
13
Plaintiff
NO:
Defendant
COMPLAINT
Plaintiff, AMERICAN EXPRESS BANK, FSB , by and through its attorneys, Edwin A.
Abrahamsen & Associates, P.C., complains of the Defendant as follows:
1. Plaintiff, AMERICAN EXPRESS BANK, FSB, (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 EVA COPELAND (hereinafter "Defendant") is an adult individual
residing at 162 W LOWTHER ST CARLISLE PA 17013.
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 372713832061004.
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,
372713832061004, 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 December 17, 2009.
10. The total amount due and owing the Plaintiff, is $12,408.58.
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 $12,408.58 plus costs of suit and any other relief as the Court deems just and
appropriate.
Michael F. Ratc
Heather K. Woc
Attorney I.D. N,
rise &,Yssoc.
)r , Esquire
ff
, , Esquire
86285/207805
r Ave.
120 North Key/(
Scranton, PA 8504
mratchford@eaa-law. com
hwoodruff@eaa-law.com
VERIFICATION
I, Michael F. Ratchford, attorney for Plaintiff,AMERICAN EXPRESS BANK, FSB, 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.
v13 676650 7/19/03 5:02 PM Page 1
Welcome to American Express Cardmembership
Ih'r: (kx-!nx•m amen the :'i'axlmt,;ar. iligsup}dcnxadsi scilsii;ux• piu
A ;rcla tilu. I'k,f¢• earl and kttlh this Agma ent..Ahhl h• S kmti. 11111
r.,o krrl), sign ur use file ('ani mueti to you (incililing m, ntkwal or
niol acellivnt r.:ark). nr +au [tx tie aernunf a axiat+d ;,ill t1is.Ag trnkni
(tour':A.xntinl'), ynu agm, to flu tens of this AgrunxnI.'N'xVildh
tnu:" Volor- and "+0ttns' mean tit! pctscm wdxl applkd far the Am,ulll
aixl the jNLmi to w'xio ar adckss billing statenlei 2 b kveii its any pa no
+dlo agree to be Bahl on the Account. llle "11:tsic CanNlxrnixi" is Or
pman wdlo olkeod the Aaount. M m! x r zpte?+, esc inay also icon a gird
or:yourilc(niiiifinanothertK•!xx (an"A.cklitialal(anbnkadxr').ltx
loan "Gud" mfrs to file Anxvialn Flares,` Carl ts¢N%1 to 1a1. OR oltxr
Gard, i5stkxl on kill orArent at. ant insotlrrdevice (sepal as.Aoyina
nundxers) w4111 di!ich ytx: min I=% "Mir Account. We.-our- :K9 * 6'
rf(r it, Ank*;in iixpr iS Centurion Bank. file (ster(A n)u ANxxl.
Using the Card
",)It nr^r use the unil nl ollfaill good an,l s(i5ias final sun ;kivri wli)
Hallam dK1.3ri. 1'I:als:riktllS lnu lnala! in ANY,I a It pnxlmooill n(fi1
Ilan It will Ix- st llfxI to the kris of fie prxno!i)!. alit ill4 Amatil.. All
ulvuli hag'I nlolli ,o)ant i dolliogdrorr,ft¢punha¢<.arr.nal
le t: ). if ! rat l y :.n lot nt gtura I :xd by ;tie Of Ilk, I lnl filler im, irkt
::ur "i1h irss" Sou ugn,: nra In Ili ail l. i.¢ a
I m via Ilia,
i ,Ira I c,apt .! Lanlnx ndxr dud: n:mle r on n inn .ran. s) •xa!iv to I(Ihr
(:ani i; klst:.x st,lcn, or Yo!! alyxdt fir, I i! is being tixYt withnu yrtar
i}:mlissinn. Sou agar ire usY: Ihr .aamun? racy for purilaSts timid are I:m{sd
u?t:,mtx?nntxdun+krihislgnxtnrm Lsctpiasltlxi~+srltrlaindL
aiy)lil:d)k law, nr will n(g Ix• reslxurihk it arr' m0mhauhl niasv:Inlxxlty
the Card or for anv al era poi km X011 fain, have with a nxavIml,
The Caol has m post slxa Kling IimiL I'adt {ylarp is nalhaled in likia of
,tin gx•ndinga!xlpay nxvll jnncns on ynur.Mxitnt and role a(mu1Ls
ou mar baste with an and our alBliat(s yahr mil f Len, port i chili
gxtieni with other crtdilon. and hour m4son3l rSams kiknn b us 1Fi
nv:nxr the tight to iln+ an mill for aulhorization for n CI!are. IS'e m;lr
AS) nalu(st additional hforllYltkxl fmin'.m it any little.
nt'c ma) isnr von rciav:al or nl,lao•n :ut t'ahnl 6egixr a .real put imxd
if son; i or :m Addnhalaf t);tnlnkudxr antlu epees ?hint lusty W lill (ba ges
n it nrumng haler hr ;nun Aaxxnl! ('Gil! fah g(:harge(g) nr nun !hut
+Tnnthimnl,yxraai!
It ON wif imd fn) prnvde SIicl turd fret, Milli
s:au lc. C:ml munlxr ansk'or expir:ninn,lak• Io px•rhit float thinl pale In
owiilex:billing ;unr.Alneult W'clnal?alts:uhsktsrcn fyunraariln(
roan?leer ihan t? or if w! issue a rely vt;t1 l.v n il:axaxiil t'ard In :ran n an
:kklni•xhal C;udl!le!nix•r li, witrdrim :Indinrirtiiwlbur aRe?uning tLarat,:.
son: i usa nal(fy the':hin! pally
Promise to Pay
5oI poon!ci•to lot, all Charges, illclUding Charges fixnmd In Aikotinial
Cardolentx-s. oohmrrAcouiult. hispmmLseiraitlib;miChacefon'hich
you or ml,kkh tilml 0rulmentxr f nd(cukd an intent t•, (ilea lire Change,
caul if you or the Additional Cmdrovinber have viol sig uil a chage firm or
im-se'lcvl de Carl Ynui also promise to Arty at' Chace incurred lr me(Me
that souor :III AdditionalCanbnenllxrlet use ilx!Old LnafIf Oynu
hare: aged not to let anwhe el:u ns life Cant
Status of and Responsibility for Additional Cardmembers
Additional Cxrlmenders ito not hate (xx011iuts with its. instead, fire are
!UL'lloriztd Lien Oil ytiur.Atxouia, find file Cans issued to them ruvy IN,
cancolof by loo or its at any lime. YOU must notify its to make an
am
Additio:!al `mIoiefnler'spermbsialto usevisaAcomnl.You
msp)nsfhl! 11utkr this Arrlie rent for all use o(y0t!r ALrount by the
Additional (ardowanlx:ix, and ha Imo o le dse y.Hl or:m:4lditialal
l w,filter Ids far [lie Call, and the (h a x5 Incur !ill he billed
10 rm. Inn liave his n•slxn t..ihility glen if m it din no unail ix a l
Additional cadincialm. nr niter 1x rsuo. in ax l he (aril fni am
u-,ursaclions.
All AMid(lo l (ndnu taller is not liable fill Cllr .- hhCtmYl by ill Basle
tanlnu•ndi. nr h, oilier Aild!lim!•d C:uTlnenilxe.11,n+etrr. by rich ux
of [lie Aillition:d Card ?n incur Charges, file :liklitioml (anNninlxc
indiruus his or her agrenhar io par a fin !Ile Char;,r if +ixh fail N) or
refuse to par it and vie Inay, at our discretion. pursue .AlMit(nal
Cordmembels for payment of Charges ta' pant or authnna So t
ituthortzx Us to pmrklu Accoaull i!!fonfintilit Io.Atklfllnn:ll f•ir nxinlers
and to discims tlt(' A count with than.
1'ou ;iga : to autily ends .Adifliohal Cardltendxr at, the tine he orslx
i im nes an Additional Candmcinher.. that we mat maim, next rad'ange
and use itlfrniaalinhu ah)ui him rr IKr in f iminr runner are d) wftl
ininatation alixd ltxt. as des::dlel b e4my in the CAtr:SUMER RI'PURiti.
'fla.f;Pnohl: z){fir.iluRlhc;n)hcoxulnr;. adsisPh;nsu>ra
CAti(1I)APOI (ai,rls(llith Agvenitil!
Flexible Payment Features
Wfi mov alhise you ikil yr ha Itd(kd or non add vie or Itkn•Siar :d
1)Ia1u L, ro:u:'y'ell tlha fx'Inlil %oil In exiod p:noatlt stn t;lrkxs(')ru'pss
dtsitacibYl M- In, to this Agnx'!ncit. each,A' ah(a•slxrial thus isodkvl a
'him, knour s hlfitXk, hilt am not, hiowd Acs, Sager S Trnval.
f xI0!*1I Ni ncnI gluon. t kcCrkrt:' mid nrlain iv.::!u;iaull: (krra
mat make.
'Ills siahl ° 'I'r:ls(d 1k0alium Ixmlits tan, if eligible. In vl fid pamxstt for
:rfdinc tki(as. ,anhise,fill lickct,+. preinki four it•4(i xC ad;tin ('mules
Iilikk ai liskkt of file untktl tifass. and vny other final its (lisigmecd by Is.
ti?aer;xhi>t• II!r
'fu:.rl6,!rx+ihR te•:rulm. if }'uu am digihle. p11111'
trn,d an ta. aidin:, or other m d indu,11Y nlerellant that,fill trial to lk,scc
:.I ai giving; lixtr:4rrunn nuinlxr fnpa:lranlt at the tin (A ;xlrch<a.0r
follimolierOm(•tdunspi-cerihxlby a
•Ibe 1\laalif pirrlnent (>Illirxt permits nxu. if elfidble In txioid peal°tixil? h,r
all eligible fh:ir';es Ix° a(hising or nM ante that; 011 wtsh to Il) to. if dins
t?('Jhnm n ;ikkd R, yiur:kmanl, ail c4 yi)nrviigiblr fhlants hill le uillttl
under the Fxfaxkd I§nnte t (lai:m ftaim 4 your kcouml liliWbk
dlanxs marls those itxlividual Chages that areal or abxne INAallar
:u!xxmt,fisck setl w sou wilem inu main hi. this fi ,flute, or any ofl ier
amnnnt (Ifsi;ilaksf by its The following are munples of Charps that art
Out el ;finle I;harkxs Fsl reps t: at A lyric ul I:ylrt t 'gavel. 0 1ks
Anxrican lisprese' (jilt L1xipK[ Pri+ilelsxl Astir`' insuruice, oral Nl le
aixl :vhcr winstxsiom rkternined M• its.
'ille rlewAd(ti ?.ialumpitnlts ca, if digibk-and tgvnn mp oNi' In rxmld
piruel:l o(tlx• pg-111-hra b:danaa, o d lkntion ttivirof that :ygks:n (m
tour hflh It i nnxt!t'Il! minimiun nkui t f rv+hk w to may (akiid
p;ranti,l of tat pilukil of ,Tdn pis in f ll hal, mx llaynxnl his k?fin
llx• Rank mai change lS i signanni,ln hat Char " nY iiitihle far dx•
sm, &'rrn,l Aeco uu ,uxlirtr the rxhaxkd Pdntx+u tlxfxi It nrrr?intr
Ain Changs thin am nil a igf)k for lxxixkd pamr,n!, or:m) (dhcrvis
d1;;ihkrtl .r3 fill ehk:h)txlinvrtkMalnot )cxxadpnnr,it.villhp
hdha ldfaltnl. vakh,in udly; !um
(lac in hull Ulm liar r'llll)t of Or
f linmes iml fol h, a Canbaxalikr who Acs not eligible to list ale of the
entire, volt also bra due in hill (yon our receipt alto billingsfaahenl
Billing Statements/Amount Due
kxurustnulihtoimhradktkirrJatr;Jlxng inUx:nxtilingfixe-rosin
addrss to admfdh w, send bdflhhgstaletnaits ir naius that It billing
siatelrxatt has been p!ndd ( IlillingAcllrss''). If volt wish a LillingAikhtss
change ge to :yhnly to inter than ar aer ant you Invifttin with ts.:Ou oast
fill its. You age, thin we inn also update roar Billing Adtlim Owe rreive
ollo mitklndialweirIiilling:lkiremhis(Vennhtorainured.W'eajltdr
those ferns (d this Agrtnx tit !hill vary M stir nrarrtling ut tixv BBfrg
; 1dwss. Aiki:t vile artve in fintalinn ?hen yon haw, cIrlnktd %clur flitting
Alibi%,Ouse ternsal this Agntinxtuthat yartlixndirigoh !xstaetd
true ISiiling Aldn_? via slyly Ka tlr mllrt: hllnna led v) v dd(g! a».
iuchxlhlg exbung Ilal:uxls
F:ah hdlinguakaxia will riled a A:rw I.adafur and. of your b:aa!u0
illlllkks t;harpss ifuitmil fix? any fiauur, r llinimiun Mhtuurl Ihx•.'llx•
Anxi(afiue.' is life bR:d of if] all Char" o! nn;r Aaalrt ollxr thl:ii
Ihar;nariahol with li;durs nhs fill the llinimam Anxxua Idle
(dcsrnlxti irkw•) far an Chaipi3 asocialed with realuns, plus !till ar
p ilkul (lain pr' ionsle billel hamlet Ihae That remains unpldil. All.
Amnunt ihr B dux: and pay-d)k Once %III arch, the hitting siakillen . Sol
n yp:•armomdundrAnxxudfax,:q)inthetotal bit--!m,atI,xr
AQffihit of illy fillia
'Hie 11!illitnourl Anxkml Br for nary Cha!>;cs ;L13fieiak(i with Fe.nUrS will be
roundel to the trareq wdxlle dollar if greater than $10. and is fib: greater d:
• iii(ah of teaxiabirkd hllaixr of all liinulns on lire tl sing f N (dllle
billingstafter t
• ph: ahmvlt tdBtd Finaixe (]l:fn)s, a
• $) (o Inc eonlb hxtl balahxr al all Feantn if it IS Ica, than S at).
The Shnimum Amara IAe will not exmtd the Kett Hitlarm
Payments
All p:nn nits rineO bT• lent m Or meTtlent atklrss slimm on vole billing
statel a^lt aid mist induk the ic-tlilhi cp coupon front Yourhil(fiig
stateilant ga+lrxill pthx Ulan 1Wx raga d the haling, seirmeit inn
area pa: ns fn ]..I, aimi a:+ei!h a shl?Ac draft or dlrcl dclwn no ; I'S.
bank :nix! lkn able in (.S. tUbm. or w ith if „ igidiahk itistlaaHnt Irnablr in
I'S kllaR atxl cluarddc fhnxughh lie 1, S. Mnkfng syslan. Or thnngh an
d0cuollt p;unxih! nxtlxxl claraWO (hnnugh to 1:;;. banking yslra 1'uilr
Accoililt Ilunhhi must Ile ia9o(kd stn or with all in ni i It IT deciik• to
acaelx a paynleift nrxk in a ireign cull m:uX. }nn 21alxx•i:x• us to din lee a
alnversf(kt rite than is acceptable la its to comet yon reinifiana• into G.S.
alrreru), Unless a particular r14 is requital by late
f, mints condemning it) the above re liienxtlti that wr moist fill later
Own Lhe hour spallied (in your billing statement will be =11id to your
:1ocouIII as of fix (Lay nxvivxd. ",im".ILs a) I)lion fng to the ilxwt+
,tryimnrns fit:a ly r mdse aptr the hour Rxtilyd on pour bill?..,
ua!enxtt will fir rnYukd h vvxr At?ant ac rd fix f011(wvrgda?i.
If pallnenl dos 1101 LonfaID In line requiminttlls SLnrd atx)ve, Crditing
may be d l:lyaf If tlis bapyrtts. ilfklftk,nal Cha t,¢s map to fmilcse.l. We
n!ay :Ialpt lam(: prrnx•nk partial Payments nr am' panmenfs malknl o
Ikfrtg pa%local fn full nris being sc?tle!neni of anv di pre uilhoul
b siog:tov v of our dells Snlr Ibis ALrevat: it or unkr life. law. Our
am-piallce it any Stich r"Igri :G drys lout mcul wl agnx to chinfli this
Agrrnent in ally wav. Viol agnx than our accenlance of s)eh o-nit'nts
will nn olxralr as all stream and,ldisf ctiun vitliont ni print rwptty
written apprmal.
S';h rU k; tr/y li rtldr+ lrrrc ;rr relit r/;' !i nnd,rlla'aleI r'rrntarls rind
err?stns un!rurg /'mtrtno r1)x!(,r"iirr;2ai»! 1rtrr.hY.rn;rat ran. ,r;r7vr.1A•;
and mmrner (klrrlininerl hr ra in steer ode (F.'uaylion. In mmi cIses. we
+cill app1X atxl alkrlte IlamKttts b lealum balarxcs ktu. still fanarxag
nature ll:damecs) ffN to rcaturt balances at llver Maeat Perrestagc
Rates ("APRs') and than to loWiff APR reature Warfas in must cases.
Ilk- will atgdy ptrdlaie credits lieu to Or bahula hom which the
wmstxaxting tkbit originated. Ikxitutr, for servicing, administrative,
s?titcrn o other Ines om lic-m a, wr nray apply and aliurat paymtam and
etethis among Itawalm and to (tlarg , on your kvwm in serer (dw order
or Intoner that we ma ftininebyarsole&=Noi.Muagimdntwie
have the mlohdiarxid right in ere!cbe this discretion In away that Is moral
favorable or tnrn+rniem to is
Authorization for Electronic Debit to Your Checking
Account
we remit; the right to itillcluxk electr(11!icdit by assmiuing the
ankkmt Of the cluck, tie xKtelg n mtbec armuit ni in aid cheA serial
ununbr i) your furkulcial etslinitkxt. Ily suixnfaing a ch d( forpnraaa,
yhl art xFre is to iua'rrt an elxtnstir kMt from }extra hank or abet
icraua. if +ae fleas your rhxk tekt1r ninpt vor pancrm mar he
(ki)ixrl to your hail. a ici3ti acmtmt lira siuh>te elmy w, fiu:hr yaa `deck
Al(., fl nr paces yalr cfhec(elxlrthhic!IIX. )Tan wi8 hml trehr that
r;oxrdkd thud. wan wxur bnuk ft asxi ami rd sktk n e t If we milin i.
miltx l file fl!n s cdedrnk-AII,, we mal h5 r a draft again tiilrbill, or
assail ,k 'sull for fix maxxnhl to file cixdk
Finance Charges on Features
rl t ianlile chart5(s legin to 3rente k>rrieh t1w err, as of the Mt t is added
In Ile daily trd fore for a FtaioO. as flscribed k4m I lmrvM for
Charges tnttur that Finare (lhanss) drat are adiM at a balxnrx
autahntialk no Finance (jilt will 3mue in srrrbi9mg period in
which the toial Account bakaxi on the Clsing ()ale (or the pxvina
billing period is nto air a credit balvarL
IL Each ream is Subject in the were Balk Periodic Rat (1WR-), Unless
wr roafy you rtherwile Fs¢pt as provided lxdow. the DPR farew a
Feature is bawd an an APR which may vary The AR's the Prime Rate
4wribed below) pha 9.911+ A IR'R k Ill 36:6 of the APR.1'on DI%
ad APRs appear on Or acmrtalyingsupikox-rt(s). What an AR
changes, wt appi it to an Lift balance sibpa fi that mop-
C. The ° Prier Rant' is delt"inted onm with rasped In each bingpabd,
ant applkK in the enter billing pedaL'Ille Prune Rot firbiaig inlets
aidhx on stay calm A= math is the highest Prime Rot ptdrWW in the
Haler Rait%rxttfm (orsIticassixr xrtion) 47Th Ri?.gnulJaunuit a1
the 1st or 20th drv lot in each olse, if such tan's Out a baa2xs dayy., die
neat bus hits dal nt the prior calendar nwnlh if 7)r KW Vnta
Partial amsrs TaNiedia: nr does not publish Or I•virm far on eider
of dam: data wr dray Kdcr to ter Prime Rite published in amy*v aditr
iwieitafKr of genie l circulation fit hew RA, Acs,' oak. or none
subsiftut a simftar mt*m= rat at our sale discretion.
1). The DPR (arid mno7ma bag iPR) on all features may, increase to to
ik4anb Rate R doing the Review lieriol (i) your Aatxaa is drlirgmt
on die (tutting late ofany three bitting period,, (,i) yaakeaat is
Miraplent on de aiaslnq Dale of am W. oxaemBve bakm jai* or
(iii) al twit) or more nxrask" a payirem Submiaadon W Axafmt is
not ixnovd on fiat linsrdmet lour Account *4 becilml Ned
(kdinpxlet if pavmatt of de Amouta Du fn m a billing period is rat
nYxlitell to your Account by the (71 sing III of the nexi billingpoiol
floe "Rrvkty IAriuf' s de nestled, mht?nting tgilnrm(imiekrKe }eaG of
nydy aiazxaaive LRbTgpriodc amdiehg with ik CJetrittglale of tle
nirfml hilling"xL. wh&v urrunt mar m anted a ski mom breach
satin billing pefioat. fit the Ddanh Rate is applied, a will app`; a) your
Amour( for twice cur4%tithe billing peatds, begimingxah thecumnif
billing periell lux Delatdt Rate will Vol apply to 2M b>:ianm h7 FCaUTex
111110.53 it is hfgixr Ihim fir me that wrrdd e(lKYw* apph to 019
hahahcr The lVauh Rat is it IIPR 4.116`iN which cortsprmds to an
APR rho 13.99'6.
Average Daily Balance Method for Calculation of
Finance Charges
We use tx• Axrage Dally Balance mom hot iocalculate rxaarxe (]ranges on
your li oxint thxkr this mshod we calculate the Anson Charges on your
Account by apuhdng Or Iff to the krrage Daily But= f xdar"
below) sllaraiely Inc each Feature subject to a d6oft DPR (i clu Niel
current transactions) 199=1 DPRsmay- beappi ell0sepa * Feamte
balances lb pA thehoW Daily Balance for each Feaam vm (1) tatae to
h;inning ialmoe breafn day (indu ing unpaid linaeel: Charge from
previous billing perinek), (3) add any new dataariirxtt it&&,orfias. (3)
si(btract slot pastnnas orcrtthis credited x dthat day, and (4) make any
apptolmateatkusarxnlt )fir (nd) rLrr njkrlde/rnt riry g'bra biting
(.yrinr! uz• rrLtr, (odd eon rnnrvnrt r?rnkreJ egrud In iae/,rsrebnsrlm?s
,kdly brikincr mrrllOwd bra, Ibe iNW for ldr [Wilum. This giro us fir
claly balaaw file the Raurc for that dale and the hcgi li ftla onfe fur that
kninre for the next &w.. If this balaha• (s negative, it is ain ihad W be tem.
Ilrnt ¢, all hip all Lhe Mile haoatocs fix de Ftomr, for dxbilxlg porforl
atxl eavhk: die total by Or nunk-r n(dars in the billing paifid Th6loves its
tFu .Aicrats: ihih Radafmbr!Iu1t Fcricur
!'nr all re2tum3. fir Aernge Dath• Balance for a hitting print( will be
consicler d to be liaril if nor pail by Or "It Dante of tae cement
billing perkd, die Vital "tint Wiliam. a any, shown on your previous
v13 6'f0650 7/19/03 5:02 PM Page 2
hiL'a!gstaunxin Ifu:umuhil}b.the4rcr„kn•;>eihlt:llana'fort:xh
,;:R: re hV IN, nonti !r of da)s in fur Ili Ili ng fxaial ntd the NIR for lmI
t.: aura the r srlit will Ix' the Finance Charier asass(d ml ilia rc,nlue.
except fir variuMm cIlLmA hr roundigg 'tile toted Firillwe Chargt• for
the hitting Ixritd is caladal(il hT adding the h'inatta Ch:ugcs assCS;t,I
nn all Fc;nnttsnf!Ix•.4[rnttnl'/trtcntt'/Mxlo!ui!carlnlinglx4`arT•rrr4e
lkrrl p Nr!!nn(z• ono! l•'imnta' L'Lirrr>,+c• rt,•ull., in dn)fr ccrynondiue
nj h)r umm (Atrgey.. Q may !:se mathematicd fixinlas Which
pr(Nluce erpli;al(nt resldtc hn:alad:ae the.A:rmge (knilV &dan(r,
Finanm Char s. and mlat(d amants. I or cxaipk. At ma nlilfm
computer programs or other computational mcthnis that am desigtwl to
produce mathematically equiTalent rmilts while using byer m(6'rr
simpler mmpulatinnal SICp5 than arc vksa•ihcd in thks.Aglrrmm?t.
At air dscletion, we may udtde amain calego is drkith trr! sactimis or
fas from tlx: cikndirku of to (ktk I.alanoes. f:nless sit,elodit) Ise P. her
dale tic o(kl it Charge k, tie daih hilanx as falkrts. I*x0iarp t(dixr
thmtlima:iceClmrgas)that are oddidto ahal:nceo!rimnsit;'•a %%r•:wldthe
(:Ir,In e u! !be a Imiriac (hfh h:dance ion file Frahr;soIledalethe
(:harks,?rkslln fire:AxinrLFor (har„athat ar.'!xaali lmaxllance
aulon ialimik (e x., ill r•$rtnty in a siWfc ir;ltai•r rolrol), uv add the
r:h:Irgc tr. tire' :yirli ri:ur dell`: balenir fnf IIx FE A!IaR' aS id 1)k' dale tn'
pn kv, dx' millet
Pi;ri(ilk: Fllal4a Clrrr!„4l, ilii':rtkktl k) lilt't}(IM:IIdI!lg1:aL!,dr al td'tid (i
the hilliog;t=i`x1 f x which 1-mo tae Charts err rlkula0
Annualfees
We will hill lo your A Mllllt art ItIlloal fa' of S i for the Rssio' ('ill. and
9110 for each Atdilintr l Cal m ;o nr Account Tl!c;uumal fm fort ( ch
C IrJ is mereas d by $5 it file Bill ing.khlresti of file I4i:k• Cardinein::r is
outside the 1 illicit States.
Late Fees
if paynKrt ri ant pariah of tx Allston I tile oil a idling Vat mail is rr
crdited I. mu Aaui t M' the 1'1th tau. after OIL (using line of the next
hill ing fermi C Next "rig Ileac"'). nr may assesr a fce of $29 (10*72 $ I ).
!n :wklltim. if parnxrt of the Arimm Irtk: is na (mated tit the kfirdwing
Next Closing U:tc. wr roar, asksc a furdlrr fie in that lam WIllitg perkA of
the ;;inter of Yin or: t) r of the Almnut true Olai war nntaaikd by that
NcM Closing Irate (Iowa $15). ff li mmnl of fire anal Anr!!mt fare isant
axtbkd In SIknmile Next (:kung 1 toss %,I: may zes; a kc opal to the
grater of $10 nr !! it fix Antolini Imp !Ili! mnaim llm anlifrl In each
w(x(micr Next clot im; Uatc (lows $ l i)
Other Fees
We mavcharge!Itoktkxvin kTSlo rarArrrxnltad) imilli:d,k,I:IV
!. i)t4rotionI?[1rtlrPlr/1'-\Yi:ilia'charw aleetf$ 1iwilai+trair.'
dr ck, similar inttnmxnl. or ek Elmic pa;nxnt littler Ihan we M.11kv as
panxnt al pair AtT,Kmt is not hAnintd upon fire I:nYmrnert
If a Carl 6 yitxrtkd in axndTtint;vi!8 sl)ingit cNid al an Atimieml
F:sprrl-'ravel Semi' (drxr. or ndxr author A locnikdl aid IIx dnxk is
no M.dx)nod, we narcharge i fm:f $39. Me will also add a diarlr io
wdlr.ACC(unt in tit anxunl i>Filx• dark ter, tt? nd luNdxmlJ
2. fry»ts' .y,t7rttrnnc+ds•-lY'e ma' duap+: a k>r (i $3 Fx tech tilling p(rial
fni' w'!ildt a ai» t)(E bifilllg slalmrkrll is rYlli(?xl. YPI! VrIR 1?(t charg
ti Is ((tic illy any rrejnx•R fa a (refit (f any'+f ten i)illings!:earrkals fnr lily.
Iin:e billing Ixri+ds rmnxtlrak?h Ixknr i) the rt•!prost
3..ktntill/ i?cgJYrli1Q /-It,-\\'cni:n' d)•tfw Il re4iriii k,( c1i if
,our 'ram s rir!trlkol kr art::' mev)n east loo ry!xs) nirsrl!rm;nt
;ud Rmi? n'uikstS!xnxmil
S uspension/Cancellation
!r.:nlditiiwl kI amp ndlk•r;d leas we root tale(! attar tl!is Aglunkiu. tw' nrn•
s IMknil or arnnrl enurmall, ;mT icemen. or arY ewotiom i)I of early
A(nnmt a)dVo ;vr m:Iq snlyk tut sir cfnai tie irlhat:;liil o{ an
A(k)fti:m:tl Carlnre!nlxr in ualu: Ciru't.'c? to :mx.Amdnd. ai our oily
diw:mfiltn at alit Mlle. `w.7t!1 ni wIIIHNII t°!IIA'. widi!le m' Iyl n!Uf Acfamllt is
ill defallb. (ud wilh oia gi0l,g wu nmxe, suhj(ct m ii!t!clhle Ian Aln sildn
:mtiml (in our p:d'sill fit$ cruel oar oltfganim W pal all Cimrif s flue (it
yntu' Arrnurt wake tEx xmis it the Agnrnxnl in; (4M a! lire liore of suit
arii+wt ( N as subs q xrhlk a l d r x k i i aroi for agrueto par its all aids
Chirp d5pite any axis acomi. We may ithse third penis wito accept the
Carl that dx Udis) ismaf to yon aallurA,lditirmal Cardo endim have
httin ra0.r{tell. If wr capta:l lie hard or it expires. ynir may nor bngm•usr it
and you must destrw it or mm it It,, its or, if we nllltV, to a )hid finny.
if you want tea cancel 11 it, Arm it or uur• A(klitional (.anr, ym nut mt)k
le and tlslmy the 1,105).
I1 :le a!mrmreirtizMe ourAmmiltafter :Icai:adfaaml,0mneVAfgAvntllt
wt's(id mu for. if we (Io"A star! Vint a new A.gr ermt lhLS A)pemml as it
may Ix: arnsid rl) will gown ;rue rt{usta nl .Attmint 1C ko! wt «iMb.1
;vrtr AMM11. rtt' mad rilslak: am• Additional cards fcalal III (T mctkNl
with ..It Aa7KUL and hill wml the aiglirthle amiual ke(s).
Default
YS'c nim mmxkn*mr Aarwu)t V) IV in (k{aull at and line' 6 toil hill In par
Ili lili) :UidxiFll akin it is(hd.', or it SDI! 11"Ich amp (NIIR punt, or
oblipti(n midtrths Agreoromt.
Stl tNxi ter apfilic3 ,k: law: stir, non also axhskkr:uur'4mint in Ix- ill (Hai-ill
al any fine Bahr slat(orVi nestle In yv1 to Its ill rot irtiil With OILS
A(m(ut or any rldi r (Tali! pmgran was false of mfs hi!-, t Vrxr breach
:air prmbe or cfdirpt(ni under arty ndier akimnnent that tau may have
wild its or With am• of our:d(fham if wi r ,KL ildmmatiml iot iratng that
you ate ba Shell fated hl file hcNlknixc ; x are mark m pee yTk r lobs
is OILY hxrathe due, or wr reaiw: inkin ati m leading us let 6fl due [)lit
yvn arc odwswwisr not cnxitwtrdr•. In evaluating your ReditwvxtlbtC "I
agm that we iwtff• mh• on infnnnatirm cmtaiiiM in tnimmie • m1lilm, and
It Ill n7WF5+,
fn fur (lis xofim wr lay r n:Adf,r the mnount of tkiw e)u am cam.im
omnitind fo wour regriu ,or;dn ofh(r IIf:our Cr,lll charm`trrslws
mgariks?4youitier6m ana'mIhi:.arot d Ytr,ntacalvla,mkkrlour
Anvunt in default in theemit of your (knatl.
ht theoml of yturrUa ill, and sn ies:I to am Ihnitatioln or tittuimim nis
of apltirahle law. we map require paltx'u! of it p atkw? of:Tdir nustanding
halana' ;haler drnuhx- Mal Miminum "umillit Nw. de&1m tie mlifr
anyxn?t of t'olir othligntims to u5 firm itbately chit! anti nride, amUw
si ns)xnd orc:nla{ lily Aro)unt.:(ny asmlinnrrt (lf luur.•Axm;nt :ndlor
rely Feature that mar It (f ml fn wnncoinn with fire Account. You a;rr
toI)a1'all reraonatkailiIS, itndtdilIg mason bile a! ides dies.. imumil Inc
Ili (1) Ill c(Nn!tCtlpi Willi du tallectinr of ally an)minl dare on Issnr
:1amull,wld:Axro not ally orhnrallon.liliguion,or similaryrieslings
are inflhrsll: and (3) in rrasouahhy profiling oursehm front lit IV hr, hams.
or risk rilming to mis tk{ault rn .ixir.Aaount
Transactions Made in Foreign Currencies
If lute incur a (;rur? hl a k,reign r ;tuna, ii lyili hr• connrttd into t .5.
dnllan nn the dale it s prnass(rl by u: nr nor a;ents. ! nlesx a particular rate
c rcyrird in• applicahk lily.lovl authorin'tts It, cluxiseiclineiskirl little
that is aaxrtable to its 14 that dare. I'a:rmnth; the curttrsion rate w•c use for
in Graff' in if kicf;!r currerta Is no grral r than (a)'Ile hith(st otf'k;ial
nmtr:+itxi rife puhlislitJ M a g wnim of ag(rcy, nr III the hiol st
Ill erhank oNiverm! rare xk:!rtifal by, from croskmmn hank!ngail!IDN.
at lilt' 1N!M!Si n rink' it tit prier h-,si i^s dca. in exh insWrx,' Incrumxl
hT !l ol '!1!is rnmcsaim raft mar tlitkr front r;!lcs i;) dl:t1 "m Ile d^Ir:d rm;r
Cl:alge.Gtargiscul:rrialhlTSrdrlilunm?t.tslrh Saidilks)rillha'hilkl
a ! the r?to an(h esrthishnens hilly
Benefits and Services
C:O)jtrt to ap)Ifcde law we 11mv lire ii;lil to add. nxtlif)'tr (k'kae amp
herxf!t senice, or Feature that m:ly ixroolllane Vole Acxanll alt airy lime
:ud wilhoot rolio: to lat.
Arbitration
/'mow- This rbilydtirm Provisimh sty forth tare cirnlmaarra::Ind
pn aduns under which Wine; (as tk6nnl bel,,w) mmn its, arbfirrul rosily]
of IBigotef in crtri.
lk?nilinrs: ,4s lad in this;idliu,uiil i'rmisiou. tare xmt `Gaim irmt is
ariy daihn. depute nr aitnr('m M,tttrn mu nxl is arising bran M
relating In mr.Aarnmt, this Agrecurei !, Ili,- 11(drnnic RitrIs Truxhr
So ices:tgiunxs)t. and ally ntlter relakil or fd id' agncnknl that mr nix;
lime irdwith sic or fix relatio shits malting fans amt of tlm alum
aymetlkr)ts C A.Nrccndnls'). Including the ali(hP; tirkrrc abtil, In-snile Ili
ihiS.Aditmlixt Pnnivai or the *rLmntras. I-or purthise of this Ar`:,fu atkwl
I'mtisinr. '?rxi' aril `ors' alit, indu(ks sn: mrivvitkt!tmml. rr w holly or
majority lyre xr1Rd idiarks ail li:nis.:u» liom.,km; pralvo.%5)m slxn.,v,rs.
as'siptt any pnrdlxwr c(ailm): µutts, all agier ts, rmpk+?:xs, dirrsrrs :Deft
g%LYmI;rtsts of anr' of fir foregoinp, laid olh r Ix'.rstnls i4c'rr.4 to Meaty in
file (id'ntitrm of "Clefts" "Claim" nd holes chinks of everv kind and
matom,frxhkGngIaniwtlimit, no. initial taints,camknlairus,cross-
dairm and third-p imq cli inm and daflns bald ttpan contract exi, fraud
and MM,r imartim)al tors, statrm`s, regulations, (Tanmam any and equim
..Claim" *. ,o fox hidesdairm Ixor xgairst any third part) sing,or
pm,idnlg :ray prdlxt, sen-icetr lxno'ft in amxotiml with ally 1(mort
Nirlydinrg, hilt nix limed in. creslit bun;nis, third Nldks who mail the
Carl twirl Tanks isilo tan. lmnidv a' mnidpaic in fnr-basal or fire •I'M&
programs, mlmlilrerit:Mims and maids irro rom, M411 imumnm
aum!rutios. debt mlkom hold all d their agents. employres, directors mud
ropnstnuthxs) it and mlh if. sot? third par is nam(tl as a m pam nifli
wu or is for rrk• a Claim with or agailta ten or its) in min ctiun with a
claim mseried In Vital or is against the nIM'r. -fly! Icon "Clafni' is it, tit'
girt n tie him.4%Ilim a nxallfnglhal will':e mkmxd aril inchli , In
roll ofexanlfle:nxlwithoutIimiLttiar.anydafm, sputem'cmtnnem.
that ariws lro n or Aids to (a h ant of fire Kmunts cm.:ital mAr any of the
Agrumtim a or any hatims. mil anr stfch a0collnis fh) a(huther milts.
pnnn otiofrs or cull or mint Rat(rlreng rJaced to arp such a0mil c -,rods
or ramous Itim red imler am., o (the a(•amnts or the killhs of financing. I, I
the lter efis and smices natal to CarLmatt> rship (irichding kc-Itmi III,
free berie i! pmgmms. truullnrnt s ices and rovards prrgramsr, and (d)
tour: il4icatim) for any account. Y1@ shall not earl a use arbitration Iukkr
the MAtmtial I'msial for any Claim titan )-u pmpair file and pumle fn a
small chins road dyonr state or munici}atilt so long s the Clahn n
ind4idual :rod iming milt in that (uud
Irdimilion rpf.ir`&?A6?n'lnr Pirxrrrinti6d'alant fifolthnink(mlor All'
Claim shall be r(suheA uroi doe ekrtion by you or sic by aibitmtion
pamiam k) tits Ar lration Pr lisiml and file ilk !{ p znM a of the
u ail aditmtiml to nib:t ual to lsfuch the Claim is r{:roil iv dfx1 al
the fire c tx (laim is filed. Clains shall be ref:rnit to rither the !arfmml
Arbitrrtm? Ninon (-Mri, IA,YIS, sir the Anxdc n Ad itrniOll A,vtiAtill
f'.AA41. a5 seleekd lA the panty de tirg to ass arbitratint. If a sil ctimh in
cs rf TNx-W t e5C nr}7nhmtkils is unarapL illy to ,nit you shall hale the
ditto wittit? ?fl d:t[s.dkr mu wceite !miim of our ckaim In sdca either of
thentmrnrgaubatulslickdtoso:nr:narhihu;inm.a(buini rata Pr:: m;
of the procedures. to file a Claim a for odir inlorimliril :6%il fixer
nnanicaiark ami:xt then m fall tire
• OIL NAF al P.O. Bill 501Ol, .\tinncafnNs. ;till 5+v!)+. wtdnik at
wwsvirbitm io n-kman.cum.
• G4At5 al I fYr%) AIaiI Sirrl, Suik 3fYJ,1m :ingclm. C-19:kr I'i; wclsite
wsmejairismlraxn
• AM it 335 N diwl At-enue, Nov Yuri. Ni' IMP: Wrisite w%wildrurg.
,Siguifrraottz n(.ubrlmlr)n: tF:YN6171tA17O4 fS (7!OSFN 61',4Nt' PART)'
R'1711 kISPFCf TO:A CAIM, N[•TTltilt Y01! Nr )It \fE \flly 11µ1i "D Ili
If iGI lT'IO f tF(C{r£. TI LKf CIAf 1! IN C,0! R'!'rJ!t ! IA1 ?i A lhR1' TRIAL ON
'f1LA1'(.:1AtM. UN'iT) IL•N'E'11EtiiK (7?tItISRFKµ;Ifill FICFITTA,i
1'hOt6)f:U !'I µi iN'1111i ! µ)F ! lF 1'N(X:GIH'NFS OF'111F: N41i 1Y41S OK
AAA. M MIN Ai(IE (111E "COFS ). FI T TI IE X Y01 ..WD I&E W11.1. NOT
!IAk1;111F RIGIIT1T) Iv rI(., tmrF.IN A IIEPRF:ViYIATIVF UPACIIY OR
4S :A MEMBER OF ANY CIASC 01: CAINVAl1 rS I'1':RTAINI>At'11) ANX gAIM
S(Tt)F(:r "I1) ARBITRAI ION. ENO5 T AS XI- F0R11t IWLOW, T11F
AItk111tA1DN'S1IFCISIltNt4911.111 FINAI..ANOBINT)INf NO'rfilIff
Oil IF.R RIGI D'S TI411' YO' OR \4T WOL'IS)114Y.. IF YYRi ITUX TO (Min'
AI;:0 MAY NOT BF. AIMIABLE IN AR611RAI1ON
RrallirJinnr on.4rhdmfxnt.• If eafler pants ekes to resohe a Claim Inc
arbilmtixl, tllal (claim sltnll be atilrafed at an irdNidual iimis. 7br x Blvd(
Ne )m, no or anlba ly'for uur Claims to It, arbilmleritmi a drra
mW nt back or out brm farn(r-ing (.7rrdnx I m igbi in a,(vnj)m/ill
rlmmildhir-1irki!rartbebr¢'rrflbrA-mr-ditut c.(Awr
Gnrhnembrn'rr (d/xcr /[rvHxs ?nrilarlr.alrrrderl. Theadtitmdr
alt ority to re"r (Uris is Ibn ikid to (Yafnu between ymi and its allot,
and the;Atrakr'S awborih' in maim a. arcs is limited to alnan(s to tai :ud
as alone Furdxmxm, Owns Ixutrght In, w Al aga[)st us, nr by us against
dal, gray mar he jafrwd or consolfrkrkd in arbitratiil Mfli Claims brmildlt by
sir agafmi sxilamr (filler Ihm Tat. unkas agreed to fn writing tn• all flanks.
Ar•Gdndrnt !'raTrhtnec 11* Ar ilratai lbaisiat 6 ntra(k pit munt to a
rl:!trcrcliwl imohinl; ink-Nate mman rm, and shall b grnentnl Ix lire
Ftskrai.\dttrniai vf.,) I SC. Ss]kdts 1- 16. is i may he anxrxkd (the
IM-). 'ilk orhiu:niol drill la goenkil In the a[pliralde (irde, eyetpt that
to ilk e\imll,rtkNmal,t under file FAA)dim' fimiiotPrnisidislall
conimf9it Is kloonstkml-miltte:q)pImdio•Gxk Tlearbitmdlrsfall
afilh aiidirlllkz ar(saltilc law uNtaskut wi!h the RA and apfdicabk;
,1:nulls of limitationm moth shall Ixxarchi!mof prhilLw rcmgrAml at taw'
aldL it Ilk- linA, resluest a littler penny, shall pnnide a bid wrfdel
exphoatku of IIx basic kx tin; (k'cison. lit adpR.ui(xt iNYxrriling shall
ram he gmurted by am jUrA orviaw rules of cleft procedure nr mks of
in idetuz. Filter pam m,•,• Rdxrin a n?Ttkst to the mbiuatirr to mi and the
stripe of diaotwery mrikr the sppbcble Cak.11e pam'subnitting such a
rejui must prairie a ropy in the ndkr party. whir may 9llmit oltfmiurs to
te:t(bitralor with a a)pr d die dgeaiav pnnirlml 10 ifte mviesdrtg party,
Within fik ii (15) &nl; d ftmi:iog de nyasting paro ntoom lire
grmtin, or d ni;t Of such a rm!Ik11 viii be ill the 5 dC rkirriiNt of the
x1rivil(d with shall noti the fatties of hivlxer dix6iat within twenty (20)
lees f tlx dljatbrg yam sRlMnlaimt Ile arbtrator shah take rt.•snIMIlle
siefn let flimne fix' privar of ird itiduals, and of bshxa mailers.
;udgnx^t Iirr, Or as rd mikTed Ira t e arbitrator may tie entenJ in :Inv
nxui h;ning jurixictkxl 11t mbtmlor's decision will he final and hnding,
r'Aa1x frlr amp riel of alipmd im ikd h) the !'AA ilowcutr. ant pare' can
afikai I!at atxard b a tMtf-aritifrakx pons{ :klminsfcnx! by tic same
arhiu tiro (rganiratkuh, WMdn shall (s>ttsikr atw uty asi at of the initial
awed nl,jrtiel rn hr lire agixaiingpam.'11t appcalkrg parir shri hasc
thirty (A ohms firs: t e dlde of enln' of file w i tkal arblWm aw.ud to
unify the Arbitmtiar rrgarrradal that it is cscrcising die right of appeal.
'file aglpeal shall be filed with the arbitration organbada) b) the klm of a
dated wnitblg- The arbitration organtattim will On nuffy the either part).
that the award lie been appeal 1. T1x' miatradon rxganrridml Will aptainl
a thrmadifttmmmp:lyd ftwe will oandu Y an arbiuatiat pormam to its C(de
and isms its rkrsinn Within one humired aid tmitly (120) dare (f the date
of the oppedart's writla)1x tae- The daisiom o(dx pamcl staff be by
nrrigmily wk and shall be fuel and binding,
fz,athon of inliftliln0lI mnatil AMx- Art ari,itmfial hearing that
mu attend shll Like place fn Or federal judicial tfisirfdrf lour nsfdexr.
?'nu will be ngxmlibi' for ringmttr share. if any. of Ox x1firratirm fees
(ili hiding filing admfniamiwr, bearing and/or other kssl lWi0de l by IN
Ctxk•, fi the extent thin such feet do ruet, exceed die amoral of die filing firs
!ou nTruhl hair inaamf it dre (Tarn had hxvii bmWit fn fide Rai or
krkrrl runstst to It
bi66rg ackhrss that ns ttkl Irat jurisdiai n err
the Chien.Ki•will hertgln &-fnrparingtienirmitdicrnfanyadtitrukin
krs. AI gar wrotal nrprA. We will emukfer in gr(d faRh making a
tc tinmry achana d alt a fdtn d wnu share of the addratiots kys kx am-
Claim Hu inai:rk as lea which yen xwi'smk arbitration. Yon will nix Mr
assemeil airy adilrrtims km hi escm of pair Share if -mu rib edit prtsail in
alts arbilratbn Willi ns.
Lonllnradicn. This Arbfirafimi i'mvisimt shall survive fennbintti(u of sour
annuns al; Will as volimkati payment of die Acmmlt balance in hill bs ynt\
ally legal pmattlingM pal nr is to collect a"mhed try tM: other. all
hanikruiic)• by yen or is, and am sale by is o(ywr Account (and in the rase
ofsale isarmsshallidinh•lotheMmeofanr(fyoirAmmit) Ifally'
lhonion of this Ariitmlirnr Pmviiirxi l5dnnxvfirtralid or uremifimx ilk
under am• prbxil k• cr pnkisildl of law to aptify a shall not Invalidate fit,
renn:dlring p mtkm td ohs Adrftladndt Pnnision! or the lgneenxot, each of
wlddl shall lt: cnkxcrahic repnira d such fmAidits.
Waiver
Our failure In merr* any of our riles taller this Agri mxnl, ar ddal in
e!iforcing any of anr rWft or anwaiw:r of (mrr rights ill anrr (xr'asion.
shall not crimstibile, a w:iwv(f Rxlh rights on any other temimt.
Consumer Reports
Ynl out orin! its to mpresc mistnn r ttiddl5 Akron yai, to make *hakser
cmlit imcstigi tions %w farm appropriate, to nlitain aid mchange any
inl niratiun we umn rmme tr roll mtaantr rellnrl5 and otheramuas and
0 Inn ash inkxnredm for any pturpwts, athject b aMkd111e law
You atdhil iat es to dullish irdomtanat eaiccrtting your Aawnf to
axlwtt er refor irg agmft or oblem subject to 40icabfe I= If wit
hehm inf amatimi we lase fumshad abari nxrAa=l to a cimmurr
rpmtin; agady is iumrab,- m should write to ns A Arnerian F.%Iwm
• 1v13 670650 7/19/03 5:02 PM Page 3
(:ndil ifmrau lobe. Y.O. Btei ?W;1, 11 !anuk:n - le. Il. 1 "Ind
Wrath, the specific information ;mx lelieve is nammile.
firm are Ierhn• [VOILA that inkvnalkul :ittmtyrunAvxmt tlat may hate
:; ner:llit c impact (m pour enddit mad rainy be sublilttd in a Credit
rlloning ai%iey if cal fail to fulfill file fend of yourcrsgl nhli; aunts.
Telephone fNonitoringlRecording
Yott agree that fmm tine to vin ewe may nxxiinr arlVormorel lekldnoe
calhsliefte nl Wl or A klil mail C;ardnxKnlxas:nd Isln:mm flit, (pualih (d
our nsbmur S,.nilt or as niplimf in' ai,plkabk• Iarc
Use of Card at Federal Government Agencies
Ame icra Expr,s Iris tnx nil into mnimm that en:dde the 0mt Mile
aatlu(il of amain ftler:d y mdlllnlellt aixilll S alxf Iklxtlr xitd
' :Agc•nrks 1. As with Carl Iron i,;n yirns et aannurdal sl:ihlislmenh whehi
% lit rh(xA4' li, Ilex` :Our I :ml :.It all Atxin Lvdain lharW i11(Xndtion fy
Ixxv llhadk ied ls.Cllaf ulonoaliuntrain Card l(ansmliot,m
,sx x, ma fie (slit f rilim- n r1 1rx¢:ulil plum's; bfhng:md
At
. ,Ile hr, l ;h in l x? 1•ld m;l h ;tin gilt d for rp,rini.:m d as cox)
nLirkeun;adrlta .;4klilkm:d uaitftauts, idtinlr,_+.inkmtationlK'
Agenci(, are puhlisiri herif4cihk in Liu Fiord lflgiµs
Notices
.Any notice gimi bt us shall bedeelmd gfvell moil 4 uir,l in tic U.S.
mail, ixKtat c pref,aid.:nd(lm sed to %vu at the iamst t;il!ine kklnss Jxutu rni
mu monk.
Changing this Agreement/Assignment of this Agreement
I-e ma, "'trim the trnisrdnr aril o wkmr, to dtEAgRunellt al anti tine.
in ass(n):ala• Kith al;jda.lhkr kw kXcc mat a1 ph an;. dianydl (r nsv •Ams
am thlarrtLstinl t rhnx(s rm ;our A xmum s txdl as to lidum. Ixdxru Is
:lc man al:Stahl.mansir(rssipi dn.,Agniixolanllltsdivilot nc
III71(• Nilh doll mflEl' NI Gxl. YOi I flT,l\'!'NII still. aeCyIGIUN IfAlrf(r iJxr Aecrxnnt
UI -1 :i of loin' i.iitilfrn s under this :ki;,xvilult
Assignment of Claims
. Ilk EY1,111 m.hsp k aCh:agcalnl ne nati -?xa infant frallor:est.
f a 1 64onla'tllir .ty1 nlxlmalk;alltslxanti nand:101are
,a f auallw:11h k ilml to -mii;n and lmoirr k m. stn righs and chdn'n
schhr tint clcinu)ilm%lethaw. lid rmrlinvai litvardiLis am, third
j,: l I x „tit anxumt Ignal ,n the , ITnLnI wV CHilol,o srxlr $irxnlt.:Ihrr
m, :mike such credit, vii agree that without our crnela;t t,xi sill not pl imue
aI , da n arailo fit r•imbmsiinrnt fmni Aich INN pan hx the anxr iii
that we OlAikil to yrnn' atu)nnt. amt that you trill axgxrak• Kith es if'.:c
deride iri pilnue fete thin( pars for the amour: cadfavl.
Applicable Law
Ito Agmenlrnt sal yihlr?rmwtl and all gr sit AS ale wit; their kyditi,
trim ability and alenxMatio i, are Periled b Or hAmi Of ft, Stain J
t;lalh (wiilxxn npnl to Internal principles (d(nnflicsnf Ias), and IN
afq,lkable federal km.. etc are located in Utah. hold yma Aunt in ti du,
ale d embed hint flis Agie vent Mill text in Pith.
Ali!!R(CkK E\PRPSS (TN 11.RII tit BANK
1102 ,
Il(oid li. Ibnl4•n. Pn,kkntT,liO
TO A,MUtWA:N EXYRM. CARUMFMBERS IN THE ti:NIIED
Sf..ATFS AND IM TF,RRnDRIFS,
FOUR RII.UNC RK;ff M - KEEP THIS NOTICE FOR WITTE
tiSF.,
!fits naive m:i'airs inljxrtant inli)nnatiol ahul! emu lights a)xl uu;
reNxmsibilitics under ilk "fair Crnlil killing Ad:
Notify Us in Case Of Errors or Questions about Your
Account Statement
if ton clink yon Vatnent is Nirrng or 6 you Ind acre idonnatio l :dxud
a trim:ribil oil }fur statient. wtih: cis oll o apaare abet of teal at lice
a lilr•ls for filling ingnitfcs Ibi(d oil rarer sial[ilda. iStitc n id a arm as
1,i6-J& lVe IIDRt tier front you to lair than (it (bs aflerNr sent vat the
filsf stalkariii lea; whlidi lie (nor or pribit•m algxardt h?ui cam also
te!vIli(ne ns Ion rk?ing sYr will not pt serve liinr rioiK
in turn kikr. Out r:s ter fmll(xsing infhlnm1iiin
• )6or da'ta':nxl-Witul l 111 mber
file didfar anxcad ,i the ?Ivix; hill error.
• IkM:rlbe tlyc ermr and rvpltin, if ;vat call. sh; tow NAM, lliew N
an error. If;ou a-d mart. information. drr:rily II#• ieni soil :are
and Sire abntl .
If Ira h$vc :Ilt!INdCJtll In x, hI: t."Iir Acidinlnt.4`.:It6ALT.l :1:Ikxn:aKalli' f rtan
soar vas in,?,s. drit(iir„ or toiler amunl,1011 can she! Ox• i'ePgreali ire any,
nnvunn you thillk is w?t?rrr.^lg,'Ib 4np the fxnjocal_ y(mrkfb must non--h tb
threebusines(lenstelit fix atom:mic!raurivitlwsrixdhtkdn(W-m
Your Rights and Out Responsibilities After We Receive
Your Written Notice
We mu tck xs Acdi9 your letter ik6ill thiA; (30) days, tuhks ac have
mincwil One t mr k• drill. lVithn ninety (9(1) days. Nt must either co nct
the ermr or i vplain wily we held ve the catinalt was comet.
After N•e nrehe your kdtX wt,. cm rot tn. to Cow any al citim you tpcrtio,
nr ((hum ;rxu as ddealoait Alecan onolimtr to l40' for die anxsxa yet
question, including !1tiaax:e•(.harg(s yam lit, not flair n joyaly quesilokd
:tnoatnl wleik wt, :Ire imt,ug,lting. bit yvu are still riii(;led ntray-the isars
ref yUitr 11;IknRnlt drat :Irt, Ixrt In tllx.,timr.
':.f wt, feed fhat :x ;made a m!stak(• oli tosnr 9atnranl. uxi aril nr bane n
iris xl; Rilallre (llaga9 nis:etl to ans• rplaikmml:nrriunt. If l(e did Ixd
make a mtt ke NAI may hart to pat' Finance I'llagx,, and yal Ndl hale to
make filially mod payments Oil file qu esti-Aw anutms III either aw- we
sill send ton a statanax of the amount po (Ave and the dale that it 6 dalm,
If rr)u fail to la; the amount that Ne think you (Mve Nt• nun' rlor you a
drlinquem, l6m,, i(om mplanalirl coca MR %Hsfv you and yin write to
W Athin lei (10) 4S selling us than you still refuse to par. wt, oats nil
anyone Nc trtnn you In that won haw a q)utioll aloud yalr st;ltncnt, and
ar 111114 ell I'ai title mane td anyone we maned you to Ifni • urea fell
anvOlle a ICixMt pit to Olaf Or n mi ti- has iwn ruled fetwmn Its when it
finalh Le.
If nr do Ixx folba' done lilies. m C,InIo t crlo'ti flu first $31411,1
quxskxxd allouit orn if t Our A:dUneld wa, "';mutt
Special Rule for Credit Card Purchases
if rare tear a xillikm frith file qualtr, rd prtexm orsunimi than :ton
puldmil wfdl the Cant Ind rim hoe hied in ind f ail to nncr; =1'
pin6k in imih floe nmnit n l v(ct imr. h:un the nght;vx to h fix.
mntairimaoumntdtmonfile pnp:nt(itsemi vs.'rlik arc lostlimil:nines
to this right.
(a) Vnr.IntMhan mukaielxsrh;a inr(Alrb(na tatror.ifrnty.fOhin
tnurhntesutilMilan IM mi!esofi•rnreuriaalnailtng uldru
and
(b) 11e purchase price must hate ixcr. male than $in.
dust limitations d) roc :ppily if Nr mwt or operate LIT merdanL or if wt,
mailed yt)u Ilce akatianlxaa kit Oe prof ere orservuxr
Note for Ohio Residents: llde Ohiu laws against dkcrimina(in require
that gill atalikrs Hake emlil cipudh mailable to all cmlilWnvdn•atst(alt•IS,
:nxl that ctlzkt nllrndtlg akxid[s maintain sey)aratccrdit histories of race:
in(Gvided lgxn itgrtcs.'. True OL•ia Civil Riuits Commisskal :abnfnrskds
•rmi iiil:n• wth this late.
ONt? YOtI F.'SROLL IN EXYRI:MS CASII (CAIA.1-1100-GASII-
NOWJI) PAV BY C MI71"ER. PAY BY PHONE OR ANY 0'1111EK
A:VIEKICAN EXPRE,CC ELECIRONIC, RINDS'fRANSFEK SERVICE
(WREAFiERTHE "PROGRAM"), YOU 4'111 BE S('BJECf TO
TIILS FIMIRONIC FUNDS TPWN-SFFil AGREEMENT (THE "F.Fr
AGREE MM-r).
Scope of Agreement
flats E FF Agm mtem covers you participatimi in the 11rogratn. in this 171'
Agramenl. ft Words "ymt' and k inr' mfr to the Basic Cidnn^Inlar
and air) inxdlek all Additional Cirdnemles who fun clirulhd in rile
Pr,};ram.11r work "wc.` "err' and "us' refer to American Ex!mac
'Triad Itdakd Senlms Company Iltc. The Wra'ds `%ourAnxriean Ftpn n
amounts' refer i) rwr Carte A,annnl ur am other Ameiirmg E xpma
?k ounts that WA! plTilr HNI to ennlll In fie Program. l ne nods', our
Rank kcrnxtt' rekr to the annum held h a bank. sceuritit, fimi n, Other
financial intaklitias Irom Which payntnt will lie mark when ym oak.
m alseirxis under the program the nnnLs -vAr hank" exalt tie hank.
,acuities firm orother finami:d inn ituliixi that hAb tour Bank "Imi(u
'11e Nook' etheroeximli' refer to elrci nuic pa}tuna trall*r oh hms
an&otoilereshl;xr chat.Americ:m kxlxiss mar, nl;ila•:taitabk fmn
title to fink', inclding the?,i lirnl to pat }oar Card Account hill
cketnriicagyacinga co npl;tir phrne or allot device. Pirlicipailingin file
Ex1rs, Casll I mmm Nill eiabk; amt to use the ('anh to obtain "'east fmn
AIIlomnil TRI r ATachmes i" ATA10 rlrratal b any hank or financial
msGlutiml Mat haricpats in Ile Ile:xfxvs's Casi Nogr in.
The Cad Accuum a.gOv ed by de (aldmrrrllcr Agrentil that u
anachul n this WrAgrmnenl'I tat agwilill and the capinliml killis in
it aka apple Ix -
Personal Identification Number
In nxIn rtirm with Ivor p mhripatiun 1110 e Pmu;lm, vtl' hair ism led to tam
Or (Mould vat to dim m r mvn Ilersol;d identification Number ("PIN, I.
W, h time I'M wish to Obtain Mi al :n.A111 you must aipph yixnr per alxl
ILGe rM l,tC4iit tlx: faRl li, lndtlrl' tint iM 1111aIItINJr1'/td llaiS;l(ikxla 1t,'
al:xk IItxICY file Etgxltia f',tish !'my;ranl. yon sluxdd ate all re;isrm,tih
pmlIvIvINn paved any other lxnwn from leaming)air PR musing tie
Card. Fist cc)nyde, reset Ixti, any material Containing I,mr 111K alix1ed to
nr Niill file ('ail. (IIM:r efn:.nmk kuods h:nskr nluirn may re man' Iw
rrpifle tic' ita of a I'IK
limits on Obtaining Cash or Cheques
fly Ifmt rn file amount of cash Oat arm ad Alklitkutal (anlnxanliv s rot
enterAnericm ExpICCx.Accoilltt• mas• Obtain firm Allis is $1All in any
4?vuril ieicid. Wx. may impost lidditinltal hinds at our sole discrelkml (in
addition friary knits imposed by the.thli'S nperanri.
Payment for Cash Transactions
lixh One viur irriifat' a lransaxtion under the Yrrigram, you inFlart and
atsh orin user our amyl to drawn check Or infdato al autli alrd clawing
h(x(se ("Actr) ddm in wmr name nn vnr Yank Account payable to is or
to otragCrd.bnikaminuil Of tile transaction Ilk: amxlntofti)e
tvaimcliori is the, and of (0 the amount Of am• emit iii iercrvrd or oiler
full&- tnudkryoo anlhnriad. (if) tie amNmnt of axe (Afar g(rils orcriers
obtaiad. old vial any let, in i d for (tae Of the A61 by its ofittilor
Fees
Nit mist riW a lee In the Cant Aerrxmt f Or d : di I g rasa Gist b:mCKYim
aIanA.r11.Titiskrwillhe ?n.ofIII( amount i tilt transaction. witha
minimum d $5. llle allxxmt of the irarIctial's the fatal of (i) the
anlnum of mrv cash col received or other hails uxiafervcu authorb al. (it)
the anonnl of am adxr goods ormnices oblolned air! (ii) tiny ens
imlxmd for use of the ATM S, its o ftral r In addd m, for each tilum non
tnur bank may anti a its tasnlmll transaction lea; or pucherk or itm-
ha filing diary:, if am: We may a6u charge aim of $29 for each duck or
A0I dehit drawn by us or our ayit in mntrectim with the Program that e
rni hommd uquat fiat prciulhnan, r4 m to opplicaltle kn Your bank
may ohm acres its cuneanaly Charm for aidi fens. if any
Dishonored Rerprests for Payments
If any chock ni Aft I Ilelzt drawn In us or air Wit in connection with the
I'nimm R not hnuatd by your bank NC Lase rite rigid in charge the
itiml"it ail aril cavil transaction. and the 0nn nd pa wwrit. irk nferrd to
alms. m the caul Aaamhv or to, olled the amr roll fruit yru. 9this
hat olis. rat men r.•dircel par rigid k) parieipate in the ft-".
F(m a'riam Bank.Alwints. you tiny have a wexr:dt: 10"f nl with ux of
wan a partidlwing Irulk. imimlis fine. (rogler fitariegl hTatttlem that
alkms a him of rmlil in he a'c sA in the mmt Clue pmt Bank Alclxmt
Gmtnins itNllh•Cnt fut ids to nuke panxrx b its Vat should refer to the
affinolriak ayvzrraent relating in that liter Of credit far the tens aril
nuetti nS that grrHn fit 119'.
Liability for Unauthorized Transactions and Advisability
of Prompt Reporting
You must till a C ONCE. it inu belie Ile Or (:ardor your PIN Iris been kA,
Alibi orfmni wahmW ytmr pamillIskue TRephoking is file bLm Nos. of
minimizingpa" k sm, (I a inumditto was xnaudorbed, atoll within
rats, days aflerwn lam aloud it you IN&, to illy file transaction tail
Mill udicafnil,iNe will 1not hoW you kable for that hialwili L In airy cunt,
rain if col tad n EVA16 nor, totr lialHlfty k,r aye uucxaboraW transaction or
art(: Of eel fed urn dilkni id transactions shall tern eiceW $% if In 1
Ielime the Card Or lour PIN has twl kbl rr Svskn or that rilfll(.f' Ale tins
trolskmd or way trnldix mace firm nett Bank .Acal nt widrotr
permission calf
i-Aft5!9 01(withinl S)or 1-fib-333-t?Ii(olnefde15.) anytime. v
whir Idnerimn FTrm Cndit Alranin it I,.( I him 51VAll, Plk'rilk
Anne aR50'?-1430.
Oulw.ke the United States. ,vu gmly alit ennui any American Exlrmss'I'mvtd
Venice location In retort a lets or theft of tic' CM or Isxr PIA.
Our liability for Improper Transactions or Payments
if a transaction is tax completed as you have difec id nr 1w du not
Complete a transfer n or from ),cur balk Account on firm in the correct
a»lnmlt. we will mraich and correct it as accom once em advise us. SSA
will also Kt ibim cat for your actual knees ordinal rang caused by
Our valor. Ikmrm ibere am some czaptilre<Rrvai6 rem h:liwe to %tu in
the lialimgg imlarm
• if;thmuonola(hdour, yarhaiixAmnardoes ntor did not
oxn:ill trough m anet to eom i" Ole rasaction or the Iradf(r,miuld
exiled ail end Credit fire
• 1(the. hmkinymrBank himmiarenwenkthe&wold* aenptal
trrv.cti n suhlcd n kyd emus Or inter encumbrance restriong tea
traisartirm;
• O tlx• Ant or other kxabxi Nixre tare are making II transaction (Ike lot
hat: 4nigh ctdr.
• it theA131w3)ultwrriaikpmptrh21YJUtktcnv1111% y11-d'tinelat
slarkd nikilg the trdlis;xiirnl;
• it cinaunstuas lx wxxl our OUntml (such m fire or fkndi Laevein or
Ixewalled Ox traniactko, deviate n:aat3Wprecauiors that wC: have
taint
• if a kxir:;ical nagimaan bloom b yw prctimkd due Irasadion;
• rranydterrsogdiodswtizlhgOtiiFiTAgnc:rnctK
Businen Day
Forpurposesduho EFi'Ayemm%orb sbmd ys are knrday through
Frklar. flordaes are not kxdtlded
Arbitration
Tie Cnnl Amo rd isplemid b die CarhnrnberAgfulund corautad }main.
,nrArbitration praisingcoud ndwidendratagwmnmlapdrskothis f77r
Ayccoml. Please rho to that provision as you (ead this WrAyecmcil.
Privacy
ElectiiullC fmsds Irasdf rs you fnftiae i ulsta a to rise F3 r Agmari nt are
ammi la t e.Atmrical 1-) wee v Pma(.t' I4>Cn; a rq* of whirl was given to
von Iog',Io wide far A inxrira*. E-, Iwess C.a L To i i m our Private Pnacv
It )line: plieft• visit anlrrictrawl,ma'.nxn.
Now to Contact Us
If for any n-JPNI N)rt wish to axllarf Iles ahMa de 1'019rarq ahmt ymxr
Lcutiri ion to date Progarn Or ibus lralsicam. n'fatfng n ila i'nr ram,
rerite. or cill us Is Will
Accts Americai EVrL%Tra vel Bebfed Scnias Uto p w, Inc.. Expnas
Gish Ofimliors, P.O. Rro: 21QK GmobbLft NC 214•15
Telephone: I BIrF CAST klika. 24 haws a day; real dw a week
In Case of Errors or Questions Add YowTransactions
Write orcall acsMTheorriberor add= glretsabateassoonl cal can If
yal think your statement or R)Cl Ipl is wrap or qym rad mom
infnrmdon abed a tarn atiml load man ra rstatnot or mojl)L At must
Iearfrostwarrobasthan &IdaysafkrweserayouOrF1RSfstilunlent
on wiedl ter prdlkan or emr append
1. '11-9 its your Kittle and lard Account numh t
2 [ovate lace arm or the hnugsa(tion you all txdux atnta and expltilt as
(dcldy as you can. why you begew a e an ern cwwhy yw need dime
inlimitalia(t
i- 'III us da drilar anlnwi of the gNxrW (amt
v13 6'70650 7/19/03 5:02 PM Page 4
if pull 1911 its orall;; wu 11111 millirc that 4ou ser ll us}rnuueglhaint x
titu•s!ion III%ilitllgwitlim if) 1115ille-A Iki)S from th(dalt}(u IWlrtd IK
ft Mll tell loll tx ii- mills of mu inrtMig next ait!lin ttlhreixti (bW ahcr
•ae heir hnsrn ?•uu and ae uill'a anti any error pr,Algxh. If a(' !xtd oirw
lime, hrim-krc we ma} Il ke onto q, cdeohit (1146 a) ilmsti to lux
(n: nplalm or qi rsliou. If nr,kr kb. b) do d i wr :,l!t n4ue Iktf slvhank
nc!1*.hL ;nor It ntk.'4z?um! :ci!i:in ill Mcnx.?? da?.° Gvdl(•am(xlMSal
Ihl!hk 1X !I ` CIir,L sl! 111,111 (a l pill I live the his: of Ill: ini dlri(gthelino
i':'•k;v_:tow:nq,k•kpurinresiig:ukal !far:rsk•au4itxr:4trvj,x??rlp!aint
:r (l4tin(Ni I!1 rtnliilg al pi RY Il' reel! ntiirl' It 11i1!11!i fe hl.4ix1x1G4?
Lip{+. ing your oral Ixxificatixt, nr roam and nrnitl e+xtr Bank knxnrt.
Pnr b;als;k Iiuhms initi;utad (xus'k, the l nftal Shales (a:tl in i! t e,ex Ih0.n.
n uangers rwlting frean am luhu-od-elk dlifl eimi murexti ns), w"
a iIl harr+Xl c:dcn,klr dins U) •an n klr, nor im^.1ng:4iAi. nni? rilhersi.•a•
retplimi l)o law.
!f notifie;nWn rf ant entoe s mt:i;ed within io rkxldtrdsysafkritAxOank
P.rrnml i>: igx:lrcr, wt pill haw
>dl btnius's daI?; to prairk }nu wide the
ie,adts td ixtr imrstigatiot and curled any error andrX)(arys (n (iltnpkle th„
in;rsiifhinlt.
1 -v kklwrnfnc that thr was in, crux: m: will sax! 4ou i xtitlen
e;i:lnlatlnn wilhfn titra• hnioss Ikns :dins rs finis!n otrc ihwt5at;algri.
I lxsn sat r rquesl tar will pr dd•)+xi t% all cilia s (f dk bratnxns drat tw
osrl in nor bnvftitaot. II we Nnv ltnn'isxxtalh nmiAil eonr Gaik
h^rouo! ilarhik the tmts!igafion and Jelermio! Lit thin xs. no ems w,
call 11,66 :nu of !lie date on w!lo,il err will okhi! tixr Runk i(t,xnd.:rxl
Ih,.:on(cill !0 hi. Je iml. `On sNAIN slake' Qrratl; this mnulfmk:ktxamt
c: , ,mots aillid it fu:xs to . rho the'6ml, !fit dos n~<'e• thane th( riehl
I0,111 y l4ldl amid! to IN, l.uilk(lnl!t or ft: o>ll0.s:114::nvang rpml
):n! Ifai5!!'nFNT>.1t(:mar'::Irv:d)rnani;?httnp:lrk'it.n'inile:ilr:ram
Termination
k't,nrantshixikurail ;n,:iii!instihIIi(nnpank:ifcttingindxIrvjrttalit
aklInor !mn(nefruit 11x•I'nhgr!m:utyat,;dl.til'btsor, midrlmlitfle
Arias profile+I at any loan!( I Mtoul natlling rnu h'kelt acid. in
atklilion,:u;:mre,!islmlinueitei'r ,rant lit attly little.
\'cnu riglu.lo lantcilxine Ut thiIYrytr.An shit bt xvrnilakdoamgtelydsl if
thc• C;Ird A(rznirl s cntirlkd Of slKtx:IxkYl. if Uxi CnHI? lIn alYhn7lr.(tlUl?
io;tbrr.gixnt}ourhanktodire„th, (iuvy:dxrkrVJ)avEailkkaxnntit
file li:nrk,keoina fr:Nn ldnch pot mxnn will be- mad wixn uxi make
n:l ?s(:C;io€x imilt-r [lit, hri ram is clued to withdraxal as sac io s hi us or
(All apmts,dififirpat!(ipalinnill !tic }'era lm'L5intrthrkr 18[M!e Jlliit'
Info olis f,r nx)m or if dx' lard kroxint is on ILitim ill PxtI*gndm&
in a(hl +:inn U) fie tixrgting :n• inat rsoke }foie righi in, ;rmicirtakin the
PlUglanl. at a•.)y iillx•, af nor wk dis[n'wl. nth or withrNUcnse.si lit/ to
app!kahh I,re I(::r tin K1. arc will xnd .nu ctrl an ixd m.lxa st rn) 101
ulna:*n: )!m InNir(: until after llx• mrrralknn. Ki' aev)!mnedx'right b,kne
aln!N;ri>a!irai I•n':un' nt;atnxg! !raln:lilhllL al sale liile.:x ratio Y!k
diuniiwr.:,ith o ni!hon taux•, atxl witinxht idrimh )+xl InrSr.:S`ft(tr to
appliCahlc tine Sou map lemlinatc tour p:mUi;rJlfrn in Ih• Pdr?a Ixd
,m nuts'l do o lit writing nil us al Ille'JtkirsL Ilkiri d m *&r1ii-1 of Ills
Ill'!' :ignrnrnE "iltiddl "I i(><f 1Y) C,IiA'I:•IlT IiS.`
Prior Agreements and Assignments
'!'Its I'.PC A leer ni?t super odes all prkx ignismns },ol utt, (x11: wide its
Ii lalfng in the Program R, h:me the right to aoipi the IiFf Apnrmxsit to a
sL11, 1iarv a0ilialeconl)amatany littl'.
•A1'.kNC04 !i\I'Rp$,l' TItAF`!ii, H.imnil) til'R19C.fS ra'.Dtf.Atil: the
,>•+. s',
GOnkm A Snub). Preheal. Gmsmwr (arbtxnther.we PAi
Note for Massachusetts Residents
GeFKTal Disclosure Sl dament. And dmulrmi liut irnilnf terra
which Ilxix'aa- That an elctlr:xlic huxh imn (tr %v s mule Shah he
;x11 niSAIlk as (li(knxt: of indl ran fu :n xi shall Misfit* priir a fade Imx)f
than srirh trntsler mis mad..
'11iv initiation ix rani of ant;tin tlcrxnxiic funds Iranttfas flan nlr Gunk
la unto;ill,eririasothenlisepnaitk'dinthsIT7AgmemistdMK%.1y
liminafc r,xr ?ilih to Stoll lament of tile Imasks.
CAUiSti O'fiII:R41tlSli I'k(1?'If)hD IA'I'iIIS la'f M1Ri1'At)A7: )1A: d4U :'.(YI'
57Y)P!'A1;Fif:A1'f)F1:1}r;l'RiIAiCIt:'Lf(CTittASIERS: TiBREilll.'F 4T)l'
SIIOLTA'sVl'f E11PUi1' iJF.C17{itAIC;1CCIi.? IiIR Ii:RCfIR4:C(Nt
SETA I .FS UAt. kS YOl i Ali!i &YI1Sl (IiD'111:1f 1(N; Bt(1, fi(n' AtOT! TO
S'IY)I' !?t'i di 1'az'I:
Dkslosure of Account Infor•mallon to Third Parties. gya! ghr to
tour wdtkn aulhorisnion to dfsi(m infonnalkxt *Kg chum lotf (ant
kznunl ur Ilx trunw than hint )at arse( Ui am fewt, tat manor •dio?
shill' unom:nkAlc eyure. 4i (fns der n( nrzne n
Optional limit on Obtaining CAWIL. 4o1 I anr tit iii4irN1 W rapxsi
that „r I!mrt Idle total amount of cash that font map obtain ttomAns in a
afnpk dal l0 ;50 if )tal tkd Iii:, ot'lion -.%v fake all a.Mial,k s 1r; to
mngdt V.111) solo mgr sl.
For Your Safety When Using an ATM, Please Observe the
Following:
if tr, ATM trxl :Nr uAl!e is insik' a hlliklioig ckts t! earn tax rut ikid/
n rin eillo ing. lodi(irhuas slur hate a ley jtinrtle Ixul In dirt xayc yr an
I'7'1 s!drrdd hare a rel. 11iere nl:n lie rxx^sius Mien IIIAl-mdroflA ie n
i di ikxf'ser lal
,millacr , Lt. in CA nn,rilitie than anr Ivinild art
Pan willxlr;nin ,;rsll in a arum p1m; lA:&m skyping alaay front ten Be
/,van: rA vox snrnunxlinl s. If mn h lieve full am Irving xilkil d or
(nll(rtul. cvlml truer trals:xlinl. Ih"n ),ro to a ac-II ,xhixtlaerl ass: If
xttssan. ch6 to earn {)nitp:.
Ike nra +erttfnlr PIA non)Ixron or near dia; C1n1.1to not ghc Ivor PIA
nutalIxtoallitxeelse In coeofin+^.lxwilq:Call 911.
Guni,lail?k axntmtillg sixttrilr :a an ;txsi:m Efprss 1kn:Iter slxxdd Ix•
dhtriul to tli(• 1drUci? Iskd umkr"i!t tYr'!'U ("(IKI ?t l' I ?.
A.tla:•f:1isi•r'shingnc.Ndtiilnhi:kknl nrcrs,!L•iL+ll(!c;l!iwlxint::•,
nil (:in aiiMrt as nrll:ui d it) lo,-,d rtgulani(en.
`!;rr.llais:xiws(irsrNikn!s Ill rhk'Itd,n'd'J15flntea(lof htnin(milais.
Description of Coverage
Dow the Purciflasc Protection Plan Ylbrks.lF!xn an American
Exi)m s' tarlnmlher dlargrs a emend land I,,& with his or her Card
.Aamaiit.' the Purdrw Pmaelfot Mill protects that it ru for 90 dal- fmm
tit data dpueh:se if it is skden (A':lai lentalli, damaged. ineltxlfllg
r'an(hkivn. Tile oartage n 1.1110rd In S I,I)IO ixr (kaumnler. up to n) nfl t
Ixr Cardirxnnlxr Axrunl Ixr IVIi'y Mlf. and is in EX(T.%4(Faa r,vunrs
(f in(Mhmtin
How You Benefit
• !anr(flxnu!alprilxnrpnrdi;wl tart+vkmi!I:tM(ard are
0ninil ilatiiAing,0tsnurdmii Ifit )If w,
• AsaC;lidinonlxr.emirpoirhasescolekilG,r'a)(ensMali!Iit lafc,f
'a10i'nx ixanen) ti r' l IINtltm I II prkv stile arr•Ilita,Iia•nl
kith a l Gnij knout ur :all ,lids Ix It Inillu of kx ilk! mum; I
tilargal lit t(Rif Card
• 11x Pur(inv t'sitet'tiii Plan pmli:kxo recap !or tq: to gi!XX)!xn
(knllnna•,f exit o• a(tkknda) damayy, uxllxling en::kilsm.
! °(k::w rtrta:"4 mini U1 cxtlad55r1,tXNr pct Canlnxnnkr 7a^ctwni Ids
!:Miry Ica
• 'I?le prrgt:tin: admins!rttor mill (Itxitk wlxiher to hat• fie itch olliired
or nld:xtd, or Ul mindmis: tau (erdi or credit') up U)!Ite altxamt
dear ed to dot Carle and nut to exceed the ofg' tai purrhase ;iria.: '111"
!'ureh se- trterioi Min does not fei:nturst for shiplting aid handling
topes or hAdh(tat, amztnhh. or other servke dap;+
Who is Covered
You at oximed milk-r this Plan and (rnrmtm remaim effXtk (s long as
,im arc a 0.S. nseknt Gnnhtenilxr, that is, tle Atlxrican Eadnes Card his
lxtn isuhtd hl vxr naror. an l )ou maintain Your Pimxnxst Resil7xx in
tae 50 t:nikil Macs hf Anxnicl, l!':e llArk-I of l.rhlmbia, hxrk, Rio), or the
I. S. \irgin Idiots.'
`:'otr I tmrotent R(vdn(c is orainkrd yfxir tximan dr dIan t
Key Tama to Know
• Ile'IxhiswiA(xUliepaid i l!hcdale(1(kc(Imna,alax(krtnf
d:limflhln{,q'oFlii'0.•dinetilsu!141d,rc?aimpavtxsil;ur) anunnrld.It
for utur t.and Acti:nnl s nn!r,:id fr,r nix nil nwrc hitting ace(s) nr +anr
Caul:Wxutnt is orudlt.:
• \III I rust paa,:i C prnrd(tf pufill iise skit srIisiixim Prxd (f 8u theft,
aa:irkn!al damlge,intludingfalxlaisnn ;tide is it' elkclto
flual!f, forpai^twti under fix, litrchase Palle a in Main. Rehleniber to
ka1) Al war Arnerieato halos charge Iroli(ts, orlOnal strAe maglts.
and darra>xd ikvrs.
• (bftrag caner the Purchase Prutecli ni Plan is EXCESS; cis Ineams that
it, at f{r time of (tmrmnce, tnu !tare other; alid mid afku0ile
i Qlmnee'Ir intlenniftt-sodaashut not firnftedto homearner5or
runWs insuraixc-tx: Puniiae i'roa^clie Plan ILA awar that auxnunf
not crowd lit, suds otter !murex or indannilp: (qi to de lnnis of the
Pardhase- Pr:xaskxl Plan.
• I'rdtxl n{:aNS, dl:X%)militi (N nxgnM1' Rtiint[vI !sal! )')1115! IN'I(r
Rx!gKtrisxi 1xiaimme; will Ir (kxhxltd flan the rmgnial rust (f INC ften.
Purchases Not Covered
• trairkls(iecks, tidats ff any kind, lxtmtfahle iro?mm ens (such its g0i
a•nifrcates. OR rank alid gift ducks), easl) or it: trpthakm:
• ani:nasnrthiml4mili
• alimamble or lieishible Ilonstr'I!11 llliln(d 10, ,guns lsitrilms. hul 01
limited kr. Ixifun e.li4n hula, hmUTb).
• at the time of porch2st, uAd. ft:buiit. rfiutiished, or
remmnnfadunri ilenn:
• if the dinagtJ or stolen is ni ttmsisis of aricks in a pair or sea, ariraW
M11 ix• limited to no Ilion: titan the value of any l adirtla part or pars%
link", tit! arikiesare torntlhkfrdividnaliparilexixiihe replwed
!nt iiidualhr, regandkti of any axial Ialm the aside(s) rn:n hale had
a3 ;ran Ui :I ;Yi (A oalkllFxr;
• penaJ)(9n1 household and'o busftd'S5 fixito , rnx'hnding. but fail limikd
to. rigxgill& faxing olwor ilk:
• ham(ssfro ax f(xiuimt„bntnol]fit dleIlo.air(nrJaixxs
ririger?ktK licalus
• clnirmn ixAphal. nxdu (n xl fknal trpnipnxnl and (k aN
• nhre slalrgs or cons
• anikpe.lnvi'xKlrtnrixrlitnms;
• items txln:linexil fox ns:de. pnlcssitawl, ortmnnxmlial ust,
• farms still under tlxtdlnen! hilling (eu',t ! 6w lairdintsoil front
Aao:riru F.rpnss li(ncklivok.' Senills),
• !waoi.isl%dielamulrr.nen-mfl.. air-rift. alxl forkat..%ries or their
Win\ equit n vin. pans or acriw?rkti
• f1a» s mited. kesrior Ixano(rl for wined %vi.401lar Will nsdxxlsil-L
Occurrences Not Covered
• il0.nn l a or mepl:xol
• fim*stoknfronimolortehf(is
• ifeslot mmxtaiis:legnilyderl'a-:teat(for esanglkunl(Aiwifm
11n3tb3fdol Deals stole front public 6dities will to be amacd);
• fknis sheen fnAn haggage rot =rigid br Itand under your personal
atpertiann or tinder the sopmresion of a irahaiing mntpanio: knomi
by lion:
• ik4ris dt:fl rat (arnJ? tl:mtkdt ahcrJtkxn (indtxFng eaing. sewing.
and quilungi:
• ices da rYWA (rte to arimialstar and teat inherent product defLrt (r
n(arnal atim if plea fsl ldt as, but rot hihhifed te(!yell and leollfs kills);
• (1Ymt]xes ca tsed fir am of die blkxring frmid; ahtsr, natural dimou
imiuding, ht Ila limiesl to. ford, eanhquakr bmado or hurirnc;
Pat or!nvilitits (f m , kind (e p,. hiraaknl. ddlirni, hisurrectiNi);
oonfsatim lq'rxaler d am Cr 6mnt dublic atuharity or aisloms
0gidak risfsrif contrabatxk tlkyol win* or acts: radioaetht
cu ntamirtatk^
• items loaf, damaged. or stolen under the rare and contnd of a third faro
oroirmi0a carder:
• namnfatari(Ts&(eri;
• items at an uvmrpied ctxntnxiion site.
How to File a Claim
Renoith r. in harm pmnipt pnxasvng tf yrax claim, treat ncul in nyxirt
any duff or dinlage irmrdaakdr k"'ing the dale of i e ()ills tiace,
induding for 0%firtnihsad mite the Carl Remm6(r also, you toed w
retain vur rcreips aril tour damaged iaal (if rerpirel) until the claim
pnxzss is cr ntiIII re
1. fah tollline lallu:tan-11'? to nprnt "Irchint (Iwrrvras. Call ollla'l ill
Nrnc: )ixr rrrrd r,Ix!N )»rrr (? rim lr?llxn 311 xlirrn,lii;m !ix' rkfh., o/
{kcrrmrxr.
3. 1'0l may h: a^.lt a Punirsc I^nhhxiiot I ]aim Form which you must
compk9e. front and back, sign, and return to the claims ifflee with the
folkaing rquired d(xatrntnis (keep entails for our awn evens):
• f Anxrk-an Exgamcharge mrip:
• the original itetriised stove rocegt
• the i savaur dedaradon foals fonvurodxT soul of insurance tx
inrkrrniin leg, htuxuwuersa lenles ins rmlee);
• a phntrtgjai dl of and/or repaire_stimale for dx dxnWI item (damage
dams (Auk); and
• fix del and tanbfsm dafms a ncprat regarding the stoles or
twidbFwxl hears rinse Ie filed with fit alit mate audharitp Ixfot•
)nu CAR in file a claim with the I'mchase Pmledinn Man.
Now. fan coral r Ywit hour raanpdcsnldaim jomr ford uncle hnI
(hCUMP116 V11114hl 6041 :-fnen lbedrle ref Qiarrrtgnt• /0 renlrrbr
dw*frrr aiftwgr.
i. Tlepntgtam drdrlistramrwigdt6d 0ledxrtoh:ni.dieifenr(pairal
or npived.4 h R iInlimse tau (rash or cmlit`) ill) to the annitaint
dh:rrgtsl to dx: Cad and rva k) o ad the or*ad ptmilaie Inke. llle
Notel e' I'tattYnii Penn rkxs ruf nhnfAme 65hifping and handing
nixnrts, o inh&ntim.:_winl h or odxx sn FIQ dames
Nwtr. hitlmnmN miff be Im for brrd.,d dnbru' or on wed,
claim'; w)f vdl*oY1&7hsf in A1ltrnrm w m/uiml br Ilk' frames.
4. fxhmrr{echira wumavbe"Iftefbseatl'ntthedmnaRtditernis),
at lax ecpmw. fix 6thertralladw of mwcbin.
Nrite If rrrArnW.. true ime w d in AkrirrrrrWf ilenr urfbrn 30
1k0'S roe AIrridegfnipaei ID ramrri» dig kfOr Crlti'Irr, ..
Important Additional Information for You
11e lienef is prod" iuxler Ile Purchase Prokeetixi Plan atph only,
a, par Onlyytnh have mrv legal or milaitabk tight remedy, or claim to
ittsrtrmfee i oreods and/ordamag:s under or arising fmm the
!'urehasc 1'mArtirxl Man.
:1R reasonable, and pra(ixal stns most !Jr to urh to amt or lessen any
diner f ;anterk tvtrmet in, the htrd;:mse I`dArti n Platt tieing sa0lelt or
danxtp,A.
141rn a hmkt has beat iu'.(d unkr file hurhaw Pr erfirm Min, IIk
Insurer bwori s sol" qed. to the ester! of such payment. v) all )our ri)dit5
Jill namyRrs agaist JoF R49413111 111! party U10.111 nor m(px5i, yal rml5t
Inot* iK reas idille xvistanxe, including signing dwatfents if Itera stn:
in hringsuh in ear made.
'11!c Mixttase 11(w.atioi Man is mo&r4 itlen bt .4,N1;1 Assinanx Ctinpam•
(" Ilmsmr 1. Adodniisa m e Of m rAeon I!ax Iklsoxisin. InLs daeume nt
senvs only as a doer4tiol of ooctmw and is nol a iglire or aantrart of
in stu:meK, the would Y rains. anxktionK and o drI51Dn5 of Poliq AX0951
govern de Puad Laic Pmleeflon Mart. The Policy has been issued
to.4merleanFarmsrTramlRelalindSemasC npa(y,Ire.('American
Fapres"), the PMinlwlder This (bcmnx A npbteS Af CXMM pox
!)mAtliinta of (bterage for die Purchase PrtAettixi Man.
Xenmth j Ciao I'mient Tmnlhr Meehan, Scmun
WEAssularaOrInjtamy k*)(Assam feeCAIgrmI
fl7llr')l-0i
! l'rx• Alec d{y(bkrntrl cnnrdktl ar Ar iAmt&r,'?49 A'c^rrrntlc
pry) , Iii mrl0fit tt mWiliml wn also bepintixivrl
lb,r Qit rttkae/rlitvr 0f a.4kmbrrsivp Xnrrmtrlanr'rrm
ryt,Vizn anYWI'rk
1 V13 6'70650 7/19/03 5:02 PM Page 5
:. /'/if!1t:.k'('li,?iOJr`rllrilf9riT,i',YllrlllX' i!f`ti11xN:4'!¢',limrrnS•
IWT jVwn. lx'?r.Jitc lent rtla: ; tirid « l?K r lrx'pn r5 t r 7 dell it nti'it'ctl
,r,go!;blix'rtrlcn./di nu1u:Ikinki-.vhy,flea inA1!mmat)
FoAwo/6,11 co ii ialle.
3.6 &M, n'imbur.,rmcrrl doo nn! ly#I, !n vf.r Ioli Val, mak,11N.
d. Rion !!.vz 'rdi ihlc mid r)nnikrl fi 11x ,l1r:nlrt by, X rant
,nnq ralu /K{tv»r^.71 or crelitil it Al lint
1rrL!r cg1lJx'/xiyinnl pr(i't')iN ac('ltty! lhnitr,? tttk.igNuw r>! rr
MenIlx•m*ip R( ellirt• pr otirlin nrlenlltlNnl (rrY;liatlr ill it) I&
slrkrliDtri':i. e)iilulru,.dr//nil allf/ rinffingI^jtm..
i. !1111N,t'k11711i'We f(A• lixhw ('voirdlerl in llre ikilrhol, lkattltt•
htn(nr?nr.l .1lBiulx'rbp ltr«rort p7ng1771)( ntkn7JY.rxlcry!!llaAi'
:rnl ,wit lx' nikrinitl hr (di;iMr rbn[rncn!rAtYS 1<an?0 hill nn7
1al(xlirfn/xv( r1.I!('0l!licn'!rp Xrvarn!`'1a%7!m,nkitpvrul
crMi,?u«r has' 1NYvi i,mr,t11,I vontdigillk' i iinJnnidx7a
,nl:l•'!7' 7/!!77-?)7rt;,1(i'n1JNi','.
lei.!errs'nine+ rrlydr Inair:' 1 or:;.Va.",IrkI &
hlxir r! ,tide acid wlydlol ill Ilk'
pr7N;l of let+si+;),r'1 r',rira' p1, nirl n?r >ncb /,r. ytrh'rrv(ir 1ai+?; !r
Uf mhoN'o?p X?Yror i% M,mr im nikio/vesr mriifrork 7mfJ lx
wdinlilkYi in aeklNion kl rNifwr ntlrrirrrl rkr11nxrKt dnyurdlYL
xklAr 131,71'F1t•'S lA5>
Description of Coverage
How the Buyers Assurance Plan Kb1its.11 Who 1 a Carl imnivr
dloq , the Entire mst (d a tmi rNl pniuct with ha rot hr Gudk axon'.
the fhvrs A !1r allT flesh will evend the tenths rf filealgial
manu(agwors x;ur:nt rash' at to led sal tint, ewal!n tIe(hralkn of the
Iiiighlal manufactnmr S,rarranl!: aq) to one atillllknad eat W,t aarrunics ill
fiie srah\ or le%dl:o ate eligible in the I; S.
How You Benefit
• I' it,Itours.Acs.mice],fail mirn,rsmanufainrrsnarrmlimlor
an^rt+l pnxhx2a pturhavsl rut ,lillnnrir Canl4annt.:gr In nix
oildith'mal sear
• lt`hcu,a,nran,rlpn0ii(isnr,loofa(tunrsu:uim•rpmmix,Ii(ner's
nYnlCi!kY'I'Irm tak!s iftri.' On. Ito I%" ,cu:ru:rr!'hr1 cruxd Pm: nine
lea, theacalalanu,wIt fi,nyl+In:1(nhrCant kOrraadOS10.1rr•
a:liich(iersksflxrl1-,-x,xt0 i40011Ivr(anlo.kxrNnoov1,r
!xdic yeah for all Wa encei annhiimh.
• Cmviagrtilx,ltitkbilor-uwpmlwrialfonikar.d.'koMlbmage
one not Ire the In sit41k. Pihxirt"I's, (xlginrd,r-arrow Marami ct*1 -
at ro xlr:! ivnl.
• i'orilenr:(imr}gifcillmis:rilhtxC:atLlhennrgrnna6nktntrab,ruill
det,kk wdltilxT ten hair the lien nTrhinJ r r rGl xzd, a a lei rinser eft
leash or cralit), not to extol theohiginar putchasepeke.llle dinners
Wairmm flan tkxs not r6inhurse, Grrshgspi;g:ed lading espensm nr
iltslallinioll. atsnlln$ pr(dC'xNion n advice, mxinxilauxrrditerArice
charges.`
• ';Fheri tit Ixisun:d pmleny eolislsts (f arrlide5 it a pat it ai dis Poiin
shall lx liable air cue item in III le pair ur let AlitE tarn the laser of
claim haainar
• No pnothi t ret;atrllirin enrdhsx'nl is r,Fiird far I'm: oxa J
pnxlugs. itxiuding;ifls ponh(tvil fornilxis.
Who is Covered
Ynn m r rrwow l ronkr ihn 111:ui anil onu;iir r:nxln e1mik;m ng:6
toll !ll1: S. Rt'.si(ktnf far•Inx•mh•r. that is. lx•Airr*11, rkm-% Coil has
her R ,ell k, ton in t1„ Ir minx'. ;!n(I mill Ii idulakl Flee lknmixsii
G(ziik•Ike 011i m lice io I:nitid Stan. of ;nxia-i. tin Iroar r oft dmnhin.
Pitenn Rim in Ile I' S.lirgill Islands
Fnlu I'enlanehlt ItUJA Im isah:ui,k•nvl hair prin)[1114%1t191:!na we
Key Terms to Know
• fkeoelliswill notbe lnlldif,on flic,bcat0)urrmx,at lhedak,of
chumfiling. (rortlm,kter nsm!klbe dannlu)nxnLaiRanxnundin,
on )(ourCAW Axinaitis unpaid fur nworakt falling, rtkdilor nAur
Car Accounl is curxilai.'
• You nuslpnr,kk'pre,f(dp:lrehasc:llkfulsfaraayprn(dlxcow-rzf
icierrrvix xi)ilrroemxLsin (dfztt,qualif)•lealxilehcidlerIh:
Bentr'.s.AnrnlcePlan fictu nilxvtokeep;dlmir.1tnrric'efExpmss
chat",(• rex!q)ti; original slow. nnips. oigiltad m8mfarumi
wornmties, and prdnero mrpcimig M.Yllr.
• 11 vnh: pump:se an a(klid n!al senimanlimi-I ormitlided 1YMramn'0411
a prxluu wihk:h is c,lxnvs: eligible uiul(r the Puicrskaritxe Ilkul,
and lire omilAheil oxviiip: pun kk,l by both the (Affi d mand rinn:rs
srammt) and ilk, pun:haaJ fer,iev tvituaet"not tamdfnr )tam
then fix pnxhet is digihk Inr (:oitrayv aikkr t e INnuiAw!nlxx Plan
Pot RnK'rs hsurukc Plan ;Dill ettnd the warranh•tkrcp(sktl and
:nirn,r anlra)e lei fx: nriginad manlnhrhulrs warnnn Ip tnnu(•
(xktidotul %tr:ltr ixuh the original !mann1`x1uRTj it alfar. and'he
pinchatsJ ieryie, contract tune explmJ IL Iii;,nlx,i i ryhrh c an
Anrnum ! vprz kr, isx I'la:s walla a I urchsr iron 4nitan iixy,lt't<
?ir r-he nilw knaom the buyers A imi xi I 'lain will aftll lxtirm the
slices•pllnsrnifectlFelmconbinxltmer allrigAter(
;raundahclumr s warranty and the puodl;cttl strvx• cratrq tsctiils' five
.cars tl den tie prduq pual:h:asd s Itt cdigihk• ul I,kT dx• Iknrr's
,Lulranx• flan anxl rdl mneclpm algnks.
• If tlx: bur an aulditlonal service mntacl rein caltnilil aaralin, fur a
a,mputer, COngluler component (W pan that alrradi mass chit an
nlginal liJ. nlannfactuhur's warrant'', unk'ti?sdltixelap:•kprociekx!
from, aiiJ administerxi Ir,: the rrfgi:xd matnlfatium mamma notk:r the
Dlier'sknuf ine;,fali(kxsnot;!h)k
Products Not Covered
• prxlagsiduh;nirl.m:cndax'hm•r w;tmm!ksialklindx'I:S..
• at the tilfw4pur=art.imi1,id:udlnhubisixlurnmari1wirrulilcim,,
• ixrxtuca cotnetl to,, an a innJitkx>al sltid xli,n guacrntr.
• nlMorimd It?li:•ks (sr!ch,u rain. tnx•Fs, murnc;ldt[ Gn!ts, aigrlalxs)
and their pa t%, art*ec1 W high risk, m!>dlugihk wear and leer ur
mileaw stipulations (indicting hart=s, c rflum ms- Pipes, hens!,
pistons, brakes, lira nr muffin);
• motorW(leinardditif1,ortsu¢.ikragrindtrrn,lan;kapinp,
te^nddiliol rn tmstmxtia,;
• it to iiJ lkiitcs aril their lams which afe ifna met :xklitirls or
Rsfum,z in a rsid(ndal nr almhncrcial htilthi%
• itsine\z rrxturs. ind!d'nlg but not limikvl to, air
cu :dlteal n.
mhi mkxs.ltnxis
• Ielill or huikling,
• tnntilanxthlelot persilable items
• anitnalsorlnil:gplants..
• ale af-al-klrxlpnklixis which cat it oil hoe ntolaiml:
• ik,rlslninh:Hilt,rn?ak!.,pas,lt?<ilulal,nraxrxrxn•ialut•:
• i!alssilllwxkriltstalfixmhillil!gtrrnlt!!xerp(rchas,.llnun
anuiih-ill I'.l,n[s lkmil:nxlrt• klhikis): ar.;l
• pmaucn s:ith manuhigl!nrn ,carrmiks, (x mt11h!xJ manuf,rfun:r'i
tvarrt,itx<:Ind .cfi'IU Plall :Igni:m(nti.. I:Glilg 1,1 eras: of (lade )ISIA
Occurrences Not Covered
• um ph!sic:l danlatir., inchklingdamag',o a ding nsndl d natural
disa ii(r nr a itowcr iunX. cxgil lolx• Gient lire m:mldailiner
wananN arena danxl;?:
• Clow lrmidL4t'almilby,It ny if the klth4lig. frnxL ablo.; near or
h'stilifl s (f an, kitxl (e.g.. hirmxi. ndlellitm, lrburrniim):
surf is:atkrl hr order 4f ,nun e(nenunent, public autlxvin•, rr nn olmi
iloial: risks of conlrlikuxl; 0-Iz l ,xilnitn (r arts. cidinaAhr
axltatluillalktl;
• nuchani(:hlfailureonurilivulerpr,lluiKraft
• 1110knirrtiimsthat take,Plaexotxskle da•farYer'sAxalrntI'nt
ma..rae! dTm lit !xrkul.
How to file a Claim
Rcmtnaller. l,ki reed to reix)n ans• occonclxt t,ulxrliax:h. i:dituRiv, that
for gifts purhas<Jui!hthe Card RoneinherAmt%milx"Ifu retain,rmr
mteiptc the oripnal mamlalun•6 wan:nlh hod the pn,Iluq n*.,ui,iltg
rIvir tmhl the chill pry -% is othq,kic. Fou :i)ar. also h xlaA it, tllom a
repair 151I111:t`k.•. .
1. ('all eJl-fur !-WI-215-17:4) to 114% rSot slxlydaim (0svlx:1X:dl
ad1(rt:4 ):i(ii2?3-lYvA). .
Note: Pot Itn?d'r1x),Y )rnn•. riot «iR vr.3rtrkna final) C!x'dnle Of
(Xrrnvx^!a(
2. '11x• prhgram abminanatrwill (keille w holler to haw the lion mtxiird
or nyslaad, or to reimburse will (rash or cmJitl up to the my"mu
dharwil to the CarL and no, to exmJ the original purchase price. 'ilk,
it wi; Asaualxe Plan (k es not miinbliw f(r dlgtping and handling
mlietto (r k-bilalifm, assiuhh', of other Airier char>;cs.•
Note dnit i lien! mill Ix' lot, )(k k knnithl &ihin or cktbnr not
srrladdnikrlnI in !!x• in,tit, nr ripelnrl hr 11x' )uamr.
i. 1'1x, mist rMun all rxfutaitdd:nuimittion within fit ekns loon i the
Yale of (kcuretlte to mmakl eligible for tvitr o:
?. Rd soil,: denial, r1l mat Ix• mpuxd to scut in tic dnnalxxl I'mol, to,, at
,roar Milers:, for hlrtlxr (nalimlion of your claim.
Note: lfntprr lend. lwtt mad vial in Artkrntr;rttlim:.,lud «r7hiu
,14 rklii' Imm lJx' date of ntionot A! wairriN (diviNieffir• n'or'm qwv.
Additional Information for You
llichn(fis imnired urdtr ill Btyrrs.Axiiu-jaw Man apph n(dn P, was
:Ind a(kiitinmad (ardnxmhers on lourACatmt (Y)h' Pxl amt INYA• penons
hare erne f(%al or vih)itlble right, mnx(A; ne da im to insumrm pmcuds
aT4-or damages tnxler or ahicing from .lie lhntT'<Assumlxe flan.
Sibitii to the xrrs and cut ARhis Id the flan, if the C'mhrkAw Is
naiftJ that am wan u!ty It* entkil for any rase, (such as halnkmpx.' of
the manufacturer or other resPlts!be• pane), the loser s Asair;!nm Flan will
(v tk,ue to pmside m mw. IAN to exTeed one year fmm file dale the
Carknembor is notified of such an event Tile Cirdmember man be. zU to
pnmxk pmuf in the firm of it )u ilk at!noura'entent or other Illidal
fknlirlU' )alkm
tTx•1NncrsAcxllraixeManisittt eAvritnuIr;.V%iGCAlssurnta•0!or ity
'his ter), Mothriitatixe Office, Gnrn )'as', % irmnsln. TTla,kwnxit
senel Olds as a dm iption of co%er ge aid is net it IYAkv or antra d ed
IIN!rallir the actual temis, (ttl(htk is; and Musllnlsof Iklltn' AM953
("Ikdia print the INnie6 ill sun ilxi` !'Ian fire Policy hen ix ?n iwril to
anxrc:m!-').jw_sTrot-]Rel:atd&,.roim ianlxhm.hn r':inxrican
I,zp n:' 1, 1)e P(dict h,kl r T liis Llorunwol r.;ilk s all r xatirg irtka
IANenplkns rd Coveray for Ili" Inn rs.Acs!rr,.x 19:x1
!u9nxihf.tiak Prsi.lnt Tluxulr•)kzhan.'ssv;•tary
A+IFAAsssuclon-Gxnnany :IkIMAmlra oceCong,anl
6717.11-!!1
1. 111 or thaw td tid* rind einnll(Yl in d r •fllienth q*, Rmit)rL
pnhrtwl.thrmthe(Yastl6lotone rlpnxnniimrPedq)!re
prnxJa.sallikrnrki) mkirl)vnali r!fa lkinfoo,4ill Rer/mrbr p+rnnint
1110ti/xN li'rrti/4ae..
. >nYl / relrr:ben tYner?l alas mx,y y p kr:Ftm loch bindle rawkiit.
?. /iu•(!x>u'rliliFili•rrur!«7!rrd&rlnll(r.llnnGe?aby+Xr??rut(t
l rrrmun. iNnincid rlr maid trdl rxlt miraf/br! orighmil nslr?ed
r ethole of 11x•%xiyuinl /rryxvi, iwolt¢rl /brrnt;'h rttk nl/]J on of er
J10111417*') RMIM6-prrignrm mimr/tw a7gttadr iyi to 6
Jidutllimilc. r:tdnrllrrXsrlip}Morgrnrrlhn7dlinXcyxazsn.
4. IntiN,rlnnl iar for /bra extro&rl in 1& JbtrkryJjip Rminord•
pngmmn::t :4kvnivisrlrp Ht7mnt' pm porrint rerltiml)II t aril ite
arin tn(lr be nrkwned 19- elf able limllimijl xtx Bertefrlr w N nod
1x' prlki rrlxir a Jkm/x7s'hyb lnmvrntrprr rrmr rrtknn/rliou
mr''rpark• bas berii 1nrn.*rrrrf to nrnl-dol* rdin nmiI
nnrl or uwt-(iorftmmlx(.x
i. 14,; nth alrpll, to Aiir )i *.%dr talk x
Description of Coverage
(ear Rental lim and Iklmarlle Ineauance pn iiritsdie Canlrnok1r,, if the
(:Irdlne her a the primary wore (as (efaled beka) with imvtratim
aawgp fur (hmarge in or that of all Rental Arum niien the Car(irlember
uses the f„'!ill (a; (ksaih(J bdoel to menu aril par fM an atnn moral (mn)
any Cnn1mM ia1 Cu Rcihal Company P'Kerrtat Gunpany") [then than
tiun located in Aas!nlia, imlaind, Israel. Itak: Jamaica. and Kew'&ala!d'
Ilia axer w is ahvtns EACLSS ksuramm.
Who is Eligible for Coverage
Fou am eli>,rilfe fir axxia-lge (f.
1. You am a lt%-i . (Ir:4kbtktat Cantlnenibm aid ant American Espre%''
Cant m' (ipfima' Carl ill awhrralirm with that Carl title "Caul-) has
lixil Kauai to Roil in sx ur name,
ti !it are of an auw uu status aidchus that is pomi kJ ( ar Rental it &s
and I):magr lens note h5 a hixiit of Cardinemh(nhip
!rCinfir inher );aid
;. i'rur C.::ni :ratlurt a ladled icon a G.S. (xltrrtirg cenkr in G.S. (kallars.
A PERS!)Nkl. COIJ). Ittvank PhaGr lei Canimtr:nxr wllo n rlrnkJ a; alt
au aJital Run uiu and;ge, r!IthtisfY x grxkraic srh l l in the addled
yaks and a mtitingstrklut hitfilsirrxkkd:s aleixfit rf
Caninkmhership is not eligible fur henefits order this Policy
°('niuml•rcial (ear Rental Cnlllpaly' or '(fir Rental (compare ' nxars any
ammerci;d car railal agency itiiidt nuns Rental Autos' For lm p(rrooses of
this Dew ription of Cmcraw. Commercial Car genial (umpan) nVais
Now to Activate Coverage
CmM4e kr drift 4 or dame e to a Rental Auto is adivakfl wheit file
Canhmmb rr'
1. )struts his or ha eligible Card to the Rental Company to rar%v the
Rental Aux,, by making a m2mation: to by 16cing it hold or deposit at
to tittle the Recital,4to is dr abed out
2. dechnei the full Collsim IlamawWalter orsimilar option (13 W''), or
pays for a partial mlluin(t d mW a-ln+ n6emil III the Rental
C(dlpant-
3 is the primary mica. stiu(3r sddroal as the CodmennhcK win is namexl
(lei the written apWile t with the Renal (ompall' as the person renting
will trkingexxunn aid Ixwiewon of Ilte Rudal Auto I"I'riman Roll r •);
atldl
1 useslxlantif)Im.for the endrra4t,rental front the RsntilGimpam
at to time of idiick, mutm.
C!werai'e cut lmus in df:.ct wink the Can member minahs !n conlml and
Im ssion of the Renal Atm. A l-arrhaicmkF who is physic ally drdil cal
and unable to opeiI dr Ketaid Arno, liken be the Primary Renter if heeds
a lie (Crthr!eiuha entering into the rental transinino.
When Coverage Tens
average for thelt of rat damaW to Or Rental Auto terminate; witch:
• the Rental Company mmill control of Or Renal Auto, or 30
anis(vxtht• days after the Rental Aim wx dxcked out. whkiKWf is
earlier.
• the labile is c ncellel
Length of Coverage
Car Rental Ims and Damage Insurance co(tschidi k Rental Autoswheit
m ltd tuner a nvrhtln radal agreernenl (lien a Rental Company (or no
mum than 3() eorimthr (knit. tNutt:. !r, no air Mill amirtge lx'pnvokkd irlxw Ai' (ankielrrhtr
rrrtyrRlwlr!Arr4awltwd,i(7mnvcnMrrhs, ininL/x`.vnn,Manta!
(b)) !/vo1l: mwre vley Iril*7teor{glturl,gorrririetit isimkn'ktf. or
11111.1 !t•rilhir geniinrid lr etrkitind ink,. or a nerr ttAhlie it rirkd
Arkh!iolalk. !rn grudge wife be pamided whit the Primary Rooter tuns a
Railai,Auto har!rom than 36 euraral a• dais out of a'i5-dav period within
die sa im gt ;Iiie madletlleeatton CN mile radf s).
What is Covered
Car Rental DKs and f)alnag?le Isrsuratin rwrdrursa a (ardmemter for
payments [r damage to or drill d a Renal -Alan that Or Canlhltmber is
required to make, tip to the liewref. l) the actual oast m rtpair the Ronal
:kiln, 21 the whales-k F><dl( iahr minus whraW anal depreciation char, or
3) file puich= imola: pry it the Rental Afro minus sah'age and
depreciation costs. Tux crnrrotip ahe milinh rrsts On Cardmember f(r
reasoiabkf dharixs (Jim &Ag6 in and at die fir see facility that am
• IV13 00650 7/19/03 5:02 PM Page 6
usual and o islnnlar• in the vicinity fn which the fins or dhahlentev funk,
pi ce) fmprnul h, the Rrraal Company: such as klwingor4mage.
tsar Rental Iris :red Daimlgc 0isnrnict covers no other hpt of irm. Por
exampke. iii the e'+a'!rt (Ail cnllsion inlntt ing Ifni Caninleflkefs Rental
tan, da!nage to anc other (!ris'er's cur or the hyur. it amyxx air an!dming
is fol. ml relf.
Note: ibisixrlicl•rhea!rnlhone'irk•liab il!•nivnrl-,vfio'1 iranrnal
1N4w:+slr. Ix'myi?r wrrleraa I, tGirrk x Girnlwistlknr lea'. Us,that -
lieudFis 1,111• or nbicr nffnGrkr((eurrn«xml tfagv.
What EXCESS Coverage Means
C.ar Rental Las.: arnl Damage insoranre is are EX .16 iIw n:nxR pl:nl.'IUs
nlcarnlh:ethis I'YChSSLA rage will nimhum14CCoWnxrnbertu;lfur
lox sir fxrh s not eowewel by 1+111s. still -.is:[ p:hrtiA cli li+ex%d:md:!g
itial'i(rl lll.1 Icrxtal ntiltI it silral?T.trinltltrir<;I:aO i!1}lifalxt'(Ir
I(inibimmltint plan or mere scars of insurance. Vivii Iliew ot!ierplain
alglh; a Cunbixm!x'r rmul On, xeic pen ni lfur refmhnnylle li mid W1111c
a tkieniinati(xh hiewxd (x) thesta!cit terms rd ux'h other lams. That anti sidi
Plans du riot pnrf&r cn+ert,r Ix6re OIL, 1Y.1 sC rcrmra •will rd!Nilirn
tax Carfinvil r.
Vehicles Not Covered
r r Rental "s iq l lYmmge h ismance lin s not crxtr nnla)s elf:
!Vlxnchc "al N.
vuwti terl ml ail prom of Moot) nr nom; When UI(a:
• tMno(swan-,mhoas,.ha-arrafv:rh.x.fndulfiy;Jrurglimitolln.
C,;nc'rnhr ('ra ;ells. Tin nil - uI r . dianl r R\ '. IludIr 1i,ir and Ne hpll
Ph-inathI'nxVkr.?akaad1:rXxmGI.claw3110 ?N u'piarXI<.cunt
\SC.'urm k si. SIX. (nu,a and 1,3e) Collpe'l xif'xvvvrIi le 1014
H3.l ?, and i ri(s, Ca(hllir 111 w8: and all Pr4idle. I rrm.
is nt,i!gliwi. M:*errti. gcton Harlin. Diu\ Itlrslli. \i jar Stich Wirt.
!a r ht/. Ih I (AT:
uck:; p ttw Cams rms.t,r,lntn+am:
• 6alf?vs(±I V;uu, i:xlu?.lirr;, Ina !nn limi!rl hd. I'nrl Fceandi!xorflrii
WZ1;;un, Chev. F:111 rfi' Sfx;rt::l!n. 6111 ! 5;uxlurn and 1611'. lpxl}x. Raul
finsan;f hall\\ai on:
Vti!ides which llair wen etslonli rl (x err{hhr±l fmnn the
!nannfacu!mr', h:dorr spxifirlle.ru eazpt fr:kinrs:tsislan(e
(r ti!xnurl for the phisfcalh ciatkrgel:
• Vthic'ksuxdforhir?(x'arlnllerci:dlxinxs(s:
• mini-V•:uis itself for oulittmle dnI titre,
Note: 'rxs•'n' 1(hill-filled'G1id6nz:flifrrWas) rrvl5 rdurl
yxt7,+ite/srrdl:p;n,rut(''t!•r/F7;r?1Nlr[v,rffi•»rrbxc.i7xiwku:r i»rImJ
linlilPriiD, lAel,£,(hull!?rl;t, 1yrnfUr.45
6%ntnYr:1'flrlIt7rhLaRr(!,.'rl
:yCV7N j?t(i9/. rrl!'tOrtrr'r((r'la4! JYN?C5/Jr$It7v rte nr b;r5'umN im,
sofa
m'iq;x'vacs. which me;!i,;ar;thatar'aii-car id or hairn(ulxui
• ao:rata:x:lturelfor tell fit niun-+L;os.
• linxnhin(s;
dl-ei;.M quo I u!ilin relli:Jt1 i:lrluilfug. !Pit not hotilul kn.
(lu'; mkM6t!r: Snlxrdinn. Tdnk aid i'ukon. Ford rxtxrlftun, ilnadn
:',:rigol!ir.limila Iatxl Crtlxi: l fists f `!i50. kange Meer of full-AA
!ward Broom:
.
• ,)xirt4uili!•• Vciaidtsviun driven `rdGrr4id; •;udl
Note.: t bn;?4fl.vrxi•ir47irY crliidra'. iurlurl irF, lm/ cullhimi ,i ht
1-bid iiljx'nrm hip 6nrncl Uwizikr'. A'riior Prflufimirr. PA lit kwir
1;inner. l,:;orni(ciJ161;e1'ruajbtcrr 3x1/a•?ard l;xkr,rrrcrutall
;rs5c+r drirx n rw /vaei rxrfl+
• yin' rrrul v;ihi:.ks, nutom'da. ndgxxk, mxutioaial ;aini?. I,x;Ror
nm'rxinrl care. ca!nlx•IS. tr.;ilcrs xrd any (xlxreh'rk wiiirit is nd a
Iten:.al Auto.
Losses Not Covered
Car Rrumhl fm :uxl Damage Insturaoki lines net rusrr Irises ants_tl by or
ant! fund Io Ir,•
• nja•ralio;ritithe Rental Aamfit viplxtkmof the Lents alxLxhnditk!m:of
'Ix Rental (omy;anv a,,Malllent (fording hilt out timikd in kris
xarrriev,'alnn: a rc%wn cot i• mmilml to gxrac tr tci rk plWUal o
'wmis d the nrnal :rnxrnd^: n w as fn lrrs,rvsilr.%<r cotrut d do• ni.ckc.
rnu drhing lilt ,rhidr ?xitsitk d the:nmthnri.asl mlt!I !trrixir l:
• k'aVx.I nl lllilll k".4kil lelud s:
. tsr.!s;rtlrhukrlU lhr!i.annurrckit
(a!Rrn;:dC.nnp:nr,'sntxnudn:our
of
:Inirg hiniius,:
• le:15no,d taniap:,
• ilkg;daraivity.sill;isirNesi!irn•tx•Rent:lAllNiw:ts;tgdfor. or
illmh,ed in ilkgal adivih orfeluxn:
• ice-exislingc:nplitions,tlam;neordk'k t.
• :dcoholin'oxicationontile partof tednimwdefirxdin the six, when:
the.Aer hill xxom'J.
• Vsilunl:oilpL!kingaan:dmgniactingmokrtlxinRuenmareifrctdth:R
dn;g i r!nks< trklri :ts pox ilxd (x :dlninistmel In' a llocior):
• warormilfiar:o i•ity;
• r:xliusxtiv'ih:
• anirrzalion by authurih;
• Va'Araodmir.hxiu,!inggrdual:k rinrtion:
• d(Ilea!;('wiixhisdoetitle(irfilxdlofnriing,nxeih:utialorduurkai
1?naktlovm or hilur' unkss such rhmaw reads from a thrf axc!el by
dx":di ,
• failure In return keys to the Rehdal Gxuxury xir i Ole o$iCe isstolcri;
t!1(lt nl'tl:lnriq- to ors fin u l ;e hicks
• Ilrft (? m•(limagt• u) firs (taus nr hkvnuas), to:lam danlaytd M fire,
malicious misdlkd, varxlalisnn. or stelen. tmless the kss Ls coircirknt
with audl fror n file same cause as other loss accred by tie Pct n; and
• off-end t i eratioorn rd!Ix erhkk.
eau Rental Ins alxl i>am:iGc builmnoz (kits 1!d woof alit] lxriefis will not
Ix, Ixikl lies:
• sales xnx related In ,glair of dninages, miko minlMmrs'mcnl of such suits
tax is trollied b% law.
• (himage to any muck ollxr Ilan the Rental A sex
• dallmwIn ;mypnipenrother :hall dx'Rmh) Attio.rroexrs!inyurh; fir
fte b out !rmlatxnll, aR lcixgl Ril)r Rental Auvi:
• live Injury of muyrax or n llung:
• expeoses;tmi nxrk wuiarl or paid for Ix IN. Rental 0tiri p;mi or is
inslum.
• exlxnsS M-trel iiiifC:ilxlilx1IIhvI; pert/ k:ill:iLlio insurer, niplwxr or
!rupinurs fusion: (r : lulofl i'r al drivers fmurr:
• vtclue allied Inv or similar tux, unks fdoilmrso xn! of st et tee s
re(poinxl fit hew:
• lens of in, fas inl xsixi uv the I$nL•d C"llp,nly;
• diminislIntntdV:lot
• anyRcnlalAti!ousrdfahfmornonnxrrtdin uposes; will
• ttpro;iation. ultra; a imbm: smxnt forikprciation is ruNuird hr hrv
Now to File a Claim
A C:irtlo inher must mAdytlr C,Ir Penial ims:nun DanaY(line, Lint
kill-fir, I ,azl.3_i Ir n in he i', 1, In nill l-• i0- Y r '850 fmnl
uaxrl(x nlooms wrrkfurk:niilm %tt tin lr t, s!.a as rt.tvutahl: IMM11le
lulhxviug t his
A rprxx r t .live w ill am v r :' .e tin stio s a Canhtxrnfier inn lmv: soul will
snd the Carthkmhr o claim kirn :+fth iontnictii:s. Compk?c:11x1 siai the
;!rim fnni. Written pooled Iris, vrhkb inchuks die chit" flown and all
ntlx r nr!ox rnu ok ,uoxvln ndo, rltwnl Ixlnvi, ntut, h reins l v I11Iin ft!
d(ra kdlowvirg OIC dale if the darn tga or toil hV. Anxii .m Ispn.,, (ear
Ponied lee} and D.11113gr Claims hnd.l Ar I nikxl FinanCitll :bljlsnng
C.runpa!lj; IN) Itnx 11.1:72"). !.ltrel(1hxl, (t!B) ;'I WI-i";'). if the inixif of fs,
a rJ dlw iknunsaiwiim is tx:t r well within fat dale of lhc:L•ne o bs
0ACf:!,r: mils h:denfed.
Rulufnd (kx.ume+lk6inn mils cixosk! d, btII fs (xt litaital to:
• hr si nod and cwnyiktld daim four;
• art kmixdrgi:drNil;
• a ropy d charge slip far tale rental (d the Rental kilo, Reolal Auto
contract or nrc!lflx germiell receipt rVJury tultal ions charged mid
pail kNwiti an American rxll1m ('anti
• a!olice"Iit:yipicA.):
• phot(:s dt the lhtmaml vehicle. Urvaid:dtk:
• ao>In {teCannernlxrs.aulirximldriwesoremploco's;ul!o
in..lua lr-Or:tra{,Y, ex a notariml filter s!atingon iosimmT:
• a Life ell all daim rkrttnxvts 3iA cox resf"Ar v. pros- ken by' l lx- (an
Rental Chojxnlt;
• a colt of tk• Rental Cunllxnr 2 (Itiliralk) log:
• aoilriddrdrivr''skcasenfille (•strhicallxratxViraulh!rksldrixr:
mile is tie driters lkxna• nlmrfxr )Ioxi,nn tieveinal ;t ileii;"l
• a marit turwdtkalrellalagrekirurn,front:hhiliack.;•ihich(Wunxiis
w7kn tax Rental Auto w:6 docket] ran algi rwied in. and
• infxnla!4omp•tainirgInother mnilal-l•hmtrutttaAtr:lgc(5).
inxndxr cooperation ;with l sues relaort In ilit looms is rep, iud.
Vall required d(xetm(ntaflon is net rexi+cd;Viihfa 180 dais of Ilse date
d loss (except for doetnm ncylkxi which has net kin famished for
masons tr5r4 pl the Canltuenibe(s control), or, rar'r may be (6tax].
How Benefits are Paid
All Car Rental I.os and Damage Insurance p.m tents reirnbtln:thle
under the prtiay are myabie lothe Canhnernkr. tccept that paylnerl
wore be mark'. at tine discretion N the hisur r. Mildly to the Cardraember
alai the Comtmerciil Car Rental Cmnli:iny idxei die Car Rental Cnmlrmy
lies not been rcimhurscd for Ile crnrred tics nr danr gL, or the
I;arlnx•nl?, r has not v lidly asximad h!idmr, av!mns to the
Ren::d Conrxtny or any other para.
Note ik n('i1% rr'il( kart liellaki rl: on lr r dole (4 &,,'. on 11x, rGrle rq'
ctwm r•'lbit{', or on ,x, rkrR' n,!lxoharlurl daimltn'n1rm1. rnr, rrrnruurl
rbre ru.!a:ar Gird: kmmr? iC JYa rbre rr n)i;r linrl i+ trilla1hrl ;
Rights of Recovery
in the (iem of a Inynxrll utxler Ifs Pd&VI the ttrauer is untitled In :!Il the
60% -9 rrenrm that the Canlm ouilxT In whom puoncul wes milk. hat
against amttxr[bat CaNitteln)xr must sign and Atliver to the Insurer
any Ity;al paper relating to that ircover, bnwh3imwelse k uvt7essary to
help the fusttmr exercise taxi e ngh's and do orithln; after loss, to hand (lie
insurer's rights
\i'lh'yl a (:lnlnieliMr or C(xn!rrrciad Car, kurallComfoa , has tice'tl Auld
darnags muki, Pulin' AXfy'Z5, and also rew:e* from ;mother, Late amount
it-am mil flown the tiler shall le lick] by pert Carhrtealb r rn Cti n rknrd
Car Rental Coll I any in tinst lox ire insiver poll rimbitrstrl to elm extent Jf
IM !trans pa nwra,
is it (mx]iikm pilico km to e(xeralre the Carkme then is rlluinxl. ate! has a
dl it,, to fdh angxrak with the inauir fn mn kacsfi alirnns. sal olgation
m:aters or lid prrosdiogt by prowling rafks of am atdl all legal not xs
a!xl ao% xi] all slaknien6. ilxiu(hng Siinn siakitxnts alai tuntdhrning
any ofl-cr ic!lia; atxl rosin xr's to nrama111y :mist in the disipntkni of the
kl!.•d tit" ilt r
Notification of legal Actioe
When a Canlnxrnber is strved with suit mWor sumnoxs popen; relating In
it Car Rental Ras an(! E amaKeclairx Or Canlmcrnber must notify (,a
aoklias slot pMox• nurrlber uuukr't]aYtel Nnta•" sa:liau) arxi prtxi(le
cot1ks (f Ir saft or sumunors papts lo the Car Rental bas and rAniage
(lain Unit within 15 days ofwhm tr Canbmynber Is 5CI1ttt Failure to
nun}dr non' rectft in denial of bared
Additional interrelation fill You
'Ibis crxrrage is unokra'd!rii by A.M .Awana CAlmllany ("Insurer")
through itiUtmuctPolice kv t li (due `pllicl"l isaterl lo•A!orirm fa'pmss
Tri,xd Itehucd Grni(ts (argrtnt: kit and is plrticipaning stdmdiatilis.
aftliatuarxilicorw The hilicytreyhe chatigmlor kmiinak'd.
ifs lkscriigino or t)x rage isin'inato antdmonen. Pkrtie• kap it in a
safe phux•. Altmnugh it tk'uriits lfrpelxst icon (if ihnumnm u ft exsts ;n
die ifnx of oli fog this (locurmtr is not the N&V or mdnkr of imnmtce.
ttd• heoeffts deaA of in this tkxm=M me stlblwC M all (!f the terns,
u)nditiens and exchsiotts of he ptin- bow tr tree U de wrilec lulls
:kx'mnent replaces arm'prior tksailifdCrntir;tfgtlnnkrfilePolicywhich
Illav haw Mai fumistW kl the (wkineintim
Pnsi(ient "ecr(UN
AN!i'XAourann Camilrany WEXAsurarlaCaxmmlly
6,10. 1-) N)T (OIA13)
1. ! nr ulcer, 001k, alidr IMATf nl ;tlemixiAl, lemVInb'. )err
1lerulxixfiy l anink )nkvVian arlifratle k uuot (rxrnr,;rr u
/mxtrktinnh' la Kc+rpti: itrkn rearkrl in nix I hrlrr,l Slracx gf
Inrerin.
3. flhrrr rc:rrl hr (,*Ulnlion alb a 3kfnlxn drip Remarrh rtrMmplkn
rrilliiatle. Ilk lrnticilrr fig Gar Xen&rl6wilkino ant, lbni(erl16
,'Ierl_, ;lirlinmd rnt(LRrafpi'.
1 !1a'rvrlrlernrdatra&tlinrifearabrrefoliltrun!rL,.anaragee•(rl.<ri
rrnlinrla•1 adcrr Ihr ?nrbnerrtlirr {!1 Jmwrnls rr Jfinnbrrsidlr
Nrrrdnr5' nrkanpltarr ariJa'itk'nnrl (3) resew' «.afcmberul+yr
A'rrr«rt$ nxrtmryr(Ir?r nsr?imtrM rr/mlktilxrbn,G Gtrmmrrc6ri (.'Rr
1010Olinlerur hnpor•6m!mmkfrnMuse eirmNelinIh'
,I(evI1*1 p &wnnB:,1 Atfgnix I Rnnnrr$ tarknnldkyn Lwrifi8xrle
norouh•berrrket;Whrr' 0kambmwrkw.Iler &nexnot
ixrlivis firmle itlembersb?Jiti M*rarknVieftagwykrrle, Lars
Lira /hl4rnrl kr nor"ftillill, GmJmemrbe» rnfllor lumn-
GrnbneII&I,
a. (kxsrfYrglnii•(oNeirYrrrkilldrrrsrkuls
Program Descr'gttiotr
Rearm Ih(11tction *is yr,u 1•axrl prxhict sausfaakxl on tiesignal(sf
Items purch:Cad e!nfn'h with au ellillibleAmerican FxprnS C_• Rl ff }rnu it,
w mmm (ksiguateel iiee s wilful 9i des front (ix time of purchase and
the norrllaut wex!'I Like it bxek, ?mn'sicut F.alirss will refund the full
imrehmse pia up In $0 per ana excluding shipping and handling,
arxi Ii p In a inaxiinum of $1,00 annually per Cankn-nlrr Account.
How to File a Return Pratsciiott Request
(hie sou limit xriflelf Hattie mmdunt will not accept the desikrtaitd
item, Lill 14t10. 97-W14 wither yDdan of the purchase dale to notfi' us
of numr Wiest. Q'ilhho 30 it= km the dale d your initial call, we n(wd
in naive the falfxring:
• ikiginal skoa• r4exryt
• kmyicanENposC:WRcordrfetmgp
• lei;' luxe ik+_ra (kxmd a?aoniie by m W pcmc }wr taptat
Or T,nur ngti al has bmm apptord you will be irstnicteJ m send tie
part ILlvrl itern to in within 30das. PY arc kttT a re nrd of )ur shipitng
starr»(rlc as von will reed in prutide paxif of shipping in the feint that
your (k vif?tatol liana arc net ardinl Ymt are mgtnrrsihk• for the shipping
and haudbing dlapsa Gtr the ik", The Refund - up In $3.00 per item and
up ti a maximum of $ i.0oo per Ca ilmetidxr Irr year- will he
r'inhhurad lowu
Limitations
l'urchasra mum be male in the t;ruied.%ks and chard in full on your
Card. A refund will not beprid it on the dale we r'aiVt your Return
Protection ReeprsL or on Ire daeafaptkt-iie payment, atilt amount ml
yyer Card Account s pasttNe foronea mac billing cycle(s) or your Carol
is canaikd. Refuels ave Waited to M per designated item, amt $ 1,000
annually per Caniruanbcn4atalant The fern must be in "like new"
condition (nd visU- used at vowel) and in working order to be eligible. An
item is eligible t R may net he mutned by dine CarLmember to the
nierch it fern which it wwas orilpelallf purchased. Any item pnchasrrl
from a ntcvdiant that ids an abiidxsl reoinnAutsfacko gu m uee
program cinch is greater flan orupal to the terns elf Return 1'r otecliun,
and provis s cmcrage for claim. vA not he Cligibk for a fiction hriection
Willa. Pnxhxt mfales,&rnortla or rmorry recei%W from lialtesi price
cnnimrsrxn lirogramis air he dim from fine original cost of the itun
ILe nmximum art will troouydasaw win not (x(xrd the
nlamdicouer suggesteJoetailprim
?c
I V13 670650 7/19/03 5:02 PM Page 7
sirs nut di x g ,ihic for a mfuf am: anificL:rl litir planRs: o c-r(a
kind ixinx tindudb!I ;or;iqu(s.:oi;.ifd.. and lurs):limited rvlftknl item:
suing caul dhnvile%sate,il(nricommmiableorIxrF(rbicitonnwipe
hillike lilt spas (such ds Iicillime. light totem ram-rtmratgralAe
hAlones): (c:ehr, (i;dl;dmg.ixllnotlimiffi]m110a.s;sm.pn,:kufs
,tunes,nrtals. ndix;Uris):vnk(s:wd.xkl!kxr.dctni,6tull:!c
Ilrx!allinkili rh:lrns, w!"mdim.,Ill'lpllg, ur m[nilxis'-4,): fare and
wdons c+u calf.:d!, n f r i)uilt and refur Mol n('rm. rul m! 5:i4
it_III& (r-lhilar pliers pageri: romitsm di%?; digital tionolis.'s;
udfotalxs:rkkrtalxa,compvlo v&an:firmw;!rv(vrh;nconmfk
gams. i(inhrrkr. cis.); orals: b )" of erns kill!: dx:dth are heart is!!rh
;s NOW prf%uro Iilachilloi alxl dofxtai filuirottil. forind ws'c tlrke c
of :an' kind: mnaximil ichicles Ism Il au cams, mfrs, nxtvircrck'a b its. a•
airpLnxs ) and Ihrir Paris; Lund :old hnddfllgs; fifearar, ammunitkxl;
nc',;oti:fl+e lnslnfinenls (scant :6 proldwov re*m sl3rals and traitkls
cheeks); cash and its cruii:deal; :rill it(rlt, peon llenth affixed w Ixiae,
ell a.:tl!iclcc, etc iaud::u Vra'T+knroltnen. aralanlni.
!f ylnU 1111v any !p levkms rtgarfil ; :i Rctum Prv(ctexl ljorpmat car fix,
He MID Protection pnigrar. p!v;?u call our Ca4itiner`k'nwe Ikparnrnt
al 1-.ti N)-2°? X119
;rrt' ifAlrc? r
111'/fX , s- '1{ MTt ??...
- ?3StM1(SiRAiT? ? t ?,+ ?.
o '
Description of Coverage
Covered Persons: A lx'nrm shall It a thvitfl Fermi ro(kN' llk IiLx!kct
Slaucr Gnu!; I'nl n• tiiru}fR Pets' feel °) alt if.
1. It or,hL is.
;l /or$?oOflrxtccvr:a!.r;,',aR;?fcw:kkf[iklnalCankrxmhrw!fuha;
;pile of fix' folder'-ing .Ids. car file mlicatke flanlxn!:kttannt rifted i!!
nnj(u "Kr,. t+i!h;file+ Cfirfnikxting WK41lg.Aaferbn Fxjx(r
'I7::rl R I n d ? t:i(ts Cunp,m,i 6x. rx it<pari(•hxumg vlhsil'rlr'rs
f Antrica R-1117%`) it his a her n,mr: ilarric-in ! !mss` Rw.!nk
(in\i' f.ad, AJikml'an 1'.::i11L1ti" 1'R((filYl Rnlark (snit! l3ni
Anx:riun !^:pr c Roiy;tnk Gold Cant. American lights' Prtdtrnd
IteaanL•ko,h!Card. AnxN•kaol'.yfr. 'lknhxsyard.4110ran
prc?.' raga lt(d do Card. An k nrul !.rfIrO 101IM1111il, 1401x'1.
Am:•ricrn lixpnra' Crrlil [:ant. Anxrira!! FAIR% 1111(4111(iit
?tana),YN1R'rll o tint (i++Id C: rl Anwrican fq!mi GgNn! Hi
Reh:ne Crodit Cad. l1x Aanrrk;!u f> mss' Csnkn C;+rJ f tlx;):
Arnericm `Rgifesis` Crnh.:n I'xax R C'arcL Yank r,(ILrwaii f:mlil i reel
fron :tnxm(;m Ezpr? Bank fA i!:m'aii GtA,I (:colt r.,n{!mm
Arirricm !'spi'll. B set Rat' Card Btu' lx Pxcnxsn fnxn bilixin
ft,pre ,Btu(-lip'Stu+k-rl"'.I:luefromAnxnranFspn. lhisnss
ilaI,IU1 line..lTxn 01'Fh. lire Snlall B[esi!x^s Kehaxk", fn:smss'Sokt
Cillf front 01+.. '\: Spell linsines Ndwrxk", Anxikin Pslvm'
Blximm Aniat (nxot.?ifiinl from 011F2,: Ttio&P•dl Iklsllm
tC(iwork", Ixisimx s a?r?1!?xr ?ii(r kcrrattd Card .Anteriom alms
BlL"f!lt. s I'lrshas? Aca,tat 6rxn 01'!•:K.'11x•Snrdl r mnrsc N*Iln ..".
BuyersKitiusCard, Continental Onc''asCalm Cadfmnl i!l0ir3111
f,pil t C xp.w1k, Cad fron! NIFN: [lie load IliN!km N('hwrrk"
fist! xlinl; lrginning n•ith Amr:ur nunAtr 31131. AfmiKan I:allns`
lilmim s Casli Redlafe (:urn lion Ui'IiN''llx Stall Melees 6duvk'',
Corliorde (esker Carl fron OPT : 11x' Small Moires Neh,'
I)cltaSkrllik's'Blrsim -%Cr(tliiCardfnnnOI'FN.llx'tipallllusi! ss
Nt?s,lr r AlilxI.aS \+llts Business(:editf.nrltnmin!1A.-1'r
S n+{I I ism ti N(hrfr I y lI r 11;U?liks r'rtalr (irrtl.Ikdla
'iiaAhl? hI mni Card needle m iixl:rtail(xmninakiiras ('3nl
blxn Of IA. 11x! Small Rl c n ss 4ePanrk ('iA l .> xr coca Gsprc,:
Portfolio (Alit Carl. Guld Carcl. (' ,Id Dodder Ski dliis' (.mJit Card.
Grdn tenor Carl; ( iIJ S!U7!k'!!I [art,:!kU?rhi ?;nrr?nl?' Car it
Carl frml.Alrmrirrn l?spnss; I/nrri+is'r(fry Rnrr!af•f>Iniou'C'r+lh
herd fnnn :Airx:rfran I:.prcss; K:!tir,ral diultq,k' Sdtirais Crdi! Card.
Optima' CaldAcplunts. rgltinm' Cash KrxarJs t art. nplima' (k11d
Carcl. (hitima' I'htimml land. (mina` Plainum faslU RcdfaiCrud.
(htinli° Platinum Prc'fe'I'n91 Carl. P isonil Cad, i'(•ror:al Cloice
Cad. Personal Senior (:arcl. Penalal %kknt rant IMaffnrn [ash
Kehaic C,1d,11AIIunn i kila Ski 1,,iks` Ca:Jft Cad Ph tfnum
Slwr•Rite (edit (::fill frlrn Anr(iiam I-Alli .%armill 11nfermlc1kzt
C,roi!t Carl film k-ntmcnn Express. 11w A norir«'n F.spttss"' (kif f ad,
The Fidcih Anleliran Express" (ail, llx Fkk'ih AmmricaIf Fxpcss
Cold Card.
'Ilxifilbxll!Ienlls' i>Iatinu;nCmklGlnlfrvim:tixnran
i;xpn;x<, I>in,': ian!xm ti ;rile i}K 14;ok (tented r'ndit C.vJ (men a'!xricm
!`.yfns<. Bind!amV,r i Sa; i; igs I+ ate ik!si!x'R fm[fil Card fron
Anxnean i?.spnrs.'I'he Vre dirk ai!Kks Carl fnxn kllericm I:spn4s.
I'Ix!.Ssv1o'kitan} nCarliom.tnx!ri nlixims.Bx•Slnrli
BLI.,incss Cad Rom tncrk;ln F;pr-,,v
1) 1 "ir .c'iu,r) in r+;rrrfr, !+. a (i nk err idditi,xlal Grdnxndxr all,
Ilya a R--sank Plns Gold Can] Gxrx:!te ites;ank [lit' G(dd Oinlor
the ex!erxk:fl p.r;itxin x'rvuliLAk nil ill evnin")Cdol Willi ells flat I
hi Anrrion hsllrs's l rm.4 Relate Sm•ir s t orinain Inc. rr it
P-110pating slrhsidhiris ( A!perirdn L'apas-I fn itsnr her nanx: rN
t_ 1or $ir)O (ilk; cry; vnrq(•, a Basic ir'xkttirial Canlnxinitr mho
has if Plabollm Carl', fiilehi%A,ncricm Fy.fc?s PIatnumCant`,
:Purr as Fxpn'ss^ Iny?;a,!m•nl A',an:l),knxin.Atxrxrn! ?latinum (ad,
1Ot),Ut)l1?
3nrrkan ('sprt -IkJsn(s Platinum le'ad' fnxn Opi, '11le Small
Ikishiess NlIft xk". Irn;rs 1113liumil Canl', 'a;x•rh:an Expk-,'i
!'latfnum'rfraadal S:nk s Cad. !AC lix:I'h!linun! ortixr('xl(n(l d
pay mtx!i;t ,'utxuit i(knd in nnlj:ul: teal ai(h ar,;l isu nsl In ;mere ern
AItiefi Tfawl Related San'c{s Cfxnlxuw, Inc or its participating
s,dsidblde, l-:Anxii art I gnSS_I fn his nr it.f n:lltx!(In ;[ Pinfillnlll
C:IrI :4x'r!I IIIT; or
d I'!u ti 1. WO 000a twin qu. ;, Ikai: or Aakbtexurl Car omAlixr :: ho
Irasai:al!UlrenCaaiArfxri;:mExf:nss Iksine?s!knluren:(rnl-.
I'nfm(f!'If\''f!x Snail lksirxs'i::hwxk"ortu'utc,xidp;nnxn!
.kwi urn rAti td in arifulrtkxi m ith awl fss[xd by :ml, rican Estinss
Trim-I Reh xi Sch itt rornlane 6le or its paridp7tting QIl1401:1 K'S
('.Anxsxan Express-) in his of h('r name of a cuituriol Car]
Amnmk or
V.
tlr s}xxl c, Ikxuut c I'aruxr nr (klxi d nl edited orrice ap 23 cA am
digible liem mi &scribed in dal. N. (c), (d) aft :ofd
2. his or her Penina rnl Ri:46wc is in Tile i(i l;nit(d States d AnxrK:l.
I timid f(Columiia. Vnefi , Rico. or I:: S. 4irgei Wands.
Definitions
kirkihf ' 10)(11Cur Used in this Pulin nr;a» all UltXT(cad CM 1 s ille)
c lees !nh!n• and shall akn illellA.(yxs!tm nvdling form a miOap off a
Cannim Canner Colx(w,ma! fn whic'1 file Cared lkle ll is trnrling.
k1di!inn d f lnlnx•mbir ins ! n ;call if dbi.hrd will, l us nxliuxL•fi!
?;neritall ITrssCltl ill u.nylxuOf P!,icC.nloxnllkr6naa!In
xlliolitwytir the ,risl (.IrlnwinimYsAnhm inlvln?'s(mlltofunl
ixri nr l yn s f:mai ch lli nk r, a Ns m xrr,isc slkale l Ily of flie
t nk car v[ rym ns lisied Ixn( irkr r n(rcYl rnr n
I ,.,'.k, nhx1111x1,11 tr n tgdfxllala I t {. I l,u.-rl
)nn to Kml ln'iai)m xrt,ln lay ..n,.,calslit,hasof
Lly riam ! eprzn r.,yrl A n n
C.(nnnxll, tanrcrQnn ; aa^( pros , n arz nxLxr:au!ndu: k nrixr
Than a ItnLll) IKxYnSd Ib Clfn' 1r15a1?4iN1 ll:' Pnlr(: ali(I ak!If:dAl.'tn IM! IrulAfc.
A trip is if " Gneml Tryi" if:
i it is a trip Liken h;' the Gilead PCrvx1 bc9wtrn file point of [kymnnm
and rlx fiord [k'tinadcxl as ihmrn a! Ihv C+xY ad I'emvm's licks or
trrirknitioin Issued by the Cnllimin Cartier Ctxtye' anc•: and
.i tlx•f:0iprrYlPtrIN15!9ldmfamFnfS[Il'I(rlha111Ya((rV.itnxxil;;!rot
Gory;:mere has Ixxil at-ardh cru'Kxl to a Nlenfu: llllerk•an Fx(xcNc
trail Sarinal prior torn bilim.
i)aml"Ic I :inner' nr'1 s i Ilf"In of fix sell nr r ppnsiu' xNxkr svho
nlml: file l,lliming n+luianxnls.
I has sharol a lit-wit^xx' wftli fix' B:uk. n(A(kPltexlal "'.1011x giber flex the
I;il !2 nxxulls and plans In uaifinue duhlgsir.
i is n(A mari,d b am• ollxi l,(i$m irl K not oxlnnitA to a!xttt(T
i U411(N!k P:Inix r,
3 a al Viol III %rar.. 41:
is o(d rdatnl io tx 0 C or.drkifteslA GodrotloN• I> 11I1:1 &l o ran
mrykl irrr marriage: Ix'r state I;m. ;!nd
i Is finandalirinu'nklcilPentanth[Ile KwurkklilimaiCarknenlhr
and!d ement:!ion of mmual firrtfkiwi Aniffor such as twp!es of join(
ho,1r ow)(1-Alip or lease. cmrmn hank acrnmts cralit rank ur
in+esrnlenls cant b: su;fplied
..Injury'. marls bddy injury wf licl:
I a caused lr; an Auddlont which anti while the Caciol Person's
insurium a in force under the Rolicl; cad
I ImIlts in I.na insum;l by die Police. and
3 rn;fles a loss d!te. dimcih and i!xl a xisvls fA all other caux's, to ?txh
axi(kntal bxdilc injury.
"Prnnxnenli(rcfdenc riramthe Cnltredlk-misriftcprimsn(hinting
plum. •alrm Or CUCCad Person lxmlarx nth- raakrs.
Benefit Amounts
Ix nrfii q+'r rrzhiunlxi;lo-yl, lit, fa' pled Alsrar ;rid' rte rive a 1,r
n ail
h-114481/Xr.?KXr Fl>rI,(XYt$Lirk{rxHi(kvA,r,#ugwi
!late ll jA• n(,t:nnri,er ? ,9r rs• (;ird:ktnrnr! tied Ni t14,1,yc' ilx(brurrnn
G.nrkr,innvir-i-m finv.dxll464i,ntI?Y's,19irzi'nirloi;.
(br ered Peralims.-aAi ? fV qi5 lk vo r?x+•r : (rixr!r((;r. # IVII are syifl
runu!'e r+4114,11tJ21 ?n'fd fvf,lxrvrrtx•:frq?i1"N drnti7p?ir liQvltr
Gu,l lr(rfw axle/,u7 Ax! ('r:'6 vnrr krria+Ciar.'rr:r,((?rrc nun ;:xr lut:al
,v: 114• Mitt f.j.Irwr tn,('111X.,U'4ei-nC:l IY!'i!'(inYl J(!Aii:,it
wsiof life SI(e),0(kI $'2i(1,(xx)
1lisln{xnMlnrfrr/
f„ssof li!hhandsor both ktt SlCOA0 $250 OXf
Ism of sic hand all one food $ (II),0 n $2irxx)
1M(( I tire sgltOftxldne;k'i $1(X)0()) $250,IxXl
biss of grim sglt d one Cie
and title hand rv iirfrnt $1(10.0(x) $25(),lxX)
iA& of one hand nr the foot $itl.(xx) 3125„0110
trees d eillre sight of err r: 3?O.01 3] 211,(xx)
(msIII life S:yn0,0xxl il.i(xl,txe)
1).hl,?rmlxxnrnlt
Imsnflxall hax$fir inlhfeel ii(VA) il,i(Io,IXx1
fmsid aft hand and me knit 3iRVIII(I )f Nx1,n(xl
lrmstAentfmsgill(4hiahmS Sgn,(xx) 1!:;igl.0f10
;,hi (( ell!ni lion (4,N w Ln"
anllmw hardOruneIin( $%x).(xx) al,irxwlxh
iini((rxtell:ndorrxx'forlt Mi.iM $7,30.1 x)
I?:>cir(ei,!fmSIthI4mcwt S2%,MI $- 0JIM
'I;l.-c' as uSd obis with re(ervtxx b hold or fall nneart; conplMe
and pcmlarmnl severance through or aline the %Tisl or ankle joint
and as nxd with mknixr to eye lrnnns the inecm'erable lose of the
(nlia'sitidlt rAsuch qv.
$100-OW - 5259000 - 31sw 1100 - S7,50(),01110
Maximum Indemnity per Covered Person
In no dent will nrul ilk Arnerican Fxprevx G ids oblipx Ill' f2mnlan' to
par for lttnm Otani ox k,.s s stsincd by am on individual Cmrml Pcrsun
:is a rsufl of an% one Amilleru. Tlx: Orlinp xn} Is obligation under die Pfilq
will be del rnithiA aoxmfing to fix NOW artxtunt parable under fix:
gxcd'tc.Mlai :tin Egttess Cad att. ,Ili fail In dlamge the Common clarity
Conm a ce fan: for duo Nand Trill as sfakd in the Bgkfa Anrxu)S
In no avni mill a loss from all Intury wirfle coverage is Ili farce order,
the Policy ACO938 obligate the Comintry to par bellefits order Policy
009, she Gxnpatry`s fklsitns Trail Accident Insurance Fodke, in
adflitian to any btax0s payabk: Ix the Company udder the Policy
:oiy'i t.'Ifie Amvrfcan t tlinss tads listed urlcr this I'dic do not
recent stn Cage order xr A."g.
Acciderdal Death and Dismemberment Benefit
Ile, Cottrany' will pas Ik 3ppfkybleiaxfa amount as ditto mod f llm
tlx' Tdlk• r( Iamxs it a (:eland Perion stdkrs a trig form an Injtxy mfiile
anerlgc is in frrm order the Po ict:IMA ortk t such item aernn aiddn Ito
d;ns after t!le date of (lit AocKk'nt liIii tlmad tlx, Injury roxfits wit he
pall ka• file ga:rut lim In frit•tvid wtl fir[:rmn,anc p n faire dill
oneI.fss st0'AKA by the 1-'0111W'.N-lxrxn 11111 le nuifl Of am M.W"A tint.
Description of Benefeb
Gmimon Carr ter neferfit 1116 tienefit m pal-able t elk CArilmd Rrsal
'031:1111s inf!nt:nan511114:81k iderif:rhici anr;%xinkriding stft':a
a i cmt rim in. err Ixnding, rr afOAiS -T from (r iving anttii hi a c,mmrxn
Cartier l.rxnt;arxl• used on a (:stud hip
Exposure and Disappearance
If Ilfe (mead P[T31n is unavid tbly exposed to ilk' (den)ts became of all
Adokat an a Gxtrili'Gipwhich imbs In die disappr.Uance, corking or
wnckillg (1f flit' f amllul Carrier Gmaseroa1R, atxl if as:n react dslJCh
cx{xsum,fix Caxliellk(sof cisafaafxwhielbeileOKareddxrwxr
pay261e order the Prom'. Rd fosswiill It cacird under die P?fA??ir:
`
If fixGnvm1PeeldisipliensbecoveofaftAcckkm ona(i e[ dTrip
dikinresults fntlx&,ififearim,ska tg(xwicddngofdxCtxmnan
Cam r•(mt%-jni, attd 9 the Cmend. P usai s body has no Ixn kxad
it IMI ;2 mks afar tlx filter of sadr kcident, it will be pnstilml subject
In their being no rrdence b ifxeedram. Ilia! fir (jf&md I Mi, Rdkd
Iris of Iik:cs a remth if 'etl(urn mnmf !w• fir I ijiq
Coverage Requirements
A Conen"l I'tiotan will he iffy ieu!xed role licnef!u firkr the P(Ain while
Lakin; a try let a G anion i:rnfcr Caants?r a rlh' weld tlx Gm lets barn
dall''edfitthesfxnkAmemainFsm-%Card hligilill!lyIfir ~,W, will
remain in L*d as kxlg as thedefinifloo of a Coterd Person is nl[i.
Premiums
'11s l ainfrn for this c[wxrrge is W. bk br Arrictican F.Illim
Exclusions
'Ella Policy tlx'; nrx eater any Imscruad or contributed to by (1)
inkIIIii0ailgSelf-infGe[dk*n-cideor any Moir fixackwMksare,
f2) warm any ad of war whether dectaad or urkdatak honvm ate act
mmmimd by an agent of am gaunnrerik fxirv or fadbn enrpgYf in war,
h(Nihifrs, or MlxTwadll enperaRalspxisi1drxl such spirt is actine, me nA,
std not in Connection mill any ap[ratfan ,! anal firm (wfpAlxr mititM,
finial nr air tow(s) in the marry "me die Injury nadirs shall not he
d(xnncd an ad of war, (3) injury to which a cmtildni m, cattle was the
Mission rior attrw in eri mlt an ilmd act ffl' of err beha0d the
(:rntsal l4isun fx hiNtrr beneGctafct t4) bijury nucchrdwliik ?rrui a<s
an rjacclifx• fr crew manor of a?1.4 Ncn?Uvts:ma; (5) Injury' =611 V-Nil'
vdlidc:
of !ill sick+i('ss, plmicd (r petal ftrfinih, prcgnanq', a?t' tun' nxciical or
ulig al !m dnrnt fnrsaxtt conditions. urdcs in:dnxnl,x life cardition is
nlitan d as the direct nsirh of a Cx,yaed Injirn:
Beneficiary
A Basic Canlnx:n ber may "prik a hrnefs-fan or diani a pmioaA
de ip!aied brdi!ian• to! i nscS?!rc'"mid hisJlxr spoisrJtAxnenk
i'arrxer and (Jernnl rt cinkli tl who are rid also Basic or Arlditfaat
Canlnxnrbers An Ad6lKlrhal Qvilmember may desiplate a Inxreiary fix
hitmelGtxiself and11 11erspxsr/UanicsrirPanixrerr1dcln)dtrft
ehikLvn who me nor also Base a!fdilliU ral Cadnnetnntnrs M
sirousewDonrstc• Partners or dependerd diddrtn of Bask• Cardineinbere, No
ptrsixis tidier Bran tlmse siaW above mar denigrate or change a praiotuk
tlsipnatud berefidarx Forst`O'.?d's,iu?igrm?xian or longs to txville el ictihe
a wrifkn rt'yu'sf. on if fern W sf b the Company; must be fikd with
4lxran Express. Such desigrarion or change shall take eOaa as of the
date it m;es sip,ed by thedspsArirpro"A that It hats been axehld icy
Anacrian Expos Ixn am I1a meat of paireedc naafis in' IT Company
prig to rlxrgr of stxfi d9grn:triortdrdtange slla0 fi.rlk daclarge die
(deer lin• to ih: vxtc'n1 Uf Sdn p:.'trrrml.
Claims
Niafcc dchim rest ho pan 4iFi Amtniirr r:mhpant ('L•ullu
'kinf listntilt Office, Rl Ifrx tyflffk Grerri flay.. WI 4430?-91118 wififn X
(Pars after the n ctive ce er mnimence xm of any Inns crarnd by file
Policy. or as salt theredter as is main aMr-pfnable. Notice ghat by or on
behalf of fix calnarx in the foeapanr at is Adninistrlahie (Sce, or t) any
autlot•md agent of OrcContra; elk irdomlatfan sufficient bidetatyfix
Conned Resin shall be deemed raida In the company
v13 70650 8/29/03 7:52 AM Page 8
payment of Claims
f limOltc far U>;'s of 1.de 4:1 O"mr- l Pcrrm will ix, pawl to tim:ksilma'ed
holeficiml BUI&IN for all other Ir.6ses stntaimtil bt Cmtru114ru1 Will be
nakl to the CortnJ 11=711, if King, rxllcnttse 61 Ilie lksig mkdhaxfiewy
ifnmmthan rumhuxfrrimistks;,mitvlwxithetxslcfiriuic m1mhe
imlcitstc art nrx specified. the "l l hemiic!arics shrill simm squalls. If
nn lmleficiure has lxcnl lksignilted. or if the dMixnIH h:liefidan•dlxs ixu
stIrvi-x the Qnovil Awn. the helx'IiLc will bl paid to Ilx• first wnh?mg,
cUt of the follwitm If spun nr i'miestic 1'aN1.r. 'k dlikhen.equAt•
!xr Arpo.::ux1 31 the r5tatc
n &tennnlin, such petal or fersrms. be t:rmlpvit mar iviy ulm on
Ifidmit !;t s nuanlx; rd anv r f dm e!:1n?s i pndcnvta' ixhxfiduhs
iksrril-iI:flu: Viitmenth:pail!gxmanfAirhaffxhnilshallfdi;d .mriv
the C.nnm:un Inun all rhlitgrtions wxkr Ihc• lidir: unkU, I,drxcak^Ir
n:nnu'nt i. m:uk.'. tlx tinnpunr L';is ntehtsl at its Vinrh16lnthc illfxs
i, rigcn oolo• ll a ndsl claim by' ax!x• ntI ^r f+n:nfsl. •? n anxunu p,tpdtle
to a nrrur 111'r he paid In tlu milurr" Ic al Xuadmil.
Time Limit on Actions
No actim I' liiw ur in rp;itt shall be brought to rrrom ililkrtir. Po iv
: fler Vic mpii;.tiunsof Ihnt ;earn,11its\c•:.a far CQ1111uim; Cud.Anr:?^k:1n
G::pirn Buairassl:enturion C;xd"' fmm ?l!'F.k 1":r amall latsirx?s
Ren.ork°'', after the time xritt<n pnx><of I«s is rr;uirrJ to h' funrishl:+l.
The kxnncfiis kscr!bcrl hcndn arr sul•jr f; U1 Al l f t!vl antic alxl boil' of Ole Pohq. I his Dewrindon of I. rownwu n•n':;lre ally gior
I s,::rption of r f;rear;( t:!rich m:rr hate kxrl fumislml in ummction
m-ilh ?.11e Prdicv.
Kctlnli I Cub. ;inu tht s. Mull
i'n5irlera Sc mlin
h713.11-01.o IM
Notice to Florida Residen<< OnIr'1?x• twelits cd the IWn
nmcidim;tourCMer.!H:artI~r,en dprim,lohbr;heIsmsIdaaatendxr
lhau Igorx!:r.
1. j. (4,"m nweling mus lk,xrir x'xin of U,migw...taw mr.67enturr'r
nrSdbcnq#11ard,,faxcrr{genjyA,,G,IvH1r;UrndmnF.'q m6firrl,
Jdlraa•conlad (.'mAmw&irl(rlXAlwio/Gfitr•rurmlrrrita'erl(ur
A, trick ,q)rrra Gall, ab7 Abmm m t Rit;, C,oid lr immil.
C 22083 Afflemin Faprm
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Edward L Schorpp
Solicitor
V6~tigl9 p~ 4ttltt~lf'hf~~~
~,
;a, ~ >t~.
pF>=1GE :~~ TrG f~ERIfF
2010 MAR -4 PM 1 ~ 36
t''~NPdS`~~V~~A
American Express FSB Case Number
vs.
Eva Copeland 2010-1396
SHERIFF'S RETURN OF SERVICE
03/01/2010 02:41 PM -Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on March 1,
2010 at 1440 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Eva Copeland, by making known unto herself personally, at 162 W. Lowther Street,
Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to her
personally the said true and correct copy of the same.
SHERIFF COST: $33.40
March 02, 2010
TI CK, DEPUTY
SO ANSWERS,
--_....
RON R ANDERSON, SHERIFF
~,c? Car~tySuite S't?eri$ Teleosoft. Inc.
OF cu
David 1n. Buell ZA le
�'�Q Renee X Simpson
Prothonotary 1st Deputy Prothonotary
O 9!!ry 4.._ Z
v .f , v
�irkS.
Sofionage,
nag e, Q Irene E. Morrow
Solicitor 1750 2nd Deputy !Prothonotary
Office of the Prothonotary
Cumberland County, Pennsylvania
yon —L3 9(p CIVIL TERM
ORDER OF TERMINATION OF COURT CASES
AND NOW THIS 29TH DAY OF OCTOBER, 2013,AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE-THE ABOVE
CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH
PA R.C.P.230.2.
BY THE COURT,
DAVID D. BUELL
PROTHONOTARY
One Courthouse Square • Suite 100 • Carlisle, PA. 17013 • (71 7)240-6195 • Fax(717)240-6573