Kardonick v. JP Morgan Chase & Co. et al

Filing 438

RESPONSE to 406 MOTION for Bond Plaintiffs' Motion to Direct Objectors to Post Appeal Bond filed by Trevor Grant. Replies due by 1/9/2012. (jua)

TREVOR GRA NT
PO BOX 3278
conroe texas 77305

UN ITED STATE S D ISTR IC T COUR T
SOUTHERN DISTRICT OF FLORIDA

936 537 0883
12 26 2011
PLAINTIFFS .

am filing

C .A .NO . 1.10.cv .23235 .wmh

on objections. and

a law

suit

DAUID KARDONICK .JOHN DAVID A ND M ICHA EL CLEM INS .
INDIVIDUALLY AND ON BEHALF OF ALL OTHERS SIMILARLT
SITUATED .
JPMORGAN CHASE & CO .AND CHASE BANK USA . . A .
N
AND THE AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA
DEFEN DANT S .

PLAINTIFFS .MOTION TO DIRECT OBJECTORS TO POST APPEAL BOND
AND INCORPORATED MEMORANDUM OF LAW IN SUPPORT
INTRODUCTION
LEAD PLAINTIFFS DAVID KARDONICK .JOHN DAVID AND MICHAEL

CLEMINS.ON BEHALF OF THE CERTIFIED CLASS ( COLLECTIVELY.
PLAINTIFFS) RESPECTFULLY SUBMIT THIS MOTION AND MEMORANDUM

OF

LAW

IN SUPPORT

I AS ON OBJECTORS IS REQUIRING TO COLLECTIVELY POST A $ 35.000

appeal bond in this case the plaintiffs attorneys have not
incoraped the american bankers insurance company of florida

in a11 its finding and dat is reasen for my objections and my
1aw suit
the

amount of insurance unemployment coverage per insurance

per account is $ 25.
ooo and when compounded by 15.000 000
account the amount $ 2.223.000 000 wort of misstake by lead

plaintiffs and administration base on such finding i am asking
the court to dismiss the requirement of an appeal bond under
appellate rule 7 is left to the discretion of the district

court and the appellate jurisdictionaj in the federal system of
procedure is purely statutory) adsani v,
miller.139 f.3d 67.
76.77 (2nd cir.1998) the right to appellate review in
federal court is conferred by statute alone) and is not a law
this case i am asking this court to dismiss the requirement
of on appeal bond or security of any types .

case

c .a .no .1,10.cv .23235.wmh

page 2
claimant trevor grant
account no xxxxxxxxxxxx 8707

claim number g5873931 on june 22. 2009 this claim wos file an

time we have no work and now became unemployed and stâtezdûseénot
.
have

unemployment for busines owners

voluntary forfeiture of salary.intentional surrendering

of employment income we we/iious.
and our .american bankers
insurance company of florida .
you yand ryour , the primary insured debtor the person whose
name the accunt is issued in and named in the schedule
who may be referred to as he , his yand him ,regardless of gender ,
insuring

agreements

in return for the payment of premiums we will insure
i.advances made by you to your revolving account
adg139cq .0499
claims

when you or a benefiary named in your credit insurance policy
fies a claims promptly if the insurance company failes to meet
the claims processing
and payment deadlines in the insurance code and in
the policy you or the named beneficiary has right to collect
18% annual interest and attorneys fees in
addition to claim amount. n 1726.0993
important information abount coverage under the texas life .
accident health and hospital service insurance
guaranty associatin for insurers insolvent or impaired
on after september 1.2005.

texas law establishes a system abmistered by the
texas life .accident .hea1th and hospital service insurance

guarant associationt the association ) to protect texas
policyholders of insurance companies which are members
of the association are eligible for this protection

which is subject to the terms.limitation .
and condition
of the association law ( the law is found in the texas
insurance code .
article

21.28.
d.)

if an insurance company violates your rights you have the
right to sue that company in court including small claims
court .with or without an attorney or file a complaint
with the texas department of insurance

you and your beneficiary have the right to reject any
settlement amount offered by the insurance company
if the amount of your insurance coverage exceeds the
loan pag .off .the settlement must include a cash
payment for the excess amount

case c.aono .l.

1O.cv.23235.wmh

page 3
texas and federal law give you certain rights
credit di

regarding

sability ( also called credit accident and
health) and lnvoluntary unemployment insurance this bill
of rights identifies your most important rights but it does
not i
to th nclude al1 your rights also there some exceptions
e rights listed here if your creditor seller . agent
company
or adjuster tells you that one of these rights does
notapply to you contact the texas department of i
nsu rance
involuntary unemployment benefit we will p
benefit if
ay a monthly
your loss of employment not excluded
from coverage.or
temporary unemployment due to labor disputes . strike oor long
as you are not .
a . participating interested in . or helping to finance
the strikes or labor dipute yor disqulified from receiving
unemployment benefits under the state . s 1aw with regard to
your participation in a strike or labor dispute .
my

co m

right is violated by the american bankers insur
an ce
pany of florida
lifeplus

the summary of this insurance

i am asking for a sum of $ 5. 000 .000 in damages
for one contractholder regardless of the number of
contracts aggregate limit and for $ 500 . 000 for court
cost and attorney fees plus to ristore a1l credit
reporting agances record

<

ca se c .a rno .1.10 .cv .2 323 5 .wmh
.
)
'.

EXH IBIT . A

AM ERI
CAN BA NKERS I
NSURANCE CO M PANY
OF FLORI
DA
1 22 QualRoos Drve Mi , ord 3 5 (0 25 -24
1 2 i
t i , amiFl ia 31 7 3 5) 32 4

SCHEDULE
PRI
MANY I
NSURED DEBTOR

*
AGE

TnE
voR GRANT

42

BI
RTHDATE

Mo. DAY YR. Ac
cozN-ANDCER FCA NUMBER: 5222760060228707
r
TII TE
06//1966
85694C8 *707
MA MUMAMOC OFI ANCF$ 25.
XI
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THE PREMI CHARGE FOR THI I
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THE PRI
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AF99962Q0499

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85 9 2. 13
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AM ERI N BAN KZRS LI ASSURANCE CO M PA NY
CA
FE
A M ERI N BA NKERS I
CA
NSURANCE C OM PANY
OF FLORI
DA
1 2 2QuaiRo Drve Mi , 3317- 96(0 25 -24
12
l ost i , amlFL 5 65 3 5) 32 4

Consum erBilofRi s For
l
ght
Cr tLie,Cr tDi l y,
edi f
edi sabii and I unt y Unem pl entI ance
t
nvol ar
oym
nsur
AVB O :E t docu ent pl ea s der hos c o as ado.Used t elder ho de lam a a s c paff y pedil una
se
m o ant us ec
om
egur
t i
ene
ec
l r u om l
a
re
c a en es folde s der hoscom o as a
opi
pal
us ec
egur do.

I
NTRODUCTI
ON
Thi BilofRi s i a s
s l
ght s ummar ofyourrght and does not
y
i s
bec
ome a par of your polc or c tfc e. The Texas
t
iy
eriiut
Deparm e of I ur e adopt t Bil of Ri s and
t nt
ns anc
ed he l
ght
r r i ur e c panis t pr de you w ih a copy
equies ns anc om
e o ovi
t
when t y i s you a polc orcerii at
he s ue
iy
tfc e.
Texu and f de a i gl you cera lght r dl
s
e r i aw ve
tm l s egar ng

cedi lf cr tdiabii ( s c ed cr taccdent and
r t ie, edi s lt alo ml
y
edi i
he t ,a i untr unem pl
alh) nd nvol a y
oymentis anc Thi Bil
n ur e. s l
ofRi s i iis your mos i porant rght,but i does
ght dentfe
tm t
i s
t
noti ude al your rght zlo,t e ar s e e
ncl
1
i s. ts her e om xceptons
i
t t rght l t her l your c e t , s l , agent
o he i s i ed
s
e, f
r dior el
er
,

The t a c tofc e tm ea t t aldol am ount
otl os
r di
ns he ot
l
ar
y hav t pa dlrng t t m oft l n i or
ou e o y li he er
he oa n der
t geta l Aou- c edjor mus t lyou i wrtng
o
oan. r
r t
t el
n ii

t t alc tofcedi (i nc c ge)and t a
he ot os r t fna e har
he nnual
per nt r t ( .l yourcediorr llr c edi
ce age ae APR) f
r t etties r t
i ur nc t t s fgur m us i l t c e t
ns a e, hen he e i es
t ncude he r di
i ur nc pr i s.
ns a e em um
zour c edlor a l ur
'
r t nd ns ance com pany ca ll m ake
ll
ot
untue, m iiadi or dec i sae enk t y
r
se ng,
ept
ve ttm s o ou
r utng t i s anc
el i o n ur e.

company,or a userl l you t one oft e rghl does
dj t cl
s
hat
hcs i s

You h
ave t rght t) us ot i ur
he i ( e her ns ance polces
ii
i cad ofbuyi cr :i ur
nst
ng edi ns ance.F e f e,y
br xanpl ou
c us a t m le polc t)s if t r lel
an e er i
f
iy ( alsy he eqti nent
r
f cr tl e i sur e.l cr ti i ur e i r r
or edi i n anc f û l ns anc s equied,
f
t
ytur cr t m us t l you abtut ll rglt b or
l
edior
t el
l li i l ef e
s
ytur c eti tans ton i cof et
l r lt r ac i . npl ed.
s

'li Bilof Ri s does not addr s y l r
Ils l
ght
es otr esponsi lt
bi i
ies.
Your rspon biii c cer ng your i ur c c b
c si lt
es on ni
ns anc an c
f
ound i y polc Ial c t m eetyour oll i n y
n our iy, 'iur o
li ons m
gat
af tyourrgll.
fec
i ls
'

I y cedi ofer t s ly cr ti ur
f our r t f s o el ou edi ns ance,you
or
la rtl rgi!t bt t d i N ii tl fllk s :ftl
lvt lc i l o t ol n vrlng l tl ' l )'ie
e
o
cedi i ur
r t ns ance l f e you buy i.
x or
l

notappl t you,c actt 'exus Deparm entof I ur c
yo
ont he I
t
ns anc
at1800- 313
- 252- 9.

I
NFORMATI
ON
You ha t rght t c l t Texa Dcparm entof
ve he i o al he
s
t
I ur e fec ofchar at 1800- 2- 5 t l n
ns anc r
ge
- 25 31.9 o ear
m or about
e
:
* yourrght a an i ur e cons er
i s s ns anc
um ;
* t lc e sat of an i ur
he iens t us
ns ance com pa or
ny
agent
;
an i m r e com pa sfna i condii
ns anc
ny' i ncal
t
on;
t compl nt r i and tfe of c ume
he
ai at
o
y)
ons r
com pli sfl agai tan i ur nc c pany;
ant ied
ns
ns a e om
* an i ur nc c pany' r e as c par t t
ns a e om
s at
om ed o he
maxi
mum r e s by t St eka
at et he at nd
ot c
her onm m er c er
onc ns.

You have t rghtt a t lfee number t c lyour
he i o ol-r
o al
i mlance c pany fee ofchar w ih que tons or
n. r
om
r
ge t
si
c
ompli You c fnd t s number on a notc
anz.
an i hi
ie
ac ompanyi your polc or c tfc e. Thi
c
ng
iy
eriiat
s
r r nt doe not appl t s l i ur e
equieme
s
y o mal ns anc
c
ompani s.
e

BUYI I
NG NSURANCE
You ha t rg t a wrten notce cea l sai
ve he iht o
it
i l ry ttng
w het you ar r r t pr de i ur nc i
her
e equied o ovi ns a e n
or r t r ei cr t and i s w hat tpe of
de o ec ve edi,
f o,
y
i ur nc i r r
ns a e s equied.

N1
7260993

I you buy cedi i ur - yourcr t np lgi
f
r t ns anci,
'
edi
or us ve
you a copy of your applc i f or notce t
iaton or
i f
pr ed ilur e,a cerii t or a I iy att
opos Ts anc
lfcae,
rlc
he
t e your l n i made. I you ar not gien tl
i
m
oa s
f
e
v le
polc orceriiat a t tm e te l i m ade,t
iy
tfc e t he i h oan s
he
i ur e c pany mus s
ns anc om
l end y t pol c,
ou he
i .
cy r
c t iat wihi 15 da
eri c e t n
f
ys.
The polc c tiat appl i
iy, eri c e,
f
i on, or nctc of
cat
ie
pr e i ur e mus i tde t name and hcme
opos d ps anc
t ncll he
ofi a es of t i ur e c pa a t
fce ddr s
he ns anc om ny nd he
a ounland t r ol tl pokc 'ie a jutof Jl t
m
efn
ie i y. Il ppic i i lus
as i ude a bre des i i of t coverpes
lo ncl
if crpton
he
n
pr ded by te poic
ovi
h
iy.

The is a e c
n urnc ompany mus us polcy f nl t t
t e i or s ha
have bee appr
n
oved by t Te Deparment of
he xas
t
I ur e.iat m us alo beappr
ns anc l es
t s
oved exc f :
ept or
. cr tlf ordia lt i r e wher te tr
edi ie
s bi y nsu anc
i
e h em
of t l or ot c e t ea a in i mor
he oan
her r di ns cr s
o .
e
t n 10year;
ha
s
c e t i ur c on frt morg
r di ns anc
is
lages and
c
omm er alpr t l
ci opery oans;a
nd
* c e tle u cedi diabiiy i ur e whih i
r di j nd r t s lt ns anc
f
c s
pai f by yourcr t ,
d or
edior
l t pr il f yourc e ti ur e ha botbeen
f he em tm or
r di ns anc s
fxed or a ove by t Texa Depa t
i
ppr d
he
s
rment of
l ur nce,you mustbet d t si wrtng.
ns a
ol hi n ii

N12Z10
7G-13

CANCELLATI ANQ REFUND.
ON
$
-

-

You ha t rgltt c
ve he i l o ancelt i ur e polc at
hc ns anc
iy
any lme i y bougltoptonalc edi ii ance ori
i f ou
l i
r t rsur
f
you hav s tm t c age f r r c edj
e ubsj e over
or equied r t
il ur ? e.W hen you canc :
rs nlc
el
* you hu tl rghtt r ei a pr i rf
ve le i o ec ve
em um e und
F t r ai ng polc t m i you wer
or he em ni
iy er f
e
c ged a pr i f t f lt m oft cedi
haf
em um or he ul er
he r t
contac .The r f
r t
e und m ay be cr td l your
edie o
ac ounti medi el or when you pa of your
c
m
at y
y f
l
oan.
t l cedier mus dic i t c ge i t
h' r t
t s ontnue he har f he
u, dj i ur
d t ns ance pr i i c ge m ont y on
em um s har d
hl
2 c edi c d.
r t ar
fven i your cr t c d ac
f
edi ar
count r quie cr t
e rs edi
i u,nc you ha l rghtt ca elt i ur e
ns ' e,
a
ve he i o nc hal ns anc
i yt crdiorchangesi ur e compani .
f mr e t
ns anc
es

. pr ofdeal 'and
oof
h,
pr
oof t t c a r nt has t rght t t
hat he l ina
he i
o he
pr ds.
ocee

You and yourbenefci y have t rghlt r ec any
i al
he i o ej t
s tem enta ountofer by t i ur e c pany.
etl
m
f ed
he ns anc om
l t a ountofyouri ur nc cover e eedst
f he m
ns a e
age xc
he
l n pay- f t s tem e mus i l
oa
of, he etl nt
t ncude a c h
as
paymentf t e es a
or he xc s mount
.

I an i ur r j t a cam agai t your c e t
f
ns er eecs
li
ns
r di
i ur e pol you and y be fca have t
ns anc
i
cy,
our ne iinr
he
rght t a wrten notc sat t r s f t
j o
it
ie t i he ea ons or he
ng

'

You a yourbene ii y ha t rghtt be teaed
nd
fcar ve he i o
r t
fil and hone ty when makj a cli . I you
ary
sl
ng
am f
belev an i r e c pany ha le ed you
i e
nx anc om
s rat
unf ry,c lt Depa t
ail al he
rmentofI ur nc .
ns a e

c ediornl gi you w rten notce of
r l ust ve
it
i :
* isdecii t c
t
san o hange i ur
ns ance ( m panis:
'
o
e
any s antaldei e e i cover e;and
ubst i
r as n
ag
a ch
ny ange i1tl pr m i .
: le e un)

The cr li r nc c puny c
edi nm a e om
annotdeny yourcai
lm
ory b iir scl m b aus you m adc a fle
our enefca y' al ec e
as
sat ent on your applc i unl s t i ur nce
l em
ialon
es he ns a
company:
. pr
ovest tt misalm ellwasm aeralt y
ha he s t e l
t i o our
rsk oracl l c riut t tl c s tf your
i
ualy ontil ed o le au e )
cl nl and
ai '
,
notfesyot tl l cl rctw ilno!be lonor
ii
l lal he lntu
l
l ed
w ili 9) days (f (1 dat tl ctm pany (r is
tln (
) 1f c le l
J
) t
agenldic er tl snl
s ov ed lc l emen!wa fle.
s as

l you:
f
. pay of yourl eary;or
f
oun l
. c
ancel; polc
) i y,
t i ur e c puny l t calul e your ftund
he ns anc onl
nus
c at
tf
usng tl r f
i le eund f r a s ott i ytur polc (r
ornul et , n l
iy )
c tlcut of i ur
eri e
i
ns ance.''i f;ltdots notappl i
lts I l
l
J
t
y f
'
yourr und i ls tl one dol r
ef s t s lan
t
l.
n

I
Ms

f cei :
e ves

rei
ejcton.

'':t ( 0)da bef e t change t s efec , t
lhry 3
ys or he
nke f t he

c

pr es ed and pai pr
oc s
d ompty,The i ur e c
l
ns anc ompany
mus s te acl m wihi t mont fom t dat i
: etl ai t n wo
hs r he e t

.'-'
v<-

ENFORCI YOUR RI
NG
GHTS

Av '
.

Y(t lav tl rglt t c pl n l l t 'exus
)1 l e le i l o onl ai o ht I
Icparment of I ur ce al tt any is ance
l t
ns an
xll
n ur
cl
lmpany and/ i tr t maler and !) r eie a
or nslanct t
( cc v
pr
ompti tgaton and r pons t y c
nvesi i
es e o our ompl nt
ai .
- )do s 1you siotl
1
4
o
l id
. c l18* - - 459.
al - 252 3 ,
w rt t t Te s Deparment of I ur e,
ie o he xa
t
ns anc

Gener l your i ur
al
y,
ns ance com pany m us appr c or
t
ov

.

%'k ' (l a bentfcal nar
v;un )
%
ou )
t iy
i
ned i y
n our cr l
edi
l trnc pol fl a cain,11 i ur
nsla e i i
cy es l l 1e ns ancc company
mus pr s and pay tl vain pr
t oce s
l( l : ompty. l tl
?
l I he
'
i ur nce c pany f l t m eett cli s prx es ng
ns a
om
ais o
he a m
r si
apd pa
ymen:deadl i t I ur e Code and i
i n he ns anc
nes
n
t l iy,you ort named bencfci ' has t rglt
he rlc
he
i al
y
he i l
l c l t 1 annual i er t and ator s fes i
o ol
ec 8%
nt es
t ncy' e n
a t n t t cl m amount
ddli o he ai
o
.
-

* f x yourcompl nlt ( 2)4 . 771
a
ai o 51 751

Cons
umcr S vies ( - A) P. Box 149 ,
er c 111 1 , O.
091
Ausi Texas78 4tn,
71 9091)of

deny t ci m wihi 36 da afer t c
he ai
tn
ys t be ompaly
l
r ei s notc ofyour cl m ( us t Nme y or
ec ve
ie
ai pl he
ou
l naned beleii ' ëke t pr de r quesed
he l
lfcal a o ovi e t
y
i or ton) unls t c
nf ma i
e s he ompany notfes you or t
ii
he

.

22. You have t rght t as i wrtng t t tl Texa
he i o k n ii ha te
s
Deparm ent of l ur e m ake or change r es on
t
ns anc
ul
any cr t i mr e is tat c
edi ns anc r ue h oncer you. Se
x
ns
nd
your w rten r
it
eques t Texas Depa t ent of
t o:
rm

I t cl m i appr d, your i ance com pa
f he ai s
ove
nsur
ny
mus pay t cai wihi 5 busne s days afer t y
t
he l m t n
i s
t he
notf you t y ha ac ed yourcai .
iy
he ve cept
l na

l urance,
ns

Atenton: Commisi
t i
s oner ( 1 1 , P.
1 2-A) O.

Box 14 04,Aust , Texas7871 910
91
i
n
4- 4.

Even i t beneiir i notnamed i)yourc edi lf
f he
fca y s
1
r t ie
i nr le m lc a cai on te polcy mus be
nscalc
iy,
lm
h
i
t
.

%*

.

I
f
ns a
ompan vi aes y
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AM ERI
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CERTI CATE O F I
FI
NVO LUNTARY UNEM PLOYM ENT I
NSURANCE

UNEM PLOYM ENT ONLY COVERS YOU. I I NOT JOI I
T S
NT NSURANCE.
Di osur ofGuar y Fund Non- tci i
scl e
ant
pari paton
I t event w e ar unabl t f fl ouT contact oblm ton under t s polcy,You ar not pr ectd by an
n he
e
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hi
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ot e
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ns ance guar y f orot s vency pr ecton ar ngem ent
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und
her ol ' ot i
m
-

30 DAY RI
GHT TO EXAMI CERTI CATE
NE
FI

' axi um am ount ofi ur
'
M m
ns ance' - t t alam ountof
' he ot
i ur
ns ance W e wi pay a a benei durng any one cai
l
l
s
ft i
lm
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i

You have t rghtt cxam i Your cer ii at f 50
he i
o
ne
tlc e or
da . I You are nots l You m ay ret r i t Us
ys f
ausfed,
'n to
u
orYour Cr t f a f lr und. W hen w e or Your
edior or ul cf
Ci t r T vc r i t éil caœ :
edlor ttei foir x il
1. any payment m ade f i wilbe r unded t
s
or t l
ef
o
You;and

'
' m um num btr ol benelt ' t t al number of
Mnxi
is' he ot
btnNf: W e s . pa: duzng z c.;,pwrod
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:
.
v' ( i k 1lr vti
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i wilbc deem ed voi Iom t bc#nni
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np

' icm ent
Retr
'
wihdr
t awal or r moval fom
e
r
em pl e due t c l l ofwor ng c eef
oym nt
o onc uson
ki ar .

DEFI TI
NI ONS

'
Benelt - l gr er of 1 sx ptrent () (f The
l' he eat : ) i tc
r%) )
I ut s ottl ng baanc due on t dae of
ns ed' lsandi
l e
he
t
i unt y unempl
nvol ar
oyment or 2) tl s ldul mi mum
;
le clt ed ni
t
mont y payment due on tl a ount on tl dat of
hl
le cc
le
c
i ol af unem pl
nv unt y
oyment
.

act
i
ve

' as
' onal cm pl cnt
Sc
oym
'
any occupaton wii l i
i
lc l s
peror e par (ft year e y y . 'le peror u of
f m d t ) he
f m nce
, ver ear 1 l
tls t c l r uls i Your t i unem pl td ar d
ii xlupalon es t n
xlng
oy! oun
.
tl s e tm e ea yea . Sc
lc am i
ch
r
asonal em pl ent alo
oynx
s
' i udes oc upat ns whi l c
ncl
c i
o
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o
'
. weat
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cas
tons

' nes day' - a da ot tl :aur , S
'
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'
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y
lolday r ognied by t St e ofTe .
l i ec z
hc al
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' el cm pl
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'
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ract '
i vi ulwl agr s t pcrbr c t n a i f anot
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o
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an i rspon bl onl f t r ul , but nots ectt
d s e
si c y or he es t
s
,
mbj o
diec i oftl pary hii I i .
r ton ie t rng l m

'
Cont cli st
r lnq ockhol '-an i vi wh lol mor
der'
ndi dual o l ds e
t 50 oftl votng sock ofl i c pany.
han %
ie i t
ls om

' iabily' - a i ur or scknes whi pr s The
D s lt ' n nj y
i s ch event
I w ed fom m ror i H i orany oc upaton.
ns
r
f m ng s
c i

' kc' A wor soppa by t empl
sœi '
k t ge
he
oyees of a
n
cmpl ert f c empl st c ede t s
oy o ore
oyer o onc
o omedemand

' lcc i Dat '-t dat t Cerii t i pkti f c . 1
' l tve e' he e he tfcae s l n ore !
E
is
s hown on t s hedul atached t t Ceriiat .
he c
e t
o he tfc e

'f Cr t '- t Cr dilrw ho holl t Gr M a tr
'hc edlor' he e t'
l
cs he oup se

' r t Benefcl
Fls
i ary Cr t ' - The Cr dior who wil
edlor'
e t
l
r ei t bereft t 'a of orr e Aaur debtdurng a
ec vc he
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i
cat pe i)
1 ' r(d
m

' por ry unem pl ent'- unempl
Tem '
a
oym '
oyment desgned
i
t I tsi ( cons utve mont orl c.
o as x 6) ec i
hs es

un f e' -t Ceriiat i i efec;pr ums ar pad;
l orc ' he t c e s n f t emi
f
e i
and al c tonsa e met
l ondii r
.

P l y a d t wl ted b i owe
oi ; n o l h e ts d.
c
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.

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' unt f f t e ofs ar '-i entonals r
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'nvol ary Unem pl ent'-t unc r l e l s of
T unt
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Yourem pl entfom Your em pl .
oym
r
oyer

Aj jan jg el
ueyr
j nk '
g

ï 'and ' our' - t Prm ary I ur Debt . The
'
You'
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' he i
ns ed
or
peron whos na t ac ounti is i a named i
s
e me he c
s s ued n nd
n
t s he e who may be r ered t as ' e, q'i' and
he c dul
ef r o
'
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Is'
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I
e dl s
r

'abotdlpul '-a tade orl uni wor soppage f
'
I
R e' r
abor on k t
or
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lc nvol
e ha
one peron.
s
'z
' xkout -t t
I
n he emm r a cosng ofa plce ofbusnes or
a l i
a
i s
frng of em pl
ii
oyees t dkc age uni a i tes or w i
o s our
on ctvii
n
c esi by t empl .
onc sons he
oyer

I
NSURI AGREEMENTS
NG
l r tln f t pa
n etr or he ymentofpr m ims W e wili r
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l nmle:
1 adva es made by You t Your rvol ng
.
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Your r vol ng ac ount up t t m .l m um
e vi
c
o he -xi
am ountofi ur
ns ancest ed on t s dul .
at
he che e

ba ed on Your outtndi acc i'baa on
s
sa ng
ourt lnce
t dat ofi
he e nvol ary unem pl ent
unt
oym
.

The Cerii t i s j t t t pr sons of t Gr
tfcae s ubec o he ovii
he oup

W hat w e wr n' pa l no event wil t t a beneft
t y: n
l he otl
i
pa ent e eed:
ym s xc
1. t m axi um am ountofi ur
he
m
ns ance s n on
how
t s hedul or
he c
e;
t e m axi um num ber ol'
h
m
beneft payment
i
s

Ma trPolc W e is t 'he Credior.
se iy
sued o r
t
Cover
age f one ac ount i lm ied t t m axi um
or
c
s i t o he
m
am ountofi
nsur e s n i t s
anc how n he chedul .
e

s
hown on t s hedul (fany) or
he c
e i
;

The Cerijat e dence cover
tfc e vi
s
age on Your r vol ng
e vi
ac ount I contnues a l a t e i an open bal e i
c
.t
i
s ong s her s
anc n

t amount outt ng on YouT r vi
he
sandi
evol ng
a ountand i erstwhih s lac ue t r ,
cc
nt e
c hal cr he eon
on t frtday ofi unt unem pl ent
he is
nvol ary
oym
;

t r vi ac
he evol ng counts . l ur nc cover wil
t ) ns a e
age l:
1. ce e w hen Your r vol ng ac
as
e vi
count doe not
s
r lcta open bal
efe n
ance;and

or

your maxi um c edi lm i am ount
m
r ti t
.

a o t aï b r is e wh n teei a o n
utmai l e en mtd e h r s n pe
c y
bal e.
anc

The beneftpay
i ment wi qoti ude:
s l
l
ncl
1. a pas due amount;or
ny t
s

PREMI CHARGE
UM

2. any lt c g
a e har es.

The pr um c r f Your i ur e i bus on Your
emi hage or
ns anc s ed
pr ous m ont ' balnce and i bas on one of t
evi
hs
a
s
ed
he
f l i m et :
ol ng
ow
hods
1. i t char i perda -t dai r e tm eseac
f he
ge s
y he l at i
y
h
da s bul e. The s of t e daiy cha ges
y' anc
um
hes
l
r
durng t e prormont i l obt ned;or
i h i
h s hen ai
i t char e i permont
f he
g .
s
h:
a. tl)a:crt (ai ? L:I 1 c tr s tl 11) ll
)( , ige 1 1 )1aIc ine le 1(nt1y
J

W hen beneft sop: W e wilsop pa ng beneiswhcn t
is t
l t
yi
ft
he
e les oft f l i oc :
ari t he olow ng cur
1. You ar no:i unt iy unem pi
e
nvol ari
oyed anym or
e;
or

W e have pai an amounte
d
qualt t outt ng
o he sandi
baa on t dat You bec
lnce
he e
ame l unmr l
nvol
iy
unem pl
oyed;or
w e iave pai t m -xi um am ount (l
l
d he a m
)
j
nsur
ance s
hown i t s
n he chedul or
e;
w e lave pai an am ount cqual
l
d
Your
m a m um crdi lm i am ount or
xi
e ti t
;
we l
mve pad tl m axi um num ber ol
i le
m
bcnett idiatd i t s l e (fany)
ls n c e n he ci
edul i
.

r e;(r
at 7

t endi bii bal
he
ng lng ancc tm es tl np ll
l
i
le ontly
r e.
at

W e may changc pr um r e subj t appr ty tl
emi ats cct o
oval ) le
Ttxa Deparm entofl ur e. W t wilnotf You:
ts
t
ns anc
t l iy

L '' t' f bcneft: 'o tc cl bl f unempl
ol-b.1y or
k 't
u l
is I ) i e or
'
gi
oyment
l neft You m us.
m i
s,
t
1 l is cd under l s pln at t tm c of
, xt nmr
hi a
hc i
i unt uncm pl
nvol ary
oym ent rnd
;l
pr de pr t You ar r scr d wjh:
ovi oof hat
e cgit e t

1 wi n3 d y a d pr t tec a j ; n
. t 0 as n i o h h n c a d
hi
or

2. s tng f t tl r s rt and cfecie dat .
eti orh le cvicd aes
l lv
e

.

An i ea e i r eswilnolle r r tve.
ncr s n at
l
y etoac i
.

I
NVOLUNTARY UNEMPLOYMENT PROVI ONS
SI

a. Your st c' unem pl entofi c;or
at s
oym
fc
b. a Ccognied empl
e
z
oyme agency.
nt

l unt unempl
nvol aa
oymentbencft W c wilpa a mont y
i:
l y
hl
benefti Yourl sofempl
if
os
oymenti ome r ulsfom:
nc
es t r
1. a i untr l s of empl
n nvol a y os
oyment not excuded
l
fom c r ge;or
r
ove a
t por
em
ary unem pl ent due l l
oym
o abor
diput s;st kes;or l
s e
rl ockout , a l as You
s s ong

Upon Our r s and atr onabl i er al You wi gi
eque t
eas
e nt v s,
l ve
l
pr ofYourcontnui unem pl
oof
i ng
oyment
.
Hegitaton w ih '
sr i
t Your sat s unem pl ent ofie or
t e'
oym
fc
em pl
oymenta
gency mus:
t
1. begi wihi 30 da afert dat ofi untr
n tn
ys t he e nvol a y
unem pl ent and
oym i
contnue f t entr perod ofte cl m .
i or he ie i
h ai

are not:

a. pal i i i erst i Or hel ng t
tcpatng; nt e ed n;
pi o
fna e t s ke orI
i nc he ui
abordl e;or
sput
diquaij fom r ei ng unem pl ent
y lfed r
ec vi
oym
beneft undert sat s1w wih r gar t
is
he t e' a
t e d o
Your pari paton i a s l or l
tci i n
trke
abor
dl e.
sput

Excl i
usons: W e w ilnot pa beneft f unem pl ent
l
y
is or
.
oym
c ed by orr uli fom:
aus
es tng r
1 r r ent or
. e em
;
2. nor seas
mal
onalunem pl
oym ent or
;
5. vol ar f f m r of s ar , wage or
unt y orei e
al y
s
em pl ' ent i ome, unl s cicumsanc
oj
m
nc
es
r
t es
s r
uroundi f f t e do notpr bi You fom
ng oreiur
ohi t
r
c l tng be ft t der
ol i
ec
ne i
s m
t
he sae'
tt s
unem pl entl ;or
oym
aw
a diabiiy;or
s lt
You bei notfe et r oml or i wrtng of
ng iid ihe
l
y
n ii
pe ng unempl
ndi
oyme or dichnr by Your
nt
s ge
empl wih 60 days prort Efectve Dat of
oyei t
i o f i
e
Your c tfca e;or
erii t
dic z by Youg e oyerf c us , s . as
s ha ge
mpl
or a e - h
uc

You mus be i unt iy unempl
t
nvol arl
oyed f m or t an 50
or
e h
c e i days
ons cutve
.
W ha W e w i pa w e wilma beneftpa
t
l y:
l
l ke
i yment
s:
1. afer t 30 da waii perod has been met
t he
y
tng
i
.

( fl wilber r tve t t fr tda ;
beneis l etoaci o he is y)
.
whi
l
e

t
he

i uno ry
nvol

unem pl
oyment

cont
j
nues ( ubj t t any mn mum beneft
s ec o
xi
is
pa
yment lm ia
i tdon s n on t s
how
he chedtl , i
te f

a X; n
n ad
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I PORTANT I RM ATI ABO UT COVERAG E UNDER THE
M
NFO
ON
TEXAS LI ACCI
FE,
DENT,HEALTH AND HOSPI SERVI I
TAL
CE NSURANCE GUARANTY ASSOCI ON
ATI

( ori r r de ar d i s v n ori ie o o a t rSep e b 1 2005)
F nsu e s cl c n ol e t mpa r d n r fe
t m er ,
Texas I w es abl
a
t i
shes a sy em . adm i s er by t Texas Li , Acci , HeaI and HospialSer ce l ance G uar t
st
nit ed
he
f
e
dent
t
h
t
vi nsur
any
As ocain(h e s it p,opoe t a p l y od r iterleo h al is r cec mp yfi . O nl t pol y der
s it te As ocai ) t rtc Tex s oi h les f h i i r e t n uan o an al y he i hol s
o
on
c
f
h
s
c
of i ance c
nsur
ompani whih ar member oft As aton ar el bl f t s pr ect n whi i
es c
e
s
he soci i
e i e or hi ot i
gi
o
ch s
l t i s. and condii oft Associt n l .
i at
mi on
be t o h e ms
tons he
a i aw ( eI i f n i te T x sIs rn eCo e Aril 21 su jc t t e t r ,
o
Th aw s ou d n h e a n ua c d , t e .
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28 D.
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I i possi e t t Associ t on m ay notcoveryour polc i f lori par due t st ut y Im ia
ts
bl hat he
ai
iy n ul n t
o at or i t ti

ons.

ELI BI TY FOR PRO TECTI N BY TH E ASSOCI O N
GI LI
O
ATI
W hen a mem beri ance company i f d t be i olentan pl
nsur
s oun o
ns v
d aced underan or ofI ûi in b
der i dat
q
o
i
y a cour ordesi ed as
t
gnat
mpaied byt Tex Commisi ofl an , t As aton pr descov a t p i holer who ar
r
he as
s oner nsur ce he soci i ovi
er ge o oi
cy d s
e:

*

Re ie t o Te a a t a t (res c ie o t e p i y de ' r si c a p iy i s )
sd n s f x s t h t i ir pe tv f h ol hol rs e den y t ol s ue
me
c
c

*

Resi ent ofot st es, ONLY i t f l ng condii ns ar m e :
d s
her at
f he ol
owi
t
o
e t
1. The pol
i
cyhol h a pol ywi a com panydom ii i Texas;
der as
i t
c
h
cl n
ed
2. The pol
i
cyhol ' st e ofr denc has a si i glnr y nss i i n'and
ders at
esi e
m l l ant
ar
ocatf
a
3. The pol
i
cyhol i notel bl f c age byt guar yas aton oft p i
ders
i e or over
gi
he
ant soci i
he ol
cyhol ' st e ofr dence.
ders at
esi

LI I OF PRO TECTI BY THE ASSOCI ON
M TS
ON
ATI
Acci ,Acci
dent
dentand Healh, orHeaIh l
t
t nsur
ance:

*

Foreach i vdualcover u
ndii
ed nderone ormor p i es:up t a t alof$500,000 f basi hos t ,m edialsur c
e ol
ci
o ot
or
c
pl
al
c - gial and
,
maj mediali anc $300, f diabit or l t m car i ance, and $200, f ot t
c nsur e,
000 or s ly ong er
i
e nsur
i or
000 or her ypes of heal
t
h
nsurance.

Lie l
f nsur e:
anc

e
*
.

Netcashsurenderv ue ornetc wih awal ue up t a t al $100.000 underone orm or pol i on any one l e'
r
al
ash tdr
val
o ot of
e i es
c
i , or
f
De hbenelt up t a t al $300, underone ormor pol is onanyonelf. or
at
i
s o ot ol
000
e ie
c
i
e'
Tot beneft up t at alof$5, 000 t anyownerofmulpl non- oup lepol i .
al
is o ot
000, o
t e
i
gr i
f i es
c

I vi
ndi dual
Annuii
tes:

*

Pr
esentv ueofbenefs up t a t al $1 ,000 underone ormor contact on any on (f .
al
i
t
o ot of 00
e
r s
e ie
Gr A nnuii
oup
tes:
e Pr
esentvale ofal ed benefs upt a t al $1 ,000 on any one I e'or
u
l
ocat
i
t
o ot of 00
i,
f
* Pr
esentvale ofunal c edbeneft up t a t alof$5,000, f one conta hol r dl of he numberofcontact
u
l at
o
is o ot
000 or
r ct der egar ess t
r s
Aggr e Li i:
egat m t
.
* i 000 on any one Ie wih t ex i of t $500,000 heal i an I i, t $5, 000 mulpl owner Ie
$300,
i t he cepton he
f
t nsur ce i t he
h
m
000.
t e
i
i
f
nsur
ance l t and t $5, 000 unal - ed gr annuiyI t
i ,
mi
he 000,
l at oup
oc
t i .
mi

I ance com pani and agent ar pr bied by l fom usi t exi ence oft Associ i f t pur
nsur
es
s e ohi t
aw r
ng he st
he
aton or he
pose of
sal solcia i ori
es, i t ton, nducementt pur
o
chase any f m of i ance. W hen you ar sel i an i ance com pany
or
nsur
e ectng
nsur
, you
shoul notr y cn Associ l nnvpr
d
pl
aton
ago
.

Texas Li Accient He t and Hospi
f
e, d , aIh
t
al
Ser ce I anceG uar yAs aton
vi nsur
ant soci i
6504 Brdge Poi Par
i
nt kway,Sui 450
t
e
Aus i Tex 78730
tn, as
800- 6362 orwww .t i or
982xlega. g
f

N23960905

Tex Dep t
as
armentofI ance
nsur

P. Box 1 04
O.
491
Aus i Texas 78714- 4
tn,
910
800- 3439 orwww .t . at t us
252di e.x.
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A M ER I A N BA N K ERS LI A SS URA NC E CO M PA N Y
C
FE
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A M ERI A N B AN KERS I URA NC E CO M PA N Y
C
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OF FLO RI
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P. Box 105239,Atant GA 30348O.
l a,
5239

LI
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SUM M ARY PAG E

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JPMO RG AN CHASE BANK N .A

AccountNo.:

8707

Ceriiat No.: 85694C8 tf e
c
0707

Efectve Dat 3 DAYS PRI TO THE BI NG DATE FO 8 W HI A PREMI I FI
f i
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OR
LLI
R
CH
UM S RST CHARGED.
Maxm um Amountof
i
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nsur ce
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25,
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Mont yPr um per$1 00 ofIsur Debt
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:
$ 0.
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NVOLUNTARY UNEM PLO YM ENT

$ 0.900
1

$ 0.
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$ 0.
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Tot :
al

$ 0.
1900

Thi page i a par ofyourpol an shoul be keptwih i. THI I NOT A BI . Pr i wi be char t
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PLEASE NOTE:Atte tme y accept t oferf t s v ua e cr tpr ecton pr am , you m ay h e
h i ou
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av
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esp
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do
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M ar
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over
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whi y or i l selct t Char
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198089
09/
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CHK Z M Y ?
SUM.

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TREVO R G RANT
PO BOX 3278A
CONROE TX 773053278

Dear Clase iusor
l
r ner;

Thank you f your pali paton i Licpl , . . rl pl desi lby Assur Sol i f lel
or
ci i n f us
le an
gnet
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al f i t
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Si el
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*

Mihae J.Ba r t
c l
ret
Pr dent
esi
Chase M anhatan Bank USA , NatonalAssoci i
t
i
aton

Encl es
osur

-

198089
CHG L M
QV R.

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06/ 1966
06/
8707

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A m er can B anker I
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June 22,2009

TREVO R G RANT
PO BOX 3278A
CONRO E 'X 77305F
3278

Cl m ant '' EVO R GlAN''
nl
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AccountNo .::5:'''.::x228707
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Ll m Num ber:( 5951
ai
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Yourcl m has been r ved by t Fi
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num berabove.
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I PO RTAN T!
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. To keep your:ccounti good st ng, plt ctltltt t Il - ytur lzyz ll
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paylz 't untlyourcl m las leen appr
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* Upon appr
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Thank you f t opponuniy t ser you.
or he
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Si el
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DFS Cl m s and Actvatons
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l 48 - 6 0

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I PO RTA NT NOTI E
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AVI I PO RTANTE
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To obt n i f r ton or m nke a com pl nt
ai l or aa i
l
ai :
You m a cal t e Com pany' t lfee num ber
y
l h
s ol- r
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lf m i
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ai t

1- 852800- 2244

1- 852800- 2244

You r sy c ac t Te s D epanm e of I ur e t
' a ont t he u
n
nt
ns anc o
obr n i f l -on on com pani , covem ges, rg s or
ai z onza'
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com pl nt at
ai s :

Puede c uni ar e con el Deparam ent de Segur de
om c s
t
o
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Texas par obt
a
ener i or aci a ca de com paùf s,
nf m ön cer
a
coberur , der hoso quej al
t as
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as :

1 800- 3439
- 252-

1 809- 3439
- 252-

You m n w rt t Tex s D eparm entof I ur
y ie he a
r
ns ance:

Puede es i r a Deparam ent de S os de Texas
crbi l
l
o
egur
:

1.3.Box 1491
3(
04
Ausi - 7871 91
tn,1
W
4- 04

P. .Box 14910
O
4
Ausi -X 78714- 04
tn,1
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Fax:( 12)z75- 771
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