HomeMy WebLinkAbout06-7276Burton Neil & Associates, P.C.
By: Burton Neil, Esquire ID. NO. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
(610) 696-2120
Attorney for Plaintiff
AMERICAN EXPRESS CENTURION BANK IN THE COURT OF COMMON PLEAS
200 Vessey Street, New York, NY 10285
Plaintiff
V. CUMBERLAND COUNTY, PENNSYLVANIA
WILLIAM DOUGLAS NO. D(e - I.M Gtu Lc-7?;z-
2127 Walnut Bottom Road, Carlisle PA 17013
Defendant CIVIL ACTION - LAW
Complaint - Notice
You have been sued in court. If you wish to defend against the claims set forth in the following pages,
you must take action within (20) days after this complaint and notice are served, by entering a written
appearance personally or by attorney and filing in writing with the court your defenses or objections to
the claim set forth against you. You are warned that if you fail to do so, the case may proceed without
you and a judgment may be entered against you by the court without further notice for any money
claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money
or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE
A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. 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.
LAWYER REFERENCE AND
INFORMATION SERVICE
Cumberland County Bar Assoc.
32 South Bedford Street
Carlisle, PA 17013
Telephone No. 717-249-3166 or 800-990-9108
78961
Burton Neil & Associates, P.C.
By: Burton Neil, Esquire ID. NO. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
AMERICAN EXPRESS CENTURION BANK
200 Vessey Street, New York, NY " 10285
Plaintiff
V.
WILLIAM DOUGLAS
2127 Walnut Bottom Road, Carlisle PA 17013
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 04'70---7 i
CIVIL ACTION - LAW
Complaint
1. The plaintiff is American Express Centurion Bank, a business corporation, with place of
business located at 200 Vessey Street, New York, NY 10285.
2. The defendant is William Douglas, who resides at 2127 Walnut Bottom Road, Carlisle,
Cumberland County, Pennsylvania.
3. At the defendant's request, plaintiff issued the defendant a credit card bearing account
number 372508862411008 for the defendant's use in making credit purchases and securing cash
advances subject to the terms and conditions governing the use of the credit card. A true and correct
copy of the terms and conditions of the account is attached hereto and marked Exhibit A
4. The defendant accepted the credit card and the terms and conditions governing its use for the
purchase of goods, merchandise and services and/or for cash advances from vendors who accepted
plaintiff s credit card. In using the credit card, the defendant agreed to comply with the terms and
conditions governing its use which included the obligation to pay plaintiff for all charges made in full
upon receipt of the statement or in installments subject to monthly finance charges.
5. The defendant utilized the credit card by making/obtaining purchases of goods, merchandise
and services and/or cash advances from vendors who accepted the credit card. Monthly statements were
sent to the defendant which detailed the charges made to the account including finance charges, late
and/or, over limit charges. The balance due for the charges made by the defendant including any finance
charges, late or over limit charges is $35,924.36.
6. Defendant did not pay the balance due in full upon receipt of the billing statements and
failed to make the required minimum monthly payment set forth in the billing statement. As such,
defendant is in default of the terms and conditions governing the use of the credit card.
SHERIFF'S RETURN - REGULAR
CASE NO: 2006-07276 P
COMMONWEALTH OF PENNSYLVANIA: -O
COUNTY OF CUMBERLAND!
AMERICAN EXPRESS CENTURION
VS
DOUGLAS WILLIAM
SHAWN HARRISON
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon ;:.--
DOUGLAS WILLIAM the
DEFENDANT , at 1851:00 HOURS, on the 29th day of December , 2006
at 2127 WALNUT BOTTOM ROAD
CARLISLE, PA 17013
WILLIAM DOUGLAS
by handing to
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
Sworn and Subscibed to
before me this
of
So Answers:
18.00
5.28
.00
10.00 R. Thomas Kline
.00
33.2$ 01/02/2007
? ^ BURTON NEIL
146 ,o
Y" By:
day Deputy Sheriff
, A. D.
7. Although demand has been made by plaintiff upon defendant to pay the sum of $35,924.36,
the defendant failed and refused to pay all or any part thereof.
Wherefore, plaintiff demands judgment against the defendant in the sum of $35,924.36, and the
costs of this action.
eil &iAssociates, P.C.
By:
Attorney f9f Plaintiff
The law firm of Burton Neil & Associates, P.C. is a debt collector.
Iv62 685657 7/15/03 5:35 PM Page 1
Welcome to American Express Card•nembership
This (ieument and tae aaompnyingsupphement(s) aasahuk }our
AyouueuL 19rtse tend and kip dais AgnxtnrnL Abide by its term.
YYhco iuu kelp, sign or use the (earl issurl to rm (including any
trnttial rr inplaromenl t:anh). ur pot use the atrouni av" dalcd with
this Agntmeni (rnir "kaAiiiC'), ioat agrm W the emi3of this
Agr(xiteot.'fh wx(k "You," 'your" end -gores' ntcan the person who
applied for the Account anal the lwmxi to wimit yw adders billing,
%laienxnls, as wall as any person who spas Wbr liableon de Accatnt
'Ile "Rxsic C2Anmber' is the pas n whu o en ed the Aoxxmt. At your
n•yusL wt may- also ilce a Car d on pour Atrwm to another penem (an
..Additional Carbnombur'). lyre term "Card" idds to the American
l:xpna.'' Gaol $srxol W }art. all other Cafh3s Isi:xd on pnrrACarunl, real
any uhrriliniue (!itch as.A000tuit nrmhers a,d curvenleixt cusps)
with which loth may anus your AcLxamt. "Noe.' "our' and "lei ' refer to
Almtrican vaylrss CeintN)WI Rank, IN Issue -1)tar Amount.
Using tyre Card
1im none' use ;iv, Carl lit obtain gihei and s'nins freon arm' lm% m who
atapti -fit find ("Punilase(s)"). You may also use tr (nod to obtain
loans ("Qtsh Mi-xi a (st") through carious alemis we inav mala,
availal)le (tg, AN machines) Up fa the :q>tdirdhk• limits o on your
.ALttxmt. At hmr dis:niio n. we may permit yin fit Lransferbalartirs final
odxr attoitnb to roar Account ('iktlancc Trenskr(s)"). At our
disc ration, we onm• isxme orimmir mr clucks that you tin use W aom:s
your Aruuut. Each calmni nee cFxsek may he trod only by you. You
nary not Luc atntnicnce cuclo to pay sty amount y(m mw: under this
Apormera or to pay any other a(xddnil )oil h: r with its of nor affil isim
Trarsuetionswm nuke In n•ymnse klpnxiatE•xird tares front uswi11 be
vubjcu in dire- lerrm'dthe, lamination and [his Agreement.
All an muns draped to runr;(aom"'t?, "i'n lu r ity( PunhaXw Cash.klrmas,
Maria: Transfers, convenience finks, annual ltis). if any: any inrauns
guarantud by use d de Card, Wier fees. at al any Rna or Cfiarkrs, air.
'(:hargts." A amverhlence dark that we idet:t't' as hiving been milk
payable In rash In you, or to a drank, lmkeray: or sitnRar asset account
will be treated as a i:akh:ldrance. Any oher(Ummiaxv (dusk andlor a
Balance TmnQtr will be tantal as a PUrdhase.:xa n as otherwise noted.
If tat make a Purchase or a Balance Trulsfcc or use a ar ivnkixe
check, drat is gsntrmd by a pmnutional tTer from Us. tit Charge will
he iia-hadli m a Promotional Mance. unless •.r notify yuuahlarw•ise.
You agar not W let Any person zest a (hod ew;n a (ardmenmb'rwhose
name is (n it YOU agrte• W r irifI as if the Can: is Astor sullen, uryoo
ubgdst Ilwl k is lying Used without yxrpemhititm. You agree Io toe
tie Axone only for Purchasm, Cash ALkance. or Balance Transfers dot
are lawful and ale len)dtkd under this Agnei,cnt. Ri• may issue you
renewal or replacement (anh lx fore a prouc lY IoLxd Cam eeloinc.
If you of an,Wditionad (ardtnnilt•r a diode a third party to hill
CliargL•e on a mcurnng basis to iutrAccount c "Recurring (:harpeh)
tit may (but an fall nquirud to) provide well LKIM paq with your
cori vm Acacnl status. (end nernther arxl'ort7litraliun date to permit
that Binh Iraq to andiron billing your Aumrt We Aral, lake larch stns
eon if )our account number ch3n;rs or if we seta: a reirewal or
aphtementCad toy u or an.A(klilleud (atdirrember To withdraw
authuwtiun for a RrcuringCharlie, you muv notih• to third party.
Annual Fee
The annual fir is iiS mhlem poi il¢ihaw-an Ain rican Expnas
consumer lkdd C, A, Platnum (any or Iinmal Cad ("Qualif}ing
Cher yr (:and Pnaluct") that has an annual fad in which case there is no
annual kv. lla: annual fox for the Cold Card L M5 unlm rah h:be a
Qualifying Charge Card Product. in which c>•ti the anmral fix is iN.
11e annual fax for the I'IALlnum Card is $135'anitm; ria haw a
Qualifying Charge Gird Mid ct in which case fix•annoil le is $111.
Credit line
.A phm,m to lair credit lime rnxi Ie available t, you for Cash Advances
h:p ha you Ca h Ah'alxe limit Ac nray, :u sin time and M our wk
dbaeton,increase and/or daaoasci?urcr hocaid(adh!tlana
limit We may limit (large at an automated lkr nichi a I"AI:YI') W
diek%wof(Datotal (aSISMinanyX+Lir nycri for Classic
Cadit cmnlnxmbcn, a total of 12,500 in arn• whtittlay Lkritid fax fiod(1
Canlil Qwdrnermi rs, A total of S.iSOH in Any- . nn lay period for
I'latinwn (ardit l:anlnxftibcts ur (fig the rani tiring anaunluf de (ss h
.ALbvrxt limit tin ruur.AraxounC:ual wt :air ihrpsc additional limns al
oursoled{s letlm (Ire miditinn hr any ltnns i:rrpxuB in, deNIV's
(Avmr).1bur hilling staliniens will slaw yuurcr die line and Cash
.Aclante limit and ohm unused potions of rxi, lineanl limit asof to
vaknrnt slat. Yiu aymc hm nhariagse ytnrr.Aax- art so thatyvur 1+alan
farCash Advanes (in ChAding l es mid Finmha•C,harga)cuill nut sated
etc (hall Alan x limit and yuhruytrall lalaria(inclhiling rocs aril
Finaria lliary7.a1 will rot csttxd yonratdit li.x. Yom agrve to lay us.
muhxdiatcbupm reysitst,tic:urxxamtdrnyhalstur.onyuxAar,unt
in macs od nny 3ppbicAlle aatit linear limit- we Mere the right W
tktlbr any ausvrpl d (large, nm if the Charge wall a(st cause too it)
ward yrrr audit line orbmii.
tts• xm not rtryxxixible fur any krssts nr eerier mrseymens if a trus-
ataitm rm twoA[oxml ino sppmtvl for ahg maven, teen if you her
ultra rend audit 21•Ailable. FkCtpl as olhxrwis! nrptind by apgdicabk law,
st: will on Ire n. tosible a any merdhant refaaaa to honor the (:and or
for sit;r other problem You may have with a ran hand.
Promise to Pay
You premise N/ pay al l Ovarges. including Charges incutmd by additional
Canlininbus, nn tour Amsunl Thic uunbt IWkid eq any, Charge for
which souuranAklitionalCartimen ter Indcakdan intentfit incur tdt
oi4, crtn if yore or the Additional Cardmrniber hale not signed a
diariye (unit or prewnted doe Card. You also :Iumisc to pay awry Charge
iheumd by anyone thatyot or an Additional cardrneinlxr let lee the
Carl, erode though pm hart agrtvd not to ei ammo: the iuc the gall.
Status of and Responsibility for Additional Cardmembers
Additional Cardmendurs do not hiss armhmtswith is Insi.-ad, they am
obthurfrad ttuurs un )our Account, and the teams isurnl W dean may be
cattalkd by }ou or tic at any Amu. Ynu morn :atih• u W rovke air
A ddiliunad Caelmat11110crs pemhleejon 10 tae your AWWAI. YOU are "TAX1-
Able under this Agreement for al I tea of your Account hn• the Additional
CWilnrin en, aid by ayuec6eyou or an.t lditional Cardntrrther
ks use the (:ere( and to Charges they hoar till he billed W you. You
haw drs nrpmsiblltry urn if you did mA mend fm an.Additional
lin;mtmltt mother Iron, Io rise file (an{ for am transactions.
An AWitional t:arthr"nbt-r is rat liable for barges inciinal Icy the It:sic
(;minembtrabeWarAdditional(am cndimIkrwetetIt;-cachnee
lathe Additional Card to incur Clotrg(s, t e Additional (anknlard er
indicate his or her agm rcia to pay es for the Charm if you fail to ur
refuse to pay it, and we max w our dbotihor. pursue Additional
Cardiwnb rs for payment of Charges dry iuarror or uhor0r. You
authorize us to provide Amount information bAdditional Camnunbers
and to discuss the Account with there.
You agar to mti fy each Additional Cardmemlxx at the little by or she
beconxs an Aditinnal Cammenbtr, that wt may, noun, record
er,chamge and hse haom)adon abut hint or her in the same. manner w'e
do with infunn pion about Nutt, asrkscdbod below h) the MNSUMEK
REPOICIS. T14E19I NJF. NOWIT)RIN&TKC..(RU)IM. and
SU51'I.7i510N//:iP(CIi1jn( Nsecuutso of this Agatouni.
Billing StatemernsfMinimune Amount Due
You mist lxa)ly tb bnnxdlately of airy chmgc in tx• mailing or e-mail
addrtu to which we sued bilhhgsakmcns lr notices that a billing
StawnioU has limit pebkil (Milling Address Ifsom wish a Killing
Address change fu apply to more than one account you maintain with at;,
you must tell la You aim that we may. also a'dalc tuurBilling Adilm if
we i rtht hauiixdio n dial your gilluhgAddrt¢ has clanged or is formic
The "New Balance" alytcars on your billings:atnxnt 7'o detennine the
Now Balaxt, cur begin with the outstanding balance at) svurAwrum at
Ili begimikig of each billing lrriul, called the "Pn-0o a Kalana" tin to
billing sualemml. a'e add any Ch Argirs, subtract any endfs (w paynknts
endtuy as ((that billing period, and make other applicalik adjustments.
leach billing statement will rufitri a Minimum Aixmnt Due. payment is
dux: by the it me and date shown and In ale manner prescribed on the
stakYnenl. lib ahculslc the Minimum Amount flue (which will be
founded to the tx_••esi whale dollar if guest r thin S15). we will arld
Wµdurt the folk ming!
(1) anyarwilltI Footle;
(2) thegrtatercf
• Ili(hhif file NcwMatixunpxirhi,:ingstaenran(furparyxuts
of this adulation wt owls d• favm t:e Neir balance am over-
limit fay added to phirAaa,unt dihrigt the billing Ixriuti),
• tecuntmthillcdFinance Chmu-n;,or
• 315(ordeNew B-Alxnaif)LSkrsthat $15);slil
(3) any(Atr-linttfoeaddLdiu)ourAmtunt,htringthcbillingpcii(xi.
(3) .uuxquiun,late mayalso Includi, fit fit- Minimum Amount Dire all
or part oaut eri'us =neomd (curing lie tiitling period and any par
of file KLw Balance in acL-6 oayo r ent a line.
'Ile Minimum Amount Due will not uiaed the Ntw• Nalince. You nray
pay note don de Minimum Mount Doc, ire W the LAVA: in Wmidhng
Walter. -,it ahy true Any inr(e5c urdcereave in any Daily Periodic Rate
may, lncnA-vLvdecitas theamount dyvmr%mmtmAmount lkx.
Payments
All payin rhs must he sent to die paynxnl adlres shrtn oil tvor billing
sakalxnt and must Inhale the ntniumaampun from your hilling
staknxent You must pay us in U.S. atrtenc ; with a single drift or chock
drawn on a US. bank and payable In U.S. dollar, or with r uXratablc
instrument payable in US. dollars and clearaele through the US.
bankings}stunt urthruugh an clrlitbnic paymrnt method clearable
through & LIS. bankings)w. it YuurAcnnrrt number must he
included on urwit) all pamtnti if wt eerblt to Accept a payment made
in a focign aurreney, you autluori>ee us W [loss a unvtrsicn rate thin is
atxtptahk W us k>ainrrt }lair nrnikant inn t".5 Nm:hxY audas a
parllatar rate is nyuinad lhy law.
layntensuonfnmhingu, the above nquinnwi s dial we nteiw no lair
than die hursprifitd on your billing stalernrnt will be credited to your
Account as of the day Fmxeiyd: paymcnLi oxikinning to tire, abut
-? 1Z, q( ?
requirenientc tholue remw after die lour spedf oil on your billing
sLaleshwn will he erullwl m Yuiu Acarurd as of the fullusnngday.
If payttiurvidio nui ndacxnh lo the ny tnrials stmol ithm:cnditng nuty
be delayed. N this happas, additknal (lharpy? iron k imlxaad. We mn
anoint late paynxnK partial paymnaurxm•payiaib madad as fixing
prom t in full eras WrbgaoWnett(i mwd*k: t "IL ktiitig and
clurrights and rthilAgrentri ntor undo dit' law (kr anaputnt' der arq such
payvnu%dues not mean we Were WrhxiW this Apucim na In anyway. You
agm that an ar(epimice of suds parmra b will not rieraW us an Amod
and satisfaction without our prior ex ros written algrrmal.
"kv tu tyy liadtle lax, im aifi ry,f h• and edlocritelhu •mrrL anti
arrhiK aararg &&ana s told C,&vW on your Anima) its nary orkr
awd srrnrur add mrmm! by ru or our sale Aim pbr. In most casaL
are will apply and alkhrdc payrnns first to balance; at kwLr Aaaual
Percentage Rates ("APRs") will then to hig)t:x APR balarus. and
N }' N ase aukaffist w t a balaxc from which dive crnxpiriding
i originated. I fattens, for savking, admintoradyp. 53,.wnu or otitr
business rewns, we nisy apply' and all ease papnuas and ardits
anwng halancs and w Charges on sour Aaccount in sort other taker or
manrar that wt may determine In or suk dicatrlom Yai agree that we
hair de uncond=tioial right to tutcisc this dhaniliu Ina MY that is
mess famrdhle ur axnmient to as
Authorization for Electronic Debit to Your Checking
Account
We roastthe night to prww chucks electronically try transmitting the
an rant Of the di :rk the routing number, anxuni nunder and dock
serial number to ymr financial institution. Ky sudm itting a rh•ck for
payment, rixr auilxdia: is to initiak an cktrronic lkiiit front per hank
tv asst acmtmL If wr ptuil'ss pxu cook cltanmr:Jh. your pa}nxnt
may he debited to tvnr lank or asyi aaaaat to sans: day we ruder
name ack Also, if hw process you chuck rdectrotiallf, you will not
mr•ive drat cancLU dxrk with your lank or asset account sutemet.
If are cannot cubed the funds clocaunialli; wt nay istak• a drAft spur &I
your batik or asst acauut irr dle smarmt of Ox•chrk.
Finance Charges
Parolee tlraggts begin W aurae kbrru:lh (ysa?t• x test tk dale! it is
A.
added to the daih' balance, as duaihtd lidos: Fur purchases
(tycltaliiryy. Ilnlarhx'I'tanleaawnsunknccdnCk),huw tcnu
finance (largo wi11 accrue m arty billing Rental In which the
Prrsinhb Kalanct oh the vatenxmt amerimt tin billing prriul is rem
or a credit balance.
R. The party Periodic Nate ("DPK'7 for Purchxss and the ID'R lr r'adh
Advances an: each baud on an APR, which urn rut The APR for
Gads Means u die I'rhne Rale pits 14-9!N. A 1" is I136,1h of doe
APR Ytur I)M- and APRs for purchases appear ore die
aaonpmhying sii plennaul(s). %ben an APR changes, we api,b it to
any exiting Inlmxx stbjtd to that rate.
G lyle "Prime Kate" is determinedtrnce tith rulrectuirxh billing
IIxriuI and applesWtheenurebillingrailed.The['timeNatefor
M1idling pen xls ending in any calendar month is the highanA Print
RsW ptdtIWrd in de Ndrxy leaks see&xn falls tmswr ser tkm) of
71ir Rddl.MulJournal on fire Ill or 2tih d.n (ur, in rash case, A
such date is nut a busillm,dan; ox, rest h===i=ss Jag') uI dw prier
c:Jmtalar At nIh. If 77x• RbU.$rxf frarmrd (rats fuhtiatk n urdixt
not publish sir Prime kale on ei[herof those dads, we may n•lr ko the
Pri me Kate published in any other ntwsp yxr od general circulati(in in
New 1A New York. m we may vitistibM a similar Afere nce rate it
err etc disra-lion.
1). The DPP (and c rnyemding APR) on all bulatcts mar host tic to
the fkfault Rate If during the Rav=cw I'rrinl (i) paynerit of you
JlinimumAmount Duu is nut ndetd Iri tie Pdyxni Der like in
any two billing periods; (t) on two or nxrceceamons a paynxnt
subnriucd on ytmoiccaunt is not horurtd tin fiat pr(srnmunc or
(if!) lull owed any dedgir od credit limb on your Account that or
more tints 'lbw " Rmiew• Period" is die period, easWuting
ap Iona imatcl}'Lnc loan, u(twdtLm sitvlhvb 1ldnt4
lic6odscud=ng
with die (lasing Irate Lithe cumin billing pkrmd, render m nut soh
nrcild restatement for each such billingleriaxd If the IAfauht Rain. is
ape,lied, it willapply WyourAmxmtformicht, consecutive billing
prriadx beg)m»ng with the cunud killing potd'1'he hkfault Rat:
will nm ap ply- a arn balance unless it is higlit r than tine rate tat
would oahentli a apply to hint balance. The Default Rate is a DPR to
065'76whidh c rnspuok to an APR of 23.Y)?.
Average Daily Balance Method for Calculation of
Finance Charges
Y(h use the Aardgr Daily Ralamr method to alnrlac Floance Charges
on yourAaotnt liner this monad, we calculate the Finance Charges
on yuurAoxwnt by applying the DPR to the Attur,gC Daily Balaaxe (as
rkwithed below) X•paneh• for each balarxt s. b) ct to FSnunce rhargn.
Utk•run[ ikrlexlic MO "ray b: and for eifkirnt hataicm Forceanhp k'
daknntDPRs m3ybl: aRpIxd Wsqxhrtt balauxs, such as Pumdiase.
(arh.'46-Xim' and Prinotienal Ka writes. To gel the Anragc Daily
Warxr funach balance, we (1) tabu, the beginning bahna• for etch
tier (including unpaid f inance Chagtes farm linsious billing periolti),
(.2) add my new transactions, rklnin. or has, li) subtract say paynx• 6
EXHIBIT A
I
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4.._
'v62 685657 7/19/03 5:35 PM Page 2
or erdil cret iled asof Iha day, and (4) make any appropriate adjust-
1111211h. lyrtveebdaynffrrlbrfrrs (kgof&, rfliuX/scud ncaAn
urkl rnr rnrrrmxl ref inMrrsl eparl k+ lbrpn•r:rrer rG()-1• ekell, bvrian r
nrnllyJirrl by lFr 11101/ fix lG' hoeing r. This lotto Is IN, daily lufan i-
for :he lankular balaw hr gist day and tx beginning balmna for that
bablixc: for the next day. If this halanc• is negatim. it is ansidcnd to he
um Then wt uW up :dl the dal h kaiak s hr each bat ann fir Ux
billing period and divide the total bythr nundrraf Jaya in de billing
period. ibis ji hs to At rage Dally ItalanAOT that balarm:.
Fur batatras exalts (:ash Advaeut the Avc* trial IY Aalana• for s
billing pvied will be ansidertxl in lie rrm if you paid the Nev.' Balance, if
ahn, slWwn on yvnrpnvioets billing penod'a Akenxnt IH the 1'aynntil
])tie (late shorn to tut stak nenl. If yxsd maJtiph' the MLragc liady
Radiance far c:wh balorri by 0 w number if days in the billing lxri(d mill
die UPIt fir that Its lance. the resuh will he die Finance Oiarxe asatzsei
rat that halshra, eraxyt kr tarimkns calhsd ir• maerd'mlt. The tad
Firem a (hargc (odic billinglseriod iscalcidaittl by adding the Fnann•
Charges asassa i err all batanas of the AcornL IbA;uM/rvl of
arltarlnlinX Hr•.uxm,;r 1 Arih•lkrirnuuund h)ranrrr f?rrrAr rrarrll ••
in rGrill arras/aurnrlinc r f /•Yroxrcr L)Arr(rat Unity tnt• malhan dical
formulas which paducs upiivxlont asnlh W cdcalak'deAverage IWIT.
R:J:uhce. }'aan lu Chmnr:, and related inaanh Furexampic wee may
utilin enXatkrpnpXam,urud rtunqul as u it naahaisthat are
(ksipnl m pndua matxanaUcallyttpritalcnt rtitdh whik hsingfintr
anL•?r simplrramgwtutiruul steps than mreduailhd in Uhs l4gaxmenL
A( our (fiscrctkrct, wee nnaY trte;ltxk! certuh mlydorid•s of nkJiil IrnrCV11Un?'
ur fe.. from due calntaian d the olaily IxJatos lktlas vw: clot w th • a
lausdax, wee add A (hargew dv: daily Wane, a follow U, slid a hash
Adraexle (r I'nlrhax: W tic olrpngrriaidafh balacc a d tic rlax d
rLiliK%turthetm wtfut(bIkontheHalingseaemem.9kadda
c nvebintx check to due approprlax daily bating- as of de slate of first
,ILIKAiL We add a Balsar Trwriitr other than thnuyrth a anov.knu:
elx,ck it, the appropriate daily balanc as of the dak• of that rifles,
We addles ieFinatreChirpsk)tlxdafhr:dana•asdescribedabum
We add xW uther (lnargu if) Ux: algingtriae tKhr balance as of the
date of Ux Imswifun.
Pori ilic Fin:me• Chmyas an addd it) ilk, caut.landitigirdance at the
ehvl 4 the hilkng "tit fir which Finance (:Longs are calculated. In
ins sikih billing penal, vt<wilh impost! it mrniptnnn Fleanuu Chakitc
of $0.50, wltwh will be addd to the balance with the highest APR
unhR fur our ou nu)teI rc and in a r soft, JKrIfon, we chase w add
it io a haolmnoe with a lower APR.
Late Fees
Wi: nay assw a We Fix if apaytrtrnr dal k•ast die hiininnun Anwum
Dux is IRA cndRtd to yvur.ACwunt la-tic Payltrml )hoc Dar. TTe
snwuni of the late iYa: Jdlx:ask on the mnwemt d tie Prtsiom Ralava
on the vmknxmt sue which Ile LAW lim albeArs, as fellow"
Preamrisy 1k tar 19 (Yf
I.ts'i rhen $ Un 515
s 101) to i I(kX) i29
(;mawilianiUnk) Si5
Other Fees
Wit may chair dr fufbtwing fat' w yernrA.xuml subjtc; to
apld'n due law Fxala xi rteAytip nacl, ties: k?s will lie mtkk,l
to the I'urrhatse Badana.
1. //itfo!innrtrll4ninenty-'We rmeycharW A tee at tit) wirrivrer any
clri,ii,similar iratnnhent, achxrunir payrixnl adder that wx• wxkv
as panmunl nn you Amorml is )col haroral upon first prtwmtnamt
if it Cud is pn:sente d in connection with cardting m deck a1 an
MrricanF.xprtatTran•IStnim Ofricecrtelieraudtorirdlauhm
and riteclus9kisnits (t'%i,wemaychary!ahLof$29•(ski:wi)l
also add a l:h:In;t• w Ile gads A(hanlt: Ivdorhtr d you Aoruvdnt fn the
amount dllieehu k that was not Iwnumil.'
2. r.'rywi of:vlrrkmnrcrarnll.YrannfrsnxGYr?fr-winh;xchargua
Iced S3 but nch billing period for welch r.:up)• of a billitre slaurntril
F nql; steel. and kurcwh n!geam fir a copy d a crntimienx' dirk
drawn (sue our Auxbum. W: will not than} this fee for any ngnst for
a «qr•d am•dthe hillingtitakarxnh (ado three Mllotg IWnt;&
Immediately prior to the request,
i.:lanraalHtlyxninXFrr-perms charge:.re-q,ening6c!S2SJ
our Aav nl iscanmikd fa un• mean at ?i wu ntpk-it
rebslakinax and such rtquu15 hunonrL
i. Ifxre 1Fmtfcr -1Yi may o9targc a (ce d $! S o:tdh time' a win• trhnsker
from ytahr Altsant is ininiatd and authurir d.
5..y/cJ? %'rrlnrnr/ Orrery-We mac dwrge a fee d 529 dada fury car
m'aivc a nrjixst In slop ln}an:ra tan a dxxtwrhierxle dhea.k Jrawn nn
%imrAciamt.
F. (hrrdimn!•'nt-tG$ may chirp: a fa d 3'-9 in each billing Ixriud ti
\cw Ilalanmuh }our sL- xnxnt cxanh ytuurrndit lire-
'..0woournreC7> 1.yrXe/IiaGuux7Fmrxler7frrnvaXr'rnrFir-
lie may change a IrAmadlon tae forewh Balance'0ander and each
nx vetrun r cha:k drawn of truer Account this es,. a FINANCE
CHARGE. will be iM of dte Anvxutl rASfemd, wilh a minimum d
Si aid z maonwm d $SO.I'his fay will be mkierl to Ili same Porchar
or (calk Auk:ubc: haL-car as they urrsi!nk:nit• check tramactiim or
Wit-! 1'rn4e.
k AM Tn•-wc wf (I irony: a km loch dmx a Gard is nod to ohtam cash
ur am Daher senicx form an AT11.'Nsi ftr will lac A of the mnunmt
tdthecoltwithdrawnonttherwe iosobtained(incioalini any
additional )m imllosed for else tf dx• Al>f m• its of craknr), with a
nunfnnuniii$5.'rhiskrwill tvadded wth Cash Akharurhalanat.
10M.ri(i'
suspensietUCancetletioo
In addition to anyother-Actfwnsue maytake orderdhb Agmclimit, wt
unary stipend a coral y,nhrAntannt or am• Icawre olfenil in cuunatin
with your Amntnt we may redwe )our cad:' lix! orcadl adrarra limil
(including W a level helowyour outstanding lwlanti ), andlorwc may
s ,jicr d ora=l die authonratfnn of any Additional Grdmen b r W
make sharps' to your Ae evunl. at our sue dhxresion at any line with or
witfrxricnuu, wixtfxra rxa y,xnrAauunt .s in tklaull and withum
giving ylo notice. subluu to algJlcabk• law. Any such anion on our part
will not curcel you oddtgatioh to pay all Cdtagts der on your Account
under the terms of this Agntrorcnt fn dkv ar, the time d vch action or
as sudra'tpamth• arrcnkd and you sgm to pay en all such C:hargtr
drspl4 any suac attn. Wu may advise third f artios who asps die Card
drat de (and (s) issued to you and/or Additional Cludaternburs have been
emc:lld. If x cancel dx' Carl or ittegdins %a may no longer Im it
and you nits, tit," it or serum it to is tot B we manse, b a IN of piny.
If yak worm to caned tlnu.(ttvunt ur any Additional Carols, you ntuA
notify is and destroy Ole (tend(s).
If wt alga: w alrsuur Mir.."nual afar a c na-Ilati n. the new Agusneaa
we, send you (tar, lfwe du nut surd pbu a newAgrouernt thsAgrtt meat as it
may lie aneri ix) coil I gdmau your aieDlskd Aemtml. Viet) 1W Id rest*'
,our Aoonxx, we may rtinslate am Atkfetiatta o:arbls Irsud in aamceli n
%
with WAIT Account, andbill Miticalgeiwabi minualfe-Ist.
Default
We may eomsidkr yvur Accuunl to be in deft ;his ur time s7 you fail W
pay is arn anu in( when f! s due, or if you ha-rch am utter pmmiu• it
ttbligslfnn ntuler thk.Al UCITMIt
Suhied to applicable law, we may also arsfdu yur Awwm to Ix In
difwk at arn ti!tc if anysuionLnt ma(k by _n u w us in connetwn with
this knotted. or any othercnsfit pntgrain was fala or iiIA-ading;1f you
breach any yawn roroblig ran unlr any u•Ser agrtvrxttt Ihmyou
may)w%ithlnorwith anyofouraffiliamv 9We Mc einformaicn
indicating drat you am banltruld, interd to fad Itankrtytui:or are unable
wpayy,mrtkfuswih vIxuxrv due; arw,astireinf(rmatknleading as
wcurkde drat nun amutxr+vse nxcroxlitw•brtw. inualuatrhgyan
eaelieaurtinea, you agree drat we nay rat yon itrfonhution contained in
c rtainxr rtpuM1s, and in our ikundkin we inrypmdder the:attdmd0 of
Jt•6t you us, carrying axnpamd W noun nsuunxs tar ads ul)xr dNwr
coda charaatiisuo, regardless djmr performance on this Account We
man also oc sa) ryui r Aotviont in default in _e tsmttrf yvdedeath.
In thet+tm dYour detault, at) subject War' limiufiurs or
aspdtenxnsd:gqdimble law',woerosyrelu:mpoynrm. fapurtiund
your oxistuxling hslarce gnakr dean dre Mininutm :4mborY Due,
dalam Ole entire antwnt of your obligaliats to us imm ethalelydtx and
lr4:61e, and/or sided d orcaoirl yxurAccx)wl and/or am feature that
may be offered in uuntaln with Ux Accu utt You agar to pay all
navm:d)eastt inkaling mavmslbk annnali kxs, iirurnd Iby ors (I )
in cor atilit i with the eulecliun of any a aauu due on your Accuum,
wia aher or not any arbitratiwt, litigation. urimidarproceedin6% are
imliakd; and (2) in seasuhalJy pnokuing an selwz (rtnn aiy) ?c
hart, a risk rJating io any default on yanr Acmiiii.
Traersactions Made in Foreign Currencies
ffvortirrt!raCwlI in afoniMcumrcy.d•.willht•entxyialinto G.S.
dullarson due date it s pmnutd by us uror aµrxs Unless a par icuiar
rte h mpeiad br applicable I-mt: yon aulwrzc taw w thou:.: a cormnion
rate that s aeeq»able to as fa' that date. Currently, dal: ouriwabin car we
rtst- for a (:harper in a foreign crrerey is iw greau than (a) tie higbrst
offiJd conwalut rate published bya knwerrnxnl agency, or (h) ile
highest interbank c mursiat rate k6lifud by tsfrxm cus urman• dunking
auras on the mmmiun dal: or th• prior b.aftxss day, in each
instare Increawd by 2%. lhu co nwersion rate may differ fain ran. fn
cRitl car tM fax dyour (bongo. olargummrrkd Iresuldisbnxns
(such as aidirxs) will be bilkil at die rates atlch tslalttslnienis use.
Benefits and Services
Subject to alitAitalik law, we have the right k• add, modify or d 0ex any
bcrk{il, wrvhx, or Feature that may rnnilesay your Awrant at silly
tnx add without naive to von.
Arbitration
lirgraw: Thh Arbitration Pnnision aCS info due eimwosursom and
procedure; tit Filter which (1thris ("find lxk)w) may try arlikraud
ilk" of lit igawl in mill.
lqanirdnu: A, dsd in this Arbitrator, rrmisiat, the ternn'•Claim"
exams am• Clain 1, diXrule or nmw'dw bm%wen You and its, arising
(limn orrttadngtoyourAcmunl,this igve tnltheF.WrunicFunds
TraaduSeniuuAgranxn),;udanyother relardapriora Fiend
that yyxn may love had with LxS or the afaWnships resulting from any it
to alutx agreemxnts ("AgnUnenlS" ), including die yalidih,
enfortrd9lity tar,.age of this Adiftradur Prenniu n or die Agmerneni.
ForpwpminIf thisArlinrauugh Prw6ioa-}o d" and "es" also irclmks
aunmgxaax parem, or wfx)Ilyor majority, mind suixidfarius, aTiliaks,
soy limn ees, predmiessom successors. aediph. any, It trichiiser if any
accounts, all agents, empltytts, diraaurs slat apnrcnertitvs of ahye(
Or kr%ping, and other fersxn mlemvi to bo: awv in the definition of
"Clain, "" Claim' mduiles claims deitw kind and Into e, including
hex not liniitd to, initial elains, munraelsims, cmv-claims and Ihlnd-
pam' claims and claims based upon eonlrael, vas, frond aril other
Intentional tons, vaunts, regrJalions, conmxn law and ayufty. "Claim"
also includes claims by or againi am third party using or pnrvkBng Piny
ibmdtrLSCnfn or benefit immnewnlun with any account (including,
but evil limited to credit bureaus, third parties who ataln de (ant third
parks win star, pmrvide or participate in f rbrxd or fuse benefit
pmgrans, tnradbhxnt,emus and rewards pnbgrans. enrol hiamanc•
enyunka, debt eullrcwrs and al 14 their sj rrati emlAnecs, directors
and refarwitants) if and onh• if, such thirst party is nanxd as a to
liarty with you m its, (tar files a Claim with tr agdmt )a)u or tA) in
cvnneluxI with a (faint aswried by nn or is against die other Tic
xrrv "Caim" is to be giwn The htmdad pmihk nittning that w•il l Iry
tnforcod and Includes, la- way, of example and without Ihmtalitm, any
ckwn, diryxac or mnlrrs am-ihat aria, from or rdaks to (a) any of ale
a etinsere" under am of the.. Al regiments. or arr• Indances on any
such acawunh. (b) adrenlstmcnts, promotionsor oral or written
stauamnts rtlaw to any such =)Itrrls,!,aruLstar anim f rhauxd
under any of the xcmuntsor Or ems of 0runcing, (c) the benefik and
maces related it) r',anhncmh.•rship Onchrding feebaiml or fay Iserehi
pnripams..nmlhruit arviax and rt%an ; programs), and (d) your
application for any account. Yk shall not clan to use arbitraikv, under
the Arbitration Pmviskm for any (claim that ym pryxrh' ffk aural pursue
in a small cWr s axul of your state tar municipality so lung as the Claim
is individual and lcdxbngoniy in that court.
li ildionV.,irlurra/imr 1Mwcedurg1.V•frrlirw rrf.k/rrnriJROnr.• Any
Claim shall be resolved, updm the election by you or us, by arbitration
pursuant w this Arbitration Pntvisiun and the code of pr udums of the
national arbitration urganbr• tion lu wfiidr the Clain 16 nitmsl in effucl
at dx nitre the Claim b Bled. Claims shall be aloud to either the
National Ambitradun Fumes or lik-NotrLzin Arbirralam
Awiciafon ("MA°), as selected by the partly, dating to Ise Arbitration. If
asdurtims IT to done of these o gai!iraliuns is i ma tiFIFI le to you, you
shall have the Fight within .11(i loco Ar you receive notice of our clu.lent
to sclext either of the dherodgut'vatiors l(+wl to vent a; arbitratoo t
adminslraw. .. run a aspy of the p ice*ws. W Me a (liim or lot other
information Abrion thud organizakns, contact them its follows
• lux: NAt' at 1'0. Box 50191. Minna(wlis, MN ii*t
wettsite at www.arbitration- kmrmnnu.
• JAM5at19220main sun:l,StIiie40b.1IN)lo lei,(%s9?bli;
wtbsk: ww. .Iamedcmm.
• AAA il335 Ma icon knot. New tbrk M' 10017:
wetbsie:%*w.adcorg.
S'rgnifrarrrce ArbiY*jn:IFARBITRATIONiSQRt;FNIWANYPARIT
wi*ni R}SIt}1"rll) A CIALN, SFIIIIER Y)I(I NOR 1t1S WIII.IIA'F; Tlili
RIGHT T0InIGATE nIAT C1AlS1 IN COUNT OR I [AT. AILIKY'I'k LAI. (!N
11UT (:IAI.N, (M T O IL4T. TIIF.IR (1A1M5 R}_ti01S1:T) }J((EPT AS
I'k(A IDFd) MR IN TIO: CODE OF 1'R(C:Fl)I!RFS OF'HIF. NAL )AKS OR
.W, .AS APPLICA81.E M IE "corm..'), nixnim, Ytru AMI wF, W1LI. Ni rT
IUYI'MII, RIGIfrTO PARTICIPATE IN A REI'RISI•-WI:ArM1I': txm;rIT
OR ASA HEWER OF MY MASS OF (IALMANIS 1'1!(IAINI.NG TO ANY
CIAIM SL'B)E("riD ARB)11=ON. L•'SCFYFAS 57:7 PDMIII BEUYW,'I't IE
AldinuAlTIR , DKISION Wit(. Bf•. FINAL ,ND RI WING NOII' M IAT
OTOER RIGI Ill Ill LfI' YVO OR lit: WO(111) I MY It: YOt" XUNT'11)
WORTAISO MAY Wl' Rlf MILIUILE.IN.ARRIT RXI'ION.
Rwrtaksar on An5draNnr. If citaerjraFly dads to cmitve a C.Iaini by
arbitration, dealt t:taint shallhe arbluaTtdon an inlividualbtsis there
.s All be cur r6W err ar/hrrirpfrrim), (laimr An be tabilrutid on u
Jars acntnr bass or on boas irnviti ft r1abler lwdigbf in a
pit r/orhxl rr(xaer+(rawa p idty err bdrr4(nf&A40&Wd public,
otter(.ndmrmbervorniberJxnnnr.xrnieely.diualid Ilie
sdiitraux s audwtrity h) resolve Chins is linTiled to Claims hctweeri yoi
and us a1mv, and this, arbitreun's authority, to nix6.-awards b limikd to
swam W nu rind us alone. Furthermore. Claims brought by MI against
ts, of by is against yvu, may, rnot be joined or tunsolkLdtd in arbiratim
with Clalnsbntuditbyaagainstvmxxneother than yet.I I nla%agreed
to in writing by all parts.
Arkirriior ftishurm: Thb. Arnitrarinn Pr,aiskm iv made pu u mil w a
transaction Imo ring interstate uxnmera•, and ,ball lie grrstnxsf in tine
Federal Arbitration An, 9 U.S.C. Sections I- IG, -.is 11 m et' Ix a inended (dIe
'11e arbitration shall be pcmd by the apdiciJ,kt Caxk•, except
that Ou the tawraailoraablc under IN! I:AA) doh Athitratun I'rutisfun
Jnadl mewl if it is inatrrsfskent with the ;grplicabe CA,. llx arbitrator
shall apply apldirabk: subslanlim lawmrnistenl with the DU and
applicable Aloes of limitations aril shall hxvvclaids d privilege
nxaphird at law and A the Rr!x ly rcquestddther party, shall pnsidc a
brit written ogslmimi n of the bA for the dcdsiun. l lx- arbitration
pnaxxaling dealt nA h gmtrnd by any fiultral tar state mks doisdl
pnudwe u rules dt ideas. F.*T parrymay sunbmit a requcv w de
orb trots rorxliard Ue scyx of dietxt» wider dx: alkplicabc (!a. '11t
party'subtniningsvdh a nays!ui maul pnniok! a exg)y W the nthdrpam;
wino may submit objecliorti to the adhRrala with a atlas of the ubjraiars
proyidul to the mtpasting party, within fifteen 0 t) days of roxhing Uhc
knitmsting pony's nxiee. the gnndngorden till of such a request will be
fn tht! vile (kscniion of the arbitrator, who dull rxafh the paniev of
hiAcr decision within twtrm (20) dmi of the ol*'a ug party's
suhnitdm.'Iheubitralurshdltakcn^rvxtahkvclwWpnattw Ili
prhay d irdividuab, and oil btshrrst oalkrs. ludgokru tgwn de awrenl
rendered by the arbitrator may he entered in any curt fu,ing jurivlictkm.
The arbflrakri decision will be final and boding, except kr ar' riglit of
spiral twin kd by Or FM Idnwevux an' piny cart appeal that. aw ril to a
dine-adtilrara parcel administered by-the rime adhitratk,n orgamira!ion,
uiiich ,haft consider anew am aittu of the initial award dtjs tl in IF,-
it. jjl;ahngpsa).11a,iggaalkLit party J.11hwrthirty (30)daysfrwn
the dad oaf entry of the%mitten admiration vin rd to na* tie arbitrdiun
urganirdias that it is exercising the right of apium] The' appeal xhall he
filed with the arbitratkn&l;anfzdiimfnthe&rmdudaWlwriting The
arbitration organization will ten nafh• the otba party, that the award has
been ap AILKI. The arbitration organization will ARxiinta thmc-
1v62 685657 7/19/03 5:35 PM Page 3
urlutruhurpand that will anal xt all arbitrr(inn punuanl to it. t irk and
iisae its d=,im uitnn one hear aim! id twtn(y (12) d:gseithe d:nr d
the aKellmrswnoen maifi.llv:dcisiutt (ddxapairl shall It by
majrxir,: mk•oid.dull he Om1 and Irinding.
tarrutinn frf Jri1t1rn7rrln/Putrnrrrr ff fers: Am aritratkah hearing dial
mu au(nd sh:t) too: plate in the Iakral judicial detrks of yuI lr
nsldare. Y'ott will le ttsponsibz for paying your Shure, d air, of tie
arbitnniral Ites Urcludingfling, akuinitaraliw, Ironing taVur,thcr
iaiii provided la fir (Vic. k, to Cxkm drat stidl fees do not cuxW ffic
amwnnl d de filing fit. sou would ha+u kuvrrrd if t e (7ainh had been
bmuglilindrslamor(etA•ralm?rtekbwstkmysnurbllingarktns that
would have Uu,sdietirot oerde (,him V& will Ir aslxauibtc for paying
the remainder of any arhhmiur. fax. At your writlcin aqu t. we will
culslder in goal tooth making x u mpx nary alyarhcc d Al rv partof litur
shamaf the aditrukm kits kr airy Chum tier intbatc as o which yflu or
we seek arbitration. You will not be aswsced arty adutrativl reps in excess
(.i wxu sham if ;s a do na prevail in any arbitration with is.
LinfO,uvrMur: •Ihis:ulhilraliom 1'nnisi n shall %unix 4muiatiun d your
itcumnls as rdl ac volulL•vy paynxnt d trAtitiutl hdatut in hdI b-
ytni. am legal parceling In ytv ear us W c llca a d to nwe d Iw fx• olhte
ally banknyae: bit you ur ere, am Any male by us dwhrAmxru (.and in
therxdsaE as; mhsshdi apllytothe bntrdanyufyourAaaml). If
e}xnxd ire Lld a unaddrn?hk
any portion,f thm AAhirati n Ihuisltm is
anek:rathp principle ur pawiskn d two equily, it shall rxA Incal;dae Ile
remaining pnkxac d this Arititra(um provision tit due Agmemxnt each of
ulii:h slid! leahkior-.6V n:ganllmi of sord, tnv^.dldty:
Waiver
tturfaiI Ise to t%acin any of or rights iind r thin Agrecmem.our de-Illy
in eduning arr,f our rights, or air waiver 4 Efur rights uh any uxea.'iem.
shall not anutinm: a weiw:r of smil rights of h any admr oxasja h.
consumer Reports
You andloln: Is to mqusi arnsunrr nfxAa Plait you, to make whakxr
credit ininfitptioro we dam appsupriatc. to obis in and eyAung a any
infunnutini wit may nnht from consumer r1m115 and odxx worts.
and to use such itform:tkm for any, orpsum subject to appllcoblc law
You audiodw its to fumislt idomnatiom concerning your Acclan it to
co stimcr rlorting apXncks, or nxixn. stlblect to apit!lcumle paw. If yam
lx•1luc maim nation we have furl Ind almul your. awill w a unsi ncr
nlxhrting agerry is inaccurate, ytx I dwuld write to Lm al!)Unerk-in
FspM19 Gall11112mau Itralt P0. Pus 797, 1. Pl. laudcnlae,11.d3.i?}'11'1
a ixt Reunify to sparif c hlunuati n you befiew its inammrair.
You are taw by notified that information about your Aramm that may
have a Ixgallve impact ore you credit natxd may be submiucd to a credo
reporting ogency if you fall to frd011 eh terms d your credit tdllgatio s.
Telephone N onitering/Recording
Yon agar that from tim c W time w mane monitor aral'ur record
tehplhanetabsbetween you orAd itional0rdinumbers and us to assure
the quality d or aalotier sxrvitx or as rquived byappiiubk h w.
Use of Card at federal Government Agencies
Am rwan Fogel, has entered into wntnts that enable the Qod to be
aatpkd atart;uo fakral government iiastcia and dq,artme ts;
("Alg reek's 1. As wadi Card transactions as c nnxrdal esiubkcmAm+.
when y(udinowoIiivxar(ardatah.Ageocy,ocr ernChawihfonratin
it runss:Irily colktatd lhy era. COmrge inknnalon from (';std tranlsatlas
at AA41cim may he used for processing Chains and payments, billing
and collations icliviti,s and may be atggregxr. d for mponiog. umdnis
and marketing aetirifits..Additional°rtxbdnch u efChartirinkir-
nudtmn by Agaxies am poblldlul pirlalicalh' in the fakral Hegeam
Notices
Any rots: given by us dull be devilled given •:• hen ddusiled in IN, I I.S.
mall, postage pitp:ud. additsNA to ynu at the iak'A Hulling Atkln_.s
shown un air nrunts
Changing this AppeemenVAssignme:n of this Agreement
We maydanW the tams it or add rx4 emu to this Agmennnl at any
tine, !n amnkmc• with applicable law. WL tray alply any dma h al or
new emusoanythmysislingbAlarimsony,w.ka w.kazunt as well m; to
future hatincts. Wt• ratay al., all, transfer a:.isign thisAgretarxanl J1d
flw Aaxxmt al stn time wilixxt notice W you. You may out sell, assign
or trrdu ywr A,marm w any of your diliga:4ans urxlerthis Agmerimm.
Assignment of Claims
In the vvoil yo, dispxtic it Charge aid soy (audit your.gxm,unl for all or
pawl dsueh disputed Chnrpp:, wa.. uuu iaiieAllvwmed to, and yon are
atnoniaticalhdarnelo mignaidtransfertlbimarerigltsandclaims
(excluding tat chums) died you haw. had or may hale against am third
party par oo : inuunt ur ual it, the amount eat credited W your Acrotoil
Mier wt make such cmdrt ytxr agnc th:t w•hhau air a,nsent yon will
IAt ptIMlr any dal In against or r init umi era fnxn such third parp•
for t w action drat wit credited to yalrkamnt and dial you will oabp-
,ralr with nC if wit deicee W pursau de IN rd p-ny few dx: anmoall crapped
Applicable Law
lllis .Agmnicnt and yourh-cfhwtt, and all qucvuus aova their h:galin;
enlunudxllly aril interlnlatitm, are govmual by the laws of the Soar if
Mall (witxxli askant to menial lidiwiples of ctmtlcls 4 hxv). and by
applicable krltral law. Wt arv loctxd in Utah. hold wmlr Armmunl in
l:tah,and enleM1d into dw, Agnt-ment with you in Utah.
AMERION E.U'RM CMI.RIOV IIANK
David R. Fink n, I'nslderaATO
TO AMERICAN EXPRESS CARDAI MBERS IN TIIE
UNITED STATES AND ITS TERRITORIES.
YOUR BIIMM RIGins--KI'FJ'THIS NOTICE FOR FUTURE USE
This nixie contains Important hill mnaGon ;dxmutvar right lied ov
a•sunAbIlitics under the• "Fair Ctedt Hilliup ACC'
Notify Us in Case of Errors or Ouestions About Your
Account Statement
ifyapthinkyalntaum ilBwrungoifyai-admuminkinvirtiultabort
it valuacliut on %ixlr slakmmt, write ms on a suparatr shit tf papx at
der arklrto• for billing inquire-;lied rob ywr slakmenL 11fitc to us AS
sooo is IMiibk:. At mw hear from you no later than 60 days afar we
sent you the first statement un which the env or,mflhmu pl"Ittd ku
can also K-k- lute its, but doing so sill aid gimme ywr right.
In wnr IdTtr, give m the I(OCTMhg ludmnnallan:
• 1lnunamu and Account number
• 1hcAullaranmuur++fdlcsuyxsaalcrmr.
• Ikxrib?tfr mmrand aptaln,ifynuan uhlryoubclkvillemisan
error If you need more IltcrmaUrm, d.•scr:ht the it rn yap am riot
sure abo d.
If lul Imr;u dxxind us to pry you Amowt shaualxra automatically from
yam skrings, darling or utxr a ciLm you cut stop the payutua m any
:atxnnt ynu think is m nng 7i, cep to pimnunt yorWer must math is
three basheadats before the n itmtwc mane m is rdxrkmkd sans.
Your Right s and Our Responsibilities After We Receive
Your Written Notice
Wr must admowk* your lener within thirr. (30) days, unless we have
airredael the error by thu1. U51hin nin0y 9)) dais, wt must tithe r
rarmat due cur or explain why we ItImm dw sialmmil ,,as cornea.
Afar wee receivevtnu kite. we cannot icy to ndlw trey anutun wu
ghxsf ion. ear maxi pullas telirxpk:nL tit Can tunumk km hill yeah for the
mix Alto you qt" n, inchxting Finance (harp_%, and we can apply amy
unpaid Amount against your cralpl ibm. You do mt ]laic to pay anv
quatamed amount while we are invstigating, but sou art still ofligalnl
o pap the pans d yaws sudc'n nt that am no in gwtiun.
N ear Owl that we made a mistake on your sukamm, you will not halt In
pay tiny Finance C liahgty undated in anygwtonul an mount If its did nut
make, it mistake, you may haw: to pay Fnaus: (.bangs, amt you w•ifl
have e u, milk-, tip any totaled ;
xwd P•rynents w the VIict[rirxd:uhxxuhu.In
either cast:, ere will strd vxi it statement td ter anoint yam owe and Ole
danr that it is dire.
Ifyinfail wpay the amount that we think you olyv.we may mpor ynu
as ddingexni. lksw•vtt if our explanation does nots••atsfy text amt )nu
write to is %!tlin ten (10) days telling u; that sou still nfum to par, we
must Ill amixr wit repro you to that you haw: at question abcwt your
seramett. and we must tell ynu the nmhr d aviyov:we miunot yam to-
te must Ill anion uc mart )w o that Ue matter has Ixen auks!
tetwetrIUSWhen ll fill allit
I(hw: Ao Ill folk m, these aka, we e7nnrA collect to filet 01 of the
questluned anmut cvn f mrslatenenl ivz mrntt
Special Rule for Credit Card Purchases
If yon have a problem with to quality of pmpeny a services thmyou
purcheisot with the Card, and you have tried !n good faith to alined Ile
problem with Ile nxn leant you mry halt the right not to pay the
aanAininganountdue(indx•pmpmilyor seniceAlrv amlwu
hntitatknr to, this right
(a) Diu mhut hapcm:xle delxmuhasr in ymurtxme>talr ear, ifthu
w'Illan N1UT hair sl:llc. wltlin Ilq mile;dNbhrfNrrll llwillltg
addam:and
IN Tim punfew price must have been more than $30.
)1kx linutadou fib not :glp1ly if eat van onoprral Ur nxreham. ear if
we mailed you the admiLtorenl for the, prop: rly or savic
Note for Olde Rcspdentl:'llw Ohio laws AVA lea disrriminali n
require that all creditors make atilt equally available Iii, an cnAitwunhy
customers, std Thal credit re ortingagencies no inuin sep:lrate credit
hiAtiriecon each individual upon ngicst.'Iht 01lo Civil flights
Cormlaston adminlsim oorrpliana witi the paw.
AGRE&MNC.BEGARDIWG'TM
At,c ummATiocii u# DlfzTA: SrcYMti.FS°
IN, AIMEGrJcxel wrm: YOUR
DELTA SKYMM= Cli WJW. CARD
Mom. ANWJUCetf1: E1lMW ,
Y•um will livin one Delta Skylti le ('•SkyMlle' : fur ctdh V -S. S. dollar of
"Eligihle spending" (as d&&d hulow) um your Delis Air L'dxs Sky)Aiks^
rnilit (:aid from Anwncan Expilm (Or'YamLAmxml"), subject to the
terns set forth below. SkyMlleswill he eredikd o hair A)-Milv, sump
after ile billing period in which Ile Eligible Speakrhg occurs.
if you have a bella yard, yea win! recow our aklitienal Sk):ttlh for each
U.S. dollar of F lgible Spending for"Delu Punhas(i' (ass tktnej below)
slabjusl o the terms scl forth bebop. *yMiks u' 11 rat le awankd for
Eligible Sperxling in exatitof 1(a),OfIU per ywd Della CtnlmehdwvJii1)
nit including burnism ho wenvr,oxe'ixms"SkyMik• lunch 1;.S.
dolor of Higibie spending Err Iklu pullet ea s will amtinu• to be
awardd2bowe!hk Imat. If in any0%m)taryam upgrade),l rAmdnt
In= aDeltsCard toaGold C: alldigih)espeningeanxd%aIkha
Camkhemler will be Iruskmd a) your Gold Cant Account.
if you halt a Gold C:.ui you will reaeht i e additional Skyklde for each
1115, dollar of Miglbe Spending for Delta lbtehahsus, sldiRd it) the Isms
act forth bckru: SlnMilts will not be awarded for F310k.- Speiding In
caress of MO.* per tzar of Gold Cardin m b nidp, net including
ixmasis; brvw, oone "brow' Skylhilc for each V.S. dflau/f FJigibk;
Spading for Delta Purehmi s will maimtc to pie awarded atom this
limit. H in any given year you Upgrade your Amur frxn a Delia Carl W
a (ilkl Card, d1 eligible spending eared m a Della Cardnxndi r will Its
transferred to ymu Gold Carl Account
Ifyaphave aIIuWu meard,youwit)rm51+eoneadrktianlS1eyMiekr
each Us. do0ardE3ipp114 Sphen[kngkr pelt. lhmdtmzN subject in the
krinsm fordt lelim tin any }tear If Quilme nth rdnipyrur Eligible
Spoofing Is t.)JKII antic, you will be awarded 10=111sc Mlles (:n
dAined in doe Delta Skyftlks Matib rship Guide and I'tugr•.nu Buks). Tim
Rtsie Cardm araxr 6 edigidr to revive mme: W.000 base mike award krone
Ikha ShMiles Frequent Flyv Amount each year. Bomb Ilaw `.lfeswill h:
prto_ s ilthe Noah our Minim) PhGnhmr Cant fie is billtd Ile ee alki,
six-rigttmrim for such tlaa .%UI sto be passed ubyuur SkyHikx:hvemt.
Yw maybe prm lited Inhale mom than one Iklu Sky Aiies• Card
AccanL IluwcWt you are eligible to minve wiiroune• lxmos points for
onlytae C.ud A¢xxan. if yuu previously e:kmd a Ikha Cant Ammnt a
Gold Card Account or a platinum Cant Amuurn, yar aarc not eligible for
WrIcurne lamas plnLi if you open another ItLi Crnl Ataaml. Gold
(ant Account or Platinum Card Amine.
Ski:Niles are, subject to the feha Skolilts lkmbership Guide and
IYogram Rulra and you should relier to that document for deans an
rdallpilu of.!ks. Delia's right lea change:pnigramems, and
udnrcodittura which may apply.
Motor Account roast be adore (i e., not amcell(A) for sour
glum billing period to care SkyMil(s.
"I.ligibk• Sprntling" induc6lurdaawsd pod: or service, which
porhakv haw: rid been murmo'l-uro
?'herwise reci dul, and an: rat
subject Ina audit; !Idles NUT include. (its. Fhnanm tlxrrkr.S' Ash
Wrances (.including the use dcheeks, litre xtisatac automated teller
machines, orotherynecinof awssingyour int).HalanorTransfers.
or adjuomena to you Account W'c my iw: the right net to and any
S)n•Milts fur transactions we detcmlrx• :tun not Chmg;a, mark with !lie
good faith Intent In d »nsuming Ile !em charged.
For die purpose of this Agreement, "Delta I'undhaws • are Delta Gcki
pun Dim, lielu tacaliun' paictagss and other Ikha qLrviom excluding
Delta air travel pnmhas s which am a pan dam all-in:hshr airA•a kxv
pacla'age.
Bh mnerve the light o chalaw these Im6 and ou ditiuni a( any time.
su bje-t it) applicable law Temu urcd haw: the nkdnie gs as. grxrl to
them In the AGREEMENT BF MF..F\ DFI3X SKYM Ii.FSCHFJ)IT
CARDMF..MIIF.R AN D AHFHI(:AN EXPRESS CFN111RIRV IIAVK.
AIGREEtwir 7 BETwtw : .
.: :D9LTA:.SKTMMJW CREprr.CARLIMMBER.
4ND' MERiCAN:E1GPxESS.
. .TNAYST;-R19EATWISERYIf.E9. COMPANY, INC.
Goxci?eiemvs EuEerRblv[c
... `FUND TxANSFER SEKvi(FS
O?ctZ. YOU ENR(HJ. IN PAY RY COMPLI-hit, MAY HY PlIt %E
OR ANY O'I11ER .AMERICA'.,' EYPRILM MF1710\1C FUNDS
12AASITR SEIMCI. (IIEREAETRR 711E "PROGRAM'-), YOI'
W'IIJ. W. SCRJI.,Cr'110 11115 RLISCTRONIC F(AI1S 1RANSI•ER
AGRIiE::URNT ('n1E "IrJ*r .4GREFNEm-).
Scope of Agreement
This F}TAXimme i(amtsyourparicipaUnninteProgramInthis
F.Fl*Alfr unwriLdieweds"yw':rid"yap' infer to the Basic
Caidiftemb r utd also Inchxk all Adlitiamal Qudencmlaaswixo haw:
enrolled in to Pro6cam. Ile words "we, "'our' and "us' rifer to
. mrr cn Eigmss Travel Hclakd San as Comparny, Inc The words
'our Ainaian Extim%.Accounts" refer to your earl atmnrnl governed
In yottrCandnxmiMr Ahme nrrn ("Card Aaunml") or any other
American Express Aemunts dutue permll NAI it, enroll in the 11 ugram.
Them"' "yntir Rank Acclaim" nfer o the :wmum held lx a hank
securities firm or other Nnstuial institution from which pavnxnt will it,
made whmm volt make Irartsarliom tinder the program. Ile wads "lair
bank" mean the bank smlrites firm or other knxndal Millititn that
hutds yvor Hank Account. 11x: words "(alxr options • rfcr to electronic
pa)nwnl tramfcr options wxVur dher eadh oczess th:uArrrican Extum
may make available from Unit to lime, including theopGun to pray your
.Amut bill eleetimmadly using a abmpuicr, phone adder device.
llmr Account Is ppr crncd by tie Canlmcrlx:r Agnrmem that is auadxd
to Ibis EFT Agnmrmon Tiwt agntoxnl and hhc capitafliA Inns in it
Ass, ap.idy hcnc
Payment for Cash Transactions
Fach Gnu wu initiate a trancadion under tie Program, sou insert
and aulhtrla: its oro r xp -nt to draw a check or initiate an uaomucd
clearing hfxta ("ALI l") eebil in yea name on your Ronk AcCOmm.
payable to m or W err agmt. in tle amount of tie travi k]xnu 1hX.
v62 685657 7/19/03 5:35 PM Page 4
amount ill ter Irmektlon is the anmmn od In Aocstmt bill you paid er
nthrr fmxl<var_skr yam aulltnrired, ohs airy goplicafdr frvs urchary,'?'r.
W may ofiarge i fer of ran for each click orAQI dchit drawn by m ur
our ague its anruxaron with lox: Program foal s nu; Ivnuatd Ilpxr font
pnxnutenL suhjetit to aphpldcabk I•aa. l'OUr barn: may alw outs its
avuurm' dpargc forsux:h mils, if any:
Dishonored Requests for Payments
If anvclxxk nrMI dehildrawn In us nnnr agent in ern nocatio with
do I'nograni is not linnonil Iwyour hunk, we rtave, dx: nghl to charge
the armaml of any s ich Inuivrclkxr, and tlx: dshlot 9 payment fee
n{rmtd to able, up tit- Card.Atuomt(It toc0ect tote anxxant front %till.
If this happen. we may cmcll your right to parl'u:gsa4 In tw I'miI.
For oertatn Hank Amounts, you tire,- have a separant appt'emnt with us
tit, widiapraNcipadngtint lkseaminsfnml,no oft financial
intstitmim dial allom a lire of credit W be accessed in the ewam deal your
Ilan Amount cool at nsinsufficientfunds to makepa}immLie Los. Viral
sikxuld refer to ter app utiriatt agivemem miauing it, that lire of onion
for the knits and condiiinm that govern its Inv:.
Liability for Unauthorized Transactions and Advisability
of Prompt Reporting
Not must tell us AT ONCE If you heliae a transnGtion Order Joe Pmiti
has lxSn mi wttnntynuu aptn xi :u iun.'Ihkphning is the krot way
4Imnimbing possible kA.wc. If a transaction was unioutburtntd, and
wthin hwl days after you k^J1'n about or cat ntify its that the rammihn
tea unau11106 rd. we will not hold yonn lialfr kr thal trail rlim. In :any
event acn if nru foil to unify IN. your liability for any unawlxrized
tranrtaion orarks of relatul unandwxiad vie suiinrb mall nor exceed!
0. If }oil lx:li w dial s rneunr his trarsferul or nosy Intruder m onq
from vro r lank Accost wittuntt lxmhinium. call:14100-52tt-44RfB (within
U S.) or I-iifriii-3211(curdle: (1.5.1 armhole. orwrile: American
I_xpax Coedit IAlomhhri Pt). Box i4l(30, Phoenix, Arizona 85072-3837.
Our Liability for Improper Transactions or Payments
If a trunrcliui is Ili cntlili as you have directed or if we du nut
axnplule a hranslo to or from your Bank Account of throo: in the Correct
amtirht, uc rill onions and oxxnxl it :s ItetL'rtaty, once yon athise Ile
wi• wit{ also miulrursc pxl fur wur:ruul kwm or d:uhnagt's. if any;
swat In• ourcmr. However, them are sane etelptiutn, w'c will tort lic
liable' to yru in foie folkraing invlanas:
• il.lhnuylhnufauhefours,joxxliankACtnntokasorot(xdilnu
antairt ewugh ma tky 1o cum plete- the tra'saoxiun or the tarter
would exc olwtesublishilsendliroi4
• if the Iiuhdcin yolit llank.Aounnot in,Or at the Little of die
,ukauphd transaction subject to I it procii or other chamhrance
rt•.tricting the ininsa :tiorr,
• ifcircmNamtsbeyond our Control (NddiTS fire Or flood) Joni or
pre•.tmkd die trusaetiun, dignity mis nab:e precautions, that w have
taker;
• if a technical malfunction knot' to you pr mined tic Im itbn;
• oam•other txmpliomstauslili this 07 Agriverrivni.
Business Day
For purposes of this FPI' agreenint (nu husiuim tors am Monday
through Friday Holidays art- not included.
Arbitration
ThecrlAcouniisgummed by the(:andnnn:(xr:lgnxntentmmaiittd
herein, llle Arbilmfirm prOminn eenlailoed within that agreement
ugpolk.% W this 1:1.1 4greentunt. I'Irue rifer W :hat provision as lint lead
this .FrAgnrnxnt.
Privacy
IJexmnk fund: transfers you initiate pursuant ro this EITA(,aoxnt end
are Cvtttd by Ihr Atnaican Fxpresv Privacy P. dine. a els(y dvolt irh wits
given to lint together with your Arrierican F.'xprlss Card. III new all
I'&3q IAA icy online. plus v%it :tmtricanrzpns&crn.
How to Contact Us
If fur aril' mown text wish to contain os ab out the Pnogni n, about your
parlicipxttlot in ter Program, or about transactions Aaling to Ihr
Progrimt wriu• or call its as fulluws
Addn%,Ajucriraw Expnnm 1Yatel Related Senins fonlitany , Ira:.,
lixlii Operations. I'll_ flux IVIA. Gtrensi m, Nil. '171-
Teltlh(vi ( -.gIXi-C+151I-W)W. J4 Iwun a da}, satin clays a Welk
In Case of Errors or Questions About Your Transactions
Writ, or call is u Ion trundler or akin gwor, above as axon as you or,
if yvu Think )ourslalmio t or receipt is wrong or if you mid nun:
(idomtation alxxht a transaction listed on )uustaiii or nroeipt. we
ors! Ix-u from yvu no Cater Oran 6lodays after we sail our the 17RST
statrnnutt on whtch the pmhkati ur Onto append.
1. Idl rt war nand and.Acaont number
2. Describe ate error or the trasavdom you ar unwn• abut, and
egdain as clearly as yowl tan w1w you Milli it is in emnrm why you
need mom infoxnw&n.
i. lilt IN [tic dollar amount of the suspecIed error
If Nu uil us really; vw nun'squire that you v^.:d m your wtiplaint or
quetion in writing within to bhianm d:ns• fr..n thv date you nnufiW rs.
Vi! *[it It-)) tut die n-sohs Of our upitstigarti n within 10 b-ness days.
Jhe ourIsarfromyvu:Owl we will content uiv trrtrpnnntn>)'. !1 we need
noun' linx•, Ix)w+.xr, wt maY oleo oils lu 4i cakmLtr days w inrL•cligalt
ytmr mmplainl or quutum. Ir we decide to too this he will auum that
our hank ru swills your Rank Account within .0 bulsO%e:I daW fur the
amount yiu think is in error, so dial yvu vvi II 119W ter tiw• 'If OX nxxxR
during the tine it takes is to aunplck• our irnttigatiom. If ive rile }iced W
put )ourcomplaint or question hl wriangl and we do not receive ii within
10 hmins days' hollowing your oral notificado t. we may not recd dii
wur HankAotti
if notification of an error is an:ir d within io calendar days after Mir
Hank Account 6 word. wt,, %itI hint 20 latimou'O days to provide you
with the results of cnu inv stigalon and wrnci any emu, and 90 days in
Complete the invisligglion.
if w• d&-mtline that theft was no emr, we will tend you a written
egdanadonw•ithmthree business daisafterwt fumisbour investigation.
Upon tour Rquo twnwill}ankleyewwallcopiestfdie ductuni that
we used in our imistigati n. if we have pool islo nally r wliud your
ItardcAttuusduring ate investigationmiddtum itedialtherewasno
thrift we will notify yid of am- dale on which we will debit your hank
Atromit atxl the' anxxuN m lo• olebilul. lieu sli uld makr certain }hat
war hank Mxlunl extnlains siaf¢i(mt Raub W c»ir this lddt If h dui+
ire, we have the right to change such anxxtn to dw illcautnt (x to cullea
die amount floor )tat. If this happens, we- may cancel }our right to
panxilnue in the Program.
Termination
Wt, to any bar* orfinanctal Irwduttion pamitiraung in the Pmgrain,
;nay add io or nanwe from due Program am or all ATMs to wed or
limit the services provided a any brain without naihingwia
beforchanl In addition, wr maydisCOri the Program atom Ihne.
Your ripdn to panieili in floc 11%Tm n will :n 4nninakd car w,j"did
if the foul Atustmt is Cneellal or sago lded. if )ooh weal the
ardl(xlmlial you have given y'emrbank h) oxectty charge checks to year
Hank Acc oaa. if ate Yank Account from which payment will Ix made
whom yon make tramoaioxs un1C1 the Program is chi kp ovitdrmwal
transactions by his or our ipmit, if yoxmparitoroatimn in the Program K
I ri ive for 18 coliitive roendis or no re, ur if the Caaf Actium k iw
lunp,'erin good slatri erg,
ht wMidon to the foregoing. w: may teavke . ar rigihl is) lnAlcipoak its
die Pro gram, at air tame, of our ale discretion, wide or without cause,
solo e-a to Ap(dicabfc law. if w: Cleo so. we will tend you writen notice. but
we may not send you the noice until after the riewknaun. * also have
the right to okay audtavaliat fox any nque-fed tranvor ion at any lnx;
at our srlediscrution, with or withomi cause and without giving you
notice, subject W igpplicatsle to%You may lemt(n: your participation in
the Program but wit meat do su by writng lei us at the. ad doss disc bvrd
in the Staiun of ibis FITAgm.•mi cniabal -1 IM 71) CONTACT (S."
Prior Agreements and Assignments
Ibis FJ'TAgreemunt supearks all prior agncmcnts you mar lute wilt
its relating to the lhvlp•am. tit )taw t ht, right to as-Ago this IJT
.Agnxmiml W a aduLk1iary or affiliate c rniy at any tints.
XMF,R1rA4 DMMSS TMEI. IMAM) SPAVICFS (10MPANY. ING
Gordon A. Smith, President. Consumer G:a1 rmler Since 1944
Note for Massachusetts Residents
General Disclosure Stalemee4 Atnydoxnnrtoatin pmw•itksl W
tun which indicates that an electronic funds Ir mi wzs made shall he
adniisxible is evident of such transder and shall axutiune prima facie
proof that such 1ransfirwss mark.
tln initiation by you of actin electronic frees owdetx from your lain:k
Account will, except as udktw•tve pushed in this EMTAgnenx nl.
effittbrly el(mite le your obility to soup paylne t Of are trai
111`4 1'SOFn1FJf1 SEPR(11'IUI7)IN7111511TAGRE.MNt:Yell:AIAT
NO'TSITA'pAmENTOFlim- lt0i,11'NIISTtt4N10iRSr
111E1IJi0i YOU St 1101,11.0 WT I_gM H lECII(ONIC A(:i FUR
111RCIM%FY OR SI-XVIC-M UNI.Mq YOU Aft:-.. 11519t:1711111
W9IJ. NOT Nt:FJ ) TO STOP PAYJIENT.
Disclosure of Account lnknanation to Third Partied. If )oil
giw: to your written authorization to discksc inlormathm ;bout )out,
your Account orM tnuuactlasthatyoun i• hp any person, that
audxxizadonshall aulomAi IlyLMArc 4idaysaflcrwenaiveR.
Optional Limit on Obtaining Cash, You have the option to request
ten w: limit the total anxant Of ash duce( tot may obtain from AT%in
a single day to $51. If you elect thisnpttn we will Lake all reasnabk•
SIPS tO co(nply Witt your nopua
*For Nero aclaii nSildtC 10 calentLirda i hutud of lousiness days.
T)FFi PI.Mb YSS PAdTt;t:rfON'-P/An ' .
Description of Coverage
How the Purchase Protection Wan Works. Vtten an Anxi
Kifrm" Caninxmbcr charlyrs amend louehase with his or herCanl
.Amituri 'tlte Pordlasv Protection Plain prokxA that Al for yti days
from are date Of purchase if it is lialrai Or mrotleti damaged,
irx:(oding vankolism. 11x: c vcrage is linini ki SI,M0 per (kcnm»a,
Op w 150.0010 per Cardmnmfxn Annum per pdkgyeat and Is (n I-AM S
of aloor stxnree (d indemniw_
How You Benefit
• hen.,,s? `td?personal prolien, vpun[Irattd wOrlulwide• Wiih the t .trd arc
awrrtd, irclixlingyon II gins puldlastd tar ttfrn_
• rte a t::udmember, nrch,ee ts eutUtd fo!)(ida» from ti' date
of purchaw•winem wa eharl;•t any pnlun of tlr pis of the purchased
i-01 with your Card Account.'YOU will only he reimbursed is ate
amount charged to %wt (:ed.
• tlr IkIrChi Prom lion Platt provides covtngg• for up to itJXXI per
Occurrence if theft or atcidenial danuix hicluding tandai6m,
("Oucuttenm ), exit to exceed SS0d100 pier Cardmember Ataxunt Ix:r
• he progdstrator will decxk whet er to hint the Ivan
tepa,474, nor W mi slurs: wt) (cads tar ennui) tip to the
am ounl charged it, do- Card, wool nut to etcod the original purchase
price.TliePrrdrivPmtectkxhPl:uovkxxrotn•inilxrrs furshippang
aril h:umdlihigragx+tvs tar imullauon, ax's+nhl}, tualcrsnic• ch:(ryas.
Who is Covered
You are ovend urxkr this Plan aril coverage rt.•nrairo uifcctnt as lung
as you am a II S. reeknt (', udntuttlkr, drat is. ate American Fxpiem
Card has liew issued in your name, anti you mta(txalu }Hilt 14mnan:nt
Residence In the iOUniud ',I= of Axrdea, thr I nos uof (kfundi
Trend RICO, or the U.N. Ittrii Islands:
Your lkt anmtRmilunveisctnsidtndlourprimarydwelfmg
Key Terms to Know
• Bents will net le paid 0L on the date of O(eumatce, at due date of
claim filing oral the date of%vii rclaimpayitxmlamamxxua
due too your tam Aoroimt is unpaid for one o nre billing cycli or
your lard Account is caMtlkd.•
• I'm mustpm•it4prtxdtdputctnsd:and satisfactory proulof UK- theft.
ict'Antal dama(tee, including tand:disn, while Coktagc Is in blest It,
qualify for payment under the 11urchaw Protection flan . Renunller
to kut p all your Aheritwh Fapnss chards receipts. original store
rlxt•ppli and dam*%[ iemtc
• QAieragu Older the Pnrchasr rmkctiun Plan is FAUM.: this means
that if, A are tineriffkeontna, you have Other valid and mllectibk
Insurance or in clunity - arch as Iota It)t dim till to horiawna i or
nobler sinsurance - ilk, I11n'haw Prttndion Plan will cover that
amount nix amts! bye srrh other insurance or irxktnnay, tip to the
limutco f the mrdhaw I'narctiou Ilan.
• Pnaluctrtitaks,disermun0urmonevnaittdfnmmlowvstpriaanm-
parfsun "Tents will he (kxhltkd from do Original cost d the ilun.
Purchases Not Covered
• traiekts checks tickets if am)• kind, negotiable insumpxtnts (such as
gihcenificiflaN gift anti aril gill checks), cash or it t'quivalent
• animalsulhingplans;
• cm addeOrperishahkiviswitnlimtledlifestiats(snchas,but
not limited I0. phdam, light bulbs, batteries):
• it the time of purchase, used. Mixoult. redvdhishel, err
ntnamtfactured (tens:
• of&- damaged!rsWknnnemmruisisofarticlsinApairor saL
c ver.q: will be Iii to nn more thati are 21 tic of any particular
pan o parts, Ili the arocla we unusable individuri and canna
be nlfaced individually,, ngardka of am spe ial value die an ek(st
may have had as pan Of a set or colk Lion;
• pemmaneinbutm•!w(d anoVurbusinesx fixture, including, but nut
Itmited to cagxting, Huori rig and/or tilt;
• busint-ox utiti. in tiding, hill not limited it). Wt axxlitaaiTS,
nfrigemtas, hvatc i
• custom losp,U, medical and danced equi uknt arid doico:
• ra7l sl:mtps n trim;
• andque, previously owned items;
• items purchased for rtsale, prolm k for eonuthtcial use,
• items still under ing:41nxan billing (i uti Ilxse plrchasedfr nt
American F.gmta kkrchuxlise Stniasl:
• murixtdvvilichsanew-aeraah,aintafu• andnK*)r :k• (w&-lr
mute \ equipment, parts or aaec•olits:
• item Rnkd, krs-d or lummtd for which loss will he held regxxwble.
Occurrences Not Covered
• itions lost or misplaced;
• items stulm from nxxurithidu;
• dumsnotru••surtabh•safeguarded ivtu(for exwin)k,unlocked or
una»enhd items stolen foram public faciliats will nut ht amrtd);
• items sWliofhuntbt isnacardedhhandunderyourlxranal
aj,ernsan or moron the supervision of x traveling companion lauwn
In- wu:
• ikttsthat youdamagi:through alteration (including cuaingsawing,
and shaping):
• hears danLW%l due inworr l war and k•:or, inleilatl product defy tar
cam aleourwof play (such are but nun Iimiled in, gulf and kilns balls);
• Occurrenom raised by any if the rollowing: frnuL abace; natural
diswiur including, bin INN limited to, flout, earthquake, Wmadu err
Iturrkxnr, w•a or hcntilWti of any kind (e.g., invasion, etlx:llion,
insurrecti ;cofiisratauInoriOfamrngtb-emorenipublic
authority; or ru0.(xms u0'nkd; "if camtaband; illegal aclvisr ox
ace, radknxlvecuunt(nalhn:
• Items loo damaged, or aol rt nntkr the Cam and Control of a third
party or common ca rder:
• mLOdadurerideftelie
• items at an utxccupied amnoetiam site.
How to File a Claim
It mw•ndkr. let dew m Pnugn pnntxidng Of lour CIi yet [Who niaxt
any axfl ordamays Immediately klllotimg ilx tlane of the tkttomaxi
including for gifts purchased with die C_snd. Retnnikr afro, vnu need let
retain wuritxxipsanl }our lanhagtt! deem (if tequind) until the claim
process is amryikte.
1. (All Wlbfns 18(x1 i?2• I?T w tynum your claim (otnc c, call
collect it 130}273-6pgR).
t'? --
ill ..
v62'695657 7/19/03 5:35 PM Page 5
Nettle: Flan mull r(lxrrt mar rearm mrlbin 1 dayaamm & rktlr.
n/Ounmora,.
2. You may leseita Pnmhai Prate akin Cla nt Finn which you MIKE
aoytfAC font and hark, sign, and helot to the cJsins tdOm with the
fallmiugrequired4umants'(laVerspia,.fxyuiiro%mncurds)7
• thrxmerianExpn-'v?dtnrgencripl: '
• drunginal it+rtirul Stun raripl;
• dx•innlrinarkrlanatut(umuforyuvuthtersuurmufimuruux
ur iniknmity (e.g., li nxaarars or ruler's iruurma);
• aphoagtapltof arid/or npairu9maieiurlkdanagdheir
(damayr claim only l; and
• furthtft and tandafiml claims a rcpJrI Tgard ilg the Orden or
vandi duel tturo mint Ix fill with the :ggtnipriatc Authority
b ftxc}vu call Iuffle a elaimwhh the hirdtasr Pitnetion Plan
NOW: fine cored niurn jrnrr mny,lr4r'r/Jaim firm rend rtyninxl
rkxrrnrcr u irWhirt (rl daT (arm lletkdc rf fkairron k, ninaur
(d erwfi r am-r
i. 11te program admintwxWr will decide xiv-5wr to have th : item
rep aind or iephacid, or on mimttrsc yon !cash rrcnslt') up to the
amount (harped to the Can[, and not nn examl the original purchase
prix. Ilse Purchaw 14rterdon Platt dosrxt tivubuotfor shipli nganf
Imitilling exlxim . or ituaall•.atim, aisunhly. or Other units chirl:u'
1tme. h'(. pr(ronerd aril Its rdrxkjOur linwlld drums or ou all.
c'kmqu my steWanhalix/ its flit, mrankr ralumetl hl' The lnnrr6+
r. 1'dx dwsage chins; war may Ix reyvind w seal in Ux dlartu fvl
itoa(S), At yrorcxlrrise, for further eralu atio n of yrxtrelaint
Note; Ifropi terLivummst.wndinthedanragerlileamahm311
,k(hsfiurn dm dtA-rirritu al lo Min in ell fir awyrrr,At,.
Important Additional Information for You
The kntffs prinalrl tirrk•r die P irdy ,r Protection Plan apply only to
yon. (kly you have Any legal or npntablc n4•1, warily or claim to
inaurann pr ,-=ls arvUor danr*-5 under or arising Fran the Porchau
I'mlmliun Ilan.
All mauxvable aid prae'tical soles must ix lak m art avoid or dusev any
chant of pmiK•ny ahtnd by tlx ),urchase Prncaim )'Ian hang stulcn
nr rl:otapatl.
wtxn a Ixnc4it has ken paid under chc NirJKasc Proustian Plan, the
Insurer tarmtux sukn,patal. to the exiail ti s,ch pipaml. wall your
riglns wad mnxdirs agalist any m9onoble pr,:ny.1,1pon Our ruilliest, will
maw pwrvikr us reamrtdlc as istuta. including sigtitdg dram mils if
nxdvan; to firing suit in your name.
1 is Ptui4ust Ptotuim Plan s wdlemthirrt b, AWa.Asmirarxx-
(ungnaly ( `insurer'), AdminimnUvc Office, (;.rat Bay. lVisuummn. This
doeun era serw.s only as adesrnipti n dome ge and is not a paluya
conlradof insuranx: die :renal icmb, amditrxs ;cod oxiadots of
I'irlits, AM51 ("PolieVI gratin the Ikirchavt Pno:aln Man-N- hdiey
has bixv issued to American Faq)rWhavel Rc(akd Imi las Gongrany.
Inc. (':Annulari Expmes ). the Pcdkyhokil,111hdocuri Ad all]= an
rsimingpriorI>L•w'nptiasof(inergp.•flit the; Nirdimsir Protection Mall.
Eameth.l. Ciak, Pr"idult :Llx-div 1icdlan, Sitiatan•
AY1Cy(Asumana('ungtuty AMECAssunrKetantgtany
672fr 11 SKI
!. Fnr!lxxcz digddzand rurd&r/ rn Ibe.flendxnlrip HrxwrlpmAram, !be all ofa auererlinnd ita rmryrdo bepardia.W
fbroughrtrbanfxaaxofd,llrmbm*. ,Mm irds/rigrann
nalerrgY6,rt awll1j rik.
:. Par rbarr rdteible arrrd enmQtt/in &, 3%rrtfxas6yr Rmun&
program. l endiiu' air. alarr/uid rr(xn &purrda d 116717 c
rmthxdibma; b rbr rvh m/dion ofa Mtx1xralr(n Ne iwar b'
/nrr,,,rrm r rki 10o, gr[ilk ale.
3. outil rebnburxrmrni rhea not rgyr(y to xeir )brk movie Mirk iu..
4 r lhnsr. d(eiblemtrl rmdlrrl m The Ifemlxrship Hrm arriv
pm,grarn, lvgrnrm uraedil uW insenvitillbe exigbral rm#¢mii
«drO• nflhr%xrswrallr•(}rx,nj, raxiniilLawrgh rerkinldwn mfr
.ik7nbt nlrip A'eurrrrLi pmgr7m )wen". r ixW#iatk top In fbe
.draallrnidc, evtirulir+g.rbgyrhreura/dyurdlrnHryx7nrs.
i.bnjnrkmrOrdefordxue nry)IItlIli&.4lembo.hy,RivilMb'
prorram:.1 mulxrthl t Nmrrn6lrogram rodurWirin cery/mrde
am arts- le redevined by dik4k Otrdkr;mbers. Hmtyili mill nod
drlwurlulxnra3lemberdyrHriamliIm rrranrrnkrnJdkun
a Wi(iade lyrs lxrat nrnecfr+ralm rinn, i pide Ca,rhnanbers
an&(r nwr i'arrdmen)lxrc
0. /box nnl elfilp hi .Ara- )W..V jte ntul6.+r4.
?. Wit+i ,di?ildr rau(nrmHnl ig ftt•.shmb ?aJi Hnuuets/?mgmnr.
/nrxylofasvjgrirxl rrdrre pkrcerl on arall p-r/x+lJ• rixra rtnraA «
Alemhersfxp Herxrrrlr/mrgnrrn rddvrt/do;n a+lifiarh; rnrrd be
nrbrma?d nr addainO In rdb6r rvyuirrtlrkxunrnrh, r/rrrranc&v!.
THE BurEWs Assumnia PLAN
Description of Coverage
IM. the Buy-'s Anaarurue Plan %;.t . W'1un a C-lo„anlar
rhargs the enurecunt ofa vxmn'd pnxhrt with his or dar cool Aran,nP,
die thner's Nunnx Planwlil"Laid Ux• ems rdthe original
ntaoddaaunrs warranty for a pririoro d of tine equal to the, duration of the
origird nunufaru mrs warranty, tip to(xx additional year, on
warranties of f ivt• years rr I,at that am cl Igiltl : in the 1'.S.
Now You Benefit
• 11xUnryrtSAStfrannl'lanmirmnnanr.iaaumn w,urwtUrafr
cunt pnduac purdtasd entimlywllh tour Card Aceount. top to one
oddititartl year.
• iF'f><•nyranaxcnafprtdrtt'smanu(attunrTwarranlrraynn.:(1ln
Parsers Artrrarnt Plan take ddkro. Tk Buller. Asvnrana plan
cannot pay mire than the actual amotml charged to yarCarl for the
them or Y10,000, whkhercr is less (not to I. timed MAW per
(:xd uendicrAaount per policy wax for all Occ rmim eundikKd).
• (uxrage!rtxidudfnranyproduct natlunaion.dekitordemafm
..;it byesg kerns of the pnndieS nngilal w•armrts•
(1katrmna°) - at no extra ari'1.
• For xems c'iiaill d utdmJy with the Card. 'he program Adndidstmwr
Dill dwi&- wftalxa to havr the nern repaired or repla(ed, ur to
mimMnrx wait (cash or crcdil ), not so oru it the Original purchase
pdtti. The B iyues.Assi rarvx flan duo not mimbnnu fur shipping and
hat All Ing expenses or hislallatio n, minky, professional advem.
matrnenamx• ur OUxr strvia dwprs
• w1xm hcp•ruKalpmyxrh•ronsulsolarcles inapairaa:1.1his
po ashall tit liable for nixitemin the p:dror lei whiclilonuthe
hasis of claim hereto tiler
• Nil rsduu regiitntlio n or cnrolbutn is required for Mu euverut]
pnxltrL, including }ifs pum]takrl to x otht n.
Who is Covered
t'ou Are amend under the Plan Aral cxwtrap}c mrtains rRrtthe a lung
as wait are It US. Ruled nil Catrdmuider, that s, the Anrrican Express
Caul huixm Qated to you in your itanne, wd you maintain lair
permanent Rasiidneu within the 50 Fried titles IlAnririea the IRitriel
of 4ndundda, Poeno Rianow llle U.S.lirgin islands:
Your Pernranua Rcstdencr Ismrsidund your primary dwelling
Key Terms to Know
• ftrxfits will nut be paid if. on llx dad of tkaannee, m tIx date of
claim filing or on the date of wranld-be claim payment, any amionl
did oil mar Card Aaawnt is tiq aid rums' or neon' billing gcir(s) of
your Card Mount is cancelled.
• You Ilium ltniskpnotufpurchas Willsalisfactury'pnKdoftlx
awcnd (knsmrice while cov:rap(c is in tilai to qualify fix Ixmcfrb
under the BnntTs Azuraurr Plan. Ritnunna to kirp all Ivor
kiicnnr:m Fsgress cilargr receipts, vrigin3I stun nixipb, original
neutufactrre •warramita,and pmiluctsnspninngnpair
• If You inje eanaddilltk:dsrnicecuntnctororlen edwarcmn•
with i pmdtrt wind! k othemri e- eligible wrdr thr thous Assitr nee
flan, and tlne combined awtrage pnnided by Milt the original
nanidwmrers wan utn ar l tlx purchrsd seryke contract doe not
exceed &t yam, then the pir dtrl Is ellgdEx foreowerapr under thwe
Bnytr's Asuranee plan. 111' Btllems Assurance flan will exitral the
warranty fink perkd and minor awxrage 4 did original
manufautimes warranty tiptooneadshtkral)earafter Meth the
orip final rnamdxlorerS iwarmna- and the purchased service contract
ham,expumi If, however, you Purchase to Ameriuhrn Express' Senice
flan with a purchase from Americus l:xpnss Merchandise .1kniall
the parser's Assurance Plan will apply, Itdon• the R MCC plan is in
rfktt. If the alnkbined cuirange of the original mamdacvuers
warranty and the p unihard %wnice amtwt LKmxL6 five years. then
the product ptvcbAsA is no; eligible make, Ux flnrrV16snrartee flan
and Io(axrrage Applies
• If you buyan addlitiual xiviaaunractor an extendedwarmnN for a
ompntr, sutrgxMramtpunens or part that dncdy eons wish an
Original US. manufacture is warranty, uness latch nweryr is
pruvidud tram, and adinnMerol by. the original ouuufaeuvur,
astrag: under the Buyer, Assurviou Plan doe not apply.
Products Not Covered
- pndtxis not having manufacaurers' warranles mliel in the
• atOeuniewifVX62Kmarl,Atcul,ainmhistiudornnmdaotutWil W
• pr,dero rxmeud by an unconditional sath4mcnon gnarinw t;
• nt(xonard vdlclis (.such as can, tnxdnv tnotorcyclu, boob,
airplanes) and their pars, subltra al high ask, cumbnsuble wear and
runt: or mileage slipulato s (in•Ldinglrmcrim cadontun pips,
him, pimoru, brakes, Una. or mdllus);
• mmuriradduicaandtheir Ian%used for agricnhum.lardsxaping,
demolition or construalun:
• maturinuddvwinsandUdirparts wfiichart! pxnnanritaddiwsor
Rsnuns it. a nsidernial Orcomnrrcial building;
• basins lee nuns. including, bar not limhed to, air conditioners.
ndrlgenaou, holes;
• landorbuildings;
• aKOwnahlcor yrsahablcitnnz
• :mitnalsor thing platus:
• one.ed-a-kinlpnshnci;%which cannot lie mowxd;
• ionspurdlawdfor nsalc,prok•Elonal,Oramunew6a IM
• inn"bit under installment bylling (cxM):.Uxra:purchasedfront
AnxricAnl Fxpuuti Mirilrmulise Se cos); and
• Pmducs with manufaau ets warmruiua, ot combined
r andacturewsw•arrantits And survdce plan agnurnrns, pawing in
cxaac It Cite bads.
Occurrences Not Covered
• any, physicay datage. mcludingdamati as a din..l rook of nauml
disamerur a pmer surge. cutlet to the celery lid manufactures
yramnty esmn daring'
• Occunencs causal bye am•of the full(aving fraud: abuse; w•aror h(x-
911Uu of am kind (erg, invasion. nlx1ion, Insurrection): axnfisrdiun
Ivy order d any gmmrtknt, public astlh sits, xcunnnu oBeial; risks
of antrahmul; illegal activity or acs; ridinauiwe axtaminatton:
• mtxitanneal failureawend ltrxfrrpnxhnn nv'dl;
• a (lecumauxx that take III= outside the Rapers A,vxutre plan
rtrwerage efe live period.
Now to File a Claim
Rurxrrdnr, you need to ream any Occurrence imnad iii y, including
that forlpfl; pnndtased with the card. Rutxankr ahn, mu rand to rcuin
}Karr nirr'ryns, Ux odglial matudacmmrs warrutty curd Ux pndni
imyuidng rpalr until Ihr claim pm= is amgrkfe YYw rnn alit k
asked to dnhuin a repair esiinnak.
1. Lill loll-free 1.901}1!5-;750 to nxif)• us of yourdaiin (owNn A- e,
call collect at 1-30.i-273-64981, Note. You mast rq'rori)vrrrdarm aiWn -;o a&nA; ium !be rkar
1 llx program a(bniaistnlurwill (kcide whetter to have the tuirt
repaired or mplacaL or w redn>bttric you (cash or cnslit) up to tic
anomnt darged to the card, and rho! k card tike original purchase
prime. The Hoye s Assurance Plan does not mlaw om- fir41ipping ml
ha(dI Ing expnsm or installation. aswrrdnly, or other st•nirP. charges.'
Vole: A101xrymeW AV hr rmdefrr inmilkl drain rw r&rrrar Ord
snhvvml&ved br Mr manner ralmbal!>f• I& Jymaer.
3.1wk must return all re(Fxstcd dicumentaLon within 60 days for i the
date Of (wsm nce W remain Hignlte fit soutane..
4. For sank claims, you may be lepuhr xl to send in the danugd
ymdua, it your aynuse, for furthereralnasim of nnur claim.
Note: !f nrpiedd.. jnrr mi al mind in A, derma gvd pnxirrc[ mAin
30 dr)r fawn l (iiie of requot to ,"Urn rilgWcfor auwerage
Additional Information for You
Ill- lrnt(itspnnirkll tauter the Ru}sra Assurance flan applyonlyto }oar
and ALUdunal C.2rdnKt111xr. im yourActutud. (hdy)on and those persons
have arty legal orospuiable right remedy, Orclaini to h wiranre proceeds
and/or dainaga under or arising front die Buyers Assulant:v Plan.
Subjucl to the lem s and conditions of the Ilan, if Ilk. (anktxnl)cr is
notified that wwwarrakm has ended fur arty remain (loch as Irauknaplc•
of 4x manufacureror other reSpnnEbk party), the Ihntrs Assunna
Ilan will amdnur to pro.* cow?le not to !,Strad one star (rum flit
date theCatdnomber6tlebliedeasuch inotitl.11>LCanlitxinkrmay
be asked to provide pmt( in the f nit of a public anrio a cot crw or other
otfidal ikkaummatko
'oxBuy'sAmurwreIlan isnn&r rinenbyAlfFlAssnrana•
Caxttpany ("Irlurur'), Adnlnatrdtiw Olficx, Game Bay, w?esarui n.']III%
ducumcnl maws only as adca01ition ofavnr w and is not a policy or
aattraddinsura Ice; die actual tms, tyxiditkinand exclusions of
Policy Aa1953 ("policy") gwtM the Ihntr's Azurance plan. llx folly
has lain issued t0.knarican kxpm" 7iastt Related St rixes Linnpam'.
hr. ("Anorican Rxpros'), the nilighddec This doamtmt mylaces all
0d-Oingprior W riptknrsn((:amngufar the Ittlyees.Amininct: plan.
Eennah3Clak,Prtseemt Tinxalty.llu:han,Skr:etarv
.ANFXAsvurarxxWiliany ANFXA6umruxiumpeny
,1' ,i'•,1,,7-I1-0I
1. Fir lbawe ti01 cund cnndlad in die iieinth-*. ) Nw.raTh
Jmygraln, #A t nlrre caul ofa anwn1pnx4i(l Pray rlmn Ire
/mrdwcarllhroukb r&4-moon of a.ilmdnr,:bip unrwnir
(xr,Hrarn r( k"W-n -f-
2. owfif raimbursermia alher mil ryydr in :Mew, iorh,Valr recidewl
3. For &be dWtbk and enradW in Ibe.ikvdx+aiglr umvin,!r
1wn ram, /xrwnue! err rrmA7 mill Ord ralaari the rri„vard axvrAnaa/
1tdae of ibe pine irrd pri&Hj- rtreajW ibnnµb rnlr,rydnn ofa
rik'nrnberabrp Hemtrrdc program ru/enildinrr ceny'trak rq, an The
Fluid limn:, radrre6i5g, ahi/ymg and Lwirrdhrl; eyw7ror.
-1. !m/xnkrm mdefrr (dir. enrolla'l in lbememlIerddlr Hewrards
lnngranc.01tanbeyblrt Hrxrmnli pro ram rndrmJunn wiii ile
(rule anfj? br rtkMmed M, dy',>iMe awbnrmben. IfentyiG• mid! and
Lcprdd ¢•hm a Alrmlxrdii/? uoteorrb' prnlrnm rw4anldinn
cml is we bra burn han4ir(rl in nori ykgible (itnbnenbenr
a+nd/m ram-f.Irntinmilkn•.
5. Lkw,r nrd rpynir h).Mem' A4 ,Vale readentc
AMEMPAr( EXFRF s GrumMrMBEB
("rut RENTAL LAM Arlen
UAM&GE T.KkAtAWCE PLAN
Description of Coverage
Car Rental lam mKl Damage Insurance pr widmilic Qirdin:odxc if the
Canhnu her is the primary wrim,, (asdefind belay) with hsumoa
W+traW (urdamage to or thtltof ni st Renal Ainos when the
Cardinetnller tens Ilk! Card (as dk'anted below) ark fmnr and pray, for an
Ault) netted (turn my CunmKnial Cv Renal Coni any ("Ronal
Gorynarlr') othstitan those located in Alsualia, In•12nd, Israel, Italy;
)amain. and lw -Z ?lan,L'This Weri(tir is alwats (ix(}1S insurvxr.
Who is Eligible for Coverage
You art, cligibk ItT am. Moe if-,
I. You Area Bavict)rAiWiWmal(::udmunpKrwdan.4nxricalIbpz'
tatelorOrAina"Cud in x%gx:iatkn with thalCarl Or 'Tar d") has
beLn lswad ten con in ynurnn:nd;
`r
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v62r685657 7/19/03 5:35 PM Page 6
? Viet are td an xcouru s4•rluc anti days the ;:: pin idc l i.,Lr Rental
:uvl II•allev. Imirallrw as A hndil IA Ganintnikrshyl
I 'l:(Rll:lalll\T? I; and
i. kilurr_udaaymntiibilkdfmmali.Sl?trumguY14Tb1(iS.dlrila><.
APrILG(Axl.Al.GOAD,lit".rdn Plus CddUrdutmtxrwlxtisennalod
At an 1¢endiled (au }eareoAkly:, tmivxsin ntgtaduarsChail in tht•
I:nixd flatus mu1 n Rmyong aurhlstt)t•Ia?spmii(krl as a ltexfit d
Cardntanbenhip is hue eligible ftr benefits tlmlr this I4dicy
'limvrMR:ial I.tr kerhid Company" or "(ar Rental Cttipiatn'. vicans
any curniv reial cu nnlal atIrin•which netts kertal Auhis=ii r the
purinasd this I hocrirxion d (intngt; CunuveT17al Cu Rental txmptmv
hexane"Itcnlai Qnyram:"
How to Activate Coverage
Cavmgc fa deft of car lsrnap' in a Rental Attu it ae4rtRd when
die Carlhmen -r'
1. lnsrit , his car h:r eligible Gail to die Rental 0milialry w nserim the
Rental A rm. Iw making a nscriautin; or M• pladro; a hold ordepocft
at tic tame die Rental Auto is dlulalI an;
'. deciris dw-full lbllain IkuhaWlk'anwarumikv+prsall ("t7nt'')- or
pay, kr a partial uAltsion danaW: waits tfli cal tx the Itlnal Uirpumy;
3. is t hr prinrtry renter. which is defimaf as the Caa n errh r: whin s
namul an tic w•rivin agretwe t with the Renal (imlpany as the
persal rriong and taking arllml and ptlsssiatmh d the (temp Arno
('Prinnuy Riu4r'"); aid
A.list,the Card Wpay 1« to anlR• anal Rental from flu- Real
Corlipanr at the dirk of whick return.
6A-crage alntintts in diftci %tijle to (anL•n(mher nanaim to aamnl
and possession of the Rental Al lit). 4 Cardnnen!ier, whir is physically
challenged amp amble w operate tin Rental .Auto, may, be the iYanary
(tenter if IIJJM is due Cardnxnlbr enlrring imo the naal transactim.
When Coverage Terminates
Csnxrapv for Own of car thmagc a die Rental Attmh terminates whorl:
dxRelul(:umllanynsnmucm»Mlrft}MRcntelAutn,ur3oauurc-
utire days ifter tlx• Rcnul Mao sues elxCkai taut wfnidxty o earlier,
• the roky s cancel Ill[.
Length of Coverage
tsar Rental I1N and Dantalle Insurance amr• eligible Rental Antus
wthn nulal under a written natal agot mou front a Rental Qmgrany
fix IA; man: than 30c(nsamlq' days.
.Note: !n race rrtnl.*Nanari4ir belmti rkt/when The rinrlmeudx r
rwrtr a Rood:l«kr h gv)tid.3to mnaadirx dkys faun *,grrme
Nrnlul LLnr/vnr); n7(xrrctlar r>[u?xfAer ltd nriAarwl rtgnrnrrrrt a
o 4. 4irl.. or a new eviiarn r gntnrrn! rx admd inks, ma r«Aa•
in6i de it serf al.
kWiiiwall}, nocuivmge will lie pnn•kkd when tx• Prim try Rein, Irms
a Rental Auto for inane illan 3n cunk%ultw• dos unit of a 45-day pxrkxb
w•ilbin tIe sahrk gmgry>Ihie read Mualti n (75 mile r d s).
What is Covered
CarRrn(al lens aril Damage Irouravx rcimh.nr %- s rwdr»mdicr for
pmatnts kn d:+mage wi or Ile(t d a Rcnl;d AiIW that the Caniit)Lnt Mr is
i quheel to mike, up W Ilx knLrol: 11 tie arinal std to Rlair to
Renta) Al:ht 2) Ite w•hnksahc PAxjk tn1hM ntirtsWrige mid
dtlmiiati n ants, or 3) tl- purcletse hntow price of the Rental Arno
nil nix saiv thw and depnciation costs. lle con ml,+re also tounbi scs the
r;anlnxinlna for ruwirud,kcharges (Ilxe;cch:ugts ittenned at the
cktsut (ace lity Ih at Am Iistlal And aNnrnary in tx vicinity, in which the
It& tar disabilaiient took place) hnyxrcd fry th- Renal (:unipany: such
lowmgnrslora . ..
Car Rental LossmidMtni.WeIretrr trenxtrsn,(AliehireifIw
6)r exampdc. in h-r vio of A adlisiln inmhting the fanfit rehires grnLl
Auto, lkunayx• lu;nly other ddstri La Of tle hlpry of Anyone a Anything
n mtexnend
M1utr.'Iba+/xdrir dies m•Ilrrru/r l4diilitr ins•+tttr/or t yrGir«nvt
.11aPoryeY1 teueyrts « «rkr am 10)4m" team/nrcwfian Lw; lkvarrlilt•
4r«rf* 4nr or ollxr rrnnuktktl GW.rrarlwru 1$mss
What EXCESS Coverage Means
(:at Rental Ions and Damage Insurance is all t.)(CEZ imunnu: plan.
This nxarn that this FXCM cowrage will Mjanburse the f.tant mh•r
Doty kr I rs s/tagaxsys notawxnd bS' plans, such as a fanial arllisita
dmalx wxnar, airy pxrsima] auto inntmna'. •-nplkntr's Alms inwrana•
Ir nindntr\anein plan or other yaps s of insitrmlce. %'ben thew other
,nlans:yiply. a fanlnxvlhu mna first refs payiixnt(x rcimlursxnxnl
and Rot iw a dcLLmninatiwn heal ono die wiakrl time dsudh ether
I'IAns. that anygreh flans der not prlnkkec wmge before this HXr:ESS
antraw sill reirn urst- the t:tnlnicmlwcr
Vehicles Not Covered
Cm Rental puss anti Damage Instlrancedus riot cower rentals it,
• LxmnsAtcars, Much nxans c3A with an original manuf'acturer's
sop7;esad mail prin, (f $51)tAn or nxrn; wteen new:
• oollie etas reganlltss of )cs or wine, IrrJI il-ng, bill run IintiLLd to.
rhksMI tt.oryeRC. rigita sl I11m. APaula Ii- lkxlW kilher and
54-AJth.113•muuth Plsnttct Mitmbichi WC (CI', Nissan 300 LX, Jaguar
XJ5. Acura NSX, Mean'der' St., SIX S W Iv and E320, (buK and
(:un? nihk, BMW113. Zi mId n'eats, Cid11lac.Ulanle and all
Nrsch t: Ferran. lmnbrnl)ini, Atascrati.;lston Mdrtn.l.uum llugxlt,
yecuir, Shelby Ccira. Iientk7; ROIL, Rota;
• teaks, pz:k-ups, cAgx, t?rr; an+atm sans; .
• full :send rata, including, but not Rmiml to Foal fktahulino• cu (:pub
ft w, leery ken or Slalntan, C\tC 1-Anthim and Rally, Dodge Ram
Etas amp Ram Wa}pn;
• trbicks which hair been custoindrad or ntndirW Bum the
nI711if,lallref 3 faahry';hrciflCAdus except fu ibiiSr5 wiSunte
egnhmmlfotthephysicallychallmp
• whiellanstdfor hire orasmrnzdallaurfuas;
• mini-limnsed for cimunt.-rcial lint-.
Note h'.miner'r•hiou-Isms !:tie! (.ru4v,y/tai-IrrnsJ sit fiecMri•
q* eykrl.rwhnga?fwah• of *14patarrgr.+s ar•lmri, irrdmGnA, !red
rKd linrded ih. LXarlle• Wintivnn, Wtmaidt tinrµrr. /dmf Wlrndtiar
tuld.4tiarm (kits/. areanernl a>Snn n7ddjr•rrnr«rnl raw hwirnw
a'roirly.
• anti+prc cars, which nnca tr can the an: 2u yeas ukl tar haw not been
nlWxdachlRd for inn or more years'
• Iinvlusilvs:
• full-siml.yarn utility whiny including tail not limited w,
ClxrmkNCNR;sulamban.TahoeandYubm,Ford R xxhilun,
Uncoil heiigalor'fwva Laid Cruiser, Lxus (X450, Rant} Rovertr
full-sbcd ford kr(uhra
• .iwlrVUdljty'tlhtottnwhen dow:nAR-teal'; and
We: li m/trUifaYrli«li/ih ttiii6t:. biclfu& ig, bat nd limirxl to,
R«Y/f prdorrr,AYp Gnnid t k"Aw. Miss an P4invM, 7blydr(APurr
/inner, (7vrrr*4 84eer, rued Locur 7)Y WCrxul Krtkv rim mryird
alx n iftimw un/vaw/nvidc
• off-Mal w•hiclei, nrillmCkt nwepeds, na:matiatlab Whicka, god (w
nxtarinrl cads, o:anlxrs, trtiltrs and an}udier w:hkle which is two
a Rental Auol
Losses Not Covered
Car Rental less :tad Daml,T Insurance lira notaner Ioeuscaused by
tlr candb bed a by
• opxwlion lithe Rental Auto in sial:Wwl of der hens ate) taalik as, of
tie Retrial Canil)arwagnaanan Unchtdiq but not bntLLd to kill
oocioringMwen;alitY not panniuxltaopeeakthewhldepurscant
m toms of die natal agmemuttvas in Ixmusien or c rand dtlx:
ithici tic driving the whick outside of the Authorized rental terrilwi):
• leased ornani-IL,mtdvehicles:
• crisis Attdb led b the (elmmerciAl fa Ro^.tal COMpany's norrtlab
coulmddoinglaski ss;
• intentional djmW
• 11 legal ah:iiihr, such as I*A e, where the Reinal Alto was Isid fur. tar
Into Ioud in Ifit* saiyityw felt int-,
• pre:-canltngeordittumdamawurdefcc;
• Acrhol inumicatkni cot the part of the drivvc as' debrief in die state
wliere dx Accident dKarnd;
• smhwttarlytaking any, dmgorjcIIngundl:r the influence dreffm(f
that drug (link!% liken as prtsaihed or ac ministered hg A lee lor);
• war or in 11 Italy avbvitr,
• rvRvrAidty;
• catlsatimm by aullitrit};
• wear and tear, indudinggradual de4ritr•.uwin;
• lima.ewhich is due and confined III frsa::.-try, mechanical or
cliet ,al breakdown or failure unless sect d;unagc results faun a
W- t txnend by the Pohl.
• fallore to return keys to the Rental Curtgctm when the vehicle is swlah;
• tilt of tfanral t• to unsecured vehicliu-;
• theft dordamage tothu(nahorKmwtts),unless dtmagodbyfim,
inaiidais mischief, rAdalism, lrstukrt unless the kiss is coincident
with and from the same cause. acs other loss covered by tto.• RAicy: and
• off-road operaion of Ih• whirls.
Car Ronal Logs alid Writtgr bnorat0. dots r cal anr5 ;rid heldis mil
hint be paid for
• vin tae related hl repair llamas, uniss reihrhbuntinent of slRh
sales Lu is required by haw;
• dAmage W airy irhick other than tie Rental Auto;
• danc(ge to any properly filer than the Rental Auto, enliers preperN,,
(x i4us lint permammh' attacll d to the Rental An On.
• diehnjuq-tfanivicormwlhing;
• ctle7nysantilMA,wahelllxpaid forbyIN!Renal(:untlwry
or its insurer-
- espx+hxsatnralbytheCanlnrsndxr's1wrsaraIAnti) innmr,
emplarror crlprlolyer s imsutec or mahorizid dlixr6 imumr,
• vidueaddedlaxorsimilar tax, unkasmimbmrsmxmtofsuchtaxia
nCphired by paw,
• Ills of use ees hnpweal in the Rental Ganp.ny,
• dinnnidmxmlrifraim:
• arnRallaiunouy.Aforhirenrcommercial pugm-s:and
• depreciation, unltareimhursementfor do}imiatkrhi+naptndM'l:w.
How to file it Claim
A(,an nember Inus1 notify (lie Car Rened lim.. and Damage Clairra (;nil
will-fire m )4W-.3.3m-16T) In nlx U -S. unit, orcall 1-4i0-914.2950 from
oOi r hk:mklrr%wnrklw•ide, within 49burs (r a spun as reazunably
pcmible following a less.
A mprt rntatite will ansm-er any yttstiolas a (anfnxmbor may hair and
will end die Canbnrmbr a claim form whh instructions. (:tn plesr and
sign the claim fonn. Ulatiru proof d loss, which kxduks the claim fame
and All other nyulsW dexamAadaimt (Ilskd bckm ),mug be rceclwd
widdn 0) dais I''cA6mng the date lithe daniagc: or theft by Ahrteriam
Exfwm Cyr Rental !ms and Danage Clains Unit, du: United Financial
Adjusting(re (kinipany: PU Box 94779, Cle"nd, Ohio 44101-4729. if thx
prod td 1 m and oterdkxannnatitrh is ray rewind within 6() dais of
dM date d Itnc amr.(l} stray IM oknkd.
ri
Required doa(montrWut may consist of but is not firrined tie
• orsigraxland ahmpkloddAbnform;
• art haribal repair bill;
• aell" of charge slip for the rental of die Rental Auto, Rental Auto
cwvw or machine gettrratol rucipt to show renal w.ic charged and
paid for went an Aniericmi Express CarL
• a p plot noun Of alpdkalik):
• phow of the damaged tuldc1c, if 041-.44t,
• aculrrof theCanbrxanltrs,autfurnddratx) or mpkgrsauui
lrwwm coverage. ora nowriml letter stating no insurance:
• -a copy of Al client drecunv cis and roncyarnide ice, provided by the
Car iemal0nhparw;
• a ahpy of the Rental Gmpiarr s odliruiorl Rig;
• acopy fthedrixerslictrueoflht:udntYrilwaraVwatahaiedites,,
uniss the driver's litensr nunih r shrews (act the rental xgexennnn;
• a ape of de wristal rental agrelrhient front and hack, which
doctmxnts when 11x Rintial Ault was dmktd art and checlictl in: anti
• information Iwarafningto othc''rasailaMeinsuraraxawcnge(s)
(:udniember aa(eratiun with hares stated tat their kinef s is rellulruil
If all RYprlred documentation 6 not rurchaxl within brat 6w rf tM tilate
of fuss (team kir documentation which has 1101 been hlmiJxd for
IL' WRU h:ytandthe (anlnhanhers control). awurage in Ay be d mhd
How Benefits are Paid
ill Car Rental Loss and UanniF Insurance payrnwrit reimbursable
under the polta arc payable to the Cwthucinler; atilt that payinat
relay be male. it the diicretiun of the Insurer, jo nth wi the Canine iler
and the Cur caw rcial Car Rental Conpiwn when the tar Rental
Camleuly has rwA been reimbursed for the ancred pas or danlaW, or dk-
Cxnlnitmhr has notiuhklly assigned hi6Axr paynnans m die Rental
Companyor any other party.
Mote lteP*.' an7l rid bel.nd if. M1 lit due ly1asr, on tk rkdr r f
rku'ra jding, or all the rkdr (fpoknQd Greene p rtmrlyd. an), summa
due otn lnroGrrdilmo w tgmar (hie or"trr Gird 6 aniai hmP
Rights of Recovery
In to even of a paynxnt under this Kiley the Insurer is entided wi all
the rightsd rmrway drat the Cana endxt it? %hinni payment was mark-.
has agairst artabT.7hai CYdrilcmtCr must sign And dtlhrr to the
Imam Any leprd papers relating to that recotw ; tin wh tat+er ehr is
necessary to help the Insurer exercise 0wte rights And du nothing after
Ions car harm the Insurers lights.
W-bun a Carhmember ut-Wrinercial (ear Rental t unpany has been lend
darn agcy under Pcliq Ax0925, :end also trcuren from anuthet the
anhamt reanri d from the other shall h• held by that (atdm emburur
Commenial Car Reritdl (bripatty in Irut for the hburerand rrimblinod
to the Calm d the Insurers paymeae
As acondition pnoxkrtwaacr W.the(:an)mmhurisretptnd,and
has a dug to fully-ettgMrate with die hnsaiaer in mw rwLtfipbons,
a Ibmgalfon matters or legal lwaxdings by firmiding topics of any and
all legal notices and any and all AALLax:nts, including suini statements
and contributing am- other papers and docuntrms to nauinabh• assts I.
the dspa ition of the kppal mater
Notification of Legal Action I?
Vlwn a Canlnlrn lh r is served with sulu artVur suinnlors lapMrt relating
to A Car Rental fiat: And Damage claim, the (ant neirdkr must mnity
(see wMR%and phone mender under'0:dns Yt"'suction) and
pan 4k replies of the suit or samurans frpxn to to Car Rmial lens mil
1}anaA napalms Unit within 15 tklya d when tie' C.ardntshttr is send.
Foiltue to to mph may, result in denial of bonvfis.
Additional Information for You
This amrage. I% undermillen In VIOLA' Asaurincc Cunipamy (' whinier)
lluu* insuranxeNACIAWyli(tfM"I'olky )jsoulltu:knetunfgaus
TMVI RL-11W Suyins(bngoa IV. hoc anti is participating solisidimics.
al iliatts and liecnmss. The Iblicy may he changed or k•mitnahal.
this Description of (btvage is an hupunant da:unteest. l1kase Rap it fit
a salt! place. Ahhongh it de:VAINs the parent tumt ohinswano, As it
exiss at lox time cd primal„ Ws ckiannent is sex the Policy cr conlraln
of insurance.llne lemtis(ksciribed in this docnnxut are subject m all d
de 4Tnts, aahditious and cxc.IIniueS of the Iolky (meal Irv OR,
underwriter. ohs document n:plaxs arw' prior Description of Uwrralx-
unde'r the polity which may hate inn (mmishal hr I he tarlnxmAtcr.
A' • .«a??r y.a.+t
fee.
President Secnyaal•
AytE mitranee(binpany AMI:Kikesurance(brilpny
66 N-- I I-q7
1. Inv di+dx• d{cxbkmrdarnJkrl br Alembrisfyr Kmrndq (I'u
:tle7ltbcixb(b Atvurrb• Rrkmpdim aT1J1ralr 6 xwi, aurrngrk
/mrridirl unhtAa Kerdd r4rkar rerrkrl of I(ir L%rdiul.Vrilnofdnurxrr.
2 rlnri a al iii arorlr rrclpn 1,7115 n A4rnhrashy liarrr r/c
rakanplion ar@%erlfe, lbrlxrrfigp trshnq t'dr Reod ibnyvmka
arc lint #a110 lkrta rkidtnra1 and 111"&Nd.
3- !rd1gildw•1r1,! nm14din Akinbwrebip le viny', o«xTrrgr oalri
&JI-4rYieh n toe (nn/mrmber /!I penance ri .Nrrnlzrrbyr
I?mklrrhrmh7 6002 cert)ia11er014!(1) rcrtraArrndnv34i
Rarvtrdr redemrtturn arhrradeul elplo lialwh)ng C+nnmvdrll
rite Kndrd C-1001Y lnr(m)- node j r Klaw tnzrrd4 d in /Ae
MenrbcrdVP Krarrrn•4`.4 Moinbrmblr leeurmLr mk'rn/vont
I
/1
-1
i .
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i
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v6o 685657 7/19/03 5:35 PM Page 7
crrlr?iuUeGnr mdt• 1)r• rrrkxmralln' (4rjdi4(' ymlJmrnnlxra•.
Kencyik it I# rail belaul ni day a Aft7nber#P Xanuds rmkmldam
cerkhwt,lxt'bornftaymullannntii: t.'rrnlmemlxrt'
anfunrnrm•Canbnembm.
4.!Armyno4ryfh1PAAew)hr6Askri iikvi
$100,000 - $250,000 -
$500,000 - 0,500,000'
TRAVEL ACammr IN3u.RANCE
UNDERWRITTEN BY '
AMF7C AssuRANc-a :ComrANY
. . AvmWl! I'RATIVE CZF`Yi1CE,
G1tEmN BAY, WISCt)NSIN
(HEMN CAUJO " M CK)WANY")
Description of Coverage
(arvcrrd Pcrsoos: A parson shall Ix- A QNur d Puxxn undo to
Bhankt Maser tiruup PolicyAMPMR (tic "Policy) only if
L leurslx•iz.
A. For $11x),txmaxtTdge, a RasirorAddilonal Cardnkmkrwin
has any of flee fulkavtog Cnk, or it%eucnded pa)tnem kctumt
dk:rd in mnJinnclim with din drfmc kdltiwing iswkd !n
American tispnn Trasti ItclAml hnires Wniliany, Inc or its
parUcilrrdngsubsidfarks (".Ankrican 1•:::pits") in hisur Ixr
nanK..Anivricm I'-xrvL Rtw•an(s finch Card. American Fxpnit'
Prefunird Rewash Grxn Card, Amerirar Iraprtss' RcaanLi Gold
C:am, kmxrkali Fxpn4' Prdirrd Hewmnd Gold land, Aeric n
Ujxess' RusinvuC.ardAtuenx.u:l•;xpatia' Celt R&ju, Cant.
American ligla ss' ('ummunnc "'imm. American H-Tr ss'
lmdil Card, American F)gmss' Ind sMnKvI Mani*,m nrl Account
Gold Card, American Cxpnss' Cmiro CT;h Rebate CnAk Card, ilk
4surican P:rpreW Costeo Card (Ilx:): Micriun faprese Coctco
Ixsin(as Cant Rank d llawsdi (audit Ca.d from Anxrican E:gmr(n,
Itaak d Hawaii Gold Credit Carl frum Anrrncan Fxprt\ Ikea Rate
Gull. IAo•f(r Iftsirim fain Axvicm ;..Nets, blue her Saxlmts",
I:he(nnnAnx•ricanFtprtss,ltttshkL C,pitalline fnnnOPEN:
'lime 5madl Ix mm-ms Neimw)rk''`. Rusimn,,old Carl From OPF1: Tie
Small Basins, Nerwrxkw, Anx:rican Falirsi Ihsiness
?ianagemen('mint from OPEN: Tle .?ma116isimss Nerwiirk',
Rminess Mem&•rs•- ) Rewwnlr' Cant!nmerican Fsprm'.
liusimsts Purcmar.AOnunl film Small Ausimss
Network'. Ruysr s Ixnus Card. Gintinxtral ovel'ass Credit (3nl
from AmcriWan Expnaw rAny ale Card runt 011F11: The Snrall
Rusirxss Nt mad " including leginninb with Ac.axint number
37139, American Expro_is^ Nisirwss r:adh Rebuts Canl from OPEN
'Ilse Small Rusikss Nenvxk'", Urpurata lnsico Carl front 0PiH:N*
! xSmallHusile%Nowurl•". DeltaSky:Mikw Huisirnn Clain
Crrtl from OA-:N lbe Small lktsuxN, Nctwurk'". Guld licila
Sks.Yiik's'RtsinmCredit CarlfnmI)PE I)PEWN Small Business
\'ehIvrk's, felts Ak}Tiflts' Crain (yard, rklta SkyMiks' ()Irifou
CanUincrican FxprizBmuflve BhsinctiCanf from 01'F.N11)v
Small tksin_•w Nctwxk (k)Id Ancrkau Eaprss Purdulio Credit
Card, Gold Cant Gulf Ikha SkrMlles' Credit Gmj, Gold Senior
Cart Gold Slrxkni Card, Sk ztATdWp Nanirds' Cr did Carol from
Anxncan Fxpns[ Mtn)W-4&11 Xaetuvic (49 io s " Cndfl ('and
[Aim Autericun liquid, National MulUo't Sclerosis tatsdit Cant,
liptime (:aril Aarnnts, optima' Csh Remands Cad, optima'
Gok! Card, (hdima' Platinum Cud Oplala` Platinum Cash
Reirme Gard, Optima' Platinum Prtlemd Card. Itrstmad tanl,
Ruwnal Chula Card, Pciscard SAniurCant lk-waal Slndcnt
(:ad, Platinum Cadre Rebate (land, Platinum Ikha Skvlfiks' (hdit
Gant Platinum SlwpHfe CrLdit Carl front American Fspmss,
Starm, d Pillirrod Gust ('atdit Card fern Aneriam Fq)nv The
Akdcan Essl?mass" Golf Card,1}ic Fideliiv Anherkan Fq-?`
Card, 11x• Fhleliw Anwrican Fs1m,<` Gu:d Card. lh Ilihm
Hilonon" Platinum Credit Can! fnm Aredran Fgmnas.
Hingharnun Strings Yank (told C,ndit Cod from Ahxrisan
lixpnN%, Binghamton Savillpt Bcud Boss sass (:ndin Ca(d fnim
Anwrican Expn>s.11e Ntw• York Hufik"and fnwn .Nikrieau
lispmas, Ile Newyork Han)}n fanl fro-1 Ankrinin Fxpriu l1mc
ti111211 &sines Cad fruni AIxrlCan Fa1'.nis; or
b. hip•$250.(X)lady?cake, a Basic or Witimal(iminxaiderwixt
has a Rmv;rr(k 1'lis Gold Catd, Corporal,- Xewank Plus (rind Carl
w the ettermdd payment Arcoui l offs, :n c nlundiom with and
issued In American Hspnn Travel RelatsT S¢rvkxN (bmpramy; hK.
or its participating
h•r name, or
c. 1?n $5()1,(X)YI corvnyope, x Rask or Additional C'anlnlumin rwlw
has a Pladinm Car'. Fiddih• Amricall E>duen Plalinumc-AW.
AnkricanFNprtW InresNxmlMamugcrlxauTatmtuttI'latimum
CantAxrican FsprnRuslncs PMlinum Card' from OPEN: 111L
, , H &Wrress N dwxk'". Itxns Platinum (:and`, American
P.xpnss Platinum I'mamciad Sonia Cant I.AC RIC Platinum or
the erkrt(kil paymmt.Aenmm uffiatd in a njmmdiun with mud
usued]nAnieicinExpro Travellid2tdticniasCompany,Int.
, its par itipatingsuliAiml?. (••Ancriro Fx)as.") in his orh.•r
nave in a Platinum Card Accu u i. car
J. Fur, f 1. i1X)JXK) ottxrr(er, a BasK or A'dili(oad (ardnxmhbrr win
has a rcourion Can',. Nerkau ExprLo launrcss Coituriun
(?anl' from uPE,V: lee Smal Rmafntss ritwok"' or the exitndW
payvmcnt Account otf(nd in omijurKlimilkidi and issued by
Aniencan F:g)ras Travel Relatal St•rvimr Gxnariy, Inc. or its
_41--
participalinx s(dsidiarim ("An-i- F:u n•?.") in hit, Inn nan.
on a Ctnlurkin Lard Account or
e. these(clue, Drimo k; PaMtr urdyteudinil child under agr 23 of
any edigihle person dmijibd in dal, (h), (c), (d) aMnt: and
2. his or her PermasmilRrsidmtris in the il)United States ofMrrirr,
lnititiiadCulumhra, I'ucrW Riao, urlt.5.51rgm Is[anrts
Definitions
"Aati(k'nC whirxmer mad in this I'oiia m(rns an urxspuand c%tnl
whd caiues injury and ihafl dsm include yslhsum nsulting from a
mishap on a (kirnnwn Catier (kine)amQ rem wihich ilk! CaLnd lemon
s traveling.
`WhIonal tardnk lib r` nears anv irdividuai Ow has rraivd an
An-don Fapnss C'anl of the relui%d a Basic Car memberfa use in
Wrxwnkrt with ilk Bask CanMknib is American LTiess Quit Account
"Anxri(-m I•aprss Card" shall mean, unlsa'; utlmerwiie slxcifiuL am of
lkCalLsorAlaannulieu atxni•enderCDAvre-dlerv,ns
' BaskCardirmub t' mears :my itidhidtnd who has asked American
Fg) tis to eSte une or nnm American Iixpnss Canis suit wino hr an
Ainumm FApmv Card Anxium.
'f:ummonar r(bnneiwice"meansan:air,Iandorw•alervdide
(dher than a naval i bwNed to tarry pasvenpos for hire and avallabk
In the public.
A trip is a - (Ahered7rip" if
1. it fs a trip taken In the Qftmil Per iii lemruh the point of d1 iarlum
and the final tksdilaOon as shown (al the (km rrtl Persons lidws or
wribadim itsvod by Roe Wilinxrt Carrier fainyermxa; x»d
1. the l;(wtinsl Person entire fare for such trip on Unt Cummun Gurfrr
Cunlrrya KA: ha M'ni aawdN charged W a MWIli: American 1;nlmas
Crud Accent prior to any Injury:
"Ilunx ti Partnter'ream)ersonof the saneor (mxoitegemk:raho
nkL%die following rcquiremcttts:
1. has shard a lestd.na with die Basic car AJdititnal CmVili ilhr fir
the Tan 12 monde and phuts locuntinue doingsa,
?. is not ntatritod to-any ater)enrn And is rut eonmilxd W another
Iknxstic I'uu)r,
i. is at least 14 wan old:
i. is lint relakdwthe Basicur.Additional(ardnxmberbvbloodcloser
than would tear marriage per stale lam: and
5. is financially intunleperxkulwirh the line or Additional
Cardmuniber and documentation of mutual financial suplW such as
coldu of joint home inTiership or ease, commmi hank accounts,
crzlitcureor xi%, t&wnrssaeMesupgdir(
"Injure" mcua but ilr injury which
I, e;coumlbrwiAmidailwhidmaurnwhietxerauulPemn's
insunince, Is in hxm uruler the Fulicr. arid!
2. l(suhs in bus Insured In dx• folic, and
1. cranes a buss doe, dincdy and lod(pendmdy of all other causts, h)
Such uai(luihd bodily injury.
"leruanerttRns kiss'mrustheGntned(vrean'zampriman•
dwctling plate, ahem Ue Gwirei Item lemiancntly rsitks.
Benefit Amounts
is a bmie# of 6edrtwnrlxrsf yl, Tlx: Gbrmrl /hunt raill n matter
Wiit10,drl(;r1fX1,1100 1150,(XX)-F500AX) (1,5(X1,090
tklgerrGrtgon the hyx• of irnericrm F:ayw (irnl.4armnl it.ft/ki
u(rmxe ilk Gxnrmm Currier Limrt3uarceJrrefnr7Ae Gruvr(rl lFgi.
1luare neftr)n the Gmrnvd Persons sedrnn of Ai l)(acryrion of
fi,rtrige.. j)mlrare.sk'Unnntrcnlrilbmt:.611nt4nf(rumµeuly,ues
n)rurr:bneriuni 14nncGirl, placte(mrturl!&r:reskimcrSerike
Girth 1rf1-frt. number Bled on the bx# e.f.)mrr Gianl, ed,,o ,s4xrtrr
on)mnr Gad.xrlcmiad
LiNe )(1 roc's'
Irss d 1* $100.000 P-10,000
Divnemb(n,niml
luadboth lnamtsolxhhJed thionou x'250,0)
lass of ok hand will one foot $1001100 $250,000
lursofentire siglnofliulhL113 $11Au0W 1250,000
Ina lours sight of one a *w
andtnehand orale, fat $ll*tXYJ $2ro,009
lassufot,hand or ate fool 550.000 $125010
loss4endresight ofineeyr S5(1,IIW it 2i,0()0
))role of L.wyLt
I,mdlikr SSW.WD $I,iW.it01r
1);•mwnbviinerl
I.asof bothhalhdzof hdhkm $50(1,000 $1,SW,ftp
IusOF One hand and one foot i9ill.0(p S1,i0DA K)
IAmofeiiliresigtOfboth cyls SW.m SI,iW.00a
Issss,I-tIMsl)Jmof one etc
andmclwmdoronefoot MAXI SI.W.0til
hm of One hand or ourfoot 1250.01 $'SO.000
trssofnoiuewghtofonemv $250010 $?SD,IW
"lase" u trail allow with nee2nxe W hard or foul means emymktle wid
permanent sneranee through or above the wrist or ankle joint and as
used with reftruice to eye nears the irieaAtr bye loss of the ends c sight
of." ki I LW.
$1DDAD-$250,0W - $500,000-S1,5o0,tb0
Maximum Indemnity per Covered Person
In no eo'uhl will nlultipk- Amafean Faints Cardsobliple the 0mpran1
W pa)' for moue than one loss srsnaincd I+y any ak individual Cuwend
Penn us a mull if any One Acc(Jut. The Gollp art s Obligation under
t(., IAdit.• win he d,*-,r,xd :.xvnli,y(no ia., i,rxh-, .nw,un[ payahl.
under the specific Amrican Fapms (:art adualiv used to chalp die
Common Carrier Conveyance fare fur die (kwend Trip as stand in the
Nemelit Amounts.
In no swill will a leer ruin an Injury %tile cweratft• u in furor order the
NoAW94BrlWig&theGxupalnwpsi- hene is underIodiel•
ATi094q, the (Attrfixm's Rudhhs Trarel Aocidtrx Insurance Policy, in
addition to any berx•Ills payable by the Gmparrunder the Policy
.AX(P)48. The.4ncdcui Fx)hnw Curls listed undi-v this Tories do mul
ncehrcovirege umkr Pulicy.00419.
Accidental Death and Dismemberment Benefit
The Ccmpam•will pay the applicable hors dit amount as teunirirml from
the'['ahk• Or IMN if a Gm:rrl 1'trvn sill" a loss fnnn an injury w1ule
cuveragc iv In trace udder the Policy: but uittr if such I A& ooeun within
IM days after the date d the Accident which cmtvd to Input'. ll rxfits
%ill he paid for die greatest L(m. In cu edit will to unip my dray for
own than one la6shttainal Myths Cownd Person as the gilt it any
oneAccdent.
Description of Benefits
Common farrier /eneflu Thu Wichi u payable if the C ,toed
Penstin sustains Injury as a result of an Aeciilin which occurs while
riding wkly as a patiam sr in, or boarding, or slighting fen ur bring
struck by a Common Lamar (bnw•vanae uxsl on a (an red Trip.
Exposure and Disappearance
If Ur Cancrd 1Rr:axh's unavvltL•ddv cgdxed w tr elcnmxsmts Mcau4 (f
an Accident ul a ( vrod Trip Aiicli rrsuhs in the clua illearance,
sinki rig or wreaking Of dk 0im utm Carrier Convi nnce. and if us i
nsidi d such (xpos nt., the Gmrsd R•ison suffm a IAm kurwfikh
beo4lts an: otherwise pavahe tinder 1M, Policy, such hiss will be mind
Under the 1'tliq.
If the Uivered Peron d6apgxrn ecru w.. of an kci&m m a Gwenal Trip
which htsrdlsinVie disappearance, sinking or wro:kingdthe (benri m
Career Cunw•}^atta, and (f the (Ammar t illax s body Ice :wt been found
within 52 winks after the date of such Amidmi, it will li posunied.
subject to there being no tdtlelce b the taritrM; that flit. ('attmd
person stdferLr! Ialss Of lift: is a Mull of Injury cmered by Uk Policy.
Coverage Requirements
.A Covered 14rsnn will le filly irsurd for benxdlts mtkr die Policy while
oak ng a trip on a Cunmon Carrier Co mtyanae Only when the fare has
Ixrndiargn)W6eslxciffcAr.6canFg)n%%Cmd E2q(iMliakmrowcmIle
will remain in Act as long as dx• definition d a ti tend lino Israel,
Premiums
Tie pnamium for this coverage is playable byAnicriean Faprtss.
Exclusions
'Ibis Policy riots )xt renvr any Iws carted or contributed loth (1)
inlentionallyscGallitdullnjury;wkW era ya0(mplthcrat,wllk
sere; i?) waror tens tut dwarwikdty Jo:hrul a whokclansl: hvwrn?
any as committed In, an aWtil of any gmvmnkmt party. or (actin
engaged in war, ho
llltcs, orotfkr%addleoperations pnnidmdl ctieh
eal
afpnt is actingsts:rlly and riot in 011nedion with ally oryxration if
sailed furor (wtxilla military, natal or air toms) in the. country wixre
de Injury oerursshal) ref he deemed can act dinar, (31 Injury W which
7 contributory saute was the milrobsioh of or alitsrgd to commit an
illegal act by or on behalf of the Cinmed Rram ox hLVlxer ler6dariM
(4) Injury rem-MA wile aeming as an yxerahr or new member OF any
amwyarM (5) Injun• retriwd while drMTi& rkkng as a paaimpeer in,
Mzudingor allghtrhg (ten a rmtal ehkle; or (b) skkmss, physical or
nxmtd irdimdty, pre gnancy, o any rtxdf rf or surgk al Ireatnnent fur
etch attdiUoxLi, unla treatnment d Uk rendition a rrpuind as t e
direct result d s sxwerrl Injury
Beneficiary
A Itask lanlmomdxr mxyok.igmdc a bereFxFan•tr ehauip.• x pnrknldy
(ksignaodIxxx4kianfor hinr gMxrxifandli&/hrspand)unxatk;
l anrxr and deptri kart clklR'u w1m are not also liasic OFAJdfikat:d
lardmunbc s. An kkHG(nal Gmbnanher maydms gnat a Maxlician' for
hinncl0loixIlfwdhiv1xerspouMk ncilicfannerarildLTmoknt
chi Well who am tut alw Basic IrAlfuoaul Cardmembers orspxstsr
li u l5lic Partners ordgamdrt children (f Mask Cwdm mbra lio
pcrs(xu other than Iltlaa; stated above may,&ignate or eringc a premusiv
tksignated kmcfcimly. Fur such designation orchartge W Mxaxnc (leant'
a written r(TM m a kit satisfactory to the Compram: mast be filed with
kneri are Fxprts. such de Plaliun oxc anpe MI talk Axi m of to
date it was slgoad by Ue dttignawrpnniled t ni it has bin weeiwd by
.4m risen Express. but any irnmxml dpnuats ma a Ill, the Ginhpany
FriowntciptOf such "goaiodchange lint] fullydichmWdie
Oompany to de era of such pxgviait
Claims
Milice delaim must be given lo) AMIN Assurance (bnilians•, Claims
Administrative(tfce, M) Box IWIS, Gram &n; IN ;4.307-901H within
20 days after the occurrence or eunmenarnrnl deny lass e(nrnd by
the Po)icy, of as Noun fle=hLr as is r(awmaldy p,.ssibe. Ndice giv:n by
uronbehalfdtk- claimantWUbeCompanyatisAlndnkstratweCffim.
or w any authorfnd alsal of the Company: with inhommlot sufficient
to id-tih the Ctwcmal lkr Rl shall la; de+rnd rxxla W the C-pany
Paymem of claim
Benefits; fur lays of We of a I:(wsm) Piusut will k paid to ilk' dsignalod
b rxliciary, Dme•Ht for all other I.(ests wstutiLd IN A fanned Person
*Al be paid W die Qntrul l'crvo.If living oherwisc to the16ignatid
beneficiary. If mum than one Ixrxlician' 6 design AIM :dad lh:
1162 685657 8/29/03 7:37 AM Page 6
heneficlark.,- nslaruve intents an• race grtified. Ilse &MLmaksl
lrnefriarim %bulI clear: equally. if tut beneficiary has Ixcm rledgntaud.
)rd the dtaigrakd tniud'idaty doer nJl suniw the Gnentd I t rson. Or
Ixrxfits will by paid to the fin•1 Surviving elm n(the following: I l spe.ust
o l.xumastk: Paruhcc 3) chfldrcn, trptal lr rye stigtrs alsd 3)11>r ?.
In lrratniniiigsttch dessert or lman.llhr Ccrcphom nay rely (qam an
affitlasit by a memibu:rof arty of tic cl•.ma of preference be+nficfades
deseribost vtnnr.lMytnxsnt bawd hpatn ashy strdl a?idavil shall hdlg
rlisc'h:vgc Utc I;unpnatty (noes all ubkgaGusa ut^,ir Uc 1'olkt unless, hsfoR•
'tiro paynnstt is made, the Gorttpnm has mtaavvd at its Alnninistrdiu•
Office uTmen nwircdu valid dakn by some z4her posson(s) Any
anxaini pay.dhle to a nninormaybe p:lid to the mirartx krtl guardian.
Time Limit on Actions
No urtlon a law' err in tqunq slna{k ht• bmughtar rosvav wrier Une I'ulin•
alterth•ety" ralinnsefhnxn ,Ilwye?slutemurbtnfad .Matican
=•v,na'liusw aCmiurhxt(and'"fromtlpEV'110mull8tsinaas
,wwvrrValerOneUmr.writkrhpoufdkm'r:-required to befunt6hrd.
1'1x• henefits ele crilad loran are subiat to all of Or kmn and oadi iam
of the 1Wk}11iis Inawiidkn rf co%cr W n tillaus arty prior 1) wipliwh d
l;ottiage ainidr uuw' haw:lxe n bntiOul in c lmat'lkin with the 1'uiicy.
Bennett J. Ciak TmutrvS. %Ieuhan
11a,iltnl Serniary
b713-11-01-(:011
Notice to Florida Residents ltnly:'Ihe Ircrufrtcof Or Policy
Ism, iding %ouramraw am goteem d primarily by dr laves of a state
ollxr elan Iludda.
1. ! alter revdnrg !leis LAwalwkm r>jCmarmr, of, are dill u-ne
uefad htn4illead r fuuxstrKs•ryyilrisin 1"arrrArsrrnartl Ety>rtasy
cir,74 plow robed Ad Ceanmrr..Sm.4i Crnkr kdl fixr rlwrsixr•
Wallin the hest q!fnrrr flan( a1w.4m. ors nrua• timl.Walnnall.
.. REST VALUe Gl ARA1-M .. . .
141pc leak? diedthirIrm„rrtrnisr0" 1rml or 7Le!'Lrrnmrnikkrc
SI.Y. iks CmBI GmL
Program Description
IkfMAlue lnarankcrostersUtupuIegth:loxmpritxavailableun
covered nuns purtftxad emlin:lywnh ywu wlipIdc American Lghtu'c (';anL
Sirn(dy tsc Ux•fartl as tau rnunttally usxtki, v%xstswr.MU•riwn liapn»
teams am uelwine- Owithin (,0 dns, you sty :.n ikunicad item to the one
you prrehal d with the Card advrr6lsud in print (ix., new-sitapet
magacint, po itdical pxrmul, ter store DKr) vi a lever price than you
originally ix+W, cdl t-WWS?-8317 to imi aw a nywti for a Itfund.
Y'w will Own be asked to tad the dated sdvrRaenxrnl, the stow receipt
:and your record of charge to to ulthin 90 days of utur purdrasc. Price
ram iparl ism which are fnmd on the Ittknxt till not qualify under the
program. We will gladly, tutor your nquesi for a mfu>td on a vyings of
$to o noon.
1kx'c piur reguLM is apprutud well reimburse the price difliternce to
you - tip 1o Vio per item excluding taxes, shipping, and handling and
limiusi ut tau refund rgtx-A dns' ilwnt purdmtud.
Limitations
I'urchavs must be made in tdx. I lmle d Stales :uld charged in full un m ur
.anuric3u Express (7an1_ A ft-fund will not iv., p.dd if, on Uu date of ywtr
nspxsl. o stn ihw dare of wuuklbC parhmxht, ashy antottnt rat pax I:trtl
Account is pant due for one or more billing glib (s) or your ('earl Account
iti i:otterlld. Itdhnds are Lind teal to $.r501n•r ilgn std & I.(k0 annually
An kloulcll iwi n Is defined man iteni dial is txaetlyequal and alike in
every ray. ilia indutks, but is not limited w. the brand nano, model
modest materials, wexknrm ililhatd any a dated warrantywiih that
item. Any items Unit are purchased from a sour.' that already fits an
eslaldislud ItmW price guarantee program %411 not lie etmmd outer
Ikst l ?alur f uarariltx. Stem::dveltwel crls velticl refto mn v a deowni
on all ikon or tyyx%of iknts(Ace not qualify. I'i iexangde ran adverUk-
ulent daring "All store naxchantlise is 9th'; off' is rut eligible under Olix
pnrgrms Items which art, sold as an irk:h dvt•,;fxct3l Offer, suit as, but
ntahnniodat.a"kit' Packaged:d"or"Iu:sUtslikrn"xncrulw]igibk.
Pw' eyan ,ilc' tan athwtlvmcnl whl:h thffcn aUnxmnk r with a fat
Iriryxl and OM1119 cast' i not t11011c under CAN progrrmr. Rebate and
scrap m oifrrs:ire nix eligible. Items witidh k e been twtun il In the
wFIC11sml an not eligible for covuags:. Internet price Nn ghariwm rdder
uh rny:uul all elrrtnxdc ctennuunic limn wf,.,?se sow cu irncnls, but Is
not limited to: wchsites. de mode mall fnoronUored factimiles, ortdher
distribution networks. This program doss not apph to any adw:Ritnxrhts
dated heliere your purchase tr.sae than 60 Clays after our punfhase.
Yet i ate emended to one refund rghxst per Wan during this unaeffrAme.
Ikons not anetusl area. animals and thing plairmone-of-a-kind items
(including an q%^ artwork and fun): limited gtt.•ndir hums: h(wtts
dwt tlr:uhe•nkt+rnxn _k, can be I e ,e h-l with std, only;
dtnwnstrrion items; pving-wt-s(-0tainrsssales items; "dismminued"
ikmu: anemmahle o perishable items with limited life.parts (.vxh ass
brand limitd ttx itcdome, ligln bakes, sn)n-ns:hurrdA- baus e'l:
Ir%wlry find ding. but 1101 bmixd wr, kxm pf•nts, prtrkxas awes.
nasals, awl Ixarltl; w^?klas. senate-. anil ulkiranal exist. (sudh as,
inallaUun chal>;m warranik.,shlppu% uixa, or ear rentals); rare and
predate ad n; sum(e: us.•d; monk and rch.rbidtal items; cellular
ph-- pagevs: lic kis of any kind: trawlem choda; nohrlrad vehicles
(suede as an. tracks, mowicyclec loam. or s:gnlantsl and their nvR
dual and Inlildings; rxgo ul k instruments t std as pnntismry n tEst;
each and its equivalent.
if you have any que0clins regarding the Iksl Value GuarAm a: pmgrant,
pksnx call our QWwtrcr $tsyiie Iklatarnwilal 1.190.557•g317.
Note. Bear Willy Gaamnke tr crmurdr rml arra7aW ter
hikrrwhionafDarkerActmmG•with dial: ssurinlbecuaruuwkdI:S,
Prurkt Rim. ar lhr teal: Iftier idmub.
e 20S.Aniwricn liyrtcs
o-
Verification
(Name of authorized representative)
is -- //V -?
(Title or Position)
for, A-Y-,) 4:!?k PA--1-Y , the within Plaintiff in this action, and that the
(Name of Company)
statements of fact made in the foregoing Complaint are true and correct to the best of the
undersigned verifier's knowledge and belief. The undersigned understands that the statements made
herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unworn
falsification to authorities.
Date: ? 2pe?
William Douglas
Name 051Jr?-D? 6
372508862411008
n ?
t
'r`t
L,tw
A
N
DOUGLAS LAW OFFICE
57 W. POMFRET ST.
POB 261
CARLISLE PA 17013
TELEPHONE 717-243-1790
American Express Centurion Bank
Plaintiff
vs
WILLIAM P. DOUGLAS, ESQ.
Supreme Court I.D.# 37926
In the Court of Common Pleas of
Cumberland County Pennsylvania
No. 2006 - 7276
Civil action law
William Douglas D Jury Trial Demanded
Defendant
Preliminary Objections Pursuant to
Pa. R.C.P. 1028
1. The allegations contained in the Plaintiff's complaint are not in
compliance with Pa. R.C.P. 1019 (f)
2. The allegations contained in the Plaintiff's complaint are not in
compliance with Pa. R.C.P. 1019 (h)
Wherefore it is prayed that this honorable Court strike and dismiss the plaintiff's
complaint and/or order the plaintiff to file an amended complaint in accordance with
Pa.R.C.P. 1019.
William P. Douglas,
January 25, 2007
AFFIDAVIT
I hereby swear or affirm that the foregoing is true and correct to the best of my
knowledge and/or information and belief.
This is made subject to the penalties of 18 Pa.C.S.A. §4904 relating to unsworn
falsification to authorities.
Date: January 25, 2007
f'? ? rJ
__
_. ( tea. t. 7
4'rn
Burton Neil & Associates, P.C.
By: Brit J. Suttell, Esquire ID. NO. 204140
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
AMERICAN EXPRESS CENTURION BANK
Plaintiff
V.
WILLIAM DOUGLAS
Defendant
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
:NO. 06-7276
: CIVIL ACTION - LAW
Entry of Appearance
To the Prothonotary:
Kindly enter my appearance on behalf of plaintiff, AMERICAN EXPRESS CENTURION
BANK, in connection with the above matter.
Burton Neil & Associates, P.C.
By:
B 7t J. Suttell, Esquire
Attorney for Plaintiff
The law firm of Burton Neil & Associates is a debt collector.
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BURTON NEIL & ASSOCIATES, P.C.
By: Brit J. Suttell, Esquire
Identification No. 204140
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
AMERICAN EXPRESS CENTURION BANK IN THE COURT OF COMMON PLEAS
Plaintiff
CUMBERLAND COUNTY, PENNSYLVANIA
V.
WILLIAM DOUGLAS
NO. 2006-7276
Defendant : CIVIL ACTION - LAW
Plaintiffs Answer to Defendant's Preliminary Objections
1. Denied as a conclusion of law to which no further response is required.
2. Denied as a conclusion of law to which no further response is required. By way of
further response, plaintiff attached a writing to the complaint as Exhibit "A" as evidence of a
written agreement.
WHEREFORE, Plaintiff moves the Court to overrule defendant's Preliminary Objections
as per the attached proposed order.
BURTON NEIL & ASSOCIATES, P.C.
By:
brit J. Suttell, Esquire
Attorney for Plaintiff
In making this communication, we advise our firm is a debt collector.
Burton Neil & Associates, P.C.
By: Brit J. Suttell, Esquire ID. NO. 204140
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
AMERICAN EXPRESS CENTURION BANK ;
Plaintiff
V.
WILLIAM DOUGLAS
Defendant
IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 06-7276
: CIVIL ACTION - LAW
Certificate of Service
I, Brit J. Suttell, Esquire do hereby certify that I served a true and correct copy of the
within Plaintiff's Answer to Defendant's Preliminary Objections on defendant's counsel,
William P. Douglas, Esquire at his/her address of record via first class mail, postage prepaid on
the date set forth below.
Burton Neil & Associates, P.C.
Date: 1?4Nt? q. ???'? By:
grit J. Suttell, Esquire
Attorney for Plaintiff
The law firm of Burton Neil & Associates is a debt collector.
78961
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PRAECIPE FOR LISTING CASE FOR ARGUMENT
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Please list the within matter for the next Argument Court.
AMERICAN EXPRESS CENTURION BANK
v
WILLIAM DOUGLAS
Plaintiff
Defendant
No. 06-7276 Civil Action-Law 2006
1. Matter to be argued: Defendant's Preliminary Objections
2. Identify counsel who will argue case:
(a) for plaintiff
Brit J. Suttell, Esquire, ID No. 204140
BURTON NEIL & ASSOCIATES, P.C.
1060 Andrew Drive, Suite 170
West Chester, PA 19380
(610) 696-2120
(b) for defendant:
William P. Douglas, Esquire
57 W. Pomfret Street
Carlisle, PA 17013-0261
3. I will notify all parties in writing within two days that this case has been listed for
argument.
4. Argument Court Date: April 4, 2007
Brit J. Suttell, Esquire
Attorney for Plaintiff
In making this communication, Burton Neil & Associates, P.C. advises it is a debt collector.
Burton Neil & Associates, P.C.
By: Brit J. Suttell, Esquire ID. No. 204140
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
AMERICAN EXPRESS CENTURION BANK : IN THE COURT OF COMMON PLEAS
V.
WILLIAM DOUGLAS
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 06-7276
Defendant : CIVIL ACTION - LAW
Certificate of Service
I, Brit J. Suttell, Esquire do hereby certify that I served a true and correct copy of the
within Praecipe for Listing Case for Argument on William P. Douglas, Esquire at his/her address
of record via first class mail, postage prepaid on the date set forth below.
Burton Neil & Associates, P.C.
Date: By.
1(rit J. Suttell, Esquire
Attorney for Plaintiff
The law firm of Burton Neil & Associates is a debt collector.
78961
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AMERICAN EXPRESS CENTURION
BANK,
PLAINTIFF
V.
WILLIAM DOUGLAS,
DEFENDANT
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
: 06-7276 CIVIL TERM
IN RE: PRELIMINARY OBJECTIONS OF DEFENDANT
TO PLAINTIFF'S COMPLAINT
BEFORE BAYLEY, J. AND HESS, J.
ORDER OF COURT
AND NOW, this LAA-k- _day of April, 2007, the preliminary objections
of defendant to plaintiff's complaint, ARE DISMISSED.
By the
Edgar B. Bayley, J.
rit J. Suttell, Esquire
For Plaintiff
illiam Douglas, Esquire
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BURTON NEIL & ASSOCIATES, P.C.
By: Brit J. Suttell, Esquire
Identification No. 204140
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
AMERICAN EXPRESS CENTURION BANK IN THE COURT OF COMMON PLEAS
Plaintiff
CUMBERLAND COUNTY, PENNSYLVANIA
v.
WILLIAM DOUGLAS
: NO. 06-7276
Defendant : CIVIL ACTION -LAW
Plaintiffs Motion for Default Judgment Pursuant to Pa. R. C. P. 1037(c)
Now comes plaintiff, American Express Centurion Bank, by and through its undersigned
attorneys of record, and moves this Honorable Court to enter judgment by default on its behalf
and against defendant, William Douglas, and in support thereof represents as follows:
1. Plaintiff filed a complaint on December 26, 2006, to which defendant filed
Preliminary Objections.
2. By Order dated April 4, 2007 signed by The Honorable Edgar B. Bayley, the Court
overruled the preliminary objections.
3. Defendant did not file an answer within the time provided by Pa. R. C. P. 1028(d).
. _.,
Therefore, plaintiff, American Express Centurion Bank, is entitled to default judgment
pursuant to Pa. R. C. P. 1037(c).
WHEREFORE, plaintiff, American Express Centurion Bank, moves this Honorable
Court to enter judgment on its behalf and against the defendant, William Douglas, in the sum of
$35,924.36, plus the costs of this action.
Burton Neil & Associates, P.C.
BY:
BriJ. Suttell, Esquire
Attorney for Plaintiff
In making this communication, we advise our firm is a debt collector.
BURTON NEIL & ASSOCIATES, P.C.
By: Brit J. Suttell, Esquire
Identification No. 204140
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
AMERICAN EXPRESS CENTURION BANK
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
WILLIAM DOUGLAS
Defendant
NO. 06-7276
: CIVIL ACTION -LAW
Certificate of Service
I, Brit J. Suttell, Esquire do hereby certify that I served a true and correct copy of the within
Plaintiff s Motion for Default Judgment, proposed Order, supporting Brief and Certificate of Service
on pro se defendant, William P. Douglas, Esquire at 57 West Pomfret Street, Carlisle, PA
17013-0261 via first class mail, postage prepaid on the date set forth below.
Burton Neil & Associates, P.C.
A
Date: By: Y
B Wt J. Suttell, Esquire
Attorney for Plaintiff
The law firm of Burton Neil & Associates is a debt collector.
78961
OD " ;Y
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WILLIAM P. DOUGLAS, ESQ.
ATTY. I.D. # 37926
DOUGLAS LAW OFFICE
43 W. SOUTH ST.
POB 261
CARLISLE PA 17013
TELEPHONE 717-243-1790
American Express Centurion Bank In the Court of Common Pleas of
Cumberland County, Pennsylvania
Plaintiff
v
William P. Douglas
No. 2006 - 7276 Civil Term
Civil Action Law
Defendant Jury Trial Demanded
Defendant's Reply to Plaintiffs Motion for judgment
Pursuant to Pa. R.C.P. 1037 (c)
1. Admitted.
2. Admitted.
3. An answer has now been filed and the provision of Pa.R.C.P. 1037(c) are not
applicable.
Wherefore, it is prayed that the motion for judgment be dismissed/
DOUGLAS LAW OFFICE
e
R, (.?) L
William P. Dou s, Esq.
Affidavit
I hereby swear or affirm that the foregoing is true and correct to the best of my
knowledge and/or information and belief. This is made subject to the penalties of 18
Pa.C.S.§ 4904 relating to unworn falsification to authorities.
Date: May 8, 2007
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WILLIAM P. DOUGLAS, ESQ.
ATTY. I.D. # 37926
DOUGLAS LAW OFFICE
43 W. SOUTH ST.
POB 261
CARLISLE PA 17013
TELEPHONE 717-243-1790
American Express Centurion Bank In the Court of Common Pleas of
Cumberland County, Pennsylvania
Plaintiff
v
William P. Douglas
1. Admitted.
2. Admitted.
No. 2006 - 7276 Civil Term
Civil Action Law
Defendant Jury Trial Demanded
Answer of Defendant
3. Denied as stated. It is admitted that the plaintiff and the defendant entered
into an agreement. It is denied that the documents attached to the complaint
represent a true and correct copy of the agreement between the parties.
4. Denied as stated. The agreement speaks for itself.
5. Denied as stated. The agreement speaks for itself.
6. Denied as stated. The agreement speaks for itself.
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7. Denied as stated. The exact balance is controlled by the agreement between
the parties.
Wherefore, it is prayed that the complaint of the plaintiff be dismissed and judgment be
entered in favor of the defendant.
Respectfully sub itted,
William P. Douglas
May 8, 2007
Affidavit
I hereby swear or affirm that the foregoing is true and correct to the best of my
knowledge and/or information and belief. This is made subject to the penalties of 18
Pa.C.S.§ 4904 relating to unsworn falsification to authorities.
William P. Douglas
Date: May 8, 2007
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AMERICAN EXPRESS CENTURION
BANK,
PLAINTIFF
V.
WILLIAM P. DOUGLAS,
DEFENDANT
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
: 06-7276 CIVIL TERM
ORDER OF COURT
AND NOW, this Z? day of May, 2007, the within motion for a
default judgment pursuant to Pa. Rule of Civil Procedure 1037(c), IS DENIED.'
J. Suttell, Esquire
or Plaintiff
illiam P. Douglas, Esquire
Defendant X
J
sal
' The docket reflects that an answer was filed by defendant on May 8, 2007.
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Burton Neil & Associates, P.C.
By: Brit J. Suttell, Esquire ID. NO. 204140
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
AMERICAN EXPRESS CENTURION BANK
Plaintiff
V.
WILLIAM DOUGLAS
Defendant
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
NO. 06-7276
CIVIL ACTION - LAW
Praecipe to Settle, End, & Discontinue
To the Prothonotary:
Mark the above matter Settled, Ended and Discontinued.
B n 70. ss c' tes, P.C.
By:
ttell, Esquire
Attorney for Plaintiff
The law firm of Burton Neil & Associates is a debt collector.
78961
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