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HERE'S WHAT TO DO IN CASE OF ERRORS

OR INQUIRIES ABOUT YOUR BILL

The Federal Truth in Lending Act requires prompt correction of

billing mistakes.

If you want to preserve your rights under this law, here's what

to do if you think your bill is wrong or if you need more informa–

tion about an item on your bill:

Do not write on the bill. On a separate sheet of paper write (you

may telephone your inquiry but

doing

so

will not preserve your

rights under this law)

the following information:

• Your name and account number.

• A description of the error and an explanation (to the extent you

can explain) why you believe it is an error.

• If you only need more information, explain the item you are not

sure about and, if you wish, ask for evidence of the charge,

such as a copy of the charge slip. Do not send in your copy of

a sales slip or other document unless you have a duplicate

copy for your records.

• The dollar amount of the suspected error.

• Any other information (such as your address) whieh you think

will help the creditor to identify you or the reason for your com–

plaint or inquiry.

Send your billing error notice to the address stated on your bill.

Mail it as soon as you can, but in any case, early enough to

reach the creditor within

60

days after the bill was mailed to you.

The creditor must acknowledge all letters pointing out possible

errors within

30

days of receipt, unless the creditor is able to

correct your bill during that 30 days. Within

90

days after receiv–

ing your letter, the creditor must either correct the error or

explain why the creditor believes the bill was correct. Once the

creditor has explained the bill, the creditor has no further obliga–

tion to you even though you still believe that there is an error,

except as provided in the paragraph marked *. After the creditor

has been notified, neither the creditor nor an attorney nor a

collection agency may send you collection letters or take other

collection action with respect to the amount in dispute; but

periodic statements may be sent to you, and the disputed amount

can be applled against your credit limit. You cannot be threat–

ened with damage to your credit rating or sued for the amount

in question, nor can the disputed amount be reported to a credit

bureau or to other creditors as delinquent, until the creditor

has answered your inquiry.

However, you remain obligated to

pay the parts of your bill not in dispute.

If it is determined that the creditor has made a mistake on your

bill, you will not have to pay any finance charges on any disputed

amount. If it turns out that.the creditor has not made an error,

you may have to pay finance charges on the amount in dispute,

and you will have to make up any missed minimum or required

payments on the disputed amount. Unless you have agreed that

your bill was correct, the creditor must send you a written notifi–

cation of what you owe; and if it is determined that the creditor

did make a mistake in billing the disputed amount, you must be

given the time to pay which you normally are given to pay un–

disputed amounts before any more finance charges or late

payment charges on the disputed amount can be charged to you. ·

*If the creditor's explanation does not satisfy you and you notify

the creditor

in writing

within

10

days after you receive his expla–

nation that you still refuse to pay the disputed amount, the

creditor may report you to credit bureaus and other creditors

and may pursue regular collection procedures. But the creditor

must also report that you think you do not owe the money, and

the creditor must let you know to whom such reports were made.

Once the matter has been settled between you and the creditor,

the creditor must notify those to )Nhom the creditor reported you

as delinquent of the subsequent resolution.

If the creditor does not follow these rules, the creditor is not

allowed to collect the first $50 of the disputed amount and finance

charges, even if the bill turns out to be correct.

If you have a problem with property or services purchased with

a credit card, you may have the right not to pay the remaining

amount due on them, if you first try in good faith to return them

or give the merchant a chance to correct the problem.

The Federal Truth in Lending Act and the Utah Uniform Consumer

Credit Code require prompt correction of billing mistakes.

The Federal Equal Credit Opportunity Act prohibits creditors

from discriminating against credit applicants on the basis of

sex or marital status. The Federal agency which administers

compliance with this law concerning this store is Equal Credit

Opportunity, Federal Trade Commission, Washington, D. C.

20580. The Equal Credit Opportunity provisions of the Utah

Uniform Consumer Credit Code are administered by the Depart–

ment of Financial Institutions, 10 West Broadway, Suite 331,

Salt Lake City, Utah 84101.

Illinois Law requires the following Notice: (a) No applicant may be denied a

credit card on account of the applicant's sex or marital status. (b) The applicant

may request the reason for rejection of his or her application for a credit card.

(c) No person need reapply for a credit card solely because a change in marital

status hall caused a deterioration In the person's financial position. (d) A person

may hold a credit card In any name permitted by law that he or she reg arly

uses and is generally known

by,

so long as no fraud is Intended thereby.

Notice to the Buyer: Do not sign this credit agreement before you read it or If It contains any blank spaces.

You are entitled to a completely filled In copy of the credit agreement you sign. Keep It to protect

your legal rights. You have the right to pay In advance the full amount due.

I acknowledge receipt (for retention) of this Retail Credit Agreement.

I/

Vice President

and Treasurer

APPLICANT'S SIGNATURE

SPOUSE'S SIGNATURE

(for Joint Accounts only)

DATE

DATE

Merchandise listed below may be purchased on Time Payment.

Air cleaners

Dinnerware

Hassocks

Patio covers

Stereos

Air conditioners

Doors

&

windows

Hair drYers

Phonographs

Storage buildings

Antennas

Draperies

&

drapery hardware

Health aids

&

accessories

Plumbing-heating supplies

Tape decks, recorders,

Appliances, electric

Electrical goods

Home appliances, electrical

Portable heaters

accessories

Automotive supplies

Hunting equipment

Pool tables

Televisions

Bath equipment

Exercise equipment

Kitchen cabinets

&

sinks

Pools and pool equipment

Tennis tables

Bedspreads

Farm equipment

Lamps

Power tools

&

accessories

Tents

Boats

Fencing

Lawn

&

garden equipment

Radios

Tires

Building materials

Fireplaces

&

equipment

Lighting fixtures

Range hoods

&

fans

Tools

&

equipment

Calculators

Floor coverings

Luggage

Ready-to-finish furniture

Typewriters

Trailer accessories

Cameras

&

equipment

(except bathroom rugs

&

Mattresses and springs

Rug shampooers

Transceivers

Campina equipment

bathroom carpeting)

Mirror consoles

Security devices

Vacuums

Carriages

&

strollers

Floor polishers

Mini bikes

Vanities

Carpeting, indoor/outdoor

Fur coats (over $200)

Mobile home accessories

Sewing machines

Carports

Furniture

Motorcycles

Shelving

Venetian blinds

Clocks

Musical instruments

Shutters

Wall coverings, decorations

Cookware sets

Garage doors

&

openers

NurserY equipment

Silverware, stainless steel

Water heaters

&

softeners

Garden tools

&

equipment

Skis, snow

Welding equipment

Dehumidifiers

Glassware

Office equipment

Slipcovers

Wheel chairs

Diamonds

Guns

r

Outboard motors

Sporting goods

Wrist watches

&

fine jewelry

336

JCPenney

·

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