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94-07081
SUMMARY Of INSURAnCE coVeRAGES UH IrHHlls'ltYIJU Of VUur tll'ilJlp!l<.itld(Cl"ilIIII10 "I'IIIUlIl, YUill [PUII'~I:lale (1lUll lu~UO lJ~ flAge ~billGI 10,1". loti. Mh, W-A NY, url. PA.tllll U. .11N III III N.ti" ,Iwl OK, iUO 11 in Fland MO,,1nd vjIUla"t.111II11J\lUIIIIII1l1~IlV(:llUltJIIIIIMI.tIIl.tC~ud~llJl, Gh~.I0eoal" ~luswlll p4)' IhlJoulst.lndll11J lll1incH 011 your acoounl.~ 01 lh. dalo oldlUIII, up 10 SIO 000 SlIIc.u1B l'i r.ctUl1N1 UtOlll in Cl, ME, MtJ. MAalld MU tile CQitlliJVI' COlwelllS loaccidel"i\ll.l~U\(OVl1liJuoln^l, AK, Of, HI,ll.IN. ~", lA, MO. MJ, NE, IN. NU, Ott SU,UT aIId vr ill olpD 65 (ago 6G III IA. ~uc JO in ^' Illd OKlo OI\ly Ihe r\lunJP( .ppllunll' (o~eladin CT. I.Il. M^,IKIVr. DISAlILllV AIlO UNEMPLOYMENT IENEfIlS: II yuu blCMW dl,,~I.d 1I110'Dh an accident 01 tI1~ess. and JIB IIndo! il dotlo(:s cart. and cannot 'tN/k, 01 becolne tawu\unU Illy unl"l pllJ~,tJ, CI\1JOIQ.ud flU5 villi m.ke you I sl.;lleduled 1001lllnl101 monl hi)' paymlllh un yolJr Ictounl whl&e you lellUlIl dl~Jl.Ikd OllllVolunl.alllt 'Jt1~lIlployctJ. U nCAlploVl1lenlllld [)in bllll't bO/lllt h be~III' allt:f 311 con~!;l ~u\iVD d;l',!o 01 unelllplQ1f111'nl 01 Ihlbillty and all! relJ(lIc..tl'lc 10 Itle Illsl ddV 01 105\\ Utnohh alII tu~od Dn 111ft o\ll~lo1ndlnv balarlce ~'j of lheddle Qllossand vlllltr,mtilluo IIntll YOU! b,t101rlcll~ pJldull. VDO Ifhllll \0 wolk. 01 WIIINC.h lhe m.uler pollC)'llIlllts 01 $IO,OOO.whlchrmr occur:> lillt 'hen benul~' ale only aVllllbllJ 10 ,he pllmllY 'Pllhta 1'1. tkllehts arft no' pa{JblD an~""C!\I$CI owlt during lhe tlaUnpllllod. R.lirlnlt:nll\ 1I0\,ot'lI8d. 5In~f;:' aJlll Juor dl'putes ale "~COIJCled laAR, IL iml NY Ullemplo'~monl OOVdlaQl ts nnl aV311Jule \n MA,MN.oo PA. 01"b111lj covorag' IS 1101 ""I.blo III PA InCl,NY ."d lX, b,nelll."o 001 payiblt 101 uJlemplllymlnl tJusl."d by: noonal SUlSlllldl uncmploymenl, yolunlary lorfeihuo oll3lary, W';:\J6S orcmpkJym.nlllltOOlO. 01 by uluulllty. YOIl 81' cll~lbl. for theSI CO"lIr3QS' only if you aru employed tull.t\me In IIlOII'liIJlSOlloll occuflJ\lOn (1111$ lloo..o..onal QCrup,liolln,lllcllon does lIul 'llPly In /lJ, Cl,ll. ME, MA, MI, MI, NM, N'1', OR OJ RI~. h.ldlllorl.ll Bx.c:luslollS appty plNSlIDJd yoUl cOIIlIII:JI. collclully. PROPERlY BENEFITS: II nllu(;lIlndl~' IlUIchl~cd on VOlJr iLCwulllls llJmaQ.d VI dnt,o)'od IJy Ilre.llood, bUlUI.lry bV lorciWe ellllV Lil bV ,lilY olllle lIlllll porils 1l1entlol1ljll in you I Cllllf~h', 31111 you O'llO lIlonov ull lb.1' mercl13nUIsc IIn yoU! atcuUlll, ell,r UOD a 111 PluS. WIU P'Vlha cust ollep.t.iflllQ Of replo1ttRQ lour "lc'tIlJndl~, tip 10 IlId Ic~nr ul $10.000 or the hiOllcsl b.JlallC1l 011 your accoun (10 1 X, Ihe OfiQln~15alos Plitt 01 \hll ,"OPlltv). fle~<io consult YOll' cllltlhc3te for details ollhcSt Ind olllO! rontllliunl which 1I1i1Y apply. ~Iopelly t(Wl!llQS Ii not 3'1all1ulllln MN A minimum :J:muunllinolllced is, fCQUUed III thu lollowifl9 rJatcli ulllare lilt' prop_Illy t(lveraoe and chargela10 Ipphclbhr Alab3Jnl $,300; (;ololado $630; Illaho $.'.lOO; Indi3llJ$810a'ld WyollllnQ SJOO. URM OF INSURAnCE: Ihl, ,",,,,go ~"Olll" ,lIcel'" on Iii. ~.I' i011 ,II.'<I Iii. In'iUllflt8.llslopliil (1) Vou are more than 90dJ~ laleln rnJ~lng Ihe lequllld 3CtOUIl\ paYllltl11:12) Youa~k fUI it los!oP, In wnUng; (3) Your 1f\5uranteb tonnln.1ledaCtoldlng 10 lis lenns; (4) \plopertyto\lBllfJll only) 36 months .ltllllhs melcbandl50 I~ pUlchased Oil your accoun (e.llt.eJ,lt In NY and lX), Madrnurn enrollmenl aOII$ 6411l JlIllJles oltopl as lollo'l/!: aue 6a ill CT, 10, IA. ME. MA. NY, OR, PAa"d TX:69 In AI, GA, Nil, O~ ,,'d SC. .lId 'D' /0111 fl, IAI a"~ Mil All coy",u..clldal'o.MIIIAR,CA, CO. UC, KS, MN, Mt,IIJ.IlI,lI', WA, W'/alldWY; 'Do66lnCl, 10, ME,MA,NM,IIY, OR,PAalld TX, .ge 7011lGA.nd aU' 71 III Fl..d MO CDS I OF INSURANCE: Th. mcnlhly premium lor Chilgcgard Plus Is 891 pur $100 01 you/ outll.rnllllg bal.nre OA your aceollllllll ,lIolilos CKC.plaslollow~ 8061111 CI: 86.5,10 III. 751 In IA:B4SllnM{;57.9,'nMA: 95elnMI:29JUn MN: 78.51InMO. 7501ln NH;SSllnNJ, 7S51111NY; 19 8,lnPA(7.8' UI.,121 PlcpurlYl, 8mn.SCa;;! 85.71111 VT.l1I. monlhll plemiuIII will bo chilged 10 YUUI crl~11 ca,d accounl lhls cOYe.aOtls nol ~vailible In Nor1h Cilolinl, VIlglnl1 lAd WisconsIn COIJIJlaQD Is undel'Nntton bv I\mt'llcan BaIl):lIr5 Lile ASSUlant1 compiJlY 01 Florida and AmElIican O.mbli InlurarKO CompJnv 01 F10l11a, l1Z22 OLlclil RDOSI OUI/O, MIJIllI, f10lida 33157, by 8'IIKersAIII,,'canUI, Ass'lalle! CUlllp.1I1Y, 011' IVolldTlad. Celli", N,,,Yolk, ~IY 10040 \IIY IJI. '00 DI13~i1ity "...rag. olllYI, 'II; byflllalltlllln.urance E,chanD', I 1222 Ou~1 Roost O,i..., MlllIlI,l1ollcla :l3157\IX Pwp.rtyco,,,aQ' 011", "II IO'IIIA82222MI(1).0792}.ln lX, the L1leand0i5l~llilycelllll(a'. lI,mb" !sACJ!8 I, CD (3.50 and3.5J RAI..II; Ih. Ullcmplojlllen' c"lillcal. "' mile"'" AOOI39CO.079t and 82754EO.IG89. fOR APPLlCAnlS WISHINO 10 OBTAIN SEPAnAlE COVERAGES: ~op""le CO"'iIIl" It I nOllvlilablo I.. MO. Oi~,ullitY ,c(Weraga IS only aV.lll.abN lO.lJ.ijtIic.anls elet1il~ Ule Co~erdQ6ln CA. TX (Iud Vl: Oi<iabllil)' i111lJ Unemplovmonl coveraQes are only 3VallatJk 10Delh" ill Al, AK, DE, DC, 111,111, ~Y,lA,I.IO, ~JE, ND, OH, 50 '00 UT ~ .1tuu-, Pel9 Latut <<dd SNAP-CREDIT + NO ANNUAL FEE . NO PRE-PAYMENT PENALTY . CONVENIENT LOW MONTHLY PAYMENTS + ADDITIONAL PURCHASES MADE EASY WITH YOUR SNAP.CREDIT CARD + ADVANCE NOTICE OF SPECIAL SALES AND PROMOTIONS . LOW COST INSURANCE OPTIONS AVAILABLE I'ART' ,..,101 Prilll't'l :1:".... EXHIBIT I 1/1' SNAP-CREDIT CARD AGREEMENT REIAIL I~S1AlMENI CREOII AGREEMENT t. [I.llnllloJ\J: TIM dellJlitions hIed bulll'tl ,'pply \\'ht.'i~~'U 'Aie lJ:;t Ih"Il! \lMlll~,tn fhi~ AjJleemllf\:.. Ne", 'll~" Jm1 \Jl!(lIleiln tl(lnu~l.Iln CI~t1jl CJrtJ8,llIk ot G"'niitl,l. ?640 Ros\\'1JJ1 Rei. Btl1U 100. SUlle 210. Ros\\ell, GA 3OJ~O "(ull" ,lIlll'yotJ( l1i'\oIr'! C.ldl prllonwho sluned., Snap-Credit t:,lld APllli':,lllun:(..h~1111 C,lrd,\l:JlwTItnl u, \Jlher'AiI'i8 JQrl"tld 10 l..IpC" a Crt'dlt CJrd AC('I')UIII WillI lIS 011111 t'.lCtlIHl~OA \I~l) I, ,ll.IltWil:C\.I to use . Smp,Cttdij Card ^ccollnl rAccounl") hl.\blist\l:Itl l\'f ll~ ~(,;ft'lJil Card" rnl'3rt~ li,t! Credit ,C.lrd Isslud IOyou by lIi or OlllOlSSlijnOIS tOjll,)w \'{llllo nl.l~O rJUlCtlJSt,!~ onr It"!lf 110m Ilmd 10 lime WliltJ' your Ar.t.:ounl. nil eltr!cll\'1I dale ollhl~ Aqfffmcnlls I~e dJ1+J V111lWrovl'd II Snap.C/'tdll C:lld AppUCillwrvCr~'IU CJld AlJrt'fmenl '((Ill ~~'Ied or the Ir5t d.1y, ~PApP/o~.. illlfxhns(on olCfedlllflr J pllfChillC hVyou c'/Kleflced lly J signed r.tles S,llp or OlumorJnc1um or OlhoN,JSe made Wllh a C'dlJll CJrIJ. PIr"JSiJ ,told' Ihl, Agreemff"ll Clll1fulty. be.cJuse by Siijl\lllg the ArJ!4I(.llion 01 U51"~ (II uCfpliflt,llllfJ Cledl' C.lId YOIl will bit i1Qrcemg Vlllh lI~ to el,\H)1hlng wntlen htllll YOII i1gu'f 10 use )'0111 Account only lor person~l, famll.,. or house~(1ld ~urpO!it' 2. Plym.III:You will pal( us 11lrcretJrt we l'x1end ollyourboh;dt lOp.3ylor all ptlr[hJ5C1 (mc./tldJng mall and pltonlt ordprs, II any) madll bV you. .1nd aU O!~Cf .1mOlJnt~ uwed 10 us undu Ihl! lllnns 01 IhlS Agrecmtlnl, WII.A lhllltt IS a l).lllllC, due. called lhe Nrw Sdlance, o~ the nlonthlv billing !IJIe:m.nt t' StJlemcfll"). youvnll Pol)', il1lnne !orre~ctpt by U~ \lIllhlll 20 d:l~! .1f1er tfh3 B.tUjng Dale ill Itlasllhll minimum p,l'flllenl cillled tor PlyllNll11will be credlled a'i Qlltte ct.,I!) at I~ceiolll Itle 2ddr~~ \111 file oa~mt>1\1 slub 01 ~OUf SIJlemllnld 'ccci\'~b.,.9.uOol m.(J~em TlnleMoudJ~ II1/0110n tOOJ'j' lo!tlt!ml~ n~lt buslnc&sdJ,/); bul If paym.Jll15 nol in U S. doflals, ni)tacoorllpilJ1ied bV Ule f'lJ)'menf Itub or not ,ectivM allhat lo~.tion, credit may be deJay..-d up 10 li~.~ da~s 3, FlnlllCl CharGIs:For all Slales, u.cepl th054llistf'd be-low, when your AC(OllI11 hasa bdlancl sub[ecllo Finance Charge, we vliU charge a Ftn:lrIC8 Charge (,JlcIJIJI~cJ 00 IhlS b.11anCt Ila monlhly periodlcral~. Your monlhfy smiOdlc rala Jnd COfr\J$pondlng annual percenlaQ.,IICYllflv.1ry, WtJ~1I11 adjtJsf such rales horn time 10 lime based on lhe hig lIesl blllkpr1mt Joanlaleu pubr'lhoo In Thl!Wall S',~el JmunJJ in Its MonS)' Rille' sKllon ("oumd fill'") oOlhe'aSI bllSinel':i dolYol eacllcalMdal month, Vfh~11 'h~ primll lale on any suehdav IS &% 01 less "par j'ed', we will cr.'''f' a monlhlv pello,hc I:ltlt 011.6~1o (ANNUAL PERCENTAliE HATE 0119.8% \vh.nlh. p,ime IIlOon.nv,uch d.1y Is gre.ler Ih.n 8.... the monlhlvperiodie mi. "II b.lil2 ollh.lol.1 01 (I J Ih. prim. 1.11' on 'uch r!.ly. pillS (2) 11.8",...d Ih. .nllll.1 pm,nl.g. 1.I.w,1I be lira .um 0' (1).nJ (21, Whcn.w.ma~eatJtJngeonlhls baSIS, lhe Re'" monlhly pl!riodM: ral,wIII be applNlll sll.rtlO~W1lh lI1e IJrsf complete billing penod alfter tile IJsl business day 01 Iho Pflvious c.1Ilndar mon1h, An Incleaso In Ihe monlhly pcnoolc rille :md ii'J corrcspoodmo annual perc.nt.lQe r.:lle mUlls 1I1al you may pay a larger finance Clmge ,am' iI decrt'o1s~ m~ns Iha.1 you ~ PlY 3. Smallet Finltl(l3 C",lIg~I.1S descnbed lOOvO. 1he cunent mOlllhly ~"Iodic III. und" INslo/m,b is 1.6!l'l'o.nd Ih. c"",pondlng ANNUAL PEA. CENTAGE RATE Is 19.1l'. In CO. IA. ME, NC and WI. the monlhl)' p':llol11C fJle and cOlIC5pOndll1~ annu,ll percentage fJt. '1'1111 nol vary, Wf '1'1111 as.lj~SS iI Filuncl ChJrgo in IM~. slates on the b.bllCe lII~ecllD An.nee Cl\lrQ' at lh. m'ntl\ly pertedrc"l. 01 1.50/0(ANNUAL PERCENTAGE RATE 0118%).Aminim'm FI NANC E CHARGE 01 $. 50 will ill as.sesscd 101 allY billmg period In which a finJnce Ch.1r(le rB1ulbftll 'rom ,)l'lplic.aIIOI1 of Ihomonlhlv penodic "I~ would'" ''''Slh.n $ ,50"c<pl In CO. IA. ME. NC.1Id Wi.lh,re will be nn minom,m FI,IANCE CHARGE. 4. 1.lance Subject tll FIIQRtl Chllgl,: We \',lllllgu,e the Fmdllce Charge Qll your Actounl bv.pply1no Ill, monlhly portoo,c ,a1.lo In,"A""g. (Ia,~ 8,1,,,,,," 01 your At(ount (iAtJudl,rlQ cumlll purthases, e:tccpl In ME), TooellheAyefa~t! [),1l1y BalJnco. WI tak~ the beginnIng b;al",nce .01 your ACCOtJRI each rfd,/, vlhich incrui1~s dO.,. unp.lid rrnanco Charges 110m tt10 prellloos billing period. l!JCt'pllO CO anlj ftC. Jdd :m'l new f.lurc~,)SlS (~'(c('pl in ME) and sublfJcf .111'1 pa~mcnf$ or cr.~rtll!i, Thl~OIVl'S IJS !he d.ll~J ~,Iance Lale Paimenl Fcl.'1, RellJlnl'd CheLk fee_I) JM lnsur.me! premulfllS {lIe nul jlldlld~ Inlh1! d.illy bJunc" 'h~nwe Jdd up illltlcdaityb.,IJnct~ rOllhe ~1l!1119 period ind diVide Ihalal"l bVlhe nlflJlt).!r cr d.1V',j In Itw bllrUlQ ~Ieliol.l rhI50i~e:.>us Ih~ AlflJrJl]C Oall'l Balance CG41(2.';.Il966.,f,N 5, W~ln fll1U1C8 Ch/iies Segll1: New p~1L11J~o) OIr. 1l1dcrJ m tJt:letllllninQ Ih. dJlr)' ~.Lll1c[J"j 'rM' ~..ll1lnLljr:! =l:'lncc ChJ,~r~ flum Ihcd.ll~ they Jilt PO$ltld IIJ ~'auJ Accounl (t'xCtpt III ME' Uhlir ;51:1 pl:Tlod In wlllthcrr'tlll t;dUllkil nlJ~' be pJdYlllhoullncJHIl.... .1 flnJme ct1Jl1J~ 111 MI:, nt:W PlJlchJ~e:i :":' :lli! In .1 bllrino ~l'fi{]d JIlt 1I,)I.r1drl1llt d~It'fJ1111l1110 the J.Ji~ tu~es UliI1!101tIJlb, I~; ~~rlodandtJo flul b_qillla J~\:ruC.lrillJIl[fCh,1I0e lJI111lthe ~l,)rt 01 'fro fOllowlnl,J r~'~"'l 6. Mlllfmum Pa~mlnt Y':d jJrelllo p.~ Ih.~ Minimum raynu:rJl eJchlinle we "iltndyou a slJlemllHt ilod anv p.lsl dUd amOunl(s)_ Illd Mil1inlllnl Pil.yrrlenl wll' b~ dolllrminlld J{cordilllJ 10 Ihe Newl BJizWCf showll 011 your SIJI~fl19111 a'J follo\ll5 /IId.lml $2510 $1,49999 51.50010 il.999 09 $2.000 10 $3.~99 or $3,600 ,nd g/"l<I M!nlmlllDhm1lnt Th~ gf('..lliJr 01 $25 or lfl-1oIUldrlc\V8alJnco I/JO 01111. N.w Bal,ne. lr.l6 01 Ih. NOli B,I"'. 1i4Boflh.rJm[l<llallCe Wholl 'lour Nw o.alaflc:1 is lesslhlt 125, you musl pay us Ihe lotal Now 8JtanCf. You may '1.11\' lim. p'YYo", "II.. bal,,,, In full" m." Ih.n Ibo Minimum P'lmonl, 7, CI1.ng'ln Tllms: W. m,y d.ngo anv I.rm .flbl. AI..om.nl orodd. new IIrm .1 ""Um., l""ludlng :l111lu fo I~o mlnlm,m p'vmo'l..h.dule('I.'I~. Fin,neo Ch'I~' railS, Ind may J~plvtna nlW le,mlloanVlmpald balanc:e.s, IS Will as to.nv 1uIU/0 10110"'. unl... ~..hlOned by .ppU..OI.I..., WI.. "qullod bV .ppllcell. I'... w",III,..il y., n3l:ce 0111. 'b.ng.(.). 8. Clfldll ArportJ and Ac:cu>Tt Inlo.miilllon:Voll olva us permiSsion loobtJfn consumer fL'1KHlS 110m COl1sumtl' ri)onlno agencies III a)nsidcring vou, Applicalion and fOf lhe ptJrpo5eSo! illI)' updales. mnmals. ~'enslonsolcredil 0' coilcCUngtbeAc.counl. UPOIl your ,oquesllo uS'1 P.O. Box 103000. D.pl. MCS. Ros...II, GA 300/6, ,.. \,,11 inlo,m you ollhe name illld addl ~ so, each ton sumer leporting ag.ncv Irom which WI oblalllld a consumer fL-port, if a:ry.llLllil'HJ 10 you. We nuy 1150 oblaln inlolfndllon JbctJl yeLlr clldll wonhlnCS5 3M e:npioymollllfomolllBm and m.:ry IUlm~h mlolmalfon concerning 'IOU, Account itS wel13S if1fllfl1\1lionconcelOinq \'l.ltJ loconsumer reporting agencies arid 10 olhcr plOper paltle;" .\ j'tl!Q311...e tradil repor1 lel1eclinq on you, credit feCt'lrt! may bo submlUetllo .1 credit rwortlng JQilncy if )'Otl lall ta fulfill thB lerros at YOUI c,edit 01110'11.... 9.R.lum.d Cho,. Fit; In 111, ,!.lIes listed 1'10".1<10 '0'" 10 p.ya R.lumod Che<kF.. If anvcheckolothu Insl~mcnl for pavmelll on.,.our AC'Counlls OllumedufJpaid In Al AI. M. CO. DC. a.ItI.I_, MI.NV. Nil. W~. NV.flO.OH. OK. OR, SO, m. ur. VA.I'/A and \VI.lhisch"g. w,lIlH SID. In CA.lhlS cha,g. ",II b. $5. In LA.lhischoroe Ivill b. IIle 1"""015% Dllh. eho.:k 01 $1 O. W, will nollmpose 3 Relurn.d ChICk f.eln ,nV .!.II. noll~led._. 10, lat. Parmerll fBl'; :l1lt!~ SI.1ICS li5te~ below, you agree to pay lh~ 'allowfng Ule Paymenl Fee on Ucll Ins:J:~i11enl nof JWd in full wntl'lln 1 0 d.1y~ ollila Payment DUI Date lin NC 3D d.)'. .nd in 10 .nd MS 15 d.),s) of Ih. Paymenl Duo 0'10 shown on YOU; S!.II.m.nl In ,IJ<. fL. GA, HI. NV. NY,OIl. OR, RI. SO. IN. VI .ntl WA, IhiHh'rvntll be S/IO.ln KV .nd NC."" 'h.o;, w,ll b. $5 In WI.lhis r.hlf~' "I,ll b. S2. In VA. lid. .:halcav.lU biJ ~~'.(i:t IhtJll!ililquenf In'ilaJlmenl, In CA.H1d M".lhis ehargowill beS% 01 lhedellnQu~nl illSl..!ll1lCfil or $5. whlchcwri'.i te~. In Al. AR and 10, Ihi'chJr~ vnll be 5;.', of !tIt! delJl1Qurnt InS'2'IMwt or 510, whichever i:s ftss. III LA. this charglt \'fIll ~e 5% clllle dehfllJucnl inslallll:enl CI $15. whictlBVt!ris le~l. In I.'~, thIS cl""oewllt tJ1t4% 01 Ihe dclinQuetll inslallmenl or $5. whlchevcr is grcah.lI.'n OK, this chrlnJlt will be 5,.. of IhoJ Jl1h.nqtJenllnstatlm';l: or it '1.. 'JIhll:hevtf IS grc.1ler.ln UT. thlS(hdrge 'IIill be 51'. 01 Ihe delfllQUPflt Insbllmenf or $15, whlch~r Is CJIt:ltu Wtl \YII1 not imposlt a lOlle Pdymenl ff.:1e In any stll~ n11 h~lcd abolJe. 11. Slltlllrl'tjl1lerest;u.(':!~llnI.lO (lor p4l1cl\.)se5111)dcl $150j.'IIllNYwhere \\'IHtont'J1 fcl.)ln any ~lIc\JI1I'1 inltlf!!SI. we 'titU hJ'Ie ilpurchase ma~~1 SotlJlll,/ illleresl in all nlelcha~~k.ilpllrc.b,l'iMo.l~aUJ Acco'JnllJlllll :;lIch Incr(tlJnr1ISlJi, p3.td inlull, llvoudo nol m.l~e Yll'" MHjIr1,urn PJymml o(lllm~. we m.:a'( f~p~s.tSS only 1110 lIIeldlJndi~e \..,IIlCIIII.15 n~l b~11 p.4d fJr in rull, 10 l~ (:11%1 PWlIillcd b~ lLlW, WI! JYf~e 111.11 no JJlii~~~~ iiUU I I i..~=~ffi ~~n~~ ~ ~ ..!~~~~; ~I fa~ ! ~ ;l11Ji'jEjlX:; ttL~t~ ~ 11 ~!~i~~5~ #n~~l~ ~ ~ ~~M~~u~o ~~~O~H z 4 ~ f'~.Q ~ ~"~a!~ l tJ~!i""lf~~~"B~"'l* !r~2,O ~G h ~11 ~ ~~:5~l:?l;!;t!ii:l!El~li: 1!l:I1'.S9:>>I~I!l~. !!i~lD::lI~~ffi~P';lC~~ -"!illS -M ~ j SWt:a: Wt:C1 ol:!ffil:! \;f<-th .9U -' UoIi5: ~!iJ~ !:: . l]~gl\,,- ffl'l ~ ~ z >-:::! ~lj ~\~s~lfhh!~ ~~f!~..5i;!;,ia1t~i ~il~l~ i];; !Ofl' lhIli ~: 3~ >-l;ttM.s(,,:) mt UI~ z: c - !=c (.,) - -' CI.. CI.. < I- - CI w a: (.,) , CI.. CC :z: (I) g g ~. 1;0 ~j lll!" ~9 i~ Bd h~ 911] iti& 4~l! hi ~~'l: -Ij ii~ ~li~ iU 'ijd ~!I l',!lilJ j"U 8'1i tias i~"" el )!." -il ~ ~llli lil~ fj~ 1!1!O :bil !l-1!lJ ~jj. ~Q l!1!.. !ij He ~.!!~ ~li- !i 2J ;;j ~.N.>1 ~};5 ~jjO =~~ ~U3 r~rll--ll-H_-~ ~ 1"- ~ ~~ ~ '~~jj[; I~ D kj -no '. ,,; Q,:r:-c' ~;c I ~~1l~ . ~~ (lli I I t[ i r;;I!I R 8J.! ~ ~ lJ ~ H ~ H f l!i :tv! ~ ~ l- 'I,d 'Iir ,n,~-, ! I ~ I ~. ~ I~r.: , , '2nU i I I~. I li~1 ~ r.:~ . Ii I i Ii ill ~I~i 1l I 't.. ail 0 Je I .~ ~ ~ ~ h i~ e ~ .. ~"' ~ II 'I!r.: ~ \' I~ 1j j i ill~! h _ " ~ f ,~~ de rl:' ~ I iJ.. 'I ~ ' I;;: "3! ~ ~ I ~ \r ~ "- I'~ ~ i ~ ." \1 t Ii" E " j ~W~ ~ il f ,H l . ~ ~ l~ i l S1J~_~ ~__ u iP! h~~ iUJ(i: llc:l ~~~a li~g lln dn ~ l~ ~~ ~ fi~~ ~ .~~~ j :!""1l ;= ~~~[ Ii _~ .t nl~ ~ it~~ j "d;ld i ~~~- ;;) . :II a)!1:!.. t.... ~""" ~ ~;q;3 !l B~c:::p ~ Y Ii::: L~ c l\:s1i l -. ~1! ~5 .<:- .,go5 ti ;3 !2'H~ ~ 2 _"11 " tJdi'f! J; ~ 1! . fT~ ....~ ",I'l Ifl ,l!~Ii'\l ~ il!;l"'~ .;:; a!i'.g.~.5 ~ "S.!:! go l1 Glli~.9 ' i~i~i ~ -45[:!l i~ !.s,E' <S1!~ . ~~ii.~ iiB~~!i '~~o1! J lj S~ 1<,8 ~ ~.e ~.u~vs~ ~~fi1!~ ..siia SOljC'')]U tiflOA un.-i tlOl1l1Cd SIHl f1l7.L3Ci '!t1iiH t1J~13'~ na:"'~'t:I2~~~..i 'C :; ao Be..' ~ :5 _ ~l [tl~-,,~...o~~ ~o<J;~.4i' ~ '<=: ~ Co ..~.-~..",- '-~a~."'c B'g-'G';;E- ao~~ 'U6>8~at5~"'iiii n~ "'''a,;~ ~j aE.t>'S~ '~"';.:r~ ~gl'!~~~.;;~"a 0'" c IV" 0:" u ........'0 eo..~5~ Co ~ ~ ~ ~~ ~ ti ~ ~'eoil~"..; .lls~ ~l3 0.::0-. ~ n ~ ... ~ e. .... il So E 4.':Jo .00.... 21. t::""'" ~ ~ '" ~:E,.:J }O:.~GQ;;""~" - r- i7~~r.. i::~:! .::... Ii r1".~..... oe,_ '" Z [! €~~~ l:'~~ ~ 10 i R;::j~~~~1'i ~.M... I::: -~-...,'lJ""" .ll.... ~.".),J,,~i1~ "e.o; ~1~~.!~ !:;'!i ;tn.'J~~-~ ~""l - .~ 2Q ~~ ~[j e _ ..., ~ 1:;0;;-. ,,~ PC ~,]. ~g u~ _0 i;P.!!fl il E!l~l!z "~_.v ::I a. - "" e.".....k.D .s_ ~E 3 ~ ~ :: r;~ !:r: " dO- 0: _ C,g ~ . tlijH ...~c ~~ ~~~~ ii~~H~ Il!l...N .: o~~S~9 "';;:::~.;f ~ ~ ~~ ~Z~~~'L::l~~~~,~.I. ~ ~ Ocot- toC~;:c .:lIJ O~ ~uu~~~>~~~ ~~ ~~ 3t-<Q~~~=~~Q~ . ~ ' -15'" '""C><::lUol- ~~ ~~~8~~~f>~~~~ ~ " <~Cl<;;ffio:~aCl!i:~ p WCl~!lJ~~...::l;"'!2",ffi ~ ~~~ '~um~~~>e ~~ t- = ~~ z ~i ~~~~~lj~ ~~~~~ ~ _~ z~ZZC~~~~Q ".: ,^ UJ ._ ,..,Uol"'__-II' Ii~S rlJ,j ~~15 Se E~~ U'" ~~~ dG . tt~D !.i i!~ ,.,l'! - l I j .i~ l~~~ ii~~ ~ ~u~ .~ j~ g1i~ ~'e~ I> ,--' (fie J..Si I ~rfj ! ulJ I "VI =>Ii ill ti j~15 g l:a ..::; :;; fi.G $ ~J2~! .~ '/J~'i'l~ Iii .!i$~11 ~ ~Ull . ll.!lliil . i1lf I ilil >< ~~il! r;-:lI ti ..-G'!i Ui~ f~~u fii~[ !d8 ~ .. J . >> j i~ ,~ tJ ~ :ti ... 5 .3 I I~ I ~~ ~ !~ I ~~ ., ..8 INSlANT CRIDIT' for IIOfQUSIonl1 Oonolauvuhe. T. Qu>lo/y y",,' SNAPPER ",10m,,, 1. AlI)oun'1illJf\trdfllu~'uoll""l:ed$J.5UD (l"I~,".n""sIIlVOICf)_. . ._lts 2. C__~IOlJ)Cr "lOWS you a valid, 1\011 c'pllcd, pu,ulldl Qu,)hl','IIIQ '-ll'lM Uld 111;.1 yo~ .u&JIlAI un saltS IIWUICl. MASTLfICAHD VISA .. ....U' .. DISCOVER AMERICAN IXPIlESS .. .. . _ __ Oll/ERS CLUO . CAlliE mANCllE -------- . SEARS 3. You chick valid I O.and hll Dull U, 6DClkln ilt IIlJllDIIl 01 api11lC:,1110l1 _ YE5 (In "WI whlll Ih.l.w .001'1') 4. PII f,ppuc.Uoo R.vl.w CUSlom" Is 01 kgd Ill'. CU!atornor IIsled , 181ephone atlhel' ruldell~ (check to mue ~ure number Is listed in loull.liroclory). C",lomer ~Iled conlinlllllU SOUle! uf inwml on oppliUl,on. Co,lomorh,1, complcled.1Id signld .pph"~OIv..l.. In""".. 5. IMPORTANT: Cost om" his nol, III your kIlovn.dg., betnlu,",d oown lor cr.d,1 10yourslo18 o. has open MonoOlun Olnl accounlVnlb you, SlOf.. . . _ YES YES .__VEs VEG _...VEs 6. Rlv~w.d Oy. 5.l1"pOflOnsl/NTlO II lb. Ibove blo::b," check.d and.1I '1.111111101S kUl, you 'fO'tlOY 10 ,,1Id.n In.lonl er.d"ll0or. .ppro"d 10 Snap.C"dll). ThlnHou IMPORTANTINfDRMAnDN TllfrHONE NUMBERS . Clld" Appro,,1 1.01lO-388-414D 1.000.388.4I!I0 1.800.677-0150 . faxMichincs . YourCusIDmer'sOue~ion'i SNAP.CREDIT ADDRESS SNAP CREDIT P.O. 00l 631l'J r~ariellJ, liA 300G~.0309 , Rlrnenlblr: applic,lnls 1b.1 do nol qua1lly lor In~."1 c"oil pfO",,,m ~impll means \I1.llh. aW11",IIO' mu,l be coll,d 10 SNAPe"d" for i\lproval lOUR IILllNG RIa~TS KEEP THIS IIDIICE FOR F\IIURt USI 'lll~ nDtI~e cfJllt.lin!'o ilOllllflJllllllluIlIl.dlon aboul your flUhl~ IlId QUI Itsponroib1hUu "l\~t:llh(i fair Cl11llt flllln.. AI-I . . N~lIly U, 1/1 Cuu 01 hrllls 01 Questlon. About Yo~.Ir 1111 11 'lOll Ihllllc '/lllUlllU IS wrOltg, Of yCJU IM1'd 111010 IlllOflntll111n ,buul i Ifal~lClion un your hIll, VlIIII U~ lIn ol :.l~J1310111! ~tllJII it Ulll ilIJtJIf:~.'.i ~hU'l1f1 url yOIll ~lalOlOenllJndul Ullhllll IlllIlJ1fll:S Wullllo us all ,oOI&npo5slbl,. WIlTIus.l h~olllroHlYou IIU lilCllhan liO<lavs Jlltl YlI!SC111 'tuu Ihe III!.I bd1oll\vhlthlhl'tnorCI PlOl.MllIup~rjlt!d. 'l'ouunlcfephooe 1I~, liul tJmno ~u mil 01)1 VICSnVI! youllIUhb III )UUr leller, 911ft liS lhe lallowlng IrlloUIlJboll Vour ru.nKl ~'Id accounl number. The doll~r .1RKHII\1 of thll $vt>ptth:d Cfwr. DesclI1:11J the tl101lnll eJplJip, II you can, why you lJaJlrv! Iher81~;an 11101. Ii you Mod maio Illtaln\a~on, dO$Crlbe th. item yuu iHl no' WIO i1boul V,ur Rllhlt Ind Ou, RllponslblllUII AIIII W. Rml.. V.u, w~nln N,U.. IV. musl ocknowlorJoo your kllIT vlllhl,30 dll" unl... WI h.VII cOfllel.d Ih. ."or bf IIIDn. WiU,ln nu d.ya, 'H' mu,l.iU", CO"lel Ih. 0"0' 01 e>pllln why w. btllel'llh. bfK w~sco"-ctl, Atler WlltCII\l(. yourldtor. WI "'1nnol 'rv 10 colloc:llDY arnu\lnl YOIqueltloll, or IIport 'foll as dclillQue'II. WI Colli COnlll\Ullo brll you IOIU'lIlmounl you qunllan, Includlll9 linanco <IIOfg.., .nd ,YO UII.pplf ony unp.ld .IOOUIII'Ollnsl your C1ldlllimit, VOll do nol h.lO 10 pol'/ anI qUlsUoned .mounl VIM. lOt or. 'n..sllglling, bul )'011111 .IIW obIlO.I'd 10 I"y 1110 pall. 01 your bill U",I," not fn quolllon II v.o U nd 111.1 WI m.d.. misl.1ul on four bill. you WfU noll'4vll 0 pay .nl hn.nee cl",,,,1S ""I,d 10.11'/ Quesllonod amounl.lI \\'I di~1l1 fna\... IJUslw, IOU m:lf h.l'l1O P'l 11I\4I1CO ChOIUIS, .nd you will 111'10 10 m.'~ up'l1'/ OI'OSed p.ymtlll. on l/Ie qUl$lIone~ iIrUOUIII, In ellller c.asr, Wit 'trlll ICnd '~ou a slJlllnenl of Iheanlount youO\wand Ihl date Ih3Iitl~tJutI. II fIlu 1,,110 p.111111 ""unllhal wolhl,k you .''', W' m.y ..port you" dtllnQuenl. However ,II our explanalion docs flol SltlslY you IIId VOu 'twit. to us within Iltn days tilling u. INI you .un ..,.,. 10 ",y, 1'1' mu'l fellll1Von. WI lIPO~ 100 10 thai you hm I qUBslioR olboul your brll. And, 'ile muslldl you Ihl rume of anyone we rllpor1ed you to. We ulu~1 toll anyono we repolt you to tII:Jllhe malter h.ls bDlR sctUed brlwMn us when 11111a;jltjl~ II WI don'l folluw tIltslrulls, wlw'lcoltlcllhelilsl550aJ Ihequl$tlonedarnounl,.....n If YOUI bill Wd~ tome!. 5pl.I,1 Rol. 'or ClIdll Canll'\lrthll" If you hlV", pfob~," vmh Iho q..hll' 01 pr.pIIII' or 'ONiclS Ih.1 you purchmd wllh I Cfedll cud..nd IOU h...,ln.d In good 'ollh 10 co""cI Ih. probl.m wllh Ih. m.ftIlanl. you nlo1Y I",volh. flOIll nollopaV Ih. "mdnlno ."",unl due on 11M p.op.1ly or SlMC... 1l1cre arQ \'tic Irmltalions on thllr1gllt: tal You I11U~II'-lVD made the purchu! in yourboml stall 01, ~ not wl'hin your homo fllale Vll1hm \00 mllo.'t OIYOUl CUI.lll1 "alIllinQ addr.ss; aud (Il) 1110 pUIl:.I~'tc plica IIIU~t hi.... baOlllUorethall $50. ThlS.lI"il.llon. do nul.pply II VtO ovm 01 oper.I.lh. "ofch,nl,Of If we ",,,ltd youlh. 3UVtlti!'oP.mollllm thl) rlltJpc'I)' or slJIvices. IJnpllrlanlRumindor _H .____. -..--' .If you chang. ynu, noml 01 oddfoss, pl.... noUty u. p,omp1l1 s. four AcC(lUl1l can be brought liP 10 dab!. .lfyonrC..oll e,rd i,losl 01 'Iolell,p~m nOhty us.1 once '!' ~~ ,. . u .... I. . ...'" I I "'''' ,. .... ~ " ... t-" 1l 0.. ," ... 1''''0 " "'''' ~.., ~ 'I III . III "'r i;(l , II I I ,t-I- lj;:~ t J: I" " '.', ; ~~, \'., '{.i F l.t' ~Cf ~ ; ~ I. ir i , ,1~. " I 'f~ 0 'I" Q I .'. , ;; .13 . ..f' t ',o, -':L_ l!l f5 ., 0 "ffi g 0 ZOO t- MOo ~ ,~ ~ .. r .... Z VI 0. M :J '" '" i 0. r i , u U ..I~ ,ll~~ ...,~ SUMMARY Of INSURMCE COVERAGES LIFE IEHHITS'IlYfJ"'" 'fl')ur(n'~VPlltillll ((,l.illll) ru .I~IIIItC.llll, YOlJI !lll}H'~tllhl!lllltlI loa{lfl6:i {IIJD &btnCl 10, IA. t.\i. M/\.IJI.~ (H,Uri, PA,llul lX.; Jill! II) 111M. (jA.ulll OK; ago 11 inflandtAQ,Jml YllltloulllflllUh(J[I illlllhilI11thtlILIDlItMl.UI1,~C i1ud~Ul. ChilIQeOII." Phlswdl P~\' tMolllslJndiog bil~l'tCe 011 your ICwunl is ollhe dJIO of dllJlh, up 10 $10000 SUIcide 11 u:~Ul1rd ute~t if: C1. t,lE, MO. MAJIl\1 tAU ute C.QVi!fJOl" con",,1510 accident.'!1 uulh lO\ltllilOfllnAL. AK, 0[, HI,ll. IN. y.V. LA, MO, M5. Nf, NV. NO. OU. SD.UT atld VT,11 i1po(l5(ageG6I11IA. J~lI JOin f\l alld OK) OnlyUle plllllJrl IPplic"~ i. c""llIlin Cl,loIl, I.lA illIl VI. DISAalLITY AND UKIMPLDYMENI BINEfIlS: II you "'co'". dl",~I,d 1I110uCh an accld,nl 0' 1IIr.es.s, ,nd ilD undllr 3 doctor's cale ilnd unnal "'lUrk. 01 become iuvulunlilll\y unlmplo~d, Ct\illlJeQ03ld "IU!i Ylill make vaul s~lleduledrnillilllum month1v p~'fmIl11' un your ,ccounl'l/lule you Ir:nuin dl~lbkd ollwotulltanlv ul\C1I1p1uyed. U lUluploymellt Illd Din bIll'" befit fl 15 bcUlll.1IICr 30 cUnllt' ell \1\'0 00,,' 01 uncmplOjllwnl 01 IhablUty and lie le:tll'ICll'lC! 10 ltlo III" day oliOS' Ulnam, aID b~scd on Ihe O\llstil,ndlnQ b.IIancl'Oj 01 Ihl! 11.}le 011055 and '1/1,11 tflnUnue ul'llil yOUl f1a!.ncll~ p.1ld all, you IlIum \0 WOlk, 01 ~ou le.lth Ihe O1,nler IKlhcyhrnUs 01 $10,000, \\'hiclhuer O(cur~ ~III, 'hut btneld5are onlViYJll1bletollle prlrnaryJPlllir.illl, 6ent'lib ilIa nol PilfJblO ORpulchlsnm~dl duriltQlhe ell-llnpltiod. R.lit'l1lcoll!) 110\tOY!len. 5In~f;s i1lldfJtJor dl'pulls ill. Itot coveled In AR, IL and N\- UnemplO'jnulOt COVlJr~1 ts nol ilvJllJblc In "'A,!.IN.1Id PA. DI"MIIy covolIg, I' nol ""I.bl.ln PA In cr, NV Ind lX, bendil"'. 001 pilVJbl.lol uniltlplovmelll CJUSN by: 110nnJl saasllllJl ummpklymenl. VOluRtary lort.luro 01 ",Iary, W.11dS or empkn'lIIenllnUlme, or by tlls.ablhty. '(au afO cllplblelor 1heSI toveralJl!~ only I you ilrlJ employctllull.llme In t 1I011'&CiI.:iona,1 occu(1allOn (lhls non-souollal oCCUPI~OI'"Sllittlo" docs nul.1pplflnl\l, Cr,rL. ME, MA, MI, MT, NM. ,~v. on 01 RI). hldllloll;'ll C1:u:lIJsiOIlS DPI"Y "ltJ~ l&llJ your tOltlhC'"JII t<lIelully, PRDPIRTY BEHUlrs: 11 nlllfL.hll)(tl!.1 pu'ch.1~cd on 'fOl.Ir &CCQunll!. uJIl1i1Qed or dnhofed I1vlirc.llood, bUlUI,lf)' byfurcibte Ilnll'ful bYilllyollhe lJlhu pelilslIlonllonoll in VOU f Clll1r ~le, :lIIU ~uu 0.",0 UlIlnO'! olllf~ ,l melr,ll.1ndl so un your aocounl, Clla I nODill d Plus win pa'llhe co:;t olrelJjirlllD CJ' replacing lUlU IIlClthJrMJ!:;(J, lip 10 IhllleStor of $10,000 or the hlUhcsl bJlilnce on your accoun (10 IX, the O,iOUloll Sillos Plitt 01 tlWl llropa/tv), Ple~seconsult YUill ceJtlllCJle far delaih ollhesl! IIld olher t011l11~un5 which may apply, ~lDperty C;O\'l!lilQtl Ii 1101 3'/all1Me In MN. A minimum amuunl tilhlllU:tJ i~ rCQulleO inlha lollowillQ 'biOI; belofo lILt' PlOp_Illy t(lveraoo and chiuoes jllIl Ipl>1icalJlc: Alilb3rnl $300; Colorado $630; Itlaho $500; Indi... $aID,"d WY.IllIIlC S30D. lERM OF INSURANCE: llils CO'I"'O' botom" ,Uoclivo .n Iii. d.l. )'OU .lccllM Insulance.lls\op$il \1) You are more lhan 90 dJI'S laleln rna~lntllho le!lulled acx:ounl paynll:nt,t2) You a:k 01 it to stop, In wnting; (3) '{our lnr,urant.e~ tennll\J.led accoldlnQ to Us lenns; (") \propertv CO\'eu91 onM 3(j months altellhelnelc1l.1ndlse l~ pUlchased all your i1.CCQun {utt!lJI11' NY and TX). Madmwn enlOllmenl ji,ge is &4 in i111 slales exccpt as lullo'/Is: ilUe 6) in CT, 10, IA. ME. MA, NY, OR, PA.lld lX:~91" AI. GA, NIl, OX .nd SC; .lId 'C,10;i1fL, MI.lld MU All co,...g.. ,nd al 'g' ~ ~ AR, c~, CU, DC, XS, MN, MT ,IIJ, Ill, 111, WA, W'! alld WY; .g.641mCT,IO, ME,MA, I'IM,IIY, OR, PA.nd r~, ac, 70lnGA.nd Ig.l1ln fL.nd MO. CDS! OF INSURANCE: TIi. ",.nlhly premium lor Chllgcgard PI" Is BD, p.r$IOD 01 VOUf ollUllndillQ bal,lnce 01\ ~'our accClunl in ~ll fllales ma:.ept as lallows: 80.54: In cr; B6.s, in III; 75t In LA: BI.Bl in ME; 57.9(ln MA: 95,In MI: 29.3' In MN; 7B,5t in MO' 75.0' In Nil; B5,InllJ, 75 5,In NV; 108(111 PAi7.B, Ull112, PI.p.r1'/I, B7,lnSC;;Nl ~.7111l VI. Tho monlli11 premium will b. charged 10 yourcr.dll aid .ce.unl This co'ltlaQe Is nol available In North Calolina, Virolnlil and Wisconsin. Cov81age is undelWliUan bV Arnt'rlcan e.11'r.filrs Lite A:;surant1 Company ot floridil and American BJllklUs InsulaoclJ Comp3nV 01 FloI11a.11222 OUilII Roo~' Olhro, MIJITlI, rlorlda 33157, by B.nkc"Alllcricln Uf. Assur.nc. Company, On. Wurtd Trad. Celll.r, NClYVOIk,lIY l004G lilY LJi, ,lid O"'bllityc.,.,,g. .uly}, .n~ byf,nan,llllnsul'lnOl Exch>ng. 11222 OUIII Rn'''1 0,1,., M"IlII, F10rtda 33157 (TX Propcrtyc",cr.C' on,(, on IOImAB22221.1111 )-07021. In TX,the L1r. and Oisabllilycertlirc.l. 1I0mbcr r.:AC313 - CB 13.50"1'J3,53 RAI, .na Iii. Un.mplolnrenl ,,,lili,,l. 110 ",lie" "" ADD 139CO.0791 .ud 6275410-1099, fDR APPLlCAKIS WISIIING 10 OBTAIN SEPARA1E COVEAAGES: S'il'"I. co"""l" lie nol a\'ailablo III MO. Ol~lbility ,cO'JeraOB Is ol\lV i",.lllable to.Wphc:lIlts tllcctin~ (lIe COverolga ill CA, TX and VI; OIUblhly amJ Unemploymonl CO\,l)raQes ~/e ani)' :JVallabk I.C.Il11lir'AL.AK, DE. OC,III,IA,~V, LA, 1.10, tIE, NO, 011, SO,nd UT 1/t<J.Ut ~,p~ ,eatut <<dtIt SNAP-CREDIT . NO ANNUAL FEE . NO PRE-PAYMENT PENALTY . CONVENIENT LOW MONTHLY PAYMENTS . ADDITIONAL PURCHASES MADE EASY WITH YOUR SNAP-CREDIT CARD . ADVANCE NOTICE OF SPECIAL SALES AND PROMOTIONS . LOW COST INSURANCE OPTIONS AVAILABLE rAnT' ...,101 Prtol\..J 2o'l;14 EXHIBIT , 'It SNAP-CREDIT CARD AGREEMENT RtTAIlIHS1AlIUHl CREOII AGRElMIHI ,. D.flnltlo/u; TM dcllrliticnslls.led beJlld Jppl,/ \\'ht:IN!~'U we l:~ tho;'\se wOflj~f1It1i5 AlJh!emer.:. ~ NFJ", "U)" .lnd "\Ju,"lIIun "'onO~(,lm CI~rljl CJIt.I B.lll~ 01 G~orci.l. 7&;0 RO$\\'a/1 Ad. Bktg 100, St.;llt 210, Ros"erl, GA 30350 "hlU" dnJ ''Vau( m~~:t eJd' ptlsonwha signed.l Snl,'Cr~Jll C:ud ApplicalilinlCrerlll C,1rdAqr~imilll Lr clherwl,1I .gr'~d 10 ope" OJ Crtdll CJrd AD:'I]UIII \VIlli us ;Jrh1 L".lLtI P!/SOfl \',,'0 I) JlJ1MtuetJ to us. . Smp.Credtt Card ^ccoulllj"Acc.ounn eSI:Jblishl!lJ lit U~ "(;h'llil Card" mE'arlS U", Credit CJrdissuld 10 '(ou b)' ~'i 01 ou r assiQnols 10 11h1'1I YOlllo n1.l1,OIJUrChJSllS ontrt),N from limBlo liml untl!)( )'cur A!:1,;()unl. Till elfecli\'1I dJl0 of UIIS Aqre-emcf1115 lhf: 001,) V.1 aWfO'led, SnJp.Crt~;1 C,ud Appllc~!jon..CrCIM CJrd AlJrt'r.mcnl you sJon"d or Ihe IrstdJ)' ~eappro..'. an 1J.dll1sl0n 01 c.edlt for a purchi\5C hi/You e'/~ef1ctd by a signed ~IS slip Of nwmorJndtlln or olllerni$Q made wllh a CrtllM CJfd. Plt>Jljc leJ.d lhl~ Agreement c~ r,fuIly, be.c~use try sigftmQ the ApptiCJliol1 or usin~ Of acCtptinlJ 1111 CII)(M C.ud Vou will bl aqletln~ '1'lllh us to e~llrythlBIJ writlp.ll hl;lr6, 'tOll ;lQft!! 10 ust }'OUf kenunl onl)' for persona', ramll)' or housetlold purposes 2. Parmlnl:You will fla)' us Illrcredr1 we cttend orlyourb'lhatlto pay lor all ptlrtha~tl1 (including mall and phone ordtr5. il any) mad. by you, and all ol~er Jmounl~ owed 10 us undu Ihl! Idrms ollhl$ AgltCmdnl. WtI." Iho/" is II b.ll1nce oue, called the tlcw Sdlance. on the nlonl"lV tilling SIJlr:rntntf SlJlemcnl"). yoo'1'llll p.1)', in 11m!! !orrece/pl by us wllhin 26 d.1~J .Jt1er If1tS [wllmg Oatd ilt It\aSI thlt minimum l\lt11h3nl call11d lor PaymtntwilJ be crcdiltda'j 01 tM dJl/l olu:ceiol II the ilddre~ un 1M pa~mt?n! slub ot ~'OUf SIJltmilnl r1't~h'edb.,'9.(JOa m.Ea~1ern rlnleMOtld.1~ ItlrOlJgn iOlJJy IQll1em'l!;t neJ.1 buslf1es.s d.1~); bulil payn..fllls nol in U S. d~lus. flolacC011lpallted byltl' (\a)'menl IltIb or 001 ,ec.lved ilt t~al ;o~.lJcn. credit may b. delJyl.'d up 10 Il~'. da'ls 3. Fln.RCI Ctmgu:For;l1l stales, o.cepltho5e lisltN:i below, when your ACCiJLll11 hast balancl sub[eclla fInance Charge, we vnU cllarge,l Fm3nce ChJfQI! (,Jlcultted on Ihis b;tlanCf ata fllonlhly period" ,:tlC!. Yoor monlhry periodic /3te and COfrll'$pl')n~I"g annual plircenl.1ge late Y1lllvary. We '1'lltl adjusfsuch lates Iroln time to lime based on tilt hj~nest baRk prtmeloan 1.1.le.as publlShtld In The W"lf Slll!el Jwu.niJ in its Money Rate, s"'lon ("p,lme filiI'.) onlh,'asl b:r.:iness day-of uchc;llendlJ month. Wh~l1lh~ prim!! rat! on anv such day Is 6% 01 less jle'lea" \\1 \";11 (b,Ure it mont"ly perlod.c f;ife oI1.6~/CI lAHHIIAlPE~CENTAijE RATE?119.80/0 . Wh,nlh.prlrne "Ie on.ny,uch ""y IS U~J.le,lI1an 8~,lhe monlhl~ ~erlOl1lc rala Will be 1112 of lhe lolal of (1} Ihe prime r.1l~ an such d.l;', pru~ (2) 11.B~:,. ,lAd the annual ~rccnlage ra:a Will be lhd SUlJI J' (I) anJ (2). ~hcn,\Y1 ma~a change 0" Ihls basls.lhe ne." monthly periodM: rate \'1111 be applfad S.llf1lOgWllh 1he IllsI completa bdllno penod .alter 11M bst business day ollhe prevIous c.1l1nd.1r month, An iocluse in the mllnthly ponodlc r,Ue ;md il1 cOllcspoOOmo llmull perc.ntl~e ,,,Ie meallS Ih3t you nuy pay a lareer fln3nCI ClliUgtl ,and iI decrease means thill you may PlY a smafJer finane!! Ctu'o~, :IS desenbed above. Ihe ctlrrent monthly ~"'odic Ille under Ihis IClmub Is 1.65'l'o,"d Ih. cor"'pondong ANNUAL PER. CENTAGE RATE Is 19.8"10 In CO. IA. tIE, tlC .lnd WI. In, nlonlhly p.:rlodJc rJl, alld com:ipondln~ o1l1r:u.t1 percentage rJre '1'.111 nol "J~' \'it VillI n'il's.i a rlll.)nCI Ch.:nge ir1lh~lsl.ale$ on Ihe bib"'" "'~'<IID.nn'n" CI\J"le allM monlMy periodic rale 011.5%(AHNUAl PERCENTAGE RATE oil 8%). A millionum FINANe E CHARGE DI $.50 will bI assessed '01 any bd/lno periOd In which a finance CltJrQe rnultilllJ lrom 3Pplit.1tlon of Ih. monlhly\l<f1odicraID .ould be ,,,. Ihall $ .50""pl In ca. :A, ME, NC.ndWI, Ihere .ill be nil minlmllm FINANCE CHARGE. 4. Bll:IlICI! SLlbl!!ct to Finn:! CAlIg!: We \',111 ligUle Ih, FIOJrJCQ ChJr~'3 cn }'our Acrounl by clppfylflO lhe fI1CrJll1f,. periwic lille 10 Ihl! "A~llrJge OJlt,. BolIJ{I(S" 01 your Account (Intludi.ng CtJrf~lI: ;crct11se:::, !!Jc~pr In Mn TouellheA,'c!J~~ 0i1J~ BalanCD W! taklJ lh. beQlPl'llng ba!uct? 01 'l'r:ur Account nth dol)'. vlf1ich illr./udl?s dny ullJ\1id rmar1r..e Charges IIom:tlll pre"';Qils t-Il:ing period, eJ(t'pl in CO aM tIC. add JOV 1'11;\'1 purc~o1ses (e~c("pl in ME) a~.d slJbllJcl JI1'1 ~i1~mcnl$ or cr~dlls, ThiS OM'S LJS !JII dlJly ~llance ,ute P~Jnll:<n1 Fe~, Relll.ni'd Ch~c.k re~'j .:Inlj Insurance premiums ire not lIXflld~ lQ the daily b3L111C!! Ihellwt Jdd u~ alllhuJ.aity b.11JnCl5 lor fhe ~llIillQ period .1.lJd diVIde IhellJl.ll btlhp.nll:TI,~r 01 dlY''; In [he blUlI1Q petlod, rhl:;Oi~c:>usltll'lAwrJgQ Oady Ddl~n'lf. tau 11.'~l9I1G.~" 5. WJlln Fin a"" Ch.,~n !elllrl: New Pll/C.tu::.u .1f' added jJ1 tlclerl1llning lh. dJlrl bal.illc!J$11'kJ ~',illlf1~lJr J =1r'JJ1Ce Ch3'~fJ 110m Ihe \till' '~C, JU ptlsti'd 10 ~out Accounl (l"xC(plm)'~E,. Tht!rr;s l:lperiod in\'rIl,tllcrr'dlt.:d!t1d.llJ maybf p.4Jd'IJluloullnr;~/riltlJ a flnJnc.ICh~rlJl.', In ME. nt:\'l' pUICha~es rT:lda In .. blifint] ptliQU illl ntJl add",j III delermlnmo the WItv' bal.ul(es durtlllJ 11131 bli.I,:~ pcrlCldandt.lo nul blOll'l10 aCGrucarirlJnce C/1.1roe unlllthe stll1 of the followI119 ~~.",-.j 6. MI111miJm Paym.nt y,~u ;J~rel) 10 PlY the Minimum hYl11l1ll1 ~achlirn. we Sil11dy.Ju a ~Jlemltjll ;and any Da~l due .tl1Hlunl(sl. fhll MInimum Paynll'nl will be dalrrll1ined JccordillO 10 the NI'l'I BJ'JrlCf stlol'l'n on tour SI.tl~mljJI J'i Ill/lows 1II11'J11lJn11 $2510 $1.499.99 $1.5001011.99999 $2,00010 $3,599 99 $3,600 and i",I" MInImum Pavmel!1 Till ort'..hirol $25 01 1/240111" No.. Bi1Jnc, 1130 01 Ih.N.., Balance 1136 ollh. No", Bal.nce 1;4Bolll1' N!'IIO"'lICe W~Ofl 'lour NJ1t1 B.aJal1ca i) ~5S Ihe 125. yoomusl PlY us the tolal NalY ei11~nce. Yeu may .I."ylim, p,vyo" II\lIre b.l.nceln lull" mOlO Ih.n 111. Minimum p.ym..', 7. Cll.nil In I.nnl: W. m.ych.nieanylenn ofll1i. Ai"em.nl orald "owl.nn .lallV Um., Inclullng :l1nill10 Ih' minimum p.ymlll! ,ch'dul.{.I" Ih' II"",, Cherg' rolli, ''11 may .~plyln. ",,'ermIID'ny unp.'d hl.noot, ..".11 nloellV lulu", hlsn..., unl,ss ,rohlbn,I by .ppllcablel'... Wh..requlrel by.pp""bl' I.... we"llI m.llyou nOlic. ollh. chang.l'}. 8. CndllAfports InlJ Ac:curlt Infumallon:You 01'/0 us purnisslon toobldi" consumer ,eports 110m consumer r:l~ortlng <lDancies 111 considering ,OU, Applkdllon Jnd for 1M PUlposeS of iJr'ri updalu. r~IW"'l1ls. ~lensfons 01 credit or colltctlng IRe Ac..cOllnl. Upon your requ05llo usal PO. o.x 103000, O.pl.I.ICS, Roswell. GA30076, ,.. w" ~'orm you 0 Ilhe name a nd add I!S S 01 e.4Ch consumer npof1ing 3g'fIC'I IrOIl' which \\'1 obtillllld a consumer report. If .1Jf/.IILllilllJ 10 you. We 111JV aJso oblilln intorllldllon Jbcul your credU wOf1hlncss ilnd e:noioyrnantlrom olf1ers and mJy lumi5h Inlolm.1UOnCORterl1ing you. Account as vtel13S InlormaUonconce,ninQYOu to consumerrepoItinoagtocies300 to olher pfOper parties, A I'IeQatl~'e credit repor1lelleclin~ on your credit record ma;, bl! &ubm1!led 10 ,1 credit 1~r11110 aoency il ,ell falJ 10 fulfill the ternlS of )'OUI t,cdlt obll<);olllNlS, 9. Ralum.dCMck FI!I:~nlha sidles list.d below, you J.grle 10 paj a Ri:lumed CheckFee if ilny check or othe, lnsln:menl for pa'lml'nt on your AC(;ounlls relurned unpaid In Al ~Mm~~~~~n~.~M....m~~~ iIld WI.lh~ chili' Will III SIO, In CA, Ihis ChaIQ' "ill bI~, III 1A.lhi. charII' lVill b. ""Iossoro! 5% ollhe c~"l 01 $1 O. We wiilnollmposo a R'lurnrd Ch,ckF.e/n 011,."'11 nolllslod.l><JW. . 1D, Lilla PilJmut Fu: in 1t:>J slJleS lisled bl'lo\V, ~Oll agree to pay lhe 10110'(,;no Late Payment Fu an eJClllnsu:rlllefll nol paid in full "nUl In t Od3ys ollila P~Yll1tnt Out Date (in NC 3D day. ,nd ill 10 ,"d !.IS 15 d.y.) 0' Ihe P')'1T1enl Ouo Oale sho.....n Oil you; Slal.m,nlln AX, Fl, GA, HI, NV. NY. 011, OR. RI. SO, IN. VI .nd WA, Ihi, <h.ro' ~jll be $1,50, In KY .nd NC.lh', chi'" .ill b. 55 In WI, Ihis chilie .il/ b. 52, In VA, Ihl. l:hJ.ICIl'~..ijl be ~~'. ClI the Utlmquenllnslallment 'n CA :ltld M",lhis ch.1.IOo will be sr. 01 the dellnquel'ltlllSlJlrmelil or $5, whlchcwrl:s les.s.ln AZ. AA and' ID.lhischJrg.a will be 57-', o! the delinquent los"..'l'lment or 51 O. whichever Isfess.lnLA Ihis chargo vliI1 ba So/t cl the dehnqLICnl if1slaJln:!i11 r;t $15, which~r is les.,.II1It1~, th'lS chJrgewil1 be4% of Ihe delillquml mslal'mcnl or $5. whichever Is gruwr.'n OK,this ch.JOJe.....ilI b1l5Y. of lht] dttlinQullnl in:i21Imll:l! or $12, whlcDcver is !)ttaler.ln liT, IhIS(har~. will bt 5Y. 01 thE' deiil)QuMt Inst.1JIrr.t!r,1 or Sl~, whlchMr Is gleater. We Wll, not impOSt iJ l.1.le Payrnwt fee In:Jny stale n?III~led abo'/t!. . 11. S,,,,il'jlnl.re.I:e.."PllnI.lO .llorpurcl\JSlSunder $15(I)and INwhero ".donol lel,)ln :any 5ec~r.l,/ ;nlt!r~~l we v,,1I tlJ'o1: ii, purthJse moo!!~ setU~tl intereslln aU merchanrk.e p"I':"~5.)d OI1YOIJI Acto\JnllJllIll SIlf.h merChJndlSa is pajdln full, II you do 1'101 ma~e)'IJ1JI MmllTiurn PJymwl Ofl tlme, we may ,ep05!W!S$ o"ly Itle rJierctlandlsl! \'flllctJ hJs nt:1 t~n ~ lor in full. 10 Ute eJ.tp.r,l ptl'l1!lted bylaw. Wd agree Ill.1l no Jlilj~~~~ iiiHI I I liiJlll~ .!tlt~1 ! ! !i51~~~~ !iM~f~ ~ i ~~~~~6~o ~n~o~~ B 4 U!~niill!f ~!~~~s:iii;N~r mn~ ~iI~t!i~ hlJ~ ~~~~II~li!I!!'. ~iJjl! " j~U~idu~!~ gm;~ ~i;~~ffi1t~~ !~i~H ~~ b1~ I I ~ '< ~ j ~ '" ~ il ~ ~ ~ ~ ~ ~ ~ ~ I & :z: c - ~ (.) - -I C- C- od: I- - Q a.u ex: (.) I C- od: :z: CI) ~. ~i i~ ~s lie ~g ~d hI il. I!! ~ij lii~ ili~ S Iii - ~ -j! !~~ li~~ jll ~!l iil -I N ~jjlO ~1l!! fJi i1!liI ~u llsJ !H 'ij fila: ,\j1l.. iji ~1!.l! ~li-li i :!l -N~ "'1 ~-~ ~~o 1i ~ i! ~11. ~ ~ ij ~ =;{ _>. IrJio tJ,:I"o'CJ!rl-:: C Q \,; "'....- ~ ....:3 a"5 'i~ 5 ~. ; ~ i ~'~ t a ~ ~ '5 ll!o.ii.il <'a_c, B 'U~~~_~'i3~~1jii JIi' ~~..~;~..;jl\ii - ""'n~H~_.s.U 111 ~lj~~l>h~~i ~;;t ; ~ ~ ~ ~ ~; ~ n ;: rrTTrT--T- i I I IJI' . I jt:", .~ .?, , U~~ \~h" '~n:8~ H;;~ I II ~~ ~ U Ii H i ~ ~~ ill ~~ ~ li ~ + € a & ~-rg L~_~ I- s Ii L ~ ~ ~ ~ .! ~ Ie ~ I 1~1~ ~I Ii ~li '71~~ i '- ~~ ~ r; ~ ii j l~ B J~ "'.'~ 1 ~.Il~ ct ~ ii n ic l~ ~ ~ Hd~ d ~ ! H ac r~ ~ ~.H "- ~ ?;. ~~ .~ ~ j il i U ~ ~ ~ '" ~1i ~ ", ""t " ....{1 HH jll~1l itl:z5: 116;} l~~a ~l~ . tlr.lli ~ I J ~~h :!~.o !~~1J ~ _~g I I'::.p ~ U~i i jfh i ~h" " ~H;j il Jl~lHI ~ ;J gs~' .$ ~1l~~ :- Uti ! E,1j"'~ ,en~U ~ lHh ~ C~~'ilD . i~ IiEf:i1i E I;j! . 'lie\'! ;iE~ [:1 .!l11 c.'~" ~.91! ~ . ~jlj~j i!i ~~li gl.o~ 18n~ A ~fi~~ ~~\fii~ S080'J3U I:Jno.1.. U():t ~jOllUOd $IH1 tlI\l l='d "9diH HJ\' l:'J ~~~J!~1i~ ~.~~ ~l'_~ r\ 'l:t So, c:: "" 1\1 ,f U'h .~ aO Q'J'I kJ~ l.o 2;:::J ,;5,'j<?~il:< wu_ l\~ U..t:f::'5~~ 1:;5 ~g H~~::N:;; ~ Ii .<<\0 ~_~ "0,,, u1;~ :oa g.V;~.'=~:t il~1IC ~"'t a~C- g '\10 .,":1.~ '-' oS ~::'~'Il~ij"" .- "= .'" "~"llil'~ B'l:'!1 v~ ~.);-'E ~ K~ ~ ft... ~,,1; ;J9.~iJ~:;f! ,,!~g ::~ llil l!1} H ~;;, ~(J H e.. t!'O ~. [ .. ~ ~" ~6 !;I' "'6 U I~ .!! a ~= ~" g~2 UJ ~~~ 1!'ll~ ~~I nliv> ~NlJ U~ ~ ~U Iif! l~l- fill " ~!~: ~ ~~1i! ii ~f-a~ !i '.-' j- Jg!ti I ~!IM . ILl I~ Ui~ Ii Uu .... 2i . fiii '.5 g ~~ ~ It ,,"-;li .. ~~t!~ llH~ ~'51~ if; 1 b.d'l~ " !U! N-"ll B~~fIi ..:z!iii-~ ~1l i ~~d ~U8 n ~ Ii ~ ," n ! J ~ ~ .. ~ ~ ~ j ~- ,~ tI ~ ~ ~ ~ ~ f!j d Si~ ~ ~~ ~ tJl;; " ",8 g~~H jj il;;. C..:!! -f"~0'-- iJ_~.EM l'lz..5~ 9 11 'I::! l"Q' HHh~ ~ ~ ~~~"2 -.C~ ~ "'"" de 6 ~!!...-~ s:~~.~ ~ ~ .1 _'_ . " '"" ;; t!!J -.' w.....J..:J ~. I UJ,L ~~ 55:S~<cuc~:;~~:Ci:iJ ~~ ~u8~~~~~~5""'~ ~~. 5.....<Q~~C~~~=~~ . ~ ' _z"" -c:><:>w_ ~u ~~o~6~w=>~Q5~ ~~ ~~~8""~~~e~~<x r~ ~~~<Gffi~~~<:>~~ffi~ ~_ _~~~-c:>x ~_~ ~S ~~-~S;'~u~~<~~~ ~~ zw~~ ~~=>~oz_ ca ",::ll:J": ~<c..wz<- A .: ~-lU:':~Z~I.IJ~'=~!:::fR t! ~ " ~ 'EJ ffii " ~f ~f: _;1 INSIAHI CREDII' , for "Old US, on11 00 nol a~vutJse. To QU~11y YOUI SIjAPPER (u'lom'1: 1. Nnounl ~lI3l\ced mus' uollACet[l5-1,5UO tLI$IIU110r.~slnvOI~)__.~ __'I'l$ 2. C"'lutncr "'lOi~ you. \'a1ld. flOlll:),pll(;~, p~liullaI4u,}hl','1I11J 1.11',111 U1U Ih,ll you Impnnl un ~~les IllVUICC. MASllflCAI\O VISA ..-...... .- DISCOVER AMl'RICAN [XPIIESS _..___ OIIIERS CLUB CAlm BLANCI\E -. - SEARS 3. '1'011 chick v,lht,l I O. and Muut 10. ~oc'ion ill "ullom ul ilpplh:,llLolI _ Vf5 (In'!WI"hllltllll'"'Uow,) 4. PU Appli",lion R"I.w CU"U/lIOI " 01 kgd Ig.. Customor Ihtu1.ltllephono at "Ioir rc&lden~ (c!lock 10 m"', $1'" .ombOl" IIsled IlIloc.1 ollo<IOIY). Customer ~'ICtl con1inulng $OU/CD ulluUlnlll [JIl .pplluliulI. C\lslomortl3s completed aoo sil,lnld applicalioll/5i1les 100.oIe.. 5. IMPORTANT: CU~Mlor has nol, \0 your "'''rl.og., bo'"lul",d dOll. forcrodll In yol.lrslore or hn open Mono{tram Oln\ account v/tthyour slor8. _ . _YES YES ___ YES VEG __.YES 6. R"I.."dBl. S,11t$p" 5<lIIS lIi1ffio It \tie abtMI Lttl:ts.1le chocked and all stalements tlUII, VQU are leaU'f Ie send an 1..1a.1 Cred,11100r. applO"~ 10 S"p'CIOdlt). ThlOHou. IMPORTANIIHFORMAllON TEl.fPHOHE NUMBERS . C1IdftApprol'3l I-BOQ.3B6.4140 1-0OQ.3B6.4151J 1-800'617-0150 -FuMachil\e'5 . Your Cu~IDmor's Ouc~ions SHAP-CRIDIT AOORESS SNAP CREDIT P.O. Box 6309 lA'II,lla, GA 30005.0309 . R,m,,,1>er: appliColllls thai do 001 Q,,1I111or 1.~a"l credil prO<,lram 'imply mealls thallho OWII"'!'" musl be Collled 10 SNAPC,,~it for appro,",!. YOUR BI!.l1NG Rlg~TS KEEP T~IS 1l01lCI FORFLIlURI USE TIll:' noti~e c(.IlllainslmprU'll1t inlQrmatlon about your lights alld OUlll$pOnLibilitlu \lndtr till'! f;1ir Cll"\hl fhlbno Ac.l H:lllly U, in CUll vI Elfin DI OUfls1lan. Aluwl141l1r 111I , , 11 Ylllllhmt:'/llullll!IIS WlUllIJ. OJ VClU l.et-dllluloll1lonn.1liun itJuul iluu..a.:tion anyoltr hili. Vjllll U~ tJn,} ~CJ\3lilt.l :.hml iit the i1ddrt.~ showlI un VOIll r..lJlemeRt ImdlJll~llIillQ 1ll\llllllCS Vbrte 'nllS a';. SOUlli\posdblr. W. rllu.lllI:ar IrOIll you 110 1.lelll\<lll GO d3VS Jll'-''f''lSPlll ~'uu Ille lirsl bl"OIl\'Whic.htlll'enOlor~loblam~ppr.,ed, Y(Jut.Jlltcleptlol'le II~, ~1I111Cl1nD:;u wlll no' VICSUVr. YOUIIlUII''#, ' III ~uur lelllJr, ''JIve L1slho follo\\'mg IlllolhutKm VOllI nlRWll'ld account number. Tho dullu ilmollnl of tha ~\I~ptt'l:~ cr'Llr. O"tllb.lh. 81101 ..~ e.jliJIII. II you can, why you ball... Ihere 15ao IlIot.II'loU MoomOIC 10lormaUon, de~nbe lhlllcm 'fUU ale no ",10 J\)Olll. Your RlgMIIII! Our Rnponl!blllllll Alii' Wo R...I.. Your w~n.. Notl.. WI mllsl acknowledgo your klllf Vllthill30 dav" unlest 'Ill havo corrected th. erfor bV Ilnm. WiUlln DOda~'ll, VItI mU!lt lilhcrcorflct thl (lnolor exptain whV wo belie.... thl bill wucOllect. Aller we 'Ictive yourlellcr, WI tJnnot I!)' 10 collccl ilfJi arnuunl you questloll, or lIJ10rt 'IDU.15 dclllll~uerll. WI tan tonllBUlI to b1l1 yoU 1011ltll amounl you qucslion, IIlCludlOU IRJI1Ca d131QIS, and we C"II a~pl'f anV unpaid ilImount against yollr cl.dilllm~, You do 001 h.ve 10 pay allY Qlllslio",~ amoulIl wMI '\'C ".llIvlSl1g.IInO, bul you 111 .liU obllgal,d 10 P'lli10 pa.11 01 yuur bill 111.11 al. not In QueSlioll. 11',',\1 tllltt Ihat wa made 3. mlsla kD on your bill. )'OU will nol hAve to pay ilny hnance ch3lges "bl,d 10 ani questlOllod amoun\. II WI ~1~1\1111Jk' a ,"ISI'M, you may have 10 p,y fil\.\nce chali'S' and \'DU will hav.lo mal:e up any missed paymenls on the qus=;tloned Jll1oulIl.lI\e Iher r..a'ie, wo will ,~oo VDU a sUllmenl of lhe amuunl )'ouowe and tha data 111'1 il I,duo. If you 1,1110 pay 1111 amuullllhal WIllhlllk yoo owe, 'II' may llport you., dlli'Qu.,\. However ,If our ell planation dOM nol 5a1i$fyyou and you writ. to us Y,ilhln tan days tilling U$ thaI you sun fdltl~Q to pay, WI mUGl tell anyona WI leport you to lhal you have 8 qUDslion 3bout your bill. And. ~IC musl tell you lhl name ot anyone \liB reported you to, We I1lu!.llellilO'iOnO we leflort~'ou to1tl:Jllhe matter NS belnsllt1led b.\'IIlen us when '1Iil~Jlty i~ 1t\\'1 don't follow ltIesI rultls, WI taIl'tcollect lhe Illsl S500t Il1equtstlOlledamollnt,e't'tn il YOUI bill ....as OOlfCct Sp..,.1 Rule for CIOdl1 tanl pu"hlm If you h,v. a plob""" vlith Ih. quahty 01 property Of sOl'/lculhal you pUl.h,,,d with I tledll cud, alld you havo In.d In good f.llh \0 oolro.lllI. ploblem wnh Ih. morthanl, you llI'y 11.1\'0 IhellglllllOllo pay th. romll.l.g .lIlOu.1 duo 0' 1M PIOP'rty Of seMCOS. nlcre aro 1'110 limllaliGnr. on thl~ light I') You mu,III.1'o mado I". purch...11I y<lIIJbomoslal. 01, 11001 wllhln your home stille Ylllbm lOll miles olyour CUlIIIII n~lioo address: amI Ib) IlIe purel,m Pll'" 10",1 haVI bl"" ",,,eth.n $50. ThlS.,lmil.lions do lIolepply II Vloovm Of operal'lhe merchanl, 01 il YIt mal"'d yuulhe :ld"cfti~me1l1 fill 1M pllJper1)' or ct3rviCtS, IUlpartal1lRtlminllCr _0.--' .If you (hallQO your nam. or odd".., plOlSO 1I01i1y u, promptly so your Ac.counl can be brlluQht up It) date, -If your CII~rt Card Is losl 01 "ok.. n"'''' nolil)o u;.1 onc..