Loading...
HomeMy WebLinkAbout10-5767IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS World Financial Center 200 Vassey St. New York, NY 10285 : CIVIL ACTION Plaintiff : vs. SHANE DOUGHTY 31 HIGH ST BOILING SPRGS PA 17007 Cl?h "_,, COUNTY j&LVANiA NO: t © -5'17&7 CivilTem 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 0a. 00 PO ATN Cx log9ln 2V a4*700 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS World Financial Center CIVIL ACTION 200 Vassey St. New York, NY 10285 vs. SHANE DOUGHTY 31 HIGH ST BOILING SPRGS PA 17007 Plaintiff NO: Defendant COMPLAINT Plaintiff, AMERICAN EXPRESS, by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, AMERICAN EXPRESS , (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 SHANE DOUGHTY (hereinafter "Defendant") is an adult individual residing at 31 HIGH ST BOILING SPRGS PA 17007. 3. At all relevant times herein, Plaintiff was engaged in the business of extending credit to potential clients. 4. Defendant applied for and received a credit card issued by Plaintiff with the account number 377261317472002. 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, 377261317472002, 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 Defendant last made payment on July 28, 2009. 10. The total amount due and owing the Plaintiff, is $13,131.92. 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 $13,131.92 plus costs of suit and any other relief as the Court deems just and appropriate. UWin N Abrahamsen & A soc. ire Michael F. Ratchford, EsIm Heather K. Woodruff, ire Attorney I.D. Nos.: 8607805 120 North Keyser AveScranton, PA 18504 mratchford@eaa-laws hoodruff@ eaa-law.com VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff,AMERICAN EXPRESS CENTURION BANK, am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. v13 670650 7/19/03 5:02 PM Page 1 Welcome to American Express Cardmombership 117M1 ilex mhLT1,:ux) the :xtx mpam irgayuhkrmu(sh ct Mitut ytntr .A?mshxnt I'kas• owl a,xl leap this A};rwrx+n. alark• M• is umx 1CIw, too k(rp, sign rx isr Orr farcl iwxd to jot I ittchding lull rrTernl rM rridxrttent (?rckt, m iai tLY to aLmnt ,saciaicd kith this knvrnunt (your `.Att1 tnhl"h, cxh agree v) Inc- 1cm)s rd this Agm- mil. Tlm,uxik }nu;' "sour` grid )airs' mrrm the gawk wie Igoli(d fir the Aaxxhnt alxl the pemn to uitom we akk6s billing silikel ohs. as well :K any lim,"m wiw rrrpai to be Ila* a: tlx: Atmtxn. Tle ,Basic Cardnaank*' is the pasiAi wiho oprled Ole AcrnunL At )nlT 119M wv may ado hrtm a Cord on )an Acmuiit to anoder prsou (an "Additional Cirdnmilibi "I. The term "Gel" ricas to the Anxsic n f t xm' Card KqW to )na, all (Alter C:mk isstW on jourknxmt. ail an'other dniec (such as.A=1111 nund»,rs)w0hv:hichvrmm:naacLSwurActrstnl..lt;;' YUr aid'lfs• mftr to Anxairan FapLSS QTlurkxt Bank, itx• looter d you Aarnnd. Using the Card Yon men an' tle (:ail tie,tnair: $i?:l :Inl k l aa3 fnnhi an" pa9n1 w4 h) aarlos, it c Good, TruLs diems trxn male In rl'Slx,ise. sn jx?xntkxial rATr9 Iran us wili lx:.r ibwri rn tM: lcmw to tm pnxhatsni ail this:tsntxi>"nt all :utxouds chagg,l lei unn'.krbuni. itxi;xlirigdrau>,ts lnr jxireii:cc?.::nnu:d hh,W. if an:. lim atArtints Ito urnuarl 111• im of to lard. (Aber I(os and ;!n: I`inama• Qrarxs.:ur "tThar •e" Son agree IVA M k9 arr. Itirs•xh curer Card exapi a CTfinxrnlxtr s.h(ca manor is rut it Soh :tgnw to no in it, if Ow Con! is kn1 or wdm, or rah f a islxY7 that it L5 Ming uxll willtaii tcrur Ni ni+xim. rrah agar it, y,1 C tlx•."mill on h fix pnidi:s(s that am l:ndul a(hd am Fsnnitcd urxkr tlhis Agai'(^.iefit t:aia)t as uthia,tisr nrpuiml Ix a;T,lic W Lev, wr will hit he resl»itdhle if am nlerrham n'iteos to IvrtltT Ox: Card ur for am other pobk:n) ,ni may hair with a ha wham T)m fail has no, fat m Vstding limit. Each (Znara- is (anllamf ht light If +ourgxTdingand payruntpatients (Intrxirkaninl-old onlyata R% not ma) ]law uilh is aix) our afnliats, your mint hisiom including La;x,iena: with other m,(it)n. aid tour pcivinai nsancts Kiuen lots. Rib reserve the right to don any n1j" &x authoxirht(ah k,r rt diatom Be mow al,) n,pust aWitacd i4larvatiil fnxn ,IAI at -oily little We mm: imus ton vem"al anplamilent Canis hiar .1 nntdto. Lsand fact t?piihs thou or an kklinion:d f it llmllkn :1111110xin a third p imy W till (lungs -I I tilt it mooting limmi; xr :rxu.k)xxmt ("Ra3irring Thar, •(s)"). we may 1 lit 41R mA alpimf trd pwritk axii third jnri, will, xnlr chmrht Arxrnmi A.xta. fail nuniltr:nrrVa; Lttratinth date W (rmnil 11=t tilircl part' in a,n6nu i,iilingyuunkcxt(m \Ccin:rytak(•sr.chst(psc:vn0)v(rrurrnmt marurr drmpies or if m. isar a m ra-al ur re;taoxnmil Carol to last or an .kkliti+trd fanhrx m4r Tu witlxb?aw auth:,dnlitnn 1,r a Roaming(atars:, ),A, rims hxtifh ibc Ihinl part) Promise to Pay )7xn promise to pa all Charg(s. Including Clharps inair(d b% kkniknell Canlinemlxrc. on vnur Account. A* promise rndtxks any t:itar a br %olikh ,no or all kklitknial Canhnxmlier Indicated an inert in inem thin fharve, even if wit or the Adclrtk nal Cardarmber have rm; sig(xd a cha%- flxns or ImL•sohkd Ore CanL )rxa also pnurnisr to flay am tlarge incemil Ire ahnoie that rot or ar ki,nioill GanbnmtxY le, use the Card, even thofigh ylxl hate agn e d not nib let anyar else IN Ile Cad Status of and Responsibility for Additional Cardmembers kkhitinn=l Carcimemlxrs do not h;nr a comets xith hrs. hLard, tlx•r are auriuorirrd oar.' rn mar 4iunt, and the Cards issued in thenh riiag he canTIld by into or y,tsat any blow )'oil mull a)dfy ism rnnlic an kkliliahal (Iardn>LmMr's pramissiot to use voij hcranl You are r(sPhndlk under this Anremt(ai for all lisp of yaT:lmilinl by Ile idditiahel fardnembers. will It, antmx• else )nn o :m s )ditiatal Gialtimobvi kis sea Ile Cant :led the Charges thin rite ttill be hillrl to ."Al. )ll)It le c Ills rtsjnnsiMlil) earn it nit did roes inl(rd l or in Additional Cadnhetnler, tor mOxr ix•Mm. to ill IL•r Carl fur an,• trans:xii(rs. Ali dothfinnaf Catdmealm is not liable fill C iorgw imumal lit. the B;nic Cardn volOwr or Ira (tho' A(klttinnal 0ahdnx h0lrrs. f Irnvcinr. it rxh tae Ii till! (lition:d ford sib incur Uuargm. life kWitional CarillmOxr indicates his or her agument to In, is ile Ilx- dlarp• if you fail in or nfise k, Inv it, ad we may; at our disoifitttl, purse: Addititmal Cardnentmrs fur pa)^txsit a(Cbar;a thty roar or autluhrue. )bit authoriv its to pettily Account imFomnathm to A(kfitional ('(clambers and to dismiss the kxmunt with Omni. Rm agna: too fmtih• each.kklitimal Cardmemt a M die date le orshx: lxmdnes an Molitianal fankrxmber, Oul wr in a' rasive, mood =dnanp and ov tnlmh=ikxh ta•)m him fir her in the sine mlainxr we (b with iultnnatkni :tvxA yrnL as dL%xW below in tie W! SI toile liKK Rti. TI{I F:I)I H)teli dIUAI'ITtRItRf: RF•.(.'OIi1UM1(i. and SL?PI•?:SdthfJ CAtilll!ATli Ny se4vxn trii?is AAmtmx,ht. Flexible Payment Features We now ahiv(• %"I Oral we halo Akd or nim add mx• or nxm• serial plaru x) y+.xm 1 xmi that pcnnh )err MLakrxl Icetaad un sarins diarpr dtsi'ma isl lw ib. In llis AgrttnxmL r,xit d ttcst gxei.^.I ; hats is nikd a 'trhWre"'Rust: R a urK. rtxiuk. Ind arc two linhiietl M, Sigth d TcaAf F.%1(1,,W 1'a;mxml g4txt. ik;Sekctu and vemain Ix(nlxxknt7i olle swc nlay make. Tire Sign A TraaL4 F•c2111R pcrmia y,xt. if Ol gilk In eslaxl Imm t h,r aidi!u tickdt cmisr 414) Ik).es. prq=id kxT Irxtag s, might f urgds mail auside tithe CnikJ Wales. and ai, other (hasgs (kstimatcsl M es. to !vxx. thk liasim. j gut are eligi*. yw mob ruler a:kiw die To (4m Rarni agimt aidifx or other trncl rtxbtan merdunt 111,11, Via wish Mirk, u, wrxn riving lwr Aalxnlt mmialx r fa' pamteat at rile tier of rrnrhar, or hollow (xher pmrahirm K'Nsihcd ley us. ficEskrukdppileitgtionjoemttilsyaLadigi)le,tor.:kadjsgitxs fa in eligible fliarga M°advising us one time dial yott wish to der so. if oils Ftabim is atkledlutiwrAmall, an (4 wondigtlte Charpsuill Ie brined under the Eakndod PTRUM11 Oplion FeaUum of Mir RMIAIL rngdte n2urges nxans these individual C1argLs that am at or above the lunar ;vnmtnt Iisckxcd to wu whxsh snit almll in thifc "ire, or any Wier a:inunt rksi;ntakd lx• is The following are evical s of Chan>es Oial am lot eligible doarilm fcpL4 Cash, Atrx•rk-an Ey)ne Tr2gelm tltripxS. Ailed an I'aIvmw' Gift 0eili , rrivikpat Asczts." hi ahra,nc, meal estate anti niM r uanna,7hxs doer-mined he arc 11e Fk•vStial Flat Itints )su, if eligibly ad t pat nrpx 0. n) rstnd junnletd d tlr pn?• si-fill Ixthhba; a a pxtMn sl>?f t)at :qqx .:rs nn air hilllrlg 1ak,rK41L 11e minimton •rnxanl forwhi ih Will ma) C'Mitl .f nhaan of am pnrtkAt of xwr f ill hal:ota Imnrnl Lc (1101 the Bank may charW is eksiv=lirnt of ilcd (Trios am Ag ll lie ter Sign & Twirl .Ac urn andrnr the laierlw tli limt 913n% tinle- kn Charges that am fxA eligible for MR1. &A i,ainxnl, a arc (0--wit" eligible lye:rrtt fur wihidh Vat InL ekdul txt lL ilk,hl payilk IL udn he dote in full tgxn yrxT romp title billing statrnxnl. kktitinnalis; .un dnarpsiieurmdtie aC;mbrxThlerwltoisuaclipbletnrat(xledte ictmrcs win abo k- title bn hill igwn )our teceip of tie billing siak viety Billing StatemetrtslAmount Due you nxLa notify is inxnoBakfy eel one change in to mailing or e-mail xldrescctowiddtwescrdbinbigsrrknxmsrxnxtiasthat. billing statement has Item poll d ('liillingAdinL>s"). If kat wish a Gil ing MdM. d=np• b alo-w MOM Chao one aec(Xuht you "'Illafn with ec. low must will is. )lxa ague drat we arty alsrr ufdadc )nttr Biding hddrm U we rcnave information ihal nnT PJli g Arkbm has d=nxd or is hicormti. RV alpk Mull: tans d kris Agrmixrd that ran. hr st:aa nrwrding to you Trilling Moans. W1 tell we mare htfrnmatt 11 Ollil Vint have chsurpd cur fulbill; AMIpst,Ihtirsansof lies.AtMiale lthatim:(kfrWingfintoSiak•d eau Inning kklrcvewin :ggtc a, Ue sntim h,huim of yav A,rtxnml, tuxitxlif g existing Inlarts I:: c r lulliugst d nxshl ufi idled a Nowittidan,x incl. U vear h ince iixitaks ()tarps itxadrn,l rot airy hs;hm•, x tilininxan luthwari 1)ue.11x• "A:it(nmt line" k the bbUl d fit ail Ciar>'tai jourACxn!n aher item Ili rx atcadaid idh lit ah"m plus (lit Ile 116tinhiun Anxxhi:t Ihx itl sti lxti hobo.) fur xn C=n2cs asa,cixk,f wdth Fratureu, phi (fill am rHrbnn d an pmviasly Nikd Anxxnn Ike 111,11 rennbs mq aid. The :Imaunt ohm k J.re and payable once mot nrehr 11x• billing ShILI uml-Say mr•,? pfi' mere tun Ue Anvunl Ihm, tqh In de fowl balahm on yaar .ACCn:nL ill any tbrae 'ne thnimum knxmt Due for ant- Chailms aswdaxd with FeAlIM13 will Ire mutdaf to de imrest whole dollar if WM than $31, aid is 11!: ;Iulu d: • ll5MIoftecanhinalMove dallRnturmonthe(Insinrgfhle oflIe NllingstamaxaiL • the curmid billedRnaxr Charim w • $'M(txbilemmiliuxdW12 aiianr,.cnumsifitislessthornMi. The Minimum Amount 10e will rot cuitd tile. New Balaria. Payments AR paysixrhs mitabe tat m tic pa) n td arkMss dtrxrn nn tixu billing suti,nLmt and fast inrlhxk Owe rrmilWhcr- coupon firm )oor hiving aatenxatL f'aynxa is die upar ran culls d the tilling our riltirt Tut mael pale is in FS nrncoW. with a sbikde drift nr check dmait all a I S bunk anxl I avabk in I:& d is. or with a nogAiaNc inslnn,xTt ion tok in I'S. dnllars;ud clearable dtnxigh de t: S han'iing systan. o fla ulth an dmiradc pal-menl niethxl dearihM thmuttt tie 1:.+ hankin;; s)stent. )uin Ao=nt ncmnhr mast k bxfudkd al, or with all paniarts If wr dce-rk to awept a p: ivent rr xk in a heign txTnahcy.. yam aitlxhria is to diruye it mnversian nit that's nae Ilk, In Ism mrneri war mnlnace into 1:1S. c umaa . amts a particular rat is rquiral by lair 11MIMMIls codnmdng b the acne relptirenxsh6 that wr muatr Ile later than ter houspecified on yaT bilFmgsLaurrm l.will be cnedikd to your kzralm as of the day neirkil; pajmahs conforming to the aim tequiren" dial err moireaftter the hansfixifiedot Your billn:g satrnx+ttwill becredrWl tnunTAccount mid the lollwingda- I(pannad dos tint smrkxm s) the Requirements stated alwve, cnrhling mar be Ma+al If this liappahs. addilitonal Cleirgs nay he ingxwd. R@ mac at'api late pavnxms, partial patnxrli or arc pavaans marled ¢ Wing p ment ht full or as heing Smilcmxmt d any dispute widhon using nun of mir righh leaner this .Agra moil tor miler the law. Our anvptanir of am snrh pa)mars d(xs an me.11 m: agnr to rhanr..T1116 Agnenent in 2n;, way. You ago that utn=%ince (t sixth rr niaahs will tint (gxram as an nrorl and satisfadinn without au prior ixrxtss wrinen appmrd Suf,, d M n/fNkrdrh Gar. xv'rrt,T alfiti, and elkxnteJm'rnevAamt aafrts tnnr„rg rarlrmvncd rlrr ,ts mi.mur.krrbnnl in ,aryl onkr r more nrrmner rAYmrnrrnar t>r ra bier our.axe rrauwmn, nib T-is a »s- will apply rod aRmtc jsvmxris M Feature hi lawn IasL and (anxmp Fcauxe ttiil myna) test M i raUnm balaxes at burr Mawl Perrntagc Foes F•APWI and 11,x,1 to h0ter APR Feaaxv liabOll s. In most cm, wr win ap)h rovidum crew First to lie baFina from which the comsihovlingdkbhndgitutmd EibwOarx forsrnidng, adminidmtivc, aste swotherbtsamavemn wettnq•:Wh- andallocatepavirentsand atdis amxig I+caaers and to (Tnrga on vats Amxtta in sum tither order or onannerduo we mat' deferrable to an sole disnWM you agree 11131 we lem the ahmriitsaal right to L%adr this deaetat in a wag that Is nest fawmble or mmerlient to ns. Authorization for Sectrotk Debit to Your Checking Account We os= to right in limass dab cliTronic llvby itarmniuingg the amunt of tiro dieck• the viahg numbtx waeli mmrba and dual( semi number to tour Financial irttiadima. By submit ing a died; for pa mmil. ysat atltlxxhc ha in MU* an ekain nic dO (mm whir tank or am vomeina If a Itirm "irfined dearnticday: Hatpaytnrm may be MAW M xnfr hank or asxr amoxad the sane day m nfoi wtcu duck *-, n wY pmctss win dteclo electronically. %m will IVA ruetve• 11=1 ^tndellnl Ifni will wntr hark or asset allatml Mitemenl if we cauxa mtkc't der faxkt eciitwticalk wr Rim Lss e a drab against y,a r hank or M aRauitftrtile mT"ihtt d thedrsd. Finance Charges on Feaumn :t I"vtanivdtarysbeginmactamfureach (]tarWasof the date it I%added o the obilr hafarxe for a FLntue, as dscdbtil below I loom kr dhar„ts tothertrat Rimini thanes) that are AW W) a Warm autilmA ally no rrnarre Opp win =me, in arrr li ingpr W in wihtd) hfm xxai Aanua balaasran dye CkdingTbt' for to prehias . billing pedtd is tan or a credit balance K Fach Future asubprt to tie state Dail, Parodic Rate (DPR"), unless wv nA you otherwise F.xapt a provided below; the DPR forrach Maur LS Gard on an APR wbkh magvax The APR is Or Prbte dam (tkwnlwd below) pbs 9-99"= A))PR is U." of the APR. Your ITRS and.elb appear on the xmrrgahyingsuppkrrcrht(s). Wtiah an APR d)anyys, lie apply it t,or ?a?.sy,?n.y .c?ithtcg hafaom subject n that ram f. 11m"PrinteRam" ist,t.,uidortmwhth regW teach bdbngPmiA oat ap;ifbs in the entireb,.l`i i?r.i1g.period The P)inrm Ram for billing xricds axiing in mug ealnxLar month a the hhftt Pfurm Rae plM:w in the mow Rimssasiu n (orstrawr strtion) of Me Ili Sri WAirnnl at flc la or 2001 day (err in each cm. Rsuch d*- is rant a butiaw day, the treatrwtdnas(fay-a thepriorc*mlarmuncdt if 7kWfAt vrrad lounrof assp bli -dicer or does not prNelt de Prime Ram at nadir of tivisc dbks we now der Inde Prime Ram published in ath other nr•tsrngxro?f psntt?ral dreufatio n in Mw 1'ak, Now York IF we.. eta), sirh4itchr a sraiflar ieferamm rat at our_snale dismt m. 1). The D PR (grid (amtalxnhd'ml' APR) on all Features may exmA to the Default ?Rr?ate R da fine, the Itevinr Period (it tour Act tan is delinquent on the, ClovingUak daily doer billing palait (n) your kawml is ddin0ptert on tr(Usi gD*damtood atun)Ymvbillingperinds, or iili) on Iwo or moveoccaSbra apayrrem su bmilW! all ?your AC?ta?inl Is not Imand on Fiat prcarinvis War Amount will be aonsiiLlvmd &?lit?%w?" 9pa,rwa of trAmount The from it bs'nmgpaiad is not Uedfild to varc Aanmr, by lie Closing Daae of the it Ubilling perirtd ri amtthift appWxMahH one }verb if Te"Ibriew IbW- B rite peod, hve1wmsecdive biting p("adrg with the Closing Mill of Ole ncmmlInlnngperiod,wild rorantwumo!h (IaYaOalx lforcads axishininte paiod.If the DefasNRate isapplied,6will aa? towar Acobnutl floc Miec c>onratlbrbtpeg pnkxk, bcgcxdrgwRlt Lthe Labrrtaht billing raird Tim 1XWt Raewill not apply, to am balance "^- Features link,% it is hirhnx?r thm the rat that wtxnld alxxwise apph to than balarxr T1x Ddardt Rat is a MR d.(657%which rorn:q nrids in an APR of d 91L Average Daily Balance Method for Callcullaiiiiin of Finance Charges RrtoetheAsurge)bill,l_W'xxzmd`to?dtocalniliiermai mUuryssoh trxirArsaxmt Eden this oaedx1(4 we clculgae the rmtanm Charges on your Nmsuil In• algtrhigOx-DPR 0t de-" Daily . fBalnm a? 0asdkscnlmd bdav)-Mier' d.faeachFeahmsubodmadillimwDPR(kxhdrng cement tr madiors) TAFew D MIsamf feappned osiparrle Ileanue balTM Tb?EOr htrage Dally Balarrm faeafiu Fa1u0e wv (1) fake 0hc beginift greelveachday(rnridingmnplidRnoiutm,C,,hagusfrom prcekas bill tg puiods). (2) xHag new tramactilm dcb4t, or fees, (3) sbbira(i am•pavaxrts rxasB-a- t1 nxditda d dca thg ad 1,4) ma??kne am ajili gxLak adbatioenis rar l?H eirv #rldrJnsr rkN q'Poe bite? g /,rrkvL arirlw?rrdidmr(nnnrnrrgrin/cevs/egndMere/+r?r•wrsrkrri ,kalr fivalai 0r m0fd in lm drZff for Ace rattum. This giva na the da0:-hdara• forte Fcntrer brtfta star and the beQlmdnghilonce for that haute for ritenwday.Othis mbarnis negative.it Is crin redbbeace. ten we IoW up AN Um dally balms fur tm Framer for OIL billing period ad timid: toe 1AW by, the nuns ,If days In t elli ft mind This gives is the Aserspe hark Baktixvfor tlrn Feature F,rr an Features tit Arm" rtaik hatanoe for a hating prial win be Lvx,sO(kred b be a" 6 voo paid,bv the Caairgl}ere of the current billing prrkxl, the total )i a na 66r,-- 11 any, sh m on own Iari iohs -,13 670650 7/19/03 5:02 PM Page 2 hillnng slaunxsll if you mullgly dr.Ayeragr Daih Balance for each I'rltUm Il the nnndrr (1f days In the blllin? perhd and i!x-111'R for deal lciiahlrc, file result will 1w the Finante diar)w assessed nu that lvtaire. etrrpt fix v2daiii is cat wl hr rounding the fa al Finale OllrY: fm the hill[Iig, ft ini a ralaiLakvl by adding tine Firarxx Chiry is zsstS? l niall Featuresof Ilw..knx unl7b£rnndlxxln/tnkrrlulimfIAr:Urrekke Pxrlnnrr and Finrnra' LYrrrkw• lynx/L In drrih' moor/nundorg ,mill of 1 Forma' Mix kws We ally ate mathemariad kxmulm wfiidh Produce equit,ieml veruits to colcrilme the A:rtige lklily Balance; Finance Chortle, and relal(d amounts iorwinflc.lt may ntilia cnmpu'ter programs nr other crmnputaliaral mctlxxk that am den- girl to produce nnaOxmatnalh• quh,lent results idiile using (Quit and/or simpler computatkmal steps 111211 are described In this Agmenent .At mu discretion. vve nnay achxk certain calwiris o((kbft trrsodkrts a has from tit cdkd:hdni of h'c daih lalaroa. I'nk%ive reel It) roc a fort date. ee mkt a Chore) to the dally- ltalanx':s HI GUS. For Charp (dlir Ihmi F[ia,xr (llarp) dud arc liall ire a bolaxx arxnrricaRy, wi• mid Ile CItorx in fir,- aplpwgrf:ie daily balance kr' 111 IYaIDm nt (Ii die gar Or (1131"c is rn*xi In fix A1'triil. Ind (Ildrit" that an, ilea irked In a balance auton)alk:ally (e e. it, ngrrrc to a slxiific irawki: ropro). we mW the Irar,,r to t1w a pupxiale dafh haulm kx Or h2narr Ls Ed do dale %w pnxt.i IN! Rklued. Periaik: Fimuxr flmrs;'.r am a tell b rile nn uaiding baldnxc al tit ed of tu• Ibilling,fx4ld 6x uhidi Pina:xt• Ch;lrtiws am r.Ikulakwl. Annual Fees WE, will frill In yioir Account :u; aanltal fix of $;i lur the halve Carl. and Fb0 for in h .?idiknnal Card an mar A(•tnmi 'I'lk ;nniiud fev for e-ch Card is intreas ri by $5 t file Biffiog Acidw d 1hiv liasir Canhln.mber is outside the I nilol Slatty. Late Fees if Hammed of anypnition d llc Anxnmt I rur on a hfUing sinianax is not cndhaI m )our Aorun by lire 1411i (bn after Ole Cl shlgllae n(1he (rat billing perfnd (" Nexl CkxShr D;IV!-). we may ass S a ec d $29 (tons, $ I;). n ;xl litiri, if minixnt of Ux .Anlnu it ihr is nro tnJiltJ hr the kA -ing Kett (:losing fate. ur maiy &wc N, a furdxr et it than same biU'crg penal If the greater d $.it, to 2 9% If die Unount I fox ILia uzs ImOI cnslikd IA' 11121 teat tarrying Ira[c (Iaya $ tit. ff pkimeru d dx• Inal Anntod Ott is net ntvlittJ M akxLSSiie:Kcu dasrsing I?;nns. or mar asks a kc ayaa! let tic Kmoor (J'$311 nr :!ri• of fix Amount I ilk tliaa remains rill cttdtrl Irk eadt snmmiit ntxi t:bning Dar (tort:: $1 i) Other Fees \1 11aay darn the folim ing tics to unu kMil t, white to applicable law. i. Dawmortb l !'orpnrnrAc-\ie ma dart,, a kv.ll S21i'diae xv a!u dxrk, similar h>,stnmxnL (x del lniic payment rxikv Ilnd wt wrow as pamtnt r1 tau Aeiamt is nut iwhmdlJ 14AII ftrn prLSenumn if 2 Carl is patented fn almxiibm with cashing it din df at allAnxric(n r:xpnss Taml Siria• O fire or other a thorn d klcaiot and Or deck is ilex hrxlrod, vet may chop a fir. of $:'(). (Al't will also i,W a(-large to lour Aeinmt in t!t annum Il tit dxrk drat sun nN Ix,ixmtd.) 2 by)i(5 af.4auanterA•-14e ma'dnargc a f x (# S3 6.x rash billii>" Hai d fnr iv{r de a ape d a billing sfaarxrd a nwp(eskrl 14'e trill6M dtarg nL•is kr err r1y nxpxsl fur a c(ghl d mry d tlx• ll0ir:g sialetxens for II le If IM billinit fxrbds Ilmleliaeli• prior lei lid: wriucsl_ 3.. icl raw Rr-ryo swing lit -We. may darn a m-riming fay dd $:5 if lour A°ruw is canceled kx am r as,m mid you rwpxst Histaxannl and rich nsoxsi is lxxxrA. Suspension/Cancellation i addition k, any ralx•r actbru we may lake taxer dia Agnrxltarit. bx• may sigxi ill or ca Eel mor $TDnll.:ah' ri akut. orally rmrnostl d wx11 .kwitun. atAkr wry mal• argxnd or e,und der :atlrnindxmh 4 any kldid,xal udicmtxr in make. r„l urws to ;an Ace(xint. al (ur;lle dis.r.io l at rl tin'. with or witlxiur inns'. wixilxr or (ilk our Arf"Ilk a in lValdi.:nd vviih(xi gi%hgyiu nonce, mbiecl to applitAle law Am'sixh %ihw on our part will Itli ctlxd lour dlfgalxxi to pry all Charges due of ;our Account under rile (errs d finis Ag(esnellf in (46.1t Or little rdslich wad or as sulsquirdly anexk'd ami yon agmc M Pay Ii wdn Clmarges (J*w any such aciiri. %it mxy:dlise dwil Tanis u"w accept Or Card) di;d the C•rrd(s) insd to ton otx/or Addilforud Cadnxenhrs lime been rallied. If we cuxml elm fold or it exp irm, yea mar no loov use t aryl you must (k9my, it or rtaxm it to ITS or: tat m(Plesl, 16 a thfd party if btu want to earth fire Amxrnt cx am Adilftimal Cams, ywri mist ndty ti, :red (W nN tile Card is). !I rr at nr to rei(Lslak^ trxv Axdunt after a eawdladnf. Ole new Agreement we wed nu (a: if redo nA.VW you a newAgree»xett liraAp;rmnxnt.T it may be :im(rdcsll will rneni your reingalel Aaron idler re mhntdlc rrnir Aimunt wc• nil) rehis"at,un• AddiOaal Curds Imled fn muxclkn eft[ yralr Ampm11, aid bill inn file applicable annual lafs) Default We may nxxxkr liar Aoounl In M fn di4antl it any hinny if Inl fail to Pay In alIi :It rinutit %l xsl If is (life, it t you her'h illy &r itmiInst' M i4lif tidn nwdm:r firs Agrwavid. Suhwrt w appllicab lily, ur nom akn tzwskkr lywr Attrnmt in h II( tKnit at ally ifnie if al statmill. nark h)• sin w is in MinLrOnn wide this Rmunt or any ciIl r raaift pn'Kr••m w:s foot or mkJ•slding I mu bnma(it any promise or oblip, line user anv other agrmtmd [hat %lit. map, hate uidn its w with any of our oRfiialm d we naive ird(nnati(xl irdicwfng Lea you am banknir, filed to file hankmpin; tr 2m unable » IT y- debts as dry blow (fox : oxwr reaiv ii(6m[aUri kadmg to ki ootxatxie that lute are (allawix nM cmotitswnhy. In etaluating your creti urrfiIIrim 1011 aqm that wt may re l- ri infonnatirr enuaineti in crn-Burner nyxas. and SIR OtAin in our disueli,xt ut mar eur siidLy dit anrmmt of debt tmt are d:nrinR cnnpamlkpyour no nmeramudxrdimircnditdnaracttralka rtgmlk?idyawrpxrknniuxroldiaAmxun.Rrmaraka lirertern %wount in default in the event 4 your drdh in the Owl of yvxtrdk4iudt, iced gbtw 10 wry Iialit: Lions or laildrOI ,its rlandicdlcla rtmayttpuim} nx+n of^.) a'vrarof:rnnraittiiarxlint, bahma' natrthan fix- total MbrimumAnrtntDne.declare tickntire am nml of what igitiam m us lmnediddy dm and Pat-J k, an/m x+xlwcarodtanAmmon. nnycomponent of%(xit Aa(atnl:udIx any Feature that trot be fife ed in 6112 slim with the Aecrxml Ynu aptr to pay all nstsonabl ,mils, bk?luding rtaaalalle alkwnm' (Le4, flxurnd by us (1 I in connection widi the collection of any amount due of lour :Aununl, wicdltr at not am adntlraimt Irlipikln, or sinflar pxatsdin;s are inflaW: and (2) bi masxrahlg Im,edirw a nitiN:s from oily pros, hinn. fir risk relating to am' ddmih on Iran Amount Transactions Made in Foreign Currencies if you ixur a tlarrg in a i46pi cumrxy, it rill be LWnvedeJ'anto U.& drillanof ifc doe it is prom" Ix isrnau apLm Unks- a Particular ae b r lgllifLJ M' apple rM - Imy; tar 2utxirbe ITS W dance r Lrntcrskxl r k that is aaq+rdlc to Its it that that. I:tam(1tk, file rumt+siur ran, tw: Else km (Itars in a hrvpl cumncr is no grater thus (a) de higlxst 1Ak:usl unim-wi mM )xllishtJ by :a >,rmvmmrtit a;gn(•. rr ill) Ili higher interiank conversion ale bk miffed Ire is from rxGunhan hanki!ig wily. un Ilx• awml5lin din' or Or lw.vvr hiklEnt; (br. in eocb fislana flrna53l by 2% This mrcnilm talc nay ricer Irrxn tdo fn ditct tin eft date to bnnr Clarke. Clinton ronvened hI tae iblid:nic L tsrh a Aidum) VAI Fs flflltrl :.I the rites such Isuddatinxins ise Benefits and Services Sufi ad w nilpliabk law, at h:nr Ilan ri; it to Ail, nxdfh' n &Wally i lodit. s.•mi(x, or Feature gut may =w.r into y*xtr Arnmunt 2! ii r• little and ridioli ! Ixafa: but Kai. Arbitration lhrrpnr This Adnfiradin Pr%W(n !L%bait do dnamtnanm•s:nd piwAuns wxk•r wihirh (aiias (u ief nvEl Ixirmv) may be Arbitrated inska l at litip ram In (porn. troplions. As tail in thisAdiikiion Pir isku. file term * Claim' ftx^as al Jahn. dfsprue (r alt trurt - betww: ttIu and is arising bran nr mating to yixr.Aaount Ilia Agieenxni, fie Eknatm:nic Fur* Trwsftr Se:lens Ag rovint and am, ghat rdattl tr prior agreement than) (n nay have had with or, or fit relationships resulting Irani am of to 11-M aflmftkns f" Aklaenkeii'1. hickd%Ilk• tahdin. teimira iilih' or supra (4 Ibis."In.(iirrf Prodilrl or tlc.Agwxnxnlt. FW pngxiex,if this At ltrii.u i'rtniska. )oaf' and 'Its" oho fndn(ks ata rmilr;(e ply frill Ir whdh rr Imlal(Ilty wri dsidisidiarlmiffiliawkmit' licatatix, prrke rxs. SIkTTS4al. asslyp& any punfiaur of any- amnalti, ail w"?k?"' engltl}ixs, dim:krrs anal mitt arufliKs of oily of Or lnephag, aid yxra penans mfLrrtJ in bdm, in lie dkloridnn of "(]sins: "(.rain" hikes clohns of teeny kind and lanire, bxludhM hill IIN Ibn!W to. iutfal gains, comhrdaims, cross- claims aid tlird•partl' claims and dahrs hasnd opni raitrxt, trxL fraud .and (Ehla• Intentional loi s oliam regulations, erommw) law and quit'. '.Claim'alwaiicluds claims, by or ilaistany third parryisin or tarniingairyproduct,wine orbox*fnmine(iinnridsarry,a runt I hkhdilig ford rid BmtJ In, MR hurrahs, third Parties x416 a nlit life Cant third pries %ho sse. prxide or p2rkgzae f)1 fry-hrosed or Lm bet tit pmpftms, m?urn?l?talt bment ]alias ail rewnds p ri.%rAns, caJit insurance almpanies. ,rmlfa2orsofdallddxirag tenglmtts.directors;rat iybns(rhatbts) U sad ally if. such third party is namal as a mint r xvilh loo or its (rx Bks a Claim with or „usirte vaar or is) in ernxcilun wilb a (,vim-w-riil byymhorus;%dnsltile other. Ticnom"Clain"atobe ghtn ilia h aadest parole meaning that will be elkxud aril inches, by war dt'lanlpk• and willlnw limilainn. auy claim. (kNue Of armnxtrn that .rises from or a4aks 10 (al ale of lit at rkuis canal unkr alw d file .A;rLLTtt(' 4 rx ally balance; al any Sidi w2rionfs. 111) advE,tismuents. pannxafons or meal or nritui stale ma is mlafed to aril' Rldf aeabuntt NKK s orserlots f(Iiarfad tnldlLr amp of the amlwhs or tit trots of inatking. (e) the benefits and scnias (ciatap to Canimera>hash'gf (including ice-IrM rn free benefit laugrum. L%rull1 nt sir rims ad wjnb progra nLit, and (d) your application kr any amount. Vt shall not (dect to fee arbitration under dt Arbitration Prett;loii fir any Claim dint lou pnpedl• file and pumie in a mall chins (nun alyrtr state or inunicgiakn so bang as die ad!n n individual aid pa kling ally in that out iullur/!na rr ,Jr?& ?nam ?l i'nxxtrRns`Set,wimr rlr.ldnrinlrlm10i7 Any Claim shag be nwheJ I, xqw dxi deeti rt tl• leaf Ix its.. by arbitration prusuan w finis Arbitration Proiton and the cr* of m?frduru d eInc national arbftalirn migovi7aiun it) which fire (]aim is luamd in d6t al Inc time die Claim is gist Claims shall be rekmd to either the K:ni Hal Adxtralinr kAum ( %Arr, 0I!`. or the Mcrkmn Ariikition Aisuiat'axI ('.AM 1 as sck'dod by the panty cicahig to the arbiiratbml. If a :ekclkxn by Ili d 01x' of dxsc Cipl tralfms k 11111REM IAC let %1711. 101 shall !am the right within 3t (lays afar Nrl imeitt notice d nur 6milin In 0ecl either of the (Ayr mpiizattas hied In xm, :p xbor do i adminatraw For a tow: d die paoctxl(ins. in file n claim or him (Idler mkxlnadnt linul (list artrpr f atio s. Olnlai them as Warm . • Tlt NAr at P.O. Hun S0141, Atfnnapnprt dill 55e0n, milsir lit wvwaobiuation-(onm.ttan. • JVS al 19V Main Street, Sufe 30(f, fill Anp•I s, Ck 026 papa sa:btcfkr www•1n115:dramL • AAA -a 1145 %1adam )LTnite, New York NY 1001?: wr LrfiL' wnw:2drorg, .Sigyrffroorce(firbd Pjn-IFMBi1RA1TO.NISa109-.NBr'MYPMY BTni RFSPIY.TTO:A CL$JK KT MO 1'OI' M')R WF. WII.L IINTi TIk RIGIrrID UTIGtf ,11iATCIAIMIK170,ITORIL47iAJLRYTRIALON T11AT (,AIM, OR '11) IL4•F 11IF1R CLAIMS K6(1111O P,-CrPT AS )IROk1IN:D l4iR IN TI IF 0EX (W ITM..MRES OF nIF. ii4, JAMS OR :AAA,:'lS APPUC4BIF. flIlF. -'(Mri"1 FT'R't11F.R, YO[! Ml) *V.. tll1. N(yr ItAYIi111F.I,'IGITTOIriRnCIIW.iWARf.PRF:SEM IIVI;C4Mrin'OR SS.AMEMBER OFANYCIASSOFCIA114AN SIIFRTAIKIW,TOANY•ClAIM tiIJyFCf1'OMRtTt(A110N. F?63.7TASSEi'fOR'nf 8fJ.0u;'I1fE AtwIT"Mil'SDECISIoNWIU.DFFINCAND1:1101 G. NOTE TIff 0111FRRIGIITSTIikT1DUORWF.t MIDIt4'F.IF1DUMTT000URT AISO MA5' KOT BF.A6'UTABUi IN ARB n moN, Ratrrdiwar tm ArfiilraA if either pow elects to rtsulte a Claim lit' adlUalion, deal (claim dull be ar alrak day an individual laa5a. There s&rR be )to no or am"- for unit, aMm rb de arWhiral dry a daa nd nn btaroron exam lirtv*#M Mhm bmrrgb/ in a jmrgxmroyl rtpnsanGrMr trq two ore botxrlj'af lle;(errrarrl jxrb(ic, dUv ordine )fxrsoradier arrmrtssrii&*silriaw71Tadakitkr's julin IIY to right Claims IS-110"10 Clam Witivell voa aid is 2101c, and do iftw is audrodty In, in* awards is limited Io iataads to tots and it; akne. Fwtiemac.(:taints M qft by you *fird[e, or by to wind lrm. real nn be jdinifd or ersrllklat+d in arlilmdrnrl with China brought by or agabtA sunnamc salxr dean you. mks agreed to in wrknhg bl• all panics. ,W 41ndimi 1%rduatc:link Arbitration ftiltim is made ptimiam to a nmtxxtkmn insnhbng lotus ate rxlmmndt and shall he finenml IN tine i9rkral Arbitralirt Oct 417S r_ V ins, I- lfk as it are. tie anxen(W (fix: "FAA"i. Ilse ari inal4xh 4MR be ispairml by Or apllie-Ae r(*, except Ihal Ito Ilk esxen cdonisile order line Mi, dhc Arbffa[itma Pmxitixa shalt tamiml 9 t Is inoxtsisknt ivith drappinahk• 6xe. nc whilrattx shall apply applicable sobstantht lair awalstaa wade the h'U and applica lie sa iiii of limitations and shall hunr(•ksims of prhnle pf m Wiytd at lame and, at fit tinxir mspn(st of eider party. shall M M& 2 brkf written explanation dfile bas's fix Or decision. The arbitration proceeding shall III be premed by 2m• Facial orstw ndm of civil "velure or rules of evidena. Fitlrer pate m2t•ssbsnR a wrine t to the 26W= to eyha(d the scrape of d rrim- utter tine q Xdks i* Code. The party slrbmfBfngacn a riE must pmrk(c a cip-in the do party, who may sdpmit 0bfrtiklrs to die rdMfatar uidn a cnpa' d the o bieIalurs faawkilid to Or requesting party: within Rfew (151 4-. of tumbling he mquesing panis naim The granting or denial of such a Iequel-will be in the ere dlistlEetion d die adiiltat(x, who di.•di Ili& die parlirsofh66cr otcakx[ within forerun. 01) days of the obiwing party's snfmieido. The afiRnaw shall tale reasonable sttgts to preserve t!it prii•acy d individuah, and of Inatim maim. fim{grrentiti ntlitawardrendetdhitfireaittatdrnorbeeneredfnany canto hating lurivlidkmi. The atbirsars die *%I will be final and hiding, m1ii fn arty sight of appeal pn*W by the IAA. I kAm%any party can ifpxal that award w a dart athiU9 rrpxald admbdcknd br OEM' arMfatommu omRanisatiaa, afiich shag aoeasir? anew am asprctY d the initial aeon[ 4*ckd in by the lag Pam.llse a!nl caRng ppaaAyshall itm throw (30) &in loan fix rile of (mtrgo of the writes asiirdins kwwd to nalk lira arbitration nryAssmtbn69 it Is ass sift the dght of appeal. IV ipp ll Otani he filed with die arbitsraims 6ryanbaidom in Or fomh Of a good wail The arbitrator orgmtsiti ion Will dnen robe lhhe other tarty dtat the auasd has bean apparlai.'Flbrarbbiatbrs drga(siaation will appoint a tree-adlirabr Paid dim willcaa l u2 an asbtaden pursuant to its Code and issue is dechilin within one bundled aril tmity (12D) days of fire time ddt,apipolant'a utuat notim.Ili- Je blon of the pond shall be 6y' m Iryvoleaidshagbeefoalmdbirdrng. Loadbir, orvfrilrrrlAw1ft manrgr/: e.Am , arbitration hearing that you auad clan I* plate Ili Orkdsat ludici I district of your nsiknce. 1'(w ail! be tispmlNe kv paying war sham if ai of Ore adiirXiat less (irdildng filing. whilinis alive, hrsai+R mid/droll a (test 1m'x'ld'd by ffne Cnilt•, ri the t'atnf that such km ikr note mead die amowri of the filing fees vn wsukl )rare inaamd dUre dodin had been brmug{x in tine stag or 611111 clam dmW to Kee bilUalg;addrvs that u+ndd hat jurisdiction oner Or Chin. 4t• air he respgrailikAxpa.mW Or m ahxkr of ate adltrm an ins. M wxr wiRlet arpasf, at will itidir in glxd faith m:Ekhng a temporally arharra of all ry part d' vow shall, of Or arbitrations acs foram Claim mu inifi* as b iakiivas?we seek adikalkxt Yar will not be 2wal it any arlAm inns iris In eCtess of %w sham if you d6 mil prevat fn any adalrAirn 4th t¢ Lbrrlinaalion: His Arbitsdim PIOriliiai shall sufybe termination of your amens m w it as s0hmlary po n ei of d e Amnmt balancein full b4 yrnk any Itgai pnrx thing M' area (r us booRect a debt rwil by theadttr, air: hankngaty by leet or tis, and am saft:in'ta ofyourAmoulki (.2nd fn do ease of sae, Its krtats loll :gaph• to tie Imysd(am•6t nmhrAtmurd). If am- pxfnftrn d Iha Afhtad(ms NwAi mi'fs dmni dd ire (lid fir wladamable Ilile' am- Principle or potisi au adios or aping it 311211 ni itsalidae the ILntYJblfllg xtfosofthkAdiaa"Pmtisf(mixtxfAgve-miil,(:idtof MIkl shrug to ctdasnafik tegan&asdstudsinaikbry: Waiver Our (alpine to ekcr9ie art of our f"S wider if* Agsmlxea, our dkiay lit mikadng asw dare sights. or,xxvairt'<d air rig!as m an' man'or', shall ilea cnr S,E n w a waiter of sxb rWa on any other ra,sion. Consumer Reports You andinda: is to Rtpxst anxxetT rsaxxYs IrMil ia4 b mztt witalevtr atdt imtsligiliorsat r!•ern ?apmprise. b ihbain and rsddtaunt? arty i*r atknl ut may nttitme from ammakir ttTiOAs and dherrx turn, and to us: such inliormatiat for amt pnryaas, adilCa k)aM able land Ym amfwda us to finniiih Amount 10 ctmtatmerrgoryngap lei,or Mires,abjectto applicablelow If you br4icee ilonmtam ve i om ftrrntshmtahai ymwAmount b acamumcr np oning aMnLN-I; immrnie yaushxrN aeie to Is at Antriam Fxi m96 v13 670650 7/19/03 5:02 PM Page 3 Credit Bureau 1. lit. f'O. Dos ;971,11. L•ntilealale. 31.333'x)-78' I and klentl} the specific infnnnalitm you believe is inamuak•. 1ffi1, Inrb• nitffx'd that infr i lation about ynurkwull that mar hoc :t ngatiie impxi (n your aahl retxod may be sulxni'.taf n a instil relating agwy if lint fail to fulfill the kmisOf VOW cfaditlAdfgalkns. Telephone Monitoring/Recording You agree Ilia! (rain tine to time wt mine monitor atik r lem l *Alone CtI6lefittm )NMI a Aekfitkrrl:ll rar knad rs and Is It, .theme Ile gwdih• of our nsbinxT strum fir 015 "Illimf h; alq licahle law. Use of Card at federal Government Agencies Anteriean Ex;" ha emend inn crn?r" duct enable the Cafd A la• azml kxl %cetow Ilxkral yx 1st mIK'ilt :IPJtxht? nxl rk1!:lltnK9rm a',xk'c1 A- MillC;Irdtralwfiianatcutivnefeilcsl:ddi-hnxatLwixii yuri t'xxar kart }our Cord al an Agt%... strain (har ' infonn;ttNKl IS !maw oil wilrisJ iTt th. Clnogc inlonieniun tnnn C:::d trin sa hole x nun he m ell fur pill a4ing (hare- a,xl Pwa nx ::t . hilling and molltatinn: -(mitts a:xl oral be a gng nut fox rep,ring, float. f5 and :nlrkeiin,atlivilia.Adiflirxlal'id!dlx was' nf(_har;,Tinhunialinllr, .Apncff err' fjohlisilel y,,.rirciicdh in ?!x' tixl!T:d I?, tsar Notices Ant antis: gi'mi b th shall be tlcentd given wiien tk mAlfvl in the I!.S. mail, pnangc prepaid, ndlmiwl to nw at the tai s, f illi!tg Akl t ss slhwn on our rhmb. Changing Ibis Agreement/Assignment of this Agreement We n av den;!; lilt k'mu of or a6i err. &mis to this Apreducnl al any tinie. in x(ordana• will 3m licdile law' the may ,q,ph any champ' i or lum evils In arr. Ilx3rc;biing i,alanrs ten nnrr Alrwunt ;is wrll ac ni finure Irilanxl=-. Pcnew:era:nil.tru:Ji°riKLimp) d,i:Agirentat:nrlIlk, Attonit;I any time uilloul nutier t, trx?. Tuu nla; !o? s II. asit;n.rr ironcbr mur:krrxul or ;ci•; rl(luau : d,li?ti+n>.t unkr llms.1,,:,TSrratE. Assignment of Claims r • t err '~m oult for all or ''? Ih cud .nu dlsyxttr a r'hagti• ail ., w"t.m r y a Iwho ri 91, 1 IR.,nlvd Clims_ a;! alnrn,:n?sah s f ottl uxl "Ten a:e anent tut.dly fk most o) nnuim and imii4ei k, riur ri hb :red aabni l•.xlu in ton claims) that pai havie. h:vt or •na h,m ek ens? any fiend pane nor ,W am:Kne npi31 in the •mrxam wt•,rxliml w nix Ir AxNxint. AIkT r.i make such coin. yo: agree Ihid without our ("eiia Neil: will nix pion le am•: dafm as aiiui ur wimlxmston,a. i'mni such till irkty fur file annum dial ive cTolraxl x, wnu Aroxiot :rod that yxxi will cvg'arak: with is dui d:ti(le to gnat- III ihinl ;lacy fur the anumn! creali"I. Applicable Law 111h A;nx'frient:nd yotr?ccntutt and all qtr stiulh alxxtt II1Lir ky hlit°°, arfurr;it)ilitrand intcgxAalim, :ne gaenicd bt' tk laws of tlx Stax' d Utah (with tit Mr id to imrnlal princq ks d ansliar d hw), veal h' nPgdiabk Icakral law, k, are keaW fn Utah, hold vair A-owd in I Ith, a P d ei"tund iukr 1111.; Agrlnleiit Afth;xxl fit Utah. ,AMiil?ICAN IAPI? &: 0" I1.10in RANK lh:nul F I'nuic n. l'rmicn. n:li0 11) AMERICAN 6\PRIkV CARD&J A10FR,S IN THE NITRO SrN S AN1) ITSTYRRrMRII'•S. VOtiR 811,UNC, RIGtM - KF.F.P THIS NOTICE FOR FUR`RF tNT. 111K anum iN niaitis important inkmuniah ulxxu tour doi s and our respoleefhilflia wxkr liter "fair ('moil lAlling Ad.- Notify Us in Case of Errors or Questions about Your Account Statement 1f)(Ai think your st:demenl i5 wvxtg tr if rtxi lard mom inforrnadn" abothl a lrns:Yiorl cn yruu satenxat. wrile us nn a separate sliest+a(Pxgxs 011 file adires for bflling irkinirks IslA al tau a3kIlRol. Mile to ors as scut as i,tasbk. %1• nlrht heat front )0111 la filter than HI dal; after wa'sent text the fiat s1:t,rlxsl? ai ;a1hMr if (rrt r tr prd,km glx tnxl. Yoti ca s also Icklilitrhe uc hill doing m will riot Pr TfeP ytwa rights. In vinir kikr: gin• m5 the frilliming inkaonatkn • }irurnami- Mal:laxxna millilaT• • 'ru•drraramtK:nl+ifthe b1KTkJ erne. • Ik mriln• dl;i em.' and v%ptam.1f )Tu col. vtln %on Iaiime Ilxm f5 an error If inn mind nionr infunualion. ,le crilx IL+r• itron for arc not Sure oluxll if into Have anth,xir sl its w Irn null Actxnt v:ma haht aukrnaticalir fun tt>iir sat inf. dxrldn, nr ollm axantt. vim con slop tr2 Paymealt ai as nixrnut ylAt diir:k a wrxig th slop tin Irnnxart. y:xar kaki oust kna is dhrr hmsbum days hdo rt file au!twil aK Pl nnxsht is sdhalakJ k az ur. Your Rights and Our Responsibilities After We Receive Your Written Notice 1F'e mu5 :idchxndexltr )our Baia within thine 60) (Lay,. unkiic w: halt o!na'kal fhccmxbythen. vFithtn ninety (90) dots, tvie nest either cared the arum or egdain AIM, believe the statement was wean. AOa vv hm%T your letter; we rmnd try to ail d ally amount you tpxstkau. or rtlnn ydt as d?IintinentWe can andfnx• b) bill you hx tic amount you qui-W n. ftaiuxling Fn3na Chagas tint (k) lxA Nate b loy mny cphcakaxd amomttrhile we am fnve ipfdng, bill vwan:still ')WilyrkA In Paythe liars of doer oak mien! Ontario red in IlU SWn. If we fitxi dial we made a infante on iron state aiml, vtxi will rot Rate In par ant 'r)naire, Chamg ; Multi to all(pc fkmtTl amount. If wr dkl oul nuke a mkaaki you may have la Pay Fioaik^c Gharga, and tot' will have 10 make m) am• rniecd Pnmlen is on 11c gtxstion d anxxulls. b? either= we will mid wuh a s iltmem of the. arnouni you tray and the dale dial h is dec. If tau fail o Pai- sic amount that st think you oar, we mac Minn you as defirullon. Ikmevtt dams orplanalkul clone rnl saiifv }rut and wxu write to us within to (10) tips tiling us that yore sill reli a to pat, we twig tell amoc wo rrpaf wai b that ymh halt a qustial al on ynurstamiher4 3111 wC must mil mt the name datntrhe vie nlxxA yarn lo.W('meta mil anyrxve we ulnn Hu M 111:9 tlx: matkr h:s lity, gitled bcrtnen It, wiun it fin:rli is If we ,k, nx ldMa flits- mk'+. we cannot hulka die (lust $i0 d ;hl- questiaxd -.01MIt. rttt I I(nr statunerl mn (MCI Special Rule for Credit Card Purchases if you iom a pro" with the quilliv tit Pnyrety if smicci that you pas tl w1111 tl%' (aML dIYI:Mr hot x"I 1 gMCI fifth to ainirl the p with itn ultL medw:nl; text nrir icnc lox In, it not to ],:n do u nair:ir:rr•, anxu on t fix tin itu prrexst or scr: k s 11xn• ;in: ?yon litni?alhahs to this login (a) )'fin, most have math the p:ifehts in ymxu hone gate tit. it as whin irate Ixmhc state wi?him 1(Kt mots dyov lvrmn rrtailitig adehr;i, 0311 (h) 1a: re parchas• prig must I•atc Ixtn mum bran W. llxx Iinri?aiirxo tie) fld afo- 9w avn a optrak the linerdliill), or it we mailed ymxh lire arlanienxst fox the PnPem a srwtim Nott for Ohio Reside nis: l'be Olik: laves aouul d'saiminatiou require dial all cnrlito5 nakt aalit rplalk available to all cmlirtni• taWomtts, aad dial -malt nlxmhtg:t des maintain st'parak MAK hiacrries ai tact; irxlitidual upon nquot 11x Ohio G<il Big'rs Ctnun askx aininitlras anq,liarimauh lhhlatx m-• , . a?x v a tea! ,p: l a r .'t:u-;: r ?^ 1 I".-• .?,QA . ? 011,,. ?.. QN(T, T'Oki ENROLL IN FaPll CASH (GAIL 1-800.091- NOW). PAY BY COMPUTER, PAY BY PHONE OR ANY OTHER AMERICAN pN10S ELECTRONIC RINDS TRJUMU SERVICE (11MJI TER TIRE "PROGRAM"), YOU WILL BE StJWCP TO 11164 ELECTRONIC FUNDS TRANSFER AGREEMCtkT (THE "EFT' AGREEtILNr). Scope of Agreement 711is FI•T. g i mem caters your partiripation in the Program. to this PA. r Agrccmnt the welds "you' aryl ?vxtf refer to die Easir G.ar menther and also irkfotk erg Adiko lal CarJnxmlicls win bare axolkd in time PiWfarn.11he wvrds "we.- "air and "Im" refer to Anxw. m i:xpens Trawl Related Sen•im Gxnl'.am, Inc.. five wrontc -%un it rlerican F.xpr esc Ave nntc" air to your Carl Axaxmt ur am other Anierim Ftptax Amount- Ili at we peank yin In moll In the Program. rue wand; - wir Bank Amount" nHr to the account Ix1(I M' 3 batik sontrilks firm rut other fllatxial irnlfttafrai foam uitidi potent will lie mark- wihai too make Ir.amidinris mks• fix Program The -Ain- 'tour inrk' mint the hank o3luitics fine or other financial instihnkxi that tinkle tumr Bank Ataatnt 11% wimis' o6v nix11xh' rfer to cletamiic liarixrl trarhkr gx'rais andjor mime crib rawer that Amx'riern F?pnav nt n m3ta :mailable iron lure in iinx. iattding the option it) pat irnv Card krdinl hill ckr7nmicugr rmirlg a axnpik'r. {{di01x ur otixr tkyxc. PariiciPlatirsg in lln F\I)r%(rill Pixti am will crrabk pmt Ili use the Card to obtain Grit from Aulomatld 1iikT Aloe hixs (" AT4'1 tlrrated by am• bank at frnarxial institution that patidill in die Fxlwm Cade Program. 'rte Card Aoemat is glxvmd by do Cordrternber Agmement that is altadxd to dss FtT Agraalx-ri 11131 agmorre t ant the rapitalimd knits in it also agdy here Personal Identification Number in ornnl d nt with mur pmWipatkm in the Program, we hint isax d o you rx alkmed mi to dwm Tar ruin Perinoil IJLmrkatioh Number MIN"). i:ach file yin wish to olbkin mash al arAT11 you Paul supply, your Pin aril -user or pimnt the Carl T) eashre trd an unauthitAxal IrulsrR xis are laoik• wxkr die l4ruis rri Prrr„r im. you shutiid lake all mcasninAw prttiaulfnilef o Patient am dIXT IXIWI (Aum learning t our Poi or hosing 11x (::red For ca:myuk, ntaa kap alt matsial axuaildng your PIN atladed lu or with Ilk: riwL (ilher dreainnic (limb utter options m% of may not nellirc Ilk We d a PIK. Limits on Obtaining Cash or Cheques 11c IfmQ no file amount ricash that tTxi and AUiliurnl Cardmuhxlt," nn uxu Antaicm I;IPrwAcmrots no. nbakt from Ards is $i,(Y1i? fn any swat-liar Itaioi We may impo a mAtiatal limit; in ours,k dkielirn Ifn 2dd0ion.o any Rails ingrf by die ATM's TemOr I. Paymeatfor Cash Transactions Faeh lime yin miliaC a transaction a iii The Program, yvm hit4i a:t ante( aitho tae us or w qent to draw a dxck or iniflalc an sumniaad dsaring Iwue ("ACH") dolt in tour name on wtur Bank kTmwr payable to is or I. tote agelll in the armeua d the tmn6woll. Tlx among 4&, tnmsadinn in Ate k:Ul d (0 the 2mmul. of am, cal you ma'iml or other aril' other good, orsrnas rtt htn& uaimferyw authoriml. (it) die amrum of dxabia and lift) aw fees brlpaial for we of the Ant Ise itt gxr:doc Fees Ar mat charts a kt in Ilk God Amxux for, : di llgnw Gvii tell &V kn :n :mffA hBkewillb:i.dthr:month:tlxUulstdkxl.wRLa minimum of $5. The anxxlN of lire Iransfxtiah is tie intai of (i) the aniouat (if any rxsltvat aloolidordhcrfull -lwrafarouautartasl,(R) Uc aniaut darn outer gaodsonervias uixaktel, aid f6if my Mrs impnstdIViseddteATMbyisopnalorinadd nn. facad) minextion taurbatik may isaw its ciAti Carr immactio l lee or peFchmk Of ikaa- Itandlirk.:t igr_ Or an. We may' a6 charge a fee of $29 br eadi dmi or Aai dtfift Jrmi, br us w our aunt im mwrrmion with t e program that Is na hatond mgxu first (resumed, whim in appiiabk Law, Your bank limply) mm its am n a ny diatir kir Sidi items. If any Dishonored Regaesta for Payments If am dxrk or 1171 debit drawn by to or our agrnt in mtuxraion with the ?impiam t- iv, Wanted by wmr bank vt havt the right to dlafgt the amount of am stxh trans.¢tin. aid the didhamrtd )nyoxrlt fee n#wal to aboe. to the hard Awitux or to atom the manual fix; yaw. d Ibis Imports wt mm, intriM wnr sight b par ictllale in, the Prrtgram. Rif soil innk A(witis, wAi near have a sgwr.*; agrrarxrx with us or with 3 (wrtirgrding Bank srair8cs firm, or other fmarcd ins11liall n dial alkm aline d tmbil in he musad in the event him your Bank Account anLiirs inorllkind funds in make limulent In us. You should n *r m the affirgxiaae agreement relating to Oil line 4cralit for de tartan and axx6tkuss dial govern its use Liability for Unauthorized Transactions and Advisability of Prompt Reporting 1'onmust tell usATOWEOpal belkmthet irdawanPINhasheenkxt, A" a ussi without %xMir ptmdrdos 1Allihmfng bile best wx of irnhsxtiah n m utvaudhrxrrTd, atxl within minimizing pnsdA, lnSm 9 it tau dais after w u lam obau it wti nal1 i is Ilial Ur Iratisx1irm was unitdhorimi, we will red hnki yorl liable for that (ranmamkm. In any eveent, even if Win fag w lio di in, your Rahtity lx arm' wi:wtxrfxd trnca(tion rx servo d maid unalithnin,rl iraugxtias shall lint -attest $i0 if yon belitat the (:3rd or vmrr PIN has been lost or sitol n or that iiiameter . has musfcindtrouMIraivianine. from your Bank A=intwithat permisakn c111: I Sit05)11) flvithin IS.) or 1-336-333 3211 (ximkk U.S.) anulow- rr wnk- MsxricmFxlms(:unlitIr.innxrri.R0.tinn;3t13tt,Phrienit:. Arco. xia F5D'?-3 330. (ensiale lip; Unnkd States. yrxt nui Aw) conW any Almedetit Coliw ss Tralli Sumo 11[911011 to fgral a IMor theft of the Card of weer PIN. Our Liability for Improper Tronsectioas or Payments U a transaction is not wrspitlud as yah Thane drtrtsd ar i(we du not mn pl& x transfer to or firm yvurBank Aceaud an time in the anted amomriwe will man& and arms It as neassax onoeyou advise us. We will also rrirrrburse you layour Kul Mates ordarnalis, ism aawd by (at wor.lkmxm tore are sane exa pOons. We wig not be liable to you fn the W airing ImUn cer • 9.. through nofmikofours %uwl1a,dAccount dam raumdWlxu cattail i nmugh morcy In, f milk[- the trarrsaaim or the transfer would cultrd an abbl sod nmdF ha* • d the funds in taxm WAL and are of ware at the time ofthe attarspted irat1whi sdh)ed It, legal Prim or other trxamdhrulo: resomig lie traruradfrx>; • If the." or after incminn where yen am making the transaction did not haterioughcadr . if the.4111 was ntsorkh,gProp It;itid%AIkmv11)i-:gtlmUnxeyoi stared making the tralsactinn; • 9 ciaanhstanc s Ixwxd our ardrrd (aarh as fire cc floral) preivint or Ixetmtal dx trAnwiction. (t6pfY Kisix dale txacrutaxu that we hair tam • d a kslmicad maltunufon krmun to trxh ihrenslkd tic transaWon; • or any. other malif01mslaialinIbis EFTAgiminem. Business Day Res prigasstso(uss FJTAgftasneid, air hisins days are lelanday Uhnxsgh Friths. Ildidays we not induded. Arbitration 11xGadAa3uauB P,aumhcd by dcCarlnltsrdxrANrasrvsht carnaiilol ilemirt T1tcAdilrattxr praisiat oat3hraf attilin that agtemrhau appfxa o this rFf Agremerd. Posse r* in that lwdim asym ieif ills F1•TAz mdr Privacy Ektimilic huafs lranders tvu iniffak Pursuant to this RT Agreement are arieW hie flc AantT(Cm 40s6 Pmaey Polio; a Copy of wlddi was gital to you Iw&.rwllh rats Mint an raPrts CanL'ra view our Pit vx.f P Ai T trdme, Plea, visit 2me"e srrRshtscrxR Now to Contact Us if far am reasors rate wish to curtirf hs ebrll It Program, about tvxrr p3mikP fiohbtireProgramterabankansacnioserelatingoticPr,+mm. sTiteorCall is as it Oox€ Addrsa Ane6 i Flpm Travel Related 1.14z*is Corrgrang Ire.. Falxus fish 01)(112110115, PO. fiaT INIIK Gnamfaxo. NC 2741.5 Mephom 1-fi(bCA41t tfOU9k 3f hairs 2 day;wAn days a week In Can of Effera or Questions About YourTransecflons ill&or call us al the number or a:kltx4 ghat Amt asmon as yaii an if iliti think yam statement or mo* Is wrong or if yao mod more adixnuttai about a tr:nsadion if al al ywrm lumen Or rmeipL W. must Im from you am Isla that 60ilms afer wt wd you the FIRST statuti ah which the Problem or em)raplrGM-I 1. Tel is ywr ream a anlcamf Amount nm11K1 L liaafie thetmor order: traumdkxl you are unto about. and ellslain as Midy a you ca wfhy y?t)xikve 11 .6 an anrr orubt vat need tore kdrrrrtatkxt i. 14 us live dollar anmtmt of the snryxeted truer. -eY v13 670650 7/19/03 5:02 PM Page 4 If }shit 441 as rx:dh; wu mm require t al wAl'Bill is your 11110aild or y!isiint in wafting mlllbt •10I tsiness dens` front Or' dale .,ru notified its lit will Id1 wx! Or rvOts of our inscslir !G xl withi11 !Oh nbresmkny aft(. we lu:t fnNn yxxl gtxl we w4U aorta air, error pr(arg)ds If we nod nvae time, IirwlYS we lum Like tip m i Ciklxlar stns ro im ii atr?? r rnmldainlorgtaxtinxi.Ifar'kYkk let.kthiswewill:(SUlmlhal rxnrbaik rcnsld l vrait lkink:txrwnl widen In Mnrendays° Inc Or annnit t(41 11114 is it error et that yon will Bate ON, im of !lit. mono. tbirblgilietint(' it taku !a n, aanpk r (Air imestil •tku 1(wr isle you x: pmt yvur.xmgalaiul or q astun in wasting and wr (In not mrcl4a' it within 1011tsiam days' fu!Im. inlg y.Ynr laid ,tnffrini ol, we may tax r cii.kt Y. tit flank A( •nar Fr trusadiols inilialcd ansik die l nitul 4aix. (111:1 in lit (tern thin. at tratn'ttas resakfng Iran am. Iwint of sale (kk h c rot units: dxNtsl, +c will h.nc tin cdax,ar days W almpkic onr in:taigifinn. I in1cR (xliemia' required Ir• In if llutifiaa i n d an inn's rm9icd within 30 calendar dais after lmr Rank Aaxwut iz uoened, we sill host ?A In whieti; Jars W prottirle you Nett (Iii nti tlLs f atr IliwviNrJnn mid nown gay ,yror and axi d ns W amfplc a the imt5tl{anlimn. If rte Jai rnlme that tore Vz Iro errtr we will seta d yvu It wrikm cn,planatkrlwit Itin Ova- hiNnesstkoxrifrawefinishwrilm"fi Itul I:nlai wxlr rNa.St we will Imile ttxi w itll rrgiius d lux rkaallmm$ that wr wad is wr inw'sligdtrn. If we ham lxtrisamaily rerrdit l rAnv Ralik 4 ttaua aadug tr im(5liplixI I and determine Ut;a thin• wr I n ertor. wr will nrM6 t, It nr IN, dae nn whit Will w4 will ntkilii pair limit ;c, mint, anal themmir.utulirklixd.loll slxadelnrakrri-natnOtt! yaaulImilAS lm cmi(an. suAirient fiend, ill ann tin ALAI. If it &ri wl. -- hate Or 69111 to deirls still animal km tic Canl .AOTA1111 err t! mlks l ON anx un! from tun II'ttiS'isrx,•.al;.nn,n,ncanrr•I}nurn;_h!w}rlrk•i;wnL•inilt'!brrmr Termination c(i:..x Imy hank -x finimmil i rahatim lmdicilyding in flit. Program. :nit' add to or mane foal Or Program ;m% a ill] AFMS or Weld or ulna!! Ole a ntxs lntnikd at any kctltin widaait nittftngyvu hefor lla d. in aililkin, we .mtr,!is confine ilie Priaganl at :my time. Your dgh! In padk^ipar in the l1 ngrun will he k_'mlinal(d a sl(gvildell if the ( rod .term! is crim!le d or stisplihird. O'lla1 aal(54 file xlrilYld/.IUU11 ,un ha4u glen your Ihank kr Jirah daml}; clxcis k, ivnu I,vtk Acaaml. If 11x' hank Aarxlitf Halt willCh pmlrxrl(will he IllatL" YrixY1 rcxt make tnltcaknn umkr Ifx Pingrlill c dawxt to witlxk:m ?:l t'misaciions M is a our.:furls; ffso!uparii:iflaprn in lhr I'nw,ram is in;xihi•f?r IRr.opuulilc rI17N1111S rli slim'. ,X tf mix lint, k-anui n iY, kAlirr in gnAl,q:utdinl; !;1 (xblitFxt whi:ItA-pihlg, -jvv nia•; mrsdwo ynur *1 hi icuticir u in the Pnrgl:nn..r::uir tim('.1t nur wk t4a'rikn. witlt ur tailhan as;tc. sdlkct!n applic!llik lm,: 11 we (ko. N,, iii will st'la ixt wlittirl lo,tirr, ho we Ireu not xnd t+xp air Ihaicr wail after II x ut'iwx-Ilinn. t1`e 1iw, mate tlr aighl !u akmr ,aall(ill llinit I(N. air'rgmsnYl (mil clhn. at gin lime. at nor xik (liscrtal. wilt n wltMlil C:1!ee.:I:Nf t11tpY1! I,441ng !Nth IinUtY',.UibNa in a)pilic.dli law.lea! mfg rnninalr srurpadic fctbNh In ilk' I'mg!mm ltd xnu must oi, w1 ill writng k, nt5 31 Ilia .xklrss dis6owwd in llr kak;a ill Ih3 IifT.AgnYmtun tYNlkrl "1ICN"Irl C,O? CACf US." Prior Agreements and Assignments I* Firr Ammocnt suq,tn'(Yks all plira agremalls yon m1; Ilse wit, !R tl:lating Indic I'togmm. ,Yt 11:oe Or right fo vnipi the F T.Alpcrwil in a suhCidiaiv, or affiliak, compmr at any lime. Ad ITRAN!i>il'li r.SS rRA4T.LR1flhTlillSP18'I(:fS01.il'ANY.INC Gordon A S ilifi. Prsirkml. Consumer ,aidmenher 3hre rata Note for Massachusetts Residents cmnerad Disclosom Statrintrn. Air, !k!ctnr nation Ix ni'krl to yixm whtch indicat, that an rkrinxlir funk Iml iskr um nrdli shall lr adinkillk :s (oidirlocc of sd-!t torn t k:r 1101.41111 ttxshiutr pdnu facie proof that suit frntsf(rwasmaile '11r Initiation Ire y:n of Loon de-nor is funds itaiblets fntm %mt ILotk Axrnnl! •sfll: except x of erwiK' prAIRW in this I'IT.Agrela'nt. clfaiid.. dhninat your altilim m strip fxosmamt of die Vander. IiY!JiSSGnUikWISliI.1((itli)171IN -MIS!1TMiler AIRYNiiT Sf(lP ihAY'HI•T 1' (1F FJF.CI12lINlf. RNitS TR4NSh1:16;1111 let Pt;E YOII SI I(H'IP Nh tr I,YiPIflue 1]f.ClltftNlC •tC(31? MR FI:Rl:1161jS (iR 51%1kIChS(!NIEZY(ki.iR S11'!SFIIV IJW`l :1tIIJ.NOTNIA11'tt SIY11' RiS;Hl7:l: DLrclosom of Account Information to Third Parties. If ym gist its \nur written authorization to digl se, infumrmlhm about yv !. lour Cant AaYnut or the Irm-mwOmm 6ru you make to err. pcrxu. that mtlatadion Mall aunli tali nth. expire 45 ih)s ;der we maix- it Opdonad Unit on Obtaining OWL Y(AI Ilat tix• gavot to K'q" that ur limit Or kcal amuun: of emit that yarn n,ai- oblail fo,m AT1k in a si r le dae hi $i0 If yml (l(ri Ihi ,Kdlnn we wfll later all nairwrdlk stifs in (nmfdl with }Hill kjx,%. For Your Safety When Using an ATM, Please Observe the Following: if Ox A11i av art' using is iinille a Imildin ; dose the ea ' mkwx (rimplcldw nlixol enkring hxllt hkxth uiut'nle g legitimate ricul lei gabs exam m all s:fPf shmntkl pace 1 cnrl.'11urre nlrly h(• mxxaara!s nixYh lint-molxirinJ ;tens gamin :drags k, mn.iT:ti madpiix t.a! arc M.yo:xl art iplJLrcla:d'saNdrcd I'ut wiOYlrmn - ch in a aentm plxr hkxe seeping ashy from Iir 4TH. Rc swan! rf yrxirairmatrtdmntp. If )ra; hcli(sc wxi am lKh>Cu-ekllcd a (nllu xwL rmta4 rata ual lsnnxn. Ih(r! km W a m4l populikd arett If vwsork call the kccal polio lb tall wde %nur PIN nuirat(r tat a mar Or Carl. Do not pr your PIN munher io nmoax else In c-.w of an tarYa', itic . ahll 911. Oilgd;dlltsaxxenitlig Bawdy at an .4tlxrir'an kspraa Dispenser Junta Ir dircl.1 to tlx:lukh-,w lio,11littler "111 AV Itl fpN1:M T I;S NM(" klml, k king rcrnnkd In 1l9kii Cmxra5 a!:JNI H hr aikxt< lit New Yol. Csu mx1Ar as rtxlniml by k cot r.•gulafins `I-vrHassrdlisclnreskkmtz lUC!krx)arda}sit!sWUtdhuciixsdass Description of Coverage How the Purchase Protec ion Plan 'Rie t. %lien an 4m(rirm Iix7nca` Caninteri diargas a cmrmf purchase with h'a mn her Cana iailUlll,' Or PIIIrdn OV I'FuMioil fled! ptotru slur 111511 fax 91 rhos front ate d11c of fund= If It I, SWlen or eeridentallg thrnapsd including sxlxfalisn floc mrcmq` is timilal to ? I.d1U ixr tiY•airrYta•. uP In $Qt,IgXl fur Graomrita 4 nand fur policy ytar, and Ls it, I Xi-i:5$ (f radar sauau of inlamulhc. How You BeneW • !e rs ?f psrixlal pmlxit\ Puri! sat wnrkhavk will: the and are smeml, inxiulin; ?C?+liurtil:s(+! fax Mina!. • As g (.Inbnentxc your pntrlliv! Is xntnYl For 191 (by; from !h. dale- mf unit;Rr t? Ilea pas; ilamr::!p protium .f phi pdir a,l Ilm ;wuihaud it•m :sate pYtr (snot Amnia!. Fats+dl rod, tar ninth INll for the uxxnl diargerl tnyatC.ad • TI1rPnrl!:(a•t'n!ki^tiavl'11npraxktcatir!m}g:lix:y:!u$ii)(k!Ixr (lm:msxr if Oiit a•;xralnual okmxnla•. irditxkng s:nilalsan, 1.1kw,nnce ), mi to aauxd S5((SW per wnrJnxmhet dtarnmt per polta icar • lbe riggrum administrator will rltride wikiher to lime die hero Anted x nplac d, or let r4olhuas i, lou (soli tr cook) np W die arniallo dtarcal to tae Carl aid ixit W oreed ttc original Purdue prim: Ilic Pitrrhhati I miectka, Man doe; twt rdndmm: Wr shipping anal handling expaxsus or kstalb!tion. astr r"t dr rafter Benin: dharg(s Who is Covered I'm err Cititrsd wider the Plat :and erxrragr rmai!u effoctice as long x rim pin a 1.S. resident Canklrunlxr, Out is, the hnetican Express Canf his 1xm 6nW in i+xtr name. mill pen mabixrn wan Pemgimrll RC;idCul' it, the ill Vnibl Shales m(An!erh;t, tux' district of ('Atmllia, I'nMp Rico, or the LS %intat Islands.' 'Ynir I,,ninne It I;(s'sitkin iia!nsideld ynnr p mml . tht ilWg. Key Terms to Know • Iica'Ailswill Ixdhe paiiiif.'Pit ill, datr,d(kdunrrr,nnfiv-(lateof Jaim fling. it tat tx d a r d wmikl-hc Balm poi nmml mr, onv%lnl ill x nn your Gird Armtm( is unpaid k,rtxx•ot moo: hillingcyele(s) or oair f•,nl Auamnt is ciZAle .` • Ilia lmust finaidepmtsrfpurchaseandsasfactur,prodofOil: dxh! n eirka!tal damaigr, Whaling land:dinm, wflile co raW s in Lilco to (ptalify for paynian under tx• Putcixse Proluctim Mail. Railm1lhT to kap all yvtn An erican Exprs dtngx rccuipb. ofli inad Stare rmips. and darlaged ikm s. • (;acmW units Ox: Purd!ar ProteMmt i4ml is P:XCIS5; This mess that R. at Or tim(• of Occurrence, mu have other valid and aufkdihlc intarrmice or indemnity - such x but net limitttl to hotrramler s or r Mar's Lmv31xr-!hc purchase pntectim Ilan will ttatr that annum not oncml IA. such otter ins runes or intle nif!y. up in tlr limits (d t,e Porchme. Pr tmiluit Man. • Prtdakt digors, discounts or nvoxy rlw wl Iran knnsl price crimilmrini pmgr'mms will he d e dulled faint Ilx onginat roll ,f the ham. Purchases Not Covered • trAickrs dic6s, tfd(9s ed am kind, lrgixfahk instrument (a rh as gill cedifrracs. OR rank and gift clr4sl, csli air its apthikrn • anhnakorlilinglibils: • aosiamlk or perishable itmxs with limird lik ),aril, tsrb;&h!It,Na limitd W. fxaftme• Iioit txiII batteries); • at the time of purlusc, ust.A. rebuilt. rfitdifslml, or renimutfacturll items; • ifdrdania rdasbfenik:mc(x& 5darkhcsinalair(r:cLa1\crap: will lie limited in no mot than tlr rater of any padinrlm pan or farts unless the atkks are imumtlde itdhiddualh aril avntnt lie replaced itldisidn ilk fesipid lest of any glacial gkithe aside(s) may have had is Irut of a am or afledfag • pennmknl l!racclnU atdra Mshim fixtures, including. bw not linakd to, cagxiing taxing miftr 9le • hshr(ssfmm. including, hat not lindrdtu.air rordltkxrrs rfligaalas heaters; • aslant hospital. medical mid dental rptipnxni amt tk4itz; • rarestatfgtstramfmm: • mtiopr.IwelioslyawxsIirms: • iftispurelxorlfartsale,(NrftsAntia1.orcomnim4altrig • Iran -%dR mmdr hRLdhmslt failing, iezce,f LMm fYndl:dCd fmtn A IN.* ll Expteis YlenfiiudlfsL SaasA•is), • nintorkdhc'hidisadualerrfi.airmh,aalltxann%risor Otair nxxmaS cgtipmnd (ruts or amwtrkc • itmsrenalk:aulorIri-riatdleiwilt,!yonwill IF'Will rsfou"e. occurrences Not Covered • ii+rs kit or miytlaml: • (lens flOk'n faimWOW Vd*K • Rare trot rex(a>abh' z&Vtxdai by will (for example, unkdmf or onanigdled isms eolert (corn pudic iadlides will rot be axcreb; • ikarognienmfrom haMWnotcarried lwhand urderwxupcrs+tal sopentsim or under the sup(neisiat d a Wre4ing axigxutiort Imowm by wxr • ii-6 that sn!i damaM thrarglr alt rrkn (Including a!tUtrg, s using. and draping); • stars damnfyd dae to normal war and ter, blImmt prldud,lefccl or nxxnial couve Ei t iy (sidt as ben rail Ifmtkd tt golf arxl tattle balk); • i)Xumgias carami by mss tithe fogrming fraud; allusix mown, drsxir inludi ng, halt (lot Ibrtiief W. Rood, canhquakc Wisdom hur is nt; war or lral ti(s rf err kW (e g. Malmo n. rtllef iat irsurredinn); NnfSCalWi1 bt• Wier d eta goxmment, public autl»riy. orcustoms official; li ks ii cone ixinit &,A activity or arts; radioaahe anlamingift; • isms Ian, darnagd, or stokp ur& the care and control of a third party or common Carrier; • nimnufaerutrsde(cch; • items at an u maulfd cnnlametial site How to File a Claim Ronummher. to krsue prompt pr(taadng ut you claim }oar Ixsd W n7Nld art Oicr or danlap: trome Uakir king die Jar of die (lcaumom im tiding for gifts pmmimssed %%0 the and ti nt(mhr adv. you need to retain }our rc(9fas aid hair d:emlFd item (ii wthril) until to claim p nct.is is anti kx 1. (all U41 Irv I 1277 in rlnn yon rhim Imrrrscvx. adl e)lled at ! i03 3'3 rwth5l. ,tame lint rntyd rJmrN l+arr.•kria; u•ifinn.31idayT li!nn Itir, dale cy (Azuirucr • 011 may he sent a Purch: r 11mh:d!at (taim form whiclh you must NolpheL fain gird hack, sign, and r4um W the dairtls Uf irn mall ale folks ing mfufrd tkicmrcnl5 (keep copies for your own rxor li): • Or Americ n Ei chaw.. rc>x L • the tvigjrial hemitrdsare rxeipl; • the irmumncr iltdaraton kmrs foryourdlxr sounrs of inuance tx h*rma iw (cf- hamnasrkr's or renters Insurance): • it Ithnmtti du of mrdter wp*esstimar for the damaO item ((hlnapp dairtuoft and • for theft and vamdideredairrts, a reAar.. M -Piling tic SWleti or l%idalbial kraals crust be filel wide t e apfxgxime antmodty, Vrre nut c11 In fete a rkiiro widen #W P1161M ProlVdinn War Noun loll mastWkirri tr+rli can#dal dais fame real requinti-l rkxanrenl • Haft; 60 it rpifrmn ibe.kyle ii(knirmur b mmria diA+tYilefrrr manor: 3. Tic prnt9am :rbnktiaiaWrwill decide v6fdu to Wm Or item rpaircl or replaced. or N iebrihuusit you (casts or (xdlt4 nq) to the atixamt daagW to tau CarL mad nut W entcd Or orWn,-d purchase price. flr Ptudiatc I"Mitxi Man ilea mad nimhust for shipping and handling cgx+urx ,x hstaWon• aasew& or dw service shad Notes AaIm. we r! #4 be zmack'firr lnrrtlld a6rbrts or on alp drums cad sidtcrirnikdel bi Jfr manner mli itrd br (br ftworr. 4 Faokmmapdgknis you nor berequirdWsendtotM dmn.*cants), al yautxperoe,for(aditaerakuOal dtrxndakn Note if rrg Anki'f. )ass Pared Borah, !de rimr,Wrl stmt r0 h 30 rugs horn Ak tkde of raytater to .mitt diglWefor mremltr. Important Additfasaf Mfonnation for You 11u herlefis rAwW wmdlx the Purdtare Protection Plan apph• only xb voc. Only you have mvv Ir„••'d, or drpttabb right armed, or claim to illarmnce parclxcb 2iiWor damap under w arising from the Purdia t:I'mkxlion Plan. All masongde and pradkal:tits cans be taken W autid or km any chance of pmiterl' axxred In, the P ids vse protecting Man I>ebigsrlein or dlmmrillisd. When a Ixriefb has beers flak under Or Pnrdiast Pnikrti n Flan, [lie IsurdrhooonxsadnifniYl tit lheevtatrfsuchfiny ment.to aRyiaurdf)m 31x1 MFIX4 s IP1114 ;nut -p-& pan}. I;pat ar 1% 'st. }+Yi must I'"aide. rs rtx xd*.. asasance, Including sifting docwtxmts if max nary lea Irimixth in your name- 11h: purchase I"Wi ni Wan is wtderwdtMn hr WEX Assurance Cwanpaiv ("Insurer"t. Adnaniormme(afire.GreenILg. Witiciansin. This document scows ash as it dksdplion of eakT.W and is not a poha' or mn!tart of irmumrm, the armal trims, drnr6tau and achnsions of Polley AX0951 ("Polk") govern tit Pirehas Protection Plan.7be Policy Iris bear tared W 4rrriican F)q" Tcuel Relabd Sepias Carmparry, inc. ("American &Vess"), ther PrA Ltiirlder. This doa!mmt rplam all existing prior lkscdptfas of Ceff2ge ku die Purltas: Protection MAIL &-mit0d. Ciak Prsdetm Turmtl, Atdnan, Sc+c imy AMEXAssmtnicie rampan AMI.)(j6WoilmCOWAIA' 6:'36.11-01 I fio'1lrard(yybkrntdrmnx(tdht#>r.tkmrLrt+ )Rrvrrmk Jnr>tmnn, ll>P. el of a tTSrrrr/ aY inn' nfsn Grluatrlrr,+?! lbrnn,;b tetknrJNmtmtoJrr ifrnr? Rturrrtk/ntlgran rak'nyrl(arr ouiijxhral• v13 670650 7/19/03 5:02 PM Page 5 1'rrr /IXati dG)dde and rundIal b! flw.llrnrlx+Jij, /awnr k, pmnran. (x+r y (:ern ez(arjxrhl nl +r &'Punlxrvrl ilew 1, r(YYilial lbrnr(gbilk, nvkmliknrnla,lkmlxrbi/ Ntrtnrj+lnr,Nnnn ra1a;;jrck n rtrr frruk. 3. OWN rehnbrrramt+rt t*At no., apfx!I• M Nal, )t„ fa gale rYtf)rharis. d. for Ilxt 'col {fblr and nrrolkrl in Ibt ,ilrrnG'+s60 Rerivint• prC.4rYnn. /xp nttl;l or auk/ sill Ivy emery! The evi(;imrl iW4,01nrl IYdlle rye flX, jx+ ono!/rryx+ip nutitnllhmaXb nrlrngdinn M a ,I(e,nhr+slr l Rnr.Ynrb jmr„mnx ifilempfknr (W fide Ili') to The Slaln!lfniibs, r:tilralrnG sblgtlnR frail lrrmdfnR ryn'+atus. i. !nr/x,rlnnl raArI r ?t+rmllrr!ir, /! x'.ilt+nik1'.4! Rcvrntls jxrrgnun:.l .llcinlx'r diyl Rt+rtrrrA pmRrnnr rrwir.rolo nr a efiarie au enh Illy nfliv anal br (+'ie;ibie (:rrrbuenn&is 1k+1L-0, frill flat lA' jxdd nlXTi n 1!rnrlxnrr(i Rnrani; Pnr,^,iYrrJr nYh+n(r:km r, rf,(rr 2'lkrs lxvri rnnr?ntd rye ra:nts'igildr r colon+nlxn' ! rick or imn-OnY airs ix-m. fie rk, un!a/01 In 4+r o!t Vrrn flak,+ilr . I1JATr r^!,L;Ilal['r/Fed (9rrTk(ftrl i!7 aC',!1('nrlA'+'Jf?i if(7!t11Ydi/),rNm?nf. arvfrq'rnu,;n,rY! rdfur• jrhtat/ nn crrCk jnl yxrlr rriXTr usir?•; rr .tk ndX+dd./, lily: , rnA/? (Gram rrk'nr,+>trrnr rr•!'iili(rdr. rnuN f!r .vllnri/!r / i„ ndrlilrrnr !r rdh+• r a(ninYl rjrnrnrrrrli. ij rrrjrnahYl. - rr { L6 Description of Coverage Him the Strives Assurance Plan Kurlis. WNRI a Catlmemlrr ellor•M";s tlr entire cr l dal wwral pnlilm 0111 hem ir..r Cvd Atx(nmr'. t!e Uattr i iiufan;tr flat will ekerxl due horn d Ilx? original m uni(axurrs w loon, krc a lxrkd ti tine squal In t)e doroti xt d llx nrio!131 nlalllllai7dntr: l4dralll5'. LIP ill tole a rhlltNlal,tar. Ull N"nanlles d five lraa v kn hat am cdigdlk in the I'S How You Benefit • "llr? Rtntis.1mra!uc Warr return monuta l"rels kananties I(v nrrrvj prrlduds pun9nasrtl a,limh nilh lrne t.rnt Aa:aml, up to ulx• ;nlllli real :ear. . A-lxnluxe o(AwW londl ! s ntm„farluirrs Warrant, arrant tix• llllltrs A clrrra• Pl:nl rakm e fat 71x• la n,K; Aec:n!rm. !'hen c'amwf p:t;• more tL:111 the A tlal arnoi nt rhargnl ht imr Canl f r l lx, Ilcin of y lofxvn: :,iaidlty r rs k% (Ixn 111 cxatsl SWWO lkr Cardilxnllar Aaax HV fer 1x4v. x;e fir all (xutrewei (orn Nnlil). • I'mLnigol)nr.kkdImam pr+!IrkmaNwx7km.d4ml,xdamagv 0AE!nl In fie emn d Ike Pndext s (xigina!,y;Irmnlr ("(knlm+rxi') - A! is+alr(ant. • e(n ilenr: duffed aiuretr with die C-A the pmgrmin aibninislnlWi%111 (ks* vixilxa to how, dx• Prern nyraired or gdir..d. or In reimburse jw Ie1th rx crei nol to Lwaed illy ongin od purchase prkse The Rhone .hwinin ce I'kln dos not rintmnie ktr shgrping:Hl halxlling t sPatas or i,isiall, irlin.t wndliv.pnimMonaladvice,,nainknanix'Mollierstnice chargs.` • 111x'rc die personal properly crntsisis if ands. in i ixttr Ina?. Oils Jury sll;td he liable Ire one ilenn III the for tit sm Willits Item fix, basis of dabn henrumdtt • Na pnxbxa rtgistrrdkx) or corrAnxnt is elidnal for anstrnierd products. including gilts porrlnewi for nfllor Who is Covered HMI am mvcrd Iuxki this Wan aril OlVeNige nennaill.. dTe,1hr :K !rang as +nu any -11: S. R+sideol Carkmrlnbcr. [hill rs. I!x• Anwic a: bgrirs Cand has his"1 (seed Ilion hI mtnr narke. amt sou rli:llotain v,xe Perntmnall I"mi.lice Within Mite 50 Cilik l Ctaac,-i Anxrcl. flit: l listricl d (itumhi:l. 1'I.x'gn Rlal(x'Ile I S.1irk'il; Islulxls Hex Itrn anlnl RttsAknce is orui,knd •axu irriman riwtihugplxe Key Tom to Know • I1inikwillINKbe paidit oil tle,latr4Occurm a.mithedaled didro filing. or on tht,bir &,vould-be claim !xtlntall as anxHml d,x• ern Sour Cant Aawtmt 6 in laid for fee or rmlm Inning c ck:lsl nt Your Carta Amwln is caDroAkd.` • 11x1lnllsl I, 4k, prxlf dlnltchase are! salofxeM pnnf d [he entered (ka.urfe nre 10111! CMVMW is in a ffXt t) (puadifr for ltrxits Inxk'r the IlLnrr's Asumrxx Mi. Ralx+nher in keep all porn Anxrkan ! xpres rharg • rv gro, original stove rcaips, orighvil mmufldinri wammties. ail pndom raruiring IClnlir • ll,", norcinase an al)nional A hire oxurv or mmid d warranp With a ( alit witch s(xlxiwise diOl k- tuxkr the It . rs A, wrinct Wan, and dt romhiixd antrlp fniliod by both ilk' original m:rani l tun r's war lye, ;Hill the pirdi 4 imir wiltod &in nut ratted fhr lY Trs, then tlx: prdl a is edible fnr Carnage under de hover s Asvumlxx Pkm 11x liners Am aim flan sill (-\tend the wam,nh• fine pliinl alxl mirror asrrigV of dt wgilnd mauuf:rchire t •baf rlllg' Iql 1n tole adlilkxnal Year afar Wh Ile raiginal man!i:riun,•s w;!ranty aiul fhr PI ud,;Nvl kmoe milml have call ntl if. lrcx etix.1% pinch;W ;m nl,ledClo 1?. s,Inz` See ia•Plan with aIAIrdI id I- it (on .AnerilM11 Fglma lirrchantlsc SLAV:& the 0uyers Ammnxr 1'1,11will Allily kiixe tit mire plait is in dfee. If ilk! Coodow CnKrgX of tlt original ofanuhxtverswarimi!y:11x!Ox inirchamiscrimcnnirwex WISbfin )can 0imi de product purchased is Ion eligihk orA'r der liu)rr's k.:ar nay Plan and no emx- age allilks. • If }vu bun an adcitiorral Mice m,lrac rye an utaldd w;!rrliq frrc a Wmpulm mtllrnter crimp n ent or pan that alrcar - Ames with an original U.S. !nanufKairtrs warring; unkss suds coIttag- is provkkd feel, -in id oilliistemldn; Ilx(xiginal manufxelum Mtrdlte mxlattr il!n9a's As innirr Mar, d acs net alj)k Products Not Covered • pnlicls ntx tuning manniacnmrs, namedks t Ilk! in the US- at the nlne' of IAlrjim. IMA ndxttll refill isixsl Of nnunufasurul ittmli • product aetm(I M' an lulmllikxl:d saidlicfbm gtraau ler. • mrnorbtd tehkis (such as Curse bl rts, mraat rats. !eras, aigdancsl and deir parts, subjeel to high risk cm&.gJrle wear and icar, or mlle* silladatkxs Uncle ding Wi ryes, clrhlllrvxs, pips, hosts, pistons. brakes, tires, nr mulllacl; • motorized de-Ices and dhsir Mars "I for agrimhure, laxtcaping: dellNdldrin or construction: • mntnrind denim ail their parts winch are pennariend adtitif- or rr>iums tr, a nvik-rdial nr mnlnrxtcal bill klinp, • btsixss falinis. indlling Intl ort limikd in. airaxxlifionei'. Kiriprnuvs.licnil,s • hold fit lintildia6N • miminmahle or pemlikk• ikmx • ,nimalsorbtin.,Oallb: • one--go-khtilpnxlix1s, rl,cvunllwnsilw : • imps purrlt sell k or rt ,1P., pniksskenl, or asnlmreial Ito. • its!nstill lnxkrbNadklxmthillingit•saIll110 vltlmll:bWIT It Anil ricri li:pres %le dlandm. Y niax).:n d • pnldtat w.ilh mamfatturn wamduka.tnm,n»tu lmanu6xtnMrs ,tHrr:1r11xS:lixl stet'it: rd;il!aijl'anuill,064illgin \trl.dkt»rtsln occurrences Not Covered • any phssiwldcuna?e,ktcluding(l:awiv;c'direct "idicdIratunI digsiar [)I.-, Irxv:r ttlry •. a:ax),i k, fix: exielit dx nianufzlnlexs warranty covers (burin • (kn,nnns eauad Ire mny ref talc folhruvrg fra(l; ileusr; oar or hostilltit s of any kill (e.g. inlasitn!. rebellion. insurrection): wn(isr atka, !w nnir (Join gtntrmncilt lnthlic aulhmfu. or anlilins olfirtial: risks d axLlmlwlll; ilb:g;d artirity rx acs: rnl'unlisr oilltallrill]lioll; • niedunliralfililumanaldu,xirprxil (call; • -ill s)Qnrrunces th.d tale INaix, mnsit1v law Rir,,n's Assurnana r • nl mcmp! effisiive lxviod How to File a Clain( Rcnnunixr:,nu need to relxnt:ur. Owinrtx i:nnxcliauh. inrhuling deal frrc ;¢hc purcl;twl wish dt f vnf. Kate(nlxr alvi. loth ixrrl N glair, ;rite rti'rm Me oriknalmzltiactumr t.arlnhand thepnkbxtntuflir*1 rpiii until the dmnl prows is asnq kin. you real ids) Id: ;tsluil w oht i!1 n nilair tslimatc !. Call xA-fro 14011-225-3750 in rink, isd )xnlrclaim frniisr.s. cal collect al 1.3(!3.2.3-mIA) Note: Ion mu l rte tnrrr ilr/im rrilbin 30 drns.jronr A'thWe of Ltranrzira. 2.11te pngmmh atiminksoulin ill deckle liiniltr to have the item reps inod or Kltaad, or to Kimhmur)mu (call (v cndit'l rap to the anrOli dulriled to or (:A ail not to mmd dx• original purclize lnim 1111: Buyer'sAsurarxrMantrasnofeimbumkxshippli nandhaiding exiltsvi .s or irotaRekln, atMINE of odor a+txc charWO Note An/x11 ment Inli k merle for fandhl dalfin nr drrirns flat sr II .,mli,imI in 12x, manner ntpf' Yl hr A*. (rminir. 3. Vic must anunl all reVIDied d:rnMICil"lon Within (it dins floor lit dax• Of (xcuram to r+rlah, digilik far mxrape. a. F<n vox rlaimc )eel rein le mpiiml to sv+xl in tlx: tkmutled pmllxa, at w our t^qx. m for hutlxr euthulial d lour rkmn Nutc. t/ rvprtakrl, ;fur imid eid in 1Lwrl rnxi} Yf jnrxlrrd r!i/him •)0 &I-,- (run Nw (tide n/ n+/tint to f ivirab? rt(tildrfrx• mremigm Additional Information for You llie txixfits Imiikd un flea de itpxrs.Awirance Ilan algh only in,un :red :xldiltnn:d frnMxitdrrs rxu sa r?t floor (roh• son mid gloat, pemms have am legal or equitable right, renxt., or darn, to indrnance proctiils xxVi,r,lamagr s umler w arising front lbu llmers ktvurance Man Sul,jeci in die kenos and rendition d dx- Wan, if the (aniremler is n odfW drat aim starrantp has ended forany reaaxl (stldi as hmkrul , of de menufachiir or rdher rtsixlltsftle paliv), the PAnerls Asnarxe Man Will mntillt b provide mscrage. not to exceed one year from the due Ox Cardmvirl is ndil'xrl tt such an ewit. Tlx: C,anlmimhxr m.nrt?be asktzl to provide prod in de form of a public a!nx>umrmau or dher dfril dxYlmcntation 'llx• lhntv's AmItance Mall is ulltkmdllial !n t1il:\ Asur l a• I)Hllpanm I'bewfer ), Airninsuativt(ellm.CimrnKmWivrxsimIllsdretri 'en S Cady as a des aipliun of untraw Will s nxn a InliUto mnnc (4 i ist nma: dt,dual tome, rorxrlkxs and exchuims d hiller AX03 r'lblki") gmrnr Mite tium s hmmocs, Min ibe Policy has 6 n [sVfol to Luteri.Ink:ap ssTrntlRdaktltiasicesCalgcun.lrrc I'Anieriem t•.zpnr'I, dr I'idit!xkkr. rasa dxunxTtt n::pleas all ras!inI lnim' l kvd*Aions (4 l.nitraW hr the Tintrt.Asa,rr)re Man. d Katnah). Gak: PrtsiJaV Torrohy Merlmn.5catr,my XMIK (:turana•Gxtrpam AAItl lcatrarhceCatg,arly, 6717.11.01 1. Pill, [bra' diobk and aunouerl in Ak,;lfanhrnafr$i Reart4 IsTranr. lbo form oad r f a axvrrf prrhuf null idso be prrrrlxcad lhmrrRG rnkanj* ri rrrr,ilcTnlx+alr{n Reumrkpm mm rrylimprrnr wdifiane. 2. Cnrlil rt rmMrrsrmarf rkres nrv ajrj lj k . rrvr lixi Seale ImkIIB. 3. For 6xax di;r7Jk arnf arrdkrl ai de •ilrmbrasbdp 11m;4 prri'mrm. itn7avrr/ orcmfd trill 1x11 rum I dir rnigh19146iR W ndn! M for jx+arnrrr/ jxvyaer(r ntvhnl Ynr,{+b nrkmjrdfmt of a tleruUY rjr Rminilillr am alkinlew arfffla k rq) M Poe rlowAnraq. nUIM&PIRsff."gmitt dnrdi+ rty>cTmr. 4, lm/xrrfant rmMforlbrae nrruW to Me AMrnbtsshl/r Karma /xrrgrrrnr: A Akvnbrrs * Renniallc pmgnrm redimpomi a ffrirle. loll 03 th• be redavnd lit - toga* Canhniorribm Berrg+A• ntf rail be linfi lrrlim a hkw&n sixp Abwank progrrm mlarr/tliau trf#b a has lxw inIfloemrl to rrnn-dkkwile OnIhntmbm nnrl w• rr0rr•Gnrlmtmrlots 5. lbcs rid t##v JIn Altr Ymi Art, ruskkm/s ?r Description of Coverage (:a RmUll Iles and thinage Insuranc"er ?pin?m?_d.res the QDidir m{xr, if the rnilmerdxi• 6 Ve primary marl, its W r W Mdrxv) with insurarve cam, W for (borage in or dxdt it loos Rerral Auun who, de Canimember tuts ile Crnl (as dsag t blow; to rscr ve ml Iran' Gil in aloe metal from ate,,' Coonnler d err Rerial Company tl mu l Cooylam-") other than dlc& lorded in Australia, Irdahd, Limed, ltah:larnaica. and New bedmid, 'GrasaerragtI s a6atsr.XM, irmrranm. Who is Efigt3k for Coverage You are elwible fa crnA mgo ff: !. You are a linsi: or Additional Cardimntder arl:un /uterican F.Kprl Cant of (rptima' Carl in mis ekairxl with that (And (the "G•trl-) has Ixxii lsud to (nit in svw more-. 3. You are of in ax ant %lalts and clams that is provided Car Rental lass and Ohmage hvmance :s a Iei61 of Utdrae nlership i°(anrne;In1w); and i. Your r-Aaccount isWind hanaUS oleroingcritk'rin ll.S.dollars. t PEW4INLAI. GOLD. RmiRE ftGrAd Canhnemberuito is en rd led al at :cersdimdkite)t cr&iie,unhersh-orI,rxiiateschoolintheIrittil "hats inn is r¢vkft arxknt kixdns pmtidtd m a IxTefit (d CTrrlnxndielship is rxr digl* fur hertdits tHxla this Policy -('arnrnnrcrl Car Kemal (innpane or 'car Rental Crmupan;'treans ant atnmercialcxrotulagnicyninthKitsRcrllalAums For alepurimslei this 1!msiplron of (;Waage. Commercial Gnr Rental company nxus "Rental Cornvam " Now to Activats Coverage (mtragt for that of or damage to a Rental Aram is adieauxl aiten the Cardrxmber' 1. prom his or her e!figilk Cant to the Rental Cnrtglanl to r-mvir the ReoW, Aulq by rrriiing a asma nn: or in• placing a hold or (deposit al de time the Ronal Aloe is d= W out 2 (leci+ws theiltf GtlsiHn 1?anxtprtFlcerorsflldproption i'am•"'), rn M. kit a parVrd collision damage wahrr offered by the Retrial Gnpgm: 3 is [he primm teow. wIii is dermal as the Cardmemkx who is named on the wrillciI a7tern alt %A the Renud cbmilmily as Lire pcrsm renting aril taking milnt and pixttsaon of ilk Rcrrtal Alien I—11ou n ttente); art 4 uses thx• Gail in fray for die endue aum vaned form Ie korlal Curglam art Ilk: urea of lth&' IMUNIr. Gram :coatinusinifixtwickthekanhrxardxrremainsitcadmland !msxsgrxr aura Bmra Amer A Canlrnenrhbet Who It physically citdkngtd and unable to opera* the Rrmal Nero, afar be the Primary Ranter If helsde 6 the Cartinanlxa entering inb de M ntal uattraai0111. When Coverage Terminates Gmmgc for Mot or davmage to tat Rental Auto erminakSwieit • de Rental Compatm rsurns oontml of de Rental Auto, or 30 axseateve (hip idler the RcnialAum was dxeked out, Whklic" is carRcr; • ilea I'tdin• s ctrtcslkxl Length of Coverage Car Rental Lm std Damage Insetrancle c(A us digdte Ronal Rubs when rental colder a w(dtat rental opttiroeav Inim a Rental Company lot no MOM than 31) MMXt Rm class. Note. In wk ovnI dnll trrrrrrige /x prv,kkd uixrr lbr' Oan/nternber rnrrd a Niirkd.Yrk, lx lYnrd j(i rmm?rrrfirr rkrn+ fill Nit's nne Rerrlyd rtun/xnr): rp,(xmrrdesesr,>/rrkttlxr 9x' nriGhtrrl ,gtrraneid i' cnltmrlrrl• nr ,r era li urllkrr anrxrrnafl h mlind info, or a nar rut wk it rerriid. Ad ditionalh, ie cm aw will he provided with the Pdnian Renler Kitts a Rental Au?b f)?r more that ftXM tti+e d:t)%(x9 Of A 45-day poriod Within are sane gesie nradai/lomdon (75 rrdk radius). What is Covered Car Rental lea ad Damage Insurance neinhimm a ranlmemba for paymentsktrdanxig to or 1Mtaf a Renal Ntto that Ilse CRnMKV lla is 4W to nuke. up to the kraal d 1) the actual oat to repair are Rental -:dub, 21 the witted:In* eidw mlous Salvage and depmclsion com or 3) dx: purchise invoice price of the Rcrrtal ono nelm s sAW and dlprocigion rift The currage abo rehnlmrss the Cardolenber for relsmdlk ctaC0 (t)ens charges incurred at the cl avst fadRty that am V13 670650 7/19/03 5:02 PM Page 6 usual and acsitrnan' in the N-kintti In oiiich the Im'e or disafdenxnl tad: pfaa) impnsd hg the RenLTI 0illpan). such as Im:ing or sloe- Car Itental loss and Damage huihmnee C(Avrs [x, Other u1e Of Isis. For ex;nnpfe. Ili fle Ltrrnt of a on lisfon innsdcing the Caulnu, ther's Ill Aman• damage to ant other drix!r's car or tit !n(un' of asxrc rx anything is nrA round. Note Ybislxdin rkxa Sal pnu xis lialuli't anlaatei<,r IlIllmnnl t1yd11i7.VX. IXTIOI5 ruxkr nrrr IH,nc?rs' Gnn/xrasrtinn Orr. llrsrMrih lxirr•Trls /nor rar [rtlxr nnnrrkrlar! (n.rnrvnrent flans. What EXCESS Coverage Means (sir Rrnilai l,m and Moingw insmrrtee is:nn t?Cl\y rnair.,na p!au.'ilri nxlus that this F-WINS axiraia: will ninAlm, dm Car inorber ml, fu l?%t•:pests mx11 marLdlmy pi:ums. Shin T::I p,mrtixl rnllisknl dnuagw wafer, ang lx'rxrnal auto iaoiu'an(e. einlA,nLrs:nnb, inSmrunm ix n'dndn ImIll oat plan or o1VT pr ire s of I;&winxr.10ull 11I (V rahrr pews apiih, a C-trlnemixr must It wxi( ixn,rknt or rtimhiusenni and mlehi- a delemilnaUon bend (In flit, swell cams of shdi rifer Plans, that aM Suit flans d, Sul thole =t a e hfrxw II1is I*-X CI;CS amrrlp' sill rdalxrw ate Canineml.r. Vehicles Not Covered Car Crv al Iris and ihnilp hsnrancx does Cora amT renntak (d: • upvnshv ar, wiuc h rwant cus with an rmgfnd nramfl allm s wgn •;i(si Mail )xe.'c !A 4ir1.(xtn rar lym (Thar IILAV • LN,, is raci rearllssof'xar rw 1-Sloe, I.uiltdfng. Mrnlol lflnhuf to, Ch!srnlM cOrsdir,'1'm!xa Supia,;:t mli R\ 7. Ilylw! tilxr:ud SLLaIIh, !'ittnrnnth I'nnd R. Mniiddsili ;tR)tl (; I''+i:ti;in 3110 YS. J:r•?um \ls'. haira !•.cS. blerral , Y. SIA. S uaily an d 13-4) thu;x' ;tad 1 mn:nfhle iIM'b' M3.''L)UMd8 hs.(';diilr:A!lon sidallPno'ix•.Fornio. 1an11+mghi::i. M:tsuriti. Agrnm Martin. WoN It ipai. Fabn'. SImRr. f fibre. Ikvitks. Rulb It(a•:x. • In n& i!ili,;-unit, (arpy, l:ra. rnim, ia:n. • fi!11-sized rmx, hKii0itt., hilt Ill)! llntlitd Ili. f"m) I'.aninihicnrduh 11;myrm, trims, tan ur ti{xnt:an, 6'K \Aixlllra and Rath. !0x4 g• INIII t.Pis and Ram A\ agent: • tL'Itx'k5 wilk'fl Ii:nl' nix:11 tii'ttrmi%MI of MedifiLd Imo Ills mra:r daaurrs (:icon- sti(ificilinis exeunt for tlliwr s :as ' ally a;uinnitinf for fix pinsi'ally cinallmW4. • :dnrk nallfruhimorconnueridpunxxsa; • mini-imsusdforoomnwittil it. Note. (115 -Moll linri-ihrrs f rYrd (1tr„rl dlmi- leis) In-0 jrdon' .-1K•Cf1kt/awfinq agxrrilr n'fflq& lxa.'rirl'yrs rar lrtii, indrnk7rq, bill lid rimtelro. oykvarrrnit lgrmwah Pnltger i'o+rl n=iPoldta'mill :Fin'rm j)nLS+. ram noels! Illh9! +n'ntA!Or jkrvnlrri n+• 'S1141/As tare „ran: • alilfccas.uidctnw;liscarolialaw2A-)i:nniQtrhalt nnthiri Plamdaetnnd for tell rn' nun, }sirs. • linxnt emus • I';:II s rnl slnni cnifin %14tidt-, including. but lid limikal in. (? crave%(IMr: Sudxndxm. Talxx a,d'?lhknt !+ad Ililxdidrat. Linra>In xa%iw*)Clixiaa Lin] (rum.. I.vus I N50. kanpu Rmer m full-sand f-x'd Itnnim; • .9womflit,win swhtndmlYi"rifamd:'anil Note.. r nor,+trd .duel%rrlilitp riiiic![s. indnrGng. bra' nod limped 1fl, Pbrr! 1%,14w'a; kq) 6iirnd (.hrn,lxr. A4s> rar Rainrckr. 1N)da 14mr li[lrrnLr: (lxrordLi IIkC(r ana !srlclr 1)TxyYi'l711(l !br, kn U+i' Lmrt'riY.f b a, drain [rar l+nui rzhrul,• • nil-read ldticks, nkiWmdes. fools s, macalinnal ruilitl-1 ivy or !»ntai:tld arts. cnn;,is, trailers anal any cnler sw!nick Mikh is nn! a Renlai.Auio. Losses Not Covered Car Renal Itas and Irama;R h,sur ux riots not c[xrr Imas almd h IT on,;rihuKrl to k' • ,rxrili(rl r>f fie 1011131 kilo in vF-linkm of the gm's and anxlikff d OT Rrrntid Can tan' agmiiTnl (fndlnling hart root lolled to kUs ocuahigwilo, a li_rmi nix irnnitnd to oixra4' flu %ehice pruaiml to ttmnts of dx nnlal agntortnr w:ts fn ixmt?s'artr Tor annnd rAt!m :xdncl: rar drhing tie,thidc iitits6k!d i!x•:nrlin; is,i rt,iL•d !lrritm. I; • l;L?d.nrmanik-teeivLdnid?s • algs atlrihukd In Ihw (:!nnnrrriai C;Ir Tirntd Cnnytaus's urrnm,d auix ,d tlOhtg Mtsi:xsx: intevibrnud damxr • ilklgd :xaitity. Sdt :as i sst, Idea afro l(tv t!al Anto x,LC rail for ra imnhwJ in ilk?d aditity,xlduny: • iM-crleingc[nrJli,nis,damagc:rik{u?t; • ale'olrUi maxis itfnn on the par ill the dre m mss tk(fixil in l! a 511T Wwri: ilicAtritkr; tx'cvmxl: • whin irilptakfngan?dnM,nrartfngundeOeinfluencearofir,ofthill dnmg funks token as pax nlxd or ahninimred by a 1WIWI. • war or nlililan all Wit)" • rdknxiicitr. • alille(:nixntry anlwrit'; • ra!ar ail xeif. fnrhkIhiIi gnda3l &", ratio": • dnnvi!;i'uinichadriadavnffltlxiWfariinR,nxtilani!.-drxlda]rral hrrdrkmn or failure mrksv stldm damn,: results Ilium a theft «xered by tilt 14dic : • failure lm imuni k(is rr, tie Reni'd (runmun telxn the iehicle is gtilen; • lie t ur lama; Is, nnri and lc licks , lndesdmutgal tm firG • tlef rtl'ardatua r'to firm (Oaks or ldorriuu) nnalick" mischief, raakdism. or soda. unless & loss is cnhl i r11 with std from the carne auv as other lass colered in, dm Policy; i d • off-(WJltlc'rafirm of fleeseh& rar Kemal Ina and Damage Insmratke d es art ante and fix-0l will 1ta tile !mid fur. • stairs tai relard h npair (ddamigL tanks reillibl svnalt d SKih sills tax is rlrpmired h Inns; • damar IN, any :brick, odxr nh:m the kentil Atdo: • d;ahagclrasxpmic,01ierihanfix, krntd.Auro.rx,vr<!mgtiM;;or items not IxYnlxk4ldv alw)EII M the It"Wl leak.! • Ow Inlun ed anam or anything; • lxlXrms :>< micrl tsubmti v pall fur In (1x 1tLnlal ti rt(:an., nr its isorr. • e\IVfK;u tr,:tnd lx the Gtnlnxnmh•U's pars r::l! ants insix r.,in1)6ml ur enpirnt rs iacinr. or:Milu,ririd daces imurLr. • salts akkd tax,)( similar Lox, unius rL$ldmmntnn of sid, tax is m(plired Ill, law: • log- 'of tae Iran hrillosal k ]be Itelntil Couli lac. • diminisluil tofv.dce; • :uniteere'duenisedfor[,ieat,ainnil lptgrses;and • dcl rociatkm, unless idi nbl:wnent for depnai:rfont 6 r,iuird he ltrs. How to File a Claim A ('41403111xr MUST twif:'tile Gu Rattal Ilia and D:Mnalya Claims Loft )-dM14K)y0fmnn klblmit i tat3SSlh71linOkC„",onl'M'call odyrlx•:nianw,xlhtirk', Whinl4!tfharrsrar :caliumavxt;hh.{xnsU)ie. lulhraing a vex A rCllM1Slntatiil' 4'If1:115::: f dime [PISkUl6 a t;:rldnY111dxY I11aY i1:Ai' std :Dill srlrl the 0irdil mxr;i dafm lain alth irLgnKtixts. UNil kit, and sill ale dafm fan Q'rine; pnrA r f Ins ::fish iicltuks dm claim lam a; d all utimrr nxpxaleJ,k amaynaiinl Amsted I0Nki.. nmlN h• nhirl vdllin fan ,lens tuli wil,g Oil doe (f nix: dairnp jr flesh ht.:vnNericar l )m s Car l,,(Old IrxsandIkmrmgwW-iinsUMI.,In:11tital111KInriA:Adit151ntg Crrnpen ), P{) ihx 94729, CleItlani. (A-k- ?4 inn-Y ). if Ilk' prxd of etc: and (dli,r d%inmertalm is tar maiad within (it rice of She dale or Ira, Lnmer;lW may erka,icA llup lied drcmncilladran may LialSig [d, IN It is PKA fiinit0d W: • (xtru,xdald0011VItUalclainnfoml; • :M ifeniirfd rlydr IdR; • it an ddsogg slip for the r ntal of the krntd AuW Rental Auto Contract or maddne generated remiph jr, slnnc total wss durtLd and paid frwi In an,nurerican Express Cant • a inltce mp(at if Alildirakk); • I)lolasddtedamaWdv(iltk.daeaildrl • a oilx rif dt C; dnjjj. is atdxuvnf drivers or eMI)I mtrs:alo 1,19inuce anLYal Or a ninhid/ed letter dating no irBnnlnim. • a ayn d all claim dementsand orNIMV-113- e, imoeidal hi ale Car 11,an131 t'srllp:Lrt; • .m aqn rd Ile Raual r?,ngrur `s nUli[a'xnm log; • :1op riOIL. ,hi(sssllzarerif]iTGudntinhaind%maudx,rinddrinr. unksx h L. l ens nnmrh rslxx:t m 11:e rc:n:d agrt Tot. • a c qty of tic wrIlkal rinlaf agranxnt, fr ll! ail N& wh d; rlxiMrioK n^art tle Rlnhl Auto w:: dmci;al out and ^ mrled ln: oral • infrximalatR•ttainingtnolixrmaila[d•iuatnnnmanerigclsj. (:anlnxndxr ciagierntiat wflh ts5uta related In their Wl is is rleplifd 11 all replied tl mentation is not raxf(id within 180 da:3 of the dale of loss (C.XcgA forrLxrmcritstiun which has not ham famished for rLmns belted the (anhrKnthers c(MtmD, w..+r:aW nra it, denied. How Benefits are Paid All Car Rental Ins and Damage Insurance payments oinflIU Ible ender de policy am dxnafde to the Cxrhnmflxx: Lxerpt that payment niv be mark. a die diemtial rJ die insurer. jointly to tile C.anlntcmber old Ole cnnnu Trial Car Renal Conq+any idme9 the C r Rental G,nr{ray has lint htn nimbursed fix the cmrred ln6S nr damage, or the ('strdrimnlier 1KLe not %.ill&; isigixYl hinder payments to tilt, I:enlal Ciul*anr err am dh(r porn. Note lkrnjil,, oral nxv h.,mi,,I, il. Orr iiii e.,&,rvmv. nn a)e,krfe,r' drrun/WAg'!;rnr1ilk(kill'g,%x,illill claim.pnnreuLurn•nrnnrrtrl thie orowir Gm/. kruitili 1l [vW,hrr!rr liner 011d is (mrad8d ' Rights of Recovery in the "11 .4 a l ami(ril u; xkr this 11di:,•. t hr Insurer is cnlftkd ar all time rights ref rixntny dl:ll Ue carlimerni M to ria,ni pa)mtKemt was mark. has against 8nrdhtr real (-inbmmd,Lr tree sign and deliser W dr- Inrurer can' k'gal palm relating to 11M mcrrmT7 do whMetw else is neresar to belp ft Insure eaem* thm c rights and do nothing after nos. to harm the Insures s rights. When a C,Ithnember or Gnumrdal Ca' Rental Wilt ain• has Imi drnd damages undo P(dfa $.XM. old adsn menus from choler: fix. anxaral rvow.rd Irma trite odor shall Ise held by ilia Co domniber rar C[m nivaril car Rental Cmipary in trW for the Insurer and retlnbnl4d IN, the exam of the l1wres palm, Asa aau$frin pnuakht W coien ge ill: Girdlrxandcr is nmprfnd, xrl has a duru to fdh-tMxrie with tie htsurr hi ant inle gatl(r s. Ad logilWit amen (a k•;.d pilcovdinip k, prmidingrap'" if tar :nd all l:,,al mxa us and MR andailsl:aimems.including sum siakvxilrsaalamtrilxuing any (Alta rsgvit and domle nti to rn nmilh assist in the disimilka M the llsd urdtr Notification of Legal. Active wirn a Car Sic riberts sanedwidisidt adror summons papas relating te a tar Rental Im and f)amarclaim, die Caidatem er meet ill* (sae address and ill"r number under -Oaina NoW cation) and pmitk ag)ics of the ail or su moues papas in tle Car Rental Lm rod lbrim Ciairhs Unit uthil 15 davs of *kn de Canim inber h said ftilum to cartldr Bury rLCri in denial d bcridiu. Additional Information for You Doh axwtnpr is (ndemlitt9t by iti11 Am mica' Canitam' (-Instaer" 1 fluo )1 itgnanx PrI i• WFIITS tde'Prdic)'i Itanhal to Amairan f xprss Traci Related Services (:+angsirt: hit and it<pirtli!rating €dtvdt'srLs' atfiliris axl licenses The Police malt lac drmpal or luminrahil. 111is lit"atiikri of tixeraitie airy imlortaf donmmaa. I'left kill it hi a ;;ill: idam Aflr ogle i dLarihes drepmse il furm(f hstnmrtaw is tt LxlsS at Ole flaw of ixiiting. this document is not tt Flury' or crintlact of insurance. 11x, bemdits desIxOW Ili this dos nxm We SlbJerl to all of the Iota, Conditirna Mid Whisi nis or the Pak is" by the unilawriwr This dmutent relibm way- prior 11LSaiplitrri of Cnserage under tie Tole, which none {lave ham fumiled M theCardnxmb¢ ih(siileY Serretihn' .4111.Annncn * ronIxin y t IFX Amu Nance Gomlxlnn• 51,74-11J,r- mm) 1. 1•nr kxrsr diuhk' nerd nm,lktl err d knnbusbij, Re+mrls. ?u .firrrrb r-uy Ratak rrtrLialfMaan arlryWr is rr.+t Lmmit;ty it Imi6kr1inn, A: kerikd:ltrlat milled in 1Lr f:hlktl Skilra'ri Arnerka. ?. I!ixw nsrl m mnjmiloWm milb a Aker ittrsimp Reunnlc rrrknilifkm (rr1!/rurk.&piikoisi r{¢(errRenlalGunfxinAwtalelimiledk, vin°r, :4U»n,[i rmrfIDa.C?e( ;. h rfie+life,nad e»+v/lerf ua Afmtbrvdii/1 kernsrrb, mreirrgr h rrlm adnirAr(amfrrr !be Gfniurarber (11 / n9nlc a Alernbtrsli¢, Rarimdr mrt'vrq+e'aretRflfio>icnml (3) rcig' n Akmbo+sf+;n Raomir relakizzl on arWjadrrrl a fnrli*afing (bmnNvr.d Car 811011 Gnrrparrt: hnpwrlaN Nilefns Abase ( litill f in The AfemberV* Rmwirk A.W ardwIl Rile h- nxrkm/x'i a arti/arlr penmrh'bemkwrei•/hreiq; *GfibnMnbx7tikrnrfrfsre-111nd brl?rid rirtr it IfanGersfr¢ Rmtmi rahw#46n cirlrfr(nk tars frill hrrnnfrrml M imne3gtfifrGmknembm mi(Aor nrnl- Gmlmeanb'M a. lkxs roll rgyxrr h,:t[er Ynrt *de rim/m& Program Qescriistion Reston, Ihra(rikri rdtati rout gtt:ra decd prodnc sitidaniai on deshpital ikirs purct dani ekrid, an eligible Anwrican Fspmss Carl. If ;xxi to hi return a Ulepratel ilea within 90 flan from Ut date of purchase and do nxichant sari 1 Like it back, Amafcrm ExIllLa will mhud Or full puahase prin. tip in $3M filer taritcxchtdingsittppiig and handling, and lq) to a maximum of $t fl *annually per Urdinaider koounl. Now to File a Return Protection Request (his' 1W Bale ni'rilled ft the mydtatU rill not aaept IT dsrgnaled item, call 1-8DD-W-8019 whin 90 dss of de purchase dot to n all us d Herr minim. tillltir iii days from the date of rev initial nil, re mad in matte the fdlwing • lkigiml strw reolipt • .4rciicrnF.q>nssQuilrwmrdrfeha+k'e • Mrodxaicnadeemedreaawinhllmto fraasswurequal IN" nrxv mflw l has been app 11 you will be frometd to send the purchased Item in its within ill doss Please kmp a record of your sitg+ping suenent as You will new in provide pronlf ill' ping in die el rit that yav d(siplatrc! iisrs am Sol ttrtiml fist am osp allik' for the shipiting and hand Nng edrarp for de Near. The Refund- till to ;ton per Item and tip In a =ihmun d $I,otM) per Carlnxmlrer ixr )car- will be. lrfnihi mad in )o Limitations I'uriiasLS mast be matte. in the Untiel States and rbarBd in full on youe card A dad will rot lie paid If on the d* we raadce your Return Protection Repheu, or on the d a* of ievuld-be payrieml cry' amount on law Card Acrnmu'apo due for one or mire billing gcle(s) or tour Card is catcelict Refunds we limbed In f30!) per desfgnaW Item. and $1.0110 anmtraih imer Canhiardxr A would. The item mug be in -like new anhdtfon (nits n•isibh• taxed or wvm) and fn rarkingader to be eligible. An itun is eligible If k may nor be married by the Uninictder to the nledont from which k was org*&' pnrtirased. Ache Iran purimamd From a merchant that has am tslsb WYd munilsafidactitn guarantee program %dtich is Amer than or equal in 11e hams of Ream I'rt>tation, and protitks mter W for clatta.rdt rot be eligible lea a Remus Protection Wan 1. Pmrirt mbaim dia auntsor mtrq rooftd from lawag Price MMPI. ism Program; wfg he dwduerd him Uhe (unions cost of the Item lit nnaximuni )tar MR he aanpnsm+l wtl nxA ose(d flu nruhtd utlnm s Ststtif mta8 price. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor -t, ofutu?j??? -t, -FA t 2a10 "'? T i 1 ; i '1 3; 3 I f- I? COUNT American Express FSB Case Number vs. 2010-5767 Shane Doughty SHERIFF'S RETURN OF SERVICE 10/11/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that on October 11, 2010 at 0900 hours, he was unable to serve a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Shane Doughty. After several attempts the Complaint and Notice has expired. SHERIFF COST: $44.20 October 11, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF Ic; CounrySuite Shenff. 7eteosoft. U,c- David D. Buell - prothonotary Office of the Prothonotary Cum6er[ancfCounty, pennsyfvania 7rkS. Sofionage, ESQ Solicitor /0— 3./14,7 CIVIL TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 28TH DAY OF OCTOBER, 2014, 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 0 Suite100 0 Car1i'Ce, TA 0 Phone 717 240-6195 0 Fax 717 240-6573