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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 Jaw, 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) which 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 Jetter, 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 applied against your credit limit. You

cannot be threatened 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

charge~

on the

.a~ount

in dispute,

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

payments on the disputed amount. Unless you have

~greed t~~t

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

no~1f1-

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 whom 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 Utah Uniform Consumer Credit Code also requires prompt

correction of billing mistakes.

The Equal Credit Opportunity provisions of the Utah Unif9rm

Consumer Credit Code are administered by the Department 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 has 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 regularly uses and is generally

known by, so long as no fraud is intended thereby.

NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS

SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR

COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES

OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF.

RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED

AMOUNTS PAID BY THE DEBTOR HEREUNDER.

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.

Receipt of this Agreement (for retention) Is acknowledged.

RETAIL INSTALLMENT CREDIT AGREEMENT

Vice President

APPLICANT'S SIGNATURE

CO-APPLICANT'S SIGNATURE

(for Joint Accounts only)

Keep this copy of the Credit Agreement, pages 341 and 342.

Catalog merchandise listed below may be purchased on·Time Payment

Air cleaners

Air conditioners

Appliances, electric

Auto batteries

Automotive supplies

Bath room fixtures

Bedspreads

Bicycles

Binoculars, Telescopes

Boats

Building supplies

Calculators

Cameras

&

equipment

Camping equipment

Carports

Carriages

&

strollers

342

JCPenney

Cassette recorders

CB Transceivers

Ceiling panels

&

tiles

Chandeliers

Clocks

Cookware

Dehumidifiers

Diamonds

Dinnerware

Doors

Draperies

&

drapery hardware

Electrical goods

Exercise equipment

Farm equipment

Fencing

Fireplaces

&

equipment

Flatware

Floor coverinas

(except bathroom rugs

&

bathroom carpeting)

Floor polishers

Fur coats (over $200)

Furniture

Garage doors & openers

Guns

Hair dryers, stylers

Health aids

&

accessories

Heaters

Hospital supplies

Huntin& equipment

Kitchen cabinets

&

sinks

Lamps

lawn

&

garden equipment

lighting fixtures

lugeage

Mattresses & box springs

Mirror consoles

Mirrors

Mobile home accessories

Musical instruments

Nursery equipment

Office equipment

Outboard motors

Paint supplies

Patio covers

Pet supplies

Phonographs

Playground equipment

Plumbina-heatin& supplies

Pool tables

Power tools

&

accessories

Pumps

Radios

Range hoods

&

fans

Ready-to-finish furniture

Rua shampooers

~~Hsboats

Screen houses

Security devices

Sewing machines

Shelving

Shutters

Slipcovers–

Smoke detectors

Sporting goods

Stereos

Storage buildings

DATE

DATE

Storm/ Screen doors

Swimming pools & equipment

Tape decks

Televisions

Tents

Tires

Tools & equipment

Trailer accessories

Traverse rods

Typewriters

Vacuum cleaners

Venetian blinds

Wall coverings

Wall decor

Watches

&

fir.e jewelry

Welding equipment

Wheel chairs