HomeMy WebLinkAbout07-4167
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
ARNOLD ROOK
Defendant
No : d''~ - ~~(p7 Civ~ ( ~~~YI
COMPLAINT IN CIVIL ACTION
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 2718
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06043769 C J Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No
ARNOLD ROOK
Defendant
COMPLAINT AND NOTICE TO DEFEND
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 any other claim 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.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at
3700 WISEMAN BLVD. SAN ANTONIO TX 78251 .
2. Defendant is adult individual(s) residing at the address listed
below:
ARNOLD ROOK
143 BRICK CHURCH RD
NEWVILLE, PA 17241
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 5184450070130715 .
4. Defendant made use of said credit card and has a current balance
due of $12403.21 .
5. Defendant is in default of the terms of the Cardholder Agreement
having not made monthly payments to Plaintiff thereby rendering the
entire balance immediately due and payable.
6. Plaintiff avers that the Cardholder Agreement between the parties
provides that Plaintiff is entitled to the addition of interest at the
rate of 6.000 per annum on the unpaid principal.
7. Plaintiff avers that the Cardholder Agreement between the parties
provides that Defendant will pay Plaintiff's attorneys' fees.
8. Plaintiff avers that such attorneys' fees will amount to $1500.00
9. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the principal balance, and
accrued interest or any part thereof to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant ARNOLD ROOK INDIVIDUALLY in the amount of
$12403.21 with continuing finance charges thereon at the rate of
6.000% per annum from June 27, 2007 plus costs.
James Warmbrodt,42524
WELT WEINBERG & REIS CO., L.P.A.
436 ev nth Avenue, Suite 2718
06043769 C J Pit SJS Pi sbu gh, PA 15219
(4 2) 4 4-7955
F 4 2-338-7130
This law firm is a debt collector at/~empt/~ng to collect this debt for
our client and any information obta¢ned~Will be used for that purpose.
.,
Statement for axount numbs: 5104 4500 7015 0715
New Balance payment Due Dab Pant Due Amount Mtidmum Payment
$1z,a4z.z1 ON1tiW7 $2,~7.ao $4,587.21
~ Malu your dock pyabNto chime Card asrvkea.
Amount Encbsed I $ ~ New aedrees or e-md? Pren on mdc.
518445007013071500458721012442210000006
CHASE ~
oeo~al:xa„om0 IrrrIllrlrrLdrirrlrrlLrrLlr,rrlLirlrrrllrrl,lrrrllrrllyd
ARNOLD ROOK
149 BRICK CHURCH RD CARDMF7rIBER SERVICE
NEWVIIJ.E PA 17241.9704 PO BOX 15169
IrrdllrrrLdddrd.rJILLrLrJlLrrdrdrlrrLdLlydd WILMINGTON DE 18866-b159
1: 5000 i60 281: 40800 70 L 30 715 2N'
Openktg+Cbeing Date: 03x21/07-OU20r07 CU8TOMER 8ERVK:E
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Due:
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CHASE 5
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666.M 39908
TDD 1•N00.965dlOBO
PaY by PltOrte 1.800-4367958
Outside U.S. cell coNect
1.902-594-8200
MASTERCARD ACCOUNT SUMMARY Aeearnt Number: s/84 4500 7019 o71s
ACCOUNT INQUIRIES
Previous Belerrm $12,405.21 ToW Credtt Line $10,800 P.O. Box 162l~
Purchaeee, Cash, Debits +$99.00 AvaNeble Credit $D VAlmington, DE 19860-5288
New Baffince $12,442.21 teen aoceee une
AveNeble for Cealt $1o,eoo
fD PAYMENT ADDRESS
P.O. Box 15159
Wllminglon, DE 198865153
VISIT U8 AT:
www these con/crediM nia
Vau hevenY made Nre required paymenffi and your credit card account ffi 150 days peel due.
Vou can aWl mm thugs erotrM. CeN ue today et 1.855.792.7547 (cdlecM 1-302.594-tS200) eo
that we ten find a adutlon br your eltuallon.
TRANSACTIONS
Trene Amount
Deb Rebrerrce Number Merchant Nerre or Trenaection Deecdptbn Credit Debit
04175 to ~
FINANCE CHARGES
Finance Charge
Deiy Periodb Rsb Correep. Average Daly Balance Due To Treneactlan Accumulated FlNANCE
Category 91 days in oyde APR Periodic Rate Foe Fin Charge CHAR(iE8
Purchaeee .ooaao°~ 0.0096 $1z,41o.7s $o.oo $o.W So.W $0.00
coal, advances otxloo% o.ao% $o.ao $o.ao $o.ao $o.oo $o.oo
Total flnerx:e charges
$o.oo
Effsctlw AnntW Parentage Rao (APR): 0.0096
Please see Informatlon About Vour Account section for beterroe computation metlrod, 9reoa period, end other Important information.
The CorreeporWing APR Ie the rob of iMereet you DaY win You erry a balance on erry traneactbn category.
The EBsctlve APR repreeanffi your tool Mraane dwrgee - hrctudlrg transaction fees
such ea cash advents and balance irerrebr fees • expressed ae a penxartege.
IMPORTANTN WS -
FemNy 4 Pads: 4 Tickets b Sk Flags far Juat 99 Ddffirei
Now through June 90.2007, puroheae 4 general edrdseion
tldcete online to erry Six Flags Theme Perk end peY Wet flg
Odlere. Log an b your account et Chaee.oom b ffike
advantage of We ezduslve offer.
This Statement la a Facsimile - Not an original
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EXHIBIT
5/25/2UU7
J~agle 2 t~ 4
Address change f~yuest
FMeeee provide inkrtnatbn below oMy H the addreee InformeAon on front ie incorrect.
Street Address: ---------------------
dry:
State:
Zip:
Home FMsone:
Work Plxxte:
E-meY Address:
L
mhmtatlea AION Year AapaN
Last w BtNw CaNa: Please report your lost or mden card immedNey by
eNlrp Me Cwtomw Savice number fount on Me hoot of your abtanenl.
~ Adeun en Nmya awibbN ro sash[ you. You an Hach en Advisor y
~ DresNrtp O afar you enter your accous number.
~ CralNiaB d PapueA: For pymenb by repdar US. maY, send at leas[
~ your minimum pyment due to our post DIAce boz dwipnated for Drymenm
~ shown on tlrh statement. Your paymenb by mail must comply wIM Me
~ irotnxNoro on Ads abtament and mum be made by chwk or many order.
payable in U.S. Ddmn, and down an or prytlle Mrouph a U.S. Ihundal
irotltutlon or Me U.S. bnneh of a forNpn flnMCml IrotlWtlon. Do not send
~ ceeh. Wdu your account number on your Medr or many order. Payments
~ mum beacmmpeded by Me prymant coupon in the envelope DroNded will
ow addw vlsiNe Mrouph tlw enwbpe window: Me envNope carmN
~ cenWn moro Man one payment ar coupon: end Mero can be na abf:iw.
paper dips, bDe or cerceeportdence included with your peymas. H your
payment Ice In axoManee wIM our payment inmrudbns and Is made
wNlable to us on any day except Dwember 25 by 1:00 p.m. local tlme et
ow post otflce bw dwigrrted for payments an This abtwnarc, we will credit
Ms peymentm your ocean[ as of Mat dry. If your payment h in aaordance
with our peymaN irotnectiona, bN b made awimble m ua alter 1:00 p.m.
locel dine at our Dom oMce box dedgremd for paymwb on Mia Nebmmt
we Ntl aedl It m your account w of Me next My. II you dD not follow our
paymw instructlona or If your payment h rent sent by regular U.S. mail m
our Pat ofllce box dadpneted fw Paymenm, cradling a1 your paymwd may
be delryed for up m 5 d1Ya. Payments made dectronicdty Mrouph our
aummwd temphoro aerwea, Cwmmer Servka etlviwn, or our wN sae
wNl M suhJed to arty Drooesdnp dines duloesd for Mose peymenb.
AaeaN Idernatla Rrirwmel b CrNH Reines: We may report
IMonnatlon about your account m cred'n bureaus. LNe pymema, missed
paymenb or adur dehNb on your accous may be rdedad N your credit
rgort. If you think we hwe reported Inaccuram informatlon to a trod[
buresu, you may wdm to w N tlw Cartlmember Servme addrees Nsted on
ypur mllnp sbtement
Natke Atlal ~aNnak GtM CsaWnfea: WAw you Drovide a check es
payrnen6 you auMorba w NMwm use iMormadon from your dmdt m make
a one-tlme NectrMc futtl ImWr from your acaouM or to process Me
payment w a check haroutlan. When ww use mfomwtlon from Your dude
to make en dedroNp fora irmNw, frnde may be withdmm tram your
uceum w Boon as Me same day we recelW your IeymeM, std you wiW not
receWe your Medr beds fran yow Ikunchl kbMutlon. faY Am customer
esMce number on Aaa sbbmeM if you hwe quedoro eboN Nactrodc
duck cdNCtion w do mt went your peymanb collwmd amctronkNh.
CeMiYaeal Paywab: Arty payment Meck or other forte of pymeM Met
you sand es Ica Iwo then Ma hit baance due Uwt la marked'pafd in fill" or
cemdro a Nmibr nWYOn, or that you oMerwies tender in fill sNhhctlon
N a deputed amours, mum be cant m pM Services, P.O. Bw 15019,
Wllminpmn, OE 19850-5019. We rwrve aq our dphb regaMinp these
peymmb (a.q., If it is dmennined dun is ne vNld depute or If arty such
check is receiWd a[ any odor address, we mry accpt Me Mork ant you
will stYl owe arty remdNnp bdanee). We may rNuee m ucept arty cunt
payment by roWminp k m yoq nw ceabrip it ar dwtroyinq it AY othw
paymenb MNyou make shook be wet m Ma appropnme pryment address.
Aaad &aewal Nalbr. Ii your accoum Im m annual Iw, it will ba billed
wM ywr w in mantNy ItuW W enb, wheMsr or not you uw your uceuM,
and you spree m Dy it when baled. The snooty fes anon-refundable uNees
you Hotly es dot you wIN m done your account wmtin 30 drys of Aw ilea
We mill your sblament on wMM tlw amesl fw to MarpeO and N Me name
tlme, you py your outsbrtdnp baance k IuN. Your payment of tlw annW l
fee does not aNed our dgAta m does your acwunt and to IIMI your Apln to
make trauaetioro on your saounl 1f your wuum is domed by you or a,
we NN continue to charge the amluel lee atilt you pay your outsWdnp
babnq In WN end larmlreb your account rWtlabhip.
FiAhodea N Flaaace Ciwgea: We nycumm pedadk flrwue dbrpes,
ueFp Me appliceble periodic nbs shown on tlda abmmen4 sepanbh mr
esM tartan (e.q., bemrxx traneferhomenience Medb ant cash advance
Meda ('chwk tranaectlar7. Durduaes, balance 6anNero, cash advawa,
premotlorrN bNatces or owMroft advances). These calcubtloro may
combine different ptepones wIM Me wine dilly peso0k raw. If Men h a
"Y' next m a pMOdc nm on Mh anbmeM, Amt nb may Wry, and the
iMw ant mugm used m determine tlut rataand as conwpondlrp APR are
deudbed In your Grdmember ApreaneM, es smelled. There h a
minmum Anance dmrpe m arty 6NIInp yde h wNM you owe arty Dedodic
fironce duryes, and a tnroeetlon firunce dur0e mr wclt Mmnca transfer,
cash adWnce, or Mack tnnsed'mn, Mt Nw amowtm anted W Your
Grdmembw ApreemenL u anended.
To get Me ddy baance mr wh dry o} ill current 6ipinp cycle, e/e mks the
Depinninp bWnce for wM isemro, sdtl erry row haroaesoro oroMw Mbar
(Mtludnp Ica, unpaid Arena duryw ark otlrw eMrpes), fubtrut ay
paymenb or indite, ant make otlar adJustmems. Tmesetloro ere added
w of du hanwc0on dam, tlw bepinninq of tM WNnp cycle in wNM thy ue
posted m your account, or a mar dw of our Mdce (wcept tlut check
troroadiona aro added es of Me dam depoeimd by Au payee or a mar date
N our Moice). Few are added sinter an dw date of a relabel traroedion, Me
deb Mry w Doated to your account, or the last dry of the 61111np cycle. This
Dives ua MN days deity balance. A trod[ bdanca h [rested as a bNance of
zero. If a dNly Dariadic rate applies m soy lesture, we multpy Me ddy
baance by Me daih penade nle to qm your Dedodic finance Margae for
Mat dry. We Men add Mw Dedodic fironce dbrgw m your ddh 6dmce
m pm the bepimvnp baance mr tlw Had dry. (II moro then one eNry Dedodic
rata cold apph based on tlw avenge ddy balance, ww wIY we tM dNly
tlw Wllrq eyNe m nlcdemrfhe dewlywpeA k Arownce days esM yy.)d of
To 9N your foW pedadk finnce dwrge mr a billing ryda when a dilly
peAOdc Hale) apple, we a0tl NI of Au dilly peAOdc flronce durpw IoraN
IwWra. To determine an webga dNly 6Naice, we add Yow deity bWncea
and tlh1rN by Me nunba of tlw days In Me applicable mllinp gde(a). II you
multiply tlw avenge daih balanca mr each feature q' tlu pplkabla ddty
Nt ~ appY~k bllMrtp cydN) and otlwn ewddr k oft be «r Wb mpethK Me
mW wNl oho egWl Aw DedoOk Arena drrges for Me bNarp ycm, exceDl
mrmmorvaMAona dlw m rountlkq. To gNyour mW Dedodic Imance charge
ror a bYtlnp yda walen a morroNy periodc bte(s) rpplhs, mNApty Au
aW ape duly Detente for wh Iwture try Me epplkable moMhy Dedodc roe
and add Me resNb mgeMer. TM mbl will east Me pedatlic Aronce duryw
for Me billing cycle, except for minor Wrmtlonl due to roundnq.
Brea PxIM (N testy YO loyal:
We accrue Dermdk fironce durpw on a hanWCSion, fes, or Anence charge
from Me deb it m added h your day balance untll payment m ful h
nceNetl on yow aaouM. However, we do not durpe peAodlc brtance
Merges on aw DuroMSr bYled duretp a ailing ryda H ww nceNe boll
prymmt of your Naw Balance on your cunent anlement hY the date end
tlme your paymaA is due and also payment of your New Bdance on your
prwbw sbtameM by Ara date end time your payment was due Thera is M
grxe perod mr balance irorofen, cash advances. check traroactioro, or
oWMnH advances.
m NIfBw, If ban la a °DwYhbB Praaotlarl Flaeshl' wtloa a
Wa eMataaaL you will not incur pedodk Arwnce cMrpm on any
RamaHnp Batence lint aPpwre In tlut aed'wn d you pry tlut balance in hp
by Me applicable Expintlon Date. To wD'M Anence charges on new
purohnes wtun your New BWnce InduOea airy RemNMnp BNance(q In
Me Oudhinp PromoDorW Rrondfp section, Dry your fill New Balance
minus the total of those Remairinp 8alanca(s) by Me date and ume your
teaymem Ice due. Howwe6 it your sbtanent shows MN a mlNrnum pymem
m due, we muN recNVe et Iw[tlml miNmum paymem by tln date arW tlme
apedfled on Your NabmeM, wen if your New Behrwe conNsb Doty of
Dwllyinp PromoAOnal FlMndrp DNances.
AhD, hr soma 0118111yinq Promohorul Flruncinp 6ahncw, peAOdc finmce
charges accrue dudnp the Dranatlonal period but are not added m your
account bahnca. Instead, My axumdete iron blllrlq cycle m bitting ryda.
This h nlerced to es'dehrred IMerem.' If a dderrod Inbrwt Duelihinp
Promotlonal Flrondnp baance h not gild in Wtl Dy Aro applcable F~Intlon
Date, Me dehmd flnence Mayes will tie added m your account es soon es
tlw tint day after the Expinlon Dam. FuMw, if you default under the arms
of your Cardnembw AprwmenL Me dderrad finance durgw will ba added
m your ucotnt as noon es the dam of dehWl.
BILLING RIBHTB BUMMIINY
h Cap N Firon w OwNwe Atom Yew MN: If you Mink your bill is
Ce~rdnemMrpService on a laepenb shwalM P.O. Box 1515289 WNmmpmn. DE
29850-0299 es soon es pwdbh. We muu Iwr from you no later Aun W
dye efts we sent you ill Arm bNl on whmh Me ercor or problem appwred.
You CBII Idephoro W, bM ddnp so wit not Drwerve your Aphb.
In your letter, give ua Me mllctmn0 mmrmatbn.
• Your trans ark account numbw
• The tlolmr amount of the auepected wror
• Oeuribe tlu snot and exDlNn, if you cm, why you hNIeW there is an error.
I1 you need more inmrmeaon, deuAbe Me ibm you are unsure about.
You do not haw to pay arty mount in ouesUan wWh we are iwestlgNinp,
but you an sill obNpenO m pay tl7e part N your bHl Abt are not in
euestlon. Mlle we fmwtlpem your guesAon, we cannot repod you es
delinquent or INa actlon m cdlect Aw amount you guestian. If you have
aulhodzed us m Dy Your trod[ cant all wmmatlcally hom your ewn0s or
Medtinp aceorrit, you can sing Me payment on arty amount you tllnk is
wrong. To amp ill Imymas. Your letter or ceY (using Me CaMmember
SeMce addess or 1Naphone nunbw shown on Mia aMemenq muN reesh
w at IesN Mroe bwlnees dye DNore Aw autamatlc pymenl is schetlub0
to occur
Aeedd Beh hr CnAN dA Partlaaes: If you hwe a Droblem wkh Me
AuelNy of pones oraervices tlutyou Durohued will a credit cent lwdudinp
pumhwes mMe will a Meclg, ant you have Mad In pond faint m cones[
Me problem wkr rice mwdwnt You may not hwe m DeY Me remNNnp
amoum due on Me popde or esrmcw. You here Ada Drotectbn Deny when
tlw pwchaae Dsee caw more Awn S50 aid the Durduw was made In your
home shin or wIAM 100 mNw N your mNNrp address. These Ihnibtloro
do not appy if we own or opwan tM marMaM, or if we ended you Ma
aweNSement mr Me DroDeny or seMcw.
MA021207
a ueatantineag(e.~anl#arce.net/Stan/lop/Jauttl~viceet~iyaop 5/25/2UU7
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~ard~em6er A+greernent
ACCEPTANCE Gp-till5 AGHEF1KEPif roemonL
This agreamentgovarnsYv°r creditcaruseolunuracceuntkcove dbylhhagdcar er
conteininptMcprdtarrhhaecounLMY ~ uraceountYoupromisato
Plsese toed rho entire agreement and keep N for Your records' You author@a us to pay
for and cfiorpa your account for eG rra! e cpu~ u W°aQ ss arty ices pr finance chor4as
pa us(oraGVansactinsmadaonY 1o siherandinditdd°sllY.isrssponsiblaforPaYi°q
ll this is a joint account ppch °I Yau, 9 cn! one of ou
ell amounts owed, Dupe i ~~ crodit carduwhan you receive it Yw wrl b ofoourtrad oven i~
pisasa sign the beak of a authvdzed by you rise your eceaunt Iar say p P
u or atryon u use your aeeoum ornot you veil be bound by this
agraementrTyo accord Whptitsryo ureard and
youdonYsignyo ouraeeounLwdfiin30daysaftarroceivtngY°
e graemerrt unbss you uncei Y
you have not used Your account for arty ptrrP°~
our and'yonrs moan aG
he is~suharuof yourpcredd trrd and account The words'yoa'.ayn Chase Beak U50.
onabk inr camplYln9 with U'Is epreement,indudiag the persanwhp eppryed
persons rasp arson to whom ova sddrosc W1Gnp yie(snraats, as wag es arty'
tar the account and the p pmdt you
cc c hsrJaeeess dtrvttes, sash aataecount numbers.°thalrwe have issued Ic Poro car s
toobteincndaundarrhisagreement Tamil or
USING YOUR ACCDUfJT q
Your account u o consume ws agrao or hls reglulred by law, w tivi6 not ha respnaibla
household parposas UnNss urchased or leased Urrough use olyour account You
for mercbondise or services P larvafidondlrwlultnnsatUpns foraxomplp,mlempt
promise to use your account only
pambgng meY bo igegel m sortnissibla trance Uonzr_ rid you~vn~ is in nspronsiblp for
use your account only (ar P
fi:yrnq !or n uapteclioo Doan if it fs not permisslblo
Types oiTran:aUionr. tls nraorvrtes_
• PurcbnsaeYou msyuse your card to pay lor'¢oo
- Cheeks Wa maY Provide you each advance chocks or 6elenea transfer cheeks ss e
wsyr°ussY°ureacaantW ioflsoodsorservieres, oluagpslerbalencastoyoureccount,
You may use a cheek m p Y g ou may not usp theca chocks to Vaosfar balances m
or for other uses we aG°w But Y
this account (rpmotharriotedon aiheckmeysipnthahe kCashadvanc~hacks
person whose name is p u We me tranl
aro treat+d es ash adveneas ends pmenlu cnyoflorwameka nyuted os btYanca
uonsfers axesptes Hated in thlr apt
tt o wa Cs9 tom nfnrca hacks and thetwp indieatadln You ato su6f a Ltpathe terms
forcash ad„ancps, tttaY be treated ec cash advances and assessed cash advanco retes
and tees
• credd. cars%strers o other! riders tubdtis accoord• rx vlAor balemnc tr•alnsferswe allow
Btrtyou rt ay riot Innhr balances u this oceount from other accounts whh us or rim'
of our related cornpadas.tf p P°pcess as anlal bePoncle tronslerrup b~yourcevailabla
avala6le zraditGna.we may p P
°rodrt fin•
- Cash Advsoces: Yoa may use yaw card to gel cash from putvmodc tetlar rnactunar, of
from GnanmpnaY o ~,rwits trsn tershor slmr~'ler cash•lice charges, or to abvin lottery
currency. chi s reeo treekwsgars or for timgor baltinp Uoosacpvns Yau
tickets, uslno gerainp P . , 4 antnn urba>,p4 and Mllthe pnYtn°''
mtlyalsquseatNrrd:sdysanncarnma ,+PsYm Y"
is this acenunt. acwunlwiUt one al our related
• Dvprdralt Adroacex G you hevo an ergibla hpc~roccount vriUr our rotated bank to
behks. ytro mey fint (his aeroum to your ehockinp
cover an overdreh on Ural checking account under the terms of this agreement and
your checlanq account agraomant
8tlllnp Cyeltc In ordprtarnenspe your account we divide time info periods caged'bilfing
tyclos'.Eechbilingt:ycbisapprvximetelyonemonlhinlpngUt Poreashcpl°ndarmonth,
your aecountwig ht!n apeb calendar monthwhiather acorn ttth~~a s o billingwstlatnment
biTGnp cycle ending
lorthotbllfm9 cycle.
u allow someone to use your eccounC that person v+iG a an
Autboritad tierce: II yp
nuthorized vser_ Yov should think careluG~ before aGvwinq vpyone tv become s
eurhotized user because yyvv are ppovdrng at parsaa to use Ihp account as you can
Yau will remain respmrsPo~la Ior rho use or your account and each card ireonsib7 Y tar
account aczrording Ie Thar eecovnl miodi by anaeuthoriz d sots your rose ~
paying ag ehergas on you
yvy may n;quom en addnfonal t:ard for use by en auUtorftad user va your acrorrnr y"~'
do so, this sec r,nt may eppi°"• on the croon report of that puthodtec tar
you nvtifyusrwern ycla~r5athoatcoun snd<oriscuvanewlsardorcardswithapdittsronl
aeeountnumbse You shoud also recover pnd destroy any cards, thacks ar any other
means of ecerss kv yoar aet:ounl Irom that authorized user ehe tel°r to the
Frodit i.Jnn:Yaur crednhna appears on Emil Yovgb!Ifing etatemeal also may show that
cradrt6ne es a waddGmitor spending
cesirandvance chacls, are charpod again IUte rich advance portion of your credlirt~Grrirog,
end aG other vpnsacdens ate charged against your credlf. Gna. You an respansiblp for
keeping track or yarn pecourtt balance, including arty loss and finance ehprgea• end
making sure It remains below your craour an ovafrlimlt fee as desclribad In titter gteomen~t
Gne Iar arty re acmt, wp vusY charge y
Wamay,butnranolrequiradro,auihorbechargasthatyygorrvarYomcrp~uW eskvYo tot
PPa~y arty amount over Your cre balance ove~uaar cridlt Gnemmediptaly
'ibis epraamprd applies to any Y
AI our dreerelion,wa'mayincreasa, reduce, of cencol your cred'AGna, or the cash advance
poAioa vi your uov tcredill'ma A change to your credh Gne wBl nut eNacl your obGpaliort
wiMnotincreesay
to peyus transaction that you
Intoraattonal 7ioasactiona: IntvtnaUonol vansecUons lacluda arty
mako In a lareignafrrrontyor (hot you make outslda of the UnUad Stales of America Yisa
d it is made m U S doiars U you mate a transaction In a loralpn currency,
Int>mtatSonal trc kieslarCard Inlarnationel, ln~, wg1 eottven Ute transvction into U 5
~ntgity uces~o convoM1 ca onryris acnta that loselects either from the renpeaof ales
evaflobie In rho wholasala currency markets for rho appGcabla Processing dale (which
rite may vary Isom the tau the raspac[Ha entity itsal! reeervasl, m rho
povatnman~•~bted~o auingdplamaydHaringmtharetaonslhedatayovus dyowterd
ontheappfi tr P
yr a eeourR tYUe tetaNe imaa me donel uaosecilon, whether thattrensaefion was oryplnegy
U S doiar smouat of any
mode in U•S. dupers or was mado in anothor wRencY and corrvprtad to U.S. dogers by
Visa or Ms=te:rCard in either ease, Iha J% w1G ba eeieulatad o° 1hi ~•endintemaU net
provided Ia usbythatantity Tho cams process end cherpas may app Y Y
transaction is reversed
RefncattaAutborimTraD+~l,afullowingta sonsonottaquiredla,decgnsavencection
on your a ccannt for enY
• because of oparadonal considerelions,
• bseeuse your account is in daleult
. it we suspect freudulonl ar unlawful activny or,
• in :ter j'>s:r.,rioa !o: cry other reasnn.
Wa arp not rasponsi6le for any losses 11 s transaction on your account Is dacGned for
any reason, either by us nr a thltd party. even it you have sulfirionl credit aveilebte.
(br online transactions, we may requite that you register your account wish en
euthorizetlon system Utel we select Wo vn'11 notify you it we went you to register Il you
do not repistet we may dacGno your online trenseetions
Belusal to Pay Cbscks: Eeeh chackyou u rr eceaunt to daeideowhetharVtor atnhodzachat
e cheek for payment ore may review y
check Wa ~y,but pre net required tD, njact and return unpaid a cheek for any reason,
lncludmp the foiowfng examples:
• Wa of tma o(our relalod eompartiss Is the payee on the cheek
• Yout eredhGna attach advance por4on o{your craditGno has been oxceedad, vt would
be axcaadsdi(wa paid the rback
• Tha theekfspost-dated II a pest•tiatDn+(bi; k is paid, rotult'urp in another chectbeing
rtrwnted or not Paid, we era not rasp . _ _ .
•You have resod the aback abet the date specified bn it
• You arp in dalault or would be If we paid the eheck_
u~ ntha~ meemrRete itccess your ecounltis~lost m stolanyar You think omaona u od of
may ass them without your permission, you must notify vs et once by eaiGng the
Cerdmambar Sarvica talophone rive bevrashgO ~u` cY°~ CheC~ ecclount ntumbpr aD char
vac your acctwnt aheryvu notify
means to aeeassyour eau nout~usvof any lossrtheh or utrm rho rted usorre Bled to your
ereditprivilageswheny k
account
Yntr may hn. plhla ri thorn .c dnenrtinrbed ass of ;~Y: er.mnl !•t-:n w~ita i w•r rr_:n-
no bonafd, butyou wBl not ba Gpblo for more than SSgDD of cueh uansacGorts. end you
wit not ba Gebla for pity such vansactlons made alter you notify us of the loss, shah or
unsutitoriz¢d usa-Aowevar, you must identify for us the unputhorized charges from which
you received rro benefit
WemeyrolgsUisou fa ~r°vovrdpe eomplyrnrwid~ c Hem procedupas i n co naclionawithnour
We msy q
imrostigeUon.
PAYNfEN'rs yy
payment Inslrueiisnr. Your b1Gng stelae mauls end sets fonhr the dotal and Ume by
insqucUons you most logow far mekinq.p Y
which wv must recriva the payment
Yov agree to pay us amount You owe fn U S dollars drown on funds on deposit In a U S.
gnpnciel instRubon or the U S. branch of a lorofgn finoncinl institution usln~f fomrcels
rhack, moneyordar or aulometie dobitthetwi(ba processed or honored frYy
raslored for up rv 5 days abet was oceiva y°ur payment i eveAsble crad'd mpy nor br
Any payment check or other la•,n •tl nn;:nenl which yos send to trs la• Irxx then the lul
r• Donee met is markod ~eeid in iuli or with a similar notation or Urmusl by sent l sus~et thr
In lug aatislsetivn of a drspruad amount IeondiUonel peymentsl,
cndit3onel p h enrnaotdsrefror sxampleYljutmodne arm nod Ihara fr nasvriGd dispute or I
regarding such p y
any cuehpaymontrs roeelvvd at arty other address we may accept the payment end yor
wit cull owe any remaining balance Wa may re~uso to accept erry such payment b
returning it to you, not caching it or by dscvoying it All arbor DcYments (hot you mek
should be sent to the copular payment oddrosc shown on your monthly statements
ones ntmanurrdnny eprezenunanLahom hsbankecr:olunrtonwhie athachectlsdrawr
Dur raeelpt of Your payment chocks is your sutharl7eUon for us to eoiectth~ I ~ IT
EX
the check olocuonicslly, or, it needed, by a drab drawn against the bank account
Payment checks wUlbe sollocted aleevontcally bysendinp tl+e check amount along
i with the cheek, routing and eccounlvoo receive your payment The or genet payment
be debited es early es the soma day
cheek wUl 6o desuoyod and an imago will6a maintained m our records
Minimum PrymonkYau agree W peY et least iho nnnhnum Payment dumenl is due
on your biU'mg statement so that we receive it by lho date an a ~~ ~utl amount you
You may pay more than the minimum payment due end may p Y
owe us al any time. it you hove a 681e1n 6naneoitherglasbecsuse luroncertharges
soonatyoupeyus,thelescyouwiUp Y
accrue on yourbaienco each deY
Naw9alaneetonyourbtiUing~strtomendiittheNawBelonesisSlUP-Darilassey uor
minimum Qaymetd due wig ba the Now Balance. D;herwtsa, it wBl ba the largest of
fatal dad p dodi~eta fin rice chergas~end ony bID d late and ovatlimitloosn As
part of the minimum paymerd due,we also add any amount past due end any omount
over your croditHne• moots
Poyment Agocatlon:You agree that the ere euth6rUad to agocele your pay
and credits M e v+royy that is most lavoreble to or eonvanienl for us. For axample,yau
euthodto us to oppfyyour poymants end cradlls to belentes wrath lower APRs Isuch
as promotional APRs) belnrv baiantes whit higher APRs
Ciedlt Baiantas; You moycragdrl hafencevbythe amount of now cherpee or lees billed
rrdueethsemovntolany
to your eecounl
etc untioCapeatUOnso Uonslorexomplel,monthquU& t harpeslmemborsh-ps
andinsuraneepramiutns) Itautomeliechergss erestopPad~escn or yew acleaunl
bseeuse your steount is closed or suspended for arty n ;bass charges
number ehenpos,yon ere toeponslblo for nottfying the bU1rr end peYi p trim
directly 1(yow ecctwnt nitmbar ehenpee• wo rnayy, but era nottequ•:od ta, psY
your new eaeouninumbet cherpoc that you aullsmiced to be billed to your oM steount
numirer. Y
Promotions: From cu ibouttho terms of theeoHar end how fang -hsYvnll ba in oNacl
do, we wUl notiiy y
Any premotlon is aubjeet to the terms of this agreement as mnditiod by t s
promodonaloHoc
FINANCE CHARGES
potty Periodic gales and AaauedloUrrca~0o~` alas eraoUstod anathe~Retes and Faes
('APRs't and the tort~saQondinp Y P
portodtlhCare eawo dh~do ~a hAPR by 363~ond,nroNaef1 Iwaystroundoup at 1ha f'ihh
place to the rlpht oohs dselmel point
Vodoble Detes•.One at more APRs that apply Iv Your account may very wish changes
to the Prime Nate When yon hove en APR that varies with changes to the Pdms
WeSStraefJoumaltwobudnassddeyibeloreglheClosi prDatechownonyaurbillinp
stelrment The'Pirme Rtes' is the highest {U.5) Prima Reto1wbRsAad ~ the Money
Rates section of l7w WagSVOarJoumal R Tire WegSrraet Jauraelstops pubgshmg
the Prime Rata, wa will select ° sunder ralerertcs rete end Inlormyou on your bURnp
statement w through a sepente notice
'businesis deyais enyqr daY !hot s note wa~keod oreloderal hei'ideya'the Aa ec and
Foes Table shows whleh retec, it any, era variable rates It also lists tltr margin for
each variable rate and any mtnmtum dagy parlodle rate and wrrespanding APR
Two business days betera tea Gosa-g pets sG ble map n 1o that Pr mo Rota to p ~
whet the Prlmo Reln is. We than add the app
the APR. The daRY Parlo~t rata is caleutalad es detcrdroo above
If our eaieulotlon results in a clunge to ^ dagy periodic refs Uomthip ~ ~a{ ~ ~r 9
cycle because rho cr k' beet ends in ihaaeol~indar month to which wr made the
dayyotyourb111irtg Y etiodmratelnereeces,youwigbevetopryrhtphorperiodie
calculetlan ll the daily P have to goy a higher minimum payment.
Rnoacr charge and mry me ve it a are )n default under This agreement
peteult Rates: Your APRs also Y ry Yo
or any other agrormonl You have with us or any of our related compenles for any of
the lallowrng roosvnr.
• eccotmt or loan vw'eth useoi leaslmhalmirilmvm Pa1'mam tus byihetd le and Gmo
due.
• You exceed your eradR Rne on this account
• You make s payment to us that is not honored by your book
• Tothe e~ntepowodobly~iwr,i~standlnq bans eo and wv do notreceHe payment
immediate payme
withh: iys the wa tprclly
ll erRry1 0l these events eeews,wa may inereese the APAs (Including any promotional
rate sotatedlrttthe Rotas andrFiss Tebio Wovmoy consider ho i Uowinp trat:tors tlo
opstenoo,serleurnesstendtimingolUtedeltr Its on youroee unCothorindcations
olyour account usage and pndormatnle~ end ~ el ~medon wo obtain Irom consumer
with us or any of our relrtad sump
theGirst peyolthetbUll gtcyciemwhich[hedeinuttoccu[rstroMnd-T7iaVPYtoypurlshass
'oyv : ~~
~h,~ 120,
baiantes Irom the previous bilUnq rycls for which prriodc finance charges Neva
not bean already biUod
{neree a youroAPAlup tosihi meslmum dstauU ~sta sorted teethe tfletos end faoa
Table, we reserve ow right to increase Your APR Vn the ousel of any fulwe ddevlt
siondetdiretesrim all or~safaoeteti baleneas on your eecounlleuh rotas or roinsteto
Fineries Charge Colsulallon-Two-Cycle Avnrepo Gaily Belonet Molhod ilaeludinp
Naw Purehatasf ImPureheses sod Araroge Daily Balonee Mal6od ilneluding Naw
7ronsscttons) her Otbsr Tronseetloas: We calculate periodlo finance charges
separetaly for oeeh bel6nce asodatod with a dlHaront category of lransodiohs
eashod deeehocks,overdraft dvencas,a deeehprosmotl njThesor:eleulodons
may combine diReront eatagorias with the same dolly perfodle tetra Thls Is how It
workr.
Ws calculate the padorfk Rnani:a chetpes for purchases In lvvo steps, es follows:
• Feral, for eoeh day of the billing eyele, we mulGph+ the dagy bolenee by the daily
periodic role ,
• Second, for each dgy~pt the rovions bBUnp cycle we multlply Iho daily balance
for purehesacrosdt felhel bi~np cycle by the soma daily periodic rite Novrevo
we da no! do thii second slop ii wa reeefved payment m full of the New a io~s
onyout previous hgfinH!+(atamont bythe deW and Uma the minimum paym
dus or 8 a psdndit Rnonce ehargs was already bUtad on thot bolenco
Ws eelculau Iho porlotlie (manes charges for purcherec subject to s promolianai
rate iho same way. but we use the promotonal rate
efiaeYs,erchtatlasne~ess ~ahedvan ecbaeks,andoverdrehadtnneasi6ymuldpfylnp
thodaitybatencetorsacholthosethaatVe~BfdbYK dvsncasonlyilrouhavelinked
thoseeelapwles,each'doyYoumoy ,
this account to s checking eecounl wnh one of our related banks- a erleu{eto the
padodie imonee shargas for bolenee vonslors, balance vansfer chocks, sash
edvaneas, and cash a nonce shacks subject to a promotional rate Ns sumo way.
but via use the premotlonel rata
To qrt the dailybelente lot Dash day for each eetopory.
• We take the beginning bolenee lot that day.
• We odd to that belencta ~ t Ce; gnrysYVe odd•e new urchesa, each advance,
edjustmants thsi~oppiY
balance vonslar or otrerdrsH advance, d eppGcohle, to t e daily bolmce rs of the
vanssetlon dale, or o later data o! ow choke Wo add a new Lash advance check
or bolenee Uensler ehssk to the dally bolenco as of the dale the cash odvenee
shark or balance verfstor check is deposited by s payee, of s later dole of our
choice
• We suhvact teem that brience ony payments, credits, or credit sdjustmonts l at
eppiy3e that t:aUppcryaaddtet era cradrtad os of thot day
• Wa vest a credit hetanu es a balance of taro
To gof lln beglni~ng hsleacr for each-cetsperyior the next dry, wo a Bdo ,erata
pedodle !'manta charge to the daily bolenco IfI mare than one de'dy p
touts appl1yy to s evtogory beeousv the rate foe the eotopory may very based on the
amourtf oP(ts evuege dally bolenco, we wUi usathe dally periodic rate that applies
tortha ~ die tinioneelegerpe a thtdeyaThisltagraemantyprsovidasltlortdoly
dagy p
compounding of Cmencs charges
To ppet the tots) patiodie Rnonce chorga tortha bUGnp cycle, we odd eft of the defy
periodk !moots eherges tar oeeh eetegory for such day during that billing cycle,
plus the deilyperiodic Rnencs charges on purchases, if anY ePPh:lorthe previous
billing eyclo However. it eery parladle Rnnnee rhorpo is due, we wdl charge you rat
teaelthe minimuro poriodle Rnanca charge stated In the Roles end Foas Tab1o If It
odd thal~i cunt 1o iho bt enteatorpurebesssomada du Inp the biUlnp ty Isrga, wa
The total Iihance charge on your steount Inr s billing eyely w}U bo the sum of iho
pvriodicMenceahsrgoortpi~,enaverepedagytbalente¢aclu~ pnowvensoctions)
Foreach category yr dell baiantes and dividing that amount by
for the bilgnq r:ycie 6y eddmg ell yo Y
the number of days {n the billing eyela Ii a periodic Rnonce ehargs for purehesss
made during the Previous belting syele apPflas, the average doilybelanes farihosa
purchases is calculated the same way i you muhiply the average dagy bolenee for
a catagtrrybYlhUtateg°rY~s dally periodic rate, and muidPly iho testdl by iho rmmbsr
01 days m the binmg eyete, Iho fatal will oquol tlm psrivd4e Rnanes thorges for that
bolenee anributeble to thetbiUing cycle, except for minor vedetlons duo to rou~np
Greco Period arnd Actrool o(Fnenso Chargoa; We eecrur periodic Rnonce eherpas
an s uanseeUon,•te r, or imenee charge Irom the data h is odded to your dally belance
untR peymomm IuR Isracofvod on your account Hovrsvsr,wa do notcharge periodic
~insnsv charges on nawpurcheses tdUsd during s 6iN1n0 tyela it wr rocalve payment
;.~ yvt:: Nsw Balance by the dots ant: tl~ns your minimum paymrm is due and wo
recelvod payment of ytwr New Btlenee on your provlous bUflnp atatomont by iho
data and tlme your prymenl was due. This excep on or'preco period' applies only
to purchases end doa~ not epplyto bolenee venslere, betanee Uonslor chocks, cosh
edvaneas, rash advonte chocks or omrdrah edvaneas, it eppGeablo
Troesestioo Foes for Cash Advsnsos: Wa mry charge you o lash advonte loo in
the emauntslalod in Ih'a Rotas and Fees Table for each of the IoUowiny voncections:
• tech edvence,choilSr, ,
• cash rdvencos ~ 9 ,
In addition, it you use o third Pant service to make a payment an your behalf end trio
sorvlco charges the poyment la This account wa map therge a transaction toe for the
payment
These ueas of Ute transscUn dote of trio 1:asheodvancs ForaxamplDns trnnsacU nalea
catopory
fat o cash advaneo would be oddod to your cash advance o ante
Iha amount stated in thalRatas arnd FBaS TeblDnio~oa h of ~hD )allowing transee )Dose in
• balance irens[er checks
• bdance tronslors~
These use a ~j~theluonsocl on data Di he baton edvanslor. ForaaxolmPle la lronsocdon
category
fee for n balance vanslerwould be added td yaw balanco transfer bD once
177HER FEES AND CµARDE5
F'aD Te61o ThesrteaaswRlbeaddedhothebeloncetarpurchosesmedaduringthabillinp
cyclo•
Annual Mamborsldp Fsa:lt your occount has an annual memborehip tae, hwlvlrlhothelr Dr
o ach year or in monthfY installments {ac state e l f1 whoa 6tlleddThe enntrollmemborship
not You use your account end you egreo to p Y
tae rs nontelundrbie unless you natisutomont on which -heoannuai mombarshipt(oe is
days of iha date wa maR your bli6ng
cheeped end otter samppe Umo, you pay your outstandng balance in IuR Your poyment of
right to make vonseeUonsa noyoat et: oumDllrWur a~toluM is ciosad byryou omusywe
will continuo to therge trio annual mamberthip Ise nUT you payyour oulstandlnp befenco
in lull and Iemsinote your account refatbnship
into Foo: If we do not racaiva at toast Iha tequlfed minimum payment by Iha date and
ID~teo taus hewn in Iha Relos er d11Fees Tab es II the teiebfallo Vi based on oa6eiencee we
cutr.gatu Iha I7 td lea ySlnp Iha PreviDUS BDiantB D,1 the tllrrenl r1lDnth~a StatDmDnl that
shows the fate tae This beirnca is trio soma as the New Balanta shown an the prior
month's stotemonl lorwhich wr did not racaiva olloect the requhed minimum payment
by the dote and time h was due
Dveriimit Foo: H pour accDU»t balDneo is aver your credit lino et any Umo during a billing
cycta, wen it only IDr a day, vva may charge en Dverflmh lao Wa may charge tVd05bd
oven it Wrn batanee ie vverthe eredh lino boeauao of a linenee therge ar Too wo imp
Or a V pR 00. 6uhtwuvse ~ chWDo n ~ Delimit ~ atin subsrquont bflGngacydDtr Dvenil no
billing Y
ciBdA lo'ma et arty skne duri p Iha subsaquonl bimt'yrtp cyetns unt belDnta riill Dvar your
Return Prymonl Fao: U {r} Your PDymDM chock ar afmiler insiroment is aotDhmu~ anium
Dn automeuc debit or other elDNronic peymemk niuwed unpaid, gr•!c}w
n prymont checl:.bocaut4ll is nD1 signed or tonnot be procosae~o.mey charge a
return poyment toe. ~ ' '
RBlarn Cknek Focal (e} we stop Payment on a crsh advance cheek of bairnce vansler
chock of your ragtM?JNtr{jr} wD refuse to pay a cash Ddvento check or bDlenca transfer
cheek wo may. charge a rotmn cheek tea
Adminisimlivf; ace unt ar N yovuregvesl tsvDDtx mollenr:erdetDrmany special ssrvicost{ior
record Di You
Dxempl0. obteininp Lards oa an a%padhed bos{s}, we may thart;e you iDr these sarv ces
µDwrvar, wo wgl not charge you for cople~Bl blTtrifine sossan op instlus uodar eppA able
doeumardsthatyoureyuastlorablRnpdsP fro Y
law. WD may ehorgD, Ire arty sorvises Rsted above and omor s snntas wa provide, Iha
loos Irom time to Umy 1n affect when wa oiler Iha sorvic..
DEFAULT/CrOLLEC'RON
Wa may considoryautD be la daloult it any o[ these occur.
• We do notrsedve rtleasttha minimum omouni dr+a bvNe dao and Cane duo as shown
on your billing atetemont
• You exceed your eredh line. oareemenl with one of our
• You IaR to comply with Iha terms of this epraement or orry
rotated comparuas-
pay yoturrdohts to us artio olhorc on Ume efieva thotyoumav De urlwiliing or unob o to
• You file for benWuplcY
• You become incepaciloled Dr in the event of your death.
fi we consider your account to be in defouh, vn may dose your account without notita
and requms you to peyYout arcrnl (21L} a m nth onalheRo D id balanco when welds m
intarost at the rota of two p
your account to be six or more bflRnp cycler Past due.
ycnhwiB p y Durot:oRaeUon lasts' ottDrnayf tCDSa CDUnt aD3tSyond all 01hDfaaxpenses of
anloreinp our rights under dris egreomonl
CLDStnG YDUR ACt,DUhR u coil us [o close your account we moY
You may close your rccoud at nny limp 11 Yo ,
require that you tonflrm your request in writing
We may close Yeur account of any Ume or suspend your crodi~b ivlilevgi{ ~; closra your
arty reason wtihovl Prior nopce oxceppf Ds requfrad by app
account we wig not br ))able to you tat any tonsequyacos resulting Irom closing YDUr
occount or suspending your credit privgegoa
If you or we close your octovrA, You end any suUlorirod users must immadfatefy stop
using Your acaunt end destroy DR Lards, checkc woUraraeons to access your account
eccotunt. even if h y erorm desoryp oc7sssed eharyoar eccoulrt Ise tosed end youywiA
4
bo requirod tD Day the outstanding balencD on your account according to the terms o
this aproomabrlslfca immafirloly ut e- snPiUms crier you account is elosedu to goy the
Dutatendfnp
ARBITRATION AGREEMENT
Pt.FASE HEAD TH15 AGREEMENT CAREFULLY. R PADVIDES THAT ANY DISPUTE MAY
BE RESOLVED BYIBINDtNB ARBITRATION AAB(TAATIDN pEPLACES THE RIGHT TD GO
TD COURT. YDU- Will NOT BE ABLE TD BRING A CLASS ACTIDN OR OTHER
REPRESENTATIVE ACTIDN IN COURT SUCH AS THAI IN THE FDRM OF A PRIVATE
ATTDRNEY GENE{iAl ACTIDN, NDA WILL YDU BE ASIf TO BRING ANY CLAIM IN
At;B{TAATION Ac~A CLASS ACTION OR DTFIER p,FpRESENTATiVE ACTION. YDU Will
NOT BEABLETp13~ PART,DF ANY CIA55 ACTION DR DTHFA REPRESENTATIVE ACTIDN
BAOUGHTBYk Y,~~ON.INTHEABSENCEOFTHIS ABITRATiDNA6REEMNT,YOU
AEPAESFNT A
pNp 1ME bAAY i)1;FiERWISE HAVE hAD A AIGHi OA DPpOATUNiTY•TO BR1NG CLAIMS
1NACOURT,.BEFOAEAJUDSEDRJUAY,AND108TD PARTiCIPATEORBE REPRESENTED
IW A CASE FILED iN COURT BY OTHERS UNCLUOIN6 CLASS ACTIONS AND D'iHER
REPRESENTATIVE ACTIONS). OTHER R16HTS THAT YDU WDULD HAVE IF YOU WENT
TD A GDURT, bUCF~I A5 DISCOVERY OA THE flIGHT TD APPEAI THE DECISIDN MAY BE
MDREUMITED gCCEPTASDTHFAWISEPAOVIDEDBELDW,THDSERiGIiTSAREWANEO
Biadiag Arb11re1ion, y}dsptbitretionApraornstdismade pursuant to a vansactioninvDlving
interstamcommgrca,end9UBC.5118ashmeybae endrdThisArhivo onAgreamaant
ArbhradonAelhha FAA'},
sets iorth Iha eircumstsndos end proeaduros undorwhieh elvims las defined below)may
bo rosoived byerblUadon lncteo of haing RUgatad in court
Padies Cwared.Forthe Purpocos of thicArblveGon Agreamont'we ;'us ; rnd'our' also
includes our parent substdleriee, effigotes, Ucenseas, pradoeessors, successors, assigns,
any purchaser of your Account and eA.of Utelr offieDrs, d;roctors, omplDyeas, epenu,
and assigns or any end op of lhom• Addtdoneily,'we ;'us end'ouf shell include any third
ynrry providing bone6ls,services, ar products in connection with trio Account f ntluding
but net limited Iv cradh bureaus, morchenu shot aecopt any cradlldavicD Issued under
,trio Account, rewords programs and anraRment soivira:, trodit tnsurenra compcnles,
debltagecil sueheUrirdpartyi nomodbyyoueseeo dDland nt nanyClcimsyouessert
i!, and Doty ,
against us
Claims Covered.. Either you or we may, without the other's consent elect mandatory,
bkldinp erbivotlDa of any Balm, dispute or convovorsy by ehhor you or us egeinrl the
-olltor, or epainstlea amp Dyne, peronls, subaldiarios, eifiketos, benaflclorios, egonts or
assigns of Iha o-hat edsfig trlmr or rolabnp in~eny way ro the CDrdmomber Aprnment
Dnyprior Ctudmombar Agroamerd, your crodn card Accormt or trip edvortisinp, aPpRcetlDn
or approval of your Acwunl {'Cleim'I•T1tu Arbitration Agreement povorns dl Cloims,._-
wheieer such Claims era bread on low, stetulo, contract rapulaGon, ordinenee, tort,
common low, coDSUlulional provision. or any legal theory at law sash as respondaet
suporiDt Dntry other legal or equitable ground and whether such Clahns seek as romodies
money damages, penalties, InjunoUns, of doderatary or equhabU regd. Cairns subject
w thtc ArbfUehonAproamanlinelude delms repardnp the DpplieabRiry of this ArhhreUon
~-- •AgrnamontorthavaLdrgr o[.Uta,entke Cardmembarpg(aamontor eery prier CDrdmember
Agreetnant Thls prbiueUn AproemeM indudas Claims that arose In the post or brlttTN "
in trio presottl ar Iha luWre. As used in this Arbitndon Agroamonl the farm Claim is to
bD given iha 6rordest possibly maening~ :~ ~~.:cs..:
Claims subjoq to srbilreUon 3ndude Clabns shot ore made es evunlorcleims, crate claims,
caiunpmey eiDe erti IlraUoe with rocpoel to nny lush C1a1~'rtrs odvaocodi n hooiowsuR by
airy party DrpeAies•
As on excopdonto this ArbiUeUon Agroamant you retain Iha ripfit to pursue in a small
cleuas court eery Claim Thetis within Thal eouris (urisdieUon and proeeede on nn Indtvldu el
basis. II a petty rtectsty erbivalD a Cteim,thv atbhraUon wail be eondneted as an irxf'rvWual
action. Nsib~tr you nor we eprDD lD any srhiva;lon oa a Goss ur raplo~: taU:+ b+cis,
Dnd the erbhtetat shag have na suthnrity to proceed on suoh basis. This moons that even
U e class acdon lewanil or other representative action, such as that in the form of a ptivota
ottornoy genonl ectivn, is filed, any Grim between us related tD the issues ralsod in such
lawsuits w1Tl be subject to an Individual rrbitredon claim K oflher you or we so oleo.
No orbltetlon vn'D bo consDlidoted with any other rrbifration praceadinp without the
consent of eO partiae The only Clelms that may be joined In en ind'tvlduDl cation under
this ArbitrotiohAgraementare ill those b ouQr Accounl.gorh otirahalrs Dr your tnratea in
join) eerdmom6pr, of eutholhod user auyond an eo-s icon Dint eardmembor, or
benkruptry or 121 those brought by yo Y PP t l
au-horlted user of ylwr Aecovnt or your ricks or your wsloo in bankruptcy against us
InIUDlion of Atditretioa Tha eetry fiinp a Claim in arbhraUDn must choose ono of the
iolbwing two arb{vetion Ddmmtsir^torc American ArblveUon Assoelatior~ of NeUonDl
ArbWalrah Forufn,Thoce edministtatarc ore independent Irom us The edmirdsvetor does
,not eondud Ihaarbitratiop ArbflretlDn k t:onductyd under iha rules d U1r selected
erbhnredoh adlh sector by an fmperUal third party chosen in accordance with the rules
of the soleet@p rrblvuBon odminlsvrtor rhd as may ba provided In this Arbilr:tion
Agreement. A y mbhrgtion hearing that you enond shag ba held of o plDCD chasm by
Iha arbitrator P4 erbfuapan edmlldsvator wthin rho federet judidel diatrt:r in vinith you
reside of trio Ume the Claim k [dad, or at soma other plate to whlth You and svD agree in
writing You m1tY obtain copies of the currant roles Dt each of trio two erbivation
odmirdsvstors, inlormadon about arbttreUon end rtbivrdon lees, and instructions for
InlUefinp afilvetion by contscUng trio rrbivadon edndnistratort as iDDows:
' 1llreDgjj•4oBD5 Welb sitD~ww,wadcorg 8A07711.7879i orAvanuD, Roor 1A, New York, NY
Nalionr) pibilratioa Forum, P.D. Box :0191, Minneapolis, IAN 554D5, Web site:
www arbhretion-forum sorry BAD-174.2371
Procedures Dnd few applienble ih orbltrailan. A single, neuvof orbivetar will resolve
Cle}ms.The etblvatorwiA DiUtorbo a iowyerwilh et to ost ton years asporionca ar a refired
GidA i2c:
or formorjudpa The arbitration wlg bo eondueted under the eppgcabte procedures
andrvlssotthoa-hluaUocedur emend ruestereincfonsictenlwith tfi aArblvotion
h filed unless those pr
may limn then mutant Isdls~ovory aveKebto to povaor usaTho a 6ilralor willdopply
applicable substantive law consistent with lha FAA end appgcabls statutes of
Gmitatloru, end avid ba represented by coaigmselcTho arbiuotw will t ke reasonable
have a hearing
steps to protect customer Actount information and other contidontial inlormv on,
lnctuding the use of protacuivo us.Tha erbitretoir wdl have the powarho award to a
it requested to do co byyo
Party any damages or other repel provided for under oppbubte lawsa6 ~ WTho iz
hove lhv power to award roger lo, ogainsl or for the bensAt of any p
not a party to the proeeodrnp ti rho law avlhaites sucfi relict, the arbivetor may
award putuwe damages or enatnvy teas Tho arbivator wig make arty award in
writing but nood not P~ ordus, thetorbhretorrwgl provtdosasbnel statemonl of rho
Upon s request by W
reasons for the awstd.
Costs. We wlA rafmbursa you for the lnidal arbluatlon AAnp fee paid by you up to the
amount o! 55D0 upon receipt of prom of psymonLAddhlonegy, It Utaro is a hoarfnp,
wa tnriU pay nny teas of the arbhttni ~ any rsbilieh hearing foiasr by us rvnTl ire made
days of that haarinp• T e peym. ou or us pursuant to this
directly to the arbKreUon administrotor salactvd by
grbltration Agreement All other teas will bo agotated in ksapiag wrth 1hB NIo5 of
reimburse fiAnguloes and other fees ilthalerbiuat on adminis~tretorio rarbttfetnr
delerminas there is good reason for raqulrlnq us to do so or You ask us and wa
dotormino there is good cauea for doing to Eaeh party wig bear the expense of rho
teas and costs otthat party`s chutneys, axpens,wrtnessos, documents apped other
expenses, regardless of which party proveds, for orbitr'tien and fleebloplewl In
parmiUed betowj, except that rho erhhretar shag app y Y PP
determining whether a party should recover arty or ell fees and torts Irom soother
party.
Enlorcomonl, finality, appeals Failure or any delay in ontoreinq this Arbkra on
Agreement a1 any Ms to rs uirenartdtrvtioe et ayleleriUme Orlin co ntolcUon with any
awelverofanyrlg q
other Claims Any detisisn randaredia strth arbhratign proceadinq will ba final an
hinting oh the parties, untsss a party oppeala to writing to tlrs ab'itrsUoa otgennation
within30 days of issuance of flu sward The egged muss request a new erblueUon
orpanitationn'fh pa elwr'Ur°~onsidsteglsc~ualendtl galissusss n°w logrtirwttha
soma ruins that eppl~ to a proceadmg using s single arbilreta4 and make dvcisionc
based on ihtvote o ,the metodty Each Pant ~ bear their nwn teas, costs and
expensaslat Dny eppeeh babe PsnY rney recover stty or altlees,Costs end axpencos
from nnoUrer Perty.if 1ha~j4rity pl firs penal of erbinatotc, spptyhsg aPprcobta
taw, so.detetrmineF An!vne iii srbNr°ilnnw~lta.antpfvsabla,es provided by the
FAA or other oppGeo6te low ~ any noun havtnp judedlcilon
SevarabNq, survlvoLThis ArbiVation Agreement shell survive: fii torminallon or
you and uc a ataartdngatd~beeAccounlm• such s rho i~tvirng of a now astnuntnumbar
or lha translarr{np of the betants in rho Actount to enoths~oronyourbrah Ih,
bankruptcy of any party or arty slmgsr pracoodinq initiated by yo
and (ifr) paymani of the debt rn lug by Yon or by a Third petty 1i sny portion of this
Arbitration Agreement is deemed invo0d or unonlacaebla, the romalning ponlons
shelf nevsrthelese romsin in Lorca
CHANGES TD TfilS AGREEMENT
Wacanehsngethisagreamedofanytime,ragardlsnn olr~tison Durngtnto~edd,
to your acconn4 by adding, dslailnp, or modihirtg Y P
delete, or trrodify provisions includes Anenviol farms, such es the APRs end lens,
and other farms such ac the nowra, extant, sad antortameat of the rights end
obligstions you or we mayhsve rotating to th}s agreement ModiDcetioru, eddidons,
or dolrbons era eegad'C enpe~ w e 'Change'
We wig nollly you of sny Change it required byappfice ble low These Changes may
be oNaetnre with notlca oniy, at rho Umo sated inChenya wHl apply to the unpaid
appGeeble law Unlesc we stets otherwise, any
bdeneaa on Your attount and to new Vanseetiehs Chan a and
Tha notisa w1U describe shy tights yeti may have wllh respott to arty B •
the contequancas it yon do or do not exercise those tights For example, the notlca
may riela thdt you may notify us In writing by a speclAed date 11 you do nbl want to
occapt certain Chengos wa era making II yoe noilly us in tvriUnp that you do not
aeeeplUto Chanpea,youour oulstendtng balann(untdiar the applicable ledrms of lha
wAl ba obiigetad to peyY
npreement If you do not notify us in writing by the date stated in the nvdce. or i1 you
nerdy us but then use your account eflor the date stated in the notice. you will be
your opreamed etndfall Changerctlnrprim~noircos wo havaasentayoutregardlass of
whether you have secure to Yovr seeount
CAEIIytWFDRMATIDN obtalnln information Irom credit
WamaypscioditsllyrsviawYourcradithistoryby 9
burnous end othenr
WomayraponinlormaGonaboulyouendyourottounllocradilbuourac auntlor
your failure to pay us on ilma.lf you toques! addhiona! fords on y
ethers, rNS may tepee nccount information in your name as wort es In rho nomos of
thaw other aeopts
If you think we hove,tpporlod inaeeurata informaton to a eradlt bureau, you may
wnte to ua at thq. C dptombor Sarvica address Kstod on your blfOnq sfetamenL
Ptoasa invluda y4tlr ~me, addr'asa, account number, telephone number and a brief
daccriptlon o! the proE1 m 11 evaileble, ptonso provide a copy of the credit bureau
report in quostloh We'~'g promptly lnvesilgate the mutter end, (t ovr imrosUpeilon
shows thol you ate r1g`nt, we will contvcl oath crad'd bureau lowhich wa ropanad
the information coil w)6 roquestthoy come ct rho report n we disagree wilhyou ahor
our invasUgation, we wig toU you in wriilnp or by telephone We will also notify the
credit hmaau the[ You d-repute the information unless you let us know that you no
longor:dispule the infgmatian
htOTiCES1CHANGE DF,iPEASDNAL INFORINATION
Wo wfi send cards, bllbng statamvnts end other notices to you al the address shown
in our Alas. Or, if this i~ a joint eccoun4 we ten sand blllinp stetomants and notices
to anyjoinl aeeountitolder. Nailee to ono ul you wrTl by considered notice to oU vt
you and all al you wgl romofa obgpotod on rho account
1i you chenpa your name,address, or home, cellular or business telephone number
or emoA address (it ou:eleet to receive bAlinp statements or other noilens online(,
you must notNy us ImmedletulY In writing of rho address shown on your billing
slalemant. Wa may, al, onr option, accept maNing address corrocilons Tram the
Unlled Slates Postal Sorvtco.,Wo may contact you about your account. including
for customer servile 4r eageclfoa vt any eddrosa or telephone number ec wag os
any vogular tetophonanumberyon provide us.
TELEPHONE MDNifDgUVGAND AECORDiNG
Wv,andflappfiaablo,oura~enls,moylislonloendrocordyosralewlelrp~g( oulorwo
us, You eprealhetwo, and rf appgesbla. our spools, msy dd Y
initiate the telephone ceK
INFORMATION SHARINR
You authorize utlo share tenure tnformalion ebornyou end your attountwiildn our
f emgy of companies, end with others outside our term gar on thr cards, oslpotrmlriod
companyor ergealteUon Whose name otmerkrrmY ePP
by tsw. Dur Pr(vavy Policy, vAd:h fs prutid:d t, you ivhsn you first rec!ivs on
agreomontandatlaactonco oathcalanderyaartharasiter,doscn'basaurlnlormetion
shsrmg precilces and the chalees you hove and directions you msy plus u5 about
our thadnp of inlormeilan oboul you and your account with companies or
organltaUons within and outside of our family of compvnies
ILl1N015 CARDMEMBERS
Illlrtols low provides that we rnoy not share inlvrrnoUan about you with componlos
or other orpanlzstions outside of our (amity of rompefias unless you outhorite rho
disclosure or dnless the disclosure IaEls under another exception In thr law (such
Yonttorebyiepraathe4UY°UChoosenotioexordsethe pplleableoptoutdescrib d
In our Pdvecy Paticy,you vrlll be deemed to have suthari:od us to share persanvl
information we have aboutyou fncfndlhg information raloled to anyof the products
or cervices you may hove with errp o1 our companies) with eompenles or other `
organkatiansoutsideofour(amDyoleomponias
_ -ENFDACIN6THt5`ACHEEMENT ~ •°
using our right tlo onlurce them in the future. fl i Y of the terms nt this agreement
ere found to be unenforceable, ail other terms will roraairt3n lull (ores ..
ASSIGNMENT
W~ may assign your account, any emourtts you owe ns, ar any of our rights end
obggetions under thlsepreementta a third party The parson m whomwe make rho
ssdgnmanl wrTi bo opGUod W any of our rights lhnt we assign to that person
GDYEANING LAW
7HE'[EflMSANDENFORCEMFM OFTHfSAGREEMENTAND YOURACCOUNTSHALL
DEGOYEP,Nf;O/:RrD If4T:P.PRETEC H4 ACCORDA:!!'E :Y:TIf i EDERAL U'Ar i+t:0,T0
THE EXTENT STATE LAW APPLIES, THE LAW OF DEUtWARE, WITHOUT REGARD
TD CONFLICT-OF-IAW PRINCIPLES. THE LAW OF DEIAWARE, WHERE WE AND
YUUR ACCOUNTARE LDCATED, WILL APPLY ND MATTER WHERE YOU LIVE OR USE
THEACCOUNF.
FDRINFORNUIi1DN +•:
Pl4ese call the ,Car, ~ombor 5orvlto talaphona number on your cord or bgiing
statamenttl youyou het~}~ qudstions about your account or this apraomnnt
YOUR UILUNG AIGNFS ;
KoapTbia Notice Far.;i~prluta Uso
undervlhe Felr Credit B 111agaAclnlvrmatlon about your rights and om responsibliUos
Notify Us In Lem Df Errors Or Ouastions About Your BiII
II you think your bIU Is wrong, or it you nood mare lniormation about o uansaclion
on yourbig, wrllo us wr a sopareto shoat at rho Cordmombar Servlee oddrose shown
on your highrp statement Write to us vs soon os possible We must hoer Irom you
na later Then 6D days char we can! you the first bAl on which the coot or problem
•npa:r~d 'ivy ;:an telephvre u:.bt4doiny acwS not µ~aserur, your rights
In your loner, give us the IoAewing lniormetion:
• Your noma end oceount number
• Tho depot amount of the suspected error
• Dvsvdbo the error and rxploln, it you van, why you bafrave Chore is on error II yvu
nood more lnlormetion, dvscrlba Ihs (lam you ere not sure about
Ii you have aaUtarhod us to poyyour credit cord bgl eutometicelly Irom your savings
or checking eft etol our tan8r must roach us st least Lhreeubusfness drys bolore
To stop Ihs paym Y
the automatic paymontis sch'sduted to occur.
Your Rights And Our Aesponsibllllies Aher We Aaceiva Yeur Wrinea Notiec
;- . ,i... .-,
c+~ Iia a n! K
We must acknowiedpe your totter wtthln JA days, unless wo have corrected the error by
then within 9p drys. we must either correct Iho error ar explain why we befiavo the bill
t was cortecL
After we reeeivo your letter, wa cannel W to eoilocl any amount you question, or repo
you as daMgvont Ws can eonG ~ ono oopa(d emouot gainst y urge o dit linen Youidu
finonce charges, snd wo can app Y Y
not have to pby ony quoctlo out hill Ihet ere not inaquosdan sltpotlng, but you ere sdg
obApatad to pay the parts oiy Anante charges
It we find that wa ma da a mistake on your bAl, you will) not have to pay arty
fmance ehorgosuond you will hove tlo mokeivp any missed paeymants on rhea questioned
amount In either cave, wa writ send you o statement of the amount you awe end the dote
thalitls due o ou as delinquent
If you tart to pay the amount that we think You end ~ ou write to urwi-hfn 10 dayslolAng
However, it out ecptonelion dooa not seUsfyy Y
us shot you stAl roluse to pay, we must IoA anyone wo ropon you to that you hovo a
quasJan about your Gip pnd, wo u o1 dot rho mutter hos be n settled between us whop
We must teN anyone we rayon Yo
it finally is
It we don't lopow those rubs, we een't eollotl the lust 55D 00 of the quost{oned amount,
even ii your biA was correct.
Spacial Aules for Credit Gard Purchvsoc or services thot you purchased with e
II you have o problem with the quality of propvrty
credit cord, and you hovo trio 0inthulomalni g smaunl duo on the property or earvieos
you may hovo the riphl notto p Y
This right dooa not apply to cheek uanseetions Thoro ore two AmltaUons an this rip t
(a) You must hovo mode the purchece in your home state or, it not within your home store,
within 1pD miss of your current meifinp oddracc and
{b) The purchase price must hovo been more ihon S50~A. u the
advertisement lordlha propoiriylo services operate the marcltont, or iiwa mated yo
t:opyright02gp6 JPivlorgan Chesa & Co All rights rosorved
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VERIFICATION
The undersigned does hereby verify//subject to the enalties of 18 PA.C.S. §4904 relating
to unsworn falsifications to authorities, that ~ieJshe is ~ /
~~ (Name)
of ~ ~ ,plaintiff herein, that
itle) (Company)
he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing
Complaint are true and correct to the best of his/her knowledge, information and belief.
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SHERIFF'S RETURN EGULAR
CASE NO: 2007-04167 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
ROOK ARNOLD
VALERIE WEARY
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
ROOK ARNOLD
the
DEFENDANT at 1519:00 HOURS, on the 27th day of July 2007
at 143 BRICK CHURCH ROAD
NEWVILLE, PA 17241 by handing to
LUCINDA ROOK, WIFE
a true and attested copy of COMPLAINT & NOTICE together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
Sworn and Subscibed to
before me this
So Answers:
18.00
19.2 0 ~:~%r~.d'~'~~rt ~~X~""~`--~
.00
10.00 R. Thomas Kline
.00
47.20 07/30/2007
WELTMAN WEINBERG REIS
By
day Deputy Sher ff
of A.D.
CHASE BANK, USA, N.A.
Plaintiff
v.
ARNOLD ROOK
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
No. 07-4167 Civil Term
CNIL ACTION -LAW
DEFENDANT'S ANSWER TO THE COMPLAINT
Defendant, Arnold Rook, Pro Se, hereby responds to Plaintiff's Complaint as follows:
After reasonable investigation, Defendant is without sufficient information to form an
opinion as to the truth or falsity of the corresponding averment of Plaintiff s
Complaint and it is therefore deemed denied.
2. Admitted.
3. Admitted.
4. It is admitted that Defendant made use of the alleged credit card. The alleged balance
is a conclusion of law in that it necessarily relies on the interpretation of a written
contract, executed by Defendant, which speaks for itself and has not been attached to
the Complaint in violation of the PROP.
5. The corresponding averment of Plaintiff s Complaint constitutes a conclusion of law
to which no responsive pleading is required and they are therefore denied.
6. The corresponding averment of Plaintiff s Complaint constitutes a conclusion of law
to which no responsive pleading is required and they are therefore denied.
7. The corresponding averment of Plaintiffs Complaint constitutes a conclusion of law
to which no responsive pleading is required and they are therefore denied.
8. After reasonable investigation, Defendant is without sufficient information to form an
opinion as to the truth or falsity of the corresponding averment of Plaintiff s
Complaint and it is therefore deemed denied.
9. It is admitted that Plaintiff has repeatedly request Defendant to make payments on the
alleged account. It is further admitted that Defendant has been unable to make some
payments. It is specifically denied that Defendant has ever willfully failed or refused
to make any payments.
Respectfully submitted,
~.
d Rook, Pro Se
VERIFICATION
I, verify that the statements made herein are true and correct to the best of my knowledge,
information and belief. I understand that these statements are made subject to the penalties of 18
Pa. C.S. Section 4904, relating to unsworn falsification to authorities.
_ c~-~~
old Rook
CERTIFICATE OF SERVICE
I hereby certify that on this Ib~'"day of pl Vs`~' , ZOO'i a copy of
DEFENDANT'S ANSWER TO THE COMPLAIN ITH NEW MATTER was mailed, first-
class, postage pre-paid to:
James C. Warmbrodt
Weltman, Weinberg & Ries Co., L.P.A.
2718 Koppers Bldg, 436 Seventh Avenue,
Pittsburgh, PA 15219
~~ ..
old Rook
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A
Plaintiff
vs. Civil Action No. 07-4167-CIVIL TERM
ARNOLD ROOK
Defendant
PRAEC~PE FOR SATISFACTWN OF JUDGMENT
At the request of the undersigned attorneys for the Plaintiff, you are directed to satisfy the above-captioned
Judgment.
Sworn to and sub i d
before me this
day of Se tem r 07
OT Y PUBLI
WELTMAN, WEINBERG &REIS CO., L.P.A.
By:
James
PA I. D
WELyM
271
P
rodt
A WEINBERG &REIS CO., L.P.A.
Ko ers Building
enth Avenue
rgh, PA 15219
434-7955
WWR #06043769
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