Pre-Approved Acceptance Certificate

Yes! Please Send My Pre-Approved Ameritrust VISA Card With No Annual Fee.

11 0751 387M VC 60 8832494

Annual Percentage Rate 17.5% Grace Period for Repayment of the Purchase Balance None

Variable Rate Index Information
Does not apply.
Method for Computing the
Purchase Balance
Average Daily Balance
(including new purchases)

Annual Credit Card Fee
None

Other Fees*

Late Payment Fee: $0-$15
Overlimit Fee: $0-$15
Return Check Fee: $0-$10
Cash Advance Fee: 2%-
not more than $10.

The information described in this application is accurate as of August 1989. The information may have changed after this date. To find out the current rate call 1-800-422-2442, ext. 2000. *The amount of these fees varies from state to state.

I hereby authorize the Bank, or any credit bureau or other investigative agency employed by it, to investigate any information listed hereon or obtained from me or any other person pertaining to my financial responsibility. Intending that you shall rely on my statement herein, I hereby certify to you that the foregoing information is true and complete. I understand that this offer is subject to a minimum annual household income of $12,000 and verification of a satisfactory credit history. The Ohio Taws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

D-P

Mont y Payment $

Previous Address (if at present address less than 3 yrs)

1 027000925340 1 9 3 1 101 7116

A VISA or MasterCard has been reserved

in your name with a credit line up to $5,000.

Dear Karen T Nishioki:

027-04

Then you

How many times have you received letters from credit card
companies that exclaim, "You deserve more credit!"
look at their rather ordinary credit line and long application
form. Soon you realize that their words speak louder than their
actions.

Here's a VISA or MasterCard - already reserved in your name
with a credit line up to $5,000.

And once we get to know you better, we'll continue to raise your
credit line even more to meet your changing needs.

Of course, we can make this offer only because we know how well
you manage your money and because we don't take credit risks.
So you don't have to pay for someone else's poor credit.

By carrying the Signet VISA or MasterCard, you're entitled to
services you don't normally expect. Extras like being able to
get emergency cash at over 30,000 automated teller machines
worldwide. Free $100,000 Travel Accident Insurance. A free
supply of personalized convenience checks. Car rental discounts.
And quality toll-free customer service.

We even offer a way to protect your purchasing power and credit
rating through our optional Payment Provider Insurance. It
covers your minimum monthly payment in the event of disability,
unemployment, and the entire balance in the event of death.

Maybe all this explains why we're the oldest continuous bank
card program in the nation.

Even if you already have a VISA and a MasterCard, you can still
accept our offer as well. Our card may be the only one you'll
need. Or you might keep your other cards, thereby adding to
your available purchasing power.

(over, please)

1 (we) hereby apply to S-gnet BarwVirginia for a Visa or MasterCard account (we) understand that Signet Bank reserved my (our) account(s) based upon an initial assessment that my (our) credit bureau Rec.) met your credit standards (we) understand that you maintain the right not to open my (our) account or to open my (our) account with a lower credit line, the assessment changes based on 1) a more recent credit bureau check 2) the information supplied on the Acceptance Certificate 3) the inability to verity such information. 4) household income below $15.000 or 5) insufficient net income ater obligations. You are authorized to check my tour) credit history and to answer questions about your credit experience with me (us) I (we) agree to be bound by the terms and conditions of the Signet Barw Virginia Customer Agreement and Truth-in-Lending Disclosure that will be garen lo me ((p) with my (our) cards and future revisions thereot

Cellophis Residents. After credit approval week apprčani shall have the right to use the credit card account up to the Erban trit of the socount. Each applicant may be leble for amounts extended under the plan to any joint applicant. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this low nois Residente: Residents of inois may contact the illinois Commissioner of Banks and Trust Companies for comparative information on interest rates, charges, fese and grace periods. State of Minole---CIP PO Box 10181, Springfield, Illinois 82791, 1-800-834-5482. New York Residents: A consumer credit report may be ordered in connection with the update, renewal or extension of credit. Upon your request, you will be informed whether or not a consumer credit report was ordered and, if it was, you will be given the name and address of the consumer reporting agency that furnished the report. Offer void in lows and Wisconsin. Wisconsin Residents: Wisconsin law provides that no provision of an agreement, unilateral statement or court decree applying to markal property will adversely affect a creditor's interest unless the creditor, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

Send no money now. Your low annual fee of $18 will appear on
your first monthly statement.

Simply

We've already reserved a VİSA or MasterCard in your name.
complete the enclosed Acceptance Certificate and return it to us.
Then we'll send you the first card that not only says you deserve
more credit. It makes sure you have it.

P.S.

Sincerely,

William 1. Binns

William F. Binns

Executive Vice President

This special offer expires soon, so please act quickly.

Payment Provider Benefits, Limitations, Exclusions and Costs

Payment Provider is credit insurance that pays the minimum amount due (exclusive of past due and over the credit limit amounts) on your Signet Bank/Virginia credit card for up to 12 months in the event of involuntary unemployment or disability it also pays your entire insured outstanding balance up to $5,000 in the event of death

ENROLLMENT: When you enroll you will be mailed your certificates daining your coverage and indicating your effective date. To enroll, you must be under age 66 (age 70 in AZ, FL, MV and VA GA and OK) Creditle insurance and disability insurance terminate at these ages. For unemployment coverage, you must be gainfully employed working at least 30 hours a week (not self-employed or an independent contractor) for at least 90 consecutive days before date of loss

UNEMPLOYMENT/DISABILITY BENEFITS AND TERMS: Monthly payments are limited to the minimum amount due on your account, excluding past due or over credit line amounts. In the event of unemployment payments will be made for up to 12 months or until you return to work, which ever comes first in the event of deability, payments will be made until you return to work or the maximum benefit has been reached, which ever is less. Total benefits will be paid up to the least of your insured outstanding balance at the date of bas, or $5.000 Benets begin after the 30th consecutive day of your unemployment. Unemployment insurance does not cover retirement, resignation, voluntary forfeiture of income, or loss of job because of wilful or criminal misconduct or disability otherwise covered or expressly excluded by Payment Provider Disability insurance does not cover losses caused by normal pregnancy or childbirth (except in NV), intentionally sall inflicted injuries (except in MD), or a condition which required medical diagnosis or treatment in the six months before your coverage began the loss occurs in the first six months of coverage.

LIFE INSURANCE BENEFTS AND TERMS: Payment will be made in the amount of your total insured outstanding balance at the time of death (not to exceed $5,000). Life insurance does not cover
Buicide during the first six (6) months of coverage (except in MD or MO).

COST: This insurance costs 608 per $100.00 per month of your insured average daily balance (in Vermont, the 80s consists of 5.16 of insurance 8.8e disability and 45¢ unemployment).
AVAILABILITY: This coverage is not available in CA, CT, HI, LA, MA, ME, MI, NH, NY, NC, PA, SC, TX and VT.

UNDERWRITERS: This plan is underwritten by the American Security Insurance Co. and Union Security Lille Insurance Co. of Atlanta, Georgia under policies (L-1-S-1 and LON(585)
Sokciting agent for Mississippi Aaron B. Dupuy, Jr