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JOEL STEINMAN, ESQUIRE
Attorney 1.0. #62042
MELVYN S MANTZ & ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK
Plaintiff
I HEREBY CERTIFY THAT THE WITHIN
IS A TRUE AND CORRECT COPY OF
~ t:).HE ORIG~FIL~
~ .{.-
, JOEL STEINMAN
ATTORNEY FOR PI.ANTIFF
'I
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
VS
Defendant
NO. q7-591/;< ~~
JAY R. ETTER
NOT I C E
You have been sued in Court. If you wish to defend against
the claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are
served, by entering a written appearance personally or by an
attorney and filing in writing with the Court your defenses or
objections to the claims set forth against you. You are warned
that if you fail to do so, the case may proceed without you and a
judgment may be entered against you by the Court without further
notice for any money claimed in the Complaint or for other claims
or relief requested by the Plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FINO OUT WHERE YOU Ck~ GET LEGAL HELP.
Court Administrator
Fourth Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
$5,278.72, no part of which has been paid.
6. Notwithstanding the frequent demands by Plaintiff for
payment of the amount due, there has been a failure and refusal
by the Defendant to pay the same or any part thereof.
7. In accordance with the terms of Exhibit "B", Defendant
agreed to pay the Plaintiff a finance charge on all sums due at
an annual percentage rate of 21.90% and Plaintiff is entitled to
additional finance charges from 05 JUN 1997.
B. In accordance with the terms of Exhibit "B", Defendant
agreed to pay to Plaintiff a reasonable attorney's fee if the
account was referred to an attorney for collection, and plaintiff
will incur an attorney's fee in the amount of $1,055.00.
WHEREFORE,
in the sum of
attorney's fees
of this action.
Plaintiff demands judgment against the
$5,278.72 plus interest from 05 JUN
of $1,055.00 for a total of $6,333.72
Defendant
1997 plus
and costs
M
Z & ASSOCIATES, P.C.
-"'''.
UIRE
PURSUANT TO THE FAIR DEBT COLLECTION
REQUIRED THAT WE STATE THE FOLLOWING TO YOU:
TO COLLECT A DEBT. ANY INFORMATION OBTAINED
PURPOSE.
PRACTICES ACT, IT IS
THIS IS AN ATTEMPT
WILL BE USED FOR THAT
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FROM MPlHZ & ASSOC.
TEL: 215 348 4015
AUG. 5,1997 1:20 PM PI3
STATE OF CALIFORNIA
COUNTY OF ALAMEDA
Catherine H. P1ckover, states that she 1s the Operations
officer of First Deposit National Bank and is authori~ed to take
this affidavit on its behalf and that the facts set forth in the
toregoing complaint are true and correct to the best of her
information, knowledgo and uelief; that there is now due and owing
from Jay R. Sttar the sum of $5.27B.72 plus interest and attorney
fees; and that there are no deductions or offsets of any kj,nd,
except as are
therein specified
and credited.
She further
understands that false statements made herein are subject to the
penalties of 18
Pa.C.S. Section
4904, relating
to unsworn
falsification to authorities.
~~
CATHERINE PICKOVER. OPERATIONS OFFICER
4428230472926616
iij~ PROVI DIAN
YUIII,."",
PLAINTIFF'S
EXHIBIT
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PrO~ldi.n HIltOn,/ Sink VISA' Accounl
account AO'ttmlflt lor J'r REller
You, Prawtdian NlhO"" 81nk VISA Of VISA Gold ICtOUnl tlh. "Account",doWI you 10 milt, pu'thu.. by uSll1g you' VISA (I,d lIh. .e'fd"1 wh.,YII il it honored ,nd 10 gll cull ,dune.. from II
Of any olhff "ttllC19'llfl9'''lInc~ tnllllullon, ClUlYlf\llllCl cht(kl/nll .bo bt plovllled 10 you II ~n .ddlllOn.1 WI' 10 \I" Ih, ACCDutll. In IhIIA;r""*,,I. .you. and .you,. ~,n tleh p.non 10' '#rho!
WI h... OPined I ,,1dI1 uld Account .Wr: .01.1': .oun: '(Ic! .UI ~.n P'ovld.,n NIlIan.1 B.ok, Of III lI&lgn.... II Ilutd on yOUl blitinQ Il.llmlfll. You may not b. IliQlbll 101 In Accounlll yo
Of .~. 01 yOu' houWlOId ......dy hlY" mdlllCcoun! Wllh hI! O'PO&l1 NtllOn.1 a.nk 01 Pro.KlII" N'!IQIl,1 S.nk. Th. Accaunl may b. uud only IOf plfson.l. I.""" houSthold, lOci Ch.lllabl
pulpOHS. .nd nol lor lilY bUIIII'U Of cOfTllWlel1l pUlpOH. rou .nd !'W' .~,,, II lolloWI:
',tel.l ".qulr""."t .f ltll, A~count: CIHII R,vlIW PraQllm. In a,dlllO kltP yout ACClIunl '" good Illllding, ,au ''11'" nallO ine"". Ih. .moulnl.II" .ny b.l.nce n.nst.. hlY' blln ClIIf1lIIIi1
o yoUl 10lal dlDI on unaeculed rholYllg Cltel111CcoU1l1l wllh allllf ItndlfJ wllhoul OUl .ulhof1l.lIon. W. wlM "VIIW ,Ollt ~,tdll ,l(oldJ plOCIdlCllty .nd CGllIICI 'aU II w. blllln ,au '11 nOI mUM
Ih.1I ~1CI11 'IQUfWTWlIL
,iym'''II. 'ou!'W. 'IC''''' I lTGnlhl, l"Itn'4fl1 showlI'I'll yOUf OUUI.nding balanu. 'au '111I11 p" UI in U,S. doUllIlchKh ITUIl b. p.,.bl. .1. U.S. olliel ollh, b.ni Ih. ChKk II dllwn onllllul
Ih. PI,"*,I 6uI II shown on ,aUf 1I.ltmtnl by Ih. P"1TlIfI1 du. d.lllIlCeoldanel Wllh p'YlfllfllflslluCllons on ,out lTGnlhly 1111..,1. You INY nOl ullyour conYlflitnu chICks 10 INk. rl,"",,1
on you' A"ounl Of 10 INk. p.y/NlllJ on any olh't .ccounl you hu. !'Wllh us ,01 au' .1l~'"1. Jh. ".,"*,1 dUI will b.: 2' Ollh. nlw b,l.nushown on your sl.11fTWfl1 plu. Ihl amounl 0 .n, p,!
du, ,.,"*,1. rllJ Ih. lIf'Gunt by when Ihl new b.l.nu IIcltcb you' crteliIM.. pkll IHI 101 CIfI.1I1 opllonalllfYlCIL HOWhlf. Ih. p'lymenl due W1I nOI bt Itu Ihan 115 lunllls ,our new b.lanc
IS Itu Ih.n I 5. II whl(h ClII Ih. p.,,...1 due will b. Ih. ,lTI)unl 01 Ih. n.w bll.nc.!. W. may 'IQUf' I hl\1hll ITIIImsm p.,I..,..111 YOUl Accounl i. pllt due or Iboulh, ClHII lanl. but W. w,
ROuly ,IKI b.lo" dOlfi' 10. It ,out p.y,,*,11I mort Ih.n Ih. p.ymtnl du.. II '111I11 b. 1".I.d .. I Jlnljllt PlYmllll .nd nonl 01 II wll b. .pp~td to lulut. payllWlU du.. WI IT'IIY ICc,,1 III. or PIIII,
p.ymlllll. Of p.ymenU INlktd -paid II luU' 0' fl'II.ktd wllh alh., rllllltllonl. wtlhoUllolUlljl OUl r'9hllO col"l aM 'IT'GunU 0'111I11'I'11 undtt IhiJ AQ"...."I.
flune. Ch"ln. EIt"I," dlStntltd in Ih. GrtCl ,.rid for 'ur~hall' IIClion of Ihi. Agr..,..,l. lilanu charljllS b~in to acm. on I dIGit whIR il il included in on. of yOUl dally b.l.nus an
ConlflU, unllllh.1 bllanUIS ,tduCld b, 'p.ymtnl 01 CII011. Yout ICcounl hu Ih'H d.~y bll.ncu: Ih, Pulchu. B.i.nc" whICh Cl)l1l1ll1 01 PUfth..lIlO" mlkt Wllh yOUf Clld; Ih. CUllom Cun Adv.nc
B.IJlnCl. whICh C4nIlSIlIlI unIKUltd CIIchl card bll.nCII Ih'l YGU tr.nslll 10 your Accounl uSlllg b.llnCllllnJl. ChKIlJ and ballnCII Ih.t w. U.nl .101 you dutlnQ thl ICcounl op'lIInQ PIOClII; an
ffii. AdunCl B,'.nc wtId ~onlull 01 d olh.. cash ,dYlncII, Any p.ymtnl amount WI 'KtfVllh.1 ..u,ds Ih"lfl,nu ch.,gII and "ll Ihen du. w. lint flduCllh, 'lmIfllflg Putthu. B,'.nCl
.nd I tn. I I . .If .lItIu i, '.0. ri ,tdUCllh"IITI&II'IfIQ Cumm C.sh Adv.nu B.lInu. IlId lhtn, illh. CUllOm C.sh Adv,nc. B.lInu i, IlfO. ri,tduct thl Itmlilint Cuh Adnnu Bal,nCI
Th. PuI~hlll, CUllom CIIII Actvanc.. .nd Cun AdunCl B.lanclI "' rtdueed by p,y",*,1I II 01 Ih, dallllCllY.d. .nd by "ldilllucIP"Ol '''lfsal. ollal'. o'.'lmt. .nd m.nltnlOu, ~hllg'll.
of 1111 dll. poSIH. Pureh.se,," lI't,ludld in you, Putthase B,I.nClI1 Ollhl d.IIINd.. CUllom cull .dYlne.. .11 included in yOUl CUllom CIsh Adr.nu 8,'.nctll, 10Jowa: lund. t1"UonjCl~\
UtnsmllN 10 olh. )end.s 10 trans'. b.lanu.. .1 01 Ih. dal. ulnl/llll.d; ChICks 10 Ulns'" b.lanClS II ollh. d.l. plUlI\ltd 10 UL Olh. cash .dvanCII ar, included In your C.sh Advlllu B.I.nc
II 'Glowa: cuh advancn hom olhlf lil.nelll inllllutlons .nd I"'ough Aulomaltd T....s, .1 ollhff d.11 mad.; lund. t1Kllonic.1y IIanUTIlltd, II ollh. d.l. U.nsmlltd; cash Idunu chlCi. mad,
,.yiblt 10 you Ih.llI, Iderullitd 11 cash.....J chtcks Ihll w. mall 10 you" YOUf tlQUIII, IS 01 linn daIS allll Ihl dal. w, p,inl on Ih. ChKk; II olhlt ChKh. including ~onvenltnCl chICk.. U 0
It\, dal. prntnlld 10 Ul. Olhlt dtbil1l.lcepllor Iall. oVllliml. fin.net, .nd mKtll.nIOU' Chllglll"l inc udld 10 your Putth.lt. Cuslom Cllh Adnnu. or C.sh Adv.nCl aal.nulI ollh. d'I' pOlitiS
Finll'lu chllljlll "' .dded 10 yOUl Purdl.se. CUllom Cllh Adv.nu. and Cuh Adv.nea O.I.nel1 IIch d., .nd '" lh.n palled on Ih.11I1 d.y at Ih. billing ,yclt. Thll. j, no plliod wilhin Which CUllot
Clsh .dYlnclI 01 olh. CII" Id,ancn "", b. ,,,,lid Wllhout incuning I lil.net chllg'.
To fig"l Ih, d.rty lin,nu chllg. for putth"... Ih. d.dy lin.nu ch,'g. 101 CUllom Clsh .dunelS. .nd IhI d.~y linanu Chllgl lor olh" Clsh .dvlllc... w. .t.n wilh yaut pllYioul d'Y'1 Pu,dIlI
B.lancl, Cuslom C.sh Ad'lIlu a.l.nu. .nd C.sh Adunu O'lanct. .dd II d.biu Ind subu.ellU tltdllS 101 Ih, cUllenl dlY to Ih. .pplic.blt B.llnetlu 'Ipllined In Ih, p.lIgllpll ,bov.l.nd ITlIllIpl
Ih. n.lllTGunl by Ih, ,ppic,blt d.rty p.lQdic rll.ls" 10lowII1g p'''ljIr.phll. Th' fln.nn Chllgl'Of PU,dIlIlI is Ih.n Iddtd 10 Ind IIKkldld in Ihll diY" P\tch... O.I.n(l, Ihllin.nu dlllg.lar CUllor
ush 'hanus is Ih'" .ddad 10 ,nd inwdtd in Ih.t day's CUllom Clsh AdnllU B.I.nct. .nd Ih. .lin.net chalgllor olh" cash .dv&ncII is Ihenlddld 10 and ineludtd in Ih.1 day'. C.sh Adv.nCl 8alancI
W. unl I eledit bll.nulor .n, d.y II llfO. W. d.llIlTln. Ih. 10"/ hn.nu ChllQII 101 Ih. billing eyela by .dding 10g.lh" Ih. lin.nu chllgl lor pureh'slS for IIch day wllhin Ih. btllng cyei.. Ih
lin"". chargl lor ,u.lom Clsh .d,."ell lor IIch d.y wllhKl Ih. blling cyell. Ind Ih, lin.nea chllg. lot Olhlt tuh .dunCII lor IIch dlY wilhin Ih. bllltg eycl.. In etleul'llOg lin,nu ch"~IJ. ·
IdlU'U',,"1 wlll bl ""d. 101 any Ir.nSlellOn or P'Y"*II Ihal would hlVI .IIKltd Ih.lin.net eh.fg. "leu/.lion in . pllOI blling cyel. h.d it b"" pallid in Ihll eyclt. Th, .ppbe.bll d.iIy plflDdle III.
lor sud! . 'ranSIChon w. b. Ihl "I. II IlItet lor Ihl eunanl billing c,cll IIlh.. Ihan Ih, lall in .IIKl on Ih. d.1I ollh. lI.nUCllon. Th, b.llnu.mounll shown an your SI.IIII*lIINy dlll" lion
Ih, Purch.1I, Cuslam Cash Adrann. .nd Cull AdvanCl Bal.nus ulld in COfT'4lUling llI1.nCl chllg... bKauII Ih. PulCh,". Cuslom Cuh Advenc.. .nd Cull Ad,anet Blltnell do not inelud. any lall
0'. ,hi. or mscell.ntouI Chllgll whl(h .11 included In Ih. b,l.nus shawn on your SI.ltmIf1t.
Thilli'm -PTVTW A.I.- II used in Ihi. Aglltn'Wl'\llNanS Ih. hl\1hllt pIn 1111 published in rl/, W4' S"", J~UlnM an Ihl liut busM\1U day ollh. p,nious Clltfldlt manlh. Any in,,"se or dlClIUI
in Ih, APR w. I.kl .IIKI on Ih. lifl! d.y 01 yOUl billing (Vel' and may 11101111'I . s1ighl incrllSlar dlClIlIllI'I Ih, .mount 01 yOUl mnllT'Llm p,y"*'l.
SllIting in YOUf Jun. 1996 baling cycl.. yauI ANNUAL PERCENTAGE AATE rAPR'" 101 pulthu.. '111I111 VIIY .nd may b..djusltd tlch billing cycl, up 10 7.35"" .bov. Plj~ RIl'. bul wll in no IVtn
blleSllh.n 15.60\. UllIlg Ihlllotr1'lJ1I. Ih. APA In Ih. Jun. 1996 bdlll1g cycl. wouks b. 15.60\. cO"lspandlllg 10 I d'lly ptriodic "" 01 0.04274%.
SI.ning in your Jun. 1996 blling cyel.. your ANNUAL PERCENTAGE RATE rAPA-I.IOf eul10mcllh IdYlnc.. wll WIlY .nd, may b. .d~1l1d IIch biling cycl, up to 1.65" .bon Pr~ R.I.. but !'Wi!
lR no lVenl b, Itu Ih.n 15.90\. UlNlg Ihll IOll1'll1.. Ih, "PR III Ih. Jun. 1996 bllknQ ~yell would bl 15.90\. tonupondln'lllO I d.iIy ptriodic III. 01 0.D4J56\.
Tilt AIIINUAL PERCENTAGE RATE rAPR""Of ush ad"ncu i. 21.90'\. COflU90ndinQ 10 I dliy periodic III. 010.06000%.
W. ""'v. Ih. 'i9I\110 chang. 11'1. .nnu.1 pIICtnlaYI III. U!cullllons il you do nol CO/l'4lly wllh Ihi. Aglltmlnl.
To d.I.1TIn1 Ih, "..g. d.iy b,l.nu shown on your \1111"*11 lor putth'"" .dd lIeh d'y'J Purch," aal.:\u !including daily lin.nu chllg.) in 11'11 blilillg cyel. .nd divide by Ih. nunt.. 01 d.YI if
thl bling ,yclt. To dlt.1JIIl1 11'1, ""''III ddy b.l.nCl shown on you' Slll~nllOl cullom Clsh .dv.ncu. add uch d'y's CUllom Clsh Adv.nu B.I.nct "'eluding dldy lin,nct eh",11 in the blllllll
Cyclt IfId dmd. by Ih. nwrb" 01 dlYlll1lh. blllin'll t'tell. To dlllmin. .Iht 'VII'gl d.d, bal,nushown on your 11.11ITIIf11 lor ush .dun".. .dd ta,h day', Cash ldunCl B,'.nCllineiudin'll, dad'
m.n" ehllg.lllllhl b.." cyclt ,nd divid. by Ih. nuntll 01 d.,llI1lh. b~lln, cyel.. You can ITtilltply tach ollhu. ,vII.g. d.iIy bllInc" by Ih. nuntll 01 d.y. in Ih. biUIO'll cyel. .nd b, Ih. .pplicabl,
liMy p.lOdic 111111 obt.lI'l subtol.ls, and Ihtn add Ih, ItII" Jl.lbIOl.1J IOgtlhlf 10 d.I,,","' Ih. 101.lllTGunt 01 your hnlllu thl1gu lor Ih. bliinQ cydl.
Gtlce P.,i,d ,,, hrchlln. NIW purChlll1 pallid 10 youl Accounl in blling cyclll wfltn Ih. pllvious hl.~. WII t.o, Of whllllh. p"viou. b.l.nu .11 lulIy plid dumQ Ih. cyell. do not b.glf
10 mur ,'inlnet ,hlti' Ufllll!h. .I.n 01 Ih. nut billing cycl.. You can 'VOid .ny hn.nu chltg. on lOch n.w PUlth.HS il you p,y Ih. tolal n,w b.lInu in Iul by lhe paymlln du. d.11 shoYwn.ol
your slllllNftl. HIW PUl'dlu,s pomd lI't ."y olhll b~llng cycl.muf Ilin.nu chllg. 110m Ih. d.l. Ih. pUfChu, WII INdl.nd Ih..1 il ~ p.nod n which IUch PUrchlsel mlY ~. rl(\.id Wllhout inCUIIIIl!
. lin'flu thlfg.. Th.. I' no plllOd 111 whith cullom Clsh .d,.ncII 01 olh., ush .dunclIlTlly b. ''9.id Wllhout incuninQ . III1.nu chllgl,
FHI. W... d'lIItI your Account up 10118101: lIeh C.ld you Ilk ullo flpl.u: IIch Illumed p.ylNfll ChKk;.lIeh chtek. you wril' on your Accounllh.1 'W. ftlUln unp.id; IIch 1I0P p.ymenl, Old,
01 'InNII of tilth... Old..: ."h bliling cycll wllhln whICh your AecounllS dtlinqutrll nil. chllg.l: .nd IIch billing cycla wllh", which yOUI' b.lanctllutds your cl.dil 00.. If you 'tqUIII COpltS 0
blllint 11.1",.1. t"'l w.. Iwll JII1lla you 1m" Ihln IIv" II1)nlhs "'~", w. INY chllg. I h.ndling '" 01 U lor tach lUeh cop"
~f.uIL You wtl b. in del.ull: if you W.~ nol eliglbl. lor Ih.Accounl allh, limt it 'Wit opened; il you Id 10 tolf1lly wilh Iny p"l ollhi. Ag'nmtnl: if .ny inlollnltion you gn. UI plOv" 10 b
mon1)llll a' 11Ist; !lOon your dlllh. "'nk,uple,. or 1flIOIvIllCY: II you la~ 10 pay olh., dtbll whlll du.: II . b.nk,uplCy p.luion is hlld by or .,.inSI you; or il w. bn.v' in good lallh Ih.1 you ma~
nOI ply Of p.form ,OLU obliQ.llonsundarlhl.A9I.1fTWfl1. all your d"eult w. ""y. wllhoul fUllhlf dllTllnd or nollu. unell your c"thl pli'~IQ's, daclll' ,0Ul Account blllnCl imntdlllfly due .nd pl,abll
.nd invoh .ny ,tnWdy .. mlY hn.. In Ih. IVlllt 01 you' delalllt. Ih. oUISllndlllg bal.nCl on ,ou' AeeounllhaM tonllllUI 10 ICCtu. inl...l IIlhl APRld dildoud lR 11'1. finlnet Ch.".. IICtlon 0
Ihll AQlrtmIIIl. IVIIII' w. h,,, sutel you 10 COIKt Ihl .mounl 'au OWl.
C,,4ft Unto lour ut6il kit is IIlICil. Ifom In 10 Inw II . 11II"'11 naliu. WI INy inC"11I Of d""," your cledillinl blsed on inlormllion w. obl.i\td from. you or ,our credil IKOId.. Your
'\llllttNt "ldn 1.l\OImlly the drU..",u btlwten YOUf ctldillin. .nd ,auI Account b.l.net (lI1eludinQ tr.nuclll~ns INd. or .UlhOIllId bUI nol y.1 pOIlId). For ClIl.1I1 cash "v.nus, ,u~.blt tltdl
ny b. Itu. lou w. nOI Ulol your Account lor. .nd w. may r.lulI 10 hanOl. .ny tr.nSleUon whICh would UUH you 10 'Iettd your .....blt Cltdit
,~" t. PlY. You plO1l'lIl 10 p,y us when due alllT'Gunll bonowtd Yfhen you Of IDrTlIOn. till UII YIM Account lhm II Ih. .mlunl chllgld lIeteds your p"msSlGfll. .1 OIhllll.nSlclion..Rl
ch"1fl '.0 you' Accounl. and coltehon COlli W,IIICUf II1cludlllg. bul nollimlld 10. IIlS0n.blt alloln.{.I". .nd (Gull COlli. III you WVllh. lUll. w..". p.y your ".sonlbl. 'llorn'Y'II". .nd tou'
cosll.l
Chanta. w. IN, chang. .ny pllt of lhis Aglument 01 add lU 'emou 'tqulI'"*I1I .lltr nollC. II rtquirld by I.w. II w. ching. Ih. Finenu ChllQIS Helion 01 (hi. Agrnnwnl. Ih. nn linlnct cllllgc
CticlKtllOfl WlllIIlPIy 10 your wfloll Ae(Qunl hl."u ham Ih. .IIKltvI dll. ollh, ch.ng.. wh.lhtr or nollh. b.I,nulllclud.. lllfT\l poslld 10 your Accounl b.lo" Ih, ch.n;. d.l. .nd wh.lh. or no
you conll'lu,lO uselh, Acuunl.
Folli,,, uclllnt.lCu"lncy Conv.nion. II ,ou u!t ,~UI C.,d 101 IIJnnCllllns in . CUIlIfl(1 olhll Ihln U S. doUm. 11'1. IlInSlclianl will b. conVlUId 10 U.S. dohr.. QII'III.ly UJin' tilh" · ~
govlIMlll'lI mandlltd 1111 ~ lAl whol....I. rT\I.hllll. III .IlKllhl d., b"ofllhl IlInlltllOn plouumg d.ll. InCllu.d by on. pnCtnl IPII,I. II. tltelll is wbSlqutnlly 91v," 10' I 11anl,,,IIO". it wtl
b. dlC"utd by on. IIlftlfll j]l\l IIlh. CI,dll hn. d.llll"en1llfOClUlnQ d,lII. Ih.n Ih. tlch.ng' "I. ollh. crldll can b. g'"ltlI1,n Ihln 111.1 ollht ollgll1ll trlnSlCllOn. Th, CUlltncy conVlfllGl
1111 on lh. day b.,OI. 11\. Ir,nSIChon lI'OCllSlflg d.l. rrwy dllltl' !rom Ih, '011'111 ,1I.tI .llh, III", 01 11'1. IIInucllon 0' on the d.11 Ih, IranSltllon IS poslld on you' Account. You ,,'11 10 ICC~
Ih. caovlflld ,mounllll U,S. dollllS,
Th. C.rd: C,null.dan. '(ou ""lIIl1lurn In, C,lId 10 us " GUI "quill. ThI C..d '1IIlflS .1 Ih, ,nd 01111. monlh VlOWO on II. W. h,wI the 119h! not 10 rmlw lh, C..d. AI Illy IJIllI ,I1H II lUll
10 dlrl nallu 10 you, or Wl\hQul nOllc..f Plfffllltd by I,w, w, INy c.nelllh. C.rd .nd your (I.d., pmtlll]lI. II YOUf e"d II unuUtO 01 nOI ren,wld. linin" ,lIlIgu tnd ollllf I,.. will unlltlu.
10 b. .u,.Md, p.yrt'llflll will conllflU' 10 b. dUI. ,nd IN Olnff '"IlIie.bl, II'QVIIlQfI, ollhll Aq"lmtfll "'IU Itmilll III ,lItel. You IN'; c.nu. your trtd.1 pllV~tlJtt by nOlllY1fl!i UI III Wlll1f19. ItIUfnlllq
lh. C.,dbl !o UI tul 1fI h.ll, .nd P'YIl1!i your, 11I111" U.ltmlfll b,l,nu by ,h, p.ymtnl dUI d.11 on th, IIIt.~1 which IIIcludu YOUf flll,l purchlS... tuh tdv.nclI. d'"gu. and IHI. YOUl Cltd.l
PII\'1ll~1I w. b. unulled .nd no .dd1lIOn.1 hn.nu ch.rgll '/lid! b. 1lT1l0sld, II w. unClI 01 do nol ren.w Ih. C.td. 01 II ,ou Ilunnfl. ,0Ul Cltdll P(IY~'9t1. you INY no Ion~1f .tll' chICks on yOul
Acco",n, .nd 'au should d.Uro, .n, unused ChICkl w. hut Iuuld 10 'au,
Peno,nlllftfolmuJon; Docum.ntl. You will glYI u. .II"U 10 d.,. nOll(lll,ou ch.n~. ,out n.~. ho"" or INdang .ddltu. felephon. nunt.n. Of lOb, you.... pI~11y QI1' ut II1ICl'INIlGn .boul
rOUf lIn.nclll.U.1t111 'III' ullol It W. IN, 911 such 1I110fIT'IIIlOn ham oth.fJ.. UlcJudmg CltdllltpOllIng IglnCIII. Ind prowld' yOur .ddlt" Ind 1I110llY\lllOn .bllul youl Attounllo olh"s. W, mly .lloO
Ill... such ltllormallon with OUf .11I1i.ln II yOU I.~ fa lulllit .ny 01 yout obbg.lionlundlf Ihll AglI.mtnl, . n.g'I''1' tltdll IIpOlt IfUeclltlg on ,aUf ",dll "cold IT\IY b, submlltd 10 Ctldll IIPOflltlg
'glnCIIS.
CUltom't Strvlcr. Un.u!ho,b.d Un. Loti. 01 Th,'t 01 ChICks or th. C.rd. hch C.rd lTI.IsI b. ~nld on IICf:lP1. You....1I Ulll]ulfd Ih, Clld. YOUfSI"on.1 idlrwliclhon nunter lwhlCh pro'lldll
KClU III AUIDmaled TIU" Mlch."lIl. .nd .ny chlCk'lssuld 10 you from thlll. You wlll h.O your plI'wn.1 idll1llllUllon nunter Mplfll' Itom your elf ' 1I10U dIKO'l" Of SUSPlCllh.llh. C.rd at
any unulld chICh "' Iou 0' Iloltn. 01 Ih.llh". INY bt.n un,ulhCl'lled Ir.nucllon on you' Accounl. yOU w.. nOllty us plOrr,lly by 111.phonltlg 1.800.933. 221. You..... phon.. IVen though you
lNy noul., ut an WfIIItlQ. IG w. un Uf '.1110 1im11011l1.nd h.blhty. YOUI b.b"'ty lor un,UlhlJIIltd UI. Occulflll9 b,'or. yOU no Illy U. II IurIltd 10 150. II 'au r19011 Of "'SUSPlCt unJulholutd us.
01 yOUl ACCOlU\I. w. may IUspend yOUf cltdll P"y1It9U un'~ w. "sol" Ih. ploblem to our slfld.cllon or ISSUt yOU' n.w Clld. II yOUf C..d II Iou 0' Ilollft. you ..... prOlT'flly dUIIOY II check. 111
your pOU.lflon. To IITCItOYl CUllomtf IIf'ftct .nd IICUtlly. you '9".lh.1 ,OUI C.ul mty bt mollllOled or rtco.d.d.
Mttchut R.I,IlIA'. W. WII nol bt b.b1. il.ny plfwn 0' AUIOlNltd Tell., "'"hll1' t.IUIII 10 hono. Ih. Clfd or It''pl YOUI enKkL at I'~I 10 "Iurn Ih. Clld 10 you, W, hlY. no IIS1lonllbliily 101
;oodl .nd SlNlCII purch.std wllh Ih. Clrd llf. ChKkl 'IC'PI II leqUlted by I.w. IS.. SplCl.1 Rult b.low,l Cllt,ln ban"lll Ih,t ,r, ,nd.bl. Willi Ih. Accounl'" plo'lldtd by Ihlldpltly .,.,dou.
Wt III nOI 11l4Ion..llloI Ih. QU'~ly. I.,,~.bdily. 01 IUUIIl 01 .ny ollh. ""'Ietl you chooll 10 UII.
Stop 'Iym.nl O,d.t.. If you wish 10 'IOP P'."*lI on I ChICk, you mtY SInd UI . SlOp p.ymenl ordtt by wming 10 1.11 .1 our .ddftu 10' cunotnll' ..,.,iceIiSlld on your bl. You can mal' . IIOp
plymenl Old" ol.ly b, ceiling Ih, nunG., ~Slld on youI Illltmlf\l, When you make . 110p p'yIDInT ordlf, you tRIll plowld, yOUf AccolUll nunter .nd spltl"C II1lor""llon Iboullh. chICk: Ih. IUeI
tmQunl. Ih. dll' on Ih. chICk. Ih. nlml of Ih. pllly 10 whom It WII p.y.blt, Ih, n.me 01 Ih, plflOIl who IIgned It. Ind th. check numblf. You wiU b. uktd 10 conlitm In oral stop p.ymen Old..
in wflllng. W. may dill~lfd ,our 0111 ord. il w. do not IICIlW' . >>9n,d wrllItn conhrmtllon wllhlll Iwo wnh .11. ItIt oral Older or II you hl'l' nol .dlqulft!y d.Stllbtd Ih. lltm w Ihll p.ymenl
nn bl .IOpptd b, OUf eOtT1)ullt. Th. Ofd., 'NilI nOlb. '''ICtIY' llthl chtek WIS p'ld by us b.lo" w. h.d. lI.sonlbl. OPPofluMy 10 Itt on In. Old". W. may. Wllhoul hlb.lY. diSltglld. wflllen
IIOp P'YlNnl Old. III ~nlhl III. IlCllpf unl.u It I' Itn'Wed III Willing.
SIJAdlld a' C,". Beclultlhit Accounl ifwolYl' bolh credil cald .nd check lranlluions which," proClsstd Ihrough SIOII.1I nlfionlllYll1fllS b,'ol.Ih,llInl.tliM.If. conlGlldlftd by UL Ind blt.us.
nOI I"'Y chICk Ind Clrd slip '11I11I b. Stnl 10 us, IIInSl(lIOnl1ll ,our Accounl WId b. p/ocflled ~ch.nlcaUy Wllhout OUI nKlSutliy I'WI,wlflg "If' 111m Our!'OCISSUl9 sysl,," w. cd OUl IlIenllOn
10 elfllm iltmJ whICh w. wlf .umn.. W. wIM u.fT'Itl,.N lI.nSlClIOn. wh"lyou IIpon thai youI elld at chec~1 h." bien 1011 orllolM. WI do nolmlen Oldllllllly 10.u","..M 1l1l'lU. Ind w.
wIM nOI b. n~~genlll w. do nol do 10. Thll rul. .mb~shn Ih. IIIndlld 01 oldlnllY ClII which w. in good "llh will rUfcllt1ft.drrinllllflflg your Account. BIC.uSt 01 our lirnlld "Vltw, II\d blC.uSl
n.thlt ,aUf Clnetled checklno' Clld ff.nSteUOn ~I WIN b. IIlulnld 10,YOU wlth Ih. monlhly U.llmefll, ,01.1 should b. ellllyllO "llff'~ eheckslAYOUf ChKk "911111 or olhltwlSl kttp. tlCord
Ollhlll\. '(au shoulcl.11O Ity, yOUf cltdil eltd ClUJ Idvtnultld purchu. slipl. '(ou IgII' 10 chICk your monthly JflllfTllnU 'g.1ftJf youI IICOld 'nd 10 nOllly us pfOll1lll, ol.ny un,ulhOlUtd U3nUtllOns
OllllOlS.
Wllv.t of Clftlln Rights. W. INIY dtlty at w',i'l'lfllorCImIIII ollnY plowision Ollhi. Agtetmllll wilhoulloling out IIghllO enlolC' il at .ny othll p,oyision 11I1t. You w.i,,: Ihl 'iQhlla pltSlftI,,*I.
dlmlnd. plolllt. or noun 01 dishonor; .n, Ipplic.bll sl.lull 01 nl.llons: Ind .ny Ilghl 'au Ny hn. 10 "QUill us to ptoClld .glmst .nyon. bllor. w. su. you.
Appllubl.l.w: StvlI.bUlIy: Aullnm.nt No mailer whlf' 'OU ~". Ihil,Agt'lf1'IfI1llnd YOUI Accounl '1' gO'lllned by ledl"l I.w .nd by Nlw HltT1Jw.IIW.Alltly IlIT. 1111t w. d.llnT'in. in
good 111th Ihll.ny PIOPOltd or Inltltd Itglsl'lior,. t.gullloty "lion, or ~dlclll dlClllon hn lendlled or lTlIy render .n, INIIIIII prO'tlllon ollhll Agfltmtnl II1vtlid or unll1lotcllbll, at 1fT1J0Sl .ny
IIlCflUtd III. .tpotllng Ilquilll'TWll. or olhlf bUlden 1ft connlCllon wllh 'ny such ploWlllon Of 1111fl101Ctmtll1.W' ma,. alllf 11110111 30 d.,s notlC' 10 you. or Wllhoul notltlll Pfflfllfed by Jaw, canCd
Ih. Clld Ind roul Cluil priv~1Q1I Ind dtcllf' ycu' Accounl b.l.nce Irrrrfii.ltly dUI Ind p.,.bl.. II Iny plOWlllon 01 thll AgllflTllnl il held 10 b. Ifl'llW Of unenlofl:"blt. 'au .nd w. will consMi., Ihll
plO.,iSlOn modIfied 10 conlorm 10 .pplie.bl. I... IIId 'hi lul ollh. plowiSlonl If! Ihe Aglt.lr4nl WID Sldl b. .nIOlCubl., bul w, will hlv' Ih. IIghl 10 tinct! YOUf Accounl .nd dlCllI' ,QUI b.fllltl
~~ du.. II ~ro'lidtd in Ih. Pl.ctdlllg senltnu. WI INY IIInller or IIlIgn our Ilghllo aD or some 01 yOUl plyrrllOU. II 11.11 t,w "qUlrlS Ih'l 'au IICII'I' nOIlCt 01 $lIch In ''1111110 prolm
Ih. ~~.0>Of 'UHJnll. w. IN, giYl you such nollce by "holt I lin.ncing IlIltment wlth the lIall'l S.CltlJty 01 51111.
NOIJC~~~U,lo you shill b. .Il.cliv. when d.posilld in 11'l. mid Iddreuld 10 'au allhl addtlss shown on our "COlds. unllSS . longer nOlice pltiod il splCilild in Ihil Agrttmtnl or b~ IJw.
which Plt~~~)l uP,on fT'IIiling. NOIIClIO us sIl.U b. mtlled 10 OUt .ddr..s 101 CUIIOrTW SltYlCl on you. sl.ltmtnllor other Iddl....1 w. may specllyl.nd shill b. .lItell'" wh", W. IICIIY. II.
V(bv You, Billing Rights - Kllp This Nolie. for FUM. Uu
This nOliu conlllfl. irrCIolI.nl inloHNlion aboul yout nghlt and out l.sponSlbllities under {h. Flit Clldil S.Uinl\ Act.
NOlil., Us In tau of EIfOIS or OU'lllons About YOUI Bill
If you Ihink your bil il Wlong. or il you nttd rMt. inlotrT\lllon Iboulln entry on your bdl. wril. us. on I SIOIfIIl shill. .1 au. .ddllulor CUllomer lII'yiulilltd on your bill. Wnl. 10 1.1111 soon IS
pOISlbI'. W. tRIll hllr 110m you no IIIIt Ih.n 60 d',t 11111 w. SIllI 'au Ih. lirsl biD on which Ih. trror or ploblem IPP..lld. YOll tin lelephon. us. bul dOing so w. not P"IIn. ,0UllighlS.
In youI Ituer, p. us ,h. folowlIIg: ~ YOUl nltnt itld Accounl nuntll. ~ Th. dolllf .maunu'lh. susptt:ltd trrOl.
~ O'SCllbt thl .rror Ind 'lplllII. II )'ou tin why you blh". Ihell .. In IItOI. II you n.1d mor. inlotfTlllion. d.wib. Ihl iltfTI you It. nOI Sl.U. .boul.
Your Righll Ind Ou, Ruponsitlllilits All. W. R'Cliy. YOUI Wfilllfl NoliCl. W. .lTI.IlllCknowltdg. your 1'1111 withlll 30 dlYs. unl." w. hi'" conlClN Ih, .ror by Ihen. Wilhin 90 d.ys. 'tI,lIlIsl ..Ihlt
conlCl Ih. .rOr Of Upllfl ....hy w'. btli.Yllh. bill WIS COHte!. Aliff we IIC"" ,our l'llff, w. unnOltty 10 coUtU Ill, I~unl you qUlIllOn. or tepOtt you II dtlinqulftl. W. un CQlltftU. 10 b. you
for Ih. .mounl yOU quullOn. lncludll1g lin.nn ehlfgu. W. un apply Iny unpaId .mounl'galnu you. etedlllin.. You do not h,n. 10 ply Iny qUllllOntd .maunl wtl~. '11I"11 ."uhgllflg. bul you
'" stili Ob~glltd 10 P'Y lh, pllts 01 ,OUI blA Ihll III nol III qUllllon.
If w.lind Ihll w. mad, . mJllk. on you, bia. you '11I11I nol hi'll 10 PlY In, lin.nce chllg. tel.l.d 10 Iny quulionld amounl. If w. didn'l fNkt . fnSlak.. 'OU, INIY h.w. 10 PII'in.nce chll9U. Ind
you wil hi'" 10 mth up Ih.mu.d pl,menu on Ih. qUllllOned .fTQunl. In IIlh.. Ult. w. wlll SIIld you. 1I111fTWfl1 olth. lmount 'au ow. Ind 11'1. d.l. Ihllll it du.. If ,au .~ 10 p,y Ih. ,fTQunl
w. lhltlk you ow.. W. /1'11., l'Poll you II delinqu.nt How'Ytf. II our IIplln.lion dati nOI "lidy you a/ld you wILli 10 UI wllhin 10 d.y.lelling us th.1 you IliII "Iustlo p.y. w. Il'Uslllll ,nyon.
w. llOotl yOU 10 Ihll 'au QUIIllOn your bill. And, w. IIlIII ItIt ,ou Ih. nllNl ollnyon. w. repon.d ,aUla. W. ITIJSI I" .nyon. w. 119011 ,ou 10 Ih,llh. mtlllf hIS bllff IlIIIed bllwtlll UI when
il lin.1Iy iL II w. don.t 'oHow thu. rul.s. w. can'l coUfCf Ih. hrsl .50 Ollh. qU'lhoned 'fTQunl. "11I II youl bill wu cottecl.
Sp.el.1 Rul. 'lit Cradll C'ld Putchu"
II you h." I, ploblem with Ih. qUllilY of lh. goods 01 SltYiculh'f ,ou purch,..d wilhoUI credil Clrd Ind you h." Itied in good ,.ilh 10 COlfICt Ih. ptobltm wilh Ih. "*c1\.,,I. yOUIT\I, nol hn. 10
PI, Ih, rttnlllllflg .mounl due on Ih. goodl or SIIYICU. Thtt'.II Iwo ImllllOns on Ihll nghl: [II you /Tl.l.I hl'l' INd. Ih. putehllt in youI hotTW lI.tl, or II not Wllhlfl YOUf hofnt SIll.. wllhm 100
mlts 01 YOllr CUfllfIllTlliling IddllU: .nd lbllh, pUleh.1t pne.nul hl'l' b... moll Ihln .50. Th... Iimtlllons do nOllppl, II w. own 01 op"'I. Ih. mtlchlnl. or I' w. maiN 'au Ih. .dYIfIIs.erren1
101 Ih.proplflyo, SltVIC...
VI""',','! 'l"'\t;
.1'" .
L6. H~ 80 9 8Z l~O
,iJ
~ji j:l: ~ ll~ .:::;j.!O
5174 JIY R EllII PIS 60Y I CC15.90V I C2190F
.
JOEL STEINMAN, ESQUIRE
Attorney 1.0. #62042
MELVYN S MANTZ & ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK CUMBERLAND COUNTY
Plaintiff COURT OF COMMON PLEAS
VS
JAY R. ETTER
Defendant
NO. Q'7 ~ 5'~I/.;J.. &vJ ~
NOTI~
You have been sued in Court. If you wish to defend against
the claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are
served, by entering a written appearance personally or by an
attorney and filing in writing with the Court your defenses or
objections to the claims set forth against you. You are warned
that if you fail to do so, the case may proceed without you and a
judgment may be entered against you by the Court without further
notice for any money clai.med in the Complaint or for other claims
or relief requested by the Plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Court Administrator
Fourth Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
JOEL STEINMAN, ESQUIRE
Attorney 1.0. #62042
MELVYN S MANTZ & ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK CUMBERLAND COUNTY
Plaintiff COURT OF COMMON PLEAS
VS
Defendant
NO. q? . s' '} '1,2. C;.,.J T.u..-....
JAY R. ETTER
CIVIL
ACT ION
1. The Plaintiff is Providian National Bank f/k/a First
Deposit National Credit Card Bank, a national bank with a place
of business located at 53 Regional Drive, Concord, NH.
2. The Defendant is Jay R. Etter, an individual with a place
of residence located at 11 Coral Drive. Carlisle, PA 17013.
3. At the request of the Defendant, Plaintiff issued to
Defendant a VISA credit card. account number 4428230472926616 and
at all times relevant hereto, Defendant was the holder of said
card issued through Plaintiff's credit facilities. A true and
correct copy of Defendant's application is attached hereto, made
a part hereof and marked Exhibit "A".
4. Defendant, upon acceptance
agreed to be bound by the terms
revolving credit plan agreement.
agreement is attached hereto,
Exhibit "B".
of Plaintiff's credit card,
and conditions of Plaintiff's
A true and correct copy of said
made a part hereof and marked
5. The Defendant subsequently received a cash advance from
Plaintiff and incurred additional obligations in the sum of
$5,278.72, no part of which has been paid.
6. Notwithstanding the frequent demands by Plaintiff for
payment of the amount due, there has been a failure and refusal
by the Defendant to pay the same or any part thereof.
7. In accordance with the terms of Exhibit "B", Defendant
agreed to pay the Plaintiff a finance charge on all sums due at
an annual percentage rate of 21.90\ and Plaintiff is entitled to
additional finance charges from 05 JUN 1997.
8. In accordance with the terms of Exhibit "B", Defendant
agreed to pay to Plaintiff a reasonable attorney's fee if the
account was referred to an attorney for collection, and Plaintiff
will incur an attorney's fee in the amount of $1,055.00.
WHEREFORE,
in the sum of
attorney's fees
of this action.
Plaintiff demands judgment against the
$5,278.72 plus interest from 05 JUN
of $1,055.00 for a total of $6,333.72
Defendant
1997 plus
and costs
Z-rAS~'
, E
P.C.
BY'
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS
REQUIRED THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT
TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
RECEIVED
AUG 1 :ll~~1
MELVYN b MANTZ
&. ASSOCIATES
iiJ;PRc.WIDIAN
.-^ /l1l1I'OI/'
PLAINTIFF'S
EXHIBIT .
g
VOW' Provlcban N.honil B.nk VISA or VISA Gold ,cuunlllh, "Accounl'" _MoWI yOll 10 INk. pUlchuu by UIlnQ ,auf VISA u,d Uh. 'Card"1 wherlVIf II is honofld Ind III 1111 cnh ,dune.. "om UI
Of .ny olher PJflICIp,!IIIQ hnanclil.ulilullofl. Cony,menu chich INJ aho b. provided to you II in ,l1dllloo,l WIY 10 use Ih, Accounl. In Ihls Agltlmenl. .you. and .you,. mun uth PlKUIn 101 whom
w. hll" opened. "telll !:lId A'tounl. .WI." .ou': 'OU'I." .rd .UI "..n PrOY~I.n N"IQnal S.nk, 01 III .nUjn"l, I' butd on you' hdbng statement. You Illi., nol b. elnJlbl. 10f .n Account I' 'tOU
Of' menillf 01 yOuf household .kud, hu. . (tedtlltcounl wllh hsl 0'9011' Nahan,l Oink Of Pro'ldl'l1 NII,on,1 Oink lh, Account may b, used only 10f penon.1. talTll't, household. and challllbll
putpOSIl. .nd nOI 101 an, bUMus Of COIRrefCW pUlpOlf, You .nd W8 .gl" IS 10Uows
Sf Kill Itllluirlftl.flt .t thil Account: C!edll R.v.,w Prog"m. 111 oldff 10 hep ,OUI Accounl 10 good II.ndlng. 'au .gftl nollo Il1Cfl.H Ih. .mount 1.1111 .n, balancellinslllS havI bUll (Orflll'lldl I
o your 10lal debl on unsecut.d IIvolvlIIQ clldllaccounU WIIn olh" Itndlls wlthoul OUI lulhollUIIOo. W. 'lfflll flVIfW 'au' C/~lllicafdl pel'lodlull, .nd conlacl 'au II WI b.ll.v, ,ou If' nol ~tIlnll
IhlSol SPlClal'lqulflmll\ls.
P..ymlnta. Vou will fit..... I rmnlhl, SI.lement shOWIllQ 'au' oulslandlng balancl. Vou wIM pi';' uS 10 US, dollalS (chtch lIlIsl b. p.y.bll .1. US. 0111(1 ollh. bank th. chICk IS dllwn onl.1 Itlll
Ihl paymenl du. II shown 00 'au' sl.11MIfl1 by th. ply~nl du(' d.11 In iCCOld,nca Wtlh p.JymenllllSlfuChans on ,aUf monlhly slalement VOu mily nol UII you' conV'llltf1C1 checks 10 mah r'YmlfllS
on ,out ACCGunl A. 10 malt. p.ynwnu on .ny olh" account you hay. wllh UI or au' .lhbiles. Th. paymenl due wIM be: 2\ ollh. n.w balanca shown on ,our sl.lemIfll plus Ih. 'mourll 0 ,ny Pllt
due pay,,*,1. rlus lh. .mounl b, whICh th, n.w balinu "clleds yauf cf,dlllin.. plus lees 101 ull.Ift opllon.1 servlCu. However. Ihl p.ymenl dul will nOI bllus Ihan $t5lunllSs you' n.w b.l.nu
IS Itu Ih,n I 5. III whICh caM Ih. p.ymenl dUI wlM b. Ih. amount ollh. n.w bal.nul. We may requlII . hlghll IflfllfTllm paymenlll you' Accaunl IS pili due u, above th. CIld11 1In1, bul w. '11I11I
nOllly you b.lor. dOlllg 10. If youl plylOOflllS lnole Ih.Jn Ihe PI,,1TIIfl1 du.. II wtJI be Iluled II I SIOgl. plymenlllld nonl 0111 WIn be Ipp!led to IuIUII plymenls du.. WI IT"IIy ICC'Pllile d' panlal
p.y~lI. 0' p.ymanU mafked -paid In lun- 01 INlkld wllh olher ItUIlC\lOns. WllhoUlloSlOlj our nghl 10 caDtel I. .mounU OWlnQ undM Ihls Agltemenl.
Finlllct Chl,gll. hCIPl1I ducnbed in thl Grin Pellod 10f Purch"" Jlchon Ollhls AI)/"~I. linance chllgu beg," 10 ICetU' on . debil when il is includtd in on. 01 you, dldy b.lancn .nd
,0nll1u, Ulll~ Ih.1 b.lince is ,.duced by. p.y~nl or Cledll, Your accaunl has Ihl" da~y b.lancn Ih. Pllfchas. Bal,nce, whICh conSlSls 01 purchasn JOu makl wllh youl Card; Ih. Cuslom Cuh Adv.nct
B.I,nCl. whICh consilII of unSKured etlllll c"d b,l.nclS Ih,l wou IlInslrr 10 your Accounl uUIlg balance Ir.nsler checks 'nd bllanus Ihll WI IlIns IN lor you dUllOg lhl accounl op'11I119 plOceSS; end
ilii"C'iih Advance B.I,nn whICh conSlslI 01 .M Olh., cuh advances. Any paymenl amounl WI recelV' Ihalllceeds Ih, Iln.oCl ch.,glllnd lies lhen due will hilI ,edun Ihl/emalfllOlj hllch.SoI 9.I.nu,
end Ihen, Illh, Purchasl B.I.nClIS lifO, will Itduuthl femallllfllJCUSlomC.sh AdunceBil.nca. and Ihen. II Ih., Cuslom Cuh Advanu Ballnn IS llfO. will ,eduulhe remalfllllg Cuh Advance B,I.nee.
Th. Purchu., Cuslom Cuh AdvanCl. .nd Cuh Adv.nceSII.ncn Ir' ..ducld by plymenll IS ollh. dale recllved. Ind by credtll (IICepllof reversals 011,", OVel Iml. and ITlScellantous chlfglSl II
oflh. dill poslld. Purch'IIS III Included rl your PurchlSol B.I,nct IS ollhe d'I'lI\idl. CUllom Clsh .dvances.re IncliJdld III your Cuslom Cuh Advlnce Balance II 10Hows: lunds e1ecllomClHy
lriflsnitled 10 olh.. ItndlU 10 Ir.nsl. balanus. II ollh. d.1I 1I.nwllld; chICks 10 translll bal.ncu as ollh. d.t, presenled 10 us. Olhef ClUI .dYlnces "' IOcluded 1Il you, C.UI Advance Bil.nu
II foUows: cash .dunclS ham olher IVlancl.llflshlullonl.nd lluough Auloffilled Trlllls. IS ollhl dall mid.: lunds e1KllomcaHy U.nmlled, II ollh. d'"lranSfT'llled; cuh .d..nee checks madl
p.yabl. 10 you Ihal.1I idenllfled II (uhllf's chICks Ih.1 w. ft\Id 10 you .1 youl '!qUill. as 01 seven d'ls Iliff Ih, dall we plinIan Ihl ched; II olhll checks. Iflcludlng (Onfflm....ce chKh. II of
Ih. dll' Pflsented 10 us. Dlh. d.Ms (ucepl '0' Ill'. ov., Iml. IIIl.Jnu, and rTlIScellan.ous Chilgesl art VlC uded If'i youl Putchalf. Cuslom C'UI Ad..nce, 0' C.UI Adv.n(l B.I'lIce ill ollh. d,ll pOSled.
flfl.nce chllges lit .ddtd 10 you, Purch'lI. CullOm C.sh Adv.nu. .nd Cuh Ad......u 8.lanclS each d~y .nd all Ihen posled on Ih.lul day ollh. bliling cycl.. Therlls no p.tlod wllhlll whICh custom
cuh .dvenc.. 0' olhll' uth IdvanClS l1\Iy b. ,epaid Ylillhoul ~CUffl"lj I linance chargl
To ligUII In. dlliy linlnce chllge 10' purchasu Ih. d'lly finance cha/gl for cuSlom fish advances. and Ihl dlaly lin.nct ch,'ge 10' olhll cash .dvancn. w. Slall wuh yout P'IVIOUS diY'S Purchlll
B,linCl. Cuslom Cash Advance Balance. ,nd CaUl Adv.nu B.lanu, add.U d.Ms and subllael all crldlls 10' Ih. currenl day 10 Ihe .ppbcabl. B.I.ncelllupl.tntd IIIlh, plfa9faph abov'llnd rTlllllply
th. n.lll1lOunl by Ih. .ppbc.bl. d.dy periodIC ,,"11Ie 10Uowmg plllgraphsl. ThellllanCl chalye 10f purchaseslS Ihen added 10 and Iflcluded In Ih.1 d.,'s Purches. Bal.nc.. Ihl IlIlance charg. 10' cullom
Clsh .dvlnces IS Ihen .dded 10 .nd Included II1lh.1 day's CUllom Cash Advlnce Balantt. and the Imance chllg. '01 olhff cash Idvanc" IS Ihen .dded 10 and included III Ihat day's C.sh Advlncl Bal.nce.
W. IlIal . crtdll balancl lor Iny dlY as lffO. We delllnine Ihe lalalllnance chatges 101 Ihe blUlnq cyel. bt adding logelhlllhe hnitnct chllge 10' PUIChUII lor IIch d.,;, wllhm Ihe balbng cycl.. lh,
llO.nc. chllg. lor Cuslom c.sh Idv.nus 101 each d.y WlIhlO lhe ballUlg Cyell, and Ih. hn.nu Chllgl lOt olher cash idunces lor IIch day wllh," Ih. billing cycle. In cakulallllg lan.nee chat~es. In
.d~slment 'Iff. bl mad. 101 any l1.nllCllGO Of p.ymenllhal would have .UecIN Ine hnanct chalg. calculallon III I IllIG' bllltng cyel. had II been pOliN lIlth.l cyd.. Thl apphcabl. dady pttlodlC file
101 wch . lIanllcllan will be Ih. lalt 1Il.11ecl leo, Ihe cunenl bdling cycle IIlhet Ihan Ihe 1111 III .tlKI on Ihe date ollh. lIanSlchon. Th. bal.nu.rrounlS shown on your SI.lemenl may dill. ham
Ih, Purchue, Custom Cash AdviflCf. and Cash Advanct Balances used 10 CO/T1lulmg fmanu charglS. bllaulllhl Pufches.. Cullom C.sh Advante. and CaUl Advance Balances do nOlmclud, .ny 1'11.
OVIlIirnI, or IT1sctll.nlOus ch./gn whICh lie IIIcluded III Ihe balanus shown on you' stalement
Th. 111m .Pr~ R,"- II used in Ihis Agreemenl mllns Ih, hlghesl p'lfTIlI rale pubhh.d in Thl WdJ/ Stlet' JourntJI on Ih. lint business da, of thl p,evious ulendit month. Any inCIt." Ot dKtllSl
in Ih. APR wllllakt ,UKf on Ih. hrsl day 01 you. bllllflg cyell and may "sull In . sligh I II1ma" 0' decrease III thl IInount 01 youl mnllftlm payment
SI.rlinQ in your Jun. 1996 bliling cycle. youI ANNUAL PERCENTAGE RATE rAPR") lor pUlchases wlit var, Ind may bl Id~S1ed each bdltng cycle up 10 7.35% above Prime Rail. but wll in no evenl
b. IllS Ihan 15.60~. UIIOg Ihls IO'ITIII., Ih. APR IOlh. Jun, 1996 billing cycle would be 15,60..... cOlfespondmg 10 . dady p.llodlC fill of 0.04214\.
SllIling in your Jun. 1996 bdling cycle, your ANNUAL PERCENTAGE RAn; rAPR'"lor custom cash .dYlnces will va,y .nd may be ad~slldeach billing cycle up 10 7.65\ Ibovl PrItOl Rllt, bul WIN
in no ....1\1 b, Itu Ihan 15.90'. USlllg Ihls 101nIlla, Ihe APR IOlhe June 1996 -7li1mg cycl. would be 15.90%, correspondmg 10 a dldy penodlC 1111 01 0.04356%.
The ANNUAL PERCENTAGE RATE rAPR"llol clSh .dvances is 21,90%, corresponding 10 a dally peflfldic lale 01 0,06000'.
W. "setv' Ih. ,ight 10 chlnge Ih. annual perUi'll a!)' 1111 calculalions I' you do nol cafT1lly wllh Ihls Agfeemenl.
To dllffnln.lht ._lIagt dldy balanct shown on you' S11lemenllOf purch"es. add each days Purchase Balancelincludmg dally IItl.nCl chargel in Ihe bdhng cycl.,nd dlvid. by Ih. nulT'illl of d.ys in
the bllllllg cycle. To d.t"rml' lh. ,vlI.ge dady b.lanu shown on you, Slalernenl 101 cuslom cash advanus, add each d.ys Cuslom Cash Advance Bal.nCI (lncludmg dady ItllanCl ch.rg.lllllh. blKmg
cyclt .nd divld. by Ih, nulTCft of days IIllh. b1Mmg cycl.. To del8lfTInl Ihe average dally b.lanca shown on YOUf slIlemenllor cash advances, .dd IIch day's C.u. AdvanceB.I.nct bndudmg dady
fmlnu chargllln Ih. billlng cyel. and dlVld. by Ih. nUmJer 01 da~s IIllhl bllhng cytle. You Clln rTllll1ply IIch of Ihese average dady bal.nces by Ihl nUrrGlI 01 d.,s 1Il the bllltng cyeil.nd by th"ppkcable
da~y p'flod1c r.11 10 obtalll subtolals. Ind Ihen add Ihelh". Sllblotals logether 10 dlleflRne In. lalal anllunl 01 youl IIIl.ncl ch.rges 101 Ih. bllltng cycle.
GflU Ptfiod for PUfchll". N.w putchlSls postld 10 YOUl Accounl in bdling cycles when Ihe prevIous balance was litO. 01 whrn the prevIous balance was lu.y p.1d durinQ Ihl cycle. do nol begin
10 IflCUl' . fmlnce ChifQ' unl~ Ih. slall ollhe nul bllllOg cycle You can aVOid any IUI.nce thalge on such new purch..es II you p.y Ih. lotal n.w balanCllll luM by Ih. p.ymtnl due d.l. shown on
you,"aterretl. New pUfchases posted III any Olhet bllhng cyde IIlCUI a hnanee chllge flam Ihe date Ihl putchue was made .nd Iheft IS no period lfl'lffhICh such pUlch.ses may b, ,~..d WllhoullllCUlflflQ
i Ilnann chllgt. Thef'ls no plllod 10 Ylihlch cuSlom c.sh advances 01 olher cash advilnCIIII may be ftP.ld WllhoulIr'lCu","g . IIIl.nce chlfge.
Fm. W. wall charge yGUf ACCOOOI up 10 $18 10': IIch Card you ask us 10 "place; each "Iurned pa~rt'I!nl check; nth check you Willi on youI Accounllhll w. IIturn unpaid; each rap plyment ordll
or lenewal 01 such an order; each billing cycle wllhin whICh yOUf Account IS dehnQuerll11all cha/gel; and nch bdbng cyele wllhlll whICh your b,l,nu "cllds you' cledll !.ll. II you 'tqulIl COptll 01
blllinQ sl.IlfT*U Ih.1 .....". hili senl 10 you roo" Ihan Ihlee monlhs ear/lln. we may chllg. I h.ndltng Ie. 01 12 lor each such copy.
.Deflull You will b. in dltlault: II you were nol ehglbl. lor IheA.ccounl at Ihe hme II was opened; II you 1:111 10 cOfT1lly WIth ,ny p.rt ollhls Ag'ttmIflt; il ,ny ~Iollnllion you glVI uI prOYII 10 b.
I!Co/T1llell 01 lalse; upon youl dealh, banktuplcy, a' Iflwlvency; 11 you 111110 PlY olhet' debu when due; II a bankfuplcy pellllon lS Ided by 01 .g'lnll you; 0' II .... btiev. Ir'I good "llh Ihlt you InIy
nol payor plflolm yaul obhgatlonsunder Ihls Agreement. On youf delaull w. may. wllhoullullhtf demlnd 01 no lice, cancel yOUf crldll pnl'1leges. ded." you. Accounl b.lance ~lltly due and pI,.bw,
Ind IIlvoh Iny /emedy we may have. II1lhe COIenl 01 yout del.ull. Ihe oUlSlandlng balance on youl Accounl shaH conMue 10 accrue IOlerlll It Ih. APRlsl disclostd Ir'I th. Filllnc. Chile" IIthon 01
IhlS Agflemenl. even 11 we have sued you to codect Ihe armunl you owe.
C"dit lin.. YOUt mdtllin. is specllied Itom liIre 10 li:ne 10 . separate nalice. We may increase 0' decrease yout cedif Iinl based on iIIlorlnltM1 we obl.ined from you 0' your moit lecOlda. Your
.v.rIlblt tl'1dJ1 IS normaDy th. dllll!fence between you' cllllil line and youl Account balanc. McJuding Iransacllons made or .ulholllad but nol ,el pOllld!. Fof Cltlllll usn .dnnces. ."iltble Cttcfl:t
may be less. You WIN nOI UII your Accounl 10', and w, may IlluII 10 honor, any lranllcllon whICh would ClUII you to ..Cled you' lV.dable credit.
Promise to P.y. You plorr". 10 pay uS when due aD ,mounU bOffowed when you 01 someone else use you, ;\ccounl liven if Ih. lmIlunl ch'lged 'ICeedS yOUI' pltlllU1Ol1I. .. Oln. trlflSICllonl.ml
cherg" 10 your Account Ind coD"llon COSIS w, UlCut including. bul nol bmled 10, IlIsonable allomey's lees .nd courl casu. UI you wllllh. WIt. w. '11I11 ply yOUf fllSonebll Illolnty'llns and court
cous.1
Chlngd. WelNy ch.ng, any pllt ollhll AgretrTllfll 01 Idd Olll!f1lOVe rlquiremenlS aller nOIIC' II teqUlted by law. II w. chang. Ihe Fin.nce Cha'9Is SKliGn of Ihls AgrtflTllnl. Ih. new lin,flU cn.r;e
ultullllon wli apply 10 you, wholl Accounl bal.nn ham Ihe tllKllve dale ollh. change. whelhll' or nollht bal.nCllfldudu Ilems pOSled 10 ,aUf Accounl b.lollllt. chanQ' d.11 and wbeth. Of 1101
you conllnu, 10 uSllh. Accounl.
hnlen Eachlfti.fCulf,ncy Connr,ioll. II you USl yOUl Card 101 ItanUCllons 1fI iI cUllency olher Ih.n US. dog"s. Ih. IIJnS,1ClIons will b. conwerted 10 U.S. dolllL gill,,'" USIII9 .In. . .1
9QvlIlll'I'IIfIllNnd.ltd ItI. 01 lit! whol.sal. malhl 1I111Il11I"t thl day belale Ihe If.nUCllOn p'oelSSUlQ dale. Incrllstd b., on, ptfClIll (11\1. III Cltdllll IllbstqUllllt, 9'YIfl 101" . Uanuchllft. II .,...
be d'C1!1std by en. Ptlctnll1\J. 11th, Ctlldll h.J. dlllerenl plOCUSlIlg dalll. thltlthe uehang. fill 0' lh. cf.dlt till be glullfJleu Ihan Ihal ollh. 011\111111 tranllCllOn. T". CUfIWlty COtlVIl1lOCf
r.l. on Ih. day bllat.th. IlInUChOn p'OClUlIlg d.l. rrwy dlller from Ih. lalllll elltel allhl 1m.. 01 Ih. lIansaCllfln Of on Ihe dale Ih, II.nllCI1Gn IS pOUld on YOUI Account. You .gt.. 10 1CCfCl'1
5lJ4 J,y R Enll PI56GV I CCI5.9OY I e21 90F
tJi:l.~"jA
th, con~.ltd &mOunt In US dohu
"" C"t Clne,II,lion. You WllIl'lurn thl C.rd to ul .1 QUI '!Quill 'hi C..d 'lpltU .1 lhl ,nd olth, month .tlown on II. W. hue ,hi r~h1 nollo rtn.IV Ih. Clld Al .n, !In. .lIff .11.."
30 dly. nOli" 10 you. 01 wlthoul nOllCllllllmllltd by I,w, w, lNy unClllh, C.rd .nd YOUf (fedll p.lvlle9n II yOlll Clld ;, ,.nulled or nol 'In.wld, IlI1'flu ChllgU ,nd olhll I." w" conllllu.
la b. uSfuld, p.ynnu will conlllu, 10 hi do.. ,nd tII oln" tpl/bubl. promlonl olth', Agrrrmenl wil 111I\11/\ III ,Uttl. You rN, unetl youl mOil Pflvdevu by nOlllYlllg UI In Willing. IIIUI'nlflg
lh, c., dill 10 us cui an hit. .nd 1111,1119 ,01.1' Iflllf, 1I.11ffiIfl1 bltencl by th, r.yn~lI du. dl'l on lh, tl.ltmIfll whit" lIlcludu your 1111,1 pUfehulS. euh .d.,nen, enllQu. .nd IHI_ YOul <<adll
PflWKtqIl W1I bt nnnOtd .nd no .ddlllan,llln,n" ch.rQII .".11I b'Ifl1IOled. I w. unctl 01 do nolllll.W Ih. Clld, 0111 ~ou Ilmln.1I ~OUI cledll pllllllgU. you INIY no long... WFlI. ChKks on YOUl
A(tounl, Illd fau should dlllloy Iny unuud ehedl w. hn. usu.d 10 you.
'.non.1 hdllm.tJ.n; Dteum.nll. You wtl glw, UI 111t11l 10 d.YI nOllCI I' ~ou ching. ~aul nlllll, home or fT'Illlln,.ddllu. lelephon. nuntl". Of lOb. Yeu ",II PlolTCllly gi.. UI inlol/Nhon Ibout
yOUl hn.ncllf 11111I'111 WI uk 101 It W.INY g.l RIch inlOlll\lllOn horn olhen. Klcludlllg trldllltpOlllllg 'GItI1tIIl. .nd plowld. you, Idd'UI .nd IIllormtllOn Iboul ~OUI Actaunlto olh'n. W.INY .110
sh.II such 1Il1011NIlon Will! Oul .lh~a1u II ~ou fd 10 lulllU .n~ 01 your obbglllonl undllthlS Agrtlnlml. . n'glllY' credll tepOllrtllecllllg on you' crtdlllKOld mtY bl 1Ubmlltd 10 crldlt lepOlllng
'glncIII.
CUltom., SIIVICI; Un,ulhlrllld U.., Lon, 0' Thl't of Ch.ch Of Ih. Clfd. Etch Ctrd n..U b. Ilgnld on IInlp!. ,You wdl ul.gulld Ihl Card. YOuISluon.' idtnhhClllon nunt" lwhlth pIOr\dU
""u 10 AulO1N11d Till... Mlthlllul. Ind In~ chICks usu.d 10 ~au 110m Ih.11. You will keep youl pluon.' id.nllhu!ton nutTt" UPlrtl. 110m you' Ctr . 1I/0U dluov., 01 IUJPlCllhlllh. Ctrd ",
1I1~ unused chKh "' Iou 01' slolM. 01 Ihll Ih"l ITIIt b. .n unJulhollltd Ir.nUChon on YOUI Accoun!. you will nOllly UI plolT1ltly by Ielephomng 1800 933. 221. Jou wll phonl, ..10 Ihough you
INY nOII/v ullR wn11ll9, so WI Cln Itl 1111 10 III1'IlloulI Ind ktbtlllJ. YouI bbll'l~ fa, un.ulhollled UIt OCCUlIlIlg b.loll you nOllly u'lllmltd 10 150. II ~ou ''''011 Of w. SUJPICI unlulholllld uu
01 you' A(tounl. w. lNy klJPlIld youl cledll pmll,gll unld w. 11101.. Ih, ploblem 10 OUI ullst.CIIon 01 IIIUI ~ou . n.w C'ld. It you' Clld II lOll 01 IloIlO. you will prolTCllly dutroy II checkl In
your pOIJlSlIOn. To inlI'on CUllomer SIIWICI .nd lI'UIIIy, you 'G'II Ihll you' tills lNy bl mol1llolld 01 rICold,d.
""ctltnl ".llIion.. WI wlI nol bl h.blt II .lly p&non or AulolNltd TeDer MiChlfll r"uIIIIO honOl Ihl Clld Dr ICCtpl YOld checks. Of ,.ds 10 IIlulnlh, Clld 10 ~ou. W. hn. no IIJPonw',y 10'
good. .nd I.mets purchlled wllh Ih. C"d Dr ch,d. 'lcepllIl,qulf.d by ,.W. IS" SpllCIII Pul. h&low,1 Cellal1l ben.hlllh'l '1' .v,dabl. wllh lhe Accounl III plovld.d by Ihlld pllly nndon.
W. ,ft nOlluponllb1t lor the quallly. awa".bllll~, Of IlIulll 01 Iny 01 Ih, IIlIWICII you chooll 10 UII.
511' "YMn1 Oran. ltfou WIsh 10 nap p.ymtnl on . chtCk. you may IfIId UJ , 110p p.ymtnl Old.. by wlllinlllo UIII OU, Idd,lS. 10' cullOmet' ",Witl Iintd on you, bill. Jou Cln INkt . Il0p
paymenl o,d. GraDy by Cllhng Ih. nutTt.. hlN on NUl 11.ltmfIll. WhM you INk. I 1I0p paymenl oldlf, you ITllII ploV!d. yOUf Accounl nullilll and JPltlhc lI'IlOIlNhon aboul Ih. check: Ihl'lltl
amounl. Ih. d.l. on Ih. ChKk. Ih. n.me of the pllly 10 whom'l WII payablt. Ih. n.me ollh. p.non who IIgn.d II. and Ihe check nutTtlf. You wll bl IIktd 10 tonl.m In ortlllop pa~menl oldlf
in Wflllng. W. INY dll1tglld yOUl ort! Oldlf II wi do nol r.un. aligned wnllen conlllfT'llllOn wllhll1 Iwo W"1s .111f Ih. alii Old" Of I' you hn. nOI .dtquII'" d,ICI.otd Ih, IltIll 10 Ihll p.ylTllllI
Cln b. Slopped by Ouf CO"lJul.. Th. Old. will nOI b. .Ilrelln Illh. check WIS p.ld by U. bllol' w. hid I IIlIon.blt oppOllul1lly 10 Itf on Ih. Old.. W. mty. wllhoul ktb"IY, dUltglld. willi en
ItOP paynwnl order II' monlhl .1111 rIC1lJI1 unl'SlII II len.w.d III wlll,ng,
SlIndlfd If Cite. 81C'u" Ihll Accounllfl.olns both clldil card Ind chICk IUlnucllonl whlch," prauSlrd tluouQh 1f1lll.1t nllionl' SYII&mJ blloll thllrlnuctionl III con&Olid.ltd by Ul. .nd blClusa
nOI "'lfy check end Clld slip wllI bl ltallo UI. ".nSlCllonllR yout Accounl wlI b. PfOtlUld mechnlCllf wlthoul our nIC.nlldy IIVI'W1I'lg IWllY 111lT\.. OUI/'OCIl1lll9 Iyllem will ul ou, .1Itnllon
10 elflaltlllems whICh w. will ,umn.. W. wUI l.alTltll .n lunucll0nl when you IlpOlt Ihal you' Clld Of chICks hn. b.en loll 01 .Ioltn. W. do nollftl&n ofdlllll~y 10 IUrrIIl, "lleml, and w.
wlll nOI b. nlQ~gll1lll w. do nOI do &0, Thll lull tll.bk1htllhl II.ndlld 01 OldlO"y CII. which WIlli good 1IIIh wIg 'Ilfm. 1ft Idll'lm'ltllIlll ~ou, Account 81C'UII ot 6UI Imltd IIWlIW. and bICIUII
nlllhlf your tlnceltd thICk) nOI C"d It.nuction sIIpl wll b. IIlulned 10 you wlln Ih. InJnthly llllImenl, you should b. c".lullo tnllf .. ch,dl in lour chICk ItglSIII 01 olhtfWll1 hIP .,ICOld
at Ihem. You should IfIO SUI ~Ouf Cledll (lId (Ish .dunu.nd pUlChll. slIpI. You ,glf.IO chICk youI InJnlhlf IIIIImtnll IV'1I111 you' IKOld .nd 10 noh y u. PlolTCllly 01 any unlulhorllld If.nUCllon.
0' ",'on.
W,I<411 01 C.rt.in Rights. 'NIIN~ detlY or Willn tnlolCrmtIll ol.ny ~lorlllOn ollhll A~'eemenl wllhoullolll1Q ou, IIghllO mlolel il Of ,ny Olhlf p'0.lIl0n 1.111. You W'lW': Ihl IIghllO pr.stnlmtnl.
dtmitld. prOln!. 01 nallet 01 dlshonOI; any .ppllnbll JIItult ollllllllllon.; Ind Iny llghl you lNy hu. 10 IlqUlrl ullo plOCOed IglllllI .nyon. b.lolI WI SUI you.
A,plie.bll ltw: S,vlrabllily. Anignmlnt No mailer wher. you h., this Aglltmlllll Ind youl Accounl ar. go.erned by lldlfll,.w Ind by N.w HI~shlflllw. Allny IItJ1t .1Ier w, dllllrrin. .,
good "llh Ihll .ny p,oposed 01 IIllCltd It1jlsllllon,lfgulllory IChon, 01 :udttlll declllOn hl1lt1ldeud 0' ""y lendlf .ny lTIIIIIlI1 plOV11IOn Ollhll Ag1flmtnl flUIid 0' unlOlolCllblt, 01 "'1IOlllny
IRCleued In. rtPOllltlQ Itqunmtnl. 01 olher burdtlllll connlKllon With any such plOVlllon OllIS InlO,Clmenl, WIINlY. .ller It 11111 30 d.~. nOllello you, 01 wllhoul nah"" plfmlled by Ilw. Clnctl
Ih. Cild .nd ,OUI credil Pllw~egU Ind. decl.,. youI Actount b,'anClllll'TWdlllelydu. and p.y.ble. II any plOVlllon 01 Ihll AQr&emtnlll hefd 10 b. Ifwabd 01 unlnlolCllble. you Ind WI wlI conSldtf Ih.1
prOflllon modihed 10 (OnlOlm 10 appliubll I.w. and Ih. fils! 01 Ihe plo.illonllll lhe Agflemenl wll 1111I b. IIllarcltbl" bUI w. will h.v, Ih'"Qhl 10 Clnctl yaul Accounl.nd ded." your b.l.nu
m-d1.l1ly du.. II p,owlded 111 Ih. plecedlllg senlentt. W.lNy l/tnsl" or IIlIgn our IIghl 10 ..01 lome 01 youl paYITWflI1. 111111. l,w IlqUll'l1lhll ~ou r&ell.' nOIKe 01 such .n '1enl 10 plOIKI
Ih, PUlth.SIf 01 1111g1\". we lNy Qln ~ou such nollC' by "ng . hn.ncmg 11.lemtnl "'llh lhl IUI,'. Setr,l.,y 01 SI.II.
Mollets. Othll nOllCU 10 you sh.. be &II1(!tw. when dfPasil.d m IhllN~ addl.n.d 10 ~ou at Ihe Idd/lU shown on aut recoldl. unlllS .Iongtl nolict plfiod illplCllitd in thil AgrellTWnl 01 b, Ilw.
whICh plflod shd 11111 upon mailing, NOlltt 10 u. sh.M be maded 10 au' .ddleu lor cUltomer ItfWltt on youllllllmenllal olher Idd'U1I1 w. may WlCllyl.nd shtl b. .IlICIt.. whlO w. rICerVI II.
You, Billing Rlghls .. !Clip Thi. Notlet 'Of futul. U..
Thll nOI'" conl.1I11 ~Olltnlllllofrntlion .bout yout IIghU and OUI "lpon~bl~tiu under Ihl fail Cltdll 8111sng Ac!.
NOlify U. In C.1t of Errorl or QUlltions About Your Bill
II you Ihlllk your b. II wlong. ollf you nnd InJII IflIOI/TIIlion .baul .n enllY on youl bill. Willi us. on I St1Itr.11 sheel. II aUf IddlllS 101 cUllomer unitt kllrd on yOUf bill. Will. 10 UI .. soon II
potl1blt. WI n1llt hll' hom ~ou no lalll Ih.n 60 dlYllll1f WI senl you Ihl hili bill on which lh. I/IOf ors'oblem .pptlred. You Cln Ielephont Ul. bUI doing &0 will not pr.Jtfv, YOUf lighll.
In youI lell... glw' u. Ih. lollowlng: .. YoU! na~ .nd Accounl nurrb'l. .. Th. doll" lmounl 01 Ih& 'Ulplltlt erlol.
- Dlltllbe Ihl IlIror ,nd 'lpl'IIl, It you Cln why you b,blvt Ihell II .n IUOI, II you need mol' inlOfmtlion. descllb. Ihe ilem ~ou .11 nOI WII .boul,
YOUl' Rll)hlJ MId OUf R'JPonUl'lin Altaf WI Recer.. YOUI Wlllltn NOIIC'. W. rt'llll ICknowl&dgl YOUflellll wllhin 30 d'YI. unltlS w. h.v. ,COllt<:l.d Ihl ,UOf by Ihen. Wilhin 90 d.y.. wi tfUlltilher
corll'CI Ih. 11101 01 ..pl.1I1 why w. btlien Ihl bdl wu COfflCl. AIIIf wit ",el_' ~oullllllel. we ttnnollly 10 collecl In, l/munl you qUllllon. Of ItPolllou a. delinquent. W. c.n contlllu, 10 bill you
for Ih. alnJunt you qullllOn. lI'ltJudlflg 'mlnu (hl'glll. W. Cln apply .ny unp'ld .mounl .g'lIIll youl CI&dlllin,. You do nol hu. 10 p'y Iny qUllllOnl lmounl .....h~. Willi IIl.Utlgallng. but you
11.11. o"g.tllJ 10 P'Y Ihtptrl1 01 YOUfblllh.1 ",nOIIl1 qUllhon.
II w. lind Ih.1 WI INd. I msll'" on yOul b', you WII nol hu. 10 P'y .ny linance Chllgl related 10 .ny quulioned IrTQunl. II w. didn'llNlkt . II'Isl.k.. you may h..t 10 pll'in,ntt chllglS. .nd
you WI. h... 10 mah up lhl m1Jtd paylTlll\lI Olllhl qUlllloned 'lnJunl. In lither ClII. WI w.u stnd you, 11.lemenl ollh. lmount you ow. Ind Ih. dill Ih.llt il du.. II you Id 10 p'y Ihl lmounl
w. Ihmll you ow., WI lNy 1f9011 'au II dtllnquta!. ~awewtf, II aUf I.pl.n,lion dolS nal SlIIs!Y you and ~ou wnll 10 UI wllhin 10 dlyslelhng Ullhll you sl. relust 10 pay, w. ITllII I" Inyon.
WI repoll you 10 Ihll you quUllOn you' blf. And. we ITllII IelI you Ihl n.me of Inyon, WOI lepOlled you 10. W. ITllU leII .nyon. w. lepOrt ~ou 10 Ihlllhl malllf hll betn stilled bllwltn us whlll
II hn.Hy IS. II *. don't lollow Ihue ,ules. w. un'l coNecllhl hili S50 ollhl qutll1On.d amounl. I...tall youl bill wll COIIK!.
Sp.el.l Rul. 10f Cftdi1 Clfd Purth....
If you h.w' I pfoblem wllh Ihl qu.bl~ ollhl goods or SIIwicnlh.t you pUlChued wllh aUI credll Clld and you hn. IIItd in good failh to cOlleel Ih. ploblem wilh Ihlneeh.nl. you may nO,1 h.v, 10
Ply Ih. rtmllRlI1g ilTJ)unl due on Ih. goodl II senlClI. Th". It. Iwo !mlallonl on lhll ughl: III you ITllU hnl mtdl th, purehlu III youl hoq sl.ll. OIl' nOI wllhlR ~OUl hoq '"11. Wllhlll 100
mitt. 01 ,0Ul currenllN"'g .ddltu; Ind lbllh. pUlchl1l plitt ITllII hn. been InJII Ih.n 150. Thlt.t hm II0nl do nOI .ppl~ II w. own or operll.thl rrerchtnt. all' w. madtd you Ih. IdWllllstmtnl
to< tho p"p~I,,, ""0" ~ '~
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5114 JlY R EIt... P1560V I CCI590V I C219Qf
JOEL STEINMAN, ESQUIRE
Attorney I.D. #62042
MELVYN S MANTZ & ASSOCIATES, P.C.
25 East State Street
(215) 348-5200
Doylestown, PA 18901
ATTORNEY FOR PLAINTIFF
PROVIDIAN NATIONAL BANK CUMBERLAND COUNTY
Plaintiff COURT OF COMMON PLEAS
VS
JAY R. ETTER
Defendant
NO. 97-5942 CIVIL
PRAECIPE TO SBTTLE. DISCONTINUE AND END
TO THE PROTHONOTARY:
Kindly mark the above captioned matter settled, discontinued
and ended upon payment of your costs only.
MELVY~& ASSOCIATES, P.C.
BY:_
JOE STEINMAN, ESQUIRE
Attorney for Plaintiff
Pursuant to the Fair Debt Collection Practices Act, it is
required that we state the following to you: This is an attempt
to collect a debt. Any information obtained will be used for that
purpose.
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