 					<billing_info>
 						<address1>#{address.address1}</address1>
 						<address2 nil="nil">#{address.address2}</address2>
-						<city>#{address.city}</city>
-						<state>#{address.state}</state>
-						<zip>#{address.zip}</zip>
+						<city>#{address.city || ''}</city>
+						<state>#{address.state || ''}</state>
+						<zip>#{address.zip || ''}</zip>
 						<country>#{address.country}</country>
 					</billing_info>
 					"""

					)

				, (result, next) ->  # create account
					if !result.userExists
						logger.log {user_id: user._id, recurly_token_id}, "user already exists in recurly"
						return next(null, result)
					logger.log {user_id: user._id, recurly_token_id}, "creating user in recurly"

						<address>
							<address1>#{address.address1}</address1>
							<address2>#{address.address2}</address2>
							<city>#{address.city || ''}</city>
							<state>#{address.state || ''}</state>
							<zip>#{address.zip || ''}</zip>
							<country>#{address.country}</country>
						</address>
					</account>
