Embed Size (px)
Citation preview
Irene Eztkorn Executive Director, Siegel
+Gale
July 31, 2013
Simple: Conquering the Crisis of
Complexity
Alan Siegel Chairman Emeritus, Siegel
+Gale
Wade ChannellWade Channell, JD, is a Senior Legal Reform Advisor at USAID. After practicing international commercial law for eight years in Brazil and New York, Channell began a series of downwardly mobile but highly rewarding career choices in international development. He has spent the past 20 years working on economic development issues, especially where development and rule of law intersect. He currently works for the Bureau of Economic Growth, Education and Environment, concentrating on business enabling environment issues. He publishes regularly on rule of law and governance questions. He has lived in Brazil, Guinea-Bissau, Croatia (where he was president of AmCham), Mississippi, and Belgium, and has worked in more than 50 other countries on 5 continents. Channell lives with his ridiculously gracious wife in Northern Virginia; together they have dragged their two remarkable daughters around the world before sending them off to adulthood.
Alan SiegelAlan Siegel is one of the best-known figures in branding and a driving force behind the plain English movement in the U.S. and abroad. In 2011, Siegel created Siegelvision to develop simple, powerful brand strategies for clients. He also serves as the Chairman Emeritus of the consultancy Siegel+Gale, where he advised organizations such as American Express, the National Basketball Association, U.S. Air Force, the Girl Scouts, the Legal Aid Society and Carnegie Mellon University. Siegel was the Director of a project for the Internal Revenue Service to simplify U.S. individual income tax forms. He has written extensively on branding and simplicity for The New York Times, CBS, CNN and the TED Conference. Siegel is a graduate of Cornell University’s School of Industrial and Labor Relations, New York University Law School, the School of Visual Arts and Alexei Brodovich’s DesignLaboratory.
Irene EtzkornIrene Etzkorn is one of the world's foremost authorities on simplification. She built Siegel+Gale’s Simplification portfolio into the largest in the field and is the co-author of the book Simple: Conquering the Crisis of Complexity. Etzkorn has worked extensively in the financial services, government and healthcare sectors for clients including Allstate Insurance, the Centers for Medicare and Medicaid Services, General Electric, the IRS, the Securities and Exchange Commission (SEC), and Bank of America to simplify their customer experience. Etzkorn holds Bachelor's degrees in English and Biology with highest honors from C.W. Post College, and a Master's degree in Professional Writing from Carnegie Mellon University. She is a former board member of the Center for Plain Language and has served on both the English Advisory Board of Carnegie Mellon University and the Communications Advisory Board of Dalbar.
Who we are. . . . . . and why we wrote a book about simplicity.
1984
ChubbIRSCitibank
1975 1980 1980
Census Bureau
1994
AT&T
1988
Shearson
Discover
IBM
1992
1991
1996 1998 1999
SECCleveland Clinic Edward Jones NASD
2005
Detach and return with paymentDetach and return with payment
Your Monthly StatementJuly 21–August 20, 1995
33050000051011435300000022448000002447600000224489
Summary of chaSummary of chargesrgesSummary of chaSummary of chargesrges
Previous balance ................................................................. 72.25Payment received August 5 - Thank you ........................... - 72.25AT&T True Savings® calls .................................................... 29.42®
AT&T Direct dialed calls ...................................................... 15.65Adjustments and credits ........................................................ - .80Taxes and surcharges ........................................................... 7.04
Amount due $51.31
Date due September 11, 1995
What you savedWhat you savedWhat you savedWhat you saved
AT&T True Savings®
This month you saved ......................................................... $9.81Over the last 3 months ...................................................... $34.75Savings are compared to AT&T standard rates.
What you earneWhat you earneddWhat you earneWhat you earnedd
AT&T True Rewards® Program points as of Aug 10, 1995®
Total available for rewards ........................................... 500 Points
0213578963AT&TPO BOX 8212FOX VALLEY IL 60572-8212
000004-000016 1 FN .320*****330500000510114-353
0213578963AT&T CUSTOMER123 MAPLE AVENUEANYTOWN ST 99999-9999
Amount due $51.31
Date due September 11, 1995
Amount enclosed: $
Please write your account number on your check or moneyorder made payable to AT&T. Do not send cash. Do not staplethis portion to your payment. Thank you.
Customer Service: 1 800 222-0300Text Phone (TTY): 1 800 833-3232
Account 999 999-9999
Just for youYour new AT&T billing statementis more helpful than ever before.
Savings newsAs an AT&T True Savings®
Subscriber, you can save oncalls to anyone, anytime,anywhere, in the U.S. Any
See page 2
and print new address on back.
,551.23*$0.00
d Clinicwe doour7 will
andnce. YoYY u’llany.yy Aftff er
amountsportionwith
.4413899996.
ROSALIE B CARTER
AuAA gust 8, 1997Billing statementfoff r Rosalie Carter
.4419312733..
CLEVELAND CLINIC FOUNDATIONPO BOX 73662CLEVELAND OH 44193-1273
Card number
Expiration date
Cardholder name
Cardholder signature
New address? Check here and write your newaddress on the back.
heck.
99225307500001551230006150082897
Account number: 8888888Page 1 of 4
A Plain EnglishHandbook
How to create clear SEC disclosure documents
By the Office of Investor Education and Assistance
U.S. Securities and Exchange Commission
450 5th Street, N.W.
Washington, DC 20549
August 1998
2011 2012 2013
IRS Citibank KemperCollege Board
2006 2007 2008
Genworth EmblemHealth
Notice CP51ATax year 2007Notice date February 9, 2009Social Security number 999-99-9999To contact us Phone 1-866-000-0000Page 1 of 4
Department of the TreasuryInternal Revenue ServiceAtlanta GA 39901-0010
01899954671JAMES & KAREN Q. HINDS22 BOULDER STREETHANSON CT 00000-7253
Make your check or money order payable to the United States Treasury.Write your Social Security number (999-99-9999), the tax year (2007), and the form number (1040) on your payment and any correspondence.
Notice CP51ANotice date February 9, 2009Social Security number 999-99-9999
After reviewing the information you sent us, wecalculated your 2007 income tax for you using the married filing status and two exemptions. We’ve determined that you owe $12,000.00, which you must pay by March 2, 2009.
We’ve calculated your 2007 income tax for you
Amount due: $9,000.00
What you need to do Pay the amount due of $9,000.00 by March 2, 2009 to avoid additional penalty andinterest charges. If you’re enrolled in the Electronic Federal Tax Payment System (EFTPS), you may use that method of payment instead of paying by check or money order. To enroll in EFTPS, visit www.eftps.gov or call 1-999-999-9999.
INTERNAL REVENUE SERVICEATLANTA GA 33901-001001899954671
0000 0000000 0000000000 0000000 0000
Continued on back…
James & Karen Q. Hinds22 Boulder StreetHanson CT 00000-7253
Payment
$12,000.00Amount due by March 2, 2009
$14,000.00– 2,000.00– 2,000.00
500.00500.00
1,000.00$12,000.00
Illustration August 26, 2005Retirement Answer Variable AnnuityPage 2 of 11
Confirm number3MTKWBTMQUMF
This scenario is not a contract
An overview of how your Retirement Answer Variable Annuity may perform
John M. Dow
You are male.
Your date of birth is January 01, 1948.
About your Retirement Answer Variable Annuity:
You have determined your retirement income goal is $1,963.51 each month ($23,562.12annually), for the greater of life or 20 years, with a minimum of $471,242.40 over 20 years.
You have chosen to reach this goal by making an initial lump sum payment of $25,000
monthly payments of $2,000.00 for 10 years.
You will begin making payments at age 57.
You have chosen a 10-year investment period, so your payout will begin once you havemade 120 payments at age 67.
You have chosen to reach your goal by making monthly payments
It is important to note that your guaranteed income — the monthly amount you will receive during the payoutphase of the contract — is based on the money transferred into the GE Investment Funds, Inc. Total Return Fund subaccount.Money placed in your Immediate Installment Account or Guarantee Account is not counted toward your guaranteedretirement income until it is transferred into the Total Return Fund subaccount.
until a specific amount istransferred each month to your Total Return Fund subaccount.
until the payment due date,when it will be transferredto your Total Return Fundsubaccount.Guarantee
Account
TotalReturn Fundyour variablesubaccount
Where your money goes
Your bankaccount
#XXXX5678
ImmediateInstallment
Accountyour fixedaccount
If you make a monthly paymentearly, your money will beplaced in your Guarantee Account
If you make a monthly GE Investment Funds, Inc.payment on time, your money goes directly into yourTotal Return Fund.
The lump sum payment you made upon openingthis account is held in yourImmediate InstallmentAccount, where it earnsinterest
P.O. Box 9999New York, NY 10099
MEDICAL CLAIMS REPORTMay 1, 2008Page 1 of 2
You are responsible for any portion not covered. The provider will bill you for this separately. With this claim, you have met your deductible of $1,000 for this year.
04/17/08 Claim #99999999Physical Therapy Jason Jampol
You are responsible for any portion not covered.The provider will bill you for this separately. With this claim, you have used 1 of your 15 covered physical therapy visits.
SUMMARY OF CLAIMSTotal amount of claims submitted for Carol Friedman . . . . . . . . . . . . . . . . . . $170.00Amount we paid . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $85.60Your responsibility Includes any amounts your provider may bill you . . . . . . . . . .u $84.40
CAROL FRIEDMAN‘S PAYMAA ENT DETAILSAmount billed . . . . . . . . . . . . . . . . . . . . . . . . . . . $90.00
Amount allowed by your plan . . . . . . . . . . . . . . . . 65.00Amount you pay to meet your deductible . . . . . . – 23.00Amount remaining . . . . . . . . . . . . . . . . . . . . . . . . 42.00Co-insurance (20%) you pay . . . . . . . . . . . . . . . . . – 8.40Benefits we paid toward this claim . . . . . . . . . $33.60
Amount billed . . . . . . . . . . . . . . . . . . . . . . . . . . . $80.00
Amount allowed by your plan . . . . . . . . . . . . . . . . 65.00Co-insurance (20%) you pay . . . . . . . . . . . . . . . . – 13.00Benefits we paid toward this claim . . . . . . . . . $52.00
YEAR-TO-DATE INFORMATIONCarol Friedman AMOUNT YOU PAIDP REMAINING
Deductible . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,000.00 . . . . . . . . . . . . . . . . $0Copayment/co-insurance paid . . . . . . . . . . . . . . . . . . . . . . 1,081.00
FamilyDeductible . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,859.00 . . . . . . . . . . . . $141.00Copayment/co-insurance paid . . . . . . . . . . . . . . . . . . . . . 2,904.00
$1,000
$2,000
Member Larry FriedmanMember ID 99999999
Manage claims and view benefitsonline at www.emblemhealth.com.
Customer Service is available to answeryour questions Monday–Friday, 7am–6pmEST, atTT 1-800-555-5555.
Please review this summary of your health claims and keep it for reference. In the future, you can reduce your expenses by choosing a network provider. Find a network provider atwww.emblemhealth.com.
Forwarding Service Requested
LARRY FRIEDMAN18 ALBEMARLE STREETWHITE PLAINS, NY 10605
04/17/08 Claim #99999999Medical Care Jason Jampol
CITI CARDSPO BOX 6062SIOUX FALLS, SD 57117
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Customer service1-800-950-5114 www.citicards.com
Box 9999, City name, XX 99999-9999
We must receive your payment by 5:00 p.m. local time on the payment due date. Allow 5–7 days for your payment to reach us by mail.
See back for payment details.
Pay by phone Call 1-800-633-7367
Pay online Visit citicards.com
Pay by mail Use this coupon
• Enclose a valid check or money order payable to Citi Cards. No cash or foreign currency.
• Write the last 4 digits of your account number on it.
$ .
000099N VI 00 9 9JOHN Q. HINES22 BOULDER STREETHANSON, OH 14711-2856
John Q. Hines,Account number ending in 9999 Billing period:
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Minimum payment due $99,999,999,999.99
New balance $99,999,999,999.99
Payment due date 12/21/11
Amount enclosed:
Account number ending in 9999
999999 9999999 9999999 9999999 9999
Sign up for paperless billing.It’s the smart, easy and safe way to receive statements.
Visit accountonline.com to enroll
Your account is past due. Please pay at leastthe minimum payment due, which includes apast due amount of $100.00 and an overlimit amount of $60.00.
Late payment warning: If we do not receive your minimum payment by the above date, you may have to pay up to a $35 late fee, and your APRs may be increased up to the variable Penalty APR of 29.99%.
Minimum payment warning: If you make only the minimum paymenteach billing period, you will pay more in interest, and it will take you longerto pay off your balance. For example:
If you make no additionalcharges using this cardand each month you pay…
And you will end up paying an estimated
Only the minimum payment $999,999.99
$999.99
For information about credit counseling services, call 1-877-337-8187. New York residentsmay contact the New York State Banking Department to obtain a comparative listing of creditcard rates, fees and grace periods by calling 1-877-226-5697.
Citi ThankYou® Preferred
Help guard your good name with Citi IdentityMonitorGet credit monitoring, alerts, access to your credit bureau reports and more.
See the back of your payment coupon to enroll
Account summaryPrevious balance $99,999,999,999.99
Payments — $99,999,999,999.99
Credits — $99,999,999,999.99
Adjustments — $99,999,999,999.99
Purchases andbalance transfers
+ $99,999,999,999.99
Cash advances + $99,999,999,999.99
Fees + $99,999,999,999.99
Interest + $99,999,999,999.99
Minimum payment due $99,999,999,999.99
New balance $99,999,999,999.99
Payment due date 12/21/11
We live in an increasingly complicated world.
Boundless
complexity
Everyone
worldwide is
affected.
Boundless
complexity
Over 900,000 apps in the Apple App
Store
Over 241 selections on the
Cheesecake Factory menu, not including lunch or brunch specials
223 mascaras, 454 lotions, and
367 fragrances at Sephora.
iTunes has a 56-page license agreement
“ Learned helplessness” has taken hold…
In 2005, PC Pitstop buried a clause in its end-user license agreement offering $1,000 to the fi rst person who emailed them at a certain address. It took 5 months and 3,000 sales until someone claimed the money.
0010 Cholera d/t vib cholerae
0011 Cholera d/t vib el tor
0019 Cholera NOS
0020 Typhoid fever
0021 Paratyphoid fever a
0022 Paratyphoid fever b
0023 Paratyphoid fever c
0029 Paratyphoid fever NOS
0030 Salmonella enteritis
0031 Salmonella septicemia
00320 Local salmonella inf NOS
00321 Salmonella meningitis
00322 Salmonella pneumonia
00323 Salmonella arthritis
00324 Salmonella osteomyelitis
00329 Local salmonella inf NEC
0038 Salmonella infection NEC
0039 Salmonella infection NOS
0040 Shigella dysenteriae
0041 Shigella fl exneri
0042 Shigella boydii
0043 Shigella sonnei
0048 Shigella infection NEC
0049 Shigellosis NOS
0050 Staph food poisoning
0051 Botulism food poisoning
0052 Food pois d/t c. perfrin
0053 Food pois: clostrid NEC
0054 Food pois: v. parahaem
00581 Food poisn d/t v. vulnif
00589 Bact food poisoning NEC
0068 Amebic infection NEC
0069 Amebiasis NOS
0070 Balantidiasis
0071 Giardiasis
0072 Coccidiosis
0073 Intest trichomoniasis
0074 Cryptosporidiosis
0075 Cyclosporiasis
0078 Protozoal intest dis NEC
0079 Protozoal intest dis NOS
00800 Intest infec e coli NOS
00801 Int inf e coli entrpath
00802 Int inf e coli entrtoxgn
00803 Int inf e coli entrnvsv
00804 Int inf e coli entrhmrg
00809 Int inf e coli spcf NEC
0081 Arizona enteritis
0082 Aerobacter enteritis
0083 Proteus enteritis
00841 Staphylococc enteritis
00842 Pseudomonas enteritis
00843 Int infec campylobacter
00844 Int inf yrsnia entrcltca
00845 Int inf clstrdium dfcile
00846 Intes infec oth anerobes
00847 Int inf oth grm neg bctr
00849 Bacterial enteritis NEC
0085 Bacterial enteritis NOS
00861 Intes infec rotavirus
00862 Intes infec adenovirus
00863 Int inf norwalk virus
0092 Infectious diarrhea NOS
0093 Diarrhea of infect orig
01000 Prim TB complex-unspec
01001 Prim TB complex-no exam
01002 Prim TB complex-exm unkn
01003 Prim TB complex-micro dx
01004 Prim TB complex-cult dx
01005 Prim TB complex-histo dx
01006 Prim TB complex-oth test
01010 Prim TB pleurisy-unspec
01011 Prim TB pleurisy-no exam
01012 Prim TB pleur-exam unkn
01013 Prim TB pleuris-micro dx
01014 Prim TB pleurisy-cult dx
01015 Prim TB pleuris-histo dx
01016 Prim TB pleuris-oth test
01080 Prim prog TB NEC-unspec
01081 Prim prog TB NEC-no exam
01082 Prim pr TB NEC-exam unkn
01083 Prim prg TB NEC-micro dx
01084 Prim prog TB NEC-cult dx
01085 Prim prg TB NEC-histo dx
01086 Prim prg TB NEC-oth test
01090 Primary TB NOS-unspec
01091 Primary TB NOS-no exam
01092 Primary TB NOS-exam unkn
01093 Primary TB NOS-micro dx
01094 Primary TB NOS-cult dx
01095 Primary TB NOS-histo dx
01096 Primary TB NOS-oth test
01100 TB lung infi ltr-unspec
01112 TB lung nodul-exam unkn
01113 TB lung nodular-micro dx
01114 TB lung nodular-cult dx
01115 TB lung nodular-histo dx
01116 TB lung nodular-oth test
01120 TB lung w cavity-unspec
01121 TB lung w cavity-no exam
01122 TB lung cavity-exam unkn
01123 TB lung w cavit-micro dx
01124 TB lung w cavity-cult dx
01125 TB lung w cavit-histo dx
01126 TB lung w cavit-oth test
01130 TB of bronchus-unspec
01131 TB of bronchus-no exam
01132 TB of bronchus-exam unkn
01133 TB of bronchus-micro dx
01134 TB of bronchus-cult dx
01135 TB of bronchus-histo dx
01136 TB of bronchus-oth test
01140 TB lung fi brosis-unspec
01141 TB lung fi brosis-no exam
01142 TB lung fi bros-exam unkn
01143 TB lung fi bros-micro dx
01144 TB lung fi brosis-cult dx
01145 TB lung fi bros-histo dx
01146 TB lung fi bros-oth test
01150 TB bronchiectasis-unspec
01151 TB bronchiect-no exam
01152 TB bronchiect-exam unkn
01153 TB bronchiect-micro dx
01154 TB bronchiect-cult dx
01166 TB pneumonia-
01170 TB pneumothor
01171 TB pneumothor
01172 TB pneumothor
01173 TB pneumothor
01174 TB pneumothor
01175 TB pneumothor
01176 TB pneumothor
01180 Pulmonary TB N
01181 Pulmonary TB N
01182 Pulmon TB NEC
01183 Pulmon TB NEC
01184 Pulmon TB NEC
01185 Pulmon TB NEC
01186 Pulmon TB NEC
01190 Pulmonary TB N
01191 Pulmonary TB N
01192 Pulmon TB NOS
01193 Pulmon TB NOS
01194 Pulmon TB NOS
01195 Pulmon TB NOS
01196 Pulmon TB NOS
01200 TB pleurisy-uns
01201 TB pleurisy-no
01202 TB pleurisy-exa
01203 TB pleurisy-mic
01204 TB pleurisy-cult
01205 TB pleurisy-hist
01206 TB pleurisy-oth
01210 TB thoracic nod
01211 TB thorax node
01212 TB thorax node
ous diarrhea NOS
arrhea of infect orig
Prim TB complex-unspec
Prim TB complex-no exam
2 Prim TB complex-exm unkn
03 Prim TB complex-micro dx
04 Prim TB complex-cult dx
005 Prim TB complex-histo dx
006 Prim TB complex-oth test
10 Prim TB pleurisy-unspec
11 Prim TB pleurisy-no exam
2 Prim TB pleur-exam unkn
3 Prim TB pleuris-micro dx
Prim TB pleurisy-cult dx
m TB pleuris-histo dx
TB pleuris-oth test
og TB NEC-unspec
B NEC-no exam
xam unkn
01112 TB lung nodul-exam unkn
01113 TB lung nodular-micro dx
01114 TB lung nodular-cult dx
01115 TB lung nodular-histo dx
01116 TB lung nodular-oth test
01120 TB lung w cavity-unspec
01121 TB lung w cavity-no exam
01122 TB lung cavity-exam unkn
01123 TB lung w cavit-micro dx
01124 TB lung w cavity-cult dx
01125 TB lung w cavit-histo dx
01126 TB lung w cavit-oth test
01130 TB of bronchus-unspec
01131 TB of bronchus-no exam
01132 TB of bronchus-exam unkn
01133 TB of bronchus-micro dx
01134 TB of bronchus-cult dx
01135 TB of bronchus-histo
01136 TB of bronchus
01140 TB l
0
011
0117
01173
01174
01175
01176
01180
01181
01182
01183
0118
011
0
14,568 diagnostic codes maintained by the Centers for Medicare and Medicaid Services
not valid after its printed expiration date, but we may suspend, cancel, replace or renew your Card at any time. You may request additional Cards at no additional cost for family members or other persons that you authorize to use your Account, but you remain responsible for all of their charges.
3.0: USING YOUR CARD AND ACCOUNT. Subject to your Credit Limit and the other restrictions in this Agreement, card network rules and the law, your Card and Account can be used for the following: 3.1: Purchases. The Card may be used to purchase or lease goods or services wherever the Card is accepted.3.2: Cash Advances. The Card may be used to obtain cash advances from your Account (1) in person at the Bank or any participating financial institution, (2) by electronic online cash advance to another account, or (3) ATMs in the Bank networkor other participating ATM networks (listed on the back of your Card). Transaction fees apply to cash advances. Certaintransaction limits apply, such as restricting the sum of all ATM and electronic online cash advances in your Account to $500 or less on any calendar day. Some ATMs have other limits. Based on risk, we may further limit cash advances in our sole discretion. We have no obligation to you to enforce such transaction limits, and you owe all cash advances made. Using your Card to withdraw cash from an ATM located outside of the United States will create a cash advance from and charge to your credit card Account, even if you select withdrawal from a checking, savings or other type of account. ”Quasi cash transactions” such as using your Card for money orders, travelers’ checks, foreign currency, lottery tickets or gambling chipsare treated as cash advances, not purchases.3.3: Balance Transfers. You can request a balance transfer to your Account. You may not use a balance transfer to pay off other debts to us. You may only make a balance transfer to pay accounts in your name. Allow 4 to 6 weeks to process your balance transfer request. During that time, you should continue making payments to those accounts. Transaction Fees apply. You will not earn any rewards points or cash back rebates on a balance transfer.3.4: Credit Card Checks. We may provide Credit Card Checks to access your Account. Use of a Credit Card Check creates a cash advance. Transaction Fees apply. Unused Credit Card Checks are the Bank’s property and must be returned upon request. We can revoke your privilege to use Credit Card Checks at any time, without cause or notice. You cannot stop payment on a Credit Card Check.3.5: Internet Transactions. If your Card is Visa branded, enrollment in the “Verified by Visa” program may be required after 3 internet purchases. If your Card is MasterCard branded, enrollment in the “MasterCard SecureCode” program may be required after 3 internet purchases. Enrollment in other security programs may also become required for internet purchases with any Card. Merchants and/or Bank may require your program password(s) before completing online transactions. By allowing someone to use your program password(s), you are authorizing transactions by that person on your Account.
4.0: MONTHLY STATEMENTS. We will send you a monthly statement summarizing each transaction on your Account during the preceding billing period. Your monthly statement will show the total amount you owed at the end of the billing period, your minimum payment due, your payment due date (which is at least 25 days from the monthly statement closing date), and other important information. We send your monthly statement to only one address, even if the Account has multiple owners. See the “BILLING RIGHTS SUMMARY” section near the end of this Agreement for important information (including the need to promptly review your monthly statement and report any errors).
5.0: HOW THE NEW BALANCE IS DETERMINED. The total amount you owe us at the end of the current billing period appears as the “New Balance” on your monthly statement. The Outstanding Balance at the end of the previous billing period is called the “Previous Balance”. The New Balance is determined by taking the Previous Balance and (1) subtracting any payments and credits received by us during the current billing period and then (2) adding any purchases, cash advances, balance transfers, interest charges, fees, and other adjustments.
6.0: PAYMENTS. You must pay all amounts due on your Account according to the terms of this Agreement. Payments must be drawn on U.S. dollars deposited in the United States. If we accept any other payment, you must pay all conversion fees, bank collection fees and other expenses we may incur. (Such fees and expenses are treated as purchases.) Do not send cash payments.6.1: Payment Due Date. Your payment due date is the same date each month. If the minimum payment is not received by 5:00 p.m. on the due date, in the manner and at the location specified in the billing statement, there may be a delay in postingyour payment to your Account Such delay may result in a late payment fee and additional interest charges
6.4: Partial or Nonconforming Payments. You must not mark any payment was “paid in full” or “in settlement”). We can receive and credit your Account withpayments or payments with restrictive endorsements without losing or waiving o6.5: Delay of Available Credit. We apply your payment to your Account on thehowever, we may delay when that payment increases your Account’s available 6.6: Prepayment. You may repay all or any portion of the Outstanding Balance
7.0: RATES AND FEES: Annual Percentage Rates, Daily Periodic Rates and FTable (at the end of this agreement) applicable to the Affiliate bank associated wyour Card also includes disclosures specific to your Card Account. The terms oreference into this Agreement. Review these disclosures carefully and keep in y
8.0: DEFAULT. Your Account will be in default in any of the following circumstareceived at the proper address on or before the payment due date; (b) you fail tAgreement; (c) you die, file for bankruptcy, or become insolvent or generally unfalse or misleading information on the Card Application; (e) you are in default unor (f) we reasonably believe that you are unable or unwilling to honor all of yourAccount is in default, we may declare the Outstanding Balance immediately duerecover all Cards and unused Credit Card Checks.
9.0: ATTORNEYS FEES; COLLECTION EXPENSES; VENUE IN UTAH. Youexpenses, whether or not any court or arbitration proceedings are filed. Collectfees, the cost of Bank staff (including in house counsel), and out of pocket expeawardable as “court costs”). Unless prohibited by law, you agree that we may bUtah, regardless of where you reside.
10.0: INTEREST CHARGES. The following interest charges will apply whetherclosing of your Account.10.1: Periodic Interest Charges on Purchases, Balance Transfers and Casinterest on purchases and balance transfers if you pay in full the total New Balaby the payment due date. Otherwise, we will charge periodic interest on each pthat purchase and balance transfer transaction. For every cash advance we chaThere is no grace period during which a cash advance can be repaid without inc10.2: Periodic Interest Charge Calculation(s). The interest charged on purchcalculated separately from the interest charged on cash advances. Those sepacombined to determine the total interest charged for the billing period. For eachcalculated as follows. (1) First, we determine the “average daily balance” by taknew transactions, and subtracting any payments or credits. We do not add interesult is the “daily balance.” We then add all the daily balances for the billing pebilling period. The result is the “average daily balance” (also called the “balancestatement). (2) Second, we multiply the average daily balance by the number ofthen multiplied by the daily periodic rate (DPR) for that category of transactionsfor that category of transactions. If you are charged interest, the minimum inter
11.0: ANNUAL PERCENTAGE RATE (“APR”) AND DAILY PERIODIC RATE transactions are variable rates. The APR for a particular billing period is the sumperiod plus a “Margin.” The applicable Margin depends on the type of transactperiodic interest is calculated using the DPR. The DPR is 1/365th of the APR (oon the Effective Date are disclosed on the card carrier. The actual APR in effecof transactions, is disclosed in your monthly statement.11 1: “Prime Rate” and the “Index” The Prime Rate is equal to and varies w
mits apply, such as restricting on any calendar day. Some ATMs have ot
cretion. We have no obligation to you to enforce suyour Card to withdraw cash from an ATM located outside oyour credit card Account, even if you select withdrawal from atransactions” such as using your Card for money orders, travelerare treated as cash advances, not purchases.3.3: Balance Transfers. You can request a balance transfer to youother debts to us. You may only make a balance transfer to pay accoubalance transfer request. During that time, you should continue making apply. You will not earn any rewards points or cash back rebates on a ba3.4: Credit Card Checks. We may provide Credit Card Checks to accessa cash advance. Transaction Fees apply. Unused Credit Card Checks are request. We can revoke your privilege to use Credit Card Checks at any timpayment on a Credit Card Check.3.5: Internet Transactions. If your Card is Visa branded, enrollment in the “V3 internet purchases. If your Card is MasterCard branded, enrollment in the “Mrequired after 3 internet purchases. Enrollment in other security programs mawith any Card. Merchants and/or Bank may require your program password(sallowing someone to use your program password(s), you are authorizing trans
4.0: MONTHLY STATEMENTS. We will send you a monthly statement summduring the preceding billing period. Your monthly statement will show the totaperiod, your minimum payment due, your payment due date (which is at leasdate), and other important information. We send your monthly statement to multiple owners. See the “BILLING RIGHTS SUMMARY” section near the e(including the need to promptly review your monthly statement and report a
5.0: HOW THE NEW BALANCE IS DETERMINED. The total amount yoappears as the “New Balance” on your monthly statement. The Outstais called the “Previous Balance”. The New Balance is determined by payments and credits received by us during the current billing periobalance transfers, interest charges, fees, and other adjustments
6.0: PAYMENTS. You must pay all amounts due on your Adrawn on U.S. dollars deposited in the United State
ollection fees and other expenses we may s
31 pages in the average credit card agreement
Lawyers and technologists are the taproots of complexity.
Government regulators add light and water with misguided attempts to “disclose.”
Predatory companies harvest the crop.
Complexity threatens our health and safety.
70-80cm
2a 2b 2c 2d
2e 2g2f
GB 2. Installing the child seat in your car
GB 2. Installing the child seat in your car
F 2. Montage du siège enfant dans votre véhiculeE 2. Cómo instalar el asiento infantil en el vehículo
F 2. Montage du siège enfant dans votre véhiculeIMPORTANT - Ce siège enfantDOIT uniquement être utilisé avec une ceinture ventrale et diagonale (homologuée par la norme UN/ECE 16 d’ t é i l t )
diagonale de la ceinture ensemble (encadréschéma 2b).IMPORTANT - La ceinture ne doit à aucun moment s’enrouler.
dans les deux guides rouges prévus à cet effet.
trouve dans le coin arrière de la coque du siège enfant, derrière l’appuie-tête.
boucle de la ceinture (schéma 2f).Si la boucle de la ceinture est mal positionnée (encadré), essayer une autre position d’assise.Placer votre enfant sur le siège et fermer
IMPORTANT - This child seat MUSTonly be used with a lap and diagonal seat belt (approved to UN/ECE regu-lation no. 16 or equivalent standards).
Use the adjustment base to select angle of the child seat before installing into the vehicle. (dia2a).You may use either position unless your vehicle seat shape prevents this or your seat belt is too short.Handy hint - During installation, if your seat belt is too short, make sure the child seat is in the upright position (dia 2a). This may help.Place the child seat forward facing in your car. Pull out the seat belt as shown holding the lap and diagonal sections together (dia 2b inset).
IMPORTANT - Do not allow the belt to twist at any time.Feed the seat belt around the front of the child
into the back of the seat at the point shown (dia 2b).Turn the front of the child seat towards you, grab the seat belt and pass it through the second routing slot (dia 2c).Handy hint - If your seat belt is too short you may need to direct the diagonal section behind the headrest before starting the installation.Pull all the slack from the seat belt to the front of the child seat and fasten the seat belt in the buckle (dia 2d).Make sure the seat belt is not twisted and the
lap section passes across both red lap belt guides. Please ensure the diagonal belt is positioned in the back corner of the child seat shell behind the headrest.Push the child seat into your vehicle seat using your full body weight and tighten using the following sequence.Pull & hold the diagonal belt pull at position to remove all the slack and pull to tighten (dia 2e).
There should be little or no movement. If the child seat is still loose then carefully repeat the tightening sequence above.IMPORTANT - Check the position of the seat belt buckle, ensuring that it is the seat belt NOT the seat belt buckle holding the seat in (dia 2f).
If your seat belt buckle is incorrectly located try another seating position. If you are in any doubt contact Customer Services on 01264 386034 or use our
service at www.britax.eu.
harness. Tighten the harness by pulling the adjuster strap forward until the gap on the SAFESTRAP™ indicator is less than 2cm wide. This indicates that the harness should be
Make sure the harness straps are not twisted.IMPORTANT - The lap section of the harness should rest as forward and as low as possible over your child’s pelvis.Finally, ensure the chest pads are pulled down onto your child’s chest (dia 2g).
1a 1b
1c 1d
GB 1. Adjusting the child seat
GB 1. Adjusting the child seat
E 1. Cómo regular el asiento infantilF 1. Réglage de votre siège enfant
F 1. Réglage de votre siège enfantPlacer le siège enfant sur le sol. Appuyer sur le bouton du système de réglage tout en tirant à fond sur les DEUX bretelles (schéma 1a).Détacher le harnais en appuyant sur la boucle (encadré schéma 1b) Pour éviter que les
tête se situent au niveau, ou juste au-dessus, des épaules de l’enfant (schéma 1d). Lorsque l’appuie-tête est correctement positionné, relâcher la poignée du système de réglage du harnais et s’assurer que l’appuie-tête est bien
adjuster button in and at the same time pull BOTH shoulder straps forward as far as possible (dia 1a).Lay the shoulder straps over the sides of the seat by placing the buckle tongues behind elastic stowage strips to avoid the harness twisting. Release the harness from the buckle (dia 1binset). Carefully place your child in the seat,
fasten the harness buckle.
Lift the harness adjuster and move it up or down (dia 1c) so that the harness strap slots in the headrest are level with or just above your child’s shoulders (dia 1d). When the headrest is in the correct position let go of the harness adjuster and ensure it has locked into place.Once you reach the top slots your child may continue to use the seat until their eye level becomes level with the top of the seat or their weight exceeds 18kg. If you wish to adjust the width of your child seat, push the width adjuster (dia 1c) (Ultra version only).
