HomeMy WebLinkAbout12-18-13 NOTICE OF CLAIM
(Filed Pursuant to 20 Pa.C.S. § 3532)
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
ORPHANS' COURT DIVISION
ESTATE OF JOSEPH C BOWEN DECEASED
No. 21-13-0819
To the Clerk of the Orphans' Court Division:
Enter the claim of Alaska USA Federal Credit Union in the
(Claimant)
amount of$ 8,392.75 , against the above entitled Estate.
The Decedent, who resided at 7 Circle Drive, Carlisle, PA 17015-8894
(Street Address)
died on July 8, 2013 Written notice of
(Date ojDatuh)
said claim was given to James D Hughes
(Personal Representative or hisArer counsel)
at 354 Alexander Spring Rd, Suite 1, Carlisle,PA 17015
on 10/23/2013 (Address)
(Date) �C
\J
- (C ai ant)
P.O. Box 196613 ��Un
So-eer l'ddressl
Anchorage, AK 99519-6613
(City,State,Zip)
(Claimants Counsel) (Supreme Court 1..D.No) ,=. m
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(Address)
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ALASKA USA FEDERAL CREDIT UNION
JOSEPH C BOWEN
Account Number: ############4110 Statement Closing Date:
July 10,2013
Summary of Account Activity Payment Information
Previous Balance $8,826.22 New Balance $8,392.75
Payments - 550.00
Other Credits 0,00 Total Minimum Payment Due $252.00
Other Debits + 0.00 Payment Due Date 08/04113
Purchases + 27.90
Cash Advances + 0.00 Late Payment Warning: IF WE DO NOT RECEIVE YOUR
Fees Charged + 0.00 MINIMUM PAYMENT BY THE DATE LISTED ABOVE,YOU MAY
Interest Charged + 88.63 HAVE TO PAY A LATE FEE UP TO$35.
NEW BALANCE $8,392.75 Minimum Payment Warning If you make only the minimum payment
Credit Limit $10,000.00 each period,you will pay more in interest and it will take you longer to
Available Credit 1,607.00 payoff your balance.For example:
Available Cash 1,607.00 If you make no You will pay off the And you will end up
Amount Disputed 0.00 additional charges balance shown on this paying an estimated
Statement Closing Date 07110/13 using this card and statement in about... total of...
Days in Billing Cycle 31 each month you pay...
Only the minimum 15 year(s) $12,709.00
payment
Contact Information 28100 3 years $10,108.00
(Savings=$2,601.00)
Customer Service:(907)5634567
`� If you would like information about credit counseling services,
A Please send Billing Inquiries and Correspondence to: call(866)7914360
`► ALASKA USA FEDERAL CREDIT UNION P.O.BOX 196602
ANCHORAGE,AK 99519 Bonus Points
Visit us on the web at: Available
Car 27,087
www.alaskausa.org
Please Mall Your Payments to:
$ ALASKA USA FCU P.O.BOX 196602 ANCHORAGE AK
995196602
Important News
VIEW AND DOWNLOAD YOUR ALASKA USA VISA PLATINUM CARD TRANSACTIONS,TRACK YOUR SPENDING,SET ALERTS
AND MORE. LOG IN TO YOUR ACCOUNT DIRECTLY FROM THE ALASKA USA HOME PAGE OR FROM WITHIN YOUR ALASKA
USA ULTRABRANCH SESSION. IT'S EASY. ENROLL TODAYI JUST VISIT WWW.ALASKAUSA.ORG AND CLICK ON THE"VISA
CREDIT CARD HISTORY"BUTTON.
NOTICE:CONTINUED ON PAGE 3
Page 1 of 6
PLEASEDETACH COUPONAND RETURN PAYMENT USING THEENCLOSED ENVELOPE-ALLOW 5 DAYS FOR MAIL DELIVERY -
ALASKA USA FEDERAL CREDIT UNION Account Number
P.O.BOX 196602 ############4110
ANCHORAGE AK 99519-6602 Check box to lMimte O
mmoadtims change
w back of bls=a
Total Minimum AMOUNT OF PAYMENT ENCLOSED
Closing Date New Balance
Payment Due Payment Due Date
07/10/13 $8,392.75 $252.00 08/04/13
JOSEPH C BOWEN MAKE CHECK PAYABLE 70:
7 CIRCLE DR
CARLISLE PA 17015-889a Iltittll 11 111 l, ,Il lltlltttttltlll1111111 ,III
_<
ALASKA USA FCU
P.O.BOX 196602
I ttllitttlll,tt tII Itltlttirl 1111111 lrrllltrrl 1111 t I ANCHORAGE AK 99519-6602
IMPPETANT INFORMATION
Interest Charge Calculation Methods gCM)and Computation of Balance Subject to Interest Rate.The Interest Charge Calculation Method applicable to your account for
Cash Advances and Credit Purchases of goods and services that you obtain through the use of yaw curd is Specified on the front side of this statement and explained below:
Method A-Average Dairy Balance(gadde ing now lansacti0ns}.The Merest Charge an Purchases harems from ate data line tensacton us posted a your account,and the
!merest Charge on cash advances begins Iron Ise data you obtained ine cash advance,or we fist day of me billing cycle in which it is Posted to your account.whichever is later.
There is no grace period.The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the"average daily balance of your account.To get the average
daily balance,we lake the beginning balance of your account each day,add any new purchases or cash advances,and subtract any payments,credits,non-accruing fees,and
unpaid interest charges.This gives us the daily balance Than we add up all the daily balances for the billing Cycle and divide the total by the number of days in the billing cycle.
Method E-Average Daily Balance(excluding new t immakOns).To avoid accruing an additional Interest Charge on Gre balance of purchases(and cash advances if Memotl E is
specified as applicable to cash advances)retraced on your monthly statement,you must Pay too entire"New Balance"m full,shown on your monthly statement an or before fine
Payment Due Date.The interest Charges for a billing cycle are computed by applying the Periodic Rate to the`avenge daily balance"of purchases(and it applicable,cash
advances).To gat the average daily balance,we take the beginning balance of your account each day(excluding new transactions)and subtract any payments,credits,
non-accruing fees,and unpaid interest charged.This gives us the daily balance.Then we atltl up all the daily balances for the billing cycle and divide the total by the number of
days in the billing cycle.
Method F-Average Daily Exuanetr(including now bansacigns}.To avoid incurring additional Interest Charges on the beginning Wan.of cash advances(and purchases,it
Mexprod Fix)pecffide be appGestile bo puranasasj reflected an your m ly statement pad most pay fie Beginning Balance shown on you,mOnOiy statement on W before the
Payment Due Dal..No grace period Is provided for owning cycle transactions,The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the'avdrage
daily balance"of cash advances(and if applicable purchases).To get the average daily balance,we take the beginning balance of your account each day,add any new purchases
or cash advances and subtract any payments,credits,non-accruing fees,and unpaid interest charges.This gives us the dally balance.Then we atltl up all the daily balances for
the billing cycle and divide the total by the number of days in the biting cycle,
Method G-Average Daily&ammo{lecturing new transactions}, ly shad mans a n,additorrai interest Chazgea on u li balance n advanced)(amt framer a;year h,if Matlwd G H
Statemenas you must a to cam's advances)efir tad in your o n on statement and,ate any new purchases{and t duplicate,
ant Due D cash advances} t Charge an your next monthly
computed by pay theheriodic"Newo the'aerageldshowrvenyour purchases before Payment.Due Dale The Interest Charges for aketh cycle are monthly
balance etl by applying the Periodic Rate n the"average daily balance"of purchases(end if applicable,cash advances).To get the average dally balance,charges,lake the beginning
balance of your account each day,add any new purchases or cash advances,and id to tang payments,bcredits,n days tees,and unpaid interest ust charges.This gives c
the daily balance Then we add up all me daily balances for the billing cycle and divide Ne total by the number of days in the bllNng cycle.This gives us the average daily balance.
Payment Crediting and Credit four. Payments removed by SPM at the location specified on the from of the statement after the phrase "Please Mail Your payments W,wilt
be credited as of the data of receipt to the account speafre:an the payment coupes.Payments made M person during normal cor amass hours at branch locations where such
payments are accepted will be treated as received an the same day.Payments that do not conform to the requirements set faith on or with the periodic statement(e.g missing
payment stub,payment envelope other than as provided with your statement,multiple checks or multiple coupons in the same envelope)may be subject to delay in crediting,but
shall be credited within five days of receipt.If there is a credit balance due on your account,you may request.in writing,a full refund.Submit your request to the address indicated
on the front of this statement after the phrase"Please send Billing rngoi,ws and Corresponds"..to".
By sending your check,you are authonad,the use of ate pagromtron an your check to make a one-time eieclromi,debit from the account on which the c ack,is drawn.This
$lest..debit,which may be posted to your account as early as the date your check is received,will be only for the amount of your check.Too original check will be destroyed
and we will retain the image in our records.If you have questions please call Iha customer sarvioe number on the front of this billing statement.
Closing Date.The closing date is the last day of the billing cycle;all transactions received after the closing date will appear on your next statement.
Annual Fee.If your account has been assessed an annual fee,you may avoid paying this annual tee by sending written notification of termination within 30 days following the
melting data of this bill,to the address listed on the front of No statement after the phrase 'Please send Billing inquiries and Correspendence to: You may use your card{s}
owing des 30 day parted but immediately decays,must send your card l which you have a.t in had,to this same address.
Negative Credit Reports.You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the
terms of your credit obligations.
BILLING RIGHTS SUMMARY
Whet To Do If You Think You Fhrd A Mistake On Your Statement
It you think force is an error an your stajame 1,wale to us a'.file address shown on the front of Uils billing Statement after the phase- Please send Billing Imiuices_-to-in you,
latter,give us the following information:
account Infgrmatipn: Your name and account number.
Della,Amount: The dollar amount of the suspected noon,
Deacriofon of Problem: If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a ntstake.
You must de lad us wihin W days after the error appeared on your statement.You must natty Or of any potential Of in mgmt{ov eme..trotay).You may call us,but if you
dn,wa ate not required to tnvo)tigare any aolemai e-rors arm you may have to pay to amount In question,White we Investigate whether or not thane has been an error,the
following are true:
We cannot try to collect the amount in question,or report you as delinquent on that amount.
• The charge in question may remain on your statement,and we may continue to charge you interest on that amount,cut,if we determine that we made a mistake,
you will not have b pay the amount in question or any interest or other fees related to that amount.
While you tlo not have to pay the amount in question,you are responsible for(tire remainder of your babance.
We can apply any unpad amount against your efadit limit.
ar Rights If Yen Are Disengaged With Your Credit Card Purch.
It you are dissatisfied with the goods or services that you have purchased with your credit card,and you have lead in good redo to correct the problem with the merchant,you may
have the right net to pay the remaining amount due on the purchase.To use this right,all of pre following must be true'.
11 The purchase must have been made in your home stato or within 100 offiss of your mutual mailing address,and the tomorrow price must have been more than$50,
(Note:Neither of mesa are necessary it your purchase was rased our an advertisement we maiiad tq you,Ord we own the company that sold you ft goods or services.)
2, You must have used your credit card fa the pu msons.Purchases made with cash advances'from an ATM or with a cheek that accesses your credit cafe account do AN
qualify.
3. You must not yet have fully paid for the purchase.
If all of the colada above are met and you are still dissatisfied with the purchase,contact us in writing(or electronically)at the address shown on the front of this billing statement
following the phrase"Please and Billing tro ir'ies._W White we investigate,the same miss apply to me disputed amount as discussed above.After we finish ow,immatighosso
we wig tell you our decsien.At INS mund,'d we think you owe an amount az'm you do not pay,we may report you as dagmtk ant
(Rev 02-12)
Please use blue or Mack ink to complete form
NAME CHANGE Last
First Middle
ADDRESS CHANGE Street
City State ZIP Code`
Home Phone( ) _ Business Phone ( )
SIGNATURE REQUIRED
TO AUTHORIZE CHANGES Signature
ALASKA USA FEDERAL CREDIT UNION
JOSEPH C BOWEN
Account Number: f########/####4110 Statement Closing Date:
July 10,2013 d
Important News... Continued
TO REPORT LOSTISTOLEN CARDS PLEASE CALL 563-7500 OR 800-525.9094 EXT 2840 MONDAY-FRIDAY 8:00-5:30 ALASKA
TIME AFTER HOURS AND WEEKENDS PLEASE CALL 800-325-3678 OR 727-570-4881 INTERNATIONAL
EASY ACCESS TO SCORECARD REWARDS(
ACCESS TO YOUR VISA PLATINUM CREDIT CARD REWARDS IS FAST,EASY,AND SECURE
THROUGH ULTRABRANCH ONLINE.LOG IN AND VIEW YOUR REWARD POINT BALANCE,
SHOP FOR MERCHANDISE, BOOK TRAVEL PLANS,AND MORE.VISIT ALASKAUSA.ORG OR
CONTACT THE MEMBER SERVICE CENTER AT(800)525-9094.
ONLINE BANKING FOR YOUR CREDIT CARD IS CONVENIENT AND FREE!WHEN YOU
ENROLL,YOU CAN MANAGE YOUR ACCOUNT 24/7.VISIT OUR WEBSITE TODAY TO GET
STARTED!
_ Transactions
Trans Data Post Date MCC Code Reterence Number Description Amount
07109 07110 5968 24906413190002240898938 MYLIFE"WHOSEARCHtNG $ 11.95
888-7041900 CA
07709 07110 5968 24906413190002240910675 MYLIFE PEOPLE-SEARCH 15.95
888-7041900 CA
Payments,Adjustments and Others
06126 06/27 6010 74217933178001K58014010 PAYMENT-THANK YOU 550.00
TOTAL PAYMENTS OR ADJUSTMENTS $ 550,00-
Interest Charged
07110 07110 74217933191872191064002 INTEREST CHARGE-PURCHASE 88.63
TOTAL INTEREST FOR THIS PERIOD $ 88.63
2013 Totals Year To Date
Total Fees Charged in 2013 $32.60
Total Interest Charged in 2013 $687.66
ScoreCard Bonus Points Information as of 07/09113
Beginning Points Points Points Ending
Balance Earned Adjusted Redeemed Balance
ar 27,087 0 0 0 _ 27,087
USE YOUR SCORECARD TO EARN MORE BONUS POINTS AND INCREASE YOUR REDEMPTIOROWERI
IT'S BACK-TO-SCHOOL TIMEI WHY NOT SAVE MONEY BY USING YOUR POINTS FOR ALaHOSE EDUCATION ESSENTIALS?YOU
CAN REDEEM FOR BACKPACKS,LUNCH CARRIERS,CALCULATORS AND MORE!VISIT WW W.SCORECARDREWARDS.COM TO
CREATE A PROFILE AND REGISTER YOUR EMAIL ADDRESS,YOU WILL BE ABLE TO VIEW YOUR POINT BALANCE,SEARCH Fp
1600+AWARDS,AND REDEEM YOUR BONUS POINTS ONLINE?
Interest Charge Calculation/Plan Level Information_
Plan Description ICM' Balance Subject Periodic Annual Percents a Interest Endin Balance
P to Interest Rate Rate Rate(APRy 9 I Charge 9
CURRENT
PURCHASES G $8,508.23 1.0417% 12.50% $ 88.63
CASH A $0.00 1.0417% 12.50% $ 0.00
FEESBNTEREST CHARGE $ 0.00
TOTAL 12.50% $ 88.63 $ 8,392.75
t ICM Interest Charge Method:See reverse We of Page 1 for explanation-
2 Your Annual Percentage Rate(APR)is the annual interest rate on your account.
IV)=Variable Rate.If you have a variable rate account the periodic rate andAnnual Percentage Rate(APR)may vary.
Page 3 of 6
ALASKA USA FEDERAL CREDIT UNION
m
Nothing is More Expensive Than A Missed Opportunity.
Use Your Convenient StatementCheck Before It Expires!
As a valued cardholder you deserve to be Whatever your needs are, we can offer you this
rewarded. That is why we have attached this flexible payment option.
versatile StatementCheck to swiftly access Take advantage of the credit
your credit line where cards are not accepted, you've earned,
Use your StatementCheck
for anything:
• Consolidate Balances
• Pay Unbudgeted Medical Expenses
• Unexpected Auto Repair s"*_
• Give The Gift Of Cash
• Book A Trip Or Write Yourself A Loan. consolidate Bills Th Eas'y ways
Stateme c
StatementChecks, Money and Convenience on Time!
Interest and Fee Information
APR for Check Transactions A rate of 12.50%will apply to this transaction. Our current Standard APR for Cash Advances
_ a lies and is subject to change.
Use by Date The check supplied will expire and must be used no later than 0810912013. If you use the check
after that date,we may not honor the check.
Fees
Cash Advance Fee None
Returned Check Fee(per item) No fee will apply if check is returned.
Stop Payment Fee(per item) 1 No fee will apply when requesting a stop payment.
.Paying Interest I We will be in charging interest on this check on the transaction date.
Page 5 of 6
Credit card check4 are pracessed as Cash Advances in accordance with the Cash Advance Terms of your acconnl agreement cord they are limited to your
available Cash Lima. The attached check may not be used to pay this credit card account
PAYABLE THROUGH WAC.HOVIA BANK,N A. PENSACOLA,FL 32534
JOSEPH C BOWEN 0713
7 CIRCLE DR
CARI-ISLE'PA 1701 58894
43-1012
Date: __ 632
Check Expires:08/09/2013 3070392133
Pay To The Order Of �� $
_ DOLLARS
ALASKA USA FEDERAL CREDIT UNION
MEMO
AApplilcic DID Printed: 0910512013 4:57:44 PM
o
. .
Branch: VISA.
Application Entered by Risk Manager on 03/29/2009.
Applicant
Name core SSN Birth Date Aqe No, of Dependents Marital Status
JOSEPH C BOWEN 711 241-74-3544 12/28/46 62 0
Current Address Phone
7 CIRCLE DR, CARLISLE, PA 17015 (717)249-3362
E-Mail Address
jbowen @pa.net
Time at Current Residence Residential Status Customer Years & Months
1 yrs 9 mos 0 yrs 0 mos
Previous Address
15 Cobblestone Drive, Carlisle, PA 17013
Residency Status
--------------—----------------------------------------------------------------------------
Applicant's Employment and Income
Current Employer Phone
REMAX 1st Advantage
Position Length of Employment
US Army 2 yrs. 9 mos.
Source &Gross Monthly Income
Salary $8,000.00
Other $6,798.00
Total Gross Monthly Income: $14,798.00
---- . . ..------ ------ ---
Applicant's Expenses
Monthly Mortgage/Rent Payment Mortgage Balance (if applicable) Total Monthly Debt Total Debt Balance
$1,350,00 $0.00 $2,515.00 $41,546.00
---------------------------------------------------------------------------- ---------------
Product Information
Product al st Decision Date Product Request ID
VISA V 2 BOB APPRO 03/29/2009 1278561
ua it ctor Amount Requested Account Number Term Interest Rate Paymen Status
B $10,000.00 36 12.50% $0.00 Approved
systems-
Fite APPOET.RPT version:CT0 09/0512013 Pager IN 2
Application Detail Printed: 0910512013 4:57:44 PM
Branch: VISA.
Application Entered by Risk Manager on 03/29/2009.
Application Notes
***** Entry By: Steffanie Wright on 03/30/2009 at 11:20AM *****
Issued...mbr ka dec..
***** Entry By: Peggy LaChapelle on 03/30/2009 at 9:04AM *****
approve 908
approve for $10,000.00 at 12.5
❑***** Entry By: Risk Evaluator 1 Thread 1 on 03/29/2009 at 05:29am *****
Product Evaluated (Downsell): 96, VISA V 2
Product Evaluated: 94, VISA APPLICATION
Product Disposition: Decline
Borrower Evaluated: Joseph Carroll Bowen
Vendor EFX CONSUMER U.S.
Credit History Requested: Scoring Requested
Total Score Reason Factors: 23
Borrower Disposition: DECLINE
Limit: 10000.000000
Product Evaluated: 96, VISA V 2
Product Disposition: Approve
Borrower Evaluated: Joseph Carroll Bowen
Vendor EFX CONSUMER U.S.
Credit History Requested: Scoring Requested
Total Score Reason Factors:
Borrower Disposition: APPROVE
Limit: 10000.000000
OSsem Inc.
File APPDET.RPT Version:CTO 09105/2073 Page 2 of 2
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because, when you blur;m0fitlpt£d. signed or used your Card or thfd Acce,riL you or qh,s lu royal ocean h'g,to Cod arms aid or b,l ha n::':Idine. vr:haut
have aopreero i'o;he terms of the Agreement wmtatlon, the nnnlnnurn annown nynutle!rem of $5000 or in, Shah"I'lli herf< ra
alicChnc6 exprinclat pTOvsol 5ta unenlCl cry Crolrn 10 las from the dmto
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Anchorage,Alaska the data Cartel I,)n each 1 I erchPCV directly bamw a,e date line. A SsuejoeI Ch('p'Ik
or LatnefCheo r nm processed by Alaslta USA FCU or ill,agents on or before the pfluni
exoude,(late w11 be assumed unpaid.
In i!vrs Agreement III wards you,your and,outs :neon the Ourtlholddns). The wl,n'tla we. us -
and Ot mean Alaska USA Wtleral Clear Union and ally agent through which the A count IS t4) f your ACOOn it 'S.,lahjagL 10 a F'llanr,C Charge Shelf than A Cash AdvH Ica TreilaaCtlmn
CSIIce.10111. Fore.Ilan the more('ill you pay and file,Sooner l'OII pay.1'hF as your FfIR%a Cniog(r
You do not have to sign if)(,,AgreemeroL our Onto you have agoopted,I I(h'latl or Used her Corn, Ann Do,
or the Amount,the Agrpement will be m fame. IB;The method of determining the balance upon which To Finance Charge will be Imfose(L
The following efinitions apply to the terminology 1 We fp «.a o0 Ic o The Fn n Charge mil your A Count by a apt Tg hunacbmP FFlC
g PPY gY used in this Agreement and on your
monthly statemgrrt to![,a ornior If Of cal T Cash Ada (,lum"'o-ohn ik;1yd during he Bn:ng Cycle.
Account Trip V ah, aselof any(h,11-Can CONAr a C(ruirs,arproved by s to(yrnn rise whmh is )i We figure s Ionics of the Fri at('large uc on v (o. f as am rg a Paaorl .Rte
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v(t kc 1 in bf l Ig paid T d of Cash Advi nh(s oil your Accratint call rL y,nod ar new
Billing Cycle Tw roc q(rva het Bert ngc I monthly mil g ate runtdad This intarval IS foal Alvan e rly fourrad any oaynent;or( edh. self cal la lal efhargc `tys
"Gag f 1'U local rte vol;4,t r art u r 5 a tr' „I(p.,te yalr.9 lorry this four'4)days from eves u` line dolly hellion,$t(fAs i(iV fors her Ng oel up all IT'S,(la:/ ) anon_
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Cash Adopted (f cell exact (led' y p t g Y ihra pl-eC u5.
Y us I I l 1 In he torsi f'1[call T!rlea lYr AOa orb for Me Average,DTI,Beanie.'(It(3.y Advance,
Car(1 IO n5 or to any'ina'1 a 115I�W h0Yl lending tn( Card.el use of Tiiny oiler Crfi fit Instrument, (4 We III a r t( 1(f life Sh cC C rr e ail ) r ALYoual b
deuce,o✓f r Iraf corn rag( par.Or yo toms e l II •macrure re n ale aishal le,,o you. g' y Y a rely a Pe od(e Ra r Ta
the Average Dalyfi anon"o pu.h ac oil your te rn failcaln cu e. , loss
Card.Any Viyof Costs)o Ids or other crac t CI subject to this af.reern(1l sl ear to you by us. for Po d a,;es Tm I of the"AVemge La'a Balan<f e u Tanst wa e the i.g r h':ng
or robe sr.,gl crud t device, being ISP,d nom tine to lime anon r t:dP.t at o l to obtell) none,, Baia,Ce of P( chase,on your Account each rbly, add any now r rood Se. and Clhe'.
omro=,rya brial or service or credit Cord is Inlpliod v hen yon ubtall Credit by pstnF,Your (hv
account rumba without rang file Card. fges ¢wept Late Payme l Charges),and r bhset dry l>n)n newts or coedits uressal
Finance 4harpes and late Pavmen Crorge TII glues c the III bats ce Inc
Tiny oltler,Thf "i to, person.led 0'a a Credit card t ild I d upo I the rerun st or application of Purchases ases.Tie 1 we add up all close sly ticlarrod for lac fy hop(y r e alit r ide Uv
acs' o nun pn r o. it 6(v f Chad o'a hat aro „arson who any agreed wfh vs to say oo`iti,n1 Or is the ill:nbei or days In Ilse Bill le,Cy[e. T ills goes u.La; "Average DUN sera`% of
close g loll the :data o n use,,,cm0l car 'o onplhe Canyon, PI rho us.If the Store grevm s P,al m(a ,s paid n f '-,thin e fins 25 days o!c!,e
Credit Dal" h e late.f ! n s acv d e pro,CVN& B-Img Cycle, in Average Daily Carthusian Of Par hau u will tic'Consul to be$0.
Credit Limit.
Ur t fi t n,exim-un smn;-.t of Crop, rc !able lm you as.,ef bI Ole groounl'by us!rum (C)The method of determining the an it at of the FINANCE CHARGE: The FINANCE CHARGE
f. c,o m K
Finance Ghange The ct of credit ranter d(d fa you r)I Inc. Account q 'tgin lama hl !:
,heated is Ig a Citing Cycle will br try sum of tire. Transacrin Fee an<I periodic: Rafe
g y co Tot onts of the FINANCE CHARGE d rag nmMd to :
(Ali firlooic Plate to Ihn Aver e, ;Dols, btlhm�fl Ford the Tunioraclon Felt for Cann Aev.Le
oral IT 15. I Iloolvile a T iolisoot.do :Ce ar a I.n'1 11 2%11 the a n'.Ct fir n',CI.of Input Ya .a r,sel
t eaWrCh(cka5tatementChe(k oc 1 y dr a adivir a $10-00 citation, r a(. or-,ac ( T I(.Crash ra veh e. losadtl nrp the 911 a f'de.
t l och rod a ocr'boy, defies (Z non org to the Awi a„c Dairy Bal,h x: or NN Bill e Cliff. a to n y e�ua:c Rae of
pI rivrot : l ,Ilanoin,fo does tOercaf hit 11,1,1 o Cd 'y adt})Ile("agdlrsl [Gr C2(}iL rdrd
er.rem 'still hr ,n^yal a n r Cod negotiability u('a rJmdc 1041]9E!tout Apogding ANNUAL PErtCEKiAGE RATE i9 1,15%).
New Balance lhd acSouyt caloric moorlands IS mill the Closing Dale. (D)The Conditions Under which any other charges may h5 hnpo.5ed:
Other Charges Clargos To your Account Other than Cash AdvancES or Purchases.Other Charges t1)Annual Card Membership Fee.,A$50.00 Annual Card Methberehlp Fee-net o;charged
:n Itsled part To of i e ig eel eel, l0 your Aacae,1 It it me I ho if ThIl IfIlor felt Your fad wil raoire le.; Ulan n
Proleptic R lty 'f,m rowerwile o.Font,Charge no it ear Or IA st d tracer ce for a peeiotl. In this year the Annual Fly _r It pro (- III ID !s i,s o+or, r ( et bC( y
P,.gYRem(.11 it Monthly'Pt'Oct'Ra d is used fire ford exoi es. only ore fee x111 be charged rich if uom co,Shia Card !S "'Cell
Previous Dalmse_The balance If ohm Account at One beginNng of the finning Cycle. III: Is fle on ape Account.This fee «aty be waived if you have an acts,chooklng account ,'men
sumo ammmt heat was Sill as-New Hoarse on the Closing Daley on he 5tationio of for fhe, Alaska USA FCU,
preceffmp idi tg,Core o I? Late Payment Fore, A M.'TJan P,,bCc,t not pad ban 13 c yh after Pavmc ill Doe
thato L5Pe EM(( 0_5 of(."'Lt by u5 t0 all :ot plats on dough celery'or Ief ors o'gcod,,,, Lee w l be shold.in 10 a ainulC CI<rge G 5n O e M rr.nllm Pdyo Ivni due!$1.Oe
you.,Insurance ar CI services trial honer yagr Card arro our other snouge<_or are(5, rltnlmum.$35.00 1Ox m:nd-
User. File oe sons au(ha z n 0,a C.oryno it to oords.c(din undar an Account vntether named 13)Returned Check Charge.A 520 00 Charge Well br•assessed to yoar Credit Care fe iou.n.
AVa adpfcan oh us a User.or o.herw'ae wlCO any Check d li coned by you for ray'I1e,0r Or fhe 1em,m Is ref.:no,to us pnpa'd
TERMS AND CONDITIONS all Research and Copying Fee.A$3.00 fee,will be charged for each Sialealent copy you
Purchases and Cash Advances Yov.can SP me,Celli for Purchase,and Cash ACHa'4^a3.'fhe menY.er A $12 Ge pp rosy Ice no, bG lealuglid for COPOS of each d0ellment =n
Olin ,,o S',Onvans, ro'!e rater of yoc. A'.II lair ere(!!-!list or 65(N)0 per day.!bore is no connection x411 lot,Account,Via(you all ki ,l s fee if not unloosen f,he copy's for
Y n Tun 1 Ie: "arro um rodoor y(e al an atlo,hufed ldri rl ,E is 5500 AS, (lay.There is no d( rest, fhmr,of I L -lg noon
crmmum'1 w Tnf.Yon w'Il door,va far those frosamor,pc is Founnixos,Charge are Ounce Gaarg'its.If (E)The conditions under which we may retain or acquire any security Interest in any property to
111y,all pry pee or US.Dollars. Secure the payment of any credit extended on the Account.
Monthly Statement.If you sieve ar,O'1191anC I S dri I l or coral f NPs B boo 'l e,Oop,of$1.00 all 42. If we III or hC e a he build an, de,pledge or be" r ty olhrfr 5l p a,,of O l p.Plena"
hem'' 'h Fn ice Ct Igo .n apt sad hijair p,if Bdling CKII w(W,I: 'end you r,statc'n,mnt.You may did trial file brour of the astral P n Creating Such only.mledgc,1 or Sufi._,Thercm
boss per us for if we tier. ,o any party Ids whom wo transfer and assign yo.:f Account)according w.f also secure you'Obligation or dox,rbothis.
to troy Ttnr15 and Continuous of the Accooit. (2) If ymu gave. pledged or Shad nereafte,: so.a y You: Calypso. I[!sl(Ienr,C act Carillons!
Other Terms and Conditions(including Federal Truth in Lending Disclosure) seaam!y for any Ino eb[cdness of whirr, se are Or become the owns'. elf hoidei. .l rs
(A)The conditions antler which a Finance Charge will be moral hereby ar dorstood that we.nomby waive ary,calm we might otherwise Scours,aganaa
Gold I1ec50nai refinance as collateral Security for any Ob larrmn to us dosing from y00i
(3 j Purchases.A Felaace Charge peel well aceple how the dale posletl W!i be I,oposed on else of,he Cam.
Pl.rcnass industrialist,posted during a String Cycle when the for id n,Riflance is not
in T
p 'd In fur with it Lhe first 25 days of the Billing Cycle.A Tribune Charge for will accree he minimum periodic payment required:If you alegl not f0 pay your balance full,a laymen;
for,fill onto day of the ned bl[hog/cycle-11i Also be Imposed an panellises in hour, d('eprforg to the following Schedule relief be made by You wrillo 25 days loop the Clonfurt
I',the New Beauty when the entire New Balance IS not peril hl fill within 25 days a11er Date Of the Billing C'yde as sh(rwn on,oars slelemenr_
his Closing Dale.NO Finance Charge will be lofposel on PUrthri e r ilatil rc the New Minimum Payment Schedule;
Balance when the afraid New Balmo Is paid ,n fill wiWin 25 days after tine(,losing If your New Balance is Your Minimum Payment will ben
Dote Less!h{m$15 Nevs Balance In or!
i2; Cash Advances.A Fell, Charge in the torn', of a Transaction Fee will be unposed $1510$500 $15
of each hollachimn for C+1 Advarcns wonted TO the Account during A Filling Cyold. More than$500 3%of New Bari,bnandr f On la rul wbINy dollar,
A Firlarica ( l;ree eon fated on a Periodic Rate [)of In will also be Unposed on Cash In adui oh to the holder. ,he U-mru h Prom ill oh r qiC the A no f 0;al. Past Due
Ataa ice far for, ca posletl to the Account t ngb 'be del paid. The Firp tap payments and the Amer It l)y wh0h th.ri Botanist(W ed. :he Cabor L h:I in,the Account
Charge spurred a Ca h Ada ere,between the C!(. ing Date of the Billing Cycle,and into PeymyoO, eatrved no II be fast appsed to 0ustanp'a F'nannl.Charles n u M'acAha,,l
(. ut 011 Ar.'ous s rred led Nl appear 01 Von� bexl. '[ rioul The,E IS na lime period g
Charges.Pu Ihen to L.aSn Ad led and PI VchaSCS 4lleVim1.51y h IC(:,and on,,m Cash Adran6ne
Other v huh to pay ro amid one Finance,Chaige or Cash Ac'r,�nee. and Pt Chases carte hly ,Illed.
011111,411 01 mr I>imnsF Sir