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MEMBERS 1 ST CARDHOLDER AGREEMENT
-_.__._.__.-----~ --. .----
CREOIT DISCLOSURE
______ _u__ - .----...-----
_____' ul/I!,o Closslc
The ANNUAL PERCENTAGE RATE 1\ 11 'g"f. ("",h'" d\!tt
plllioOC1..ol 03141~luflbltb'lf,tlonIn IW4 Enee"'t
UlJYtmbel 73. t\l904. II VISa elmic baI"no:;lt\ fill cOINert to.1t
p,vliIllJ~ late (tllbw,mbet 24, 199-4 The plt'ia&oQ AtmUAl
PERCENTAGE RATE Isol h, p.lbrl\l3 12 49-";' ("lIIch i,1 datt
p9licdc II. 01 032192'%1
CONf/NUED
ANNUAL PERCENTAGE RATE
I"APR"
--~---- --.------...----
__ ,_____,____Y.I!,O G!lld __'u__
lh. ANNUAL PERCENTAGE RATE IISU%U'I" "pit)), logS
(vdict1 is. dally p'",xfc IllIol ,024JJJ"4I. Inl" Ib\.lIIU cA an
1r111odu:loIy III., '" ANNUAL PERCENT AGE RAtE II olll.,
prillblr;JwouktbrlllW'1.(whChilldaittplliodiellltol
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rOl p.lIdlIseI JIO'lod Cf wll1allwq lId Il' ,I C8loh advllCes 10
l,...,bdIl11Qc:wdlcUlIlIllMCf Inll Novint.M n 1w.t,t"l"pn
m81 VI,,_ lhellle iI deWllnlll'lld 1r,J" e.\ch bUinl;l ~...acd by idOrq
414"'IOlllthluh8\IPrin-ona'I'''~lOlllldiflllollW.tIStllel
JriUnlll onhlla11 ~u d.A1011lM ~l'Yll'll\ulerK1N lfJ<\rl'l
1h1 Iale may chnrqe quartelty anJ \fIf1~ toe eNtlttr.1 111I UIo\flf1f'"
lu,.tIllt,St)'cIt
rOl J.UlcNWipo5ledOl rou\arldtr9atd k:f alcuhid'llraln
Ii't tdInO 'Yo. clowlg on (l11te1 Mltl, tUgS, III APA may tift
1h1111t 11 de.lrrif-..dtOl IIch bilbog ptliod by ~ 4 24% 10
Coli tjgtWlstPnmt n.lll1~led in lilt WaI SlIlIlJolJIroll on C.
1",tbWflDUdl1ol'lllpr.-liouttlIeMaI qu&l\ef Ther.. tnl1
ct'IIt9t quarlfllly ard 'MI bllllt<:tIYllilt loIlo..w1\l b..&U"C'J'clc
VlliaLM R.lt kllOlmabon
BaLaru CakUa1f(:lO U.loi IOl P\lcht!M
AntUIF..
G,act P.iod for Rlpeymenlol 'II 0.1&001
loIP\1d\l'"
CaV. MYarct F... tllnYCbon FfIll,la\' ret,
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AVIlIgll Onlty B.1l.1r.;e (Ill:WIl'i1 feW ~dla\O\1
AV"lge Dally 0a1arU (O:lullng feW p.ldIlMS)
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Uol\eu '-en 25 d.1ys
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I. Cas,hAdvaruFot.lm
2. Transaction r.. 1101 pu'chaY11. to-.
3. Lal.r...tm
.. Ovlllbn~IF". $10
YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE
This notice contains impollanl infOtmation about your rights and our responsibililies under the Folr Credit 8i11ing Act
NOTIFY US IN CASE OF ERROR OR QUESTIONS ABOUT YOUR BILL
II yoo II,,,k YOUl b.II i. w.o"g, 00 i' yoo nGOd mo.o inlom,"ion nbool n "nnSACl'OO' on yoo. b,II, w"lo 10 o. on a ..po.o'o ,hoo' a' Iho odd.o" ".Iod on yoo. bill. W"Ie 10
o. a. .oon a. po..,blo. W. mo.' ho" Irom yoo no "Ier Ih'" GO d'y. o'er wo ,n,,1 you 'ho ''''I b,II on wh<h ,he '110' o. p.ob'om 01'1'00.00. You con '0'oplr0<10 0', bol
dOing so WIll nol p1eserve youl IIQhl~.
'n YOUl ,.1Ier gNO o. 'ho 'ollo",ng inloll.,",on' (11 YOUl 110"" nnd nceoUl,1 nombn. m Tho doll.. .moun' 01 Ih. '0'1'''''100 .1I0r. 131 Oesclibe Ihe eUOI Bnd ellP1ain, il
you con, why roo bo,..v.lh'" i. .n .1I0r. II you "nod more ""o,,,,,I,nll, d.""'" "" ,I.m yoo "0 nol''''O .bool, bol" Iho o.,ounl on I " ".Iom.n' doeo nol COli "pond
'0 'h. .moon 0' Y'o, '0'" '''p o. yoo h.ve 110' .""o".d 'ho 1"01'0' cm'J,1 on yoo' ,,,Iomo'" 10' m.reh..,d... "Iomod, a copy 0' 'h. ",.. ",p MUST oceomp,ny
yourtell8l.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE
w. mo" "k..w'oduo yoo. '."01. within 30 d.y., on'm w. h.vo con",,'nd 'ho ono' ", Ih.n W'''"n UO day', w. mo" "Ih" conee' 'h. .n.' o. .'P"" why w. boli".
Iho bill was correct
^".. w. .ee.iv. yoo' I."", w. c.nno''I'( I. coli"'" .ny .moon' yoo Qo.,I.."" 0' ,op." yoo .. d.',nllo.nt Wo c.n conl,no. 10 bill yoo ro' "" omoon' yoo a..
Qo.,,,onlng, i.<'od,ng ,,,,,nc. cho.g.., .nd wo con .",~ .n, onp"d .",oonl .g."'" yoo, Clod" ,,,.,1 Vou do no\ hovo '0 po, .ny Qo..hO<1OO o,noonl wh". w. ".
lIlv9Sbgollng, but you Ife I>!lll obliQDled 10 pDV U10 porls 01 rOUI bill thai aro 110t U1 qutl..hon
II wo II1Id thnl wo mado I mlsloke on IOUI bIll, you wll not have to pay ony hnonclJ chargos ,elaled to ony quosliolled amount. II we did not makA I millake, yOU moy
h.ve 10 pay hila.'" cho.g", and yoo WIll "vo'o n..ko 01' .ny ",.&s.d 1"'''''''''' on ",. Qoo,',on"" .IOoonl In .,,,,,. c.... wo ",n send Y'o a .'.lem..' o'lh' .moo.' yoo
owo and Iho dala that II is due.
II yno ,",, '0 p,y "" .moo,,"h., wo 'hlOk yoo ow., M m'y "POI' yoo., dnhn'lonnl lIow.vo,," ou, o'p'.Mhon do.. no' "h'" yoo .nd yoo ",ito '0 o. withi.'.n
d.,_ I.II'ng o. Ih.' yoo .1,11 '01"0 ,. p.y. w. ",ost '.11 ."yono w. '01'01' '00 10 ""I yoo ,,"vo . QOO""" oboo' yoo. b,1I VI. 100" 'oil yoo 'ho nom. 0' ,nyono wo .",ort.d
you 10 We musl loll anyone we IGpOlI you 10 Ihatlllo lllo.\IOI hns boon 50"lud bO'WI~J1l us whollll hnony l':i
11 we do not lanow IIUlU Iules, W8 cannot collocllhe IlIst $5000 ollila queshonod amounl, 0'0'011 II youl bill wos COIIOCt.
1. Ca..h MIRn:e he. UOI1I1
2. T'31J5,.lCIlol1FolI (tOl?JIcllJ!oe\)' t~ont
3. laler'lI.None
~~_l"IlmtrM'$IO __.____
SPECIAL RULE FOR CREDIT CARD PURCHASES
II yoo h've . p,ohln.n w,lh 'ho Qo.lily 0' plOp"''Y o. .n"ico ",,' Y"u pOleha-.nd ",Ih . ClOd,' c.,d, .nd yoo "ovo "i.d In good '.ith '0 coneellho p,ob~m "'", 'h.
merchant, you may hove Ihe IIghl not to patlhO IOITlOIOlIIg amount duo on 1110 \lrcPOlly 01 sorVICIfS_ TII0I8 aro Iwo hmllol1ons on Ihelight
^ You mo.1 h.ve ",.d.'h. pOlch....n yno' home .IRI. 0', ,I no' w,lhin yoo' ,om. .,.". w,lli,n .00 10"" 0' yoo. cononl mo,ling .dd""; .nd
B 1ho pUlches. pice musl have boon mOl. than $50 00.
ThO&elllnllalionl do not applV it we own Of opOl818 tho IT\6lCh8Ill, 01 it wo fllRlllld yotllhn ad'Jo.llsomont 10' UIO plClpelty 01 services.
MEMBERS 1 ST VISA CARD HOLDER AGREEMENt
lh.1It yOtJ Iglwnentwilh Mlnbtltllt r.IIIC,aI,Urion CO'o'.rlWilYOUf VISA IC<<U11 1iI)j ,_,be""," 1eq.IIl~by'. Trutln Ieodr9 Act P\I...,Md IIt1l.~ n"'p II lot yeu ,lICOtdl,
You cb not hI~. a '91" 'glHmIri, blA once \'OtlIOl'''~ al.GlOfll'8d by roul hI~.lCcep~, 11'1*1 01 \Md,. GIld on '.1CO)tI1t 'leO rOll'QI" b" prow" 01.. aglll1W1l ard wiI be
IeQaly bo.nJ by it
Me.nlog of WOld,: In ,. Igl"rrenl h WOldt you InJ your mean It. wm-Idullll *ho NUl . MMlbel. III redl,aI Cltdl U,ion VISA Aco:xI11 rAcel:Uln Ird NI)'OOI
...you hlvl .lJtor!tldb uti '.tIld WI. o...ard U. nlAlnMerrtltf, 1,1 r.d$ralCuoIUroon 0I1f't iylIll MMltl.J'. ac:coun Card m.."III. VISAaldlcatli;l) IHutd bf h ICCOUIt
OWl'lttl.h1p: Ownlllhp lid 'lid Jlfr-MgGI .1 CI)~nl on ICM nltlnb."hp 1111'1 Mtn-bell hi h()j,al C"dll UrIlOfl Tht wd ItmIlIlI III plopeltt of MeITbell hi Ftderal Clldall.kW:ln lid INV be
IlJIPIndId OIIIYO~by~ .I.-,.~ 'lrlhnAnotlaI. You.oo II .U1holil.dlMlI.O',.loill,,,1deI'. aldltl/d antllryOlhlllCCeudtvictllld todlloonbnUl utlUabon 01'. aldl card ICtXU'llby
lfl1 olt., nwWll irrrnedIalety upon W IlqAll
U.blWty: YoutgllbplYUlnUS lkJIltrllor"putN"lardc...hllhanc"ob~iI-.dI.w,1\IMOI""taldoll.lCOOlXII Onloftign''''d(nYOU~''~ply''cwency..~chlfg... You
.ge, ~ pay us br II"IINIa ct.wgtt It'd '11'1 olhef I.., ClI chalves 'fllli:hrmy I.oe irTfowd lIdll '''' '1Itemef11 (ard II an.r1Jn.ntsl to 1lI.ltlnlpem'Attd by lII.. 'fouard lIT10nt who IIMI'. GIld 'I'
roviOJal~ IRJ jointfy laNt IClI IIlITlOI.IIlS due on III accwi: .~.n 11011I1 orty one Nfl." errt.:lsYld on 111 card
Unau'lhorb.d UM: You ~y be iati.lClIllIlNU'lOIiztd I.M 01 h cald 01 accOl.f\l Yt'U..... rolb.lablt bIIII lI'1liAJ)rim use .,..hchocan.!lIt roD~ing Merrbtf.llt rlderal Cledl Urion VISA
O~81rnenl P,O Bol <40. MtcNnic\tug. PA 110SS in .nbng or Ollty by c.a/lllg t:l1 lie. (n ard o~ 01 PA 'ItfIfll AlW..) I (()() 283?328 du~ rJ)fTna/ VISA o.pam.nI wClIijng 1"0111 ClI uDiog .llfl'l ~
614249.(242 (cal c:oIect)olllllou, Il(,ftol polllblt U'ltIulhollled 1M 01 'll!I card 01 act'C\lll n anyc.a5ol YOlllab.tt wi rol.Wl8d $5000
Crtdit limit: W. wi..t-lu yoo oil. Cf~ Irllt ftWllCllble to)'our VISA Acool.l\l In III ,:,.nllhal yOll' (:I.dt 11I111 cJwlQll$. )'ourlat8\1 erldf Iwril wit'pplar on your tJJ)fIfit' bilItlg ltIl8n"llnI. II yOU 'lceed
yOU' (:It1.\lt Imt.1 may .."".rd you" pay. $10 00 p.nalfy d\8l11J llf IllY rmllt, 1l....lIChlhlll bllNa ol)'Ol.I' IIlCCOU. on ttallfrllllt dill .1CIId, flIerlllllimlCllll.d1ol1er pI~rrycNIgt Ill. p10'llded
hom In. to bill' In 'If C.lltddll P.ymanl SdJIduIa IIId Sdl!lldlJl 01 CtwgAt
AccounIU,,: Yoo call IIM)'OU CIIdbbvt ClIllawgoodsCll"l'Ia,...htIl'i'lIl1. ClIrdis OOlOlad Youcanaltogalcat.hloll\t{caledc.av.~ft'lCftl homUSOf ~om.ny brit\lllCCOptl tlecasd ClI by
.,.,. .c1)lonaI n~ .t'Cl"'1 may 1lQl'8 10 You will OW. lB III llrouri 01 aI aedl'l~ldod 10 you UfdBr your .ct.anc" olllfy b"d pM. Ifft' &r.n:. c:hNge' ard any lall chlrga:' ply.blt ..mer
hi .g"rNnI YOt.o 101M thai.,... may p.rdll'" or .-q.. lilt ",,1M ~Ipl, no!IS Of df&hs '~lMU:nJ puldl4SoOt 01 CMaIi adv~t mnda houil III \ISI ollhl card. You t.ndIl,land hi....... rol bI
1l1pO~.IOIlIny~' IIll1$Allo t.lrol yout CIld A8.1.... d lIot be rftponslblotIOlnlllldlllrtklOlIM1CISplldlo1s.edhOU\tl'"useolyollalld.lTIouoIllllWistltq.lltdbyllw.
Ptllodlc St,ltm.nl': Each rm~ 1111 ,..... i, 1I1f 'Chlly on ltIIaccoulII you "'1I11C8l.... . llalen.nt as 01 . blIlIlQ cycle doVl'lil d.111 w. "leet,,~ wllhow II" .rm~ chargtd lor puctllM' 01
melchardrtt ClIlIIVlCft ani c.alh .ct.anca' made ttvoL9h h 11M 01 yOt.l VISA account pIuI hi eNialJle IlIWICe Char'1l' aI1d 10" Charges n:urtd by LIt 01 III card II' dua wt.n II. ptIiodic t"lImenl
""caNed
Clldho!dlr P.ymtnt Schadul. 'Sdlldul. 01 Chllr.'
You IQI'M to mau peym.flb 1l1C'OOldm:1"'llh IIlo1lowlt1Q
A. P.ymanll: PIYrmnllhlllbe llPpllId,.hlOrtcer/ed.10 1I19'COOllll.in '1IIollolll.~m.1rv'" (J)UI~aMJo~"II1JI,".,(bl Ulllaidflllalnchlr~onoldpllchase'.(c) UnpIlidftnanotctw.r~on
oki calh .It.IlUI, (dl UllIaid mane. ch.wQll on nnr pudmet. (II Unrald fnlllCe Ch.l1gM on 1lII. CMh ..t-Iwa.. (~ flT.vOUl balance 01 old puchl""'. (gl A.~IOOI baIara 01 old cash
.ltiaoces, (hI Pr....ious b&la1U of rII. PIld\1s,e" (I) CUlIent balaoce 01 rlIIllI cash l..hances, (jlllu pllchase bllara ard any rtmlflliJgeredlt tlly' In I. rII. p.JchI" baWa Wd E.ictpt
tlllll.a,.,. plymlOlgrllltl h1nOl flQU31 b III total p,~lous baLlIl:eol PlId1a5oM MD l>e IfpllO'Jhr101 U Uli1llla!ara81dlny rll101ra d1ilfl1J' on Itvllbalarce.
Mnm.m1T"lOt1lN1 ptymenb on II. Iolal ~ b.l.1u:t (sJ.:llllllll tI. PJnooc 'l.1bnunllth.1ll be hJ '1oabr of $to 00 or ~ 01 till loW rII'" balanollor any total... balanc:8 01 $2000 or melll.
You may..1 arry lime. pay lTl,It. elall I.. nlnrt1JlTlln1;lllll due WllhcllA recl3lty
IIllhll'i'101 tt.t you 'lcNd the /ICCOlSII C1tdllirnl yoo.... pay e. ttIIf1rT'll1Tl nl:lnllly payrMnI eLl (II' Itll!Ilct:OlSll ~us III ~ In tlceu 01 yoll COOlnl atdlt Iinilll'ld till S10 00 ovtf......
m'I'O"""
B nnance Chltgt:
I. When fiMnet chlrll" blgln: On puchase,. il 'III' isro b.1Ma O'I'lldOll)'01I ~ al IIf begimi9 of I. bi11ir9 cyell or lfp.ymenlIlOOatdllclP'lotlll biII'oiJcyda equal ClIUcetd
It. W'-aowad on 1M aca>U"111ll It.. t>qnI1;l 01 tlIblllinq cycle, hmno fnarce dllll~'." be cha.rQfld \0)'011 8CCO...1l1ol fX"ch.se, bl. bll~ cycle, If'. U IlfT"IOl.IltIl nol paid hy It'll
plI'fITIIIll duI drill (not 'ISa 11I11l25 dty, trlJfTlltll d.111 of plldl.1$o1l. Ioala dl3lgos 'A1I be irculOO Itom hJ ,lal.menl da. onlht 1~"1gI daily b.1anoI 01 p'....iouIly biBed but ~.d
puchalt., end on..... plJ'chIM1 ~om IlllI d.1n w:h IlIW plIdlaS4S II' po!o!ed tl yoll accoorll On Cash Act.'at'CIS, finance chalges ft1I blll'lCUllad on ltlI...".ga lWy balara 01 Clsh
~waI ~omhlll1 potted IoYOII.to:IlII'~ paymenllo WOll Ic<<lIIIt
2. Vl/'labI. nit.. Tha ffIlance chaI~ llrfI be dlllllrnrllld by ac1lt"9 It.. mllrfJllllo I. indu 'o'al-va The Arvll.llll rWllcenbgt Rail can cIw'9t on I. III' dfIy 01 tit &,1 cydt In tech c.alard&I
quatllr, The mlr9'l1ol VIII Clwic: tl4 140(" lor boll purcll3Wl ard ash ,~"':es The tMfg1l 101 VIU Gokj is 4 24% b boll pucf\aSe1 ard cash .dvlrcel. The ndel iI h hiO'*t Pm.
R~~ ~iIhId In h Wall Sll~ moo, ThelnJa'...... 111 rMasuld II 01 tlll lasl bU'>ineU day oIl. prl~ man'l. Alrt raMse n flI AmJII ~IIC11l"gI flail ft1I Cl.La h ItT'IOUlt 01 thI
trItWT'UTlman~plytrlln'lorna..se
3. Aftrlg. d.i1y hal.net ""thod (ircW"il ClJrlnl Unsacllons) W. r.g,1I \hit fll\1nce ctwgo on '10l.1 acro.rIl by epptr'r"9 I. JllI,iodic ,file to llI.vlllOt d.1~bllara 01)t:U' ac::ccu1l
(1rcll..dt9 CUllnl 'WMCtoM) A~lIag. dally bllaratlll calaJIalad lC1la,aklly 101 cash .dvarn. ard pllclmes To gelllllVtrl9' dai~ balance ..... Ilk. h . balara 01 Y'X'"
a<XOt.rllUch dity. acij Iny rII. pU'ch.sel end 'WIl'ICh, .rdlUbllacl.rrr' pa)1Tltl1ts ClI aedlts TIn gr." us III daly balance, Then w..~ ~ al III daIy btlarce. ,.. bing qdt ard
~h"tlIbytlllnootJeloldaytin'lIbdlar9cyclt Ttngw..ush.....fllged.1itybtlance
C Ov.rlimll P.nally dwgt: Tl. CUltnl ovtllml penally ctwge is $ 1000
D. Phoklcopyd\ll": ThtC\ltlr1l~. pychalgt It SJ 00 pel slal..,..,lcopy p1tl\'idldOl SJOOpel &aIa'df.ll.ert&l'o'ou:har.ClI ClIh.ct.'wacovyplO'o'Idtd.
E R.tum PlymtnlChlcll F": SIOOO,
S.I...c. Out: Mamba" 1'1 Ftdlral CI.dd Unicrl may. II ib~. dedaI.II. tnblt balancl 01 you .cco..nl to ba rrvr.dlltty due 1M P'Yabll..tthoJt notice ClI dImard on III happIOilg oIlfft' ollll
IoIowV'9ft.ntl
A. IIIIT'/ reqoJltd peymanl 00 III ICCOlIlI II no! made Ifl1l81'1 dUl,
B II hi ertdllml on III aCCO\.lll is uClMdad.
C. llyoullllb~..;lhflloalfrplO'o'ilicnonlhalgtMlfllnt
o In 0. t'I.nl 01 Oath ClI inlcMncy;
E. 111IT'/1tIII1pI...nIaIlonIlIMdlClll....tllIicaPl,a;
F. II you 10 klpty..t.en ct..1fft' ohr debt Ia Members It' rlde"l Credll UnicIl Oool lhaenblt balance has boandadalad eM 011 c:tii9tm to hero IIPt h.dl<< hnuction.rdt. '1'00 .g..
10 pey AIIINIOflIbIa COlla coBtc\lng Irro.tIbcb.1nduJing .noCTltytlees .rd~I'J~f\S(l\
Chlngt In TaflN: W.IIMN, Oil IV" Ie lIT'lIOO 1.I.rms of IIII.gHITlInI incluJrlg W fY.A Imlld to ch.'VlQt' i1 mirinun mctIllty paymenlarmt.nl fNra ~~ tnIIlt1:d 01 corrpMticn 01 flnInct
c.hll'9', arrualIM.O'o'I,tml.It. mod. dmOlS up:nnobceto )'OO.11e1l115d11)'1Pl'lc.IoIlIlIIl(l(~' 0018 01 till cIw1gI, Mteharge WI t+Vt kI.llstlf9t1tlanctt i, .".111 fuM. blIt.nc:el.
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MEMBERS 1 ST VISA CARD HOLDER AGREEMENT
Ttw, It YOll WJI..rn.nt..,IhMentotll 1M ftdlllll Cr.dIU'Jonro~'I'lQ YO\ll VIS~'COOI'll'l1d'lllltKlow"I&<...8d by.... Tlul.lf'llerdng I.ct P\ll.... ,Md llClll.~Iy.d lIe.pit lor yOU' IKOl'dI
You OJ nollVlvt b t.igo.. ''1''~I.. blJ ~ rou (01 l"for. aUllllflll'd by 'fOul ''''VI acclIfIktd.lIl1llld Of \I'.ed ,.. mId on I. atO)Ull flIIl yoo '\p" b'lI plOllIliool of.... .g"mIfIl ard wil Le
,"""bou~b,'l
"urnng 01 Word.: In e. "1M1t1DIl1 ,. WOldt you ard your moan II. .d-ridtWl ",ho ~.'. . ....lbtf. hi redt.aJ Clldl Urion VISA AlxxlUII rAccoll1f! &I'd 11I)'0'"
1M you llo1','. .ut:t1OO1.d 10 lM I. c.vd WI, Out lid U. "1Il.1" I.4en"btll II' rilwI.1 Clll'Jil UIIOI\Ol any IlIJlllII f,lJIVI019 'Mt..:cO\Tll Clld m""llt" VISAuedl c.v~'l iuutd kif ttlllCCW,
Own".hlp; Ot.nerltllp Ind tNd pl'i'o''''lJ''II' COllbrYlllt on arM "lllntler".p *11. Meni>ell hi rfW.k>,a1 C,.d,llkllOf1 Th. Clld Itfl\AlflS '" PopNly 01 Men-w.t Itl fldlraJ C"titl Union aId may bt
lUIpOnJod OIIIVO~ by us 'lllly In. llI,U..nA nobol You.rld &II'~l('olllld lNMI '111"tll 10 WI.rdor tI_ Cledt c.vd AIr..! "'y ohw IlCQlU (l.tVICOI ard to choontJnue Ubllllbon 01'" Cltdl (AId .ocoull by
.nyolhe'nll'l...inl'tltdlal.Iy~OO'I~ll
1l.b1111r: YOU'IIM IopayUlIllU 5 OJlIft,.IoI"pl.dl&se'"dc.u.hAd\&llC"oNdll1'ldIlrOujJlMoll~cardo'lIlOacooun1 Onklle"nb'IfQt~r8rou'l1..bplY"(U"ltnCyllchonglltha'QlI You
.gI.... b PI'( us br., IrWIC. cflalg6I II'd&ll'( 011181 toos Of tllll.rljlS wll-.:h O\.lY be lrTip:Jsodunilr 111\ 1I'1801nofll(ard all arnenJnll'lnb)10 ,,,..1.,,, plrtnlledby 1111I. You.1'd 1ny00l "00 1M. II. cald '1'
nhidJalty and jolfllty lable Jar" am:ull1dl.8 Cifllht lCCoull: IVln Ih'lIjlorty one name 11 emloOS!.Ad Olll1lOcard
Un.ultlorbld UM: You moy bt labl. lor III unaullOlll.d 1M 011111 cald or acto~l You d 001 bfI ha~ 1ollllllJllilulhorillld lM "tJCh 00C'Ul' .fl. f"blyillQ Menbelt .1'1 r.dei~ Credt Urion VISA
Dt!Pllf'nlnl PO 00. 40, ~g, PA 11055 in l'rnllllQ 01 orllly by eaJlllO klm Ise. 111'I and oIA 01 P^ I.copl AJ.uka) 1-000 ~BJ 2J~8 du~ f1:)mlll VISA Oepllltn.rll: wOlkir'lil rot" Of calbng III/T'f 'me
61. ~48-4~.2 lenl collecl) ollht 10ll,lIl1lt01 pol&lbktfl1.lUlhoflled USoI 01 'lfIcard 01 alXO~l ~ any taSA roll lloOllity '~ill ret IUceod $50 00
Cltdit limit: WI d tdv... yoo ollh. cred.'fnll~~lCo1b1e 10 you VISA AcOOLflt In ,11ll .....nt lhat yOll aodlllut d~'lIY". your IaIMl atdllllrtll d.w-ar Cifl you froultit w.1Q stAlI"...r. II you ..ceed
IOU! Cltd4lil....1 "" nlo1y '&&0" I'd ~...n pay I SIO 00 Jlon.'t)' dw~ 1l11l1'J' IIlJ1lth 1l'I"!lIch!hl hahnco d ylJUl' kCl'1.lll 00 tlalrmmlda.I, l~rHdt '" CJtdl IwnlOlllWl 0'* ~nattyc:hargt IS. pro'o'lded
rom I"'" 10 bme III .'" Clr!JtUall I .'(nDnI 5c1.ue .IId SCholdtJe 01 ClwU"1
AccounIU.,: You can UM ~otJ (aid kl bUYOllu!o4l~Ol lar..iCIlS'Iloher8'i&l' III1JC3ld ithllllOled YOUCMa!SIJ \l(Ilca',hlcans(Cllll)'jcash.!tv1flC8!l1 bom IJ!I 01 tom lny bri NIIC'C89I5 flIcaldor by
Irl'( aJJolol'lcll mearlS "lllCh "'. Indy 0QI81 10 You *11I 0" In IMl arUJU!~ 01 a.1 (lIdl ,alOrOed 10 you urdflr lOll liJ,..vlCM 01 (JIlt ~.lfd pkll. any 'nara dlA/gns lrd Iny 1411 chal\l'll payable l.Rler
hi flIJOOITll'nl You lI\f'o that ". may pUldlo1s.e 01 ~, Ill/) &.1~ s',ps, notllS 01 dralts o~lJerD'-q J'lIclloW'S 01 (Il!JI adv,}fJ'DS n~ltJt hOlqh '16l1!.1 011111 cafd Yoo lIldorl\attd 111011..,..11I nol be
re5po'lSlt~llor IUl'J'ore'"prusallo IKlror your card AIr..o WII 'Ilo1l nol be rf'~poI'lSltJle lor nBlclk'lrd,S/t C/l fo6IVUlSJllJl.hl">&lJ hourJl'~ lI!.I 01 YOll celld. urMuollOl"lSt ItqJII8d by lalll
P"lodl( SI,ltmtnll: E.ch rronth I\l.l 'WI it any .chlt'( Cifllhe account you win recl'li';t . ltat('tllOnl as 01 . L1K'"'J C'J'c11 c101oing date l'r. $fI1oc1l'rhch ,,1II1tl(lW 11M. 'll"ollll dW:r.d to,1 pu'Chllllt 01
/T1trchasd,~ 01 Ml''ilCes andca!ah .lto'anc" made IIl1'o~h h.1J5oII 01 yOUl VISA 8C'CtlUnllJlus tl16 aWlCable &1.1IlC. Ch.1J~I a.'ld tel' Cll.llgelllcured by us. olll~ C8ld "' due "'lIn . period.ellattm!lnl
"ft<erved
Clfdholdtr P'rmtnl Sc:htdull & Schtdull of Charr.'
You 19'..10 mlb payments III ecx:oldarn l'rlth ll'llolkwl-inu
A Plymtnll: Plymenl wi bt app..d, whenl&C'li'o'ed, tolhe acroll,l. in '1lllolkMing rN/'II"8I: tal UIIp,lid 0....8r 1,,"1 lets. Ib) UflIllId millC" cnrg. on old pucf1utl. Ic) Unptid rvWlOl chargt Cifl
okj en" .It.Ilr:4lt. (eI) U'l'aid rnanc. chargt Cifl flOYr ptlChasel. I') Unpaid rtr\1rOl d.,'gos on fVllW eash tdv_-=... (~ rr.....C\II balanot 01 old p.lchaMl, (g) fiI,v(Jus ballrllCe 01 old Clsh
.~ances, (I'll Pt....ious balance 01 neili' pUlCt-..1S8!>. (I) Cunenl balne 01 row Q!oh ad-'anc,". ~l PI,N PUdlo1S4 bnl.YlC8 aid any lemtnng aedll llay. in tit MW pUlcht$olJ balall::. fitld, ueepl
Ihal.,l'( paymenl grealer lhan 01 flqU31 b lilt lotal rt.....1OUt bal.1r'C'olplldm~n .:D bo arl~~~1511111llllbalarlC'tar-.llrl'J' r~~rudlall."l on IPlIlllraWa
M~Nrrurn rronctl\' payments on tlll'l lolotl f\ftIW balall::l (Vc*n in Ihe p::mooc 'l.1.n,u", shall be II. '184191 of S2IJ 00 Ol ~. 011. Iolal nil" blLvloe lor 11ft' lolal neili' balarlOl 01 $20 00 011TlOl.
You may,.1 Illy llrTll'l. ray nlOf.lhan 'It fTlnllT1JrT1.rnoulId\.I) WllllOUt J'&r~ty
In a-.....1lIl1 tllAl ,00 laceod the ICCOI.n CJedl.n,lyou.".lII ply h n'olnmuTI nKlrll1ly pa",lIlrll: lL8 Cifl tI~ .tXOUOl p1lJ1 '1lI1/T'O~ in liteM 01 yell wntnt atdlllrril ard UII S10 00 OVtf.f)t.
1m. ..",,~
B FIMnc, Chlfge:
1. Whtn li'\lnet ehtrg.. btllin: On pudli\!.tl. il '1llI. is 00 b~lance O'l\'edOll)'tlll' acoJU!llal 'M1 bflgin'Ur-q 01 1111 bdllr'Q cydt Of IlplylTltfh andCJtdll tbiogtl.. bi/llfl'ij cyde IqUII OI..cted
Ihll baLlnc8 owlld on ,1..("(DlIlI.tlh. be9it.lI'Q 01'11 b.alloQ cyclo.l!lOnno "J.lII1C8 dl.'VI}'l$liIlII be rf.'r~ loro", eccoud 101 ruchlseslollhll bnr~ C)'(:1t 1f....1uI an.,.,.. it not paid byltlt
payn"llt due d.lIe (nollell tI~ln ~S days hOfTl the dl. 01 P<Jch.W1). .Mr~ dIJllpS ,,,II 00 1/I(I.I'Ied Irom 1116 sblelllOl\l dol" on th. IVorJl9'l dady bllera 01 ~eviou<,.'y biDed but trpad
P",cha$ts, and on nelll pllcf"'~ t'om 1118 dalM w:h IlIW ~chas.os N' posled b yoll atCWlll. On Cash Alt.-ilt'Css, f./laI'lC8 charoes.1Ii be II1OJfIOO on 118 .vtra98 da.1Iy balarca 01 ~sh
.wanees.om!hl dalo pallid 10 you ,coo\.l1l \K1lll paY1r$I11o yOll' aCCOO'11
2. VIII.bll r.It., The Manc. d1ll'~ 1\'1II be delernlf10d by '~rq hr IlIo1r\Fllco the ir,ooa value Thl) ArrIUJJ, f1erc~lIlt:rgll fble can CMngt on ltle Irlt ~y 01 flI filii tlCIl in lid, ealtrdll
quarl8l. T.... n1lVQlI'llor VISa C!aWe IS 4 14% 101 boll purcfl.158S aid cash a6.an:t'S The rf\.1Tl1'n lor VM GoU IS 4 24' fOl bo'l plJctI.1ses Ard cASlllIa~.rns Theindea IS ltlI higleIl Pnm.
n.1e ~1Shed in ltlI Wall Slr..lJounel Ttll inia. .".,1 be mtastJ'td as 01 110 Lul bUSlOO'il day offill pl'VIOlS mooll Airy ina..,,, n III Ar'nu11 P"Cllllage R.I'l'ril CllAIlht.rrounl 0111.
mnm.rn mon'~ p3)'mtnllo IIlCfINlIoll
3. An,.;. d.i1y bal.nct m.thod {in::Iudl'9 CUIlr1 latlsaclionsj W.~. 1116 fll'lo1llCJl d.vge en yOUl aa;ottIl by apptyirq h. periodicralt 10 flI ....._age da,1y balan:e of your account
(rrduJlr9 CUflnl bansactonsj AVel~ d.1lly balara. ale ca!a.rt.:rltd ~araklty lor ca!Jlad/3f1:es ard pUd\.1SnS To I1ll fl8 IV.age d:v~ bahnce III tilt. II. be~lmlI1Q balarct 01 yoUl
aocounl aldl day, alti any I1lIW purch:rsos arKi .d.'ArlCM, ard r.ublrllCl arl'J' p.1'rflJl!llls 01 al'dl!'; Tlrs 'oIr,f'S us Ill/) dally balarlOl Then WI ,lit Lp al hi d.1lIy balarnslOl tile blDrRil cyde lid
dNidllhll tlblbyhflllTOerolG.'rYlin h.bllllfgtldt Ihstj."uslllll~,ra<jJlbly baLn:e
C Oyt,lIm1t P.nally charge: TI. currenl O'w'trtmt penalty d~vgr:r is $1000
o Photocopy ehal9': The CUltnl photooopy d\l.lge. SJOO per IlalemefllCO~ ~0'IiJ&d0l 53 00 pel saltsman. aedll....Ol.l:htr. 01 cash adlancecopy po..-idtd.
E RIIUln P.rmtnl ChICk fM: S1000
ellann Du.: Membtllhl Federal Cudl UI\IOO may, II ill~. dedall tilt .nbr. bo.L1nc. ul yOll account 10 be inv",dallly dU9 al'd ~lbIt Wllhoul nobce Of demard on lilt happtniog of.,.,., 01 till
loIIowlng.....nl5:
A. II wry rtqUrtd paymanl on lhI.CCCUlI is nol made "hen du:r;
D II III ertdlllfTlil CIl'I hi lcalur. i$.actedtd;
C. llyool..locx:.rnpywith....oChtrplmjsj(qonh.gr..mont
D. Intlll......nloldtaIlOfmdv.ncy;
E 1!l/1Ytrilltp'.sontatlonllmadtCifllflll~lia1,(J.
F. II you Id lopty WIflIn dllsll'folhtrdlbtloMtmbals lit fedelll Crt&1 Unial Onctlhltnbr.baltncthasbMndedalld MOll olii~boo1ohcmr &1'f 1lI~ lI'anuelion.rdI. You.,,"
to pay aIIr..uonable cosl 01 coIectlt"~ atnCU'IlI due, hdl.ding .nomeys It" ard Ie9aI UplIn54lS
Chang. In Tllm.: W.lts(I"" the 191110 11I1I00 till ~rtnI of !his 'I1Hmtnl fdulll1Q W nollmiled 10 dlMlQOS in miriIrun fI1Cflltty peymtlll.ft'ClI.II( financ. charge, method of con~1ion of IWnc::e
dla/ge, lmuarll,e,O'o'.r1imItl.. andolfler chargel up::lnno!lcllo you .1 It,,! 1Sday1 ~1CI1o1l...II(ocllV' dale oIl. d~noe Nrychar9' thai awl't 1O..IItItV t811nces IS weill MUI. talaral
P,,"lda.ll/29.'!W
CQNTINUEDOI/REVmSE SIDE
(31<9)
EXIIIIlIT ^
MEMBERS 1 ST CARDHOLDER AGREEMENT
- _._._._-_._,-~--_._----
__C-"_ED.lT-DIS-CL9~!lIlE
Visa Classic
CONTINUED
ANNUAL PERCEHIAGE RATE
I'APR'"
lh. ANNUAL PERCENTAGE RATE 1\ 1149'"",.. I""lil.h" A ell""
pllIlOlk 1111 ot OJI4Hr'.IUliblf~&I,lIftlJ.19'J4 IflDCht
IMemt.1 7J. 19~." VIW elM\Ie b.1IJ,'"," ...11 C~1'w.(l to ,..
P"~'.MIQ IlhI ~ Ik'ttnlbel :i'4. 1~ The pr'~illl"'iI ANtlUAL
PERCENTAGE RollE "oil" p1f'ltlQ II 12 49'-' tflltlichis. dady
pGIicdc 1J1I of OJ21112'%1
'____'__ylsa Gold
I". ANNUAL PERCENTAGE RATE III U" 1KI11 Nr'30. lWS
lwtil.:h'" dllltt pellodlC ,," 01 Q24J8:rK.lln tllIlbYnC. d an
Ifllrl:ldu;tory 'lit, lit ANNUAL PERCENTAGE RATE ..01 lit
plf1bnglfl'O\JldbellW-"(MJchllldalyplriodlcllltol
032"""
-------------- .
r '" PJ'tfla~ pOOed 0' wlibnd.tJ,l ~ kr III Cl!.h lII.h.rl:f11 in
.".,~cyclt~'Qonaltft"Nov.nbx2J.111)4,lh.AflR
IM'f ~'ry 1he "" it del.m....d la each bUlfll~ ~.to1 by adQr9
47.",lotllhicilttlPrrr.nall,tp:AlEldn'h.W.ISlrett
Jou'n.on....IMlblAin..day ollhe p"'KJJI calfl'dv lfJIlr\t1
n..'I. milt charQ41 qulrlerly an.t d t.. ,flec.b,.,llft luIIowirlQ
~"cyt"
FOl ~dlaWl~O' wbtandlrQardla IlcnhadvlIJ:ts~
IrJt ~t"fdlclof,ingon(l11\lIM.y 1,lW5,IIIAPRmlYv,ry
1M ""isdl.lIfintdk.ftllchbd\lngl*lodby~. 2.t%1o
tle higtwslPriM R'."plIted In The Wa_ SlJ..IJoumaI tfllt-.
Ililbusil1ll" day at !he pr....iouIcalerda' QUIll", The 'I" rmy
d~ QU.""~ lilt... be Inectva 'tlt1olloifi'"Q blAineu cydt
VlIiabltna"hlormalion
Balara CllaJatKrl Matlod kr Pulchaus
AMuoIfH
Glatt P.,iod lor R.parmanl at III Balanol
kt P\J'dllMl
CashM,arce f.., TlInsacbOn Fee,lIle rH,
.nd~tllmilr..
II""
NoI leu Ihlln 25 day,
------- ------_.---~
At". O.tt Balara (nddng r.... pulch...,)
\15
Uolle"lllln25dl1ys
-----------.--- ---_._.._--~_.__.__._.._.- - --.
AvtllQt Oaity 8.1l.1.ru {ncw1iQ IIll. pu-c1lr.1S8s1
1. Caloh Ad~ar.:e ft. . UOIJI
2. TllraaclloOfee\loIpurch,l'<8sl.tktl8
3.l.leh,.flor8
.. ~8IkrlMlroe.'10
1. C.$.hMoIf'C'IF..-~
2. Tlar61Clloor..(IotPJIchest,J.lkn
3. lller..-fkn
4. OierlmHee.$IO
YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE
This notice conlains important informalion about your rights and our responsibilitias under the Fair Credil Billing Act.
NOTIFY US IN CASE OF ERROR OR QUESTIONS ABOUT YOUR BILL
II you Ihink yOUI bill is WlOt'lQ, 01 il you nood mOlo illlorrnolioll nbDut 0 Ilnl1sacllOn all your lull, Wllto 10 us on B ~apalalo sheol Bllho addless hsted on your bill. Write 10
usu soon as posslblo Wo musl hOBllIom you 110 laler thol1 GO days ollor wo ~0111 you Iho Ilrsl Lull on which Iho elf 01 01 ploblem eppoaled. You can telophone us, bul
dOlllg 50 WIll nol p,esorvo your 1'01115.
In youllellOl ONe us Iho 101l0Wlng inlolmallOO: III YOUI nomo And accounl numl,JOI. (2) Tho dollar alnount 011110 suspoclod 01101. (31 DOSClibo Ihe 01101 and explain, iI
you con, why you bolieve Ihore IS 811 ollor. II you neod more mlonnallOfl. d05CIII.JO the tlum you Ble nol su,e about, bul II tho amount on I Ie Ilalemenl doel nol cOllospond
10 lhe Dlnoun 01 your ulos slip or you have not locewod tho propol CIOdl1 on youI Slolol11onllol mOlchandiSe ,elurned, a copy 01 the lales 'lip MUST accompany
yourlollel.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRmEN NOTICE
We musl acknowtedge your lollor, within 30 days, unloss wo hnvo cOlloctod tho 011 or by Ihen Within 90 days, wo musl oithol correcl the orlor or oxplain why we boliovo
the bill was corroet.
Allol ,we lecoive yOUI 10UOI, wo cannollry 10 collacl OilY Amounl you quo\llon. 01 IItpOlt you os dolinquent. Wo can contmuo 10 bill IOU 101 Iho Imount you ale
qU8Sh0ll11lg, Including Ilnar'K:o ch81ge5, and we can apply AllY Url~lilld amounl 09,11I1,,1 yOUI CIOdl1 IrfOlI You do nol hAVO to PAY Iny ques ICOed .mounl whde we ero
investlgatmg, but you ele 5111I obhoalod 10 PlY tho pSltS 01 rou1 LllIlhol aro 110tll1 qlloo;tlon.
II we Ilnd Ihal we made a mislako on YOUI bill, you wll nollmve to pay Imy Ill1arleIJ chargo\ related 10 onl quostioned SlIlount It we did nol make a mislake, you moy
have toJ'sy linanc. chalges, and you win hevo to m8ke up OilY l1\1ssed poyrmml$ Olllho qlJoshonod el1lounl. n olthol cne, we WIll &Gnd you _ Ilolomenl ollhe .mounl yOU
ow- an tho date Ihalll il due.
"IOU 101110 pay lhe amounllhal wo Ihink you owe, wo may lopoll you as dohnquonl Howevel. II 0111 8lplanation dool nol satl5ty you alld yOU wrilo 10 us within ten
days elling us Ihal you 11111 ,efuso 10 pay. wo musllell anyone wo r"Port youlO that you havo a quo'>hon a.boUI yOUI b~1. We musl toll you tho name 01 anyone wt lepofted
you to. We must toll enyone WB IGpO,I you 10 Ihallho malleI has veon sonlnd tJoIWI10fl us whon It finally IS
II wo do llollonow IhOle lulel, wo cannol collec! Ihe 11151 $!iOOO 011110 quosholletJ lunoul1t, ovon 11 youl bin was correcl
SPECIAL RULE FOR CREDIT CARD PURCHASES
II you have It ploblem with Iho qualify 01 proporty 01 selvico Ihnl you purch~,>od wllh a credll COld, nnd you hAve tried In good lllilh 10 correct the ploblom with Iho
merchanl, you may hevo Ihe light nollo p"ylhe lornOllll~ omounl duo on Ihe propolly or Sf}fVlCn~ 1 hOlo OIalwo hrmlabons on tho light
A. You must have madalhepulchaselnyouI homo Ilalo or,lI nol wllhulyour homo slnlowllhln 100 mllos 01 your cUllenl mailing addless; end
D. Tho purchase plica must hava boon mOlalhan $50,00.
lllesolunilehonl do not aPJ*i II we own 01 operalo Iho mOlchall!, or iI wo mailed you Iho advDlllsernonllof UIO property ol,OMce,.
~
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~o. ________._____________ -renn, 19______
----------------------------------------.
YL
PRAECIPE
F"ued ___________________________ 19______
__________________________________, .~lry,
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