CIVIL CODE,DIVISION 3,HEADING,PARTICULAR,TRANSACTIONS,ENACTED,TITLE 1,CREDIT CARDS,SONG,BEVERLY,CREDIT CARD ACT,INTENT OF THE LEGISLATURE,PROVISIONS,SIMILAR,THE FEDERAL,TRUTH IN LENDING ACT,15 U S C,CONFORM,INTERPRETED,ANYONE,CONSTRUING,THE TRUTH,LENDING,RULE,REGULATION,INTERPRETATION,PROMULGATED,BOARD OF GOVERNORS OF,THE FEDERAL RESERVE,SYSTEM,EMPLOYEE,AUTHORIZED,ISSUE,CREDIT CARD,MEANS,PLATE,COUPON BOOK,CREDIT,DEVICE,EXISTING,PURPOSE,FROM TIME TO TIME,PRESENTATION,MONEY,PROPERTY,LABOR,MEAN,USED TO,TELEPHONE,TRANSACTION,PUBLIC UTILITY,TARIFFS,BE USED TO,ELECTRONIC FUND TRANSFER,ONLY IF,AGREEMENT BETWEEN,CONSUMER,FINANCIAL INSTITUTION,THE CONSUMERS,ASSET,ACCOUNT,OVERDRAWN,MINIMUM,BALANCE,ANY KEY,CARD KEY,AUTOMATED,OUTLET,PURCHASE,PETROLEUM PRODUCTS,DEFINED,SUBDIVISION,C,SECTION,THE BUSINESS,CODE,BUSINESS,RATHER,PERSONAL,FAMILY,ACCEPTED,SIGNED,PERSON,RENEWAL,SUBSTITUTION,WHETHER,SUCCESSOR,CARD ISSUER,AGENT,WITH RESPECT TO,NATURAL PERSON,WHOM,CONSUMER CREDIT,THE CARD,ISSUER,ISSUANCE,TERM,FOR ANY,COMMERCIAL,AGRICULTURAL,RETAILER,GOODS SERVICES,ANYTHING ELSE,VALUE,SHALL,THE STATE,COUNTY,CITY AND COUNTY,PUBLIC,AGENCY,APPARENT AUTHORITY,BENEFIT,AUTHORITY,ATTEMPTED,TERMINATION,PERSONS,TERMINATE,NOTWITHSTANDING,ABOVE,ISSUERS,RECEIPT,WRITTEN,NOTICE,WISHES,THE AUTHORITY,PREVIOUSLY,USER,FOLLOW,INQUIRY,WRITING,MAIL,ADDRESS,PAYMENTS,NORMALLY,TENDERED,UNLESS,THE STATEMENT,DAYS,STATEMENT,ALLEGED,BILLING,ERROR,FORTH,SUFFICIENT,INFORMATION,BASIS,BELIEF,RESPONSE,LAST,TIMELY,COMPLETE,EVENT,90 DAYS,OMISSION,OR COMMISSION,POSTING,DEBIT,OR 2,COMPUTATION,ACCOUNTING,NATURE,DISPUTE,QUALITY,QUANTITY,ADEQUATE,PRINTED,PERTINENT,FACTS,OPERATE,UNDERSTOOD,MEANING,SECURED CREDIT CARD,AGREEMENT,INSTRUMENT,LIEN,REAL PROPERTY,PERSONAL PROPERTY,STUDENT,PRIVATE,COLLEGE,UNIVERSITY,HIS OR HER,ENROLLMENT,PRIVATE UNIVERSITY,QUALIFY,INCOME,RETAIL,MOTOR FUEL,FUEL,POWER,INTERNAL COMBUSTION ENGINES,MOTOR VEHICLE,ENGINES,THE SALE,REMOTE,ELECTRONIC PAYMENT SYSTEM,LOCATION,THE SELLER,PRESENT,PAYMENT,ISLAND,CASHIER,ELECTRONIC PAYMENT,PROCESSING,STATION,RETAIL SALE,CLOSE,EFFECTIVE,OCTOBER 9,RIGHTS,REGULATION E,BOARD,WHICH WILL,COMPANY,CORPORATION,PARAGRAPH,THE LOSS,THEFT,THE KEY,NOTIFICATION,WAIVER,CONTRARY,PUBLIC POLICY,VOID,UNENFORCEABLE,JANUARY 1,NO CREDIT CARD,EXCEPT,IN RESPONSE,REQUEST,APPLICATION,ACTIVATION,PROCESS,CONTACT,ACTIVATE,PRIOR,CREDIT TRANSACTION,COMPLETION,OVERDRAFT PROTECTION,ADVANCE,CHARGE,CREDIT CARD ISSUER,SOLICITATION,LISTS,VERIFY,THE CHANGE,PROVISION,LAW,PROVES,ACTUALLY,FOR A CHANGE,CHANGE,VERIFIED,JULY 1,JANUARY 1 2000,FIRM,PARTNERSHIP,ASSOCIATION,CONDITION,FULL,GOODS,WRITE,PERSONAL IDENTIFICATION,CAUSES,PREPRINTED,SPACES,DESIGNATED,FILLING,INFORMATION SET,LIMITED,TELEPHONE NUMBER,APPLY,DEPOSIT,THE EVENT,DEFAULT,LOSS,DAMAGE,CASH ADVANCE,ORDER,SALES,USES,ZIP CODE,PREVENTION,FRAUD,IDENTITY THEFT,COLLECT,RECORD,FEDERAL,STATE LAW,SPECIAL PURPOSE,RELATED,SHIPPING,DELIVERY,SERVICING,INSTALLATION,MERCHANDISE,SPECIAL,ORDERS,REASONABLE,POSITIVE,IDENTIFICATION,DRIVERS LICENSE,CALIFORNIA STATE,IDENTIFICATION CARD,AVAILABLE,PHOTO IDENTIFICATION,NONE,THE INFORMATION,PAYS,CREDIT CARD NUMBER,NUMBER,SUBJECT TO,CIVIL PENALTY,NOT TO EXCEED,TWO HUNDRED FIFTY,DOLLARS,VIOLATION,THOUSAND,FOR EACH,COLLECTED,CIVIL,ACTION,THE ATTORNEY,GENERAL,THE DISTRICT,ATTORNEY,CITY ATTORNEY,THE DEFENDANT,SHOWS,PREPONDERANCE OF THE EVIDENCE,INTENTIONAL,BONA FIDE,DEFENDANTS,MAINTENANCE,PAYABLE,THE ACTION,THE GENERAL,FUND,WHICHEVER,GOVERNMENTAL,ENTITY,DISTRICT ATTORNEY,JURISDICTION,SUPERIOR COURT,NAME,THE PEOPLE OF THE STATE OF,CALIFORNIA,ENJOIN,LESS THAN,APPEARS,SATISFACTION,THE COURT,IN FACT,VIOLATED,MAY ISSUE,INJUNCTION,VIOLATIONS,PROOF,DAMAGED,PROCEEDINGS,FINDS,DIRECT,COSTS,RELIEF,COLLECTION,CHANGES,CHAPTER,STATUTES,AFTER JANUARY,NOTHING,CONSTRUED,AFFECT,FILED,LIMITED LIABILITY COMPANY,DEBIT CARDS,PRINT,THE LAST,DIGITS OF,DEBIT CARD,EXPIRATION DATE,RETAINED,EXCHANGE,RETURN,PERSONAL IDENTIFICATION NUMBER,ELECTRONICALLY,SOLE,RECORDING,HANDWRITING,IMPRINT,DOCUMENTS,PARAGRAPHS,TO 3,INTERNAL,CONDITIONS,THE LIABILITY,IN EXCESS,FIFTY,THE POTENTIAL,LIABILITY,DESCRIPTION,METHOD,IDENTIFIED,USE IT,ONE CARD,USE BY,EMPLOYEES,ORGANIZATION,ACCORDANCE,GIVE,OBLIGATION,ENTITLED,INTEREST,FINANCE,CHARGES,SERVICE,DATE,MAILING,THE INQUIRY,THE RESPONSE,PERIOD,AMOUNT,OUTSTANDING BALANCE,GREATER THAN,RISE,INJURED,WILLFUL VIOLATION,RECOVERY,DAMAGES,JUDGMENT,THREE TIMES,ACTUAL DAMAGES,RECOVER,FEES,INQUIRIES,ERRORS,KNOWINGLY,ANY OTHER PERSON,REQUIREMENTS,COMMUNICATE,FAILURE,CANCEL,RENEW,REASON,CHARACTERISTIC,SECTION 51,WILLFULLY,OFFENSE,THE ACTUAL,ADDITION,SUFFERED,DENIED,REASONS,PETITION,TERMS CONDITIONS,STANDARDS,INDIVIDUALS,DETERMINED,THE NORMAL,COURSE,MARRIED WOMAN,BEARING,MAIDEN NAME,MARRIED NAME,WOMAN,OPEN,CH 125,30 DAYS,INTENTION,TO DO,THE AGREEMENT,GOVERNING,EVIDENCE,REASONABLE BELIEF,STATUS,18 MONTHS,REUSE,THE CURRENT,OPEN END,PLAN,CLAIMS,DEFENSES,GOOD FAITH,ATTEMPT,RESOLUTION,DISAGREEMENT,PROBLEM,HONORING,INITIAL,THE PLACE,IN CALIFORNIA,100 MILES,CURRENT,LIMITATIONS,RIGHT,ASSERT,COMMON