*THIS DOCUMENT IS OUT OF DATE*
-Andrew P N J Moffit, CEO, June 17 2004.

--Terms of Service for AndrewBank, Updated Mar 19/03--

AndrewBank provides Intra-Day Loans, Paycheque advances, general loans on rare occasions 
and convenience short-term loans.

--Fees--
2.5% of the entire amount of the loan will be charged at the time the loan is taken. Also 
further charges will apply if 30 days (two paydays worth) have passed with no payment. 

Non-Payment Charges:
A non payment charge of 2.5% of your entire outstanding balance will be applied every 30 
days that no balance is paid.

AndrewBank AMEX Cards:
interest will accrue after the recipient's payday if the entire balance isn't paid off. 
(2.5% of the entire outstanding AMEX balance). 

Some situations exist where customers have alternate fee schedules or grandfather clauses 
from days gone by.

--Disclaimers--
AndrewBank reserves the right to refuse any loan/advance request, based on but not limited
to AndrewBank's capital reserves and/or the creditworthiness of the client.
 
AndrewBank reserves the right to unofficially gauge the credit worthiness of all its 
potential customers before any transactions.

AndrewBank reserves the right to act as financial advisor, for any clients of AndrewBank.
 
AndrewBank reserves the right to ammend these terms with notice to the client.
 
--Methods of Repayment--
Many methods exist to repay AndrewBank.
-If you have internet banking of any sort, it can be done (simply add one of AndrewBank's 
credit cards to your list of payees and pay, remembering to email the confirmation number 
for AndrewBank's records)
-If you have a royalbank account with online banking, you can simply goto the pay bills 
section and pay 'Another Client of Royal Bank', email me for account numbers
-Cash (no change please, unless under $20)
-Cheque
-Post-Dated Cheque
-MoneyOrder

--Limit Policies--
AndrewBank reserves the right to place a limit on your borrowing, of 
whatever we deem appropriate. A soft limit is a limit that you 
shouldn't exceed, your hard limit is a limit that if you exceed it
we cannot loan you anymore and will be forced to freeze your account, 
this applies to AndrewBank credit cards as well.

andrewbank1234@mail.andrewcorp.com