myAT&T Customer Service Summary

MARIA VADERRAMA
2544 HOBSON RD , AXTON VA 24054-2183

Account Level Summary Account#418082105702 Manage your account

Service Next Bill* Monthly Online at [Link]/myatt
Mobility* $249.55 $181.24
Total Charges $249.55 $181.24
From a mobile device, download our
*Includes discounts received along with taxes, fees, one time charges and proration charges. All
promotional offers may not be reflected. See your monthly bill for promotional pricing. Taxes are
app at [Link]/myattapp
estimated and based on the highest tax/fee/surcharge rates per state and are subject to change.

By telephone, call 800.331.0500 or

dial 611 from your AT&T mobile phone
To learn more about Paperless Billing
visit [Link]/gopaperless.
To learn more about AutoPay
visit [Link]/autopay.
What changed today? 02/05/2017
Mobility Changes Made
• 276.618.1785 - Plan/feature change
• 276.618.4267 - New Activation
What do I need to know?
Mobility Service
Video Streaming
• Our most popular plans with data will include Stream Saver, which allows you to save data on content it recognizes as
video by streaming higher definition video in Standard Definition, similar to DVD, (about 480p) on compatible devices
(unless the video provider has opted out). AT&T will activate the feature for you. Check your account online to see if the
feature is active. You can then turn it off or back on at any time online (consumers at [Link]/myatt; business
customers at [Link]/business). Stream Saver will not recognize all video content. Ability to stream and
video resolution may vary, and be affected by other factors. Restrictions apply. Go to [Link]/streamsaver for
details.
Mobile Share Advantage
• After your high-speed data allotments are used, all data usage is slowed to a max of 128 Kbps (2G speeds) for the rest of
the bill cycle. Audio and video streaming, picture and video messaging, select apps and services, and other data usage,
including sponsored data will be impacted and may not be fully functional.
• Unused data from your monthly plan carries over for one bill cycle ("Rollover Data"). Monthly plan data is consumed
before Rollover Data. Unused Rollover Data expires after 1 billing period, with plan change, or when plan is terminated.
Rollover Data is not redeemable for cash or credit and is not transferable.
• See [Link]/mobileshareadvantage for full plan details and [Link]/broadbandinfo for info on AT&T's network
management practices.

Generated on: 02/05/2017

©2016 AT&T and Globe logo are registered trademarks of AT&T Intellectual Property. All other marks are the property
of their respective owners. Page 1

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MARIA VADERRAMA
2544 HOBSON RD , AXTON VA 24054-2183

Bill Details
Bill Cycle & Proration Information
Bill Cycle: Mobility Billing Start Date: 02/05/2017
8th through 7th Mobility Proration: 3 days
First Bill(s): Account Change Date: 02/05/2017
AutoPay: Not Enrolled
prorated charges + 1
month advanced service Paperless Billing: Not Enrolled

*You are billed for services one month in advance. When you modify your plan or features, your bill will be prorated for the remainder
of your bill cycle plus one bill cycle in advance. Above is an indication of the number of days of proration for each of your services.
Billing begins on the activation date. To learn more about your bill visit [Link]/mybill and log into your account. This bill estimation is
not a part of your contract.

Estimated Charges
Mobility Service Details*
* =item changed/added today

Mobile Share Advantage 6GB One Time Charges & Credits

Monthly Charges

276.618.1785 Apple Iphon7pa1784 (Primary Line) Activation Fee: $50.00

Mobile Insurance $7.99 Prorated Charges:
Mobile Share Advantage 6GB $60.00 2766181785 $8.80
Device Access $40.00 2766184267 $2.80
Discount for Access -$20.00
276.618.4267 Apple iPhone 6s
Mobile Insurance
Device Access
* $7.99
$40.00
Voice Minutes:
Text Messages:
Shared Data*:
Unlimited
Unlimited
6GB
Discount for Access -$20.00 411: $1.99/call
Total Monthly Charges $115.98
Installment Charges:
276.618.1785 Installment 1 of 30 $25.67
276.618.4267 Installment 1 of 30 $18.34
Total Installment Charges $44.01
Total Ongoing Monthly Charges $159.99
*Excess Data Usage: After all data allotments are used, all data usage are slowed to a max of 128 Kbps (2G speeds) for the
rest of your bill cycle.

THIS IS NOT A BILL Page 2

 myAT&T Customer Service Summary
MARIA VADERRAMA
2544 HOBSON RD , AXTON VA 24054-2183

Mobility Service Details* (continued)

Summary One Time Charges & Credits
Monthly Charges

Subtotal $159.99 Subtotal $61.60

Other AT&T Surcharges $0.58 Prorated Taxes and Fees $6.71
Federal Universal Service Fund $9.15
Administrative Fee $1.52
Regulatory Cost Recovery Charge $1.25
911 Fee $0.75
State and Local Tax $8.00
Total Monthly Charges $181.24 Total One Time Charges $68.31
First Bill: $249.55 (Total Monthly Charges + Total One Time Charges)

In addition to other monthly charges, AT&T imposes the following charges per line: 1) federal & state universal service charges, 2)
Regulatory Cost Recovery Charge (up to $1.25), 3) gross receipts surcharge, Administrative Fee, Property Tax Allotment surcharge of
$0.20 - $0.45 per Corporate Responsibility User's assigned number, & other government assessments. These fees are not taxes or
government required charges. Above estimates do not include promotional credits and are based on highest tax/fee/surcharge rates
assessed in your state; actual charges may vary. See [Link]/AdditionalCharges.

THIS IS NOT A BILL Page 3

 myAT&T Customer Service Summary
MARIA VADERRAMA
2544 HOBSON RD , AXTON VA 24054-2183

Policies and Warranty

Mobility
Equipment Return Policy
Items with proof of purchase that are like new condition and include all accessories, manuals and original packaging can
be returned within 14 days of purchase or shipping unless they're closeout items. You'll be charged a restocking fee of
$45, except where prohibited. See [Link]/returnpolicy for details. Authorized Retailers and other locations may
have different policies.
Cancellation Policy
You may terminate this Agreement within 14 days of activation without paying an ETF. Any activation fees will be
refunded if you cancel within 3 days of activation. You'll be responsible for all fees and charges incurred through the date
you cancel. Additionally, you must return any Equip. and accessories purchased with this Agreement. If you terminate
after 14 days, you'll be charged an ETF for each phone number or Equip. ID number associated with this Agreement. See
[Link]/equipmentETF.
Manufacturer's Warranty
Manufacturers offer a one-year warranty on NEW equipment and a 90-day warranty on AT&T Certified Like-New
equipment. For repairs/replacement of your equipment with original proof of purchase, call 800.801.1101 or visit
[Link]/dsc to find the nearest Device Support [Link] all Apple products, tablets or gaming devices; contact the
manufacturer. Visit [Link]/devicewarranty for a list of manufacturers and additional warranty information.
OPTIONAL: Mobile Insurance (MI), Mobile Protection Pack (MPP), or Multi-Device Protection Pack (MDPP)
If eligible, you have 30 days from activation or upgrade date to enroll. MI, MPP, MDPP are administered by Asurion
Protection Services, LLC, underwritten by Continental Casualty Company, a CNA company. Key terms: 1) Monthly Fee:
$7.99 MI; $10.99 MPP; $29.99 MDPP. 2) MI, MPP, MDPP Standard Connected Device Deductible:
$25/$75/$150/$225/$299; cracked screen repair deductible $89 (effective 11/15/16); MDPP non-connected devices:
$89 for repair; $199 lost/stolen tablets and $299 lost/stolen laptops. Continuously enrolled customers who go claim free
for 6 or more months save 25% - 50% off the standard deductible. 3) Claim Limits: # of claims per consecutive 12 months
is 2 for MI, 2 for MPP, 6 for MDPP (max device value of $1500 per occurrence); 4) Replacement Devices: may be new or
AT&T Certified Like-New. Colors, features & accessory compatibility not guaranteed; 5) Cancel at any time and receive a
refund of unearned charges. For complete terms and details on the repair option, see [Link]/protectioncenter.
Optional: AT&T Next
You may be able to trade-in your financed smartphone to upgrade to a new smartphone any time after you make the
required installment payments under your applicable agreement. For more information refer to your AT&T Next Retail
Installment Agreement. Account must be in good standing; trade-in smartphone must be in good physical and fully
functional condition. Purchase is subject to then available smartphone offers and any associated wireless service
requirements. For more details, visit [Link]/next.

Service Agreements
Mobility
Wireless Numbers: 276.618.4267

Your agreement(s) with AT&T for the above Wireless Numbers consists of:
1. The Wireless Customer Agreement # FMSTCT06167560E and its arbitration clause, and
2. The rates and other details about the rate plan in the Customer Service Summary or at [Link]/wireless.

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 myAT&T Customer Service Summary
MARIA VADERRAMA
2544 HOBSON RD , AXTON VA 24054-2183

Mobility (continued)
Guaranty
If I am signing on behalf of an entity, I represent that I am authorized to sign on its behalf, and I agree to be jointly
responsible with the entity for payment of any sums that become due under, and to be bound by, this Agreement. I
agree you can collect directly from me without first proceeding against the entity.

International Roaming - Using your device outside the U.S.

International roaming pay-per-use rates apply if you talk, text or use data while you're outside of the U.S., Puerto Rico or
U.S.V.I. without a rate plan or travel package that includes international service. International talk, text, and data rates
vary, are subject to change and can be seen at [Link]/passport.
International Long Distance - calling internationally from the U.S.
International long distance pay-per-use rates apply if you talk with or text someone outside the U.S., Puerto Rico or
U.S.V.I. without a rate plan or travel package that includes international service. International long distance talk and text
rates vary by country, are subject to change and can be seen at [Link]/worldconnect.
iPhone and Certain Other Devices
Eligible voice and data plans are required for iPhone and certain other devices. The data plans do not cover international
data charges. I agree that AT&T may add required plans to my account and bill me the appropriate monthly fee if I use an
iPhone or other device that has plan requirements.
Capability to Charge Third Party Purchases to Your Wireless Bill
You can purchase content, goods, and services (including subscriptions) such as applications and games from AT&T and
other companies, and make donations, by billing charges to your wireless account. These charges appear in separate
sections of your bill. You are responsible for all charges for authorized purchases and may block these purchases by
adding Purchase Blocker to lines on your account by using your MyAT&T app or calling AT&T. You may also place
restrictions on your account using Smart Limits. To learn more, see [Link]/mobilepurchases or call AT&T.
Information About AT&T Broadband Internet Access
For more information about AT&T's broadband Internet access services please visit [Link]/broadbandinfo.

Page 5
 CREDIT SALE CONTRACT/RETAIL INSTALLMENT CONTRACT/RETAIL INSTALLMENT OBLIGATION/RETAIL
INSTALLMENT SALE AGREEMENT/CONDITIONAL SALES CONTRACT/SECURITY AGREEMENT
SUBJECT TO STATE REGULATION

SELLER/CREDITOR: New Cingular Wireless PCS, LLC d/b/a AT&T Mobility

1025 Lenox Park Boulevard NE, Atlanta, GA 30319
BUYER’S NAME: MARIA VADERRAMA
BUYER’S PHONE NUMBER: 2766184267
BUYER’S ADDRESS: 2544 HOBSON RD , AXTON VA 24054-2183

DESCRIPTION OF WIRELESS COMMUNICATIONS DEVICE: APPLE IPHONE 6S

INSTALLMENT ID: 410000010271338

FEDERAL TRUTH-IN-LENDING DISCLOSURES

ANNUAL FINANCE Amount Total of Payments Total Sale Price
PERCENTAGE CHARGE Financed The amount you will The total cost of
RATE The dollar amount The amount of credit have paid after you your purchase on
The cost of your the credit will cost provided to you or have made all credit, including
credit as a yearly you. on your behalf. payments as your down payment
rate. scheduled. of $0.00 is

0.00% $0.00 $549.99 $549.99 $549.99

Your Payment Schedule Will Be

Number of Payments 30
Amount of Payment $18.34
When Payments Are Due Monthly beginning with your next bill cycle
(see your Customer Service Summary for bill cycle details)

Security. As described in greater detail below, you are granting to AT&T a purchase money security interest in the
Wireless Communications Device described above (“Device”) that you are purchasing pursuant to this Agreement.
Late Charge. No late charges will be assessed under the terms of this Agreement. (Late charges will be assessed for
late payment of non-installment charges on your bill as specified in your Wireless Customer Agreement or, if
applicable, your business agreement (the “Service Agreement”).)
Prepayment. If you pay off all of your debt early, you will not have to pay a penalty.
Service Deposit (if applicable). The annual percentage rate does not take into account any required service deposit.
Additional Information. See this Agreement for more information about nonpayment, default, any required
repayment in full before the scheduled date, and prepayment refunds and penalties.

ITEMIZATION OF AMOUNT FINANCED of $549.99

$549.99 PURCHASE PRICE
-$0.00 DOWN PAYMENT
$549.99 AMOUNT FINANCED
$0.00 PREPAID FINANCE CHARGE

By signing this Credit Sale Contract/Retail Installment Contract/Retail Installment Obligation/Retail Installment Sale
Agreement/Conditional Sales Contract/Security Agreement (the “Agreement”), you, the Buyer, choose to buy the Device
on credit under the terms disclosed in this Agreement. You hereby grant to AT&T a purchase money security interest in
(i) the Device, (ii) any and all cash proceeds of the Device, including without limitation any debit card or cash received by
you upon disposition or sale thereof or in exchange therefore, and (iii) all non-cash proceeds thereof, to secure the
payment and performance of your obligations hereunder (collectively, the “Secured Obligations”), including without
limitation, any unpaid Amount Financed, any Finance Charge, and subject to applicable law, the reasonable and actual
expenses of retaking, processing and disposing of the Device upon an event of default (which shall include reasonable
attorneys’ fees), which security interest will continue until AT&T has received payment in full of the Secured Obligations.
Buyer and AT&T intend and agree that this Agreement constitutes a security agreement and that Buyer’s grant of a
security interest to AT&T pursuant to this Agreement is a “purchase money security interest” in the Device and the
“proceeds” thereof as defined in the Uniform Commercial Code in effect in the state of Buyer’s billing address at the time
this Agreement is signed. You agree to pay the Seller/Creditor or any assignee (also, “AT&T,” “We” or “Us”) the Amount
Financed and any Finance Charge in U.S. funds according to the payment schedule above. The Truth-in-Lending
Disclosures above are part of this Agreement.
New Cingular Wireless PCS, LLC d/b/a AT&T Mobility Page 1
000
 IMPORTANT TERMS – PLEASE READ THIS
1. DISPUTE RESOLUTION BY BINDING ARBITRATION.
1.1 Summary of Arbitration Agreement. Please read this carefully. It affects your rights.
Most customer concerns can be resolved quickly and to the customer's satisfaction by calling our customer
service department at 1-800-331-0500. In the unlikely event that AT&T's customer service department is
unable to resolve a complaint you may have to your satisfaction (or if AT&T has not been able to resolve a
dispute it has with you after attempting to do so informally), we each agree to resolve those disputes
through binding arbitration or small claims court instead of in courts of general jurisdiction. Arbitration is
more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for
more limited discovery than in court, and is subject to very limited review by courts. Arbitrators can award the
same damages and relief that a court can award. Any arbitration under this Agreement will take place on an
individual basis; class arbitrations and class actions are not permitted. For any non-frivolous claim that does
not exceed $75,000, AT&T will pay all costs of the arbitration. Moreover, in arbitration you are entitled to recover
attorneys' fees from AT&T to at least the same extent as you would be in court.
In addition, under certain circumstances (as explained below), AT&T will pay you more than the amount of the
arbitrator's award and will pay your attorney (if any) twice his or her reasonable attorneys' fees if the arbitrator
awards you an amount that is greater than what AT&T has offered you to settle the dispute.
1.2 Arbitration Agreement.
(1) AT&T and you agree to arbitrate all disputes and claims between us. This agreement to arbitrate is intended
to be broadly interpreted. It includes, but is not limited to:
• claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort,
statute, fraud, misrepresentation or any other legal theory;
• claims that arose before this or any prior Agreement (including, but not limited to, claims relating to
advertising);
• claims that are currently the subject of purported class action litigation in which you are not a member of a
certified class; and
• claims that may arise after the termination of this Agreement.
References to "AT&T," "you," and "us" include our respective subsidiaries, affiliates, agents, employees,
predecessors in interest, successors, and assigns, as well as all authorized or unauthorized users or beneficiaries
of services or devices under this or prior Agreements between us. Notwithstanding the foregoing, either party
may bring an individual action in small claims court. This arbitration agreement does not preclude you from
bringing issues to the attention of federal, state, or local agencies, including, for example, the Federal
Communications Commission. Such agencies can, if the law allows, seek relief against us on your behalf. You
agree that, by entering into this Agreement, you and AT&T are each waiving the right to a trial by jury or to
participate in a class action. This Agreement evidences a transaction in interstate commerce, and thus the
Federal Arbitration Act governs the interpretation and enforcement of this provision. This arbitration provision
shall survive termination of this Agreement.
(2) A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of
Dispute ("Notice"). The Notice to AT&T should be addressed to: Office for Dispute Resolution, AT&T, 1025 Lenox
Park Blvd., Atlanta, GA 30319 ("Notice Address"). The Notice must (a) describe the nature and basis of the claim
or dispute; and (b) set forth the specific relief sought ("Demand"). If AT&T and you do not reach an agreement to
resolve the claim within 30 days after the Notice is received, you or AT&T may commence an arbitration
proceeding. During the arbitration, the amount of any settlement offer made by AT&T or you shall not be
disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or AT&T is
entitled. You may download or copy a form Notice and a form to initiate arbitration at [Link]/arbitration-forms.
(3) After AT&T receives notice at the Notice Address that you have commenced arbitration, it will promptly
reimburse you for your payment of the filing fee, unless your claim is for greater than $75,000. (The filing fee
currently is $200 for claims under $10,000 but is subject to change by the arbitration provider. If you are unable
to pay this fee, AT&T will pay it directly upon receiving a written request at the Notice Address.) The arbitration
will be governed by the Consumer Arbitration Rules ("AAA Rules") of the American Arbitration Association
("AAA"), as modified by this Agreement, and will be administered by the AAA. The AAA Rules are available online
at [Link], by calling the AAA at 1-800-778-7879, or by writing to the Notice Address. (You may obtain
information that is designed for non-lawyers about the arbitration process at [Link]/arbitration-information.) The
arbitrator is bound by the terms of this Agreement. All issues are for the arbitrator to decide, except that issues
relating to the scope and enforceability of the arbitration provision are for the court to decide. Unless AT&T and
you agree otherwise, any arbitration hearings will take place in the county (or parish) of your billing address. If
your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely
on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing
as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the

New Cingular Wireless PCS, LLC d/b/a AT&T Mobility Page 2

 AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned
written decision sufficient to explain the essential findings and conclusions on which the award is based. Except
as otherwise provided for herein, AT&T will pay all AAA filing, administration, and arbitrator fees for any
arbitration initiated in accordance with the notice requirements above. If, however, the arbitrator finds that either
the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose
(as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all such
fees will be governed by the AAA Rules. In such case, you agree to reimburse AT&T for all monies previously
disbursed by it that are otherwise your obligation to pay under the AAA Rules. In addition, if you initiate an
arbitration in which you seek more than $75,000 in damages, the payment of these fees will be governed by the
AAA rules.
(4) If, after finding in your favor in any respect on the merits of your claim, the arbitrator issues you an award that
is greater than the value of AT&T's last written settlement offer made before an arbitrator was selected, then
AT&T will:
• pay you the amount of the award or $10,000 ("the alternative payment"), whichever is greater; and
• pay your attorney, if any, twice the amount of attorneys' fees, and reimburse any expenses (including expert
witness fees and costs) that your attorney reasonably accrues for investigating, preparing, and pursuing your
claim in arbitration ("the attorney premium").
If AT&T did not make a written offer to settle the dispute before an arbitrator was selected, you and your
attorney will be entitled to receive the alternative payment and the attorney premium, respectively, if the
arbitrator awards you any relief on the merits. The arbitrator may make rulings and resolve disputes as to the
payment and reimbursement of fees, expenses, and the alternative payment and the attorney premium at any
time during the proceeding and upon request from either party made within 14 days of the arbitrator's ruling on
the merits.
(5) The right to attorneys' fees and expenses discussed in paragraph (4) supplements any right to attorneys' fees
and expenses you may have under applicable law. Thus, if you would be entitled to a larger amount under the
applicable law, this provision does not preclude the arbitrator from awarding you that amount. However, you may
not recover duplicative awards of attorneys' fees or costs. Although under some laws AT&T may have a right to
an award of attorneys' fees and expenses if it prevails in an arbitration, AT&T agrees that it will not seek such an
award.
(6) The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and
only to the extent necessary to provide relief warranted by that party's individual claim. YOU AND AT&T AGREE
THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND
NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Further, unless both you and AT&T agree otherwise, the arbitrator may not consolidate more than one person's
claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific
provision is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.
(7) Notwithstanding any provision in this Agreement to the contrary, we agree that if AT&T makes any future
change to this arbitration provision (other than a change to the Notice Address) during your Service Commitment,
you may reject any such change by sending us written notice within 30 days of the change to the Arbitration
Notice Address provided above. By rejecting any future change, you are agreeing that you will arbitrate any
dispute between us in accordance with the language of this provision.
1.3 Puerto Rico Customers.
For Puerto Rico customers, references to "small claims court" in sections 1.1 and 1.2 should be understood to
mean the Puerto Rico Telecommunications Regulatory Board.
2. RESPONSIBLE PARTY. As used herein, “you” or “Buyer” means an individual or a business entity that is the
customer of record. If you are an individual signing on behalf of an entity or another individual, you represent
that you are authorized to sign on their behalf and, if it is determined that you are not so authorized, you
understand and agree to be personally responsible for and guarantee payment of any sums that become due
under this Agreement.
3. CREDIT QUALIFICATION. AT&T may check your credit with a credit reporting agency or use your existing credit
information on file with AT&T affiliates. AT&T may terminate this Agreement prior to your receipt of the Device if
it is determined that you fail to meet credit qualification requirements.
4. PAYMENTS. Payments are due as stated in the payment schedule disclosed above. A bill for each payment will
be included as part of the bill that you will receive for service under your Service Agreement. Payments that you
make will be applied in the following order: first to past due balances, then pro-rata to balances due under this
Agreement, and under your Service Agreement. Your obligation to make payments under this Agreement is not
contingent upon AT&T’s delivery of service.
5. PREPAYMENT. You may pay the total amount due under this Agreement at any time before the final scheduled
payment is due. If you make a partial prepayment in order to become upgrade eligible, there will be no changes
in the due dates or amount of your scheduled payment.

New Cingular Wireless PCS, LLC d/b/a AT&T Mobility Page 3

 6. RISK OF LOSS: INSURANCE. You bear the entire risk of loss, theft or damage to the Device from any cause
during the entire term of this Agreement. Even if the Device is lost, stolen or damaged, you remain obligated for
the Total of Payments. We recommend that you obtain property insurance on the Device. You may obtain this
property insurance from anyone you want.
7. INDEMNITY. You are responsible for any and all liabilities, losses or damages, whether imposed on you or us, that
are directly attributable to you or any of your acts or omissions during the time the Device is in your possession.
This provision shall survive the termination of this Agreement. To the extent permitted by law, you will reimburse
us for any expenses we incur in connection with the defense of any claim or action you are responsible for under
this Agreement. This includes, but is not limited to, actual and reasonable attorney’s fees not to exceed 15% of
the amount of the loss, liability or damage, except that in New Hampshire and Wisconsin, we will be obligated to
pay any attorney’s fees incurred by you in any action in which you prevail.
8. DEFAULT. You will be in default of this Agreement if any one of the following events (referred to as an “event of
default”) occurs:
a. You fail to make any required payment when due or within fifteen (15) days of the due date;
b. You breach any covenant, representation or warranty in this Agreement;
c. You default in the performance of any other obligation in this Agreement and such default continues for ten
(10) days after we provide you with written notice of the default;
d. You fail to maintain voice and/or data service (voice and data are both required for smartphone Devices)
under a Service Agreement for the wireless number associated with the Device. This number may
change upon mutual agreement and the current associated wireless number will be reflected on your
monthly bill.
e. You pledge, mortgage, encumber, create a lien on, adverse claim on or security interest in, or suffer the same
to exist, lease, sell, dispose of, transfer, entrust, loan, or surrender possession of the Device (collectively
referred to as a “Transfer”) while any Secured Obligation remains outstanding.
9. REMEDIES IN THE EVENT OF DEFAULT. In the event you are in default of this Agreement and to the extent
permitted by applicable law, we have the right to exercise any one or more of the following remedies:
a. Disable the Device’s wireless network connectivity capabilities.
b. Require you to immediately pay the sum of the remaining unpaid Amount Financed (except that in Illinois,
you must be in default for at least 30 days);
c. Require you to pay us actual and reasonable costs of collection, including attorney’s fees, except that in New
Hampshire and Wisconsin, we will be obligated to pay any attorney’s fees incurred by you in any action in
which you prevail.
d. Take possession of the Device and sell, lease, license or otherwise dispose of the Device to satisfy any unpaid
Secured Obligation.
e. Otherwise exercise remedies of a secured party under the Uniform Commercial Code and other applicable law.
We will give you notice of our intent to exercise our rights as required by applicable law.
10. ASSIGNMENT. AT&T may, without your consent and without notice to you, assign this Agreement, but you will
not assign this Agreement or any interest in it, or sell or offer to sell or transfer or enter into any lease with
respect to the Device covered by this Agreement, without our prior written consent. AT&T does not agree to any
Transfer of the Device free and clear of its purchase money security interest and does not acquiesce in the
retention or possession of the Device by a third party.
11. GOVERNING LAW. The law of the state of your billing address at the time this Agreement is signed shall govern
this Agreement except to the extent that such law is preempted by or inconsistent with applicable federal law.
12. ENGLISH LANGUAGE. The original version of this Agreement is in the English language. Any discrepancy or
conflicts between the English version and any other language version will be resolved with reference to and by
interpreting the English version.
13. PERIODIC STATEMENT. You will receive a statement each month showing the payment that is due under this
Agreement for the coming month and any payments that were applied to the amount due the previous month.
Once you have made all payments due under this Agreement, you will receive a final statement indicating that
fact. These statements will be included as part of your bill for service under your Service Agreement.
14. DISCLAIMER OF WARRANTIES/RETURN POLICY. Seller makes no warranties, express or implied, on the Device,
and there will be no implied warranties of merchantability or of fitness for a particular purpose. We have a
limited return policy. For information about our return policy and manufacturer’s warranties, please see your
Customer Service Summary, visit [Link]/shop/wireless/returnpolicy, or ask a sales representative for
details.
15. AT&T NEXT UPGRADE TRADE-IN FOR SMARTPHONES. You may be able to trade-in your AT&T Next smartphone
(other Devices and programs, including the Equipment Installment Program excluded) after your 12th installment
payment (18 payments are required if this Agreement includes 24 installments and 24 payments are required if
this Agreement includes 30 installments). If you purchase your device on AT&T Next Every Year (24 total
installments) or AT&T Next (30 total installments), you may be able to trade-in your AT&T Next smartphone after
you have paid 50% of the Total Sale Price under the AT&T Next Every Year plan or 80% of the Total Sale Price
under the AT&T Next plan. Your account must be in good standing and your trade-in must be in good physical
and fully functional condition. Purchase of a new qualifying device is required, and purchase is subject to
then-available offers and any associated wireless service requirements. After a successfully processed trade-in,
AT&T will terminate this Agreement and no future installment charges will be billed under this Agreement.

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16. INFORMATION CONTAINED ON YOUR SMARTPHONE. To protect your privacy, you acknowledge that before
trading in your smartphone you have erased your contacts, calendar, photos, messages, call history, email, text
messages, videos, web browsing history and any other personal, confidential or sensitive stored information from
your device.

NOTICE TO BUYER:

1. Do not sign this agreement before you read it or if it contains any blank spaces.
2. You are entitled to an exact and completely filled-in copy of the contract you sign. Keep it to protect your
legal rights.
3. Under the present law, you have the right, among others, to pay off in advance the full amount due at any
time and, under certain circumstances, obtain a partial refund or rebate of the finance charge (a/k/a time
price differential). (In Puerto Rico, if you pay off in advance the balance owed under the contract, the
principal owed as of the date of payment, plus any balance to cover charges or interest accrued to that
date, shall be cancelled.)
4. This contract is covered by federal and state laws (in Hawaii, by Hawaii’s credit sale law) and you have the
rights of a buyer under such laws.
5. Seller certifies that the information contained in the contract complies with the District of Columbia
Municipal Regulations, Title 16, Chapter 1.
6. California residents: The applicant, if married, may apply for a separate account.
7. Wisconsin residents: Marital Agreement Notice—No provision of a marital property agreement, unilateral
statement under Sec. 766.59 [Link]., or court decree under Sec. 766.70 [Link]., will adversely affect
our rights unless we are furnished a copy of the agreement, statement or decree, or we have actual
knowledge of its terms, before credit is granted or the account is opened.
8. Michigan residents: The seller retains a security interest in the subject matter of this agreement.
9. Massachusetts residents: You may under certain circumstances redeem the property if repossessed
because of your default, and you may, under certain conditions, require a resale of the property if
repossessed.
10. By signing this Agreement, you are granting to seller a purchase money security interest in the Device, all
cash proceeds of the Device and all non-cash proceeds of the Device, which will continue until seller has
received payment in full of the Secured Obligations.
11. The seller may not unlawfully enter your premises or commit any other breach of the peace to take
possession of the Device.
12. In the event you are in default under this Agreement, the seller may take possession of the Device and may
sell, lease, license or otherwise dispose of the Device to satisfy any unpaid Secured Obligations.
13. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES
WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT
HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED
AMOUNTS PAID BY THE DEBTOR HEREUNDER.
14. The finance charge does not exceed 0% per annum computed monthly.

CREDIT SALE CONTRACT/RETAIL INSTALLMENT CONTRACT/RETAIL INSTALLMENT OBLIGATION/RETAIL

INSTALLMENT SALE AGREEMENT/CONDITIONAL SALES CONTRACT/SECURITY AGREEMENT

I acknowledge that I have read this Agreement and have received a copy from AT&T.

Seller Buyer

New Cingular Wireless

PCS, LLC d/b/a AT&T
Mobility
(Signature) (Date) (Buyer's Signature) (Date)

New Cingular Wireless PCS, LLC d/b/a AT&T Mobility Page 5