TAILIEUCHUNG - Gale Encyclopedia Of American Law 3Rd Edition Volume 3 P30

Gale Encyclopedia of American Law Volume 3 P30 fully illuminates today's leading cases, major statutes, legal terms and concepts, notable persons involved with the law, important documents and more. Legal issues are fully discussed in easy-to-understand language, including such high-profile topics as the Americans with Disabilities Act, capital punishment, domestic violence, gay and lesbian rights, physician-assisted suicide and thousands more. | 278 CREDIT A sample plainlanguage credit cardholder agreement continued . ILLUSTRATION BY GGS CREATIVE RESOURCES. REPRODUCED BY PERMISSION OF GALE A PART OF CENGAGE LEARNING. Plain-language Cardholder Agreement 18. Other Charges. The Total Other Charges is the sum of a. Membership Fee. We charge a membership fee of 0 per year which will be billed to your account during the same renewal month each year. If we assign your account a renewal month other than the month of your first billing statement we may assess a partial Membership Fee prorated for the period until the first renewal month. All Membership Fees are payable when posted to your account and are non-refundable except as otherwise provided for by law. This annual fee shall be treated as a credit purchase for purposes of calculating Finance Charges unless prohibited by law. b. Late Charge. If we do not receive at least your minimum required payment within 10 days after the closing date subsequent to the payment due date indicated on your billing statement we will impose a late or delinquency charge of . c. Overlimit Charge. Each time your New Balance exceeds your maximum authorized credit we will impose an Overlimit Charge of . d. Replacement Card. We reserve the right to charge you to replace a card. e. Non-Sufficient Funds. We reserve the right to charge for non-sufficient funds. 19. If You Change Your Name or Address. You agree to notify us in writing within twenty days if you change your name your home or mailing address or home or business telephone number. 20. Our Right to Cancel Your Account. We can cancel your account at any time or reduce the amount of your credit line without notice to you except in those situations where notice is required by law. If we cancel your account you agree to destroy all Cards issued on your account by cutting them in half and returning them to us. You will continue to be responsible for full payment of the balance on your account and all charges to

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