HomeMy WebLinkAbout05-1510
r
Ron Z. Opher, Esquire
Attorney for Plaintiff
Attorney#57507
P.O. Box 2245
Southeastern, PAl 9399
(610) 902-0530
American Express Travel Related Services Company, Inc.,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
Plaintiff
v.
CIVIL ACTION - LAW
Marc E. De Coen
208 GREEN LANE DR
CAMP HILL, PA 1701I
NO. OS - If//')
C'O.,{~~
Defendant
COMPLAINT - CIVIL ACTION
NOTICE TO DEFEND
A VISO
Yau have been sued in court. If you wish to defend Le han demando a usted en la corte. Si usted quiere defenderse
against the claims set forth in the following pages, de estas demandadas expuestas en las paginas siguentes, usted
you must take action within twenty (20) days after tiente veinte (20) dias de plaza al partir de la fecha de la
this complaint and notice are served, by entering a demanda y 1a notification. Haee falta asentar una comparencia
written appearance personally or by an attorney and escrita on en persona 0 con un abogado y entregar a la corte
filing in writing with the court your defenses or enforma escritas sus objectiones alas demandas en contra de
objections to the claims set forth against you. You su persona. Sea avisado que si usted no se defende, Ia corte
are warned that if you fail to do so the case may tomara medidas y puede continuar la demanda en contra suya
proceed without you and a judgment may be entered sin previa aviso 0 notification. Ademas. Ia corte puedc decidir
against you by the court without further notice for a favor del demandante y requiere que usted cumpla con todas
any money claimed in the complaint or for any other las provisiones de esta demanda. Usted puede perdes dinero 0
claim or relief requested by the plaintiff. You may us propriedadedsu OtTOS derechos importantes para usted.
lose money or property or other rights important to you. LLEVE EST A DEMANDA A UN ABOGADO
YOU SHOULD TAKE THIS PAPER TO YOUR INMEDlATAMENTE. SI NO TIENE ABOGADO 0 SI NO
LAWYER AT ONCE. IF YOU DO NOT HAVE A TIENE EL DlNERO SUFFICIENTE DE P AGAR TAL
LAWYER OR CANNOT AFFORD ONE, GO TO OR SERVICIO, VA Y A EN PERSONA 0 LLAME POR
TELEPHONE THE OFFICE SET FORTH BELOW TO TELEFONO A LA OFFICINA CUY A DlRECCION SE
FIND OUT WHERE YOU CAN GET LEGAL HELP. ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR
DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL
CUMBERLAND COUNTY BAR ASSOCIATION
2 Liberty Ave
Carlisle. PA 17013
(717) 249-3166
ASSOCIACION DE LICENCIADOS DE CUMBERLAND
2 Liberty Ave
Carlisle, PAL 70 135
(717) 249-3166
I"
RON Z. OPHER, ESQUIRE
Attorney for Plaintiff
P.O. Box 2245
Southeastern, P A 19399
Telephone No.: (610) 902-0530
AMERICAN EXPRESS TRAVEL
RELATED SERVICES COMPANY, INC. :IN THE COURT OF COMMON PLEAS
Plaintiff :CumberIand COUNTY, PA
Marc E. De Coen
208 GREEN LANE DR
CAMP HILL, PA 17011
:Docket No. n!; - 15'{ /')
e()~L.'t~l
Defendant
COMPLAINT - CIVIL ACTION
COUNT ONE
1. The Plaintiff herein is AMERICAN EXPRESS TRAVEL RELATED SERVICES
COMPANY, INC., a New York Corporation., located at 200 Vesey St., New York, NY 10285-
3820,
2. The Defendant herein is Marc E. De Coen, an adult individual located at 208
GREEN LANE DR, CAMP HILL, P A 1701 I.
3. Defendant borrowed from American Express Centurion Bank the sum of $6335.01
over the course of the parties' cardholder relationship on account number 3710- 3 14269-92000 as
of the date of the last account statement being, October 31, 2003. A true and correct copy of said
account statement is attached hereto and marked Exhibit "A".
4. Under the terms of the cardholder agreement, additional interest has accrued, and
continues to accrue, from October 31,2003, at the rate of 23.99% per annum. A true and correct
copy of the relevant cardholder agreement terms is attached hereto and marked Exhibit "B".
5. In addition, Defendant agreed to be liable for Plaintiffs actual costs of collection,
including court costs and attorney's fees; said attorney's fees being contingent on recovery, at the
rate of 15%. See Exhibit "B".
6. Plaintiff has in all respects fulfilled all conditions precedent to its obligations on the
contract and for bringing this Complaint for damages.
7. Despite repeated demand by Plaintiff, Defendant has refused and continues in
failure and refusal to pay further sums due Plaintiff.
WHEREFORE, Plaintiff demands judgment in its favor against Defendant, in the amount of
$6335.01, together with interest at the contract rate of 23.99% per annum commencing in October
31, 2003, and attorney's fees at the rate of 15%, and costs of this action.
COUNT TWO
Plaintiff also claims alternatively on the basis of quantum meruit or Quasi Contract.
8. Paragraphs I through 7 above are incorporated herein by reference as though fully
set forth.
9. Plaintiff was neither a volunteer nor an officious intermeddler.
ro. Plaintiff provided said credit.
II. Plaintiff expected payment from the Defendant for said credit in the amount set
forth above.
12. The amount claimed is the fair and reasonable market value for said credit.
WHEREFORE, Plaintiff demands judgment in its favor against Defendant, in the amount of
$6335.01, together with interest at the contract rate of 23.99% per annum commencing in October
3 I, 2003, and attorney's fees at the rate of 15%, and costs of this action.
Dated: January 12,2005
BY
<-~-
Ron Z. Opher, Esquire
Attorney for Plaintiff
of counsel to Zwicker & Associates, P.c.
DUPLICATE COPY
.
~~':s Personal Card
Statement of Account
Eam points on all of your
purchasell, everywhere
you u_ the Card.
Visit www. american~xpress.CQmlreward$.
Prepared For
MARC E DE COEN
ACCOUrl\ Number
3710-314269-92000
Closing Date
09/29/03
New Charges $
(im. Finance Charge
Previous Balanc:e$ PaymentsfCredits$ if any)
Due in Full 1,224.81 0.00 +31.99
Flexible +4,944.47 0.00 +101.75
Total 6,169.2811 00011 +133.741
Minimum
Amount Due $
+1,256.80
+302.32
NewSalance.$
1,256.80
+5,046.22
= 6,303.02
1,559.12
.
Page 1 of 3
.
Please Pay
Upon Receipt
Please refer to page 3
on How to Avoid
Additional Finance
Charges.
Please refer to page 2
for important information
regarding your account
.
.
Your account is past due. Please send a payment immediately to avoid an additional delinquency charge.
Your account is cancelled.
Contact us at www.americanexpress.com or call Customer Service at 1-800-528-4800.
- Activity. 'I,.:jicales posling dale
Card Transactions for MARC E DE CO EN
Card XXXX-XXXXXS-92000
Amount $
Total of Card Transactions for MARC E DE CO EN
New Charges
PaymentS/Credits
0.00
0.00
Other Card Account Transactions
09/29/03' DELINQUENCY CHARGE ON 1,069.87
Total of Card Transactions
New Charges
Payments/Credits
+ Please lotj on the perforation below, detach and return with your payment ..
Payment Coupon
Account Number
3710-314269-92000
Please Pay
Upon Receipt
Total New Balance
$ 6,303.02
31.99
31.99
0.00
Continued on PEtge 3
Please enter account
number on all checks and
correspondence.
Please refer to Page 3
on How to Avoid Additional
Finance Charges.
MARC E DE COEN
208 GREEN LANE DR
CAMP HILL PA 17011-8316
Minimum Amount Due
$ Note any address aneVor
1,559.12 telephone number change
on reverse side.
1",111",111"""11",111"1",11",,11,11,,11,,,1,,1,,1,,11
$
I
. I
Amount enclosed
Mail Payment to:
AMERICAN EXPRESS
P.O. BOX 1270
NEWARK NJ 07101-1270
~ J I-A- I
111",1",1",1111"""11",1\"\,1\",1\\,,,1,1,,1,1,,,,11,1
0000371031426992000 000155912000003199 29rlrl
Unless you check here,
this change will apply to aU
of your Card Accounts
except any Corporate
Card Accounts you may
have.
D
DUPLICATE COPY
"Prepared FOI
MARC E DE COEN
Au::oun\ Number
XXXX-XXXXX9-92000
Closing Date
09/29/03
"
Flexible Payment Of)tion Statement of Account
Creditor: American Express Centurion Bank
Your Flexible Payment Account is seriously past due.
-----~-- -----
AccoLlnt
Summary $
4,944.471
0.00 .
101.75
0.00
5,046.22
Minimum
Payment $
302.321
Payment
Due Date
10/24/03
Previous Balance
Payments/Credits
FINANCE CHARGE
New Charges
New Balance
Finance Charge
Schedule
Balance(s) to Which
Rate Applies
ALL
Average Daily
Balance
$4,993.52
Annual
Percentage Rate
23.99%
Daily Periodic Please refer to page 3
Rate for important information
.0657% regarding your Sign &
Travel and/or Extended
Payment Option.
Page 3 of 3
Account Number
XXXX-XXXXX9-92000
C\osingDale
09/29103
Minimum Amount Due
includes
Past due amount
$200.57
Amount due this month
$1 01.75
Total of SaT and/or ExPO Activity
New Charges
PaymentsfCredits
0.00
0.00
Important Sign & Travel andlor Extended Payment Option Information
The ,following tenns and conditions apply to charges made on your Sign & Travel and/or Extended Payment
Option.
Finance Charge: To calculate the Finance Charge, we mUltiply the Daily Periodic Rate, by the Average
D.a.ily Balance. during the biUing. period. Then we multiply the product by the number of days in the
bllhng cycle. To get the Average Daily Balance we take the beginning balance of the Sign & Travel
andlor Extended Payment Option ("Account") each. day, add ally new Account Charges and accrued and unpaid Finance
Charges, and subtract any payments or credIts. Then we add up the daily balances for the billing period
and divide by the number of days in the bill;ngperibd, This gives us the Average Daily Balance.
ThiS method of computation of the: Average Daily Balance results in compound interest If in any 12 month
period ending with the Closing Date of the current billing period you were in default on your Account or
any other American Express Account, the APRappJicable to your entire Account baJancewill be23.99%.
Payments: Mailyourpaymenfin the enclosed envelope or to the address for payments listed on page 2. Remember,
your paymerit each month should be for at least the Minimum Amourit Due or the Total Amount Due, whichever
.appears on the Card Account Statement. Either amount includes the Account Minimum Payment shown on the Account
Statement and the balance due on your Card Account. If you want to pay more than the Minimum Payment(up to the
entire Account New Balance), make your payment for the larger amount and the excess will be applied to your Account.
How to avoid Additional Finance Charges: You have the right to pay the entire New Balance of your Account at any
time without penalty.. ~o Finance Charges will be assessed in any billing period in which there are no new Account Charges
and payments or credits equal or exceed the previous outstanding balance are received before the Closing Date of the next
billing period.
.~ ./tL
^
,. -4
~----~~------_..-
Billing Inquiries
Customer Service
1-800-327-2177
(24 hours, toll tree)
Address
American Express
Customer Service
PO. Box 297807
Ft. Lauderdale, FL
33329-7807
Page: -1 Document Name: untitled
'.136-1
PNDING
Acct...: 371031426992000
CUSTOMER 029300431014USD Cmkr
Name...: DE COEN,MARC
Name 2.: ,
Address: 208 GREEN LANE DR
Address:
City... :
Ph (Off) :
Date
10/31/03
10/04/03
F3 Go Back
11:11:23
CAMP HILL
7177638007
Time Code
00:30 11410
02:12 10POl
RECOVERY MANAGEMENT SYSTEM
View Financial Transactions
Y
Bal
USA
PA 17011
7177612119
Description
DEBIT ADJUSTMENT - OTHER
INITIAL RMS BALANCE
***** END ******
6335.01
9/09/04
11/01/54
510
PR
OlAMUS
AMEX
2NKZ
RAMXZMW
Birthdate. . . . :
Status. . . . . . . :
Product Type.:
Officer. . . . . . :
Recoverer. . . . :
Agncy/Atty... :
Interest %...:
Received... ..: 10/04/03
Assigned.....: 2/05/04
Sys Gen Posted Amount
31. 99
6303.02
F13 Dbtr Smmry F14 Slct F15 Vw Bal F16 Invoice F17 Detail
'h
1,"1_FDR706690 2/27/04 9:56 AM Page 1
)
IDR706690
cp
tv2i024 (04104)
AGREEMENT BETWEEN CARDMEMBER AND
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
I
t
Welcome to American E_press Cardmembeffillip
Thls document and the accompanying supplement(s) constitute your
!lgreement Please reM and keep this Agreement Abide by ils terms.
When you kee(J,signmusetheCardiw.ledleYOU (including any
renev.ralorrepJacemenlCan:Is),oryouusetheacrountassociatedwith
this !lgreement(yDur"Canl kcount"), you agree to the terms of this
Agreement Thewords "you;' "your" al'l! ''yIYJrs'' mean the perr.onwho
applied for the Card Accoumand thepcrson 10 whom we addnssbilling
S\1.ttments, aswell a<; any person who agrees 10 be Hable on the Card
AccOUrlt The "Basic Cardmember" is the pcrYm who opened \he Card
AccountAlyourl'elJues~wemayaJsoissueaCanlonyourCardAccounl
ill ?rlotner person (an "Ml1itional Cardmember"). The term "Card"
referslOtheAmericanExpresseCardissuedtoyou,a11IJlhel<:~iffiuerl
on your Card Account, and any other device (such as Card Accounl
numtJerr,) With which you ffiay acress your Card Account ''We:' "our"
and "us" refer 10 Arnericao Express Travel RelalaiSelVlcetCornpll.ny,
Inc., the issuer of your Card Accounl.
Using the Card
You may use theCardtllooUing\::lOltand3er.'icesfrom any person who
accep15theCard.Transactionsyoumakeinresponsetopromotional
olien;from us will besubja::tta thetenn., of the promotion and this
Agreement All amounts ch~ed Ie '{IlllrC:ud IIcwunt, including
charges for purchases, anrlualfre(s), ifany,any:unountsguaranteedby
use of the Caro, other fees, and anyFinanreCharges, are "Charges." You
agree not to let;my peMn use a earn except a Cmimemberwhose
name is on iL You agree ta notiftll, if the Caa! is lost Of sloJen, or you
SU"5jlI':ctthatit is being usedwiU101Jtyourpennission. You agree to use
theCardAccoulltonlyforpurchasesthat:m~lawfulanUarepelIDilted
under this Agreement E.xteplolSotherwisereqllired by 3PpJicable Ial\; we
will no\be responsible if any merchant refuses to honor the Card or for
any other problem you may hal'e with a mercha\lt.
The CMi has no pre-set spending Iirrut Each Charge is eva!uatedin
lightof)'Jurspending andpaymentpattems on your card Account and
other account<; you may have with I.l5 IDU out affiliales,your credit
hislOry.includingexpcriencewithothercredilors,andYOllrpersonal
resourcesknoWl1tous.Wereservetherighttodenyanyrequeslfor
authorizationforaChaq;e.Wemay"/Jool1OqIl'lSI'.illditionalinlormation
from you at anytime.
We may issue you rcnewaJ or replacement Cards tlefore apccl'iously
i>soolGcley.lli~
llyouoranAddltion;uCardmemberauthorizeathirnpar'q'\l:IbilIChalges
on arccurring llasis to your Card AccOllllt ("RecurringCharge(s)"),we
may (bu\m not required 10) prol'idesuch third partywithyollrcurrenl
CardAccounls~tus,CardnllmberandlorCX9irationdattillpem\itthat
third party 10 continue billingyourCardAccoUnl. We may take such
ste\lSeveni{'{Ilu.r~nlnumberchangesorilweissuearenewalor
replacement Card tll you or an Additional Cardmembe~ To withdraw
allthorizatiOllforaRecurringCharge,youmuslnotiftthethimparty.
Prumisetopay
YOupromiselO~ayallChar<6es,induuillgCharge.innlITedby
Additional Cammembers, on your Cani AccounL This promise incJudes
any Charge !orwruchyou or an AddilionalCardmembcrindicalt'dan
intenttoincurtheChar~,el'eJ\lfy<lulJ(~AdditkmaJCardmcrnber
have not signed a charge fonn or presented the Cam. You also promise
\0 pay any Charge incurred by anyone dlalyOU or an Mditional
Cardmember let use the CanL even though you h\l.w agrel'rl liOt\l.l le\
anyone eJse use the Card.
Status 01 and Rcsponsihflityfor Additional Cardmcmhcrs
Additianal Cardmember;do rnll have acrounlswith us. Instead, they are
authorized users on vour Card AccoUnt, and the Cards issued to them
marbecanceJlerl by'you or us alanytime, You must nOlift us torevoke
anAdditloI1alCanlltW.mber's~lTI\i:;:;ionloIDe)'OUrCardI\croUllI.You
arerespollSibleunderthisAgreementforalJuseofyourCardAcoJumby
the Mditional Ca.nimembers, and byanyoneeIseyou or an Additional
Cardmembe[letsusethcCard,-.mdtheChaJgestheyincurwil1bebmed
tllyolj,Youha~thisre;p:msibmtye~ifyoodidnotintm:lforanAdditiorLal
CanJmember,orotherpe~on,tllusetheCardforanytransactions
An Mditional CM\imember is 110\ liable for Charges illCUrredby the
Basic Cardmember or by other /ldditioniI C~rdmember.;, fl..Q\\'e'.'e{, hy
each use of the Additional Card to incur Chargl$,theAdditional
Cardroembet illd~C'&te5hi$or 00 agreement to pay us lor the Charge if
you fail toorrefusetopayi~ :l!ld we may, al our discretion, pursue
Additional Cardmembers for payment of Charges they incur or
authorill'.. You ;l.Uthol"izeu.~\\)provideCartll\CCOuntinioffilalion tll
Additional Cardmembers and w discuss the Card l\CCOunlwith therrl
You agree to noti~' each Additional Cardmcmbe~ at the time he or she
becomes:liL AdditirnwJ Caromember, that WI: mal' rcceil'l', record,
exchange and use information about him or her'in the same marmer
we do with information abomyou, as deSl;:ribed below in the
CONSUMER REPORTS, TELEPHONE: MONITORINGfRECORD1NG,
and SUSPENSION/CANCEllA110N ~ons of this Ag~ment
51
BlllingStatements
Youmusloolify'&immaldy of llll)'change in themalling ore-mail
address tll which we send biHingstatements or notices thal. abillin%
statementhasbeenposled ("BillingAddress"),lfyouwish a BiIJing
Addresschangetllapp\ytomorethanooeacrountyoumaintaillwllh
US,you mill>1 telJ us. You agree thai we may also upd:ue your Bllling
IIddressilwereceil'e information that your Billing Addrl5S has changed
orisinroro,:;lWeaP\lly~ttrmsrnlh~Agreemelllthalvarybj'state
aa:ording to your BiJ]jllgAddn5S. When lI'ercceive Jnformation thal.you
hal'echangerl yourBiIIillgMdress,thosetermsofthis Agreement that
vary dependingnn \hesla\e d. yom Bimng Md~ will appiylO the
entirebaJance liyourCardAccount,indudingexisting balance;
Payments
Mlpai'IMnt:;rnUl>tbe:;entwthepayrnenladdressshown on yourbilJing
starement and musl indude the remittance COUjlM {rom yoor bilhng
statement Payment is due upon your receipt of the billing statement.
i'{)\ImustpaYlliinU.5.rurrency,withasing]edraflorch~kdrawn{)n
aU,S. Oank and payable in U.s. dolJars, or with a negotiallle instrume.nt
payableinU.S, doHars and dearable through the U.S. banking system,
oithroughar.declronicpaymenlmethodclearablethroughtheV.s.
banking sysrern. YourCard!\ccountnumber must be included 00 Q\"
with allpayrnents. lfwedecide to accept a payment made in a foreign
currenC}','{Ilu authori:rellitocnooseaconl'l'csion rate that is acceptable
10 us toconvcrtyourrcmillance intllU.S, currency, unless apa[1;:icular
rate is required by law,
Pa)'l"W\5ronfmmingwt'ne above requIrements thatwe receive no bter
thwthehourspedfiedon)\JurbillingstatementWillbecrciitedtoyoor
CardAo:ountasoftheda:yrecei1t'd;paymentsoonfonningtlltheaOOl'e
n:qUi~n\5thatwe:recciveafter1hehourspecifredonyollfbilJing
smlemenlwillbeacdJtedtoyourCanlAcrountaso{thefulklHingday.
If payment dm not confonn to the requirements staterl above, crediting
m:aybeclelayed,lI1hishappens, additional Charges maybe imposed. We
ma}'ao:eplJatcp1yment:;,p:rrtialpaymeu1S\)\"?S\Jjl~n1smar\u>das
beingpaymentinfuHorasbeingsettlemenlofanydisputcwithoutlosing
any rnour rigl-nsum\erl'nis Agrremenl orullder the hlw. Our aa:qJtance of
any such payments dre; not mean ~:agree to change thi5Agm;mentin
anywaYYOlJagrn!thalouracceptanCfofsuchpaymenl5wiJllloto~rateas
anawm.land,atislactionv,TI'noulourpriore>;pres:swdltJ2napprovaJ.
Subjec1lo applicable law, we toil/apply and al!ocate payments
bttwee;; ;.'o:<r Card A=:;rJ ar.d yo..r Sign & Trowe! ar.d/01'
Extended Payment Option 1,<<ollnl (if that account h4s been
activated) ("Extended l'aymern AccnulIt'J (refmM ID as
''A=unf'' in the Sign & 'Travel and/or Extended Payment Optian
AgreemerJl) and, within each oj these accounts, fo Charges in an)'
order and manner dek:rmined by us in oltr wle di,cretirm. In mosl
ca~s, we will apply and allocate paymenlS as folJows: Firs!, w delinquent
amcun1s,andamongdillerentdelinquentaccounlSOfthercaretwoof
more) at our disaelion, Secorul, to rninimuffi 1llli)Un1s due on wur
h1endedPaymentAccount(if;my).Third,toyourCaroAccourit.
FOUl1h, ill ffiner:nnounts oUlStanding on any Extended Paymenl
Accounl,applyingandalJocatingpaymeutsgeneratlYillt!..lanwa\
lower Annual Percentage Rates ("APRs~) before higher APR
bah.lII.'f!.Ir,11\OOIC=,ilyouhal'eacreditbalanceonl'OurCard
AccounlwcwiUnolappJyoraJJocateanypartofthal.c.reditbalanceill
any Extended PayrnentAa;oum ullless you contact us at a time the
creditbalam:e exists ami inslruct lli ill writing how you want us to appJy
thalcnrlitbalance.Howelu,forservicin~adrtlinistrativc,syV.emsor
otherbusincss reasons, we may appJy and alJocarepaymenls and credits
among any Caroh:rolln\%1df.x\endedPaymentAccoulllbalanres and
to Charges on any account ill some otherorderormannerthatwemay
detenninein our soJe discrclion. You agree thatWl: hal'C the
unconditiooalrighttll(');ercisetl1istl.iscretioninawayt'natismost
fal'OrabJeorcomruienttous.
Aufhoril.ation for Electronic Debitto Your Checking Account
Werese1"l'e'Ihcrightwprocesscheckselectronica1~'bytransmiltingthe
amoullt of the check, the (\)utingnumber,accO\1\ltnumberlllldcheck
serial numbertllyourfinanciaJ institulion, Bysubmilting a check for
p.yment, you authoriZe us 10 initiate an electronic debit from your bank
or asset account. Jfweprocessyourcha:kele.ctronically,'{Ilurpaymenl
mayb€ debited w your bank or assel accoum the same riaywe receil'e
youlcheck.Al:;o,ilwepnx;t.\syourcheckeleclronicaJly,youwillnol
receil'ethatcanceJedrheckwith your bank or asset accouflts\3.temen\. If
wc caonol cclJect the funds electronically, we may issue a draft against
your bi<nk or \l$et auount forthe amount of the check
Annual Fees
We 1\111 biJI tllyourCa.rd AccoUl1t an annual fee of $55 for the Ba..\..ic
Card,;md $30 for C'JCh AdditionaJ C:ird on your Card AccoUllL The
annualfeeforcachCaniis.inctC"JSedhy$5i{theBit\\ngAdllresofthe
Basic Cardmember is oulside the United Slates.
l~tc fees
Y0UrC-ardumuntWillbecomidereddelillquenljfpaymentforaJJCh~es
shown on a billing statement is 1l0t credited to your earo i\c.coumby the
<D
,
Closing Date of the next billing period ("NextClc~ing D-ate"). We may
assess Jatefm as foJJom (the amount ofanl' fee depcnds on the length
0{ time during which payment for the amount has no! been credited tll
your Card Account and theaddnss to whichyou.r bill isrelll.):
A. If payment for any amount bi1Jed w your Card Account is not credited
by the 14thdayaftertheNextClO.lingDate,butiscreditedbythe
Closing Date of thefoUo..."iugpe!iOO, a li<tt fee cf$2;lwill be assessed
and will appearon the same bjJIing stalcmenton which the payment
is reIlected.The$29 fee dcscrilled in this Paragraph does not apply to
CardAccountswithbiJJing~inCali{omia,\ow.l,LO\1isjana,
M"J$1IChusctts, Michigan, Mississippi, Nort.!J Dakota, Texas, Virginia
-mdWlSwn,in.
In each bHling periOO in which yom outstanC.ingbalano: inc\udes
anyamounls thatwere prel'iously ineJudedirl the balance billed 10
j'I.lu\lllIwODTmorebillingslatemenls(approximately60daYOP3sl
due) and for which paymelll has not been creditl<d to yOIl! Canl
Accoun~thelatefeewiJlequaJthegreateroft29or2.99%ofaJl
:MOO\l\ltr,whichwerepreviouslybilled lo you atle:<>tooc:e and for
whichpaymenthasnotbeencrediledlOyourCardAo:.ount.lfthe
oUlstandingbaJanceon}'OurCardAccountcontainsamountsthat
WQUld he subject ill Pqraph!l above and amoullls subjecl to thIs
Paragraph,onlythefeedcscribedinthisPar3V<ll?hwillbeimposed
C InsleadofthefeesJistedinParagmphEaoo\ll2,thcfollowingfeeswHJ
t!easseID'liQuC-.u:dActoonlswith billing adtIresses in the following
state5 on anyamounrs thatwereprel'ious11'1nduded in the balan.ce.
billed on twoormorebHlingslatements (approximately6(ldayspast
due)forv,hichpaymentnasllolbeencredittdloj'ourCardAccol1nt:
lowa-1.65%;Louisiana- i%;Michigan, Texas-I.5%;Mississir;tpi-
grealCrof $5 or 25% ($50 mali.); North Dakota-1.75%; Virginia-
2.5%.Massach~l15andWiscot\$inCaroAcc()unIsWil1be~
i 5% and 1%, .espectiveJy, only on amounts for which paymenl has
notDecncre.litedtoyourCardAccountthat\\'erepreviouslyillcluded
inthebalancebilleionthreemmoreb\llingsia\erncnts(approxi-
matt/y 9Q days past due)
OlherFees
We may charge th-e {ollowing {m to)'ourCartl/lccount, subjecl to
applicable Jaw:
] Dishonorrd Payments-We may chargil afee of $38 whenever any
cl1eck, similalinstrurnenl, or electrollJcpa}ment order thatwe recrive as
paymentisnolhonoralujlOnllrslprrs€n1Jnlmt.
ifaCardispresentedirtCl)On~tionwithcashingachockatanAmerican
E:qm5STravcl 5efl'ice O/fice or other anthorizeri location and the chock is
nOl honored, we may char[\e a fee. of $38, (Jiewm a\:;omld a ChargelO
yourCardh:cotlfllintheamountofthech~klhatwasnolhonored.)
2. COPies oj Siafemenfs- ~.'e may charge a fee of $5 for each billing period
forwhiclta.oopyafahilU.n'/;s\..\emefili:;reque;\ed,Wewmnolcharge
this ree for any requeslfor a copY of anyoflhe biIJillgstatement, for tb.e
threebillingperiols immediately prior 10 the request
~, CardAo::ounl Re-opmillg Fee-We may charge a re-opening fee of
$25ifyourDmJAa:ountiscancelledforan\,reasonand\'01l!Cll1.les\
reillSlatementandsuchrequesli:;honored
SuspensionlCancellation
In addition 10 anyo1heracuooswemaYl1>.\r&.ul\der lhisAgreemenl, we
maysu~ndorcancelyourCanlAcoJuntoranycomponentofl'our
CaruAccount,amllorwemaysuspendorcanceJtheauthorizationof
any AddItional Cardmember to make (huge tQ)'Our 1IcCOun1, at our
soJcdiscrclion at anytime, with or l'iithout cause, whetherornolyour
C-.mlh:t;Ounli,indefau1~andwithoutgiI1ngyounotice,subjectto
applicabJe law Anysuch action O!lollr\lactwiUlIOt=cel'f\)ulooliga-
tiontllpayallChargesdueonyourCardAccollnlunderthetennslithis
Agreemenl in effect atthe lime 01 such action or il,1 subsequently
amended, and you agree tll pay m all such Chugesde!l;l\\e IDys\lch
action. We may advise third parties wOO accept the Card that the Card(s)
issu.edt0'f\)l.landfOlNiditionalCardmembershal'ebeencanceled.lfwc
canceltheCardoritexpires,)'Oumaynolon~[useltalld'{ll\lmUs\
deslmyitorreturnitlousor,ifwcreguesl,tllathirdparty.
IfyoUwaIlt to cancel the Card Account or any Additional Cards,you
mustnoti~'usanddcslroytheCard(s).
If we agJel'lo rein.,IMe your r,anl Acccunt after a cancellation, the new
Agreemenl~sendyou(or,ilwedonotsendyouanewAgreemen~this
Agreement a.I it may lle amended) will gO'fl.mYfl'JT reinstated Card
AccOlllll, When we reinstate your Card Account, WI: mayreinstare any
IIdditionalCart!si>.<;uedinCOllI!t'CliOnwithyourCaroAWJUnl,alldbill
youtheapplicahlearlfluaJfec(s)
Default
We mayconsideryourCardAcCOUllt tll be in default at allY time if you
fall to pay us any amount wilen it is due, or iryou breach any other
promise or obJigation under this Agreement
Subjeclloapplic3bJela\\:wemayaJsoconsideryourCardAccounttobe
i\ldclault<l.\'MJytimeii an}'Slalement m:lde by you 10 us in ronnection
with thls Card Account or any other credit pmgram was falsc iM
misJeading; if you breach allY promise or obligation under any other
.4-
I
1,:,4 FDR706690 2/27/0,. 9:56 AM Page 2
I
I
t
agreementthatyoumayh~wi.IhU'i>OIwi.thanyofoural1mates;ifwe
rereive infOJ'ffi3tion indicating mat you are bankrupt, inteoo to file
bankruptcy, or are unahle 10 pay your rlebls a> they become due; or we
rereiveinfonnationleOOin'l,'Jl.tcCOlIdudelhlltyo1.lareotherwisenot
creditwUrthy.Inevaluatingyoufcreditworthiness,yolJagreelhat~may
rely on imonnation contained in con~umer reports, and in our
discretionwemayoonside.rtheamo\l.utddebtyouarecatry\ng
compared 10 your resoun:es or any other oEyourcredit cbaracleristies,
regmdless of yourperlormance on this CMdAccount We may also
consider your Card Accouut in didaultin theevmtciYWI death
lntheeventofyourdefaul~andSlJb)ectlOanylimitationsorrequire-
ments of appllcable law, we may suspend or cancel your Acrount andlor
any feature that ma.y beufIered in \llf\IleCtiDnwith thelllrountYou agree
to pay all reasonableoosls,incJuding reasonable attorneys'fees,iocurred
byus(1)inconrtectionwiththecollectionofanyamountdueonyouf
CardAccount,whethero[ootany-.ubi\ntitm,litigalion,orsimilar
proceedingsareinitiated;and(2)inreasonabJyprolectingou~jvesfrom
:my los:;, hann, or rlsk relating to any default on your Card Account
Transactions Made in Foreign Currencies
IfyouincuraChargeillafOreiIPCllITenCj,itwi.llberouv'/I"\edintoU,S.
dollmonthedateitJsproccssedbrllSorouragen!s,UnJessaparticular
rate.i~re\jl1iled.byapplicablelaw,youauthorizeustochOO5ea
conversion rate lhat i$ acceptabJeto us forthatdate. Cmreul1y, Iht
conversion ratewe use for a Charge in a foreign cUl'rencyis no greater
th:m (a) the highrstolIicilll conversion rate published by a govenuIlent
agency, or (b) the highest intcrbank convelliion rate ldentiiiedbyu:;
fwmC1.lSlomarybankingsouIT.<'s,onthecomnsiondateorthepriOf
uuslru...-;sday,ill<:acbi!lS\a1"lteincreasedbyZ%.Thisconversionratemay
differ from l"JtesineffectOll the datc of your Charge. Chargescollwr\ed
bVe5lablishments(such as airlines) will bebiJJedattheratessuch
eStablishffient~~
Benefits and Slltll'icc~
SubjecttoapplicabJelaw,wehavctherighttoadd,mooj~'orddeteany
benelit, service, or feature lhatmay accornpany your Card Account at
any lime and without notiCe tc yuu
Arbitration
Purpose: This Al:bitralion Provision sets forth the circumstances and
Il~ures under which Claims (a> dcfined below) may !Ie arbitrated
illstead of IWgated in OOllrt
De/mifiom:.o.s used in this Arbitration Provision, the leon "Claim"
111t'".lllsanydaim,d.isputeorconlroversybetweenyouandusalising
fromorreJatingtoyourCardi\cooutlt,thi~Agreemenl, the Electronic
Funds Tran.iferSen1C€SAglffillent, lheSlgn & Travel andlorExtended
Payment Option Agreement, and any other related orprior ag~ement
that you may have had with lJ.\,urthereiationShip5 re5ul\lngfrom any
of the abovc agrremenlS ("Agrecmenls"),indudingthevalidity,
erSorreat.mlYOI5COpeofthiSArbitrationFrovisio(]Qju~eAgra:rnenls
ror purposes of this Arbitration Provi,lon, "you"aml"us"a\windudes
any corporate parenl,orv,.nollyormajorityownedsub~idiaries,affiJiales,
'M:lylicensre;,piedEre.sors,Sllccessors,~igns,:mypurchaserofany
accounts,aJlagents,empJorees,directorsandreprese\1l:l.tivesol'iJJ'rfli
the foregoing, and olherpeIWlls referred to beJowio the definition of
"Claims." "Clai.m" includes dairns of el'crrltind and nature, incJuding
but not limBed to, initial claims, oounterclalrns, wm-claims -and thild-
partycJaillli and claims based upon contrac~ tort, fraud and other
i[\tl'ntional {{1m, ~tat\l~, regulations, cornmOlllawand equity. "Claim"
al50 inc!uJes c1alms by or against anytbinl party using or provid!r.g any
product, service or benefit in connection with anyaccounl (including,
butnotlim(tedlO,t~itbl.lrea\lS,thinlpanieswhoaccepttheCanl,
thirdparticswho use,provideorpartici~ateinfa:-bil5edorfreeocl'1cllt
programs, enrollmenl.<;enices and rewardsprograms,creditinsurat1ce
companies, dthtcollectm"s aoo 2.l1 of their agents,employeel, directors
and represenlali\'!'s)ifandonjyif,~uchthirdpartyisnamedasaco-
parlywHh yoUO[U~ (or files a Ciaim With or against you or us) in
connedion with a Claim asserteubyyou Of us againsl the other.'fhe
lean "Clairn"i>tobegil'enthebroadestflOOSiblemeaningthatwillbe
enfon::edandincludes,bywayofexampJeandwithoutJimitalion,any
chlim,Jis{luteorcontruve~1hatari:es{mmOJre\a1esto(a)anyofthe
accountl created underanyoftheAgreements,oranrb:3lances on any
such accounts, (b) advertisements, promotions or oral orwritlen
statements related to any such a.cooun1S,goods or 5emces linanceri
under any of the aocounlsor lheterms o{financing, (c) lhebenefilsand
oerviceore\atedtoCanimembership(includingfee-basedorfretbenefit
programs,enroIlmentser'licesmdrewards~),1\llu(u)vour
applicationforarlya=untWe~hallnotelecttousearoitration'undcr
1heAffiitra1.ion f'rovision for any Claim that you properJy file and pursoe
in affilalJclaJjTl.,courtofjuurstalE.urrounkijlallty:;olc.ngasll-Je
CJaimisindiViduaIandperldingonIyinthatcourt.
Initiation of Arbilration PrrxYiedtng/Se!edion of Administrator: Any
Chijm5hallberesolved,upontheekr.liooby'f'Ul)!u~,byarbhration
pursuant to !hisArbHration Provi~ioJ1 and tbe cooe of procedures Qf the
mtiOTlalarlJitralionorgaruzationtol'inichtheClaimisrel"em.'liincffecl
at dle llrne the Claim is filetL Claims mall be l'\'fe~ \0 eithertl:ic
Natioll:cl Arbitration I'orum ("NAF"),]AMS, or the American ArlJitra1ion
i\sf.ociatilm ('"M},"),3SselectedbythepartyeJecting to use amitration
If a selecuon by us ofone of these organizatious is ullw:eptable \i>you,
yollsha1)havelhelightwithin30d~afteryoureceivenoticeofour
electioDm selecteitw of the othel organizatiom]jstEd 10 serve as aroj,
trationadmjnistr'"Jto[Foraoopyoftheprocedure.;,tofileaCl~imor!t>i
oilier information about these organi~a!jons, contact them as foJlo\\~
FDR706690
-$-
. TheNAFatPO.Box50J9t,~tinneapoJis,MN55404;
Wl'.ooiteatWiVl'l.amilration-rorum.com
.)AMSat 1920Main Streel, Suite 300, Uls Angeles, agz614;
websilC:WWWjamsadr.com.
. MA at 335 Mad\sOTlkrenue, NrwYork, N'i lOO17;lYehsile: \VW\\:adr.org.
SignffiaJnce of Arbitration: IF ARBITRATION [S Cl-!OSEN EY AN'{
PARlYWIT/J RESPECT TO A C!AIM, NEmfER YOU NOR WE Will
HAVE TIlE RIGHTTCl W1GilTE 11lAT Cj)JM 1N COURT OR HAVE A
JURYlRlAL ON n1ATC!AiM, OR TO HAVE TIlE!R CWMS RESOUIEIl
EXCEPT f.JJ PROVIIlED FOR IN TIfE CODE OF PROCEDURES OFmE
NAF,JilMS OR AM, ~ M'PUCM',\.E ('ruE "CODE"). FURTHER. yOU
AND WE WlLLNOTHAVE TIlE RlGirfTQ PARTICIPATE IN A
REPRESENTATIVE CAPAC!1YORf.JJ A MEMBER OF ANY ClASS OF
ClAJMANTS PERTAINING ro ANY ClAlM SUB]EC'rTO ARBITRATION.
EXCEPT AS SET FORTH BELOW, TIlE ARBITRATOR'S DECISION WIlL
BE FINAL AND BINDING. NOTE THAT 01lIER RIGHTS TIY.T YOU OR
WE WOUW HAVE IF YOU ~Y.NTm COURT ALSO MAY NOlBE
AVAILABLE IN ARBITRATION.
ResJrictirmsanArbitraJion:If either partyeleclsto re>olveaC]aimby
arb\lratiOll,thatClaim-mallk arbitratro on an inuil'idualb:l5is.1here
shalibenorightoraulhorilyforanyClaimJtlJbearbiiratedona
class acJion basis or on bases involving Claims brought in a
purpor/l'd reprt:semaiive rIlj>aciJy on bebaif of tbe genI!Taf public,
other Cordmemhers or other persons similarly sftuatai. The
arlJltrator's authorilj' to resolve Claims is limited to Claims between you
and us alOl\e,and lhe...mit!lllor's authoril)'to make awards is Jimited to
awardstoyouandll$alone,rurthennore,Claim~brougl<tby\'{)u
againslus,orbyusagainstyou,maynotbejoinedorconsoHdatEdifl
arlJitrationwithClaimsbrougbt';yfor\l~someoneotherthanyou,
unless agreed toin writing by a1J partil'$.
ArlJitralionProcedures: ThisAl:bitration Prol'ision is matlepursuanl to
atC2.rlS?C1km imoh'ing interstate commert:C,andshalJ be gOl'fflled by
the Federal ArllitralionAc~ 9 U.S.C Sections [-16, as ltmay be amemiell
(the "FAA"), The amitration shali be governed by the appJicabJeCOOe,
except tl\"~t (10 ~ extent mfon:~able under the FAA) lhi~ Arbitration
Prollision shall control if it js iocoosistent with the a[lrlicabk Cc&, The
arbitrawrshall apply applicable substantive law consistent l1.ith the FAA
andap\llicablemtute:.oflim\\atiomandshallhonorclaimsofpnviJege
recognized at Jaw and, at the timell' requestofeither\larty,ilialljlrovide
abriefwritten cxpJanatioll of the basis for the decision, The arbitmtion
[lroceeding mall 001. be gmemed by any Feder-Jl or ~late rules of civil
procedure orrulesofevidence. Either parry may submit a reque,t\{l tne
arbitrawr to cxpand the soope ofdiSCDVelY under the appHcabJe Code
Thepartysubmitting~uch'Are\j\lC'S\mllS\pruvidcacopytotheother
party, who may submit objections to the arbitrator with a CO?y of the
objectionspruvidel! to lhe requesting parry, within fifteen (15) days of
rcceil'inr; the requesUn\',jlartrs notice ThtgJau1.ingordcnial of such a
requestwi1lbeinL1ex]edJscretionofthe;uuitrator,whosh.al[r.atiri
thepatrles of his/her decision wilhin twenty (20) daj'S of lhe objecting
party's submissiol1.. The arhitra10r shall take n::!lSQnable steps Wpreserve
the prlWcy of lndividuals, and of business maltel'S,]udgrnent u]lon the
;rwanirellderedbylhearbHratormaybeenteredinanycounhal'ing
jurisdiction. The arbitra1or',decisio[] will belil1al anu binding, excepl
foranyrightofappealprol'idedbylheFM,HO\\'l'H~r.anrpartj'can
aweal that award to a three-arbitrator panei administered by the ~ame
arbitration organization, whlch shall omsider 'ATIe.\' 1U"I)' aspect of the
inWaJawardobjectedtobytheappealingparty,Theappeaiingparty
~h-allhavethiJty(30)days!romthedateofenlJyofthewrilteu
artJitrationawanltonotifylheadJitru.ticnQ~anizatkmthati\is
exercising the right of appe:3l. The appeal shall be fiJed with the
ar\lilntiOl"l Of%llni2ation in the lonn of a dated wrlUog. The aroitr.ltion
organizationwillthennotifytheother]lartlf1hattheawmlhas\:een
appealed 1hearbitr.llionorganizationWiHappointathree-arbitr.ltor
jlwellhatwillcOI1uwanaroitfationpursuanttoilSCodeandissueits
decision within one hundred and twert\]f ([W) da'1'!\cfthedatecithe
appelJant'swrittenllotice. ThedeclsionofthepanelshaJJbebymaiori~'
\l()learuJ.sha\\befin:ilmJdbinuiog.
location o/Arbitration/Payment of Fees: MY mb\1n1.i0Tl hearing that
you altendshall ukeplace in thefe\iel'"al judicial districlofyour
residence, YO\l will be responsible/or paying yourshare, if any, of the
arbitration fees (including Wing"administrati'l'<:, he'Mingaruilorothcr
fees) provided by the Code, to lheextent thalsucb fees do nolexceed the
amOllntcithc filing iees you would have Jncurred if the CJaim baci been
broughtinthestateorfederalcourtdosesttoyolJ[bmill!iad~that
would bavc jurisdictiO/l over the Claim. Wel'iiJl be repoil:iible for paying
the rema.imlcr of any anlltra1.ioll fees. M your written reqlleS~ ~ will
consider in goodfailh malting a tempomy advanceof all cI!ar1olyunr
shal\~of~leMbitJ'"<ltionfetSforal1yCJajrllyouil1itiale as 10wlicl1 you
or 11.10 seek ar\!itr,ltilm. You Will not be assessed any arbilration fees in
excl'$ ofyuur share if you do Ilotprevail in aoy arbitratian wlth us
Confinualion:ThisArbitrationJ'rovisionshalJsuMvctenninationoE
'fI.ll.l1aWllln1S\lS~llasvo\ulllaIYpaymentoflheAccountbaiarJcejn
fuIJbyyou,anyJegalproceedillg,byyouoclJ.\toool1ectadWttllreilby
lheother,anybankruplC}'byyouorUl,andanysalebyusofyour
Account (and in the care ci ~al~, its terITl5shall apply to the buyer of any
of your Account). If any porUon of this Arbitralion Prol'l,iOn isoo.:med
inva.lidofuncnfotceabJeullderanyprlncipleorprol'isionofbwor
equity, il shaJl Mtin'l?lidate lheremJining portions 01 thisAI'bitralion
Pm'lisionortheAgreemen~cachofwhichshaHbeenforceable
regardless of ~uch invalidity
(62
2
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Waiver
Our faiJure to exercisc any ofcur lights underlhisAg,reernent,(llJrdcl'~'f
in enlon::mg anyofour rights, urour W3i1"Crofour rights un any occasion,
shallnolconstituteawaiwrclsuchligbt~OTIanyo1l1eroccasion.
Consumer Repllrts
You authorize us to request consumer reports about yoll, to make whalever
credilinVl'&igations~a~mappropriale,toobtainandexchangeany
infonnation ~ may receive from OOM\ffier reports'md other sources,
and 10 use such informationforanypurpDSCS,subjectto appIicab1e Jaw.
'iOllau1horizeustoJumishioformationconcemingyourCardAa:ount
kJ comumer ceportingageuc1es, u[o1her;. subject to applicable law. J/
you belie~ infonnatiol1 we have furnished about your Card kmunt to a
consumerreportlng agencyisinaccurale, you shouJd write to us at:
AmericanExpressCroo.itBureallUnit,P.G.f>oX7371,l'I.l.auderdale,FL
33329-7871 and identify the specifJc iofonnation you believe is inaccur:ue.
YouareherebynotifJedthatinfonnalionabootyourCardAccounllhatmay
hal'eanegatil/eimjlactCll'fl.lUltreditrecoromaybesubmittedtoacnxlit
reportingagel1CjifyoufailtofulfiJlthetermsofyourcreditoblig,ations,
TeJe-phoneMoflitoring;RecordiJlll
Yoo ag,reethatfrom time to time~ may monitor andlorrecord telephone
calls bel\veen you or Additional Cm-Umembersand u~ to a.\'lurethe quality
ofourcustomersen'ice or as required byapplicahle Jaw
US!! of Card at Federal Government Agencies
Amelk.an Exp=h~entem:l into contracts that enable the Card to be
accepted at certain federal government agencies and &.panmeuls
("Agencie5").Aswith earo trarlSactioma1 commercial establishments, when
yuuchoc6etou:;eyour(,1IJu atanAgenC); cenain Charge informa~on is
necc:ssariJy coJJected by us. Charge infonnation fromC2.ldt-rans-actiomat
AgenciesmaybeusedforpJ'llCeS'>ingCbargesandpayrnents, billing and
("/Jnection~activiticSaml.ml\)'beaggregatediorreporting,analysisand
marketing activities. Additiolla.] "routine use.s"ofCharw-infooualionby
Agencies are published perioJicaliy in the Federal Regisle[
Notices
AoynOticegivenbYllSsha.llbel!ee~dgivenwhcn&epositedintheU.S
mail,prntageprepaid,addressedtoyouatthelatestBillingAJdresss/Jol1.u
OIl om records.
Cllanginy this Agreemcnt/Assignmenl of lilis Agreemcnt
We ma)'change thelem1s oforaddnew\erms\olhi';AgiWllenla\ any
ti~lc,inaccordancewithappJicab1elaw.WemayappJyanychangedor
n\':W\e1IDS \o:l.nythen-existingbalanceson your Card Account as weJJ as
to future balances. Werna)' also sell, transfec or"1$i~ thi5Aywnel1\
alldlheCardAccountatanr~mcwithoulnoticetoyou.Youmaynotsell,
'/.$Slgllcrt!2.l1Sleryour(',lIJU/lccountocanyofyourobligationlunderthl\
Agreement
AssignmenlofCJaims
io ine el'cntyou dispute a Charge and wecreciit}11UrCard Accountior aH
orpartofsuchdl!{lutedCh'Mge,we-ammnaticalrysucceedto, and you are
automalicallydeemedtollSSignandtransfeftous,anyrightsandclail\\!.
(excluuing tortdaims) thatyau have, had or may have against any th[rd
party for an amollDtequal \0 the aIllO\Jn1 we credited to yourCard
Acwunt, Afterwe make such credit, you agreethalwithoutou(mnsent
you will nOlpulSue:mycJaim againstorreimbursememfromsuch third
party for the amount1hat-m cred.i\edtoyouI CanlAccounl, and that you
will cooperate with llS if we decide topul'Suethethirdpartyforthe
amOllntc~di\ed.
Applicable- Law
ThisAgreemcntandyourCal\lAccounl,andallquesti0l"l5\1boutthtir
Jegality,CI1forceabiJityandinterpretalion,aregol'emedbytheJawsoilhe
SlateofNew\"o-rk(with~utregard\ointema]principlesofconfljcl~of
Jaw), and byapphcabJefederal lall': Weare located in New 'Io-rk,holuyouT
Card Account in New York, and entemi into thi~ AgR'emcnl with you in
NewYcrk.
AMERICAN EA'PRESS TR-\.VE(. RElATED SERVICf.SCOMPMI', INC.
+
,
~,
Gordon A. Smith, President, Consmuer CaromemberSince 1%4
Th.is Sign & Travel and/or Extended Payment Option Agretmenl only
applies to YOIl i! the Sign & 'lmei or Extended Payment OptiOTl Acccul1t
(thc"Account")hasbeenaclivatedbyus.Wewillnoti~'y;luifaru.lwhen
weacliValeyourAcroun~and,wbenwedo,thisAgreementappliestoyour
usenf!heAcr.ount.'fhetennsanucondiuonsgovcmingtheAccountare
setfonh io thisAgreemeot ByeleClingto use theAccount,y;lu agl\\etobe
bounubrlhisAgreement Terrns thatate defined in tbc AmCricall Express
Cardmember Agrwnellthave the ~amemeanin~ ill )his Agreement
DescriptiolloftheAccoul1t
TheAccounti,ancxtendedpaymcntaccoutltoffcredbyAolerican
ExpressCenlU\ionBank (the"Bank")byimitaliononly. r.Er!aillfeatures
underthisAccountalJowCharge~lObepost.ed.alltom:l.ticalIYlOthi1
AccOllntOtherfcatu1"eSpemtitChargestobetransferred,upoorequest,
frumYJUr Caro AcroumlOthi';Au;ount
, Jan-04-05 05:1SP
P_OS
YERIFICATION
I, 6bl'l>cJNl:> ~aeJ)l~ _,hereby state:
] . I am an authorized agent of the plaintiff in this action;
2. I verify that the statements made in the foregoii1g Complaint - Civil Action are true and
correct to the best of my knowledge, information and belief; and
3. I understand that the statements in said complaint are made subject to the penalties of
] 8 Pa,c.S. 94904 relating to unsworn falsification to authorities.
(/~ ~~<
DATED: / ~l-..lD~
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