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Home My WebLink About10-71261N THE COURT OF COMMON PLEAS OF, , , ~;> ,~ ,. CUI\i1BERLAND COUNTY, PENNSYL~%'-~N[A' ~ - ~ ~~ ~~~~ AMERICAN. EXPRESS ; World Financial Center CIVIL ACTION ~ ' 200 Vassev St. New York; NY 10285 : Plaintiff vs. NO: f ~ .-- C ERICK JENSEN 141 W LOUTHER ST CARLISLE. PA 17013 Defendant NOTICE TO DEFEND You hive 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 courtyour 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 iri 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 l?ROVIDE 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 ~~~ °-a~~ 3 IN THE COURT OF ~ONINION PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS WorldFinaricial Center CIVIL ACTION 200 Vassey St. New York, NY 10285 Plaintiff vs. ERICK JENSEN : 141 W LOUTHER ST CARLISLE PA 17013 Defendant COMPLAINT Plaintiff, AMERICAN EXPRESS , by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: L .Plaintiff, AMERICAN EXPRESS , (hereinafter"Plaintiff') is a Delaware corporation with a principal place of business located at World Financial Center, 200 Vassey St., 1Vew York, NY 10285. 2. The Defendant ERICK. JENSEN (hereinafter "Defendant") is an adult, individual residing at 141 W LOUTHER ST CARLISLE PA 17013. 'I 3. At all relevant times herein, Plaintiff was engaged in the business of extending rredif to potential clients. ~~~, 4. 'Defendant applied for and received a credit card issuedby Plaintiff with the account number 373954157401008. So 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, 373954157401008, 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 creditcard. 8. The Defendant defaulted under the terms of the Agreement by failing and refusing ito make monthly payments on the account as they became due. 9. ,The Defendant last made payment on November 12, 2009. 10. The total amount due and owing the Plaintiff, is $12,671.34. 11. Pursuant to the terms of the Agreement, Defendant is liable to Plaintiff for court costs. WHEREFORE, Plainitiff requests judgment in its favor and against Defendant in the amount of $1?_;671.34 plus casts of suit and any other relief as the Court deems just and appropriate. Respectfully,~submxtted, ~ i~ ~ ~ -o Edwin A. Abrahamsen & ssoc. Michael F. Ratchford, Es ire Heather K. Woodruff; E uire q Attorney LD. Nos.: 86 5/207805 120 Ndrth Keyser Av . Scranton, PA .1'8504 mratchford@eaa-lam. com hoodruff@eaa:-law. com VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff,AMERICAN EXPRESS CENTURION )SANK, 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. v13.67p65G 7/19J03 '5:02 FM Page 1 i _ -~_~'~ VtrelcomsF to American Express Cardmemhership `shi, rkx:tri~nt anal nw::carm?;ur:rl;;ctf,kmGlt(si u:.~:ti^:.u: yrwf rs;;rw-<ntmt. PkvLSC rttl a,tJu¢7: (t?is•ignxs,rvri. Ahitl' hr i_<u;mtc tC1tc ~s kctt,, si;at r;-,>cc €Ir Can`: icstx,i In vu tnxhuiing ;roc m:1L~.1 nr irphmn,i•nt (~nhi, N ,nit t,x Um ;x+:rant':u:.~erttl with UtL; ,rcenr.:tt t;btlr `:t~ntint"L salt a;!me L+? the tL•miti rT this at<R:~nrnl. ll,errrJs `•;t:tt:' "snug' and':,ors' tman U,c' p ~,r, t:dx, ap pti~J k,r Ut; Ar~r:tuit aid Utc lurs,xt trr n'tirznt :;r: a(EL•~ bitlin, s1::unna.s, as ntai us arts itrrv,n u°.w agr.•t Na lk tiaiik m? ill` Arnu,r 77~M "C:1sic CanbnenlitLK' c'(Ite a(ne.~;n uita ap~17i €?~~ 1•~•^n!u.t Al h~:u rxyu~, a•: n,xe also issue a (ar(I or, ;onr hrount to lnoficr pLrsxm (ar; "A,cxtirh?a(i:,rhnanlxr"). Tl,e unn "C;nJ" n'fers to the.nnu,ic?n li:gxec:` (:ir!• iL+.rLd w ;•nu all nihL•r C,atnls i„sL;•d on }•our Frr.;tnL and :my ct:~t:r Lt :im (sn;ai; s Acrnr:,t nunlx7si ufih r.•hidt trnt m:n :Kra., gnnr?.~auni. 7Gt;' °our" a,t'J -la'. m((•r io M?r,',i`an Es~lne; rsauuritmA:.t11: tiK• isr ~r ot,tlun~rmL Using the Card 'i:}'.t m: 2h^; the fanl t. nh:in !tn!6 a»nI s'•:n<: (ram anr:xrsr.;;,cho aaxq,r?Ie i:;!rd: T^trartint<,ru ma•W in m_=anur I pr:.tn!niicmal niicr+ Irr.-:n IC t" lI} In:sLhici to Ilu: ter)tu id i:;e p;~Iln:li,1• :IINI'•:,r~ A(;nl:In; ;tt wl auxaua: ch;,:r,i u. ;rrar k,+:amL iad!ulf;1~::19mc: (nr txsn sa< ::nmal (ras), i(a;n, am'snsnrr:L. f;:ntr;neh;^d hs .n; otr,,c a ~,nl r!tlmr (•.a1:md ru;•. Finanx thar!~.a. am "~ har~rca" Lei aa;t[' nt €n li9 ;u,rlr•!~m trS a C.anf r-:utL•+ C:e•dnx•1nlu:r rhltx: ,las,c iS tilt it trot :y;as IA m ~I!11>; it Ilu: C;:rd i> l,»1 nr sird~n, ar ttn, as,(;, tL•;a i; is h;•i<i; uxd »iil:rna :our pcmui>sino. Tru acme to :LS; Ihc.a!•ct!unt nsth for purdtiws ti,at a,c I:rai;i as~J::m<.-;crroi:~ei;~t~rihis:4;{~srrznt liseet:tom oth;•r.=.iscrrliialhs :!)q,':M~d,k fattt ar nd': Hat Ix rt'~,!'xrinl(• if art; mLrfiam ndu.u tc liunsu the C:uJ urtur ~.ry~ odtar gmbhmt T!n1 may hdce aril, a Ir.•e; haa. T imfanl has,u: p,:-q•C;pr<xling titniL Fad! {?tar.~• t.(^;)l;rtwd ht liyn;tf t,,ur slxa,di!,; and pal°mtr?I inntm,s nrt ;stir trslitnt 1 id r,ther aaom,ts };,u n,ay h:nr with ns and nnr aJTiliatts, ya,r cr:,{i^ hicon; i:rlnd,ng tgx'riGlta; tciLt xh:'r cn~iW;s, artd *rxtr a~,nai nsnnrs intnri to us. t~c n!:rr~ the !rghtto dLm. ;m!: nhue,1 fen' anth•,rrailra, for a G;wgr; tFn in:r• nL ~ n~rpxK'::.dilitirn.zl i lfnm:,tix, tnnn au at <m• t'sn:;. itfi rnx: tsa:c t1i:1:a sal an'trplaa'nrsR'',rJ.c lidate a ntr^tri;:1[st!(rl r;ar1 euvin. It +;~U n~:ai a:ktitu,^;d t„:nlnntt,iri:mfharm a thin) p ry u, bill t ";tas or: a nxureinK f;:r ;n :r!ur A:i Hoot (`Rtr;,:rir;; :".han~Mxi"1,,4t• m:n• ?hc,1 an: Hat n,p,irc;l)n; p,rF:,J, snd; Lw rrrti:u*.,h :rn.rnlmi=.t 9rxrax,t ~au:s..: rt; nan,lxv anaL•'=u eF;,iru;~ rt..•' to f±:ntit tit;:t t:;nJ ;^.:m to a,!Yintx»illin~.,;ur:lr_cc::un 4F[,na ta4__rd,sic^;nc:tnfft<rnaarunt uu=n':•a: J ,n5 Lrc'it ire isu:. a not .• :,'.~7d•rin,enl C:uJ In :::,rnrm A:1Jlfrinal CariaKmirsr i4 uiUulrra a(ul°iri-firm 4,ri I:axa.inin;;r;namr:• pFtnnitk nnti~ Lhc thin.! path. f rumt s to Pay irnt pnFn at i; rn:• all Clwr,,s, tact, Jrn„ t"..ar,:a 1 lair :,i bi w.ldiGartal (;ardmcmhs. (nt,o,a Aaro.u?L Tlt(c pi.!mLC In^'..Jrc a.t, t.l,urrie tnrai,idt ,txtorat, ddit-rxtart.:utinxsn>xsi:uhctcdar.intcrtni~mlydx•C.har~c, iwLm it pr t nr tim:,ridititn :tl C:nzlnundv_r hate nat. sin,al a riwrFt• fern nr pr~'nntu4l Um Cana YrRr aLw, pmmUr to iFSg at:? Clnag; in^un•ti lr. anytxr than :nu rent: Aiklltio-u:d CardttK•mlxr ~ tFS^ ~ Car, 3i~: [hatlt t=Fu l,a,t- n,~L+~l nattn to atne,nc etx:;:s>_ th( l:an1 Staves of and Responsihfiity for Addrtional Cardmemhers A(Idilin ,I C..r.Ltten ixrs !a nut ha a-^it t _~ kith us instead, rhea are antlwn~a.•d Ls: is ai) tztar .xacrt, , w lht CundsLtv,:d to Utcmt ntay hz ranallc,J I,r yi?n or it at am• htrx. irat enlist txrJfp r_, t:, r: troic an Ailditinaal t.nl n~i,ix•r s pem,'sstat;,n nse 4vur A::.,nnt: tau am n'sprllrhk' tUxE•r inlC 1tiertY9,x'lll ter :in n~S' (1(,+J`:r:1L:'r?Li tt114' (l K' At1dilPri.t1 .:nLnc:nixn, an:l Ise amo+m• tlx sn •x..n •aJdumrnl t::aitla,r nl:tr kiistisc liar Canf. ;ntd the r',ars , s i•,.-ar r ill lx• hina;•I to .•nn.l n. l:.,tc,ti ms7rmcit:ilih r~tn if }nu did rtnF inttntd ter n Aalditia ial C:!rd+ncnela: nr nihtr s;~:n. ;,F tLx d,e r;;;ral fnr am A,: r,(klitlnnai E:uilnti:mlx:r is n!H liable far t:"atr„~• tsar Inrd i+.' the hurt t;,;rJnu(n,l T rJr Ir~ a;tht•r Additrrn;al Garinn`nlxrs. IhF:CaY. b; i•adt uw L,f thc.~ldition;tl tr„-J is inrar t:harg~. Ua Atlditia;,al Csutkncrntxv india:FCS Luis ar hcs a;mcn,Gd topaz ucG,Fr tiA• t:hargr if vo fail to rn ,tfuset.rpa tel:,nd't:mavatalltdittxLtiul:.ntirstm,A.khtional ^sdnarnthers k~r pap^nent of t:narac tlu':r h>`ur or authorise. `bu at:Limire ~u<. Eo prot:;k.ar;un,t irfnrrnaGa:: t(+~:Llitfoaal (:ar,lntnn!xrs :u:d uF dis(al~ the AL°rcuint s.itis Urcnt. 1'Ga :t~r3, tt :.u~.• cad, ~dirntai fardnidrttic a' rite new he ar st>r }Feo-rm(' an +rlal,trrial C.anlata,tlxr UI t,iti; Weary r:a';:>~ n:md, i.•tu,a;:gC atxl to ,;drm»7u=t dx•n: Itim r.•r her rr rite sa::e tta , ttt nr era uiift fi,6,nnntiv .lx>t.ttrx,.s(ky:nlti,dkkr. lrttltcC(NSLA1,.t?hLptpi9\. ,1.1.F;fIttNF ,id:IltfRh•.CAr F{r)plllPrs,',andSl•~St'lihal(,h:' C,,ikt7l:;(,t,It-~yin.n.iF,.ttsns7an>~;,;', Fiexih}e Payment Features t!c m:~ ,rJ' ice. t'txt (h:a ae h:rt:: ••Jdtdta rit;n ad,l rtx• rr nxFn• s7zriai ill:m; utpnttr:4~rur;11a1 pcrnit }:r.: pn,-.K.x1 Icy:,n:ra i.-, cari!,xs q:arn s fl:'VjJI t lb''.:i,l,lilt:tgn4"•r1C1Lt•a.'lirftih'e•~xcialltl;;nsavdltcta ;;n;te r9x_'~: f.(lurts in(httk,llu n t-~ Itn, Jl 5.,.1 c~ 1'r:,:l; I;tltia°^.It.,;m[a;t:1{I!,i•ri.i•t^Sr~•cL ..3~...:in:r,:^1r.,ar::,tnlfttsw,: may make. . '~_~ '.G ~4it3~l~sii~.~'i' ~Ff'l~;T~?~ t~\.1Rr)'FSI~?1t~S=1t l ~4if.t~;t^;1~. ~~Iji31:`;ti ~,P~"v'IL'fZi{)~ ~s:3~h ~ .~ Tim Sign °: 7mt=.d Featur i>"m:iu: w!!, if e.i;tilrie.. tr. ro:terl irr„xre,t fnr ai:iinr: ilNts.9s ,x,;h+: ai,q, ifdr.4;, ptr!I:tid 3,ur tLS.k:,ts, ~ti~tair. t":,aria ntada Outside. of fm Cniud ~tat:~. and m~ q(Itcr i9tr has (1^;i.•;tahrt ht ,ts. lit (itrt !n ttz: this I~:u,m, itytxt an: rligihlr: sru n:r.;< ]xa adai¢' tl• Ir<ntti aL!tnt. xidine. ar othG trnel i;w;,k:y awrlt!at tirr: }va, ::sir to da;'rr if,Gl ~It111}t tUltr %L-rH9el n:)tnbcr t:n p:rn~tiat :it lire iin,^ Ld ntlr..l,:;x:, ar falku'rsI> rpra-slnr,3 n!t~:rll7r,hy,c 91u IixrLat!Lrl h:rtna;t ttl i!x i i mti!s ;,%t it Lii:ibk: icy .(Gxl ; •arorr: t:1nr all eli~ii,k' Char",e h arhis'tn„ us ntti• 5n,c that snn srixh larln so. i(this r ;tmre c aiftkJ tatm:r:lcc(antl, all of ;.vnr cli;;t9,le Ci,ar;;'s ;,'ill iZ hilicU rrw~ Lhe F~,aul71 i ~yrtt,ri LjAirn, FGttnm ter yo:tr rrcaunt tllgtbk fitawC~ mean: thn;t i:nnrid;Lnl C1sar~ that are at ar:ilwti the dollar ;nwlin)t disdn~tl totzat r•.itcr toucnmll iu iris tc:JUrc, (u art oiirr armzua rk ~;mrtuc he tts T9tc iitlimtvtg am ec:nnph~ of Clta*tcs that an) not cli:;ilFk {:'targts ianres tts1L w,xrirun i:el,r~; `7'ra;cdL;,:i ir:a;,(„ t>rrican i„7mti friL+;Je;dor. ; P,i:ilc~? ~~ `;' in;ttrana:, tca' cta=c aral nthcr u;nsaaians dGtrnirxvl by uc 79e: l'Ir•dart .i atarc prnnis rrw, if ciig'tb~as,d tcxxt n,:,ua7. tor.:4hed pair, n•nt .il tix~ ixr -n?-f dl iF:d::u;, m~ a i>;1rtu,n tl?rnvtl, r"?a::grrc:r.:+,u unn~billiaetiai(„F~.tt:19x minimum ::Irau::a fnrwl,ith ;:xt;tcn tstr:a p,r.,mGn rot any ix;rtiar: at 4nur p:,~-ins::!I hahak. ,a;rnrm i S,iAt 'fix Bark m,tV d!att;e h dcsigaa!io udnl,;G. fharvts am efigihlc fnr t='vs Sigr:.'4 Trdmi.aam,rt:uxL•'rr 8re G~irndrJ i'aj,rr.,,;±;htirm a? ar Brix. A:n Ci?art;ts f ta, are not eligible in*. r::- FdC? i;'rq?K:B, or ant; otL•stiG• •ligil,la L~::t!Y,~'i (ar whidt •r•!vt l;a;r (d'_tad nnl to L7tt:71i1 tktit?r; ,L will hr altxc bt full tsm „x,r rrsint u ti-~ billing stu,.m=tt. FJditin:;an;{ ,Ln:• G rqs incu!rod?N a t~!nirtrtm>kr whr e,:r> eligibh to us• um of Ulu 1YaL+v~ 1t'iIi aim k due in full tryun }t,'~r rt•tAipt r>! tlx' billi!,g st¢tnzi,t. Bill'sng StatementslAmount Due Pau Ftu,st not(ty ue innr;a,li:nelr of :err J;an;,e in Ltt;• nclilink ar e-nt:;il aiklr•~s in »itid, t4 sGtd ililling stautt;LS:LS rt natia~ t:.1 a billing stattaltG,t l,as hsa? ~;stat (`Itilf ng »:.idu'). It can nth a Initi: h.:~d,:i, d,x,~r in asd to :nr; <• than am ars,a: xra inainL:in wide a<:.uu mts1 rc;ll tat Son anti tb::t tik tn:r•, alsa u~ate tvanr Palline kl•Jtrs if ::; rtrtdH inton,atku, that ptnr tilling ld;lts',:ts cleanest ar n inrnr¢tt tee al,pll~ ilrrc t~„s al tl:i;,lgrtnu:nt that Oar hM a,m :sLOniing Si r,:ur t;ilnng ;,ddr~s 15ir at: nt:~4r itdunrition thr!i tn: l:as dl;ntl'<duntr f ini;t); :4dilr:•o, tbr!n unt,s r,t il;is.4,n'<•nxnt th:FF rtn° :I?;xtuiiiltt ra, ?~: slam nt N nr itilhrg Adrk~l:tin :g>I: r to tlx ertin: h,lana• ad?aur As7sr:,t. inclwnn; L•ui:,~in,la:,s. 'si;mh bdiin;st:ttenm:r; yin rc•(kcl a'`~; Ralana• a,rL itt,;ur h:L-!rxr ind;nmc (:iiar~a inuirrrt n,t a:r: F(antrr, a rhnm,.,m hnitr:rnt A=. iix• °:imatnn ltrc' 's tiu z:ud r tit iii} (Yr:c~ , rxr,tn:r:4~;:(e?nl rah(r list: Ihrnr aiaxvu,l ::ith ii;mtna lilts ii 1 the `.linr,n,:n:trlxnua irw td[~cttlmi l>vdan:•) fnr aap (:a'+••SaSetrt ttei}urth h nuns. i!hn {iii) raly prs nw tU am prt^.i!rrsl: bi16J N.rx.t.t ih•.r: tl at r^nuni,s it,p nd 79tr ~~na=rot lkK h (rue and rard,k~ tkare lets nYt'1:2 ux arms,;: c!y. umrt: Sinl n:.rc pm'mure tn::n il,e •4rri:+unt fnic, ul? to the 17x1 bala!ux Lm ;-„ur S~',LIIL :U :trlt'LmC 91se Afiliimum Amo-unt Pae Ior mti C,ha ,w scaatcd tuit'n fe;ttur;s e ilI he mtttxirl fi the itrte~ aitale dutlhr d gm•tter tl "r Sad and B tl:: graE; r aL • ':>Cnb rurilw cainbilml Fda><7 0[ an psu:,,as rot Jn tlaan•,'rate nt rite hillir.>;eauaixa,L • the attz+,E 1»n,xl I•inan4 Cl,ar~rcs, ar • $:U ¢u tncront',ritxJ Inim;;s: r~utl ftt.2n•; rte c!~s ;F,a:, Stn). 'fhc'.rnimumai,rtntlntct•,ill n,tn:a~lif._h~&alanLtt Payments All r:n'!txn,k mnC':x•;.t,t m the. p;nTertt ar61n'USlarn;n ran yvnrbillir,y stat(m,ent and nuLV i?chida the r,+nitLuinS ourxm trrn,l jvar i,illii, Gat(amntl. PamLt,t b dtu utxa, our read:t of the htilr.tn staren¢y?t +m, tn(~! p:n• tt; in I. t tuma>L~,•, lath : st. ~ dr;tR nr. ,rtik drag+., :ut I' S ba:,l(a;nl Ix!al,fe in t :~. daiklt[ ar~ith a!s~nliaM.c ins;i:mK,n pa,;:blc in t`S. rlallar.+ a;w cknr.,':,k thnxigl: Urc i[ S. I;IU:i,r.c:;tCnt. tx U!nnlJ' an arctmnia I,ayntr,t ntL4ltrvl cicaral:le il?m,t;•It tik t:a: h:tnl;in" astrm. l:rur daunt mmtlnr mtK h: b :1tEkt1 cm r„iU1 all ixranatu tf~:r aku:k• to ampt :, I!aprp;nt arule in a (arm Lttiri:x'}; prxt a:xiu~rtx• us In cl?rxFS(' a a,ntersion nk that h :uxc;Aabk• la?ts u? mmcsl;m:r mF,tittanr,• i1,W l; ti. aunGla; nniC~ a tt,rii~rtar nz is rLyttinxl by L^ti p?'nxntts matntming in the abort' n.*^;tirnlcrtL ll,a[ ^r m::ti,:• tw tank than Lxx:hrarsptriFK•dm,}tn:rL:Win;s%t•_mentttillbectediicdtr, rnn Asount ~ of inc Clay m^.ixrl lnrnrt~iLS po4~rning In U,c ats>ic at~lttircmm~G U:ater t~;itr• abet the haur sn^iful an y(rs t'illa.;; stutent(mluill tc tmRi!<~Jtn tr!xAac•a;tt ac„[Ux ft0a:t•htg(Lne t(i,atmhJd drts tar axtinrn, in Ilx' mc;pimit:G,a dalr'<I a<a>se, Lr.•tbling niat• hc• drl:nzal U is ir:ipprJU: a~lnir ral t +,arg„ mat be im±ttsrKl 1C e n n uz(T I tk {r,,rnr:mis, pal u l p n 1(•nh n n pazricr+s n r al :r lx t..h , ..; awn! in lull nr as i>rr, g kvl_me•i. e(~r:y d;spu:r : ithoul Irticirtg; r:q atrrtrrights urvkY ibis ,i;rcthm!n nr ntxlG the tau': {I;±r aca;pl;uxr:d am scrch p,ntnc»G dx; n;n snu:n ;:r ;rgrcc le ritanne il,is Agmmmnt in at.y v:t.: Pali. agra: II;:t out nc,~+lan~ of slxh pa;mtslls aril tun trxrak a an arortl ui c:thsta"ti *r itl?m;t nt:r prim rtrr~~ u, itten appmral. .tay4sll,nlydiretw,~imr(:. ;ur!rrrbxcfr;'!rt)^ncm'~nnd cF~d,',r rrnrvr„ • 1'rrlrnxa rags l r n;r!s art ~~rn .k'c*:rw! rr, .-Fr• n::irs^ i n, ul n,mFner• dr4~•arirarl in'r6 ~: cur ~a tl<•capl!cF7. to m!:st etc 4F ,cin apl,h; a!xl allcen4 tYR~tk^»Ls w Ee:tum tala»(ts 1:nt, a:,d fa:uong FatWm t;da!tast first in i ~rurn: lF:tfar:crs at fa4rr AnmFa( Percentac Ratee h:t:fl'Rc'! and U~, k: bi!wr APR F~vtti halanres. In anL'st. tasrK, ut'. eiil a111ti; pt:trf,as: arJi>: ttrst to ate l,alat:a'. from c,'hidt G'k (srm_;ii;x;dingdL•bitniFgi W;vLik,~~tr;fars~i~l?~:;dministraNt, .:>i:an; or atiur b•~inL~ m~"rnu.:~ ma;- a~?ly and :in(~!fi ~ srlenis:rod cr~its anion; FcnurLZ and to Char. on p:arpca,unt in sex)te other orcler ar nuumer that ttG ma4•dettmtitx: i°e.tnrr ~ dis:mtion. Foti amc liar ur Ita4s Ute w,rondiL'vita`; right tor;~ae Utz discratiw, in a r!ay Utat i ntad fa,vnbic ar mntinita:t fi trs. Authorization for Electronic Debit to Your Checking Account :C4 taa.•r ~• the right la arna~;lxsJs rlciirrxti,~llr bl° nsmnittiitg Uc anww,t of tftt• ci>r •k, uz mr:ting rFtJniw~ ;crxu,t tiumbcr a;td: trx4: semi i?rmi>`r trlynur fin;nui:tlrstiank,rt. Bc zF;:miting ~ rlsck far pay:^.tG,L mn anti?nri:7 is to initia a>f chst~•s deiiit (riin mt:r tank br ctsnnn. i(rc Pnr~;rtxrr ~: erstmn.*~ R}; trnFr ~ al,im;Y; may be tk?iutil to }t,ur tend: ru :eel xcnuL dtc c,mic (L.r i"r n:.:hr: w,urthai: .41a:, n ae pra•:(sc+•wtrehL>~: ell~reu'1L~Ik•.lrat will rintnrcd•.r thst atnadkd ; ht~l; with g,xn frank rr.~ti aouLnl sta±nxnt If Rl":..:mx1t n,lhz'S thr iurak:dt~rn,icaih::i~ r r~ iittca dr,h a,:anst „itul?ant.,n a~~st arrant for tbr•:uno;=.nt of the crd:. ' Finance Charges en Features A Fmm~ai'b:ugat:lr,,hrtnacssforr.,dt(~:nrl:nurtl•><da_-iris:~td;d kF rte ttlilr balanr far a ~ cRut~ ar d~ri~,i Ixa!nc I lone.; (x fbants 1u3wr than IrnLnns ~>:trM5i iltat are a1kK1 u;:t bala:tee ::utnmafi~:Jlp,w s'•,ratxe (:ne:V 5 urn a~nc in any bilih,g{c~rfad in ^•hid, thi rowt Aanwttl,al~t:scn U~ Qasngllafi for theprci:tis IullistR p^ria3 k um ur a cmJit `~aktnc. H. L'adt Framrc is::FlFxt a: tr.: Satre- Daz'h P(7indic Raft ('llf'It"), unless uc natiit~}nrt e>=Jkttsise Et;r~ asprnti?x! hcin4; r 1mR For cacti Feam!e is brstvlrxt ar::~PRadttttt ma;'tzrr TheAPti to dte i'rttc Rak !descrilxd h:lmt7 phrs 9fa3"~' .A"s3PR is l-ao7h attire MR ! ur i:l•Rs and APRc ;dyuar u~ Utr ~•uirtrparsrrnsupplrmt;tf{s1: t~'hG, ari:~'R dtangc, a~• a~ilc h to a,n• ~;ti M.ls~e wbj;z:t m iltat rats C. 'Ihe "1'rinte R;nr" a'JC(L4triLn"1f rnxx uidt rest .ct to each higi: ,icerirxl, arl ~,11lic's u, the et5rc bil!ir.~.;~;[L lt;• t'ri:nc RiM tru hi;iittg irrirxls axlbt4(n:xFyadMxtn nn~nlitcth~hiilJr.~tl'Fi,rrelt;nepnbiiltr3inilec btal?cs t t ac cx"xiar: tarsucte~e xstiati rFf 7Tx~ dFrr71,Y!?x~Jcrrnra! rn, ilm ]s (u 2frh:L• r- (r>G in each ~ ~stdt ddtc "s :xt a husi:x*_c (la.; Ute 1k"tt l+nd!~s,t:n•} rd tiw isriix'~k,dar month. i['Le Indi.V!zt~! ~umral aas!s ~n,blicuior ar:~ rr> ptdilisl: the i'•rinw l:atc an uUwr of inn.: da;cs e; mas rttitr to t~ i'rimc F;atc p~ii+iad in an;~ aUter ma::t(: ~<v ar` gtv,crai •nr^tL 5a,. in tset. Sr,rk; Rrca list; rn ue :nn• s:Fhstiralc a si:ru1ar ndatma:rte at aursale datraitm. :. The D'YR {ant antyrntlmR9Pg3 or ag 1~(abt~s may itl~ to titC iktaullRxt<i ah,rin,L`irRe=i[ts=f4a+ad .)yrour:hxountsd@(noirmt on Um ~lasin, Dar: of attr tircechilir-,, ~iotli, i ¢i }o,trMaFtnn a d~ittgr;znt ai L'tet]osrtyl>,[: d~rc txer»ttseattfx; biltianpLrindq ar iiii) a, nw a~rrxtw n(rniarr<:pu4-~m[n s:i;xniltL~1 rnF }vnr aceFrmt is not hr,o,ai t:, first Rns:,;;ruaG. io-:Fr!Tr_onrit uili be op;t<fdrrrd dshtxpsrtt if p;ttttLntt 3ttm Arcrratrll)<.>i• frclm a I nlln;neliad isnot or..lit<,iltn;nlriazotm.h'the~s, 'ateotCn :,^>1b,llingpericd 79ce `RLkY"a I'cri(tf- B iltr p~td, axgmn5t a al>t,r~ ttrna4•ft Dave yrarc t,f ni+eltra,ttscntGttlhlhrglrsldin,ath ~:CJatngl~fiii(the ^;nu1t billin, pcrh:d, ariuiherce ever w r..xhil acl,•ucmc;n tor~dF snit billing t.•riad. €f d,c F,dartRRate a ap)tlicd; R will appF• Fu txn Anvtn,l (w tueht mryrutitrh~ina +riad~ h~ginningaiU, tl>* curmnt billing pcd:cl T'n:lJefault R~ a;H errs apply to mrv bala,:,•c rnr Fc!2urs unle,.c r is hi;~tcr U,mt ;I>rv raa• lira. aouhi oUiir: Lse y+pl • to that hakn,.T Tlm IktauN lt:tk is a IR'It a( tloti^9 uittah cnmrr,tuls in an dPR of °?!K)°n Average Daily Balance tVietftod for Calculation of Fnanee Charges the t:x• the A4tda~ ltaih° tiai:r;,[e trel,ad w rladale t9nrut~ OI:Irt:(•s an wur Arentnt ti:sh:r Ibis m3fxx4 tk ~IaiFttc U,r lrinmta tltarges wt ynur ~.n»nntbp apldpin;thel)1'R N.~ ~~~Dail}• 6alancc 1•,s descrilx'd txlaw)FZtnrafil;•fares:irFratursldFj~bad(U'eara, DPRiP~iuttiee airmrR trtLVaions) Diifinent f7PRs maq be appl'xxl to setarrne f•L•~ttre halan(•~ To px the itstnge Daikiia>a•tm fnr;~nfi 1?Gttnre, cx (I) take fnc htginning bala,ttc irxta~•h day litrfiidiri~tetraid i•i;,a~• Glares trom pm.~wtts billing ~riadt, f,2) ad3 ~e t~ tra•tsaCaan[ r;;~its,or i(t'<, (.3j subtract s,)• pTmx'nt ora-r,Jis cred'>3~ ysarth;U Jas, anti (41.ma4 arty appnryuirnc;u~tL7mG,5. IKU md:rir•c~'rrr AmfFral ifar MlJx! Ga+;ir~, /rrar.,d. ~ ~• uLv, arklrm rnnnrm: aj'~!lrr~ rrlrrrat In I11elnxzrorrs. w7•t• „rrilt• lrrirrnar rrxtly+ur f 1~:lic ISFii far t?x•,r•~rtnr„ 19ic Bits us t)w daily trdnna• for rive fta.•utc h1r. d~dai• a,-~ dlrkgittninghaLv,rx k,r Utal 14'liore far tic Fuxt d:n•. Utl.ic lt:tfeem is ,rtatith, n ~ c,ttudead to be am. 'fh~^1, ue a;kl up all L!z: danr-balarnta Gu Lhc katuie far rim billing imrial and dnak Ute tWa! dp il>c nunrlxrr3~aF:. in dte biking pcrnxt ibis gt4ts ws the A:cra;„; itaih• Iiilatmc frrc th.•n Ft:etr= 'rnr all Frturts, tiro Attrtgri;aih' ISatanm F r a billing paritxl will 1!a ::arsickmd ?n he ant ff t+ou paid; ~ t1, CEstng it ,,Lai tnC cur-:nt billingptv;ixl, tlti: k,tal Artzw.ni 15atanLt, ~ am,shnn.: an }curer :•iaus v13 670650 7/19/03 5:02 PM Page 2 hilii;;g?~atrmsu ttruumt!Itiltl}:acAcc:ra;tcfk?if'it;tlana•forrat;h Fcalure!n' the tn:nrr!K of tla?sin the Itilling ltcmi::d and ?hr!i?R fnr il:al heaturc, El)e tvmalt gill ix• flu! I`in;mce i:h „c , cs:sxxl na That ;9arsir. ezrrpt isx :ariaGOnsrn>vsI h•: ruundinG Tar tu;td i~ntantx Chirp: fnr the hillirg itcrtod a col: ,tlat:a h', adrlin!1 the Fi!tanT Cha'•e: at:.c's~;l rnt all it:;tmr; of !Im :4:niu?t.7i,Lc rnr~tlr.;J c,t ~.r?~ rrlrr?irr!; !Lrt•: L rrn4~t~ D«iIf firrla..re «nd Iinr;uct' GYarn+;n r)xrrl!,c in riuu!ir c:nij,,rr:7diirg r(j!•'i)rrncc^ G~;;rgrs. is mai• r-w rnatlmtnttir,;I fr..miuLs nhi;h produm cuu!:;iha; tr:+idts t;; calcuL•ar the .'r•enge 1Tsile liahirrn; htnana• Ciiar,re, and rclatr;i amntnts: Ivor u;arnnle.:; ma;° utilize crtmptucr nmgranu nr other mnrpuFalional rated;r.-;}S drat am dcagnizl to priduce niat)icntaticallr ryci.alrnt r^std's :ihiic usin ii+rcr and%ar situp{cr mnipuL•ttioral .reps tL•aa air dc•c^.rilxd in dti: Agri atcnt. .tt air disrmtitin. r~i ma; !ss i[!dt: axiain ra7c•ttm is of tldth lrJ!LC.'w^dr..?tis or fc.'ti fmai dill c:}atlatitui of L•~ tL•tir' I;alant:~;. I atlcs?:x: ckx! to tn;. t! later dak. ^.~, atkt a !:I?are to tlu dill}' i:.d:mw a; f :Ilooc_. ftn• t"tares fnib~ 7ha!i rraa:us• Chit ,w';? d?;?t am atklal to :[ b:ifra?m auE:rnatkalh \~r :rckl tlce ^.hanc in die :y>fual:i i:tlc. daily hala!z• fen litc Fctaare ac of the date Ile Char~• n prru°! a dtt: -kr.NCnt. ;+ti t i:!r„s ihal am n;A :al:k,l to a h donee at?tom;?ticalh fr ~. iii r4 rt!tc tt; a s;*,:iP„- ;nto ;•r nYp:e l,:v :uW the t;lnugc to t4i!::gy:rnf:•fnic ~isib: balurtr i!N lire b~rtrrr a;ui thcdatc \n I'.cricxls.. ft t au.,. Charges an xd,kxl b; toe r)u:.et.nuliag haldnr, ai tix• e!id tf the nili's:r~;t::;i.>;! btr.+•hich 1•i;;:ni^t° tai t hip :nn:al::denti A:tn)ual Fees ?C'c•;^ia hill fn xntr •t^:uu;a a:: ;tum::d frv..•'tf t°,i Is the Asir l ::rtL .^.rd ;t? far ts!tih Additional tied an ?:mr fir: ot:n! Thr atmt:al fu• ha t:ach C„,rd E: inrrra.;n1 h+. it the; liilling:ula?~s of the iii=_ir t::!nhnani :r n otrtxid:: rl?e I:niuvl Sia?ts. LatC f'on'$ tf pa:xncxti of :t: ^pnrtion of tlx: anrunnt 1)iM on ;. i,illing atntunica<t is not treditii in ?•en Acrimt ht° the l~di dur :?tier d:c Closing I?a4 of the nt..t hillivigprind f•4aiCk•singli:!te") riem.r'JSeS.9fciof'L9iinvaSli). in :xbG n.n- rf i}fit;n of Ii>` 4maunt uu' u. not cnvdu! 1tr the li,ihririt?g ivrzt t7nm„ 1?am. t+r. ,u:r ,!_'s a fu!,arr fcc fn uiht sank 1rillct„fN:r.[xl of die gn ?ter !tf $;.f rx ' rd Ile An'rt mi 1)t lira! n:tc r!nt rnxhtal ln' dial i;ni[arany; llate (InTJ 517) ffjla miG! r[ rite total ruamt ihu~ n not ntxliktd h: sua~scht rias P,1[tsing ft;acs }a m ar a-, ic; a irx cyu:a to ihr. :;m uerltf`.~30 rr':.'?',: d'Ix A;nou€?; I ram d.a rem::im riot cns!ittcl it? ratlt sncc~it^ i;?ai (:k>ringl?atr (ioi\r a15}. Dther Fees l1' Wray era: ~; the foik*:f!i,:; ix<. lu;•cnsr.;c•: r•?int. su':i' ~ tr, atrj?lird,lc laa• i.71ur,am„1P«i•1-u1<-fcm:n•r'aarM.a fir L-r i:,r itxats:rany a'tr: x auihu ir.tmntcri4 nr c4~ mot ' y:^; nrrni ortl•s That aqa turi+e v hynti,ri tm xmtr nmuuit u not'tio:N,rul iipn;) firs) pncxttmcnt I(a Cant is pr.•~n?h:~ .n ronm:,;t n ! ^ cxsL•in t slit,:. at an Anuxicm lispr','i'nrd ka?u OAim r• cihur artitt>rtra I:r_rinu :md dx• dtcr:s n!tt haTnna n¢ n;.•tc eha r'e a fa: rat $''?9.1t'e:till aln! add a G:ar;~ to pupa ?.rs;uni fn ihr: anutwit t:f dx• tJ :rl: drat c,;!sn:!I hon~rd.) 2 L ,;lets . .ties?ria~xits-tC,: rn:e- Jt:ir~; a fee of ;3 far tarli hidhig lxxid+ .for :+;'.ii'_:t s ap>, at a bdling a:n~xr>"~tt K trtfue;t,^d +Ce u:q:tnt ~;:tr„ thn ~'c forrtin ny!uwt fnrr cnF;? d arty of dx• aillirg ra;txrtGtts Gip ar thrcrhtilin,IxTiteic nnnNcl? rttl 1 n real 1}n: ic•;n~t ~..1,'QTi11Prt?if'•!:!Y9rr3 Il- it :'In'\ ]JY- IRS'! i la+dt3~d :v+ur:i>raunt.ceatr.•elhi tf.r:n. R..s~i.rld?Ttu ,y,,!;:s n4ista•m:•m and sad? reetx~:s hn i!.wd. Suspt.n stnNCanceUatio n .n :nl h,!,i!. is .t:rr rr'.r, r a.hni+s:tr ma; td'>-t: nndcr tl!is r, fra•!rttY'C ca• m~: e;tilu ilaruutrd;+)u!.Axt)unL:i! I !eirt~•or;n?^(?nf>,vuxatuf;air Acanutt :nrl•`nrirr~i•!}~uiuautu ta!.aa.h. Ji.ll~,t~ainno{ans ~+Id;t! ni.!I t,trtUiKnuxr to make t iJSS',fn;nur.;renu!!t. al our sole div:rcUn!i a-..m+tinir.. ith :,r :;ith.iut c•.t?vt, tvh i!icr td aril :xmr'cmnnls in tkfaul`.:nul without gi: i:!g Ttiu i n !tr_ sahj[1'1 tr afldk-ablc I :r: A!rv; xh ?:.'!lira: ern our stall' ill i,rlt CitLd prate ohhgatitN N ! ~ •!ll C,aurg: diiran ;our Acctamt unJcT Slm trr?t+s rr dn. A €Lannrnl h' elf•~r^ at tht• linen mrsuit ~~i•Nt t?r as sulisecf+iiai,i?' amencF~ and?rat iigrt,, to oat is alt 5<r7i Clur!;L ;lsjritr arl~ sad; :atiur,, tF mar adtiu diinlrar:hs xho acc~:t die Caryl d:at die Cxrdtsi iseJrd to ;~rar nxlior Adtlitirrnal Cardmrrnc~xs hat:' hsn rutmllrtt. Ef nr fdl :~1 the (al!d or it, c:.ptrrs _n ina+ na longer t~ if. arv you musi tt'atmy it fir trtnm rite-: m hr it au tttpiit, to a d?irrl path' if Thu rant to cinrx.l die. hr, rnrn or am•.[Iditional r,;:rds, tai rortst nntih' t~ nnJ t6•suo,• ihn f'hrdrsl; if c ,„nr Y:i rcitisl,it tear 1.;.- un, a(ttr a cmic:l':•Jdnr;, dw rxx;• A:rtt;traN irr'.¢'nd mu (err. it :tr tlo nols~td rdu a xuAgrccnitnL din i<;,mxrr°t::s it ma} lt. ~i!nrnd;*-l1 •fIl gntitirn }riurran atetl9cttra:t~ 'A'nzY? rc minGi,• iUUr Tmntnt, vrn x} •n'indak acts Atiditignal Gtr', i :cast is rnnmxtion c;ir }rtar.Mawnt: ,t:d bill Tnu the? i, hc.:hlc am:calkris). Default \Srm?} n in;t!t; ;~urAa'!iantlrilam.li?:inirtkanrti'nrif;tr.: fail lalriT Ir1l1 1 ti .17:,at Whr!1 ii I$ d0, t)r g tr)II Itn9~ i a:P• ntll(T prrnnix or nbli~ui;ina:ulerthi.Agret-rnait . S!,?'>I E^I W „;yilirtt)1.1 rn. + u;:c? Jlsn,°ntisidrr your ?tiTOUnI to ~ it ddailt ut aSi ttttr'lf.itt\':tJ rmlxlt tnadClrl;y .1'tv 115111 CJnik :trail \11;1; dlis :lira inl or inc. ttthtrcrtalit pt»;rruri tttts,(oix: ~r nusl:.nit ..~, ii xat ltiui(ii xny ntemi•m ur u'th;:~tinn unda' ar:y rattier agree iiei dr a>rnt ni,•n• hate withis(xvidtam arotrJLliaicdve'rxixi!;fonnatinaindictlingth:u wu air irurknrtt,~ntintd to file h nl;twyn; r;r arc mia'de in laz }rxvdebl< a diets lr.:+rtnie',thte; or v.~ rtri:c ndxmatinri 14td'rig is 4, mrxltxk that }roe an ~athcrane• not cFUkb?6rllir. In r'?Iliathlg iti,Ltr' Lfpl ItV9nlliitt4. \;,tt agnx• lhti w,; ti)a)• trig at infnrntun:iciuuaincxl' ni rn:rumtx n7wtt. ar!d Writ n7u~r>in ~- in cir tltw•n tiara a+. nr.:y ansl~ r the amentt;[ of tielil ;°nu ::r r. mini! pram :uL>, fa }.vur rcvattrisls :ln othc-r rd?Tore cmiil. cltamt72rtairs ml;arlks rd+:trr,n:fmu:r.;m on tt::~ :,tt rn?t. l?:r tt:s° aLv) ar.,sidcr :nm• iaau:a ist w'i:ndt in the rem r±c xm drat::. in d)r !?cal of Turrkfutl!; a:ul ae:i:~ to a;;r li:? '~ io!s nr rtui,rnc!ts of aydi-alrk; l:tvr \tc m:i? ry;dre IrJ:^ttstt of a x,N,inn cif :;u:r [::;lanli!i; ha!a:rrc• gn:nrr ;h:tn dx• total ;:finin?um A:ttr7tntt -iu•. declare t!!c cnlin ::nrmnt of yity [dtlig:rian; to ~: in)nkrli:tlr dur and ;ta:•al;ic, a!ttlror su;}rmd or canrul rocr:,ccmJrt soy ttrirmttsu of pair stmt, :utd)or :!:ray Ftatur' dart map la: t><fe.ul in wtviti+sa:? tiith the Aronnt `iau a;nt; L; pay all rctscna'dc:~sis'n•„ lading R.Kcatai+h aiktmcs' fees.. i:'ry tmrd bl' u; t l i in tt;nnu::irnr airs! die tolltM~n of an;• anutunt dur ~? yrur :iabwtL. ichcdxr or na ;ut}~ adtitratiai. I"ig:tl-rnn, nr 9tnilar prxei:Jin ~; art !niti".'t;l: mu (2) kr rta_k`rJ;ag pns*1in; a!tsJ:~ fnnu mr; !n¢, L•a!;n, nr till: r<~aUrg la sot, [Icfault c7 twur.~. unr Transactions ftlade in Fore"tgn Currencies If wu utwr a Cta:~.,, nr fsign itnat^; it \ciA lx ctNi;enttl inm G.S. d!d!;!n n? die da4 ft'r., pm!~<cd h is nr o-tr as:.ntc. (inks; a pars^!i;!r rtt: 'e- n-xfsin.l M• :y:ltl;.~ ~k: Ist v[t autlmrim trs So chc•a• a cnmeri!:r r:nr Ilia) IS a"WtpC;ideta 45 fR 5~a1 lf^aC, 4:~?nSHii, Ii1C CJIi:TtS1Un f"w`'Ar iCT rltf a t7sn;;[• in :! fnrrien curtxux n nn',trttcr':I?an fa} t'^ hi;;ht~i x`f vial :f:mtriu: roe vftl!Jud L, N ~~•-nnmu a a ~ rn~ ~Ih) the hii;irs' inlX?unl, t'urtrRlOn rat: h~:mtfn:l.hr ..• Intnt c:t;,n:nar lta!t\I „SiNnL'.a, :ir: the e,r ~;rtvon r!aM :n• llx prior h!sfnr_cc aa.?. in ear. h it at.uxr: inrn ;!ezd ha.M,~, 7Liscr.:nri„:;rtti•m.^.:. fiP:rFr.n~•'•ii;:ilxt„=ill=t;::n'n',-+ur Chan,;. taiargtsffNl:rrYalln titsitlis!arcy!<. (stx!t:!s.tidi;us) :;,i`S fA billet ;s. tl!c c!tt:: such tti?hlishrttlntc nr_ 6enefiits and Services SttbF'rl ix ajtlili^,.J`)le la•~: n~` tune dw rglat tr- ad[l m+lifr rn'!l:•1e!e ;at? lxaufi?, sa?!x, nr fui!lni dial m•r•. !: n:nitam ynrJ Acra:ntt at :w time a:e! riliwu! nrdis: W;Tnt- Arbitration Prrxu-. Thh laf !radon F(•ot-~tat s.s f[xtlt tt• dr: unu7znk ::rnJ prta-dunx tuxkr:rh' d? C1a):rs fa<t~ttuvlhd +? n n'lx• aii:i:r:tittl ittsto'1 of ld„a,iTi 1.? [fuln I)csr!ilir,; ;r .SS tsxl in dti Adtftr.Cirn? ftreisir,u, die trop. "Claim' ne::trs am dai:n.,li>pua rr, mnuuiasy ~ucLCx::au nd nc :trisir; hr t r,r ml:?tin, tr, ;aittr P.tlautnf, this Prttetit;•nt: tine i:lettrntir >w=%k.•fr.,:;(ur Sa•: icy Agtri;tun? a:id a:n• n':x'r mlatct nr l:rtur a,rrrnrtt dt:n utt :u: f.. l:rr had t+itlt its, a tilt mfa€int:.i)irs rr.~ri6n: Iron: nr f><titc ;!~r'~: agnrmGtL; l :dlm'atx its"?, intdi:c~:t; tlN'tsiitkl+: txi5iraahiiil?' nrsrgic tr', thnArltltnremfr,.•sisiatro'tbe?,fr,.rr~x!1S i~nr{e;!r~iasr$this:4r;i*.mlinit mnsiat,"•,•rnt':tnil its aLc?indut'a5amta;;tv;tk:rdn•itL!rs+hc,tlyrx mgotil:•nam:•elstd,sidiarts,afl:lf:rxs,amplirx~r_TS pnadca~ats srtr+:a*trs. :sd~ ts.:ntr p!,mlraxr cd n:):~ :tc'hntu.:[tl ag7tL<, erni:lu;x.,, Jim-srrs :!!;d tcpa5txte!tivs d a!ii• u`dic F!n:_ming, tmd uftcT i.crsats refar:d to brim: in Ihc tii7nitiun t!f "dain~"'Clai:n° nti fu(L rl:!in,s of taix;: kkl(f a?uf rautm, includin; bra? r:d Icnil~ rn, 5;iiial daimc, en;m!udai:m:: ro6- claitncand i';iir(i-pain aaiM1is and daitrs b:!o~l tgxn! rnntrdt tnn• fr_<!.I aid otlifa• initttda:ai krs, stxius, irgarL^.tiotx,,Yarnr.Nt lira' a!xl ayn;tt'. "dairn' rd~; iF;dtuks dorms 1;*• or ayrta :err dtird farm tdtrn !u pm:i;liu~an'pr•.rite!,}enimnrY~:tcfittfncrnittu-!kar!•,•:r:l::.!n _~-annt (i!xirxd;tg. Imt cwt limitcJ tat ~ixlit burcats, chin] partii'= idea aac7it the Cxni,ihinlpanir,;::itnus<-lmr•~ or~ri•ilr,tci!;ftt-hav.',ln fs.tat~~t p >;mrrs, caimlf mot s!~•4:. !a? tt~anh f,m;,ntnis, chili u><:ir na .um;;anus tkk.m`.I:tKntsa!ul.aflnftlxnrr!cnnsmriotLYxdua~tonun~t ntltrtsGttadis) J :mrl r,;iIt' iC stud! ihinl;^,art' n n:mnsl .u a:o-pam^T+7dt t;iu nr us (or fdt+ a t~a'rai=.i b sn a„an~ Tn:^, nr usl in n,nnr ml xJ: a Haim :nxtltd b;• }'nu or is; r, tt u flit othcT 1'h!• cum "Clam! a to at !thin ;'i: hraadt~ nastihknuanc};tL•.rt ~:II'.r utforxcl a;•rJ !ndmks bl n:n of r:einijik' anil srhnJ fmiLr,~•c, a r•. rlaim, uti firu':• a [.~ tr.r: ~; thst Jr~ts iron;!rr nfa&s !e (a t are of dx ar•rtu!s ixr.thd un t-r J:t of ti:r Ag*aattcnia nr am hdunrxs [>+ v: ;tilt a~.anYc tit) amvtnrnurts. limreitio!LS rn ara! or trrir~-t sl<utn~~ r3a v io unr :ctrl: ak anq rorids or~nins lir;::ncri larder a•te v! die atrnunts rN fix' ¢YYnt rl fi ..ntn,t,: id the lxrrlitc arnl scxT i~ rcdri:alto+`.:.rdmenN'ta~'iil: (indttdin ftr•I::ted or fnY le;mfit IttL~„rvtxfuiRdnt•~t ~ntic3:wd reards prognu;l !:and (di ?vur a4yilirJtiat fnr a:ri :uciaanl ~+z shall r-at del to ace arhiuninn taraL-r tln Ar:,itraikna Pmisior forays (1..im that yuli pmpc!iy file and j;urtc in a small dai7ic liner of pcntr state nr nru ~ialih sn laig:s the Claim n inclit5;ka;FlaiidittaklingonF in:hat,b!crt utlurlrrt, «j •ulnb.r(iarrilydtl:!i77,q-'~ ~zY/!iAgt:kla!irr.'c!mfnr, M_ Claim slx:ll ltc r~olxd, raper the eh':~in~ tn,•' tali iu tti: bs•;traiintiun r:t!;;uant td the vititratiG:t?rrnidon ar:~ dtc mile of p„xtclurs of Ihc national ad)ittatinn nratrt~kr:i ~ <Atn;) the t.bti:n R FCf:°!r1 ii: ;dfi~.1 ai tlh time the f3aim n fits. (lairrt shall be rt• nt:l to eithtx dx' Gafirmal Arhiuadmtlomm ("~:AI`i :i~:1ti; orthx!iicritat Arhitn:if,n rLru'ia6nt f':S4d:'). ac scLxlut fn• fie p t!tc dr -En,1o .t;r arhftni!mi. It a ~ttir,; ln• [snfrnx-ulCrtscra^„.nri:~tirvust.nrrcq,4ltlctn nu y,ind II }atetlu right TiTOin ?d! d:.!s :dicT RP-1 .-~:[i~ .1[NtE Of •, tr dC- ,GCJn &ih'! d117rr al Ilieahirnn,,t c.:Cioisli;F:,It~kau pall,Hrufn:r;~iminirrauxfnratn•,*-. of rite rtr,G:luits, to fife a (yaim ur far oElux !nitnuradon ;then! da• tnli!nl ,xi1nILR D'ir1l; 7 If)i'nt ~ f(>!t?r+~ • ]hc`taf :C CU. Yee.' i171t)1, kffnmcarrls. ki`; cj'i4,niLsiL: al ti'r: ;trfiitrJFiiNt-fonrm:c,m. • J111S rd l~ui t::hl9rLd, $LI#L• ~J, ;.cis itn}~'f„, CA 92ti1'i, ,:.ai:: uxa'.ianvculrm^L • AAA rt j35 N;id~xi fiL',ine, liens Y-w•x, ll' 105f i:::Llraik. trnu:~ro.:,. t„niir"".~nhrrjVE'elr«iimr :f;dJ3117:A77CrVISCdit)~AP\ ~iti-TIRTt' e~rfitelsl'f~.-rTU cal= ~;.:7•,-!:i~r vrir l'>•le•li~l>rar•.77f1: rtcimn lrnail>:71LA1•(;U11 l ¢s~-ttprnn ac:lAlt:eY•nanl.et 7'?taruA!:a, itR 7~ n~7:77tc11 Clacts rru)lar.- re~.l~';>; Ni;i)tai)(l) iri it; lF' 171E is il)C 6} 1'i:(Xai-t a;FS Q~'t7 di N.41 I•t,iS t~k ,w;-.~ti r:PPLIC~aiid: i I7?l:'CD:"it"~. i•1'?:il llil?, PDt: jn:)1C9: C+ ICJ.it:ll' t l:tl'ii'll li? t21G1'!'7?i Psh 1-ICt]'••Ci =a': A Rc:PRF~f?'7:~174'E CAI?•hSl7T llR ,•"5,i t,il:dtl;i;H G'r Ah'i Ci;:SS c)f C`t;,Ibr_ti41'S 1'f:F;'fFtt¢ItJf 1i) Ah'S't;LSl+t St3tf HCf •fq i1:f;i7'k TIC' J. L~C:'f AS S[:I' ~Oft771136LOiE;'llii: AI;1ti71:A17.\N.'SllGCISIf>311F1Li.J;1:!71iN.Ai:-);thT11:G: NgTli'i7ltiT f:'li i1:R I;It;I fCS 771A]•lTJi Ul? trE R':rt'fsi 1 i4v7: IF 1'Ol' ll"lihT TL' t;0UIC1' AlSC) tdnS fiOT 11E !R.",1LAfiLi I": P.PW'1•! 72+i1701i. ??E.\'!i 1U10r1r (irr.'l i'IJrii-rtl.^, .: tF ei1F . ,.<?•ir titer to r~ol:t a gtim h' x~itrttiiN?, dial Claim shall Ic atiiftratnt tin an iidititkt:d leis. ?fk••ia;hrl! fr,'unri~dorrrrrGrrrl~jj,r•rrr._r~!:!iarsi«x«r7iilr)7luiru«~«,ff !:•,9?nrr h2d; «r m! btuet' ~ir.-rrlraug LY«Grrc tr:,rrr~dr/ r.•^ «ra=rixir!!r! ngnra;.:rtrr!hr erlteri7:j'tm Stnx~rr gftix•~eL+»••rr?jttrtilic. ruu^r Crr[Inr[•nrfxnr «r «k`rerr,!xr~rt:arrilrrrlr si?r«rled 7'1 a!i?itrattrs autherih'te rectltr Ciab»s is limihtl tc C1:ti!ncb:i:Trcxt port and rs a1on~ and dm suhitr_f[v< attdioriyui ir::!t~ a::.rtk i5liinittxl to ;n+arts in!roti and ue ak,rs. FttrthtTnxrr. ~lainK lii>rt~ti sN•wJtt a~!inst ue, nr L'}• ue mind tau. mar nn br jlti?uii w crnnikL:tdl in etititri5at with Claim; hmta; )t i• fA a~al!?Si SNiiL"N%! tRhrr tl+: n ;wt. antes :fitted h! in :;xiting h.' aft f,anis. ;t.^7rirr!rlirnr 'hrx-rrlrrm: Tni; A;lritnrdrr:i !'ran istnt n made pnnv:uti'tt a tr^ms:a'tiun mTnl-lag inLn t 'Nttmtxtt J+xl shall Lx hilt n tl lr• dx !°tilrrJl Adtin-rsNt •Ia, y., S C .~+i:lin!L 1 iF ,a; It ri', t' L.e JnN Ird:Al (llir EAt").'P?r adtitt:nion slr;al la: grntrt::,i lr•. inc• a;ziliczhle G:,d:, exam that !tr• flu' crtent •znG, t~l;le under tfk FAA! tl!i; ?d)itrJiioti Pnti;itra slot! ttmiml if it !; i}uaatstiiuil cid { dx- ry:-p1n,d:de Gxa~. 7 im admmlix tatall alrph'x rlicahle n!s n^!it~ tav,'txtrvste»t::itl? tlu 1~; a;tl espy: i::ilu slani•,rs of limfu;tirntif ark shall hn,rtx ciaiuts of ;±m•il;g<tmi;.nixti at la:?• :utd, :ti the tinmir mµr~-t t:rdthrxJty. shad prn~id< a brief +:atlrn ~ydmiatnni of ilu• h-,sa Ftx dw to-ci=J;t.7'ix: arltiirstitN? pincxuling siwdl rant x flm'!-r!u*d;r' any Irafend or s.•r~ talcs ttf eivilptcnylur•,• er rda rif cridat~. Gelber pa!t• rruav vto:nit a nyt:lsl L; dtc :iFhiiratru• tr, esi•+•zrd the ;L-npr cf discm~xti unrkr tiro ap fi~tlc Cod:. T!~ (xuty suarrtitting sa-h a a'gnst mist pn;;ide a!rtpy lr. tFz talxr far;;'. trim mar stumit nhittaier5 iv tltc r:iuator:cidr a uy,y at i1Fe dons prtrvidtu 9o t?rc rtfurs`.ing paAt; :;able dhtn fl;) d:rsof nxz4:i;tgd:z nq:xsting par;;'s r?7tic;:.77tc rrutdng nr t'enial of sad: a rc~-tF~ trill be ir: the ml" dnaLawn of the arliitrfrk, ultra? li Fattify des rartit*' n(Ir'tt/lnv dr~^nien ni$tia taLxtl^ (^A) tkr; of dtc i llC:t7t?g;rna ~ stilniiiaiai. 71u ar::itratw shall ads r:acrnt:r!)ic sibs to pttync dr prira~ n :t%inklti:i!;;aril at lNtshrea nia?tcts. lulgm,nt tyre: P.c m+mrJ m,iltxed )n drz addtmtor mar M ti`•Jxr~! it :nv man ha+in; itri:aJaM1!!m.'17k :nh!trttnr's t><•cisitn; uill':r fi:ial :tr,„! tutridin„, ezttgr far anp ri ht r~ al~:tl urrnaitci h; l-::• lAs. If[mt'ur. au' }lam cm af:p:: t tie: Guar{ fu ~ thrs-nrh~.r'der Jund :tdnrn)ic'ILYLCI t• ~ire::i.'fui ad'ttradrer ot~tni:.ui:ni, ahk!) sl):11 ears! lt:r arc ,Jn .s><.. otine initial ar^:nl trtjttted ifs In• der :ggtcafin,pam. iltr aiipcJhr,gpJnT cntll ha}•z rhirts tdt!) tkns fmn dm dart: of r-r:irr of tl•~ nritta( arhit~t~an an•5ni to nntif;+die aridnatioat taFt:ti:atesi that it k e'[ctri;ir,; die ri~?t r1 apx'd{. 77x- apfa d sk:all l>EL~d with fhY amitl7i;n nrrailir:Riwr'rr the fmrrt of a tlarxl Tvritntg. Ti adatmdrer or,;;rut+an xx71 roar notify the otltcT dart}' Ihnt die a:tatri IrJS b:•Lxt a;>3?eal:'fL31tc a+itiu;nion ot;Jnoate,n tiFill appmnt a tlttre.adti:ntarp:tr>ri tlim niR txu:tiuu ar: atf:itrtimi prtr.,!taut to its Cc ar.! F57k' It; tM.('nkYn :TihhT n:x' 1riCidird and tRLxtt; t l'3t)) d:TS 4f dlr d'JiC of dot alt~?lanfs :txi ~? t:ad~ 77>r tlf.^isiat of the nand hall 1>v 14 m:.Jnriry:role and load 1>r final axl btn;l!r ,. !erc«!ion nf,•irbtri«t iuc:trnxr,~rf: f I•tt r A:r•,^ adinrdtio:i hearing f ~a: you autxicl~shall L•ikefdar-c in d_ trxhrJl jtufiaal diSJUi td,nnr nsidixrr tar will be n~m)siMr for pavingp7ur sltatc, if volt: n(dtr tvbitrJdrt f~ (inrlnding filing, adminisanrne, F~tmtg ant ar othcT fas) prrnided Ir• ;Ile fmk:, to dx! taatxtt 6Mt etch far_c dr: nn, ec>wxl der umotnit of d>r fifi:w, it'rr \r,u wrndct ha: inainLil ff du• t'bi:n I d lkrn imr~g d'm the sate rr ftvl;x:tl ;txtn c6•~1 ro vru hi!lirtg rsdn-U th,.t ..¢iutd h~ t jurisd~irr;r are die ~,laim.lCi• 14if(nr n_gxrncfl)fc &x l:aring ne r~ttai'itET ti(au}• aii,irr.:tNm ft:cs.:i; yatrutitlG, rrcrarsl. ac x411 trntsic>r'r in bxkdlarn m.d.in a ~!nlrmn~ adtanxtd:dl a lnn nFez:v sita!c of uhr adiilmtktns ftts for ally claim tnu initi:rte.~ to «irich yntt ~r ~e setk araNr~lr-m 1ou .:iU iN:: f>r- arl:ey atlt~tratinnc ftr;< in ~~ r>fi:vsrsltare tf , u do raid pintail in atn' ad?ilration:Tith t~ (bn!inr!rr!ir)n: 77t¢ Arbitmlirh ?rc,•iiiat shall stni:t tcrmb)atiort nf!vaur atmmrls 2 ^,.:•it s raluntarg paartart ~ tl•,e Account L•bl:wm in fu[I bj' tnu, ang i'K,d prtrxufiit r ln'±aiu rip t~ b colkrt a d[~t w.ixl h{ die ntitzc a!~' b:mkn, Ic11ri ;vr: er ~, andam site h• us of,cur A;xurt (gird kt die c+~ of sxk, its itsttts ~'tali :q)ph't;) dtebt>:r of am' rif pour.~ccfntm). if ant- ptrninn to din Arltitrtiknt 1'nsiimt n [nr:nitrf ine:tikl orrnx~ifnrcneile wNkr;tne pri:rcti;ik tr prmiiiwr r¢ 141• or cy:rit}; itsfial! not iu:alida;c d mmaiuing pani[NL<ttf din Ret!tsrdur, pmisior: nr Ihx. A~ntcnl, etit r.~f r.'hich al ll i+• cxtfamaL•k n°tarcflt~ r)<\t!dt inc,.ikiih: Waiver Gur failure to e+a-rci~ a€r,.• of roar rr~el u,xktr this P.gr~it<nt, our d:l:!}• in t:tin:ct g t ift»trn 'uc n airs•an>;r of feu ril;nbti:t a! T cta•:sion, ,'!tall nrn an ~iltkr a tsanvr u[ stdtn„ its nn wry r J.a .rcasinn Consumer liepotts lbn :rtdu;rim_ tr, m tttf:rst rxinctrmrt~+ris ttbu:il Ttnl, ti ma;ve T=.iiafeLx' crtJr: in::stiratia>F aL dsxm af~~rq:riatc: y r,bfain ark esethan;e :m, fniptt»atem ac tram' rechr frrFrt:riit9ima'it;?nr.; aocl other ~ttrrv; and on use sttdt infnrrm_rfan f!x ar:YlNtrpsrs, stlyrd in a fpliathh is~ You aulhnri~ its Eo itintisli f:><nrmauai cvticerttin, }oiv Actnunt to atn;wm'r rcy,alir ;a.F:ticks..~ ~J;cts, ~dljett ~ afaiidle laix if krt bdicxe intormafion Trv hare; ftimshd alwul yrutr:Atiaint In a mtrs•umer agxiAing agero- ~ 's clanuatc, T;; i>honld :xiil ir• t. at Anxrictr lrsgrc-~ v13 67D650 7/19/03 5:02 P1N Page 3 imiii Rnmau l ~?iL E'rJ. Ltt,s ^•r71, ' !:+uderitale. FI, i;t3'; '~' l and idcntihdhc sprrtfic information i41n 11ChLM1P IS InafLltCtl('. you ar• lz~rcl;; nntifi^el that infJimtatinn ahGnt yGUnkanun tlwa may hat,t s nr;;a;gr irr,oad [m ttrur crrJit ne;7n1 nra Ix subntitlLd ut a a•nbt Ic;nrtinp; ::pr:nc}' d;nufail to fulfill the IL'; n>; of pnur creSir o-~li;;alin!ts. Telephane EJlonitosmg/Recordrng 'rou age r ta; frmn Gntc u. time r+ m:n monitor amBor roanrcl u;Iq,L•anc teals Ix9uxtn rat or Addit€n:cti t::trdntarl+:r., :rnt1 tG Ir: svnre Uer grottier of otu tsionmtsxrvxor:~.aauirtl?;'a1y,licd,lctm: lfse of Card at Federal Government Aganries lilt?LR•IG:'? 1::4te1~.' Il:s L 17.IM1 1 ;:,Y rllf t i _Ft:eliil: ti?i T:rl:i x.718' ra7ttal :rt o:Caar. itxL 1 rkt rr me t I t ti uti anU d[t»trttimrt 1;;<nk:.c "-. As e-ith (set tcm:nrtinns a(tY,tntnlilt]91 Lihli~h'nrnt..ltilm? "'T~a:4` I!.^, tnb• tour t.iri' al 3n "yCat:. oirlaia !:1?~tr.~i inipraadi.M.t i5 jtr.:::. • tr:xtiadj tL!L, db. to C's:r€:' uUi,ruattun fn!ni (.•. [. _r.1 L,.,...iar., a: A r':ncics !:rr: in uv+l ar pmri's>in!, ta;.ir;;[K:atod 1;ajmtr: ~b. hiAing ar.;! etllxtirn; a::.tniti~3 anJ 17tH :x: a':~m•aiLtilfnr n;*;ni!i<~. anahsis and madi9in~ arlhililS. At;<'litinn;tl "routine nss of i',tar m i<dunit;tfi„n L• .4~n~i(=.. =!r,: pt:hlkilttl ~•riruliriUe in i'ae ,'Ctl~•tnl R;t!,istls. ftlutices ril i*. norirw•:gi:cn hj to sitsdi b: dct:;md ;',i ~ tit :d?en kx+siu71 in'he i'.S. mail, pnstaj;_ art;»!Fd. addre~utl to ;•rx! at Uie Errs; I:il'il!; •~h;ln~; shGan rot i)i it ei'.?itti5.. Changing this AgrrertenUAssigntttent of this Agreement tt'e 117a+CI?ale~;. t''.1(1 temLS of iG n!VJ ^^'t: tCG7D tistltis A•~,recalatl e! anl~ tin?i. in aatur[1::.!:a: ».ilh :rr;?licihlr tai,; rr n;a) iq,l;ls mr, dnneyxl nru•;: ~.nts lei ani !iten-u:.iaim„ €+•alatu= n: ;; nsr..h: Hunt ~as u_~fl :!.; tit F~,ruo: b:L::runs :?~enizreh~rx:-Il.unn:ia K r:>in'ri; I~rntcntatl .r. r;itunt,il:rt} tinu• u~lhorrt sn~&r to s°nn.1'nu nt:r,' n1:! c:ll.:tsi:•,!? nr trrti i(s >;;: n ;,(rrnn;: or aai r trerr 7t hrtn nr t.n(i: tlr~ h•,I x!r~.mt- ttssignrnentof Ctaims ':71IheM1UOI ~n f(yt u tho' a Ii ,n'; ~,u•:rerun ftr:dtrr°tan ..)uta Jt i ri tJutr L uuha7 i er II Y+n,Sx,t n Ii T n u ,uannt~u llr tL: nutii h h u,,n to l ! [l l + r. np q,1 t e ?(I trine r xdudp7_,, rd dainx tt t i t. tt h I r tin I nt I u . t, il!itd 1r..rtj Hl !h ,un?uud ~ tht !,nGtd:.r.[h,r(tr err} ronn! 1ftr t.,~ rn o6L _a,h a;ii; ; n ,,r~ Ih:u !Ut nn t•nrrn v nt .?t ?ll ,t , f•tn.u• :ur r1::ior. as:d1~ nr ttutt.ut~(Ydut fm,n z.L h !ht d f ,7^. h7t Lu• teorr;tmt 'that tc. ^, li~-0 n jr u 'uL runt and 't i( t 7ili;.aux•rax• ::9tL• us if rr tlt.uk 6. furuxtlte funC, aC,>t.ir,.7i .imn,m. utYl:°:d. Apptrcabfe Law 'ihis9 rrtnert ~!ul t.,trAratunt.lul iligr :tio!ts:dmlt:P.mirlc};ali`;, crforC c Ilut •xl in+crxelalrn , an ,~ nitil b!; h I x+ of the Svtte Gr L'tirh t ivtlrlr m^•rrl to m eri 1 pn tapla ref G,ntbc~ of la.:). a i ht• apj,liul It tcvhrl la.,. C . a.: lo.a r,, ut r Lih, held xnur.~ a,unl ri t`ttit, rat a t.r-I;nxi,l,is A2atnritt xxrtl nu iri ('rah. 57;;i1'IC:.: I.CI'Ri•:SS t;li.Kll;l?1i?\ U.A1k G.. .• ~~.w w.~ tt:rritu t I Hulce t. Pr~1 i t ...i:U 't'D AStF.ItiCAti R\l'RF4S C.4Rt>HiP'NRER.S iy TJl1> U ~'fft:Q .SI:S7L5 A'YD 1'I;S'FF.RItI'F(7R[FS. }'6I.R Ril.I:INC. RIGtETS - h-EF.P iTtIS N017CF. FOR F1'll`RE titiF '19tis nuliae tr>a;aas intpi,rlxr{1 inlintnatior 3bnul :-,tn rirv; and our re~rrLSiliili'tc~ uuti<:e tlm "Fair i,m fitl;iiling Ad:' h3at"tfy IUs in Casa as Errars ar QL,estions abaat Ynar Accapnt Statement lfyurthmt,winttiumir,ttisx:x!y,nrtr G:txt;1 nor narn?nntio;t:rbceri atn cu~i on -tuist•!tcmtzx.;t, t;.naK7t to J,cKOfra;,•sa!llm ad:lr~rfrrtdhtij;iltqutnsla(Yi nrn,rst'au•nx tlCrelr,r t::t:s,krt;t 1u6;ih4 YYc m istfi nt iflH , +nu nn l ItiT th to (b iLe ar.LT at•,umt;,n:t the `finistaP.m.:u n.;(.ndtlhLrnnrvgp.niil.m:q;,(.,n.1 l.n.rti;:axe iaq ran ; tort'%Lnn x,un Holt r^crvc: nu ngB~. . ; yYt.u but r Win,. tt,.,;i i~llui;i;t,, a 6ninattnn • Fu tr,atnc:ntd:;oxn!nl ittun!rr • 'Fw ,l +trt n .,i nt ,a th nta l .l rn r • IlC.cril7i d.. rtes. a,Id ri,7l,.itt tLrut ,.n:, ;'i tt I>' ftiM1e there 1: a t t,i . If t.r;tnr,~d n«rn: int., m rte s,J.cnbrJrt• iL•ae!u~t any Pn , is ar ~,uL lfji.n!.I.r.ut,,Snnxlmtr.Paj!nta t'.x,ul:irnuna:ra~rrc€rdltf~u!r :xt:7r s~+i 7s. rtnsr;, nr nhxti ax:nt nl :anrran ~ x, ii_ Pa••nxstt,;ri :rn) anon n. wu I~.iiJ: ra xmr,;,; ]h u'P th. h,.;::n(•n rtr,t5tct n,t r ,i..... i+ three ~u>n ~s d<n', M trio ,:£ ,t,1~ 7i:,.t, peanet.Pn v h(sialcl In `xrur. Yattr Rights--and Dur Resjronsfhiiities Artier Ws Receive YourVltrinen Notice CVc rm1 ~turr fal,x ;v,tt ht+.iu 7t to thutt (3(i/ d r unltic »t hair aimr+.xl 1 c,ttn•h , k7t - iYii! nrnnt; r~'ij dos ,7r ut Lr, crCtrrmt,;d thee~n( nrctpl;iin »it) ,.clxlrr4t the st;tetr:ai...:isa'trnli. AG[r +r n.i'ic~ Yti,i, k Itc , a,; rat not into ml1?h a:,ry~tuuary+ t apt:stkn•: c»• ttrysrn .rHt 4s dJinq!trnt 1C~ w. m:ilinui• to 1 tll nr,t fnT tla: am:ntntyun yttM1Utn~, ioclndinh !trance Cham(s. lrm ik, not mrr to lrn :tnj' a!~stunx:l antnuul :eltile its rr m r i„slit ,;, h r, j,7,i are S,;II d;litgtic~! tp laj I!tt• ImrS art yr,:LtumxSitYhalOR'nUtil,rFstian. if cx fr•td ll t :: n tU(. n u 7 k , t „ r y rt :»rnt. ,ar: n+l! rn:t hertan n^ .un ! m?!~! {.,tan,[M1 n ha:1 t- I an} .pt5u :a(tl ;ntvnm; :f ;tc (till :uA ~.- n;ake a mittka yon ,m:n• hale m f::Y asu:a t_tarr::s, astd; ,m e:ill bare to make. t;n am• mit.:.t I:a}~innra rn? tira gtxsti~.rxcl amu!m~ h: either cav;. ae nvG tt+d :Tea a ratemi^,tt of tree anutun; r„tt a:.r an(I'1x• d;trc that it is d,ta. If tcu f:Jl m 17;n: Uu• mnonnt it ~t ne think jns o;:L nc ma;: npGh':xtu 3s delingtrart. l kacrvec if one esplaratN:m doa nntsalisfr you arul )+;u rrir to tsxt7iltin tin ilrt days x;tiind. tr; tltat}wt siill infra; lopay. ac: mltu t^_II an}:?:u +•s upon ytn: tG that text L•:nx a gtttsir»: ahmrt ?•m:r staumr•tiL amt cr mtrst t(•II jau the r.:+tne rd a:nra,r_ tx rL~u>fW+l };7n to lSr mint till aa:anr nx r.•Ix7n jnu to t!~a; d!e n7auxT `4L5:+„Ti s:nlxti lY_'i+?L.r1 ni Ri'r.'71 ii finallcit IItii :In natfollr„•: tlna ntl"s. {ae rannr,t rnIF xi the fine; 5o of tl- gtunion[cl anmunt.:xy? it)rur staPrnmm :ru rurrcd. Special Rule for Gredit Card Purcltasos U r,+u ha:t~ a nrci Icm eiUt fire gtnltl r,(jtm'<n+' nr s-"xiri; tlr,:t tnu •risxl;:Y:h U7e Cant ait(l :rn tie trrt r: ;xnuRitah u, a7rn r,'h: ~u pl;,tr4.;n ciU; the nrrrJnn?t, tr! nut, .t.:.t, tu. rigl!t not nt ~ :c. Ux• retaining an'n;nat dttc on the; n Xrtj or scr•.krt I;+.n :ire i;'•r; limitali~uts' Lt!tisnght: fa) 1'nn mac! har•.• madu t'•t Oarh,~; in rnir ttrmm ualc of if trot r ithin ;, tr h:;me satr.:;ithiu Ift1 miles ul jT~tr ~1alrra m:tilin! nldress, itxl fh) 'f;c 17nrchs prirc ntuc. hst• L±ier: ntnr tltan $>tl. 'C•~ lintiiaiirut, rbt nn::yePt; if ar neat or,~•ar!u rte :nerehsu7±. or if _: m:Jlil rtilllM ad:;:r!;.u:n1^,nr. Ltr U?r pngx:n}~nrxrias. Nate for obits Fe_vidrnts:'11ti r;hx;lans agaitul dis;'riminarion n•Uuiru tlth alI rneli;un tnaia• rruJi; rpr.;lh a>"tiiahlc to :!Il trediraanht• atstomas; anal that crulit n7xrlting acT?dts ntainxtin k!7,araL ntrJi; hir;;,riec un ;;:rdt nulitid!talust•rnnxpn~.'I';tuOhinG=il3!igStti::rmmis;(at:uhni:nsxsrs mm!dian(t ai:h Utis law. ,t,hrtr„tsr I t.resr.r.r~ C t„I•tr:r„cta: Tr c:n i~rt sr,=r1 ~n:nrT4 C.u~t!',i~~, l~r~. C:71GII!V~t: ~: ES_( L:7,~it= ~ t'~t, Trc 'rm St ~+< r,; Uii,t lY,tl t~7ttrt,L iix ski EihS3 4n;ilf i:ni:L t-tiDai:ASli- N41C'j, PAl' Rl' C,(HyPITEI[, F!dY [tl Pttl7NE OIi ANy C"FttER A;SSEkIt;AN ERPRI_CS I:fF.CFRt1'titC [lEtillti `1TckN.SFE7t SER1'ICF, {Rt:ttE:1FFER IEEE "PROGIL141"), TUt1 It I1 RE 1't:NTECF T{? 17[IS F.LEC7RUNIt; F`[JNUS 77Lti5Flgi AfrREEhtEN7 {Tt7E "Ell' AGREE;fE\`T'j. Scope of Agreement 77:is EI"f A;nxrtunt colas }n tr [• u`r^inaUn n Ux t rngram n 'ts Ei"f a;;r(x=rtent. U,t w is trnr" ! ] :•nt.r" rcfu to Ut has'sr f tnlmr nkr :Ind alsr• indttx, all atlditrnnal La„Inu:mltrrs :ha h nt crrvllyd tti Un !'rugrarn. 79m. rank "'ti."'nor`' a!:d "ta' rfrr ,n „ntrricm Cx;tnn 'I'::'r; ttdaxvimirtsC,?m;•art;1nc.'C~eitiirJs';~ur:Cnrir'ran Isplrr' >;tanett" riiT to sour Cant %unt?r?t ;,r ;ur. ultra American I:titt:+s „ra;untt that ttr Ixrni::uu I i e.troll in the i'rngram.'i ne irrnh • rinse fi. ` r,rnunY' ref Y to the account !tclJ b} ! a! I. m.:rriu M1 f!r r m other fi! ,.I>v^ial intutttlin!t Irum x'ititi! r. nu:x-rall a m ulc clxY u u uakr tPttSxr;InlL n!Erki the I?m;;raen 'Oer •.a,nis - nw h ,r:.F:` mL..r; tlx' haittl s^.rtui!;es f nn orother finaruial asliuui~r. ll ..t hdl is }i u- I4 i 1 ;r;,rttnt Ptesorh' a to rxnu;ts riir toeLtFmni: I ; t mart td r i u[ nc ;dJOr,,:terr.~h arm~.~tat Auun ni t c. h•+; n r n .k,:. ul.~-Il, rum unx a, trn,•, mrlu(liq; the r>rhn t o ,.,.. ,•ni.r t_,rl rtcr.,nnt hill dtutuntc!I{y tv m), i •nrnp! w rho! r ar u'uT detect I'ari tftau b nt the c.errs[ach Prc,.am•~ilTrn bk.)tu xt re tlu Unf to c;,tt~inr,tsl Gom Aultm)axxl'li•11(5 tlachin(s C'A.T\`s•''t tijz r.Itcl br am•batit ;!, (inaurial m;tilwiint tlfat t rxrcgta is in UmP:ytt•(~ C.t t + rG rtnt.. lfxCantarWm es„mY.r,xxl lr•. Uternrrl^armt>r. At;et~rimn: Ihal is atL'rchttltotlns' T.4j,=rc:;nrnt.li+atagrsntanan,l=hcct!inali~itcmrsin u oelso a,pl1• line Personal Wentffieation Numfrer !n t+mnc••tir,t? mill: y(ntr p:tr`drma,a,n L7 @: I'ro~,;mm, ut ha„' i~t~^J m rnu to allrnrcl t-uu to eh,tr7ce reur m7m Prrsrn7al JJtY,tih :aica I:um!x:r {"1'1N"). t:adt time :xur ntFl tr nl Piro tl (In Al?.1 ton 7i tslst:j,pit con 1 t and t~nrpr~rt,tu(ard birar.tot!ul.rlun.,uthmnv'lrt.rar"urr_,atr ncalctr,Hhr Ur Fspnu t!; sh t m,rant. cr7u hiraW t•:J al1 rers ~uablr p w!u trv s!c Ire r t an} oPia Ir nu! from J~amm,, tom, I~ ru gang Iac Ga,J.I-, t.:!nq,L, nm,.T hd•:p at,mat^n.,lon~ ILtu,L FFat PlA aitaChL51 tU n; t:oih ;lti Cant. t tthv eln:in;uir ht::dc n:u>,frr rnLn.Le maj nr i1a • nn+. requim sire ae~ nl a l'IN. Limits mt Ubtainiag Cash ar Cheques 1lxlimi: m; tltr amount of cab t Is; t ~:r at J A,kldiural C~,tl tcmluti<. rot :nur Antcricat? laixecc:Crcoun7i m.+ nt;;,ir• frnni A7:,ic Ls ~1;4!E7 in am st^ at-th) ;mow Ct•t: ma)' intlmk atldiUnral l .niti ~ our stL discretint tin aaditinr; to am• limit intpGSLtiI br Utr;l'i's rtpentrn;. Payment for Gash 7ransactians t' •home}r,nnnutLatrutaxir!>'ttndtrcthrt u;;ram"cuu,.t;t nl aatlttnrn txuran antlu Jna d dar nn to an wino htctl clt_ri.tg I;mtst'AG31 j.fchnriij'ni:r u.nr nn!Hrr1lnLArrr:itH,Iatab~lotrsw b one ascot, m the mrnn;t rA 11 t uanmtio t 7ru atnntrt of I Irti,sadkin t tln tnt:.l o' (i) t.•te amount et am t~sh ±°ou rt'ati ?+i nr nilk^r IuntLtrur;iTtutanlhnriit+J.(n,:xamrtti,fan tnrirrunch;urorias rrL`:rir,~. and tor) mn' ftts Lnlutsni for use tY ,he PTt tr it mxhntor. fees ttr ne:n ritarm a f r to ilt¢ turd A!:ouu: bn d I annss Cnc t ancacti[st at;m Erg+.117isF~r.pill lyt ltiofthramnua, 16c lraitsacllnn: a 1, ^, minnnu!n of $5.'0•x: a_mtrrnt cd rim trntt:tdicat u Ute utttd of {il tlrz a!nnm:l rtf atty~rMh gntt tr~tix~d nrntlt~ filetZ+}rl'iafer4itil3tlthnrlhd, {ii) Um antottt?t of at?j' other finals arseriasabL^^:inul anti (iii) aen• fas imp(s!xl fur itx of the Xf 9 `"• its op;-ratter: In adcliutnt, fur sari tcros3~iat t»ur h:u:k male ts~(a5 itc astm>an traruactic'n tr;: nr rfdxrk or i~m- lun:dlin; chart. U atr~: CF mar• alst, d?ary a fix:+d SJ9 fm grit dt[tk er ACI I ilibit drr.n. M; uc or nur ^,r; ircimncT4ro-I ciLt the Program th:u a nru hownd njxm (im prc;.^ntmettt, trhje"t x. a[•,tli~rblc lsx'rrnrbank m:r.• al;,J :~s„~ ds attnman• r::ur<,e t:?r s>~ ilcnis, if atr,,• Dishanared Requestsfar Paytneuts If a:tc dxtd: nr?ult d; )ii:lr;mtt fg tt grteg 3,,en1 in mnnretion xith t'ie !4rxtmm c aut Itcn~:,nd hj• nur bark nr I~ c• [x ri!,;h! tn,'ta:•~ - t}te :mtnunt cf ate, siu li Irens,•xrton. and dt¢ dchcnnnxl Pajmun; f~ n~,~n1:1 x, alu+,r. to Ure GmJ A,~*=n:,t Gr to abke:l t1>; aau::mt fnt t }Tw. Itthis Is(q><Its. tt m r t'tn i tr.;r ri`tt to [:atr•~7•;te e the Inri r nt. 'ter iwaY.9int i:u. Cr,~n.i.t. txH: inn; h;tar e.~un .t:agrvnxt.t;Ut to or xith a ~ aNi:it?;iliati 1.°m°~. ~~:rii~ : firm ~n1ixN• fitt.~l _itl ttLShul!i:,n Utat all!m5 :; It!m Gf cr;lit Li ltr ar:sn,t iG Ute cent tii:lt }.:ate Rank i,cc:tnt a:atwirs i:suifi[ieni fue!~• to nutl(e rttrrztt m tLC lbu sltnuld refer to the appmpri;nc ago?ntcnt tr'ating tr• rI:N littec`rralit f!x the tents a!td anxli5o;t hta firrrem it tn.. Liabi3ity far Unautltorized Transaefions and Adtifsahility of Prantpt Reporting !'rnr must u•11 !~ I' Oii[~t: i(s;,u tt?li~,r ttr t;;rrd ar :•rnir? ' h•~c I?een k;;; ;IO1LTt (rc usxl t;itl nt?I ;nur per:„ivsa .'Cil~'[ehtn;iny i. the cet n:n~ of .minimizing p~xsi`;,It• ln;sx. If n trnt~ic-:t tc• c m?autltori;'r>s, ;iu;I n41h;n t.'.t,das:rf°~rrr.-:slrtin;4nrslt}~ottt:;t6t`rucU,a;ll;<tran;:s`li,~ixc;n Iu?authori.xcl, ue, Hill ntt hrlrl jnn liable: f+,r that trms•^.,e'ian. In any,M1;•nt, rarell if •,mt Lnl tG nt;i~' ts, yrusr irtbilin for , ut urthnr,>rJ to!LV d•,nn ar n:ri4 of mincd tutaitUturiii `irar?crdinrsslnell Ftni e!(tci! $iU if j'mt 1tr.Rrr the G;nl nr tmur 1'IN t e3s brat Atstx-r koltrt of th:n c,me(r,c )rts aruLdtanxl or m:r. trrsfcr m:uxg from raurliank arirtnt v: iUtnrt pcrtnisirn r.ll: I•~x~in-'t'Jxt(,:.ithinl ~}orl.i3lry~i-?Ji roittlltr c ati'iutC.nr cmhc Aaericar: I:;7rri•s (:rxlrtixti:atn,rr t; '6 J ry j,4iir, ph:ks,=:r.. Arran's; R A"s ~»j0, (h I~~ fc 11 1 rm%d SLdes tot,. Hai alr..rr_uiL'rct ain• Atnerical: G;tres Trrtcl tiuim Irratru!. tr rgxy: ~ In¢ o! Ih~t ar J R G.nf nr pour 1'IN. Our Liability for Improper Traasactians or Paymerris !f a tm,mulwn a nn: r.tr.•n}:ict(sl a.;?±rt `~ directvl nr if cc dti not rnnr,,;1Gc ,. isa.tsfcr a<ar frnrrr;ot:r GtcL, nrnourt on nnx rn L'>r mmri astn;n?L ar xil! rr<etrxle artd nttz:t Rao ra~nty, Goa, :na adi'ise t1s.1C,: ::iltaEord:nb;ata:jut:forjo-,;rarntall~oraama~ rf,.r:~tnediK' ntrrtnrru.llrnivt,K ttxnc utr s wnc ~apuam 1.r •:fU nu fr t> :bl; to ~rti in the fullmtll tg IRStarxCC' • it Utmu;li rut fudt of rota }oar la t. •,~7ut?I tlxs n(tt or ded nr+.t cnn:aiu rr-::at,!ile ntera*: to a7mj:~t9E rte rmaclicm n, me tr:a?si,v :;:told X70::+1 a7 tataldi~hed LTiiiii limiC • U the firxL in ?•nur P~rnk A; t~nnt a ~ ra :tin rrt the tine d11•R atuYnptrtl trrnzr",innsuL•j:Y:itol;YdF-r>;~tu~_ tu-,rmL=rna;r,•strictin,tlti tmn41 n i . • if the Al i ur ot':mr ke"tnnt simm xnt. ,ae Makin; tier, tm!tsacti0n did Hat h':1c CnrnlJb arh: . • If ibe AIS? ;S;yS {{„t`, xtin fl ~ ~ rof!'='lc, i':', •raa knaa this at il-:e 6me volt ~'arxtl nt::kn;g tlx ten rMr »;; • it riraurntmces x!nrstd our ttrttr.,l [.c:~t :s 6r c,r flonll 17ter~sr: or ptCtxanLU' t',c;rrr_:tcdorx ~7'i6. rc•.~;tnble prt~rrtirxs tl:at a~ ltati? takra: • i(a tc,lr real maffumaran }ate ru, ~ anlenxd the trr>_nction, • or am o ~rcna7nuna Aatcl t.t ;fB 4l'?Gee: rrenf Easiness Qay Murpngtos<soltiti<EFi'A;;,tstmttt,aur)rrsin~',.1ms -reAtimda;•tltmugh Fridag. tialidaj: ate nM hxitrdai. Arbihation 'Ou•Cart1A::r7untvp;trttrcrlbt uirCardrn~,blrA~cr;rrrntmntairGJh[ticrn. 77x Adritiautn Itrrnitia:t r»ran,a! ~ittm $tt agrxntett amdrcs to th'r, ElT Agntmxmf.?Ic•5: r;ertnt..lrt:rte~;n asj~tr rutlitis ITFA~x-ttL°,L Privacy iilLtiut»ur fonds ttyrtsfcr< nu n.tuale=.Hrsumrt i;, U,i; f F f 4,"mtxnen am nnrxvl Iw Ur' Aritrr~m , ~rL~ ! rn:xt FT:1 ct; a ~n of .ilnrl? uas eixat L, }+nttogtt'neruiUtpHVP.nUMtultl?j+rect:Lm1"Faiita Gur,'ri+:,c;•Pc1i:; nnlilu:I;Irast•ri~titanun~trxyir~-rnn. How to Contact tls if for am r,•aemt inn aix to axit.^ t ets efrnt tlx• 1'a ~,rnm, alx+ut +n!H )Lnhiripaliat rvt tlm Prn;,r nr, r•,raKidttn°ts:iots r.?::iirtgtn;i~ fr?aant, [+ritr rr udl trs as frdl~as Addrx:.4mtvi~ui l"~'~ Tn>~l tt~.ttd S[sitts Cotrs;,,vtr tnC.. FaTrt~s Gsh (>P,^r3tiars, E(t. Fwa 2'Ltsi Gi^crtdterq HC 3'x).5 7elrlthrn,e.1 •H{a3•(:~Sli-"'fr14.24 !•:n:itsn d.•n; scrrii d;rrs a ai'tit la Case of Enots or Questiuus Ahaut Your Sratirsactions tY`nN nr p!I'tic at dm rnantba ar a,ldrt~ ~,~t at»,`tc assiwx~ ~ ;uu fir: if tvu dtinf tutn• staurx't=. ar nrtip[,is nta~ .rr if ins rttrd rrwtc infnmHUUUi~-ltutd:itrtr-tctiar:lis•I~lar vt:rstatcrrratrwr~iptlC'emml lit'3r (rt»n,rHr rm ham d><nn SU lots ~fterse-;cut jrn: rte FIt ;sl'stau:;m:n Gn xthidt tlx prultGnr ar errx ux~c3iixf. t. Tci{ us A7 - »ame and Card Acquttaumlrx 2: Ik~11x x tine a )lc 4-drsnCfinrt ~: an: unstin::t'Vitrt and aplain m dr;;tdj :n toil ear: a.r.• Tvu 1s1ir~ss t E ar: aar7r orvdap'tGi t t,^tzl more irfnmt ~tior.. i. "I}•!I us the dr,llar arrn.tnt of ,I.. ~ry~~ error v13 67065~D 7/19/03 5:02 PM Page ? ':f two Gsil us;;ntllr, ae in n r~.ltiim ti :7E ;*z~ v rKl u: !.,;:(r c+unpi:7ir:.1 r7r (?tawli(.miniriliti;;uid»n~i~bt!~i!1(s;d!tis imsntllcd:tk::nulinlifiaiits ;¢r vil9 tcil;ot7 $~~ rcs111te n(nur inn9i'wltinn Within. lf:ht!tior_wti d:!+.-` abet ux: h( t ?!xntnxn! and'.;': will •~ mtc! ai n i:ITar Itnmpth U [ic nc+;l room tinrc. Its":~r:rc ue nt.1r tare un Er: ~i +~di•nd:a' Bats ;a iu;•;tiMiu•mur r ml•Jai it nr y:.^slism. if nti,ia.;de 1:: d[t titic us='aill :rli!ur ih;?I .,=nu lia;li[ rm?tl?Lt+ntrHz!!k:+:,n•un;uit`:ia: iahtri:,:tda;;= (vr!hc;ur!(mn?)ra7 iu •rs i Work) !it;nJ;illl ^tf!c~:'dtia Wont djntgtlx'hnu r.:,k;,t a:cv,a!Izt,,l.nn;_ur,n[n r;x _;' .;u k,P.Cv,nr.(ln:p!cint ar y!rct;(x:. in ariir.,, aroJ nr iln -r:; nna•,r ti rithin P ht~ i:;[k da;>` toli,•n ¶ne pt;tu nr,!1 rntifiration, rp m:m no; r~x~,lii j',litr Bank;ti::mu! for trcnsactia7~ inirr:a1 att!ciry the t'nilaltacs.ia:i;l i!! "r; e;tti th(R am iriufers a'st:{tin!_ IrWt:.^,!r• 1?J75t-(d,;,llc tii'hit r•,m(trs•.C,en:N, c c ;'.iii h;uxa~t(t„du'ttdarda,5 to rxmfik~h_ our inr`sG:,tiori. urb:.;cmhmeiv' myliin+d ! !' lan' tE roua,:Jicm r~:nt trrnr is mrci;ed nuhir:' ;0 r.,1K?dar dS;•c sflcr t'(ntr Isa)11( b2+a1771t IS C;L`)K`(I;1;~ sill lia:4; ":k1 husirt'~ da,s ;a protidz ;ru+:ith :hr rsults iA (u=.r h!u~:i~a`ann and rarliri nirr';a't1;r an[I (Xi d:qs u? tLmjilcm thi intc,lo 1un1 - 1F:r;.:,,uniQtat.l.-r,. y; noenxv..)iliys!:J,,..,.,xitl[n r+.fa:lnation uithie f;?~; L•Ir:in(:L ii ~1? 9f1CN'4t fit?ISh G!iT ll:!tiEl'S!Gi)IL I;xm .,our r ~!?si rr •„ill I:mt'ide j.n! a i0; rnpFt+rS the d[,:mnrrafist er I7FAG 1!i n!il' ir!+;!" {;Itlali. Ii ::: I!~ T':i7tt;751Ui!:!il; ii'^.3J!t:a1 ~:HY f a7sl: nr(d:t.. ,I:t. !.1,, :.1.' nhr_ .n..h:r:t :uoJ ,k•lerrilinr L';,ti Ih(•n• ^~, no'vn!r :;, ;.ihtudtl nte'tlx. L ;hirh ¢ ~I r aili ..,x7•Lan,..;r, rt .r:_I the amran r ;r. re~ dr t t i.1on aria S' n.!hr` ren:ti:. Ihdt ur,u h:!nl •vrnun: r[?chair°i 57illitirlil nnxL;'v? C,nt.'r ti;'<r(i•Iril. II it d~xF. Oi?L !:?•'laa Ilu: ligl!! k? dc:riw ::.trig a:a,m,t, k, ,.a: (an; :~nou!Y; s,r t+: ivlhxi the am,•nn! form \txi Ifilii;!rr=trrri •r m,r: c:mrr:l :+1111'!'1;',ili L)i:iYlrlllll'1i111 `i'nrTJ!rt Terminatian t1(t, nr mj h.uik,trfmancial in4iLt ar lu ritui,:lling tntlu I'r:.!.;rJ:n.;n;r; rr~lNdrnlr:me(mmthrPn~rantrat nr;?I's1"+Lcrn•rsl+vrdnrlintitti~ :rr:ik lrrmiskxlatairpl:rw('inn•,•:ith[;~t~a!ih,in;;xrulx•(cirrAitd:in ;;rilif Gn, :ce m;n=d ~nnlinuc till ?mgn!n at at<r timrc Your n„ i In ~rsr:pa.i, i, tlx 1'rc,r, n; its he tt-!nma.(:, .,rrt+ln'!!di+1 if rite CJni awut.:t:I is c:st.^,:Ilcd nr utq cnddl. tf :.tt. cr,.iJ i ,(.7:c!tnd: tkx! xr;: ha.Y;;;i::vt yaur haul: to din ~'h. chnr~m d!i+~s io ra7:r 1;.'rd::5aunnt. if tits Itaak:5rt(r;,nt from nstirh p;nnx.tt,tiil ix: ma;t:citrr: ~,:: m::Le triitrctlirx;lnil(r Ihz l'nii am is Cksxl tr. uitixlrtn+~! truuadia!tc h+ tts [x our:,,:in,d rirg:;ririp,Ci'riin l rn!;iami 7tacli:rlnriRrmt;xnlrt! mcn:Br tr, nrd'rt t kr.';ut n nhrl,,,rt1}viii rvdni;. ht::;l(Llt:t.a~.,:klw rar..^!ul;rsal;,.,rarur,ttt,>,tiadl;:nri:tthc Itic2{.mi, at :!nr tiny.'.r our s:de:ln. n a!.xt. +: rli vr,.,th• n.1i rin4, s_ih~, t to :;ppta ti 1c Ln: li it; (lr, y), :;r,:ia u_rd tv .rir! .rot:(, hu! :+t ;na, na ~•r1d •.n. ;nr ,iiar<,: un:ilafkl ttu• n':rxatt6n tCc a1•,1'l:nc thr?i;.ifl Ir; dr•nr aluhun r t ~r6,c:t r r• ucu•! ;r.,7~.ta!:ni, al;ut. ti,r,i.:a! enrx;h . diet ut .l. •.th rx + it.,r ..rL!:tv.=. t xl ul,t ..ti ;ai t ,. ,+,u i tui~ c!hj°rl to apl+li i'.l~ l.n..5isn ntt Irnncia!r nufi.trite,u,tt m r.t alti' Prnrr•!ni hrt rru note. do sah; unna,;t<•i te: auh( nl7i_ ,;isrl r .i i~ tli[.5!stirn of this I:I'f +.rctat...t:raUtli+l"Lhnh•1"1(,Gn"t?(:rl.!S" Priar ~+greeraents and Assignments 'i'hi; FI ,:,teeni~i, __<.tperriJa ;!II , n1: a ri'mi.:~ ;:7;: ma; ha;; ;rit!i x mladt iothcl'rJtr hSte! i[aneu tti,'atii~iltlisPa`i,!R°m•ytitna a:iL'Flu d?Dl.alilialt G1I7,1%l.t~:it ,.!.; atm. ~:iLGP.IC.."J . \!'I,!. S 1i:xM1..., l.:.lr f:?? ti!.k it ! S [;tl?§I'.dA*.'. (4C a "~ ~^~,,~ ~~ rnrr t rt A C;niih, i'rL'ti1(I(11t, C';nsu;n'ar txni;ni n brr .in^e i'K•i Nafte for fJlassaeltusettsResidertts GcsrcrrllliselussrstSt:lttancnL:ur•',l~r:,t.?! r!xnhktlsa;,y;, n$irh n r t firs tJlat t 1 ! rtr nic furrt; tc ttnsn•r + i< rt.uk. d al! ?Y: :'!6n) unk ~ t~rknrk of stx t tranxftr :tnd s9:all rnxt .txr pri'ua tatir i?nru tlia' w l tr ^sfu++ i n xln. 'i Ik uu,t..u+ui In•}: r1 rtf G:irLtin l kannnr. t~tnrh tr'=nfcrs hum :+xx l1anA 4d?•xm iIl nceptJ~.rtlnv rv, ft [,fti,i t:rul l! rr!nr;tt L3ftli;;dr Clhlnilltt ivi r i 1 fl Lty'>f ~` L•tll l k rl; lI:L1V3 I'd t'c5(tf11 lrli'Sl t r llJla)rP fJIIt!^rl'AGlti:r t5Ki,5UL1i5'a11, Sl:l '+5\rl.fi(1 11JC11:Lt';ICI'l'7?~I'1i4'\SIYiRS;71ILRi:4l!itli,YpD SiIJ 1) y>713fP'.tt' 7 (IP!)fIC1L?1~fUr:l'Glit;!I;i1C01i Siih;ft I SIF:~:.ti'C :01, •;I,£Still.Shihl)'CIL;f 1'tIl:\.•11J.!=:Ut'I:GI7!'P7 IIiStlusnm of Account [nt<)t•ntation to iltird F.lrtics. II•rrt hz :F 1wJr [1'11tki1 tutdirtru:dkm 7t: tlitidn;t otfom7ctirx: abatrt inn. )our tan! ~Tnllllt nr 1rIC c1`!IUI~JIU lh ! 1?!lt 111 II+L to am r:'7J)p. 14a1 at lhal7:artlalt. si?alt n t ,nt. u~J1h L',j tr .5.hr, dFrtc rtceie• tl tlpuoual Limit on Obtntninn (•lch. Yrri711 t 'x rrrltnn lu t~n~t tliaT,.elimitllu':Ltd.inoJ.i';(tfcuii Iat):r:tmt r!hlir.immahLcinu <Jnr,[e day ur iii f wti eln-t iL'c ~+ u n ,;e aiJl t-tkrall r: ar<lahle akts to cony h •+•tth }+tur rc'[plc~t: Fnr'Ytnzr Safety Wlien tisinta an A7'M, Please Dkserve the Follawing: ii l'c,a .;t mu :u[ ti Wi•R r, tsidi a 1„t bun„ cl(ar t ...a;n' dmr^nt,l I:ld;' u;rmc711,in,.;<id nl-1,IHbfi.lJ;tal:~r'nnutemYVltn„Jin!+tr. t^an AT. { slu7!u ilai~.; rb1.111rm m n lx na.;>i!ra ni.:,, ntwt Sittlx,nxu teas gain Jnrt~ tria:i ~7 ai nr,:rlti!x tti.u ..n ,x; naxt •a, r.tdn.a.utk rnnsml Put xillulraer! arch in a se'a:m pl:tn• lx:fom stel!ping ~::ay fmm tlrs ?T19. fte atr!m of .'nor wtrautxlin3;- If ,t;! h^linrc,•n ! rare lrin!: uakaled or fdlt?t:txl, ra7rmJ er; r [r:xa-a7irtn, Ilr;7! to u; a ttc:ll-;7r>lniL!xsl :urp. 9f rte.+~<.nn:, r!Il 1:t' In;a1 Mliis: 1}a oat r,'!iC• txr,rr i'i": n:nnixr rnt nr ne;;r the t;:?ttl. i k! m>t gAt•+w!s Jilt rtnnly ~ 4? ain;n'tc cla:. in c:!u• ot:ut unrrtxxr^; rt1191 L G,!nptaints cx:nrtrnin, csstdtp at an =!nrra:n 1~;1=r~:!;i.c!~ur;lro,ddllr lin:•wd;nt'xaddi~slist:.+i!culpr..tn=1~?'iltJ It1ti' fole?,.fni':+ is I•:ira; matrd:,l Ix ltiaihxi u:nxras at I ~} if4'aab11? B:7Ik~w rrni; CJn :moor sx n:yuiral L: IIN.`,tI P. l.tla!illrt;. ror:l:olcht!s(•:s «5i;1•^lc Ju cdenc tr (L7 5 i7rtr:ul rulx!>in(~ da}s. Description of Gaverage Iiotclltc Put'chasc Pmtet2ion Plan Rbt•Its. iB1!at an Xlni'riran i:;lrrcc° C.ardnxmllc!• Citarru a crrt'!ttl purchrx' uill? his ar lter Ga7t1 :irriunt' dtc i'urlr:a: Pm:ttiott Phnt mrxt•7s that ilcnt I(n';k1 da}s fmm tf!r,^:alc [tf pulrhau v it a suilen ar:Irci•Jrni;dlj' da:naXcd incltrd6lg ,!ndulism 'fl;c?,;trrt ;: ie hmiV.J to ,f I!'ixllxx Lkalmirotrr. up k, ~3i,aIX7 ptr Canhrmnilns.~:aamt 17['r ;ai!icr':xar, mxl i in !iX(.7iS5 r>f oti.l r snare'; Haw tiau Benefit ![~uL:d;tnsr[::G nngt'n; pt:rL;~st*.i :err!tie;! k• ;:!tl: ti m tttrl art • +nrcrr).inrltJh!;;;8!c!am:rnr;llrrnlli,:c ;:aaa+hm!alur.ro~rpiath~un r•seafn'8;!l!?simul!:a:darn! *,+un7laxr eit,t twtt ia:lr~: a:^, ix7n inn r., the pria=rl Inn ni:n:i:;nul itm •ith.mtr(';a'l,~rnn:t!,`?,I,..,II nlax't r.t?!.!.ill+alh_a?!E•i1n!t lil,ire(rl t[i `:UtiF(.:Ir:l. • 1?t'a fu:r`:i:iv.' 'nr;,t:urn: Ilan Pmtidt' rr•,:•ri • Lx aj; to $t!D:rt tz'r :ktttn, att• +rl Lt1at fx N(I'ririlial :I :a7:1'„(l n!rtt•lm; t:!^::I ; ~*r:, t"(A:urTnu"i, rot to uz~tixl :5ti;tkx! R'' tanlmem/rr F roar Ix r !wiicr rt~r fllte ingi:::=t admini5mtar rill rlxidc mhrtlr'r to h:nr tha iicn rel+:rmd • :x rcjtl:~'d, [x m n:imhurn ;wtc rr:hl! or axliE4 nl! to the anvrunt dtamal to thr f1rl:ukl nu: to escc; a dtr arigin:d pl7trh :a priac'Mtc I'ttr tae;: i'mttx+inr: flan drxx not r.'i^dlnrsl; for s!lippin~ and I:itrrllinp, e7pinsrs or insrdlatiatt.:LliSMldtl!, lif Uthnf.U_T;irC d7a{~s. Who is Covered S!N 9181YRi f1d tl'rl!v this Plan and a!±mge r~nai;ts r~(au+•c as Ion, :c ,rn an n C.S. n'si'mtt Ca+rl:aetn;x dr,! is, the ?Incri,^,:n Pr:px'cc Ct!rc! !1:x 1rtx+t r+uni in },rot nnrnr, and !,an mai r::+in ;v7ir i'ix,;u::xnli ftL';i(Lnu• in th, >(i l .n. ,I:it:E.•s rdAn>L^ril::. Elu• U!sr!irt of i;:,hnnhia. !'ia'nc f i(i7, nr the 1.5 lirytin i:lan[k.` . Fatu i'tmt:,7r_nt Iitu:k:xi r,• utn;itkre(I ~.nu p:iman drz•1(irg. Kcy 7emis to ICnow • 1tPltittti will tx,l!t' pai[i if rrt Eli' da!r o1 Urtant'u ~', pn ilr: d:dc of daim Iain~ nri ~! tlr' el:uc al +ra?zfd hrdaim pa? m:vtt:m; amretnl :h!c nn.~,ur (:;:nt •S.!•tritis nn!,;:iu fi,ro;t~n; mare bil;inhc r.l(;i7 nr wi:r l.tul 'cattlnt n cu:,Llls' • tnumistpru:i;kpr.,cftrfpurdtacands'tl~dac6;rv~ro:?Intt'.xlht{t, i;•,•1rL:nt:d d:7mar, tn;.iu:hi.;; l,il:mt, .hl, rnt:ra~r is i:: ,:1fLa m rmalif)fni,7; at tJt.t-°rt!L1!x'la~i4•vlcrtknll'L•m.l:emenh:ln t.::1 1p }v i 4niGtuJt 1 ~ v ; dtarSc r(c.:ii;ts. ari;m.d slam rcttipL;, 11 d r1.1111at~d I@.m ~Gl;rD:n:tdu the Purdtlse 1'wt r{ian I'L1n is I:XCtSti: t ~ t, mean, that B: at tlu' II!rte of tkTA!n"7!iE, ?~u I.:n-t• otlmr r;did aryl all(ct!'tlc i;tmry'1,A. nr ind~nnir'- su;lt ;chat oat limited to hntnaK•7icr s yr rnrr:; iisur m~ti ,.~ ?u7rhau P(au'.'IiDtt !'lai: n11 crnrr tl ;!t antnunt nod n2rcr11 ccrliotl><airnllrJax(>rind.anuh}up:Gtlu!li^tso!thc Pnrutasr 1 nt(, wn I•!an • I'ndll,l ti'! IItK dlx,"!I'Jld; (x Il1rylCi fi0.i ihl t'bll 4rii?;! prl(^ nN1y1:Irl5ri ? i)rlh'r..nL rdll hr dL'dn(i{xl fn 7711.k,)tf~it :tl CR•.': S1C the Itl,n. Purchases Not Govered ua t l `:s'zhnls; n l r!c of t'n l nrl, nrRro?i;;bl: i2an!mcnr !ub^li :!; pil: rcnifir,!tcs ,,f rob and iif, c rrlsl, w {.? ur it, txpti; ai'1n: • niti7nidsnlli n ,jt! nL w nu n tth a P iglu >It dole r i!h kimdnl Id .ynals t rrh :7.c ter, oaf l:autixl t;t. l~ift.trri<l.,;tt h. 1'n IrtC[m:sl; • ,°t it • tim(itf pt r^h v:. t ex,. r.•hailt, riur':ishcd, or n I11.Irt:Ifa.,lIR111Fri1L<. ' tr tlt! rlain r;,'ol nrsolnn i;un coltsius (tf ariclrs in a pair nr?t, aa;cr,.~. roll 'tim!tal zn nn ntorv lilan the sahu: rtf n p nirularpan nr pairs. mrF'ss ,h(i .i bci+s an, unas'+1 utdnldu: ll Jtil c rJ:1t lx rcnlacu! Loh adualtr, icaiillrst of Jm sP,h:7;{I ialtre th,, amd;r(s; mat Iznr haul 15lian [k' J +t9 to wli~inii; penn'1.11t1tt rln,lidx)idA:i(V!#hLL4fFSS fI..l'arLK, P'n"l:'.dlL'y, bu: rM limilal to, n!7>:'ii7r(~ 17(7adil~ rmd!Gr tilr; htivn~•~fitrnttulutlin !ri 7o;linlit!,Jlu.air(rrlditiar[s. a~~nm,r:>c,nJl nt:.ix:ala:ul[k11w?i:rcitep::t:utand[F,ias; ore, tatnt?.ux clone, J111iI11L', pr-+i h!dr nd vs! ra.nis d nt 17t!rd 'vxlfrn n„:;Ic ~inf^;ilnnal,urnmmrtrial ::v; • dun, sill n tilir n stllhnui hdh!i t :>re!tl lox; purcha;¢x11mm Atrnrirull me 11..r,ha rh 4nRr); nxilnr 1Sl x htd4 J I ~;htl.n.mti ur rail, : ra nxrtnm; ILti [x tiuir nxrlr,n'.rg7uf^xnt.t :ii;nrarc~srnrte; d1.Tns ,,;t:rxh I„txv!,irho!.urxtl G7. +r:1rdt +ut; •aili le= held ns5rmsiblc L7ccurreiices fdGt Govered • ikyrrs I[h7 rir mi;Pl:r'ixl. • iklns~tutltfmntmolGr:T?hiclc~ • OrnL; ziGl n:turnahl!• stfetntaltlxlha' feu ffar esa:npl°, Imk!clal nr nnatm«![sl it[1rn 5LGIi11 Iron? ltublk facililirs toil! 7:nt he arccn:d); • itcnrsnitmfrnmh;~:,1;,innt::~r:i<Jirrha7:diinrl~Lrot:rpcrsnnal cuikr;i5inn nr under U,:- stpc~iuarl of a traaain; cn!npanian u,axa;. l; .nlC ' • itrtitsdt:it:midama'tlae!t;hp[z:.uinr!includingtnhini,;,sa:;=im. and ~ 1al nor . • ite!ic;tt:nl~rd thx• k; nom a) ,:a and tour. inlx'mot !i;duu defect nr numt:d ccrtt~ of ;,11!. isudt .te b:u rat lh?!ncd tu, gnli anal IcnnLC hall:); • L1L~"I1nUtr~ Cai5ll1 Ln' altl !lf t}1L' fGfl7!'lit~: fl9tld; a1r1L:C; I:alUral d1".C;!i.7 including httt ors ii7nitr~? tG. ilrtnd, cardt:;tmk~ tamadn n; h?nrirWtc ;'••ar or imstiliti~ lif mt-kind (c i;- intasian, mf>rlhntl; itivncCJnni; srnfiscatinn l;v order ra arr Ei,tesilment, pu)>fic authnriry; or utt;:nn>r vlfidal; rids of wnuaha:ul: ilb,~'al adirin Gr a;s mditsrttt: mntamiac+lirnl; ' • r:cnts Inst, damai;ad, Gr sk:lcn under EM tart a!td cnttrol of a Elli!il jrJr[r or c+mntun ~rri:x; • roam7ftclunrs didt;i`, • itrals at an mx?cn:pi ~I ^onsuadinn silo How to File a Glainr Rnrr~nhcr, to inntm prmtpt prr>~tia;g Gf :w:tr claim, r•UJ oral to ivy+a't a,'r tlu;ft or da:itagc immG~atdr fa1lL~.infi the laic of the O,xitrrs!te, indtstuti! Fx ;ifk parch as(v ;:~: the G1n1. Rnlrm!z:r nL:J. 5±17i n~'<'d k1 relainrgir r;cipts and n.,. d..nt..,a it_m iif mp!ir!rh until the dnim pr,;,:.s is otnlpien: i frill trdhfnr. I rYH! ;4:31>~ In n:ls,rl ; nurc•laim trn+.`ca::.,+;all wlltrt at NI/tC: liif/ 11rI/J r:jXlN t+t/[P (J'r!!dr-ifrf:!In if)ff(fjM1',Jriiil7 i7r' (:'flii'rir tan mar lx sanLa ~urrhas l'rct[x'lior: to:zi:n PGrmtvhicL'tuft mtu', ,^umplck. front an(J 3>.itt; c!t;r:, and rc•um iti iiie chums cffiLr •rillt tite (nlh'N+ing mmtil2d ib,^-7me7iES lkrup c:q>iu forsaur (ntn rmrd;±: • t'>i tn[:ritan taltrL'o cha ,c ra::ip • t!r Gri~in:d i`; ni!il slrtm tu~l; • t;~ irsumrtcc r~la,.tann fcnm fa ;war nCier 7aun:o of insnrurt~'. ar i7xkm:iitr (c.g, lulm^a~"ler's a+ tentc~a in4ir.;7iveJ. • apilntngi;ya,;d:m:tort?paireCimak furtheda.nagc;litinti((lama~ dams rntlv); atvl • far theft a7xt :°arxlalism ciaitrL a rau~n re;arifing E€it stGlett nr :nlt t I'rfi! it:'^lu most rx fikxf C?dl Lr tpprtgtriatt 1nlhun t ItJore )rural to lile a dJ7m';ith 1~ !'arch of Pmtrtmri h:a Note: lar nrxd zi.9 T t.:sr umfgrrlyd darer (ornr rmrl rttmnrrf r,'rr,~rnrrrrk t.^ilh;:r !•irt rl7ta (r .zr 7~t; .t<Ne !i(!ktnti'z'nri to m,arrrn 1'Jl4!'~JL'_Glr ,i Y'f'r hf'. i 17re prryr^ n •ui:ni!;rtrastr xill :kyi:ld tehujhcl ii, I rt Lhrit::n rr~riirtl or mldaarl nr ti? r.'i!~ihuris }tul i,.+shur ncxliL`t un tq,ls aav>ant d!:rr>;;xl in 11m (:artL and not to ~a„'^}} :lx ri!iginal p,iititaK: prim.'f w Purdlaa• i'na(titeml i'lan BOSS MK IttI7lnUfY (ar Shr7iri11,, ait(I ila!illli!!I; :S:Ixtt(S5 DI'IILC:(llla~on.asstlnhh:uro.!rzry_re'i~:dtardC Note: ~b;,r.,t?zzc,rt urlt 5: m,zcctur rirr!;r'c&7rz.sarGZ: «ry, dm.'nar uGt.nrl:+i«nlintcitLi tix riirnrnc~ zt ynirrd (rr !ix l: ~srmr. 4 I§x dmnaL'e cl:;ints, mum:!}• hr titfiittzl to send in tin dunagrd itamis), al i:7ur c •1z:7tv~. inn fJ!ilu:r (n;t!!rtiat of tour claim NGtc ,lrrt'gne,J(r!, J+pn mztsr szrrrt n lnr; a&rmrr~(l rlrm rr471ii773(! rklg'; rnrr. IGel1••rk q(7"~re::t !a nm nor rJlgilidc,/nr arr•(an~x: important Additional Information farYau 11u hr!x'frl; pmtidL'd and r the Pusrltas. t'rotcttinn Plan a,~pll rntly to rGU. Unl; ,1m u[c am I al or (xi d>vblc ril;lit, n mai or claim to (rn,rnacL pr~•txk aii(Vor d t:nas,~ lnllr or arisin,. fn,n ;he .'ur91: x 1 rohchrm f lan. .~1 rc'unn t do and pm7rn} xt!'ps milstl~ t k~ tuamul nr 1t'saal any dianrs (rf ttrrtpcrt;• ant'm[I h. Uu t'•.1?t:1¢ 1 rc71t'cti!nl I lat h.ingtolm a (L,maptxl. 5F^.ttm a lrnelii Ira h.+x I, td un!k'r Sl>< ~i rc1t,,,,,1'ra'axiicm Plan; tla itia:tcr Ix+x,mR e 7(uiu' t+Ml: to tlu c •t'si •rf si •ii P;r,.m~tt to all tnur r.!tiL; x x! mnx,hc, 1.1i!ti-t as n.•ti;im'snrk P•tn i tun t.ur mcu -! +ro!! mILC pro,ale u; r.';o-tut.!1h: a.RU.rrc, indc hop s„rin~ dxvut„!t ~ rf in:.2:;sJn: b hr'ri;+tti; in .;ur ran>". 'i1.•!'urcltasc i'mtt'turm l tar is anticrttitlcii M• ~~il.\.;~itnina twll(:an,. t"insun•r l F Inum rr[tic Clfli[Z, Gttsl! L'7t'Sti'isatr;itt. 7171; drr`mnt~tt ;<mxs n:tlr as l rrpb•n of u4c~..>;e endts r,at a polio) or xntratl of iltsttmni:~ tttt lrtual 1Cfni5; x, tdtti~ls and ~tltiintts of Pnhn':~X095i f"1'Glm"/ tnett),;ICP.ire)tta.l'r+ut-aion'1'lan.'11mPGl!n rtlx brs; itzutvf urArt~ri~n Fxptw'"s• 7rr+el Rzlati'dti•nicef C,nmpam, ,ix. (•'Atrklicln r•:j1rCSi"l, the PGliginldl~ 71tis (laattrat rcyrtaca all extstin~ lirinr 'k+rripli:ns of (iirtr..m For tlk Puttfiyt Ihnttxiir;! ?lan. f °`• ~'`~ sl° F;intttlh ). Cia:+. Prs. it!~u 'funGlhe Airchxn, 5[tat'!an• hh?1?:;ittittr?rta:tonltwt:n= A+iliXilu;ra7xr•Cnmpa!n• fa?3(*li-(31 1 I~m•Pn7s t~(r~;Prnull r74 /sr P>~ tJinzlx'r'•q Prnrrrrr(r +z:r.;rm•r t/rt= r+rl.f.l <r.. earn p, ,.but n-rri' •rta L( nrrrnx•.+ixJ lbmt{,q x:t(m)r::on c;`rr dfenrLrr,-.rp rt~nrvrrcf /z+ ~rmn v13 670650 7/19/03 5:02 PM Page 5 ;. l~rr?IY;.c(! t'l,lbir nnJ r^.;rrz/kH1 nl Jm i?rev?rnt:c4:7; ?li'r'r;rr5• plc?, n Tr jcr?rrr;:;m/xi„lrrc hu'?ntr~,n ?7hr;.z=r,*.-ritasl fti1'r!eeh !i~ rrrlenltr:'~:n o/ a rln?:8emv'.+ii, ';r':+:;ler;; m:;;r rn: rcrk'77r, m u~ aNN ,3• i:redz rtir..L..rsr.n...d.kn,'iu. rr/yr't hA'rvr ,mr, 57a?rr~.:hhr;lr. 1 i'7rr•,yy;.g+i'??(rlJi.'.'nnil(7i7711it:1.'tr:'x~i',iai'. rr($,LO;Ap litxrrn'fL'i '?lm~ Arn j Ti nlC^.1+n!'L7T;'?ii L"lf ] Yt-'YFr11Urr, I711f nS3'h11f'.1 •rrl?l.r n; 1'x /r.•Lu+'nni j+,-.,,•`rc r1P rtv c7 ! l.$rrru ~, xen yr7lrrn oj'n ;liMlr?)Brr?;71r ?i(.7E'r'Inf~ PiR[nn711 1 EX?crtr;dir,u mrlrrGTte fr(: k, ?& .s/nk7i ?i.v?i±;, rtrbnhrrr,!?:hryt;ir;; rnrtllm;:rlini? fr~a'nsre•. j. ?nprr':,~nr, nrzrriorlira;~' e:aviiirl it tin::?c~a:'>.):Jiip R.'urnlc ;rmt!lr r1r::1:1,i~ri;i'r,%i~: llr•rr?;rl./,mglr: nt ;'rrhmr>;ir)n u; i:ii:r:rr i'r?:1 o11?rh!'rralrsa:°,aii.r d'~u;rc'firrnirlclatr:~• iaaleA?; t;iii lrnT 5t•J)1:.! rrlhJ: n.;7cm'y.^,'!•is j7 itr%r,lr klr: ;art%;t ,r: J,•,r!°:~rn rt•11) ul t•r. it Lrr-7 7 n1. u:~:Y 1n ;u;::-.4i~:'•,,Ir r;rnl.+nr i ?>crs ;:;;f,9,r lun%-C.%nr`n;rn?Lc~r. ~: lk,rr nr?lih'dl'la 1r. Vr rY 1 ]'. '. tl'Yta : rhli r i it ,,;. ?r•:1 ,rri r>a ,1%j « r, 1lur.,n?n; d+nr r n r'ri IY,?7 17 rr JM err ,. rCl, J u.71. 71 n1 r 1%,)rr ilk»rr •h;nr/, „rr::n.F. J,u.;;r;:,r )r,l.uyn,uul r: aye,:,/r..:nlrahf• s1??lnliiY•a ..r rah?.:lou h, n?Drr-rei:ri%rjr;;,CTinFI'rNS. i,,'';x?:reJir?. pescr's{ltian of Coverage Ffnw the An}rrc aSCUr:!nre trlafl 1Toiks.'11u.:.! .u l n:•nr':rr th a,~:F :hc acrid. rrsl of i! m~°rna j,nxh!c€ Haiti i h~ nr her Card nrcrrer'. diu ir: tt r tiu attm I 1 t ,Ii a~: nd A u mi, of Ilht vri;;;nxt utrmu 9ru1tL! t r air nt (nr u ic:!:J' nl tut v:d to the duraC~ ~ of the migin,J n nuf t-tt:n~r t errs! h. !qt to rnr .J;litianaltt'ar, un ,rrrr.:!:tirs G lire ;.ruv nr Ls., Jt:C r c!t~;u,k ui Ih~ t S HCw YCe $CflCflt • Tit. ftt art Aca;ureta ,'izn min ,n -itanu!ad;lrr,,' :1ii1'r:Inil i Inf rnr.-r,:c'', jvntd:rcc purch:.Ga: colic. i; itith ~rnf r tant?w::a;n!t, !!p to wx: :¢}Iiiina:L }i:ar • 1ti"nen;.}uranrxtpr,du,-:'sn!mr6trtun:r~tiarmi:,:::pms.!hrt;tryu's ~rarrl rx 1 I r.! i !}rc rt, I nt li to ~ ^ i ! :' 1 t u l,a.; nlnr: 'sL'n tfu eutt:aannu,,:: ndr;;ni n.tcdr l:.tut ,hl .....h ;,; ~i!11Yi!1. .:Ltd erx re hss t:.l .! :7.uzri tO n A~ Jrr i::mi a!.~t .r lav, ! r l..r tat hn a 7a! t!I rx:~;rn:rxer r! nbto tvt). • r', z ! >~Ifm;l!t rr ! {nrhrnilh!uu n d frtrrd;una;:r tznYr'Ir t.t,l(r..nt>Ftltp!.:r!..x[in,.u,,;•,a-r:.nt.! (n,ilma;o:')- at I A r tr O:Y,+t. • F(r ll~n rhart~i enur:'Ip :eitli d t C u.1,1hc I n>! n n ! I:ninr;lcnn•r.;ll 41([11;: 1tt1L'IIFTl3 haiY Ll(' 19,11 n7..lln'd rrT m;)11r.,i, DI ,a R'L11JIIrS: jtiiil G ~) rr ttiald•j 7 d t t c cr.l um ar t ~t pur•I ~w xkr. the finur> A,nare.xi I'landlllatialfLlnll,:Ir~ftf, 111.piF1LJ ,1!.a!:dhn};r•.pn:t.~tar insi:dla:i(,n::r.~rrt!hh: prr`^ssiunll adt?.T, ntanuenantx nr [?h(r ~:!tite ~fintpjs` • Y;7t;r, t:x ixrrur 11 gra~..!tj tot ivs nl:iniclee n. a t .t!r n: s: n= t F.iiv sh:+ll 1>L I!ahle irZ ane. arm i!i 9jc pair im ~! •aila.l: fum: tlu;,c!s t,f daim it:niy;i~}s • hnnnritktn„isrrtl!.era-rnrrll nt!Iss`•,f;nil{rcaut;rnrr;al l:~,ilurtt. nxltlit! sifts parch INXI rnr nihitll Who t :Covered 1'ri!i t m'nr(llir rr!ntllr..:ud + li ,,.rn ntr't li.r.;tG:aga< .Gi! m IC Rrsidutlt ir1.k•marih!!c fuinr-!rn I'.~,:n=sC:utlhirs >;~st n tt1:1a; no a itr!r ,:rnr•. ! ,1 }.,,.u!..!ntr!.t yei!r P[•nn::n:yrt Iits I n(,. ,.r.urraim it t ;curl;I i', if „nu'n!:i th(1'lstnrt nl rrArnn;,ia. I1ti:!+c It~t rx?ix! t'~r;r, IrlauJs• Y'n~l~~nanClttRCShlhhTl=i]:^,!l.rn`r,i'.I:pn ra!~.hs,!lin:;phx~ Ke}? Te:rms to Know. • Nt ut h n.il to- itt } ;<!~ f ., : Ih( tL p it t)a1,rr n r t the d::k of clam, Ghm„ rir a,i tht l.ac al•;rn~ d a: d.i.,n Ia. riinL J . antt!u!a;l!u an inalr Canl:Aczx, !.t k ani;ud f<n =n'it nr iov n bd'!:!g c?;it(st or tour Ca tl :4rc!unft; ctna'laxl ~ • 1m roust 1>ari ~ p! rJ([ f (ttn ! ¢ .r!.d,;:!trsi am pawl nr dx a;tensl tki:urn'f.rswidi(mr.r,•~ciltdl'u,.t:icpialtff~v't Lcmxlrrtlu: hu,rrs A;cairantti t')"tr. i;hnt^ntlur :o,{us:,, all , uur:lnt;::ictn I'aprr~,t dnirg• n+r_ip ~ an,inal am rcrc4pLCJi>ri};hrd manuGtcn:mn n !rr! t i'S and prri! = r'inu-!nl r~ air • II'rn Iwriitsr tt Ih!ni:alctrerea,utr;4 Jr( Ii!x'rttP ri!1;,i4 J p! =lr~: uli!: h n r,,;te nvcvi (h,;rJle u•xkH a!e f mgr s ASiir.!:ut l"la!t, tnd Iz' ul'nitit,.Jtr rlg:prsti•rlih lx;hth:un milmn ft^t:ar+. t amt r : xtd llr pwt.l a•;I strut rr,1u i i rkxt nut is i tt fn n. l r, ih pn:3u(•ns h chi:' fnr:o }~ t:'„L! tlr 1 nl e'}a in to fI:!n L : 1 ! w.rt m nnc;:: lan cull r Gard chi x !mniK b ne purrxl and ' attar ,it(rJ;~ of ttr , n i! :Inn }f!rt i,; t s Irt to r: ?n rn,r ,Jd! Kxt !r trar,ft, .vtth 'r nn~ ninl at.t:.!f'i 11. :: fr;nn :ntd !hc Cta isrl v ma runira1 na c , a ltnl l1.1 v act r'n!i ln!rchax u1 ,!uenpn t ytr Snta l•l.zt ctrl t n pt rh.si Gum xnxn a7 ! irt~• +r r h nru.., kn,a',, it -l;n; en P st!nnct' I'IJU to Jt >f, +c'luli chi ~n!a l Lm tSln (`Jt ti If ilx•tati llilFrxl CY!".1`It rH d1C ll,nl 7 m:erufr7nr•rc u,,rra.L; :rod the tr?,tdLSd ~.nrn rn.irG u:,:i elk lr,'c, N'tntl~,tiicpmdtdpuchzrxtr na tgJtLl!-~'rthciinrrr~ ~-tir•~' flan '! al n r cmir!,t ,ggd!rs. • If t a hap an .uLlnnmal ~r.•lz mmi;!d rir an taur:,kd a:tri:inn inr p tt mpntcr anliJ~r m rijNnen+ r 'rt flat Air udi m tits t 74t !, ntLm it }! 1. m .! ufartttnrc ttJrr'!th t! la< u I rani rr~ t prni.l+l front at.,! admnnM^n,l 1.. llu nn l cal n'.t! ldnri!,nx ca:tr t5~ a Ids; rr i;a'!•xsAus(trmr~!'I:nulx's!v,tq Fi ~- Products Nat Covered • nkhta!7u'aatin¢rmnuiat•L',r,•r.'ttarra!i(stalo':Iittixt.~. • attitrlinar><),ur~la~.uaat,rt~~il;.n.{urhis:islr)rlrntanui'~tirt.:Jitunc • ;trrxlur~a>v:rdhranuntn^.li!ioralsa:i~arium„ctar._'v;r: • mr4nn,•'(cir~,}I~!st,rlt:brtrs tort}s,mnlrnrdis.~+au.aiq,':a:zr.) sod [xr parts sultj:'.": W high )YS}, ruotht~iMr v :ar and ti:;t ar n711r8;;2311ra' t+msrnd!tdi• -ba~~~ix.~rhu!'amr.,,;!irs.hr,^ec, omma.hrak~ h!Ctnrmuflu..t. • iue?arscdrk.icsa:tdtF~•ir;atasusrrJturtgria!I'ir,la:i'tc!ria;~ (IcRnnlilian rri TifitniC,lUil: • n!ate:nxsl4rii'!stt!ul?I!CirllalLtiilitlltare,(•rnrr>rntadditionror li:: un=?r,,^, ntid(rolial nr cnrri!r::rda! hnililirnt• • i,ucilrs fiau:¢ indudinl;. but ern limil(d tn, air an:ditir,nt>,a. • la;xl m' huildintg • .tins: nkJ,le cr ixr,;ita:Jc in:ala • :)ui:ndkolliriredl2ntC r,ur•ofyl;in!nnkktetrhiehcaun:tltx:nulti:I: • inns pt!!d!:xrt! Inc nsalc: In,if sit, t u, nr trnn:nercial r_u: • ifnngtillulxl(tiro:alhtrnEhtih!},t(;((gdti¢zc•pn,ii,a~xlinrn :uur!i.;r,: E.pr~cS dl mJ:andix• k!:i~l.;nttl ~ ar:,.lt,r6+;i'h tnaun6+G;:;n.'t:arran:rn.[,r ru:nhincd nruw:arlurs' ;ear:_'sss:!;xi s•nirx l:n' :•g ~+'~!u^n~, I:~ :ng is • i, ra ul fi•.t: ve!rv Gccurrertces Not Covered • m,•:!h)sic!IJ!msy !td uli:!{,d:rn.!gc:*_,hn !LStlinfnaiural dk:bt('raraj+ar.rs't.r•,c.u.r.:t,:loi;lt'~I.dlilir 101.1JI91:Utf:SS n'arrant'arrrvi n nr imn^e rr tsi a rn;: of ti lc h,llm:•i!?!, r t ut ti>J.4'; xtr ar hzH!I>.is rzf an; kirai te.T< in::!s!n:. mbrllicn, hivr:_•ttia:i; r:o:!tieatitnl Jn nnhr u(anj rrtr!arralt j t li rc amh ,it}. cr c:c:nnts n((icali lic}si,f otltirrruul; illegal „ruin' rr acre, md!r-r7hr IX)ni717;ita!jn!1; • nlir;:!:cr.diailu!ccu:e!:r!u:xkKprriirrirr,;tl; • allr)a7lrre.xsslhnalu,davtntn'a!kf!piartirc:t,;anm,:•!'m mzraj,+: (ifG'i,c l,erbri. How ro Pitn a Ciaim fA'rn::ulxr. ;rx: rkx~ :u rcln,rl J,,:• iia'ttirla i,un!a!ialci+, i i reline Thal Lir;jiRln;dtaalcilhtlAt:,:ni I?rniz:rd,.r::v:.•.n:us:'ni:>r .,u:..,ur mai,tR.?'.x• Uri:in,d at:ctt:h;cttlmr'a rs~:n:cth and !hr nr.~b ra nz.uirir.; n'{k:ir until the daim jma'titi i:rr,:ni:1Mi'.'d,u t!. ttLvt It ;tst I u uh +nt c. nq::!:r :5:°nr:'M + r I; t•Il~ia . t H(NI- > n?~U ,n lmli": runs ;.our claim 4nrr~•K. G:II r~i} tl: itrr' t~ikS) 1orc.1.,1. n Irv r;lai! ,tun ,.rLlli . r(1.:+7 ,j4 rh71S jro:;l lrq'r`Y.IrC Ul 1J;r,n7i"1G;" wTnrpn,r„rnxJntini;tr~tnr;:dlJrul<r',itctitc tol~nt!>` t utgc,ind to rcpl :ad, rx to rt~»h:rnr, ;tm !etch or a.J!.) np to ;1?e 'jrr:r:lt dlarel L tltc Cyr,( a:xl :tot w rcrntil da' rui^i;eel purti: ce its `11m tiu}v's ~N4AT ul! t (l,ts nvt ~ rnr li+r s'tiplxng, a, 1 h;:nrllin~ elust>LC Or nyifiv:!,u,: ac+'rn'd;,rrn,JttrstrxY Cl:ar;;~..' ~otr^"•blcgvrtrr7?u:1ib n.a.Il r1,P,YYIir?flf'll11r11Tt%nl;i7.Slrr1? ,,AzdnrBnlr,?,'n!rlrlrrn ! c7 )r+r r~r15t +k IT~r:rr. 3. lrwtmty nt!trl:lll r,Y1',n:Vid d at.nu:naua. snhm ist da}s fmmt';r rk;u• pf rxc!!rr~a t: rma t i nLiI,4' f x axt'!:>;!c. t. for sonu d tmta rczt ma} ht rxpund b7 sirtd i:! tltc d•un,trxl pmJ:id, et •:,;:r tatx z fo (tnhre c? dt Jl! n! d pxtr clai!n \ot~?(r err 4/'r,n(r! atr,nl rrrJrrf +'!l11YV ltrallun •,dclrrs?,cur, uk ;dart r,) c,r, +c: ,r, n• a ~;, lr,'r J,, n rl ;!n• ddd'rtienal Information for You 'I1F hn(til=pmvkil L!:,icr rim L'u;.rrs ?;~•tr tw l lac <q:p!} nnl}' to w;1 •n+d::!W0im1 d Cdrtinu,ntes un , r,rnn r .r t +» m I dvzt r's.uts I:au:ur:i:;dtaynn:JJb'nh manal;nrnttntlltrKranntixi a nd7i,rd:atL^Crc a.klr~ar niv11 , f!rial ilw l>u K..:sslrna !'lair S:Jtr1 is tlx unns antl or;irl !;ns t?r fix I'h+t, ii Ihi Canin!snl>"r tc nalificdlsla:ilt,arra.;lanu!kxl(n am~rasrk {,( .;s(tit mji ~ the maruhdtlmr a ailla r~rn a1t1 ~nn•t Iltc B r.,ix Asillr x id !a trill :nminls YJ pnn,d~ •Yn,r,Pa not o (rYa:;l mx vrar ftn!n iht. J tc t1u. Canlmcnttnr x!:ut!O:cl of nirh ! ncnt 7'hc C'lrlm~!i'xr •rtat a ~=rxkl to p~aJrplnd to Ix fnnn pl a puhht annui!ra(sru;nt ~. other ttff:: 31 dtnumnGtion "fIx~1Sn};rs~~tn~nrsP111sn;,Jrr::ri:it!llr ,ailt4~! aai !yri;;• t huJrr"i.A,lrmn~!rnn,:IY,iia'. Gnc7l l,r !,.ri c!n 71jrs i .!~I. k xr,~ rn,b•:a _ cls7lMien (il c>r rra~ a:xl; ..n..! tr,htt nr'rn Intci rd nslr!!tcr; th( aar al ,cmta, t cud! k, x a!ul ( ct[ v[ ns o(thtl!; : tfr) t I'[,I,~i") bvrsnt t!x In..rrt Aiturnxt iN ! tUr Nolin h K! t . tceu±J Ln an;n.Jnfap~Trtilta!:'rlS~r.,t~Kt.~m>,! h!Er'.m ore ;cpti:~s"t,lik I:dignakJct1::i.,(lxa!n!~:!irt.l•is,.ilcas.n:!;prirri- sscri;Hi n;ts r J tex rY kit t • liuyi'rs Asrnr+ x i~l:rn. ~. ~.. r?i ~. a' ~• {rep F:er!ikahj.G':d.,Ymvidc!:i Tim:aln•klsltan ~xrlar,+ Aiff?e=ura!:(i•Cum;rmp Vin!::;~ssilra+ueC•tny,a!ty Gii'~iIAJ - l.1;rrF!awr ell(rurrennoc4rrr?ikilerlF:r~,rRi/nlrle /,r.;+ninl Li e,Urt nut r,rn rc..^.n1/ )t>„ra nln! rrrr. Ue pmdxrrtrllGm ~n mr17r?>?irr r~rr,ircnnl>i,.v+/r Her rnrli pn?Srrrnr rY:'?[9r7JaN)1. rtrrl:tGlrr. 2. C,'rrr?;7 rrirrbrnarrrerl::r.YS rr.;F mrpF;•!v A~nr 1 b)d:.S?r!r rttr?r.:!:k. .?. J .x• Lrxra: c?eiblr, nrlrl~ mztirri n iix: rilen)t,•rn;:bt,'n ?7t:.enrris (,rr1(n(1r77. k77nr11? Ur PY-Zld II'hr? r1lk t!17Y7iiIl)L' C1y;~t77rr? n.,~trt71ri1 )arlrrecJ117r;r,rrs-!nn! ji:axx?r ri::ir>xllh;r»{,it ri,/rnlj:lia:r ~•/:r ;t?emLr7••4gJRcnrrrr.~•jnr rem.mcti:npLn)ran'/ii:cn?er,nrolba slnkr;`tinlrt.,. carlrrrlirl~ s77y7(+;)zn rnrrll)rn;rfri•^~ r:tju..~~ :;. la?/zrinn? 71rNrlr,•r llirc• t7tral./ef r.^ the d:21n1'r•7:!?r/ Kerrmrlc 11Y"i~nrfn?: rt ?EUl)tY.fSi)7J1 ii'!M. l;lrr7p WYl7 1't'!1[•J7 jl?i/1/ U'!(i1)UI/E ~' tml ;rlr?r hr7z~rlivtrntJ br. e!?;;Jb's Cerlth7,.nitx:rs h'ritEj G• tt?t! ar,f .hi'luta~ r~ir,•n n dlenl'urru i~ :lc7c'rrr,u p: r(?rrtm 7•LrI.'rrl??iun. ~;li urklr> 1rrw; lrirnsrr~'rl k ncn?-L~iRi$le f rrzli:renrhe,,• mr% rn• n,u•u::rlmrarlnr,. 5.,!k~,,' nn/ r1Jr(dP?rr:Vrr l'ich.:Yr;lr)rsfilr'ntc ,t~u~ttta_t=~ f:..t>t;rss~C~;:a?>vr.•,t~x C ~?: 1.1sa r,~- 7.t,~; .ate o I)9tii~GF I1tiCKa~r. T. i~t ~.'~ Descriptton at Coverage C.ar k^n~t tai;. atl;l':t•,tmai!c Jrtsntrtrtrr perviJes dl~ C.attUncmlxs; d Gte r;;;ri!nc!nlsr k tl:c primate ra^ur, i,>=<i 'n;(sl lxlrnt} with i;xnrJ!tce a>,tid"~ fur dam::sr to ni:Its! c,l mr~ Pin?al flatus sti the C^mnmmhc•r ts!s Ai C:ml tas tlr~t_riln'L helrn:•i w r ~rxi aad l:a* 6~! a;i :;urn rrnta! hero t t 41mm:raal i;;:r &~ t rl tnmjr,:t t !' i rn':1 Cnntptr:ip'7 nthcl :I:an th ci Ir:c!t~rl u! P.tstmlia, r•la!xl IsrJd L11. I !t!t :ica. and ~~: •'''/_a;a:td.' Il!k o,itr..g; k aW.:na f.XCI: S i:nux~. Wha is Eligible for Covecaga tot sim eli rbl for ro:,rrgc. i( 1. 1'ou am a li sa: ar Ail(litional CanJm,otilur Ind .n. Alta n an ;pn'ss`' G:rdnr0!:Lma" Car;linar.~)riaiMnldh.antt,:rclltl:Car.!"l.: lf(r it~ted u;, jn:t rn trnu name, ,:i. }f,ll an: f.,l al: au°.LU!11 Sta1L=i :rtd da.~ tJl n li pramhl (..ar Ittnt.^,l izlss ar,l itamam Jnn!ra:xt :5 ahrt~i m t;aTCln!r:rnhcnitm r, T,anini< nle'r) vtd j. 1'nur G.iJ aarxa:tis!dlkd fra:n a t- c r~*tiraiingcenut I:! tLY, dillars: a I'I:ItS[J'~41, C{lli). Itraanir Phis Crr,ld i ual:n tier tlia!sc! ! +'Isl :i t:i; arrrirlitulhtur}ti'art`ell:.eulnusfi•nr„r,!.l!.i.,rs:i:n<,tn~$Irt!.i!rd ti!aus aakl E RYS:q', i:,j; 5lllrf9lL lY•Itilllr))ni.l(Jttl :!c a h(•ncJr o1 t ,i;r,•mtrrsltqu notch ni func~n~r tiatJcrntrFi,lics rrannpr•! dr r l.,nfd Ca t}•~n rr" tar 8 ~ .,1 romp! t mralL:tnj. c;innntrtteltarr~n:calap',tr.r.'h,a,.nnlht:.talAi:uis parthcmtr,,asYSnf tl u,?cyriptiGn of Cat,:r! a.COmnu.aal Car Itrmal amp m; ~:ltans PenL'iI Crimitanu" How to Activate Coverage Crnt!se (nr thclt of tii tEnut;x utr~ traital Ati9i h ac'icat+:,l ttixrt ?itr Ca!rl!ncmitrr 1. prucnls h~ nr net clittMe C rcl tntl'° } erd i Cnnij:am• to r~+nr ~ tr Hcnt4d Aa!.,; t }• nialtin~ a ~~n=:nr?, rzr Jr l,l.:ani; d Itnid or ~;:sit ut the fiatr dtc HenUi Facto k clr, M'aJ utt1: l rkclirlcs the lul l Ciillisimt 1):lm:ttc it•'9ter ar SinJlar [)plian ("71~3r'); or pans inr a paitial nJllSem (L•im7',;<'acai::r. n(FutJ b :hc Nu!u!I ipm~rt, i k Ilu nn nln mrtir. nht~it i; Jrfincsl a_ tl G:rtlmtnih r rho is p Imxl r, the Yr' rtt ,!pnx:nttart iwth tx RenLd L nq air ~ i!t ttt'teur, rtx!u•ig .eul taLtn, t:oiltnli aia prnsr•.'nan c! tf._ Rire.J Ai! .1 1'nnt..rl t;cnt!s't; a!vl uu+: 8u• r:nid to p:r,. Ctu .;e eu;ire a!ata r(atsJ fti!m t}r.' kaud [ ompanp attire ,i!tlcnf t.hirk r.--rum: Car.~r!ge r[aitintus in rtf'x til;lc irk C7rr1!Tkr11I?rr ir7rla11,5 Ii? G•x+. Wl atld pcssc,•sinr of '>r Runta[ +nta A4 i!tlru mhcr.,ttors pfi)si~Jh• cltrJle;rJ ux1 tmaWc 4, et>rtate tiu 1 rnr d :tutu: n:rt ;x dtr t'iiroan Brnter if iveslte ntlte ('ardmenlhir caPa,ng i.jto dm n'ntal trim atiirnt. When Cnveraage Terminates. ftrtot;t trn'tltr~l of nr d, roar tr) du F ntzl Aa:r7 ~c+mina!c~ chat: • tlic Re !a' In nl~m rs4mx control of ih(ReiiWl Autr,, or ir't ankna,ut% i1a;s a5cr Clc i..cptatParl t. m th(ckal net, a~lidx'+rr is caiii:x: • flu: I+uhn• k cjnralki Length of Cnverage Carlh•iual!.'raa.xi:?am.~htsirtrxx^,rti !lyitikH~7taliuu~ttite!t ns!1(vl tutrka a vlt!tn era t:d .tFra^crr; from ~ i:cNtral Connatlr her rm murc:Ihalt irl TILY,alilt Jai. NuM:?n , (rrn.'atrl,l ultt7 r,;t !x Inrrrrrlr! r'71, ?k f /•r?nrantxn• rxnrlr r? lu7r?r1d . Urlr) !r, lr nr .NI r•raitah. r rG!ix rru?. /br ux:nu ;trntrr? Pal jrnr rr'kTlr[r+NS ryrll'i7£?li%'?ryc67 ,,»rll rf~n7241r 711 r i'1/i'J)i?i•4? nr rl nr'rr7r7 r!?r 1 [t(7rR'1/ t711 C e'?lrrrt r ten w n its i ru°u re is rcadrx! td111ilar'111 1U CMtr'dl, t71i Ix t>mdd~J tll n fir f nm.IR } t~tler n711s a uel;iai Au,n fur m tm tl.at ~? ul b.:a'~r th! s iritt u( yo da. p2ricrl aitl;in dtc stm: }xn,rap'.tic mJri.3>?trr.rur,t + rode r.!dras): What is Covered CarNenL'tl incs.^rd i):unar hstlrans rvlrhnrse a Ca:d:nemha for lla}nien5 (x damae ti nr L'trJt rn a Penal :~irtn that the Cardmctnher is regai!n;i m make, w to the I•~seroL =i tllr actual uo'[ to rtpair the Rcttal A.t ti.'L) the t;itolu;.k P,atk r dw tritu>,c r h age ar~d di,)mia;kln c+n'Ls, ar i) Tice nurdta_sc imnix,.tncr of tlx P.rntrt Autr, nrinns xthage and dr,>ns:iaJai,ass fly rr•cra;e al~7 srrmJmrsS fhe CaNtirnlx:r lac r,,k+oitahk [I.arccs +,d.~:s;..har;~ iealmd at the clcs~ fa,ddc that are i ~. v13 670650 7/19/03 5:02 PTi Page 6 u_.tal yid nt~r~:ur.• is the stirJnih' in c:Li,:'a the ft,.x,' ord's;daL:mcnl utnk l,lr~) iinprsxl L•y the ltryu::.t Cnnt;aarr. s!x;ii:..c tat:,~ing nr sYnr;tM1,: i,ar Rrrtal t:'r~ and Ram::;k I nsunnt c[r L<I° ran n;hzr t}1: of less. fm ~~'ample, ita'dtt: taunt nl„tni!isinn i:;F?;lrint Ilrr t:attim nuns ri•:nLnl A!tm; da.nag in ::nF plltCr (l'IY.T`7 fa I' RI' tiaC atj!,f: r,i 2E::`,1' Or;llP, a;:11!~ Lc not SKr^ma. . Notes Yx'+is Jx,/i~t't&xn' .r7/ja r+rdr' Unflili:`t~ cxarc^.r.•;,x ;l:r f'inl::vrr',1 .ll?;'::ri4.r, lxr,15iis rurdrrn;7)• tt~b-itr, ~ v:rt7Ji;•nsYon troy. i%srrb%iirt. (x^!;;it lrt:•:,r ta5cr n:rim./rr?ul fr.:7rnnalrm/ 1'.Lrn+'. What I:YtCfSS Coverage fVEeans i„;r Itcntsl IIr.S altd h:tmagr..1?±coranre is :u! "~!j'i('I:C< i,nor.:;tr_;il:ur.'i i,is me v fi ;tat 16iis I:S(?f,`1 dn;x; +t„'s(I rntnha:car: t':m r:a<hxsnl:er usi: Lrr Inert%ccpct^s lent i;n(aMl 1:; :;lane. stN ':: ti a ~arti:J atflisinn d::nl::F: saint;; anc prtsotrti mt1r, it~ui anx. rsrtluve'r's ;!thn insnranm ur tciorntr~ntuat': rl:!r: orntl!tr gruvei: nt iasttr;m(e. Cs'hrrt i'x:,•.• ta!e:r rLats apph: a ~'inl:~t:rnea•r to;tt fin;:ad: r. yaxnir;r mimburcmtent :u:d nc-:i,. n drltrntiit;uica l:asd unihc siatrcl +rnns of sad! ollstr I"alt>, that any sLtdt I'hms tts trout^,m+iilc [x,ten;e k(,r•.ti<i.:CGI:SS arrn~c,v~P rci:nhu,y: iltc Canknennlxr. Velsicles Not Covered sr i;Cs~t i 1 rr t.~ 1 ?mac surrtt in c lot ;r. ~ nt i Ik n( • ,xrensn•_ rtts,•::hnh .n...n.,:^us,.IJt an i:n. nt.I .a+a::t.t~,urTM BI!!. ! rl n1 ill n C ~ c}t: nlli n; al ,n it : nt • ('+::,li, c5.ts n vld _, ..[.:r r, t ,h.., t rc]ldt t+,L ! t r n U.tit:,l ts,. iiiY imiCl (.r:.': ~tt.•. 3(t,('da +Illal`d t4a.Ja }:~-?. 1)IxI;,N= ii'iL'f a:,d ~Lrale!, t'::hnntt: Pr„~i;c?;n,.i:±ishi:?H:c1 tIC'+isin i!11l.C, ia~ i3r-it::..r,_:,rt til' ~;crGarS Sl, Sl.t;. C (iitiin ;uul lii_!i [:uular,uui ( ,naertihlr_ hTiCi' :aij.:Sj:!tx!>'v!rits Cadi11:¢.4llaa_:an,l i!';I I'nn-i=°.1''srrari. iann n„ht t 1:i~:na~.35V.n kiarit r . hu.;C'li •:al<,c Shrl!n (tl,^;, • ii lLCi6.1r;;?ifn: (Ylir.., ;ans. l:lr!aPi a:n?:r • full-9 L1t 1.[r~_`, ii1CiJ I, t t o ,t:, lute =,I tu. Icnial' .x o tb:,t• rr til:9a i~a;,rnr f.8?^. Fan urXfnst:an; t; a!". Yandun x!id ?:::II;. 1•.xlr ;t::m tn_S :Itld ltallt ~i`afUIL: • :ebick:s trbKn h;rr iXin c;isulniri?l'rii mtxlifi:el fmm the ma: C7 t nt..f.,~ar so: If ttiitnsr Yj,t or :la .:rs.ct~,sl;.,;.e [qui. nut i tt>' tin: rh?v.,:lll d ..II t ; ;J. • :tl:iekc:It~dfrt'hirorixinttrtf!rt:!!pvnxk~: • tnfni-r.~;tLtmJhtttcmritzr;ialhiw ~utr.'r r tr lo? ii7ia+(,•htltr r n lit •%~tit;isjs:~;;$;:hn'r _yA, ir,i l ~ /;:e G'fln1C 111) F7,~1/ Jr! v,J.c:'F U." lt`J 11:;~1!l~'.'.'•j, nN/ ili:•r iiniiin' n !rr{r tzin ! ,17rnr,i 1 i ~ rgr7: ,' tr' itrr7„slnr•nnd :x'%t,4l// ClilrSr: !?ri' !.T•?iarvl117x9! :YY:h'1l jnr JNq+ni;rii rl",Sleii7i:ai !t$t• • antiq;ic cis. ;:hcli :tm:n* car, that arc' a-:;:Irs-,dJ rs team n;;t hwt nt:ra;f:_n >ayl F:,r to nr nurrc ;=xns. • li!rmt5nt: . • f;ai-tivti}yn.n unlit;. !rl:irh•> inrb:Jim. hot nnfli:nil,! Ih. i"x~ rrh L h v Su'aun t t l ilr>r I J utint n' l ,cJ Ia !.imxJ:, lvr.or,t r7r:i:.yLt(':,.r,;l~t.lt. ~I„1~;+.I?..ul,.krntcntialLsi:ztl 1;-xd brmtc, - • sJ,:t'L t Iti L ri,a •,,lxrot driLxrt <(tt n ut a ul Rdt~ ul rtii.ux,rl 11 lrmihr...rl!r,ri.,•1)7r.:r!n/lllntir411=,. irarrir`[7rr,ra• lrxfifrlrc ~hrPu:inr Ku! r J'rlyn7drr; ?t,;,1r, Four l;ni7lcr tar rr ~13'r ra r.;lu_u. xr:Jw'rrri+I 1r,wrcrtrr41 :r>;.:ard, rrr;+'u~''n?1. • t>(f•rr7J!lu!F_1C5, IttotLr`,.v^I.$,n.n1.fX.':, RL1L"ttl!In11'Y 11-~S. ,,.ilf t)r ataevcxlc:iru.atrn rt.lrilrs , 1-1x(it)x!r;elai^lexin-h isnnta ht^3talnotu. Losses Nof Covered tar Renal i~ i!rui 1,`.ima;c tnstn!u~ d^:.•~ not ,.-.nrr Inas c,tts~J h•: rrr • 7X~ARIdltkllkliUnJl•vinlnYlnlll':'10!IIICICI"nSall~[a:;liiio¢c(I( t!!eliyJ.dr;tit,,:ut ,.,,m:.etivdfu,:l.ulltgh!t!:1r,.limikrlk?Ls;'s ou:t!a 1, T •r_it a n nr,n nut in"rntl!ttyf k, W~~nk tln ttiticle lrtr.;•an: to 8~m>`rr;ll:~n•ntul (,r'tm.arr.;tsitl.rat:ens:irrtntnr;n(titr:;!uci:~ nr. d n n.; rim.?1'lalyr l:;;ick'nf t n m t nic+l ¢=:;tad !erdlnr. f; • Ir.!ny!ornlmkyi'+1'elcs: • nt;!s ntn}il.itc'Jraitict%ennlrariidt ri;i•ntahfnmram'slatrm.tlauirse u(:I•,t hi ru5s: • inr5ilt det.nr°: • i1k1, 7i dt t sv,:h ~ lc» ttiit'n la' 4tiatt:il ra,tc;ct'ssl for, ur it!:nlat3litrilic~.d [it:usrr(dur.; • , rt , arslmr, t-.iix?iWn.,, dama~• nr Jt'Cu l • ralydt x 1 .',.u.iSir n n., Uttren :,f the dr4; cr, as tL^!i•xd to Vm s'atc ti,en: it ;• Arti4:13i ttxiirczL • tnhtn nnh ticking et; dc„ nr:u ntr Ltit.~cr ULC It111iiC1¢ rrr (,iyCrE rtf t•.lat do g (unl ~~taken + ns:nlml nr i. tntiuinvllti ,17LOCrttr?, • gray nrn tlitar, ::C,eil); ~, • mdicmt~d±ih • 'catty dukt Irt aatlwrih'• • vr:v,n~Jtt,v:ncluJiq;gndiud:k:+t;rin;tiat: • d~~rat,,n?!klisd,ftande:m(in(dl~fn~~:ing.na.x,i:mi~;lnreti-tre:il bn.t:..x*..rl u.'fnihtn mtlc _+auh slam r,~_ nKtds i!ar, a iisr(t •tne:al h}' dtc ?"111Li: • tai'-tn P,u stain 1 tKS n +hc hcittal (ran' ;ut±• rhu- Iht !chidu i; stolen: ,. •°it yr da?na*,r :r unc nntl tt'airk•c • thc8 of ar dama~~ it? tizK (hats nr hlrrmnt;), t:rb3:: damage! tn' fire, :ualicinu;mist'fief,t~ntlal~nt.ar~!,Ity:.La:lcsiUtcl:x. Fa;:,;:ident vith surd from tits sank rtttse:ts Whcr Int. mcerc(1 h;' Lhc 1'oli^; ar3 • afi-roadol~ntinr;nftlteschidz. fyr Rental Lrrs and lhma~• htst!tataa'. drvs t:ot rus[2 auJ 1rt:efiLS Sill I wt h[•. raid IJi: •. • cdtK cn m1akJ I~ Hair of danL,^„v. Ln ilt'~ ntininurs:nryn rJ s:trlt stl~c tax is m(utind hi~ i:nt; (Ltnu!~ at arruLicJe uth'r tl. La Um ite:tt,l:lnlrc. (i:enrr;;r to wry pnlr!ny nun's .Lan Uu' 1trnL•!1 Aaio, merM'c rnyvsd5: or • i!rm:, not ;tmt:utcnth• attachtrf to ins Rental :User • du Irjun•r~f;rnr~core!ylt!ir:g; • talxntcts:•a<mtitl,;::,isi~rpaidf~slr:th,.hcmalt'on>(,tetcnriL i!taur. e:1na~ ataxy xJ M d;< Gv::lntanbcr ~+;um:a:al sun inu:ter, nrfdo:[r or • Iannlo;ir':; insttrcr: w::xal+n•bx'd J:u's 4!.unr, [::hk adJ:.~i tax ar.:imiiar tan, unl~ s rc'rml:ntsattv:3! of s;!•~t lac: is • lus~s e1 i!ci ft;{ imlud hr tlu• I'tent:J (;nnirrut}; • diminisimuntcus:duc; • rnltvl•LIB!::navJ(eri•im+xran!trcri;t)pngersx:and • k~'mu t inn, mLlts'r.•itnhuar-ntcnifnraerttrciatiot: isrn!nim °,; L•ra: How to File a Cfairn A 1};aJnu!Inlcnutai nulifg tit.: ts;r Rr:ttal'uxt: end )ama: fJ;:ina Lnit toll I~x a: i-,itA ? ii15'a in tin• t :S unh nt :;d•. ; •f+t-':ti=i :'950 fmtn oilr:r la•:;linns wari:fsi,k, niti:in =iS iota<nr a~ srntt :c-: Irrvnrthl'. IrsiL•;e ki!hning:l I:rs n rCitnSinLtthe c51i ara^r Stec r frslions :i t:xtrlnnlu}a!r carp har:• aqJ rill rixi ihr ('anlmtsrix'r a rJaim ft,mt :[ith i;csin,ciin,ts f,?;mplcc s;rJ:i^,t the ruin fnrnt, iCrit4ae n ti(n(kxt; citirL• iorbtJtS n u'tlaiit k,r:» u:x9 all ul:trnx:lawaua:•:.xnrmaiinr;tlc,r',17r•kr.;a,n t tsai(xrlenhiniit: cL'ra FJla::ing tik data! of the d:an;tltr ur Uacli h°. vlturictn fspn«*ar lt,n Ld hxa amt 1G'nagi• Claitrxs ltnd, rln~ t nit :11'in uuial:ldjtxsting Cnnrran}; Pi) trtx y't9. Lk't.•IanJ. Oitiu 4'i 101-a'::J, if fir fn[wt,:f lot: o:rJ,tthK (Fr:a:nt(,IVniola n not rxrhttl t+;thin ti0;1as of the+l:nr of 4ir, cn U 17 1X dCl LyL It xialn•d J•x!!mcytl.ntn.t m,t; tm4ac! of L.tt is t it 1,. t.txl tu: • 11:rgiuttil :axl c(ttttrlruf !aim (urns; • :m itum'vtd,elt:grhill; • ;. uin of char^~ al'ry Fnr rite rwa:ai of ihr t?:y:S,l Pauo. Rctunl;,ute C71tlr:ld Gr nY3'lilLe ;,rneratai m-xipE to sh.r., rai.al tax :harkvt and :;aid Gx ut!1: an ?mufirm IG..>ress Canl; • sp:lits• rupnt lif alttiii,dalrl; • phnlcasnfRtril",mamJrehkk=.ii:nail:thly :! min rF the fa,dmiinhr's attLmrizufarit+~r's:rr trnplojtri;LUaa • i.;ti7,rsma:a'crfir•or::ntnarinrlkuirsCitin;rr,insu:uLm: • , rql rl alt claim Mrtmtrr•Lc:utd cnrr;ct,m ,*rtre l :ir.~nltti':+:: ihr tar fett'.ah~nnpam; alln nt tiu• Runai Cvml.t•r'S ntihtaion lug , qn uthrJrita<lisnts;•;,frost:trJ::x=t,!r_r,trnlhtraWhrdaai,ititty. •.t:tls,Jtuiriitrsl6mtt~x•nnthrsien rn vend m::ur:,L • :: (r*1jOftINaTILIra1Fllltaf yn:91t(IY,:.a,.,I1Jl...... u-~it6n^:un,rtL: y n tbt 6cntd u of ~ bc,.i:rl rs.n . rl ^'.,rxls'd in: a•sJ t lt(hln9 1Jlt ~Y It 1I t I li7 (il!1(T .1111 k IFIUJfli1(x't.(' Iil'rtt~ t j GrJrot9!ItrewlPr,na +ilhi ~niudtntht4rhrtalitst rtvfu.;i I( :II rtyutr.[t du•tr ent n.)n ~ nr, r-~,nxgl •,:ithin 1S0 da x r, , u J rte Of )rss (t~'xp1 fOr!1iK11mr I$111Rn Thal h ( h 1 91 LCIt fll(I115it[U fn[ rc.a..ans h:J.trd ..n tWrJirvyttht;r? rt.,:r:t! ); c t r ~ t• may h ilz~iel H(iw Sanefits are Paid all ;:v Rcr:;al J.l~s .Intl I)amaRc h;sunnG al m:nL+c7mhursc,iz ta:dcr'thepnlicytve [;;trabh: Ip the f:Ir<Iracmher, es+xq,t tlanl pa;atcnt ntar he ntiitk•, at the (licct¢tiat of the 's iisun,•t: jointly to the Cardncmhrr ?:,d Uie iitmmthriil C:r Rc;t al Lm q', :n; + ha i :he (artienL?I Crngrmr I not lgrn rtimbn;ra! (ni tl ~ an.=rcJ lpi- nrda tutg:, nr the +„~nlntr.;n!n'r has fiM :~ilidlr ut tl, t.l tit><hrr ;inc,tLs at the Re:it:d tarrmant nr aa:'u;itlrtanrtt. Note: li=me,il•~. t rl ru,t lr:•(a+xJr r.r liL"L•'rhr r hz<e rul Aic rL;re rq' i:riin_Jit':7;;, yrr!l7 t1t'rrrh ~ r!+,larlnl dnlm jynm!rrJJ: rt?t r.+ntn:rn! t1 r, ear Iv:r?r rr,+l. kmrnN n i, r r,rrr ,; ,Y.. i rru.l t: rnr:crlt,rl • Rights of Recovery hl the et[r:t of a pa;•menl texky tats ulirr, ahr, tnsrnv is emidrl tr, alt Ux rigl:4s „<It?xrrr al Utc fanhir:nix+C tri Hiram r;mreitutrs mark, has a,aiusl annth(•i. L:at fr• rlmtynlur m;rt sign and delit~r to Ux' Inatmr t, Jr „al jr:ntf na titla to tli taunts:. dil tiitatr tr cl,<. i; ntn.~sart to 1=1~ the Inst:rur trtsc rhos n h s and (k! uothin aft::r i;,~ fo harm tl!e lnr,,nsi rights a1,.n i („•!Idnkvttberurfntnmt~t['ial Car I?wttai Canpnin ha !+_•sl p:rd Ja. i ems ,uak;r hultcs ~.\txt i nd .tlsr, n~ae,s from atmther L tinnu:u ¢'xticred fnamlitz h,l..: z.atl l~ hrckf b-r• tlaat [.aiJntnnl:rr nr ~omtn •ni:d Car P.en4t! ftNltn,':n4 in Lntc! fur Uae Llsurtr and mimhutml In tLc wren! ,tf Ilte innirty''s r:nnttmt Asa amiliUnn riet[::fett; to unirai+;e 1L,: Cardntan}ur i<ntp tirL'J. a;xl tux a dart>• to fiillt• trod:ati• kiUt tin 3narrtr in any inxl~ ;4ttir: n, siJ t. ~atiun m IIaS nr h^~ ! pnAn:dinir it pr, ti laa;,cq;l~,nf ,.nr ..12i :ill i:~:;il nrttias anJ,a zl d Il stale ntytts: in Jt, ttii exam staknu:asaoJ onunbtiting ?.:; nJ,.r r,auc and dtraanet.ts Lon .ati:.,rah acd;! ir, t!m dis7r~otiun,d fire I(~d malt(:i Notification of Legal faction llil:n a C.?rttntcvnlrr is:xr?~t atiLh ;uit ataim'sumnw»s ry?lS:rs mlating la n tars Rc:ual ~ and 1)antagc claim, U;c C:tntmin36rr mu,: notify (sce :ukir'cs altd rho-tc n;nnher ttn(kY "faints ~]u+Jxr stetinn) arnl en,iirh a,;,iL rd the stir ur summrnts r'.yurs tri A:c. C. rRtniai 1.(rs a!Id 1)amar ~ainti Gnit cilhir:l; th!)s of rds'n ilir fudmranhcr is sra:;t Pailurc m :n,n:;ly mm; 2=:h in tl;,tiai o[batttttc Additions! Information for Yaa 'll!i<mnrryi; i; u:ukanrit;?,t Irp• ;:till A<vrlrace t.r;:ry;am ("Instntr"! dtrough iitatntta 1%rlu's•A);r+)?S±thc"I'ri;ir,''i isstetl tri:vtxric:n: Ixpitss 'l'ens! Rclar.xl St!n'icrcs i,xnlxan:: hte and it rutipiritinFathutli:nip, aN}liatu ar.:l !ir~,t~r _'f tc Puiin tna+• a citantxl urli'mtin:nul 11u:1?rs;t'i;,tirut of [p:?m~ iS an impnrU!Itt dnetaiiaznt. Ple:tk I:xp it it a +.fzl;lair:Althn;r.~hfldtcaiiicsthepteo dfnm,ofittmrnuet;<it!hi;tsat Ulz time of ptinlia,. this dxt!mutt c r7I Litt: i'nl~' w auttrG of itistuunr. '11uar.,trfrs dcsa7i!:v in :Lis di~mtcnt ar subjri to :al u(Ihu tetnts, snuiiUnct; mid e:,cttcinlU r(n; Paltry ictxtl b;. Ute undemrilee 11tis il=wnnsent r1>lactx ;cr pros Tkstripti~n d Gr,;•a s'C Lntd:^r Ute t'r;l ter nitidt m:r.• an+e !swat fi,rrtishcl to rite G?r,Lnteln~t: ` J lu ark'"~" , ` " , . r Pr,'siikyti SCt:rrctr.° :'~?!ilA~ortnm fan; atn+ ,:ti1fr:Avuranrc Crnnrans &,?q-)1-97 inirtl3) !. 1 ~n•lixlu,lfAJlllr'!lilrr c'.r7L11'7.1iit ;1;;'9!rl)MSvfJ, Ile^.?+rrd3: r(rr d1(m7GPri:y+Rr~nrrzG: rt~1i<nrJ,.C+nn a,/i?tctT.rei tr,+xti, anrrnr is J,mrni,rl nn?t' k; R ~7hd :It!L•s r:o!l~':r. lJv_• 1:5±?.'rtl ~ ,lcn ref :I!rrP/xrl. 3. It;am u,'rrlin nnjnndrnt tr/lir c,iiu.thra>r:7pl;Prirerb rrdcmlpli,n (t•~i~ C+tlt,' ei4 JXA1%Crjk7 't ~(, ({rr 11G'nl!i! iI'.'~7t:JX1171E:+'r"7Y! It)nlli'G'p1 ' - hiri:7iiud anti P,rrdlc9. 3 1rP1;nl81f<,nrd ei77nllerl iiz,lfem6eidrJ: lfi+rfrrrlc, coreaufk ix nlsr.: nclrt:rkrlvltiu!veC.%rrilrrrl:!5rrr,'1)Jmr+trra,ifunb++i;htl l1C1:Ynrd+• rc~rlany',b~on (xr/Ji nlcn»rl (~1 rrs~, rt 8lrrnbrasi: ji llcrvrds ru'laujiticn !rrlj':utte lrl n Jx7;11ttiJxrlmR CcntracrPlrrl Crrr N~::kzr Cr.7aJx71rt:1nipc,~ir,J haJP;nr /!,are errrnlled iu llx, :tlrnttxn$r%Reirr!rt+:.9;11cm.(xr+Jitp RPrnnrlr rrkmJ~lrnn irr,'Jf ~!tP vrn n,ttt• bP nrhxnrrd fn; Pli,~rilx'c Cerlr6ni-rrrhiis. l,~1ffG 9Cii17u1 'x•Jrrr7ia'nGlm rr dfemL•er,~.i/+i?xrtirrt: l-~linr/,!tan cerhiarle lxec blxnr mxirstrrr i.l h,7 r!nu-rb;,>Lir+ ~.rrrr.LritrmFx7s c.•r!rl/oc ~en- fi7rr,+ncnnlx~•. i. lrirs rrrd rtJ+ph-lo;t'nr Ynrb SYf1P ttaHl~mts 1:E71 tt~ 1?fist Tr:r,^. -- ~ -- Program Desctrpt(on h um !>n tc'inn, nfir'n +vu •a tr'nttrtl 1 rrdiu~ s ,tLsfn~ { r.. oat Jtsinaitxl thefts rnrch•,;txl i rd wit ? t eh~il,l munrm Fsrtx'i faith !f;ron rrr lu rtunL , J•s+.a.nrl ii,~n a r tm 90 dms fmm Sht: date ut liivchax ant 11:' nmrcl•:.+n+ •nr'tL?I,e ( htc6 htm.rit-tn halir~ udll rtfirrcl it t' frill P,trlave pn.t, up to $3iK, >rr tL-;ii, ~ :ctu.ing 41 ip~iint mdfi.:rd6t!;, ...nl,gttoamasimumd$lttl)Oannu;ili rcrf,,Inlttumiacrt4uot!nt. Hnty to File a Return Protection Request Once :ntt bast tttifx:J sat il; mrr~tsti ts411 not a~y!t tltc• (k';igraid item, crli l•ISfrJ-39?-SGl? within y0 dra°s of Ilx purchase date to noGfi• tts nFjaur rertkw't. uilhin3U lots Iromlhedale mre~r irili;tl call; .ci; nel'd to tcrx~i:c the fulfrne4na • i)iiginal slntt• t[+*apt • AmcriznLl3pl~fanlri'Cttdru•c?tarp • :Ue: uUtur rknu tkrmtd Ix.•-vutahlu Ll• usiu>H _nur tcyt:est Onm lour tuyta:;t hats b0. t af.;innai, Fqc will be ittstrr7d m s;td ;he ra~li;tstxt inxn in us triUtnt iG da}2 Illt:s~ kt.•=> a mrn,d r>f srot!r s!timaing slatzmtatl, at :nn vili Heal tnrruride rl'un! of sl;iprinF in ilie rtir,tt Thal x-rnriksi~rttyl itunn:ue not noon+l. Ynt am n'cr~t:sihlrfm tlti: sitippin;, a:ad Itan,ilnts, -hurSys (nr!ite a:m.'itm Ireland-!yt k =ilN: rrr item and ur to a nt:nitnnm o(SJ;i7tM ixr Cnnlntcml~r;nv mfr-trill I'E mintlutnx'J trnin[t Limitations t'LtrclLa«S most l><!»uk: ir: the trotted St:1h~s Arad cliargd in full on rear GnrJ. A rciund ;sill :xtt ix p.dd if. (tn Utc date ae rtix:itr. }'o-tr Retum Pmt,~ion Rcytttsl, or on the date of rmtld>',c pa)'rieriL any amount nn )t,ur Canl Ar•unnt is past d:,e Gx n,tr or mom billing cele(s) or tour Cant is canalied Refu0ik am Jimi:d to $d(xJ per tfsignsld tram, aixl ~ 1,OCq atnn: ally i>rr Cardmemher acarunL 11t imm m.tsrlin m I~•c n:"•v" catditiun (not 4sii+h ttx:J tir>ram) and !., u,.rking nrtLr fo Fe (aigiltle hn it~ti a cii~ihle it it mar not br rtumerib;'the CaoLtu'mher to the ntenJntn! fmm triticlt it was origin:tgy purcha.;•_(1. AhY item ;ntrcJLas•^d trim a n>rrrJtaiu that his an eslahlis+,ttd r`um!saGsEaC'u:7t, ba.t Nola pm;;rmt :'.!rich is giratcr Uian ur Gpral to rim kmts'nf Reutm)imtt~'iion, ,: ttirrositlts rnnra~i~:ltim-nil) nrn?+t ~lirihk for s Rztuni Pmtc~ion ttefu,ul 111+,h •i ;=~tatt's, discounts or monl'y rrar;>ri from lrne~.el price. aunnariutn pr~rxnts adli fa• dtdutttd fmm the original ixl~ of the dent. ~11ie maximum ;antx4111>z t:orttl+ISVateJ n411 tnu ~;r.>?(ci lhz muuifa,attmr ~ s!C{~sftni,rtail lari(a v13 670650+ 7/19/03` 5:02 PM Page 7 itrnh onl cligihk for a refunri an•: ani:nah and lirir:;;1)lunLr. one rd a lord fleas inchnfir,; antiq'ais, u*tnnrk.:uxt :ursi; Iimit:Tl coition itc,tu: gnia~ un(-rrf•htcdniw; sale. ittn)c asnxwrrd)!c or perishable itt'nx. with lirr+.itul iil_ span; (sndt a:a>,•rfunr_•. ligln ltulix. r:+ln-mci,arr:inlr In?r!;'rit5e jrr.•ek: (intlndi!tg l)m not Iimiuai Kr Irxw: gcat;.itna-iurlc s!nnts, ;,ntlafs.:nxi P,1~irti,'.: •:.; t:i:L:_ snnir'a; atwl a:kittir)n,d ['r:h (stele ac inaall !tiara ilar_L:, n-:rren!is, slimping: yr rncsrtlx_rships?; ear J:!d rrcci,nx r:,ins: !rt•:I.::i',~rSl. r,;luiti and ndluti:hrl inert: cs+.goni•bnill iNht„;. s'ilt!Iar pltnaix. pager.:: ; )ram: et d'rr:: ai;!i;al ailv:'Ll~: ITiI!FI~31."vT atJintuixs; cick+iLtpLi cn:n•;atMtr van:art; iinrrr.;tn;'.,;uc!t:o-. r:nv.de g:uni9, tiintritdo, tdca; n!ti'~: Mtc:; rrl:rnr kSnrl; hr:dti):rrc iu^;L; (s!sli 'r5itirx,d fnxsJS tn:itbtnL; andJitt>;f;"• r;.r„iprluttl, fomrd ;;err: UtiGs of arp kin!l: mch)!z;•d :r.;iictrs (such :u cars. inREs, !nrrtrxarks, boats. u!' ^irplsr:~s) :nut Ihcir});!rts:I:uni ~)J i:uildin;~; fiiT;im)s, ammwtiGnn; uLriaiahir inslrununtC; (s!trh a< pnxnitiuar;.~ nokx, slampc and trnac. rl,c:isl; t;!sh and its c:Iuirtirnt; wart itenc It:rntatxul•: affiszt U! hom:, otFia.:Y`ltidrs, ric. (sLtd: ;gar;!wc dour olxnr:s.:+lr alamt.<.i. ;•nu. ham an:' yut;-Ai;tnc tsarriiug :i 1?c4urn !'Nte^tinn I'..lYjtl~ti: rte ihr i?cu)nr 1'r,)lL~snn pn?2rnn:1)lt:r ;;dl our Ctra!t^,er 4a.^.tc{: ftl'ptrmrnt tip(?tl„)(k:i ~a:a.(1O[i - Gescription of Gat'era4e Cr)rcrul Pctisons: ~ 1)tA~:t!) sh:ai !ti a Cmrr,•;l Ptrfsn* und;:r the id:e::kH hl_!i•rGrrirq) i'nlicrfi;±%kiR i`Jte"Po:~"') ut:i;• if: i:-ln:usln:tz ~. a Fcr R; fin,rKUJlTazra;,r; i, lisic+x.4:ktiti:mal Canl;ttent'x'rp'holta; anc of t1}r kain.:in;; CarJc. rx the cuE:;Jcd pa:ytx•;it!rw unt !diril i!t rnnlur:C,intt:, iti+. an:rof the, ir~nmin~. iss?hYi Iry ;l1mr.;un y::pr;a Tranel Rd,,ttd ~•!:•ici'Y t:umrr:m:; Inc. cr itc psrtidpatin nthiili:u2~ t 4nx ricnt I ;.rrss "t it: hix nrltt, nanx:. t )rtxt^a t :>:pre:;• Rc,;t!^.6 R mu r rm 4m ru ! 1 Tn.•s' ^n.•fe!Tlvl hir5:;ra; GnYr! t.!rt. t x n ! ! pr •s;' t elk t Id r !rt •lt,:ru-m ."~1)!:w' Pmccmd ??~ :.r.1, t.dd:.u;l. AtnuYrat .;-.; n•.t+ ittraxv Cru,l.3;n;riran .:.p:+:~" t;:tc'a l.rfiatct,:rd• Mxrirct ispry' t:uiur.'rra!ii Ihtet?L*x,. 1:,t:'ri;~n i:zl,n~•~ tnslit r:; n!:!tnx4ir'a)t I:):pn:~' hn•Vnr~n yi:ua;;r•!iknt ^^.'nnntGrdd(~ra.P.nir:ri:::n I':a)n:~'CxtnCad! 1Jti, t n(:r:Jt r:arJ,'I1n• Pou;'n,..u P ;;Ir.•Si rr!n. (arJ fl:?';): att}"ti~m 1^:liren i:nttt:) lnutxs taut (Sank rte tlsa,!ii fr.:iit Carl fnai ~nn•rc;nt lixptrs5. R:ntk. sl f i:r.aii t:nl=S t:nslit ra;a Imm :t:neriun ixpr'~ lhst Rat(• t:an1 lSlin; frx l;ttsitxv fr:rn mriiGm C:;p:T:~, lilu:• for Sludrstls~'; blur front ntltrrlGlEt isplrti h4r5Tlly extj,iud line fm!n Of'r.~; Tla, 5!nri113nc€rn•~1i:R,+ur';~tl R!:a!u~ Gold Rard'. frrnn 019'_\:'11z titns0 lt;in_ itt•R:w,". AnmrFiun frp!~° Otai!r~ 11an;rcxttr;tt Pdixn)nIImm t1Pi•:t.~: The Snn!jl ikLSint s Ut~Ys,mr,"', P,!sr:t!;-;nfr7arxrn>lY+h'cir.r,)G'' Ca!TI,.1n:zri~n Eiix~-f i'tm 1,•n I1r!:hiv; acamnt [rrnn 01 t.'ihr Sm JI Punc,-s tah;n!i: . lturcl3,ones,orrltonUtrat.7lclncS:^RCaibtr~3imn.~!nrric!a ...p.,'v~. t :,!1,:rik f tier fm:n CN'1T'•I7a-Sn J l frun_~ tu9:Ft:rk•' an 1 hnt,4,mt ntgrrih Yco-r n nimt`:xr) I t A ntai;an Capr~c` 1 t a ~, (ncit Rem tc (.rnl tt:rrr l u' t . 71u Sm 11 I •Leint:.; ti:?avdc', trar*ctrrh .t ' Ca J fount (I I "' I h~ S•:1 }'r ISui-t •~;rn:+xi", it lk )pets h!ist.~;f Cralu r. ud from i1 t r (!n S:retfl ht si u.~ 1;ct )r' r 9rt ill ! ~. +iILF I Jsnna t:n,n a;ml lmml,l7 ~ Tx can. Ril n,naar rA;c )r ,lklt tik +S!ks° Cr h (nl, tkiL•! 5'. itlu r!(rknSCard.atln,n ut!~riSi 'lulixl'lsiis:tC~:td ft+atr fJ ! f . 11m inta4 isllcin~x A,1. ark '. Cr41 tmrM-m 1'alx;~c .ur',ol::i(.nritt:inl.Gul;l::;!J )lil.rataak,•hlu !sdttt:na. lx.dt' xn,anr t:arl. (Rrk1 Starkrt t.!r,1.:UruriaA:n~s;xarv:.+1;- Crtli: r,K:netr?ro:ltrxmc!nl_p!LV tlc,rr::.;c~r t;rlrrl:xx•t3;aht!u'°'±'nvlit Cwnt f~ nn?utr;:i!an 1s;s2~, ? a!t, t>"l. tt.lnp'r Sclrns~ ~ ul': t:ut1. (S(dima" Can! ~^tstanLc, t>O;imp Gid: RC:'a::1+!:!rl. tgnim;' field I artl f )tuna' 11 ritn:m Cant f f;ttnti` llatinum C.•rh Itt>a::k• t'atd, 4~ tnma` I'lalisrutn Pnfc'rrd (•!r,1.1';~wn:J i;arJ,1';r.,a:al C)tnia (:•trd': !'tasnnal &rnhtrCanl Ptt~nni ;turn t ,:rd, Platinum t;y~i P,titalr G1rd. Pjatimrm iklta 51,'liiilts' (::rxlh Carl. Platinum :Yi);)lsi?itr Cr(dit C„sn! (n)ot lurrsinn.l:sptTa, Sar,• ~rrl pm(cmal Gu: t Cralit C:trd hlnm ktlcrictn l::.lxt't~,'ilm Aanar.:r: E:;.tl::e°' C/.df fatd, 71~ }'itkltR' .'wrx'!;; au ?;rns~ (rd h._ : nh:li!t :1:nerratt I~~ err (nits. t nrJ 1Sr r t!II rat 11 h n tt; f f! t t:n CrsiitGlrl imm Amaicatt fa1u, tic Irt.l:hr,tlnt 5.., t.t;~ li.inL (;t.,i r:rc;iil fanl fntm Ann+iam Ji! tia t rr;,,h:rtr;nu S:nitrt~ 16m':, lstirx a; t;r,;iit Gal fn:;n ti. x n, au f.,:pr,~: rne';c!ts V m, h+.r~ Its Cant fm n ~ )tcri; au ;.iprsc• tl ticH:trop;i?ni:nantar.Tfmmlmmrantiaf;n'YS.I1trXmsil iStsi=r,M f~?rl tn)tn 'mtri;•an l?;pnxt'tr b i y F~;rtUUr r rfrr:;r, a iiayc:rc tifdiLt,eta; ( a!tintrr.!Ix:n;9x~ fi:L; , N.~~warcty t>lrrv G:rkl (arJ t'tgrii;ac RcsanLt 1'bo Gnkl (aalrx tl) c>,Et-x6x1 p: );n:N Aaa:utt nfirn*~ i!) am;:utLTrrc::tra: and imtra ns rrnum i:;pnss 11s1:t I;rkttxl acr•.•i<ts t;nryr_:^; I!>W rx i& ro•1i~natinga!iri„iari,~(';,mi'nr!nl;S;rti tinhr;rnhcrrrantr.rr, c s r €irflJ•sHiN vJrx•;acr. ais.rsicar~itdru~!ntsil Cltd!nmazrni!n } ~;:a 1`la;inum Can;'. Ir!rirli+? Amrrjc!r; fu:rrs Platinum t;anl`, lnr,'ri~m FtprsY' Iner&nxrlt n+:;ttragtnlrt)t ~mrtnt i`latinttr Gard, nrtr, ;!u f:pr,'oli,><i!xr,. i'i tinum [:a:d` fmm f)1'"•.h;.'11u':itri:!II 14~i!rs' :".!c~n;~,rk"', I.s):;* I'lalimnn Caril','n~:rira;l Fxlxa; !'I~1!lilnt `,'tRatirtal ~rt4as C,tr!, l,?f ilSt'. 1'lalln;inl Jr tIP.: r)1Cnr"d IG7171L'n1 Mr';Yiln`in4rnJ in Gtnju^rtirgt ~.7ih :II)d IrJ11%;l I:1 P.t!'r?.",171 ii)fmc: Tnarl lidatc'<I Scrcic~'ti Cmm~ar::•, hx ur its partici;:atinx s~ed'a!it,; r':gnr iam I::;nru"! in 1)i. rx leer rJne an ;! f falinrm Cari:4-:,;mt: ur d 1•brl.>Dn.ii:Xlrortn{r,:;llsicrsrA:)di(irnt:ilCur,Lnrmiaa's;)n h:e: a rinrtrlun ('atd, a lY.rTan;ixpnsi"luuitlr,,e f~:!uurirn: Cane' ixmt 0!4 r;• 1'he Snrall In i:)!'~'."e!nr•k" ur the CxK'ndd ra:anen! ;¢;nnrt off:T;At in an:it:rw::vtrnitl: nn+! i;cual hy,;!rraican It~t us Tm:rl Rr!atLd ~:r: its r:ranlr,!n:; Inc. ur i!s fanidirding stdxidiariLs i snnriaut L;u)mss'j it hi; nr I)rr nanlc on a t:uttatior Cant ;orutatt; or c: tl,-; $xJU::%,iltt;nLO'!iC Para}rr nr tlf:entknt dtiid antler a~: 2; td arty digihic prrsnt d~a'ia:d it)1:0. (nl, ic), (d) :d)n~ and 3. Ilisarlev I'emanent I;csiti~•ttt ~ in flee KS t;nitrd Stites tdAntrrica. liignc of Cn1umL'ia.1'!!a^-n i'im, ar Ii.S.;9 rin L~:attt. Oetinhions ";,rd!kn:" ;;1uer :ir td'd in JtCs Puiicr mc;!ns an «nt r1,rr'ItJ en'ra nhi;h r.!assi:ynn• ant sha4 ;ds~ indudt r•:;tc~ ts, ru.thJng Imnt ;! mishap un :! Cm»nx!c !:'tri%•r : i:m'°,'nc it >ii;k`! the Cnrrgl P::n ,n is ti;!rrling '.4!>61io,;:d r:ranr;n!b:r' tni:nl, :a!t i:!drrin:al ub:r b:: nrci:i„' an ~. n_nta , .:pins Cara ..t 4); r.u a•.t' d ., C, :ir is ,!r!r ~:m' es f n ur in nntaTan :: !hrl:turianin! n t m:r mI ,rn];r•anl r,!?noel rrr~u._.prc+,'ani'shaiin .t.,v..~s',r...ry..!;ylcrilir+3.•nt}u!PM parr fur}lrnn:ns 1!ur;l ;!hu;e nn:lrr r:u;:r:f '^';rtnc fktsir (anhnrYUS„ nr l ~.,t:r: i'•,G;rJnal si~! .. i, .,,~.cl .n),!^~•t:t ti:~rsY; a, c>uc rn w~ ur ^xrr:.`: )tcrr;.an i:~:pt:'s• i'an1~ a:x1'ainr :ru.:c, A,x,r„m 1`<I:a:sr. a::!rd :;:: want. Cin)atxvt Carrier i.nnr::ruT" n!L~iia an ::ir. `; •x3 nrv.;!irr:dc: Ir tot}u Ih:m a n1taU licnsLd Ei t:.rrr p:evaitrs kx hue: ;:nd a;;:ilablr !r. (Irt; ui4lic a hip e. a `Cavc:n:d Trip" iL• i it a a trip L•!kan Ire 11•A' CotrrEJ PoNm i?ra;:tsm r"s point o-! d'ryraruarc and tlx final destination as shnuTtvtt epee l'mcrtd Ifirsr...n'; ticlst ur rTrif capon i5bl:tYl bt tlir Co!umon t•~ri'iL•r Corsr::utx: and ? thrC,-,.text?ttsrm~~ct6mf:Prefors!:chlriltualhalCnnrnnturrr. 1:attti;nra ln:s htc:,a.:ar.:iir tar;,'[i iV ;! cnYif!c Anrcriunn F.sprLs t~,tdklnnntprinrtnatr•, btlur:: '1Sd!r~niir Parr r mans n ltrrsna of the s.;nr, nr n;tpn;i!r ;nrtlrr;:l)u meet;Ihelrylk>•+•ringn;lnirrnicrltt ! IL'E;IIarG'I:1 14Yt;9dt1!y'I;:tsicnrArlili!inlial,:r!dm•,t.LraCrn•,t>_. 1:N is mnntin end ;'late In G,n:linucJ:,ini; m.. 3 'Kta1 marir:J u?:ml' other In'tv)t: and is nnl tnnnniLcYl to ano*:h:r lin~rtvi;l':unx:r, 3 ha!k:t I>i}ratsnkl: 3.'wurl r;iatrd totix il<_eic orAad:!vntal Catdrtsu',xr Yi hhru! ch;ta titan :.,rttkl hnr ntarria„c ixr s!atr);rtt and S. Bfia:utci;!II•: iatrrl~s"ttd.:n€+;iil! lbt' li:lt_ UL ~Idithlnal Cerdm~nhr a!tdd!tvm:^n:ttinr, of mntt!ai iin:ntci:!1 ar•:=,r ztJt ac;xr)ie; of point na11i'MNlrftiltln Or Iutr'. contnton i:ank :Crowns, ~':ilit at k nr n)r~nmlu can h; sw)plii~d. -Injury` m~•na; b:)ilily injary ::hid):. 1. anuxdhynn?cciJ:y~~eticbr,ntr>ni»Ictltciuurrtrl!'<'rsar;:; eLniclnce L in fors ttitdcr tix Polk;: and 3.rs'dkir,kruia.;umJbrthcl)ulic a:td 3 rn:ta a Ian d!m. ilirctl•: and mi,+htde,tls uI all v h;:r ranks. Gu sJril a~~att:d brrJil} ittun: "It~!ina!xn; kecrJrtl ' ire:u><. the Lr; nJ t'ir rJ!i i nx primary thirllia:; phrm_ tlttre tltr. rAt rred 'Lr.,rtn j. ry,natx.n.h• rsi'irs Beneid Amounts <: Inat:r,'r;%t~ rn4a•rnla., r q I~x (>, i7; ri t ;aaJ!r ;; i" rat rr. x'r.% L•tvrajtr k'irsr111;i1.ru,,) _rJSrrr„?n-stnr.,rn2- A:.;ru,,rx~:Jh', J,rJ,ruJJ 1rC 1i5 J tJ)7C'fi !17 4, Y +il /A rllr'! Y /(fA l rl+•L)I1n. i:J/Ji! Gr.r#?lr•LT1r Ur/ r rk ;lkf Ht rrsr) r!u !"JT rf '`:` CnrerrdPersoncxA'r.,r{iti )r....,.;; ~ J n q.•r•.l,''.;rfa,rat:,<ri)7 ai::rrhi i:;Mlr i)ia ~% IrYY~ r2 Jrlr/ 1~@ ,r~7,J,^,, r(~ rr (i!i,N'i r ! J•if:rins Crnlpiou„rru.=:arf!i>40:,4vrrr-i, tJVfrur'r~1rJ(.'-firrJUJJr,;:a.'.;ri:',1 , rnle:E.r)arrt:r<rr)l,,rls~ ruN,.c»•:h•:r!<rr•J.u,•,horr^r 71IZlrr rir,''+1_srr5 tJ~rdL7r $I'`Cf,rNi9 ?jf!,nrH) iJrnicnPk~r:•iJerrf feasdlrahbanrl.ur`>,tltf•ct 31(1,tAkn $3St;tN)(1 ;,~ a tn!r I;u!td and one facet ICtIJ} NI $~ ~ r!C{i wsrf,.uin:siglttnfltnthr;~ ?I(k1,fi(t0 ~2i0,rNYJ Its o(L'ntirt sight of one t1 aNl!xmha:tdrrnnrfan II!°i.IXA) r~>QnprS vo if tote l ar.d ~r to e trot . ;'l,r„Bl ;1' „fN>U ..mrd_.ai^.sl,tnfr',}r.c;Ts;;1t;<'A1 S),?;rdtp !r~rdiifc :;+.tY.)1XMJ ;;I,~(k1,tHti iT~nrrarbt'rnn~Jt itKrYhNlihanrL'nrhniltt;M S?tKS.i1IXi $i,j(k1,11iH1 irsri mr. F:anJ •rtxl rule trot 5)rY.t.(r:{) cS crn1,(nn ,J~t1~ an'si;d;t ul ixdlt r;a SiiYJ.(ttNt t'•, 1k~,t'atu fate dMUin• aiglEl of !nn• r,;:• at!il+*n,handnnauh:a;~ S)IX>_r~%! $l,ir>ri(trti) .1sir(nl,.l,a!;Jvrrtcfrxtt ,f?:~l,t)(lU S'~0,t{Yi trr.,rd:,rn@si~;lnh):rc•r..r ijiprr,'ti $'j(t,t~:?0 "lace" :a usrrl aht:t r•itl! refertl~r tr. hand or fool nx:an; crnnpictr and)tml;umnl.t's]mr!S thrriugit err abrttE the. wrist or ankle joint, •u!tJ rs uvd ;with mtr rtrce to rut nlratx the irrt:cnverule ins; of the rr14n"Dl;rlit r.'f S1LIt L!C. $144,040 - 3254.444 -5544.444 - S1,540,440 Maximum Indemnity per Cowered 4orsors in no ra~rtt::4 nntttgtlr NT~ri„tn F.:Tn•,-; t,!rrk ubii„atr dr !nmirJ: to p:r; fur mum. !a, rns fug ,<tsc:inc'd tg• am• rim: individual Cmrusd Pr'rvtn :!s a rstilE if ;u!r artr,:ai%!wat.11;• Crm}parry's nbiig:aiin untlbr ifs 1'oliq' will Ir; delrrminal ac~srdi!tg to ~~: ;?iJ'_^;t arnouN puy;!ltlr under tiw sxrific A+rmri;Jn cspres Gard actu::r'h• hail to drargc itr. Comn}nn G,rriLa Cvr:'~:tntE tar;. for 4tc Crrn1 Trin:sra;u! in the l~ rafit Alttotnts In nn e:'ratl nzil a Ion fro!n ma lnjur.~ ;;idle nnirage is in force nndrr the Polin';~\W''t8 nhli;;ate Lhr Ca:n:~a)r.~ w pa• lxuefilt unltr I':ilirr Xtyjrt9. the Cranpam':1SUCintS~'frech:w~id'ent h>surautr ?olirt in addition to atn' benc~i's gayahlc b 0)-•,: Ce!nlnns under the Polin• AKG?",.11tt:,:mrricar -sr-nss Card iistai undo dtLs thli~~du aut mGtiec cu-ttra;;r w:~r Paitt~ ; \tKta. Acciderttai Qeadl and ©ismemberrtlent Benefit 11~ Cnn;(+ary will pay ti1r :ry:pl~thie br;)tfi! amown: as dr5un}ir~•J fNm t{x•'!idr'"• rd 1 ~~; 4 a q~-nxi Prsirn suffers n irnz from ::r: injt)r'v?}ilr ru;rrag: i; in fr+rk unJca' l)r 1'irli^?; lxt nnli it siuh lay xnlts r.ithia ion da:::dter C'v' JAr tk Elr~ ~:u k,d.•.:~t .mcxi the Injur}•JiptidiLSaiil x paulA>rtl!c;.ne!;~th~~ h'm'rani+,btrr..m;,'n:pnl~rmtrtl:ar. :r:a• ir::: egaidd k)'tlv.'r:otrrea i`'FC+a t 1tM !seal u' am o:u;•rcr:I:nL 17escriptinn of Benefits tbmmnr Carrier iSCncfit'11tb 1~!r(n kc p;r.- ;ic rf L>r Cn.rtiTl I'risca snsu:i:?,htjun•:cca ~+!)lu~:u:rkcar[av Iul !rcitts:ehilcrirlirgsnlrly:a :iicn~,tk'erm.uri)rclrclin)rnraliyyttit:,hcmnr vtiugsnvck!maCr)nlinmt Carrier trxnn;tra•=LCeI nn :. t,ratxzl T ip. Exposure and 4isappearance !f iW Gn;tlrtl Pnaon i5 una;roitiihl}'~)aeYf to tlu rkntettLt ixi'21tS: rf ~t triik*.n at a Q;raT J'1'rip;ri)id! rtstlu fat lbr rlis:iplxarmre sinking rx ;;md;iteg ref tine t:o:nn}al C:n~' Corr.~~a><z. and if m a nsnlt ref s>ch onsur:, Gne Cnrn:1lt'rs!:,t sttfl'rr a pass 4>n:°hich 1)rtmfiLc::m ttaten:ia pn;.:!ble u!uber iltn 14Jir•., each fans ~,:•a11te ctrxttYl nntlrr d)e :'alir. if the C.lmted I'ennt d~~tlr~,:~ars I>r-a:r= of:ui Ac!'idcn: a: a (:uc'rrill'rS) aehiiil tTSI!IL in dlz dE ~rjxarnt~, s'ru'dng nr nn'clangnf the Catnmor: t'anr,•r rmn;*~tts, ;met if ill tynt7cd.1'ci-w!t s hr~lr' has ro Ir.•e!i fnunJ within i3;:L>cd;; aP.er tltc date irf SKiI :,rci:1••N; it will he ptrsTUntil suhjtri k)der!r:ztinennre;;k;>x loPntttlmrar'E il}etu~:rcdPx;+tnsitffucd rl~~rd':iir~;:!usut:d.mltn•rmrrcvl_ ll)! I'nhcr. Leverage Reguirem!:nts Ctttl'rnl It:rsrx; hill ixt hr4y inttn?cl frc l~:!niits snt;Mzr dte fi)licr w'hiL 1:!king a Snit;xt a Gramw; r}!rriatetlllY'i;il!S 0!Ilr Ri1LY) for pier ita~1)Ln :!anttltr,thcy ;•rf~:a:xairrtu"Ypr~•sr'ardliti;;i~iilitt'fnrr:rn•Erry:u'ill rmait) in ;if:>:t as loo,, s ilxr rk:finith:u nFa Cutrsd 1'<•t+mt n mrl. Piemiums "fly pmmimn fra'thu cmi'rtge u pa;~ltle M' Atneric:ut Espnis EKefltaielrS 'fhis 1'ulin• der; rot rDtT7 any ltris ctrl tx aitutibiiazl to fi' U} intattianailysdf-intli~ htjurf;;~i3deer:ntyatknt~! thCtpt,;chik:sa!)t; (2) war or an a+a ref t;•xrtifi~lnar d~-~'ar;v1 lx uitJmiard; h7,vccri a;r• act tr+mmptrd iry an ;mot ~ 1t • ^ryLmma)!, ycJty, or faaintt enga;<d in nu, hrrbritis, ur n..}cr a°ar;il. rq'.cralios NwJcJ atclt agtrit a acting sSNth• a,xl not in atn;irttionltith am axrlian !?Famt~l f:tras fnittdlltr milit;tr,, r.:nat nr air fo!Tr_'c) in Fl:>r ^nuntn c}mn: th!, h)lun't!catR dlall rat he derl)ed an a.'; of aac (ii t,i_n t~ rd:id c+n mFutrm wets,. tr,as the mmmiasinn of or a.:•mpt to miimit an illtrkd n.:t br or un LrL•alf of the Gntrtd f'rrro l or .,K~xrc ~}draar r. (•t) toter' t1SrrT+t Kittle sting ac aite~mlrxor,x^:cmtanbcrufrt':r*ua,~-tna (Slb,plr reansrJnltilr lmm'~ ridity aC a pa~t~•r in. Ixztrilir ~! nl!,d hn; fnmi ~ mtral w:hidc nt!!,S Sida:r:~, ph;sir;tl rx'nlrt aiin5anttr rx! )i i<^r; ur,tn•mtriical ur eut+l,.tl trdnrni f)rsudl a'ri •rbtini~ a tl ~ n.:ei)r_;}? of tix: Cun:biknris nvpiintf:LS ilt' dire nsultof a aa~'rat Inpy' Bi:neficiary A i:tsit (:^,rdtn:7dxr ma;• rlstgr:ak a Ix:tlrfiLiarr or dlan~' a ptruioush• Je;i;~rat!w11x:x:ficinn &sr htamTaUlttrx4 and hislllcy garus:!:hurt•~+i; t'dnntf alld dCy7rlnli5li fflildf:':l kiln ale na attili,liaal, Or Arld~ilntl:li C.~!it}xuithcrc ~t AJtbt•x:al l:;trJtn?nlxr rows rlisignatr a Ixne(idam fix f finelGhrts•!i a!ulhisP;)er>ptns"Jlkrmestic 1'arilerarnf Jrl)etitlcrt dildrnt taho :+n: oat aka P:tsic or Atk4ttnn;d Cardmemlaus rx ~1t~•7Lnntt.tjc Panters or rirtxsidmt childnn of liasie C:nrrlmembsrs. t<o pt:ranc odtrr Than tlnrse stntal alxwe mJ;• drsign.le nr c't:gtb'e a preritrtsk ;1t.5i1;utLd b: tnJiaarx, t~or suc'1 ~i~za:iml nr cf;a!t,M to ix:^emc 1TcMit a lv'ntit'n regtie-I. tm a turn s;t't:1:m~an In the C.oinpary, mtt~ be filed nitlt ttimrican 1 xpn>`. Sud: dC;r~2h)n a chan,'~ ~iall tale lilfw as of d}e ,i~l!, n was h, ~d t>' the d~y,:iaturprrni(krl th.u7!ftac,era) rccehE'J lm :t7lcriihn Fxpnat, but an. 1><!Mntylt of pru'rallc tirade )r; tltr Canpatn' prior to mcript rl'such rE+si}7lairtxt of &.J ~eshali fuily dittltary~. tltc ('rimpmtj' k the e~:;+.tt of srCh pa~2ner?t: Claims fsgit$ rddaim !trust i,c gikn ht P. ic.C A~Ttrmc tnmpany; Clatnx ;rkni!:istrdirx Ci?ia.l'o iS7s Iy61R, crrcnt 1„Rr, t:'I ti':d17rw;1S niil}in ZD ;la,.s afkr the ur>:urtence x mmtttet~tnett of am Id)>s cmtircrl hr epee Pilia, n,! as s:x}n tln"r:,titrr as is masrt)•rhh prs;iplr, lioli¢ giurn ba or or, behall of ilte daimain m ilr CfJnna:l:2i ts?~dtninhlrni:s'04k-e ar to any aadrarr~ agcn of d>c Cum~ttbs; eidt i:itarm:tlian su4ktiu^tt w idct:tify t;}e (;oucnxl Pta~nt slt:al br;kemrd rttl~ to the fnmjx:ry. v13 6706513 "8/29/`03` 7:52 AM Page B Payment: of Cfainis I:erdia for 1 rss ,f i.ite of o i i,:rrd i'rr5m •.;'i11 ~+c p;ti;l Ec !'>< desiena!ttl i<:u;tcian ticncf'iLfrxalivt!tCr'1?Sk^.tis;st^.incdh:;{e~ral?'r•rwn~illhc nniii to rim tntr:reJ I'arsan, if lirint;, ntitcrniti• tsi the d~si(;na!ni;h:l?tJ~ian•. !f more thy, nau hun~•firi;!ri ~ a:.i,ir,!itd ;n i] the hs ~?iuarics' rt57,rx1itt hll•.'lliki ;In: itrit 4RCdfiCJ. Sire dcci;natal hcK?efu^~ri~, ~Lxll sl::ar eq+t;ii!y. It nn (,e;,f a ~n• I?W. hrtn dwign teal, or if ,h:° dec€~rtcd 1?uteGciory des not <_un~i:•rtl,e Cate J }'eiu?n, the hcnhlitcc:il he paid to Ihi•.i~t ar.+i;ing drat of rile ti;f marine 1! y-~'+u~ z Don ~~iie f ai;rcr.'li d?iWrn, e ~ s?Ilgy Ir.; s?ir3:i :;nil a tlietsiatc :, clcscritirin; sorb pcr:~!n rrr I+~ccnf.:. t,e C.rsxi;:ln}'mar ml'r n!am :m a1(idaeit i nn4nlt, of ;mi• a" the ~::,o;c: i ~ na~fc:?tn;'~ li•;<:~f 7nria uccl!cci :il7r+++_, 1'a; nrs;tliaaf trx!n an sudi ;t(firl vil yi::iil fi tF div.9t ,r;x lire G,ni,anylm;:i ~ 11 rfn!ij;:Uiru,,:,tnJ~K t':ri• Peii:6 !i;;kt , ii;ium'^.idt sr men' ? ti?oik•. the Gnntp:!r:; l:as n~r•ehe~ ai it;:;dmi!?i;troi;;: Uffia~ cr!iilrr::ur!in:rifar.:di~lrlaimlrruu!mhcr;rss,.4d5! :ir. ;mo!tran^.:iltle 1,2!uin:R:na+. Ix nata ln;fu: nrnur's heal •r!anl ,!r: Time Liniit an llctimts Rq dCiirn;8t i.r., ur in r.;(:,;in shall Cr hrnfc! i:+,:i:+icrr to?Jcr the I'n;{;•~~ afla the r„pir:[iu.5 ul Ihn ~;cas (nr reatx trr G;n!:vins; (:aril. kn:_4icm lq;rnr 8di;r:,~. txi?h:rir+r. Carl"' frr!n (il'i;k''I"m;,rnatl Iiu.iurr K;Ctt'+•ork", a$er gar ;I!nr uriiat j?n:nf ~t(InR n n:gairel to Ix~ hunLti!'cd. "'hc• Ix~ceGtc r(en:rih~:r1 n!•fl;n air +a':~j,~i b.+ all of the ;:•ns nr:;1 rondi- ti;tns of ;hc 1't,lt~ 't'his f>'sct?plia!; cri C+~rr:w:: rcn?a:~:~ an ,~ Sur I`m,.tirrptinn n( t;r;i~:r:?gr vthich ma ;u°n Isstn levnid:rd in a:wadinn sitlm Pol:n. Y ~ F S ~ l..*e. k - _%J' I. ~, ~ ';;f1i L S.ia1, ?tnkQl,t 1. ).trl'!hait ,'1 r:;ittl;4:t ~ ti:1:n:t.iri Naiiec in Florirta Rtcirknis Ont?: °li,. haufib til the lishrr prnri~.t".in; lan:r mi~era~,t arr: g,r,:a•nrd printi!M?~ t! the 1:!:ec of :! ssi~: ntl!:T i. J.:rtir..r nririrt„ tiffs ;xar•rij;:a;:i y iln,>~txiK< i;i+: u!z~.c?:iizrrlsura t$ei Jf'.•7Gjtr: 9J U(crr• •ar; rt/~';i<:: r„ ta;i;; ,V:;:e:rcur; G~°'!sa~; mrt, f;$xar c2'71u.! Shia (~c'•drt;,ia' Siaricr Gr;arr;n,'1-~ it :: rrnrl:;T 1,iar:n, 111e i,' lil' r ;(7v)L!'!.'r/irl, RZ+7 S7,+rp,;'il .7±1.t i.i!' Lifi'ii,f!(;<Ui7:7N. a~ 2!Y.) Americo? ]aprrtic -~- Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor t ?:.. SHERIFF'S OFFICE OF CUMBERLAND COUNTl y Coo, a? ?unt,?et??? ?: OFFICE OF THE S-ERIFF American Express Bank, FSB vs. Erick Jensen SHERIFF'S RETURN OF SERVICE Case Number 2010-7126 11/15/2010 07:43 PM - Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on November 15, 2010 at 1943 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Erick Jensen, by making known unto himself personally, at 141 W. Louther Street, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $33.40 November 16, 2010 L- ? Y NOAH CLINE, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF E ? t 7- s Y w C- ci CountySuite Shenff. Teleosoft. Inc. , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CIVIL DIVISION VS. ERICK JENSEN 141 W LOUTHER ST CARLISLE PA 17013 Plaintiff Defendant NO: 10-7126 C-) Y { CJ rY? R?': l1 C, PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO THE CLERK OF JUDICIAL RECORDS: Kindly enter judgment by default for failure to respond to Plaintiff s Complaint in the amount of $12,671.34. Notice of the intent to file a default judgment was served upon the Defendant on January 14, 2011. A copy of the Notice of Intent to Take Default Judgment is attached hereto and marked Exhibit "A." win Micyael F. Ratchford, Es Attorney I.D. No.: 86285 Attorney for Plaintiff JUDGMENT P?'J l1"; c? s%k oopd a1? Ck!$ou4 ?hce ?t W1 AND NOW, this day of ( , 20 1 1, Judgme of the Plaintiff, AMERICAN EXPRESS and against the Defendant, l amount of $12,671.34 for failure to respond to Plaintiffs Complaint. is hereby entered in favor ICK JENSEN in the PROTHONOTARY J. P.C. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS Plaintiff : VS. , ERICK JENSEN 141 W LOUTHER ST CARLISLE PA 17013 Defendant , CIVIL. DIVISION NO: 10-7126 CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on the date indicated below, I served a copy of the Praecipe for Entry of Default Judgment in the above captioned matter by mailing the same via First Class United States mail, postage prepaid addressed as follows: ERICK JENSEN 141 W LOUTHER ST CARLISLE PA 17013 Date: February 11, 2011 Edwin A. Abrahamsen & Associates, P.C. v-j M' ael F. a chford, Esquire Attorney I. No.: 86285 120 N. Keyser Avenue Scranton, PA 18504 (570) 558-5510 AMERICAN EXPRESS vs. ERICK JENSEN 141 W LOUTHER ST CARLISLE PA 17013 Plaintiff Defendant In the Court of Common Pleas of CUMBERLAND County, Pennsylvania Civil Division NO: 10-7126 AFFIDAVIT UNDER SOLDIERS AND SAILORS RELIEF CIVIL RELIEF ACT OF 1940 AS AMENDED State of Pennsylvania County of CUMBERLAND SS: Michael F. Ratchford, Esquire being duly sworn according to law deposes and says that the above named defendant(s): ERICK JENSEN is(are) not in the military service of the United States of America as defined by the Soldiers' and Sailors' Civil Relief Act of 1940 as amended; That the defendant(s): ERICK JENSEN is(are) older than eighteen years of age; That the employment status of the defendant(s): ERICK JENSEN is(are) unknown. h Subscribed before me this day 4 Notary Public SC n,.,Tnr i'l I ?'i-!NA COUNTY 2, 2G14 EIANIN 4, AP,R=Hi11ASE1I Iv11S:HAR F. RAT_HF ,R6 HEAIHEF I'.`.!`Gt?DR!IFF' ' 4SO A HEt:IBER OF FL e.AR THE LAW OFFICE OF EMIN A. AERUH.W$EN A-',,-.iCIAI&?, Pi' "MIAA•LAW.4-010 January 14, 2011 ERICK JENSEN 141 W LOUTHER ST CARLISLE PA 17013 Re: AMERICAN EXPRESS CENTURION BANK v. ERICK JENSEN CUMBERLAND County Civil Action No.: 10-7126 Our file No.: N1018238/DMM Dear ERICK JENSEN: Enclosed please find the Ten Day Notice of Intent to Take Default in regard to the above- noted matter. Please act accordingly. If you have any questions or wish to discuss your outstanding account, please contact me at (570) 558-5510. Edwin A. Abrahamsen & Associates, Kevin J. Cummings, Esquire Enclosure This is a communication from a debt collector in an attempt to collect a debt. Any information will be used for that purpose. 120 N KEYSER AVE SCRANTON, PA 18504 (P) 510.558.5510 (F) 510.558.5511 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS . CENTURION BANK CIVIL ACTION Plaintiff : VS. ERICK JENSEN : NO: 10-7126 Defendant TEN DAY NOTICE OF INTENT TO TAKE DEFAULT JUDGMENT To: ERICK JENSEN 141 W LOUTHER ST CARLISLE PA 17013 Date of Notice: January 14, 2011 IMPORTANT NOTICE PURSUANT TO PA.R.C.P. 237.1(a)(2) YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER AN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK vs. ERICK JENSEN : CIVIL ACTION Plaintiff Defendant NO: 10-7126 CERIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on January 14, 20111 served a copy of the Ten Day Notice of Intent to Take Default in the above captioned matter by mailing the same via First Class United States mail, postage prepaid addressed as follows: ERICK JENSEN 141 W LOUTHER ST CARLISLE PA 17013 Edwin A. Abrahamsen & Associates, P.C. BY: Michael F. Ratchford, Esquire Attorney I.D. No.: 86285 Kevin J. Cummings, Esquire Attorney I.D. No.: 209660 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 Request for Military Status Department of Defense Manpower Data Center 40 Military Status Report Pursuant to the Service Members Civil Relief Act Page 1 of 2 Apr-14-2011 11:11:45 '. Last Name First/Middle Begin Date Active Duty Status Active Duty End Date Service Agency JENSEN ERICK Based on the information you have furnished, the DMDC does not possess any information indicating the individual status. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). )6t fit . 4"i_ Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§ 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL http://www.defenselink.mil/fag/pis/PC09SLDR.html. If you have evidence the person is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. §521(c). If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects active duty status including date the individual was last on active duty, if it was within the preceding 367 days. For historical information, please contact the Service SCRA points-of- contact. https://www.dmdc.osd.mil/appj/scra/popreport.do 4/14/2011 Request for Military Status Page 2 of 2 More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a period of more than 30 consecutive days. In the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy TARS, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a period of more than 30 consecutive days. Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important. because a number of protections of SCRA extend beyond the last dates of active duty. Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected. WARNING: This certificate was provided based on a name and SSN provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID:SBUA7NIJPR https://www.dmdc.osd.mil/appj/scra/popreport.do 4/14/2011