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HomeMy WebLinkAbout07-4171 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JOHN G COSTEA Defendant No : 07- ~r71 Civi I Tern-- 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 06016986 C J Pit SJS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JOHN G COSTEA Defendant Civil Action No 6~' y171 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: JOHN G COSTEA 301 COCKLEYS DR MECHANICSBURG, PA 17055 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 4357877320067103 4. Defendant made use of said credit card and has a current balance due of $3585.21 . 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 $500.00 . 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 JOHN G COSTEA INDIVIDUALLY in the amount of $3585.21 with continuing finance charges thereon at the rate of 6.000 per annum from June 27, 2007 plus costs. James C.~ WELTMAN, 1 436 Se en' 06016986 C J Pit SJS Pitts rg: (412) 434 FAX: 412- ~Tarmbrodt,42524 EINBERG & REIS CO., L.P.A. Avenue, Suite 2718 PA 15219 7955 38-7130 This law firm is a debt collector attem~:ftin~ to collect this debt for our client and any information obtained wil be used for that purpose. Page 1 of 2 ,~0/G 9 S~ Statement for account number: 4957 8779 2008 7103 New Bakrrce Payment Due Date Peat Due Amount MMknum Payment $9.606.21 06+22/07 $8.00 $1.964.21 Make your oasok payaeM to Caw Grd ewkaa. Amami Endowed ~ Nsw e0drea a a•mei7 RFt on Dads. 4357r577320067103001354210035852100~0007 CHASE O oeeez aexe„rno Irrrlllrlrrirrlrlrrirrllrrrlrlrrrrllrlrlrrrllrrlrlrrrllrrllrrl JOHN G C03TFA 901 COCKLEY9 DR CARDMEMBER SERVICE MECHANX:SBURG PA 17066.669.9 PO BOX 16165 IrrrlllrrrllLrrrlrlrrlJrr6lJrJrnllrrrllrllrrrrrrlLrLll WILMINGTON DE 10086.5153 1:5000 L60 28t: 9 78 7 3 200 67 L035tt' OperYngrCbaing Deb: 09128/07-Od/2'7/07 CU8TOMER SERVICE HASE O ~ m ~~ ~ ; ' ° ova: C ~ ~ $ , ~;„;, 3 TDD 1-000866.0080 Pay by phone 1-6IX!•436.7056 Outside U.S. ceN cogecl 1-902.590.8200 VISA ACCOUNT SUMMARY AaaountNumb.: 4a57s7Y32ttoe7toa ACCOUNT WOUIRIES Prevkxte Balance $5,685.21 ToW Credal Una $3,000 P Box 16295 O New Balance 53,585.21 . . Wllmingbn, DE 18850-5298 Ca ~~ lme ~,~ AveNeble br Caeh $0 pgYMENT ADDRESS P.O. Box 16163 WNmkrgbn, DE 19888.6153 Vcu havenY made Ore required peymenb aM your credit card account ie 90 days peat due. As e reedL your credit bureau may be updated with s negaWe retkq. Please send your payment Immedbby or cell ue et 1.800.9558030 (oo0ect 1.902-690-8200) Oodey. VIER US AT: www.drase.corNcreditcerda FINANCE CHARGES Finance Charge Defy Periadb Rate Correep. Average Deily Balance Due To Trenaectlon Accumulated FlNANCE Category 31 days in cycle APR Pedodb Reb Few Fin Charge CHAR6E8 Pumheaee .00000% 0.00°h $9,686.21 50.00 $0.00 SD.00 $0.00 Ca~haWanoee .00000°k 0.00% $0.00 50.00 $0.00 50.00 $0.00 Tobl finance charges 50.00 Eflaetlva Annwl Paroantaga Rab (APR): 0.00% Please see Inbmtatlon About Vour Aawtmt eecibn br balance aompubtbn metltod, grece period, end other knpodsnt Mtormetlon. TM Correepording APR b the rob of interest you pay when you carry a bebnce on B^Y treneadion category. The Eflectlve APR represents your kMd flnenoe drergee - inchding trensacDon tees each se cash advance and balance tranebr lase - expressed u s percentage. IMPORTANT NEWS Femty 4 Pack: 4 Tbkeb b Six Fb9s br Iwt 99 Ddlarel Now Ovorrgh June 90, 2007, purchase 4 gererel admiesbn Odceb online b any Sb: Flee Tlreme Perk end pay loaf 98 DoBere. Log an b your eocount et Chaee.com b take advantage of this exdueive o0er. This Statement Is a Facsimile -Not an original 7(000000, viseeewsoe o0o v a » warm rv,ar, oeeee un nrA Oeewf ,mo00ooe00o0eee2o, Ex~i~ir https://instantimage.bankone.net/Star/action/Print.do?null&nTotalItems=l&nTotalPages=2 5/14/2007 Page 2 of 2 ~~ ~~~ FlequeN Please provide inbnnatlon babes anry if the address inbrmetlon on troll b incorrect Sireel Address: __---_-- Ciry: __~_-__ Srr: -- Zip: Fiume Phone: Work Phone: E-meN Address: L blarmrisa NaN Yes Aawm LwtrBtNr GNa: Here report yourloN Or mden card imme6atery by telling Ne Cwbmw Swwa numbw Fouts on the hoot N your abimeM. Adwrre are dwaya wdbDb b arbt you. You rn rrd en AdAeor Dy Dressing D Mer ypu wow your rcoun[ numbw. CnNUa1 N PaymeNs: For prymenb by ngubr U.S. maN, std at lent your minimum pryment ties to our Dat sense box driprrMeA for DeYmenh ehewn a Nb sbtemwlt. Vour prymenb by maq mat comply wdh Ne iretruaons on dtls sbbmrt, and must W made by check or money omw, payeDle in U.S. Ddbn, and dawn a or payade Nrouph a U.S. firentlal inmitution or the U.S. bench of a fordpn firurabl YIStlNhon. Do not awtd wM. Wrib Your eccowt number on your check a monry order. PrymeMa mat be aeoom Wnbd by Na peymr[ aupon In du emmlopa provirtl with our sutra vbime Nrough the emebDe window, die erwdope rnnot aMdn more dun one payment or awon; entl dare ari M no sbplr, pePw dips, tape or conesporWence IndudN wkh yow payment II your payment is in aaarrMe wiN our prymeM Inalructlore era is made avdlable n w a any day ezapt December 25 by 1:00 Dm. lorl rime et our pat office box tlriOnetN for peymenb a Nia abtemeM, we will credt Ne paYment b your read r of that dry. If your payment b m aaoMwice wiN our peymrl irrmructions, bul is mar sortie b us after 1:00 p.m. local time at our post oMa box tledpretN for peymenb on tlNS sbbmmt we will credit h to your taunt r of the risen day. If you r m[ follow our payment inetruriow or it your payment b not art Dy repWar U.S. mdl a our Dat Omte boz dW pWN for paymenb, rnditlnq of your plymwn may be ddryN for up to 5 days. Paymrb mar daetroNCalry Nrotrpll our awomaud tebDhone service, Cwtomw Semce adviaore, or our web ells will N subjrt to arty procrdnp times dirlosN for tlroae peymenb. AaeeN INemmUoe RgemN b CneR Wnar: We mry report information about your account to crrtt Durres. late prymerib, mlrN aymmb or odor ONeWb on your taunt mry be rMedN N your cedit report If you ibnk we bore reported Ireaunte information to a astir[ burro, you may write to w m the Cardmember Servke addrer Nmed on your billing sbtwnrt Nofir Nest ~rheak Geri CParenlea: Whr you Drowde a check r paymrl, you auNoRZe w driest b ruse IMomatlon fran yar diedr b make a ore~lme dnetroNc fund trenahr Irom your account or to proem Ne peymrl r e check Varbactlort. When we IMe Information from your check to make r Nr1roNC faa trmMw, funds mry De iddNrewn iron your account r soon u tM sutra dry we rreM your prymeM, and you wig rat rreive your tlbdt bade Iran yow ikbnciN msNlnlon. Cal tlb cUatemw rMa numNr on riles abbmeM if you fore ques6ore ebom declrodc tluck cdbdon or r not wall your prymems alNe[N deetronkdty. CaaYdeul PaymeW: Arty payment dad a other tom of prymml Net you send w for lase then Ne fad baance due riot la marked `pall In fulP or anWre a aknlbr nolrion, or iMt you otherwir bodes in fWl aMalactlon d a daputN amount, mat M sent b dud SeMpr, P.O. boz 15049, Wilmingron, DE 19850-5049. Wa terns all our dghb nperdnq Nre payments (e.p., iF it is rbminN Nen is no vda difplAe or q any such cfied is nedvsd al ry ether eddrer, we mry rapt the shed end yea will stNl owe erry romdNnp bdwice). We may Mar b accept ary such payment by reNming it b you, ml aehinq it or drtroyMq it. AA other paYmmu that you makebMWd De rM b tlta aDProDRate prymeM adOror. AnaeN Raaeol Nalke: If your aaounl has r sorest fr, N wW N DNIN rrJt year or In moMhy Irenllmrb, whetlnr or rat you ur yow rcoratL and you agrr to Dry it when deed. TM amiW Ir b ran-refuMeble W ar you noUly w Net You wish a doe your taunt wpHn 30 drys of ties deb we mdl your sbbmr[ on welch ties amum fr b Burped and m Ne same Dens, you pry your outabMiriq butte m fug. Vour prymr[ d Ne sorest tee dog not Med our riphb b doe your acawt all to limit your dirt to make trwuactlare a your eaomt. If your yawn b drN by you or w, we will continue to eMrge Ne wmwl fee untll you DeY your outebndinp balena In lul and temirete your acawt rdatlorwhip. Epbrutiaa N Fleere Cprdr: Wa alcltleb Deflodc firence chargr, wkp Ne pplirbN peMdk rem drown on title abtemMt separetery for rd futon (e.q., Nlwrce «awierlcmveriiertce checks rd eats advare cheda ("check transaction'), Durdwsr. Oriente transhn, crh a0varr, promotlorW Dtlwtcr or onMreh advancr). Tfwaa ulcubtioa may combre ddbrwd cNaporiu NN rib tore tldly Derbdk retr. It Nrn b a "V" rem m e Dwtodic rib a tlrb statement, Net rib may wry, all Ne Index and maryN used to rtemdne Net rite rd da cohrpondrip APR are rrMN in yow Cartlmember Aprewnrl, r amendN. These b a minimum finance dmrge in am/ bllkiq ryde n wNch you owe ary Derio6c finance dbryr, and a tranartlon finance dwrge for each Nbna transfer, crh Nvarae, pr Cheek tronretlon, h tln amormb salt In your Caromwnbw Apnemri r wnended. To gel Ne dNy Ddance for each dy of the cumM biting cycle, we bke tM bpimkp babna for rrh hrirn, add try new trvrrdab orodier rDr (Iodating far, unpdd finance cMrpr and otltw cNryr), rbtract arty peYmerw or aedib, and make Otlwf agwtmrb. Treneariore aro eddr r of Ne tnnaacDa rb, Ne bepnNnp of tM bNtlrrg ryde in which tlny are pared to your aaowt, or a later rte of our choice (rcept Nm chrk trareadkna are adtled r of Ne rte depodbd by da paYee or a bbr rte of our choke). Far ere adrtl enMr on Ne ate d a rdabtl trareedion, the data thry are ported to your account, or tlw last day of the billing cycle. This gives w riot day's daily balance. A crodt belnce b trrtd u a Mlrce ai zero. M a drily perdic rete appllr m ry Inure, we mWtipy tlro daily balance by Ne riy periodc rite w get your Periodic firers dtargr for Nat ry. We than add Nre peRodk firence durgr b your deity hdra a gd the Oepindnp briers for Ne non dry. (If more tlun one drily periodic Me could apply bred on ties wsrepe drily baance, wa will we Mu daily periodic tale Net aDDlir for Ne orange daily hdree amount at tlw end of the bilNg ryde to alculab the tldy penodm firena Burge each day.) To pet yow total penodc flrurae cMrpe for a dAing ryde when b drily paretic orb(s) applir, we atld dl of the rlly peRoWc firers durgr for aN frbrr. To determine en avenge daily belts, we add your tidy bdrua and dNide by ill number of tlro days k the applkebb bflllrq eyrie(s). Ii you mWtiply rile werope duly bdance for each femurs by Ne rplkrb duly pwkdic nn, and Nen multblp rd of Nsse rrWb by Ne numDw of deri In the appllaDb dllnp cytla{s), antl Nan add al of Ne rrulb togetlw[ the total MII abo egwl tln peno0k tut rice cherpr far da DNNnq cycN, crept for minorvawdorodue to rordkq To get yourbtN penowclmrcecMrge for a balirp qda when a momtNy garde rate(s) applba, mWtlpty tlw enrage daily babre for oeh irturo ty the applkabb montt8y peMdc row era add Ne reeWb apetlbr. The total will equal Ne penotlic Irurme durgr for rile blNng ryde, rwpl for minor nnriore ties to rountlirp. &eea PriN (N tnN 20 YYs-: We roue pertlk flrenr dwrgr on a Mnrdlpn, fr. or Arence charge from Ne deb N b NdN b your rly bdree untll paymrt h fWl is receivN an yow accoum. However, we da not durpe periodc finance durpr on new Dumhrr hNled duNp a bilerp ryde d we receive both pryment of your New Balance on your current abtement by the date and tlme your payment is ties and elr payment N your New Baance on your prwkw abtemeM by 1M rU and time your payment was due. There la no grace periotl for Nlana tnnsfen, cash sorter, check tnrwetloa, or werdreftadnncea. b Nltliw, it Wn b a •Oollrybl fRbuatleaN Firrbl• ertlea r Mia NNewmN, you will not roar periodk firuna durgr a ry Remawnp &bna tlmt aPprn N dent rdlon N you Dry tlut DeWlee In tad by Ne applkaWe Ezpintlon Date. To woad Arena cMryes on new purduar whr your New Balance Indudr erry Rwndning Balance(s) fn tlw Oueiifykp PromotlorW Flrendrip artlon, pry your hll New Bdaree minor the toll of tMr Ranrdnnq edarNs) by Ne tlme entl tlme your payment is due. Fbwever, If your abtanent shows tMt a mlNmum payment lades, we mum rrehro m lert that minmum payment by du date end tlme apedflN on your atmemenL wr II ypur New Selena condan only cl Owllfylnq Promotlorel FlreMinp bdarrcr. Alec, br some Duelifyn0 PromoAOrl Flnerusrtp haWlcr, perdk finance dbrgr same tlaing ill promotlonel period DN are not NdN m your rcaun babble. IMtrd, Hey accumulate from hlllkip ryde b bilMnq ryde. Thb is rNerted to r "deMred Inbred.' d a dmerrod Irrterrt Owayinp Promodond Flrbrfdnp Wbnce b not Deid in ful by Na epplkebM Elmiredon Deb, Ne rferrN flreMe dterpr will be addN b youraaounl r run es Ne tint dry albr the EzDiretlon Dale. Fuller, If you default under IM terms of your Cardmember Aprrment tM dNehN Anrce dtergr will N addetl to your aarourl r run u Ne date of default BILUNB RI6NTS SUMMARY b Car N Fwars r gaeriew ANN Yor Ntl: tl you Kink your bill is wrong, Pr II you need more inbmripn about a transactlon on yow bill, write Grdmwnber Service m a sepanb ahem at P.O. Box 15299 VAlmington, DE 196503298 r soon r poedhb. We mat hrr from you no Ww Nr W tleya ahw we sent you the Rnt DNI on whkh Na wror or Pruden epDrnd. You sari lNephore ua, DM tldnp r all not Droaerve your dphb. In your btler, pve w Ne folloMnp information. •Vour rums and account number • TM ddbr amount of Na suapedN wror • Oernbe Ne MoraM amlwn, if you can, why you bdiwe ihero is en error. d you need more inbmrion, darts Ne Item you aro unsure about. You r ra[ Mn a pay arty ampum h qurtlan whr we are imrtlpaDnp, but you are aDll obtlpelN a DaY ill Daub of Your bNl riot an not in quatlon. YRnle xa imrtlgab your gouda, we carxat reDOrt you as ddirquenl or take rtlan to aNed Ne amount you qurtion. If you Awe aulhoRZed w b pry your credit all bitl aunmaticdly from your swings or dudkrp account, you can sbp Ne prymenl en arty ampuM you Nink is wrong. TD moD ill DeYmrl Your Inter or rN (iemA Ne Cardmemher Server aunt or Wephone number aMwn on 1Na stmwneM) mat rrch w at Irst Nroe Dwinra drys beforo Ne aubmatlc paymrt Ice sdbtlWed b occur. dPriN Rob fr CMM pN WraYaau: If you bore a Orohbm wiN Ne gwlity of poor ar rrviaa tlut you Durdwad wIN a crrit aN (rdudinp purohrr mar wiN a cheek), era you love MN In good fdN b corrrt ill Drodem with Na mwdwM, you may ret torus to pay Ne remdNnp amount des m Ne goat or rMer. you have this proteedon sly when the purduse Ddca was more !hr S50 and tlw Durdur wa made in your home stab or witldn 100 mtlr of your mdlnq Ndrrs. These IimMtlore do not appty it ors own or aerob Ne merdum, or if we mNN you Ne atlveMSemeM for Ne Droperty or bwVdb. MA0212W https://instantimage.bankone.net/Star/action/Print.do?null&nTotalItems=le~nTotalPages=2 5/14/2007 CMAt2~5 ~ardrr~ember p~greerner~~ ACCEPTANCE DfTH15 A6REfNsEKT Querns Your trade car use of unu~ countis covendby his agreement This epreamentg conuininp the cord lot ills account Any Ys romise to for and chvrpa your account fMniG ueasac4ons rnedo nn your eeeount You pus to pay pa usiaraguensattiorrsmadaonyouraccourt,aswaGasasryicesorGnancash°rg°s Ii this is s Joint account. each of you, together end indivlduslly. is responsible for paying el[ amounts owed, avan G the account is used by only ens el you ou use out ettount for arty purpose, even tl Please sign rho back vl % etdirorizedrby~on yo Yrecerve it You ~ be isoursd by h i egreemantiiyouu =a~~ahary~ussyouraecouulotnot.ya ureardond you donY sign yo egrsementunlassyoueancalyouraccouatwhhi^3pdr/seturnca 9Ys you heva eat used Your account io.r erry purpose outs maen eg 7lsroughaut hlc rprarmrnl des words -we ,-as and "out" maen Che erBnnv~e dppGad the ~suar of your credrt card sled fib ifs ignament,lncludag the p ,y persons raspaasrbla far coB ins to whom ova sddross bgpnp stabmeels, as weG as arty' for he account end tiw p amt you cr c arwaccass devises, such steceount nvmbersathalcwe have isstsod two pore ear s to vblain cndrt under this agreement USfNG YDUg ACCOUNT onaibla Your account os s~Unlass wa epreo or his nqulrad by few, we wig Ham be rasp ms Y or househaldporp ass of your ee~d!~iemat for merchvndrsv of services Pvrfor ve d end lawful traruteeilans to make sun that you promise to asa your account only gambling maybe ipegel in soma ploeer It is not our respansibliry use your eeeount only far parmtssible bensections. end you witl remain rasponsble for Fsyinp !ot a uerttection oven g it is not par:nisslblo 'igpasal•Transadionr. a tar tlCnrservrtas_ • Putcbaser.You meyuse your tend to p Y $oa • - Cheeks Wa moY prsvida yO0 cash advance eheekc or balance vetrsfar checks os a way ro use your eecovnt We elsoods ar services, toitroasler be deeds to your eeeount, Yau may use a chalk tepaY for g or for olhu uses we aGow But You may not use ihasa ehacks to veosanias Dnly the this acevurrt from oho a tsd ms~h~ehaekmeysipntha hs k Ce hedvann checks parson whose Hama is grin u Wa may treat are veered as cash edveaces snd8 eimenr'of onyfal{o~wemek6tayaud os be ante vensfers axeaptazhoted'm his apt cheeksthotwatatitasvsniancechaeksacbatencavanslerthoeks Nowavar,ehoc thatwece9cvm'anfetrctietraeudes eshodven eeandassassad ab=_ftsdvan orntas for cash advances, may endfeas YoemayvansferbnlencestromoUteraceauntsorloansNdthathar • gelaneeTreruifar~. crodl card issu i r~o~~e stialeneas to this octount from olhvrlsecounts with us yr evY But yao n ay our evailebfe of out r,slelyd eampamas.lf a P°ocess aapenlal be anceabonstot uptto yy nos your avelable credt Gna, we may p credit iin• • Crsh Advances: You msy use your card to get cash from outvmo6c lager moclunea, of Irnm Gnancisl insdWtions aeeapting Iha card; or to obtain vavatars checks, foreign currency. money orders, wire tronslsrs or slmit~rw'sh•~ ehb,~~°.~~ uonsetimnns~You tidcats, ceshro psrainpchlps, rode treeb Wag ant nn urba>•aG and bGlthapsYm`ar mgyalsqusa a shiril:arsyservica to me a a paym Y" to dds eecaunt aceountwnh one al our related • Dvnrdrait Advvneetc G you hevo an eggible tl+otka'otcount wrth our related bank Ie banks. you mey fink Uk eeeount to your ebockinp cover on ovardroh on that checlring ettount under rho tarmr of this apreament and your checfdng account agreement 81111np lycia: to ordorwmenage your account we divide time iota periods caged'biNnp cydos'. Each bGling cyclr is approxbnelhat ends in that moo h Your aceou fnivr~ hevo e your account wig hew a 6Gling ry biignp cycle ending in each colander month whehet or not then fs v biGing ctaumant forthatbGl'm9 cyete Autbadzed Users U you allow someone to use your ettount, thettperro 6acome sn authorized nsec Yov should Udnk eerefugrebePerson Io usaglba eeeount es you ten eudrotized user because n are oGowing ttlhr ncco~urrl ~cCG~ing Inmtlrah~rms at this agro°menttThistiaeludar yotur rasponsibifty for paying aG ebsrges onyour eetount made by en euthorhed uses. Yau may request en addnionel card irn use by en nuiliorlted user on your ecrovnr If ~nU do so, this ate r,nl may apps>• on the croon report of that euthorfze: set You must notify ea w tarminato en euthorftad user's pormission to use your account It you noGfyus, wa may tlosa rho account andJor issue a new card or urdsy+ith a diiieront eeeountnumbac Yov shotdd also recover end destroy any eerds, ehacks M any other means of aceass 6o your eceounl tram brat avthorited user ~ndil JJan: Ywr cnddFne appears an Yow bggng stotomarits We may also tshow th^t cradtt gee es a uadd (unit or spending limit Your billing statement also moY ordyopotdonofyyoutcnddgnemoybousedforcashadvances. onionvl rut:nditlino cash advance ehaeks,era charged againstUra tourendltGn%Yov enrosPansiblo for and all other vpnsetdom eta charged against Y keeping track of yanr occoum belenee, ineludng arty toes and 6nanca ehetgea, and maF3np sure ft ramei~b~owfisrge y ut en oveliGmillva as dasclribed In thlsregtva~ net line far arty reason. vurcroditl'ma•Youmust Wamay,buterelrotregvlradto,aulhorhecharpesthetgooverY , PPa~y any amount over your eredk fmo, and you must payy us lmmedretoly fl we atk you ro Thh eprosmonl appliasu any balance ovoryoar cradhGne At owd<screGon,N+a'mayincroase, reduce, or cancel your creditGna, or the cash edvancr ponlioa al your uadit Gna, al any dms However, it you hove asked us not to da so, we wignollncreeseyourtraditgne AchangetayourcredltGnemllnoleflactyoutobfipel'ron w pay us a acilon that ou lntoraetionel 7toaseclions tnlornailonoi vansacUons bscluda arty tt ns Y make In a foreign awnncY ut that You moles outside of he United Sates al Amerfce even G it is made m U S dopers II you make a lronseclion in a (oralpn curronry, Visa bderneUonel ar 1,IlesterCerd International, tea, wiG convert the vansocilon into U 5 doges ubysstivn ` own ce ~ntyris ecnte that tos facts eiher roes the Hope of etas entity sveBsble In as N' ~~ Ithsurrou y he r respactlvo einilty ~ttseG c re eiv sl, a ore the eta msy 7 povernmont-inaadeled mein effect ontha epp6esb{a pmcessiag deu The retain eflac or s no~~ jy~a~gtaN uttte right fro hotrgaryou an addttivnal thnaeapo~ and f%J of the US doparamountvlanyintemedomlesnsectian,wheUtrfthsttrenaactrvnwasoripinelFy made in U-S. dopers or wet made in eoothor wrranotr end converted Iv U.S. dogers by YseorMssts=rCard Indtfi°rnaa'me~Pro a sNtndcherpestmayappiYil•anYnternetionel prwldad w usbylEatantity tronsattion is revorced ReluseltaAuUtoritsTtaDl~etvllawinpto sons:anottaquitedta,decGnaevoncacilon on your aceauK (nr any • boceuse of apendanal considerations, • because your account Is in deteuh, i1 we suspect fraudvlont or unlawful ecdvrty or, • in :.+~ dt==r..tion. fo: dry other retlsnn. We ere not responsible for any tosses flay n ~ sou hove sulfiriont creditlave~lnblad for any meson, either by us or a third party. Y For online rrensecUons, we may squire that you register your account with m rut}rotizatlon system that wa select We Nell nodly you if we went You to register ii you do nslreprstet;wa may dacgne your online Irensaclions Balusal to PeyCbecks:Each ch~ ewYo fta count to decidaowhatJrerylo authodze Ihat s check for payment, wo may cheek We may, but ere not required to. rejaet and return unpaid a check for am/ reason, 1ncludmB the topowing examples: • Wa or one of our ralatod companies is the payee on the check • Ywrt:redttfinoorceshadvencaportionoiyourcraditgnahasheenoxcaeded,otwoold be mcceaded it ws Paid rho check • Tits chaekispost-dated It a pcst+falsnslbla.k is pall. rnsullinA in anohor che:k being returned or not Peid, we are not rasp __ - You heva used the check oher the date speeifiad bn it • You era in daleult of would be If wa paid the check lost at Stolen Cards, Cbatks or Actonnl Nvmbats~ If any card, chock, ettount number or other moans a eeeess o~nr errmssSon, you must natii;r yvsuat ionea by ealtlnp the ~ y may use them wiUwtri W P ur rerd or 6gling statement Do not Cerdmombar Sarvite ulophorm number shown on yo use your aacwnt aiteryou notgy us, avan d your card, check eccountnvmbar another means to eecessynur eceountls found or returned. Wa may lermineto of suspend your credit prisnlepes when you notify us of any loss. shah or unautharrted use related to your ettount ,..w „ r Yn+r may lr-. n!~a ri thorn .c unarut•nrired asa of ;3:'r a :. • t prat'+•~iitir /sa ra.:n- no baneCtt, 6utyou Nall not be gable for more than S5pDD at such v:nseclions, and you wGl not ba liable tot any such vansecdons mode abet you notify us of the loss, shah or uneudrorfzed use..Hawavor, you must identify for us ha unauthorized charges Irmo which you received rro benefit We me ragriuayautoptvvioeeomll wins c rt in Proeedupes f neonneetionawiilsnovr We may also require y P Y iriyostigetion• PAYMENTS yy nsUUCUons }roucmusl logow lorlrmekingtpaymanls end satstonht the deu end rtimeuby which we must receive the payment You agree W goy us aptvunts You owe in U 5 dollars drown on funds on deposit in e U S. Gnancfel lrtstilubon or the U S. breath of a foroign Gnoncial institution using t fpym~st chock moneyarderor automede dobilthatwgiba processed or honored byyaa Insdwilaa We Ndg not a char wo receive your payment i eveGeble credit may eat br restored for up m 15 dogs Y . , pay Payment check or other la•,n •sl nn}meal which o~ ^snd to rrs i. • toss then>T~ lul r, esanee malls morkod ~rcid in lull or with a similar nolauon or hmusl ba sent focus al thr in lug sailsfaeilvn of a dtspuud amount jeonditional peymatttsl, conditional payments address Gstod on your monthly statement Wa reserve eg our right regarding euc un~Rretely dretatryolthereddnssawemeyaccoptlhapeymonlendyor anysuehp Ym ant b wDt soil owe day temaininp belenee Ws may teruso to accept erry such Pa ou male reWrning ii 1o you, not cashing it m by dasvoying it All ether payments that y should be soot to rho regular peymanl oddnss shown an your monthly stetemanls Wa reserve the tight Ilr eleevonieetly eotleet your elipiblo peymanl checks, sr 6r: pnsontmarttend any represenunanL ham the bank account on which the eheekls dravw Ovr roeeipt of Your Payment ehacks is your avlhotireGon for us to c~~ e~ I ~ Ii L the check olocuonically, or, it needed, by a drab drawn against the bank aecounl P eymonl chucks wtll be eallocted slecuonicapy by sending the chock amount along i with the check, routing and eccaunwa r~cnivo your QbnY"!a tollte or pleat payment ba debited as oerlyestha sums day check will bs destroyed and an image wlltbe maintetned m a went due, es shown iJlinimurt Poymont You agree to pay et mast rho minhnum P Y eel is due on your bilt'mp statemonl, so that wo reccrre~ ~~~ andamay P Y the iuN amount you You may pay more than the minimum paYm owe us el any Ume. ii you have a bet in finance thergiesbeceuse 1'mence thetgns sooneryoupeyus,thelaseyouw3lp Y accrue on yourbelenco each day balance Itha Your biBinp statement shows your boplnning balance and your ending 'New 9nbnce ant dear al ba tits Now B lain a Dthe arvrka, itrvr0l be Ure largest of minimum j,aym rotas b~ d pedadic~rrta finance chergos~and any bAl d tat andtovsdlmit$e sn As port of the minimum paymort due,wa also add any amount past due and any amount over your croditllna andsradnsinao+nnYUtatlsmorifbivorebtstoor o eefenltorus1For xempa,you euthotita us to spplyYour piymentc and credits to balances with lower APRs (such as promoUtmel,4PBs) before batencas with higher APRs Credit 8alaaeess You may requrri s rotund of s credo halonse et any time We may reduce the amount of any credit balance bythe amount of new charges or lass billed to youreeeount rtrtyy AutomaticChsaetvo o Uonsib a ampler,monthiyutigtyctrargas!memborshlps account for roil II and insurance promiumsf If eulomeUe charges era stopped a onj ror your acteounl baceuss your ^ccount is closed or saspandad for arty these char as numbotchenpos,youarereaponslbislornolUyfngthabglsrendpayinp i9m dirocUy I(your acctwnl number changer. wo may, but era nolrequ:rot ta, pay your newneeountnumbercharpesthatYouauUror edtsbebigsdtoyom~idac~ount numhor, Promotions: From Uma to Umo we may offer epeeist terms for your account wo do, vve wAfnoufyyap about the terms of the after and how long theywrll bo in oHect Any promodon is subject to rho forms of th{s a9roomant. as modlRod by the promotional oHoc FINANCE GNAR6ES Doily Periodle Ralas and Amuedl Porcarindg'c rnlrs ereoRstod ao the Rates end Fe a j'APRs7 and the cmrocpondlag Y P at rho Rhh Tabls.thet is at the and of this documonl or provided seperatefy To got the deify poflodlc rata wa dhdde the APR by 365, and an oReet always round up pbutoUterlphtotdror~d`B~Pol"t PP unecauntmaywrywithchanpos Vnriabfo•AstenDosa sthote lytoyo to the Prime Rate Whan you hiedfn n a margin to the Prim Raw pubDshad in the Rate, we aolculote the APR by 9 iNeASlraerJanrnaltMto.busiaasdays before the Closing Data Chown onyour blging Rates section olPlhe WaNStraerJaum t i lire ~edStraot Jaurnalstops pubRsfiing the Prime Rater wo wiB saber a sanget referonco rate end inform you on your btiling riatment of through a separate natiee 'bueinesis dsy'Uis enyyhhrlIday shot is note we keno oraloderol huGday.aTho Aats and each ~rMiebl ra a andcanytmhilmum dagy perlodicrrotecand wr espending ppp for Two business days heicra lira Dosing Date cgceble margm~ el Prlmo Rota o p t whet the Prime Rsta is. We then rod rho app the gpR,The dally Perlodie reto 4 ealeutatd as deteribod above Ii our eolculadon roaultc in a change to a daily periodic refs from thelprsvloi rho Rrsl cycte baceuss Ihs Prima Reta has changed, tka new rata vnU app y dayy of Your bilBng eYe s,iho~ieretolnereases~y uawillhavetsp~ehighamperrodie calculetlon ltthedsllyp Rnaace charge end may have to goy a higher minimum payment. Default Rstss: Your APRs also msy vary it you are }n dolault under this agraemonl or any other egroanont you have with us or am/ of our related companies for any of the IollotvinB roosons: • We do eat receive, for any payment that is owed o~ drve btthetdala end Lima eccourt or loan with us. a1 Iees1 the minimum peym Y due. • You oxcaed your eredR lino on thla account • Yau make a payment to us Ihe1 is not honored by your bunk • Tolheextenteriowedbylow,il,eterry0masheryoureccountisclosod,wedemend Lnmadr+te pyayment olayour outstending befence and we do not recaWo payment vnlhh: i.`le Uptt we ail Y tf orry of these events oeeurs,wo may increase dte APRs (including any Prm"mjonel APR) on ell balenses {axciudinp averdroR edvaneos) up to s max'unum of the dolault rata staled lour default rasa: Uteslenpth of time your aieeounl has been opeh, rho datormina y oustenee, seriota:ness and timing of the defaults on Your oeenunr, olhor indieauons of your account ucsgo and padormanca; inlormoGon eboutyour other roleUonshlps north us or any a1 our related companies; and inlormallon wo obtain Tram eonsumar cradh teppees obtained Irom cradll buresuc Tho dolault rata WIII le la to urthasa thelirsldeyollhabglingcycleinwhichthedeleultoccurs,hndtTYaPPV P syr:.ai balances Irom the previous bilRnq cycle for which poriodic linanca shsrgat hove notboanefroadybiitsd 11 wn daeide not to fncrsoss your APR even though tharo is a dotauil or if ws du not inerossa your APR up to the maximum dalauh rata stated In the Retos end Faos Table, wa reserve ow right to incraaso your APR (n the avant 01 any lulure default Wa may in our diserellon determine t charge raducod doisuh rotas or rofnstato standard rotas tot ell or;setectsd bstaneos on your aecounl Frnence Ghargo Cslsulntlon-Two-CYcle Averapo Daily Belonea Method (laeluding New Puroheeas~for Pyrehases and Araroge Doily Belonce Metbad {Ineludlnp Haw TronsaeUotts) for "Dthor TronsaeUoar. We calculate pariodls frnence charges saparstnfyiiorWee~hsorbolanesvendnrs,b isnoHvanslrrreh°okrys,cacti ova ass, (lorsxampe,p r eashodyaneeehseks,ovnrdrahedvaneos,endoaehpromolion-,Thusaeeieula ens prayeombfna diHeronl cetegorfes vidh tfie same daisy patfadle rotas Thls is how 11 works We cniculate the periodic Gnants charges fw purchases In two steps, es follows: • f"itsi, for eseh day of Uta b11Rng cycle, we mukiply the daily boioneo by rho daily porlodic rota • Second, lot ouch dgy~of the pprovio cle ti ~~ s~eme ddaily periodic nto j{owavoy (or purctusocmedg'iplhelbilGngcy Y wo da not do this sd~and riap if we received poyment in full of rho New Betance on your previous hRRnp,stetsmont by the data and Ume rho minknum payrrrant was des or if i podadie Rnanas ehnrgn wos siraody billed on that balance Ws eelculota the porfodis lmenee ehotmBelionelPatehesec subject to n promotional rots the same way, butwa nee the p We eslculete poriodic Rnenca charges for balance uenriers, bolenee uensler eheeks,cethndveneas, rash edvencacbacks,and wordrahedveness,bymuldptylnp the dally balenee (sr each of (hose eelaporiat by Ne degy periodic rate for aaeh of those eatsgwles,each'dsy You may have overdrah edvancss Doty it you have linked this tseount to s checking aecounl wnh ens of our rotated bante. s celculeto rho pndntRe fmonee ehnrgac for balonse vonslors, balsncs vanafsr chocks, cash advances, end cash advance checks subject w a promoGonol rats Ns soma way, but wa ace the promotional rota To gat the de'dybalanca for oath day for aaeh eslogory. • Ws take iha beginnlnp bnlance for that day. • edluasfm nts thast apply to that cetgory We adB a nswopurchesa, aaeh edv nce~ . . balance vensfer or oJerdraH advents, d eppficebie, to the dally bsience es of the uensecUon oat, ar o bwr dais of our choiw Wo add r new cosh advsnc^ check or balance vernier shack to the dsfly boiencti ss of the-dale the cash sdvaoce . chock or belonee uads(er check is deposited by a peyoo, or o later dole of our ehoiee crodlts, or credit adjustments that • Wa svhuoct tram that bafanco any payments, epplyto that category end drat ere credited ss of that day . Wa frost a erndit befence ec o hslence oi:aro To gget the beyinning balenee for aaeh eetap~-tor the next day, wa sod iha daily.-,.., •,~,::..- .:-•c- - perlodle finrnte charge t the daily balance I more than ons dady periodic rate could eppij'to a category baceuss the rate lot the catopary may vary based an the rmount of Its everego daily balance, wo wRl usathe daflY Periodic rots that applies lortha evoroge dolly bslanee amount of the and of the b16ng ryele to eotculele the dotty poriodic finance ebarps Bath day This egrsoment provides for daily compaundfnp of Rnenea chorpos To ppat the fowl petiodle Raance charge for the bgflng cycle, we odd ei! of the dory psriodk Rnenca chergos for Dash category for such day during that bflfinp cycle, plus the daily pporiodic Anance charges on purchasoc, H any apply, !or the previous bilNn4 t:yeto HpWever.it any porlvdle Ilnanee rherps is due, wa vvdl cherga you ~t learithe mhdmua periodic Rnanca charge stated In the Rates and Fess Tab1a N It is asceswry t add on oddidanal stnouat to reach the minlmum linenca charge, we add that amount to Ihs balonse for purehessa made during the bilRnp cycle The tort Ilnenea cherye on Pout account for a bitting cytla w1A be the sum of [ho periodic Rnance charges plus my transscUon toe fmonce cherpos. Foroech eatogorywe eoleulete nn • ou roast sbnlenees end idhird°np th t emotmt by far thr bil6np ~Ytls by eddm9 eN Y s if a psriodls Rnanoa charge Isr purchases the numher of days in the b116ng cyc) made durgg the previous lnro'mg cycle e~pAes, the averopa dopy bslencs far those purchases 1s calculated the s^rne way i you muhlply theppl1ayyvarepa degy bslencs for e categmYbytheteatg~e Ure low wig equal the periodde (fneneeu herg for Uret of days b the MIHng cY balance anributble lather bNRnp cycle, except for m{nor veriaUons due to roundmp Gress Period and Aeeraol of tiaense Chsrgoc We ettrue periodic Raenee eharpes an a uansacUan,•tee, orfinantro cherga from the dots h is oddadtoyourdagy balance undl payment to tap Is recofrad on your aecouM However, ws do notcharge partodlc 4nenes ehergrs on new purchases biped during a hRRnp cycle it we reeelvs poyment ;,; yva: N:w Bolonca by rho oats and Urns roar minimum payment is due and wo raeafvod poyment of your New Belenee on your Qrsvloue bdgnp statmont by rho dew end time your payment wos dus.This exception or'praco period' a pplies eery to purt:hasas and dss~ not applyy to belancevenslers, belenee vendor chocks, cosh advnneas, cash advonse chocks or ovordreh edvaneas, R applicable theamaulnislelodinth RetesandFsesTebisfore~choflhstolfowingVonseclions: • cash advence,cheks, • cosh odveneos ° ~ ; In odditian, it you use s third pang service to make a payment on your behalf and the sarviea charpos the payment la this account we may eharp^ a lranseelfon loo for the paymani These Ira as ~ the 1fe~sactian dole cf the to hoodvonte Foraxamplene lraosection tae category tar o cash edvanto would be oddod to your cash advance ou a belonte trenclar lea in Transoclion Faos tar 8elonte Trenslorr~ Wa may chorea y the amouN stated in the Rotas and Fees Table for oath of the lolltrvving transactions: • balance lrsnslor eheekr, • batante trenslors Thesetre;s alt il etltsnsecl on data of he baloncedtransfat Fa oxolmplo,la iransection cotagory tae for a balance vaasiarwoutd be oddod to yew balonco transfer bo onto OTHER FEES AND CHARGE5 Fen Teblo These Iso°svwll be oddod to the balonco tar purcbo cs made dur'm Rttaio biHiao cyclo• Anaunl Mombvrship Fee: ll your account has an annual mamborship lea, it will bs bllle ouch year of Ln mon[ltly insteflme u of sea tto a ei h whentWileddThs onnuei mamborship not you use your aecounl and yo g P Y days of the d to we mall your bll5ng s~ntamonl an wdrlch thaoanriuatrmotnbarshipDfoe s charged end atths samppe time, you pay your outsisndng bolence in IuR Your payment of right to make tranteeUonss n youroae ountollryogur eecotunl Is closed by you amusYwe will continue tv charge ILIA annual membership tae unG1 you payyouroutstsndingbelenea in Lull and terrninote your account relationship a merit by lho data end Lat Foo: II we do not receive at toast the requlred minimum p y Ume it is due as shown an your billing statomanl for any bpUnp eyele, wa may charge the 1 u~ ~fla:u the terse loo '.rsl~np the previous 8alenreholt the currant month's stotomont that shows the lets lea This bolenea is rho same ac the New Eateries shown on the prior month's stntemonl lorwhich wa did not receive at toast the required minimum payment by the data end lime it was due t7varli ovanoe'[t~vnly for a day,twelmoy the qs se eve Ifmtil loo Weymay h tqa thislllsa cycta, ovonil your balanea is vverlhe eredh tine because of a lineate charge or Loa wo impose or a trensecdon we oath chorpo sari ovadimit 1 Grin subsaquont bgiinpecyclos! oven it no billing cytla But we may new transactions ere made on your accaunl, U Your eccaunl balance silt it Duet Your credh line_el arty dme during dto subsoquenl baling tydes Aeturn Payment Fad: I! Isl Yau~ PaYmant chock or similar Instrument is not honored, (bl a payment hotkbo ease it istnoLisfpned or eannotrba processed.. wi may cha ps a return payment too. Return Check Poe: it (el we stop payment on s cash odvonce cheek or balance tronslet check et your request. or tbl we rotuso to pay o cosh odvenco check or bolenre transfer check we maY charge s rotwn chock Las Administrelive Fees: II you rt+quost a ropy of s billing stetgmsnt. solos drett ar other record of Your eceovnt or R you request two or more cards or arty special services Ilor vxnmple, vbtoining Lards on an espsditoppdbaslsE we may chaste you lorthase services do umariisthotyoturs9tuss9lorebiUngtfisiprdeYovlmeyasaenap instlusund eppA oblo ices o time teatime in eRe~t when wasollersthavsorvid ernes s srvitaS wo provide, Iha DEFAULT/C+OLlECT10N Wa may tonsidvr your be In dvlavlt it any of those occur. • We do not taceWe etlseri the minimum amount dr,a bvths der and time duo os shown on your bRRnp stelament • You exceed your eradh line. • You IeR to tamely with the terms of this egrsement or ony eoreement with one of our rotated tompenios- • Wa obtain inlormaGon shot a oases us to believe thatyau may oe unwilling or unob a In pay ur debts to us a to others on lane • You Ile for henktuptY • You become incapecilolod or in the event of your death. . It we eonsidaat your ~ trout ono eidibalanes immvdistoly.We also msy equiro You to pay and require y P YY ascent 2K a month on the unpaid balance when wa deem interest et the rote of two p 1 } your account ro bs six or more biR'mg eyelee Past due, yauhwig pay ouroet eetlon tester ottarneys~leos court oasts yond ell othoraexpenses al enlorcinp out rlghis under his egreoment CLOStrvC YOUR ACLL'UIiT You may cross your eteount st any time 11 you toll us [o close your account ws maY require that you Confirm your +equasl in writing ' Wo may close Your aecounl of ony t)mo ar suspend year erodit privilepos at enp time for arty reason without Prior nadce except ns required by appgeebls law. II wa etosv your eccauM, ws rviR trot bo 11aWe to yon Ivr any consequancos resulting Isom ctostnp Your aecounl or suspending your eradil pt{vUeges t1 you or ws close your accotmt, You and any euthorimd users must immodletely stop using your ectounl end destroy ail cords, checks vroU+errneons to atcsss your account or return them Iv us upon request You wrTi corainue to ba rospansible for thorpes to your account. even it they ors made or processed eharyour accourrt is closed end you vri0 ,.~ %iJ,Ai2c: ,_„•?:. t t e oulriandks balance vn your account according to rho terms of be roquirod t PaY h g this egreem b yenta immediately v- et erry itima aheriyou ect:o nl is clasedv to pay rho outslsndinp AABITRXFIDH AGREEFdENT PLEASE READ THIS AGAEEMEN'r CAREFULLY. R PAOVIDES TNA7 ANY DISPUTE MAY BE RESOLVED 8YtB1NDIN6 ARBITRATIOW AABITRATtDN REPIACESTHE R1GNT TD GD TO COURT YDU WILL NOT BE ABLE TD BRING A CLASS ACTION 8A OTHER REPRESENTATIVE ACTION IN CDUR7 SUCH AS THAT IN THE FORM OF A PRIVATE ATTDANEY GENEiiAt AL:TiDId, NOR WILT, YDU BE ABLE TO BRING ANY CLAIM IN ARBTTAATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BE ABIET(}91: PpRT,OF ANY CLA55 ACTION OR DTHEA AEPAESENTATiVE ACTION BROUGHT BY p,~Y;DNE ELSE, DA BE AEpRESENiEO IN A CLASS ACTION OR OTHER pEpAESENi'ATIV ACTION.iNTNEABSENCEOFTHLSAABITNATiDNAGAEEMENT,YOU AND WE MAY O7IHERWISE HAVE hAD A RIGHT DR DPPORTUNITY•TO BRING CLAIMS IN A CDUAT,9EFD.AEAJUDGE ORJURY,AND/DA70 PARTICIPATE DRBE REPRESENTED IN A CASE FILED iN COUFLT BY OTHERS IINCLUDlN6 CLASS ACTIONS ANO OTHER REPRESEtJTA71VE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YDU WENT TD A COURT, 6UCH A5 DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORELIMITED EXCEPTASOTHERY/ISEPROVIO~ BELOW,THDSERiGHTSAREWAIVED Hiadiog Ar611ra1fon. This Albitrotion Agraomsru is made pursuant to a vansaction invotrinp interriata cpmmgrca, end shah bn pavornod by end be eniorceebto under Iha federal ArbhredonAdlrbo FAA'},BU.SC.51.18ashmayboemended ThisprhiVetianApreemonl sets torthihs circumrienras end yrecedures undorwhich claims (es defined holowl may ba resolved byerbltratioh instaod ol6ving ptigatad M co°rl Forties Covared.For the ~urpasas of this Arbitraton Agraemvnl'we;'us ; and'aur' oleo includes our poren4 subsrdianes, a iTiGates, Ucenseas, predecessors, successors, osslghs, any purchesar al your Aeeount end eU•at theh olfrcors, directors, employees, agents, end assigns at any end all of them• Addhioaatly,"we ;'us and'ouf shell include any third perry providing boneUts, servlees, ar produce in conneeUon with rho Atcounl UneludinD but not Ibnitad tv crodh bureaus, morehents shot accept ony credlldovito Issued under •tha Actoun~ rewards proprems and onroliment sorvrc^.:, trsdit insuranra compcnles, debt togeclors, end all o! their olritors, directors, amptayoes, oponts and rapresontadvea) il, end onfyil, such a third pony is Homed bypau as a to-defendant in any Claim you assort ogalnsl us Clelms Covorad.. Either you ar we may, without the other's consent, elect mandatory, binding erbivotioa of on Balm, dlspuu or convovorsy byy either you or us apeinrl the oU+er, or egninstdta amp~oyaas,parents, subddleries, aifiTists, banatkciorios, ayyontsDr assigns of the othaS arising Isom or rvLtinp in•any way to rho Cvrdmombar Aijliiempnt anypriorCardmamberAgreomen4Yot crod'ncerdAccount or dte edvortiatnp, aprLcsOen or approvrl-al-your Asexual 1'Ctei~ }, Th}s Arbitration Aprosment povorns et Claims, whether suth Clauas era based an law, ristuta, tontrott, npulation, ordinente, tun, common low, constRuUonsl provision, or any legal theory of law sash as raspondoat supsriaRar etryothar legal or squ'dpblo ground and whether such Clshns seek es remedies money dsmages, penelUss, Injunctions, of dvraeretary ar equitable regal. Clehra subject tathlsArbltrehonApreemonl'urciuds Claims repsrdiap1ho applitabilityollhisArhhradon ^sggraamoMerthovol'nfily otthaaatire CgrdmeDtbeCAprssmantareny prior Cardmomber Apieamont T}ris prbitretion AproemeM includes Ckims that arose in the peel, br ePtLo In the present at the tutors. As used in this Arbitndon Agreement the term Claim irta fie=giraoa the bmadsst possibio,rr°anlnp Claims subled to arbiVaOon include Cinimsthel era leads es eountordsuns, cross eleims, third potty clohns, Inlorplaadets m otherwise, end a party who initiates s proceodinp in court may elect ebitation with rocpoet tv any such Claims odvancod in rho Iswsull by sny party orperties• As as excoption,to this ArbiUation Agroamont, you satin the rtpfit to pursue m a smell elamts court any Claim Ihetis vnlhin that aeon: s (urisdcUon and proceeds on an Individual hesis it a petty eleetsto arbiUale a Claim, rho erb'nreUonwill ba evadueted as on ind'Niduol Darien. Ne{Yilr.r yes r!o- we setae to any trbiUa;ton oa a :loss ur repro:: Lath: hesis, 'tl a aloes aedo la bail or oihs r Present rive aeUon, such es That io the Dorm of a privets snorney penarel ectlvn,ls Rigid, Qtly Claim between us related to the issues seised in such iawsuitslwl'll be subject to an indhriduel erb'rvedon clolm if either you or we s° oleel Na erbit{ation LMT bs consolidated with orry other arhitrotion proteedinp without the consent oI sU pelves The only Clahr[s that may be )Dined (n en indivrduol action under this Arbitrodon Agresmont ors Ill those brought by us epsinsl you and sny co-epp5nnt joint eerdmom6pr, or suthorhad user of your Account or your halts or your trustee In authortiad usorlol your Attount, ob your heirs or your vustere ie bankruptcy egeinri us r IniRation of Artlitretioo The party fiRnp s Clelm in erbhraUon muri choose ono of the Ivgowing two orbiuetion adminiatretorc Amerieen ArbilrsUon Assoeiadvrq or National Arblvatian Forubl.Thosa edministtalora giro indopendant Isom us fie sdminlsvetor doss 'riot conduct the,arbitnliop Arbhretian u tondustsd under the rules o1 the selected erbhredoaodriretot by en impeAial third poAy chosen in eccordanee whh rho rules al the seleett rbllretion odminisVetot end as may ba provided In this Arbiration Agrsameni. A y arbhtgtian hasrinp that you errand shell bs held et a ploco thasoi by [ha arbibotar of erbfuepvn edmrnislratar whhin the isderei iudicfal distrra In vmich you reside of the tuna rho Claim k lged, or at some other plate tv whith you and wo agree In writing You may obtain sepias of the current roles of each of rho two arbitration edminisvators, Inlormodon about orblvalion end erbivetion lees, and insuuttionz for inl6etinp arbluativn by contocUnp rho srbivadon administrators es tv0owr. ,Araeritan Arb11ro0on Assseielion, 335 Msdison Avanuo, Roor 10, Nevr York, NY 10p11.46D5,Web tho:wvrwadcorg.BDD•77!•7879; or NoOoaol Arbilrelioa Forum, P.O. Box 50191, Mlnnsapofis, LAN 5.5405, Web site: wvnv erbhretion-lorom eom, BOD•A74-2371 Praeaduros and Isw appilea6le In orbitratlan. A sinplo, nevuol srbivotor will resolve Claims.Ths erbiUetorwip oithorbe a lowyerwith of loosttan years exparionco or a reGrrd or former judge The arbitration wi0 bo eondueted undor the epppeable procedures 11 you think wa hove, r~poriod inaecurala lniormadon to a tredit bureru, you may end rules of Ure arbiUnilon edminisuatot that e» is elieci on the dale the arbitration write to ua at y~o probl@m Ifedaibbls, ptoadsoeprovrdoda opy of the credo bu ou is filed unioss those proc`~usA room nhwHltproveHnThessprocedura andr las datcripilonol payr"e,add~ats, invosilt lamthermoriehand,ito~nbrimr sUpetion AgrsemonL in which Casa 9 ro art is question Wq utn71 prompily 0 may limit the amount of discovery avegobto to you or us Tho etbilrator will opply P nppGeebla substsntive law tonsislenl with rho FAA and oppOcabla statutot of shows that you eta right, we vAlt eontoet each ersdh butoou tawhich wa topone ws wiM taU ou in writing or by telophono We uvril also notify the havoaehoa~nganrdborepresentsdbycoeunselTha rbiuotorwlltekeroasonablo our jnVarsGgelion,dwl4requeytlhaycorrectthorapon.iiwedisagronwithyoue or lnctudinp thaeuse of protaclive ordarafto pro ibit disci su» autsldo rho erbitrauon, longo+ dispute he iynfgrma ion the iniormatlon unioss you tat us know thti you no ii requested to do so byyovorut.The erbitratorwift hove the poworto sward to a W send cerds,hil6n ssetamonufnnd o ha~ oticastoyouelthe addressshown party ony damages or arbor re0of provided for undor eppgceble towsrson who is have rho power to sward rogol lo, against or for the benolit ai ony p Y to onyjoinl ee ountholderf Nailce to 0 neat you wHl blelconsiderod notice tooell of not a party to the proeeodinq it tiro law aulhaizes such toilet. the rrbivetor me you and all of youwHl tome{a obggoted on rho accoun[ award punlWe damapoa or enarnoy fees Tho erbivetor will make any award in wriilng bur nood not provide s atetemanl of reasons unioss requested by s Pant' or sm 1 ed~ess (if ou elect n+ rseorve biUinp isleram nts or other n°Ucos onm~ yr Upon a request by you or us, the orbitretor wHl provides 6rie1 stalemanl of Ihn You must nottly y uc Immsdistaiy in wrtdnp at rho address shown on your biilinp roatons for the owerd. stalsmont. We may, al, oat opilon, etcept making address carracilons Iram rho Casts. We wiD raimburta You for rho Idtiat arbivailon OHng lee gold hyyou up to the smount of 55DD upon receipt of proof of psymonL Addklonepy, ii thorn is s hearing, Unclad Sietes Poste) Service. Wa may contact you about you- account. including ws will pay any foes of the erbhrator and erbilrailoa administtelor for the Grri two eay capu~l ~ ~elop onatrumbeeilyau prowda usross or telephone number os wall es days of that fioerfnp• Tfia payment at any such hawing tons by us vrDl be made directly to rho arbhraUon administrolor selected by yon at us pursuonl to this TELEPHONEMONflDgO+IGANDflECDflOfNG Arbibrailon Agreement AO other fees will ba aUotaUd in keaPing widr lho taros ni We, and it eppFieabls, ouragonts, mayiistan to and ratord your islephone cells with the erbiUeilon odminisuatar end eppOeoble law HowovaG wa wHl advance or us, You agree That wa, cad it eppgesble. out opents, may do so, whether you ar wa raimburts filing toes end other teas it the arbluailon edudnis-»tor or erbit»lor initiate Ute telephone ceD delerminas there is good reuoa for ragnlting us to da sa ar Vou sak us and wo INFORMATIBN SHARiN6 dolormine there Es goad cease lot doing so Each periy wi0 bent the expanse of Iho youaulhorizo us to share cerieln intormetion eboutyou endyoureccountwithfnour rovoiis,farerbitrotianandonye pestles fem0yatcompanios,andwuhothorsoutsidoourlemtTyotcomponiatincludinpeny teesoadcostsotthetparty'sanarnays,exports,wunessos.documsMSOppndotbor companyorarpsnitailonwhossnomeormerkmayoppaoronthecards,osponnlttod expenses, regardless of which party p en o Hceblo law in vrt,i:h is v idcd t.• ou tvhan frou 6rs1 rec!ivs an permitted below(, except that the s-bitrofor shall apply Y PP by Isw, Dur Pdveuy PaFcy, Pr t' y detertnininp whether a party should recover arty or ell lens and costs from another agreement and elleattonca each calenderYearthnreette ,doscn'bes ourlnlormeden P81,ty sharing p»eilcae and the ehoites you hove and d[ractions you may give us about EnforcomanL linolity, apposis Failure ar any dairy in ontorcing this Arhh»lion our therinp of intormedon obout you and your ascaunt with compnraas or ABroememalanyilme,arinconneclionwithanypanlev{erClofms,willndeonsliwlo ILUNOISCAROMEMDERS Ms 1a ro afro a rbitrelian of a later lime or in connoclion with any orgsnizeilons wihin and ouuids of our family of companion a waiver of arty rig q other Claims Any decision rendered in sorb arblt»UOn procaedinp will ba Rnaf and IHIna1t low- rovidet that we may not share.inlarrnailan about you with comport os or othn orpsnizalions aulside of out iamify of companies unioss you outhorite rho binding ontha patties, unless s party oppeeis in writhrp to rho arbitrelion orgonizntion P within 30 days of lssvaneo of the award The appsol must request anew erbiuaUon - ~ slranng inlarrneiloa to preteen your t»nsaetfans or in response b a wbpoonej. before a gene{ of two nauVel er6ilrelars dezigniud by lhg same arbitration disdosu» of unMss the dlsdosure falls under another axtopUan in the hw Ieue orgnntteUan.'fhepanelwdlraconsideroHlactuelendlegalissuasensw,IoAowtha Youhoreb a »ethe4ilyouthoosenotroexordsethaepplieebleoptautdescribed g e will liner thou own loos, costs and In our Privacy Palley, you vriN be deemed to have sutharizod us to shorn personal sums rules that spplyy to s procsadmg using s single orbit»tor, and make dacisivns inlormeilon we have about you (ndndfhg iniormalion ratoted to say of the products based on the vote of.the majority Each p try experrseslotartyeppeoi,buleparrymayreeaverertyoreillaes,eoslsnndoxpeoDte or services you mayhova with anp of our corgponies) with eompenles or ether from another petty. ii the ma ority of the Panel of erbiuc~ablo es p avfdod by the orparrkatiar-s autsiia albur family of companies law, so datemrinos An award in erbhrodon wHl be.4p~~r ---ENFDAtiNG TH~;j~Cq~Ef~FT .. FAA or other appGcobls low by ony court havtnp juritdl`cilon changosiintyt)rs Cerdmnmbar Agreement. fire lacco shoo inWl>a~i~lw~ ~e~0nship 6etwson 1 sing our right to onbres Iham in the iurure. II e y of the tormsa~i this egrssm nt you and ue concerning the Account, tueh es rho issuing of a now eceormt number s» round to hrunenforerebla, art other terms vvlit remain in full lone or the Irenafarring o the tntanca In rho Accotml to onolheu gun your braholh, We ms Aessipn your secouni, ony amounts you owe ns, or any al our rights end benfrruptcy of any party or enysimiler proeeedfnp inl6etad by yo obfigeUone under this ep»ement to a third party. The parson to whom ws msko rho and (u Payment of the debt in full by yen ar by a third periy If any portion of this Arbitration Agreement h deemed invalid or unanlorceable, the romalnlnp portions GDitfERNI ~ lAW enliilod to any of our rights that wa ensign to that parson shall ngvenbeless remain inlorca THETERMSANDENFORCEMENT OFTHISAGREEMENTANDYOURACCDUP(TSHALL CHANGES TD THIS AGREEMENT DE GDVERIJEO /HdD Ii~IT=P.PREfEC NJ ACCORDI':!L'E :Y:TI { IEDL•RAL lAV1' i,C.D, TO We can change this agreement of anytime, regardle a alrwtision Dur n'ght to Redd, TyE pCfENT STATE LAW APPLIES, THE LAW DF DELAWARE, WITHOUT REGARD to your acconni. bq addmg, delsilnp, or modilyinp Y P TD CONFLICT-OF-UiW PRiNCIPIES. THE lAW OF DELAWARE, WHERE WE AND delete, ar modify provisions includes pnenciel terms, ouch as the APRs end lens, and ether forms tuck es fha nature, axien4 and enforcement of the rights and yOURACCOUNTARELDCATED,WILLAPPLYNDMATI'fRYVHEREYDULIVEORUSE obtigailonsyouorwama heverolatingtoUdsegresmentModi0cetionc,addiGons, THEACCOUNL yP FDRiiLFDflMATIDN +•: or dofoUons e» cogad'Chenpet' or e'Chengo' Wa wig notify you of arty Change it required by epplica his low These Changes may please crll fha tar. ember 5srvico telephone numbrsr on your cord or bHiing noilce ordY, al rho ilmo stated In out notice, In aeeardanca whh udctionc about our account oft s epraomnnt baoHactnrevvhh statomentilyoube q Y Chenga wrTl apply to the unpoid YOUR ORlIHG AI'G , oppGeeble law Unless wa stair alherwisa, any HorpThia No0c6 For:Rriute Uso 6alencee on Yaur account end to new Vansecdona Chan a end The no6ta rvig decertbe arty fights you may have with tangent to arty g . This noDts eantains ilapottanliniormetion about yourrighls and nor responsibl'nios the eonsequonces if you do or do not exercise (hose rights For asempfe, the notice under the Fsb Credit During Act may stela chat you may noilly us in wriilng by a speclRed date ii you do nal want to Notify Us In Caca Di Errors Or Duestions About Your Bill occapt acacia Changan we era making It you notify us in tvriilnp Urot You do not II u think w bIH is wrong, or it you need more intonnatiort about o uansnction ircebletermsollhe onyourbfil,wrftausoaasope»toshastatlhoCardmomborServitsaddrossshown eeeeptthaChengee,youraeennntmoyboclosedlHhisnotatreadyelosedlondyou Yo wRl be o6iigetod to peyyour outstanding bafarrca uadar rho app' on your hrSinp stetetnont Write to us os aeon os possible We must hest Irom you no later than rig deyi abet we sent you the first bill on which rho error or problem nproamenl It you do not notHy us in wrhing bythe dote rioted in the nodco. or it you .n ,.~r•d'i„~xontalephoreu-.bt4doir,ysewH'notpraservbyourriglru notify ua but then use your steounl allot rho dote stated In 1hs notice. you e .:w,•~~ to accept all Change: Ir. t`r ncli:e oad to accept and confirm all tsars e. ~'- _ your apraamaM and all Changes in prior notions wn have soot you regardless or fnyourrnamo end oeeount nrrmbeg Inlormotion: whether you have access to your account • Tho doper emonnt of rho suspected error CREDR WFORMATiON ~ Describe the at»r and exploln, it you can, whyyou bo@ave there is on error ll you Wa moy periodienDy revinwyour credit hirioryby obtaining inlormolion from credit nood more inlormetion, describe fha Item you are not sure about buraoussndolhars ll ouheveanthorhodustopcyyoureroditcerdbilleutometieallyl»myoursnvings Wo mayyreporilnlormoGon aboulyou and yourotcounl to credit burnous, including or checkin sototmLYau can swp the poymenr on anp amount you think is wrong your felure to pay us on Iime.lt you request addhionai cords on your account lot 7o stn dti a ant our lott8r must roach us et feast three business days bolore athars,we moy tepee aecountinformation in your name es wolf as to rho narnas of the'etrptomaUC e~tmtont is sehudulad to attar. these other aeopte Your Rights And Dnr Reaponsibllities Aher Wa fla calve Yeur Wrinea Hoilee Fa f1F a rrl r. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authonhes, that 1~/she is 1 (Name) of ,plaintiff herein, that T' 1) (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, informs*~^^ °^~ h°~~°f ;,t~ i *~ n -0 ~ (r~ c vi .~ C~ -- w 6' -p ~ ~ b ~ ~ - --: _~, Gs a,, -~-, t`. 3 C:'3 ~~± R, ~_. - r: r-~,, :_i J(-t ~,3 ,..t ,~.. ::'7 "C C SHERIFF'S RETURN - REGULAR CASE NO: 2007-04171 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CHASE BANK USA NA VS COSTEA JOHN G ROBERT BITNER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon COSTEA JOHN G the DEFENDANT at 1300:00 HOURS, on the 19th day of July 2007 at 301 COCKLEYS DRIVE MECHANICSBURG, PA 17055 by handing to 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 18.00 Service 11.52 Affidavit .00 Surcharge 10.00 .00 Sworn and Subscibed to before me this day of , So Answers: ~~~ /- R. Thomas Kline 07/20/2007 WELTMAN WEINBERG REIS By: eputy Sheriff A.D. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-4171-CIVIL TERM JOHN G COSTEA Defendant TO THE PROTHONOTARY: PRAECIPE FOR DEFAULT JUDGMENT Kindly enter Judgment against the Defendant, JOHN G COSTEA above named, in the default of an Answer, in the amount of $4,085.21 computed as follows: Amount claimed in Complaint $3585.21 Interest from date of judgment at the legal interest rate of 6% per annum Attorney's fees $500.00 TOTAL $4,085.21 I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: WILLIAM T. MOLCZ ,ESQUIRE PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06016986 Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7`s Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 301 COCKLEYS DRIVE, MECHANICSBURG, PA 17055 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff JOHN G COSTEA Defendant (s) IMPORTANT NOTICE TO: JOHN G COSTEA 301 COCKLEYS DR MECHANICSBURG,PA 055 Date of Notice: ~~ WWR## : 06016986 Case ## (~ "~~T-~~C,(Vl(~ ~~~" i YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. 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 PATRICK THOMAS WOODMAN PA I.D. #34507 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 KOPPERS BLDG, 436 7TH AVE. PITTSBURGH, PA 15219 1N THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A Case no: 07-4171-CIVIL TERM Plaintiff vs. JOHN G COSTEA Defendant NON-MILITARY AFFIDAVIT The undersigned, who first being duly sworn, according to law, deposes and states as follows: That he/she is the duly authorized agent of the Plaintiff in the within matter. Affiant further states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant, JOHN G COSTEA is not in the military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center (DMDC), which states that the Defendant, JOHN G COSTEA is not in the military service. Further Affiant sayeth naught. 1. / W AFFIANT SWO O AND SUBSCRIBED in my presence this ~ day r COMRn~'' ^y~r- ~ r ?la OFF '~ ' " YA~ .~..~-.e 'ARY PUB ~~_;- . a , ~~, t , `da~t;~ ~~~ ~. ~ ,~4,~F'li1VSSi0ri ~ .hSl~~ ~E~. ~ ~ ~ ~,ar, ,R+~~n^gviV8M814SS0C' ~ ~ (1} , "~P.S This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. . Request for Military Status :~ Department of Defense Manpower Data Center Military Status Report Pursuant to the Servicemembers Civil Relief Act Page 1 of 2 SEP-17-2007 09:37:31 < Last Name First/Middle Begin Date Active Duty Status Service/Agency COSTEA JOHN Based on the information you have furnished, the DMDC does not possess any information indicating that the individual is currently on active duty. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Military. n~,r~ ,c.,a,-cam. Mary M. Snavely-Dixon, Director Department of Defense -Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx. §§ 501 et seq) (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's active duty status by contacting that person's Military. Service via the "defenselink.mil" URL provided below. If you have evidence the person is on active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against you. If you obtain further information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects current active duty status only. For historical information, please contact the Military Service SCRA points-of-contact. See: http://www.defenselink mil/faq/pis/PC09SLDR html WARNING: This certificate was provided based on a name and Social Security number (SSN) provided https://www.dmdc.osd.millscra/owa/scra.prc_Select 9/17/2007 Request for Military Status Page 2 of 2 t by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be rovided. P Report ID: MV7'FLQWVDI https://www.dmdc.osd.miUscra/owa/scra.prc_Select 9/17/2007 ;'F .c ~ ~;: ~ ~ `' ~= ~ ~ ~ L ~~- n, -~, .~- 1N THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-4171-CIVIL TERM JOHN G COSTEA Defendant NOTICE OF JUDGMENT OR ORDER TO: ( )Plaintiff (xx) Defendant ( )Garnishee You are hereby notified that the following Order or Judgment was entered against you on (xx) Assumpsit Judgment in the amount of $4,085.21 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession (xx) Default ( ) Verdict ( ) Arbitration Award Prothonotary By: PROTHONOTARY O~ y ( ~- JOHN G COSTEA 304 COCKLEYS DRIVE MECHANICSBURG, PA 17055 Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7~' Avenue, Pittsburgh, PA 15219 1-888-434-0085 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JOHN G COSTEA Defendant PNC BANK, Garnishee, No. 07-4171-CIVIL TERM PRAECIPE FOR WRIT OF EXECUTION (BANK ATTACHMENT ONLY and LEVY) FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T Molczan Esquire PA LD. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 06016986 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-4171-CIVIL TERM JOHN G COSTEA ~ 3o I Cockleys Drive µed, P~- mass Defendant PNC BANK, a E ILIW~. ~'~ Mac,1+ PA ~zoss- Garnishee PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Kindly issue a Writ of Execution in the above matter... 1. directed to the Sheriff of CUMBERLAND County: 2. against JOHN G COSTEA, Defendant ~ Ou~y anon au perso~n.~ ~ylo per 3. against PNC BANK, Garnishee 4. Judgment Amount $ 4085.21 Less payments of $ 60.48 Interest $ 214.90 Costs $ SUBTOTAL: $ 4239.63 Costs (to be added by Prothonotary): $ WELTMAN, WEINBERG & REIS CO., L.P.A. By. William T Molczan Esqu' PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 .(412) 434-7955 WWR#06016986 WWR No. 06016986 ~ ~ ~ oho p .~. ' ~ ~; ~ ~, --~ ~ q 3L 9 ~ ~ n ~ ` ~., ~ cs "r---' r O O t7 A.' ~ i. -" j'e O ~ .~ _ i s ~ `' ~,: ~ , , 3 .-. r © a • l D "{ .T~' ~ Tb ~ V ~.'J WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-4171 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHASE BANK USA, N.A., Plaintiff (s) From JOHN G. COSTEA, 301 Cockleys Drive, Mechanicsburg, PA 17055 (1) You are directed to lery upon the property of the defendant (s)and to sell any and all personal property . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: PNC BANK, 2 E Main Street, Mechanicsburg, PA 17055 and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $4024.73 Interest -- $214.90 Atty's Comm Atty Paid $159.02 Plaintiff Paid Date: 8/12/08 L.L. $.50 Due Prothy $2.00 Other Costs C 's R. Long, onotary (Seal) REQUESTING PARTY: Name WILLIAM 'T. MOLCZAN, ESQUIRE Address: WELTMAN, WEINBERG & REIS CO., LPA 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 By: Deputy Supreme Court ID No. 47437 SHERIFF'S RETURN - GARNISHEE CASE NO: 2007-04171 P ~-- COMMONWEALTH OF PENNSLYVANIA ,,,, COUNTY OF CUMBERLAND .i~ir CHASE BANK USA NA .W.1i. VS COSTEA JOHN G And now MICHAEL BARRICK ,Sheriff or Deputy Sheriff of Cumberland County of Pennsylvania, who being duly sworn according to law, at 0015:18 Hours, on the 14th day of August 2008, attached as herein commanded all goods, chattels, rights, debts, credits, and moneys of the within named DEFENDANT COSTEA JOHN G hands, possession, or control of the within named Garnishee PNC BANK 105 NOBLE BLVD in the CARLISLE, PA 17013 Cumberland County, Pennsylvania, by handing to KIMBERLEE BOROSKY (TELLER) , personally three copies of interogatories together with 3 true and attested copies of the within WRIT OF EXECUTION the contents there of known to Her and made Sheriff's Costs: So answer Docketing . 0 0 ~ /~~u~',~-s Service .00 ~/!! Affidavit .00 R. Thomas Kline Surcharge .00 Sheriff of Cumberland County .oo ~ ~ )b~,1~8 n . o o I I `~ 09/08/loos / __ Sworn and Subscribed to before me this -~ ~. ~- day of By .~'' ..~ Depu herif A.D w. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DNISION CHASE BANK USA, N.A. Plaintiff No. 07-4171 CIVIL TERM vs. PRAECIPE TO SETTLE, DISCONTINUE & END AS TO THE GARNISHEES PNC BANK ONLY JOHN G COSTEA Defendant PNC BANK Garnishees FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt PA I.D #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#06016986 ~~ w IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CNIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-4171 CIVIL TERM JOHN G COSTEA Defendant PNC BANK Garnishees PRAECII'E TO SETTLE; DISCONTINUE AND END AS TO THE GARNISHEE ,PNC BANK. ONLY TO THE PROTHONOTARY OF COUNTY: Please kindly Settle Discontinue and End the above captioned matter as to Garnishee, PNC BANK, only, upon the records of the Court and mark the cost paid. WELTMAN, WEINBERG &REIS CO., L.P.A. BY~ ~ --.. James C. War b rodt PA I.D #425 4 WELTMA , W BERG &REIS CO., L.P.A. 1400 Kop rs B ilding 436 Seve h enue Pittsbur ,P 15219 (412) 4 4- 55 Sworn to and subs Before me the ~_ Day of Augus~,,,2008. 1.6986 Nohrid Ssai Je~ei M. BOtONrak1, NOUry Public ~ a Plfbburph, ~pr~,r comn~ploe Exp+-a r•.b. rl. so~z ~ ~ ~ ~~ ~~ ~ ~ rr~ ~- ~ ~.- ~ ro -~- rn V V ~ `3 E3y ~ { a ~" w ~' ~.... <`~' ~ ` 3 W y ~ w .._, -~ ~ ~ ,,, r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. JOHN G COSTEA Defendant No. 07-4171 CIVIL TERM PRAECIPE FOR SATISFACTION OF JUDGMENT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C Warmbrodt, Esquire PA I . D #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06016986 ~ti IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. Civil Action No. 07-4171 CIVIL TERM JOHN G COSTEA Defendant PRAECIPE FOR SATISFACTION OF JUDGMENT At the request of the undersigned attorneys for the Plaintiff, you are directed to satisfy the above-captioned Judgment. WELTMAN, WEINBERG &REIS CO., L.P.A. rmbrodt, Esquire WELT AN WEINBERG &REIS CO., L.P.A. 1400 op rs Building 436 ev th Avenue Pitt gh, PA 15219 (412) 434-7955 By: James C PA I . D WWR #06016986 Sworn to and su sc "b~d before me this day of Noverrf~er, 08 NOT -' j ~~r_~ war{.y L. udUi~, n1C... ; ?,IbSIC c~y~Fl:ft-7Liyh,i..i.i,.:• , ;yr,'pUn(~ MyCommissiorr ~x~~ira~'. ;t~~t P ;, 2010 /ember, Penneylv.:ni,:,,",., .-•~' ,,;, niIGR ur Ev.:i3i'i08 R. Thomas Kline, Sheriff, who being duly sworn according to law, states this Writ is returned ABANDONED, no action taken in six months. Sheriff's Costs: Docketing Poundage Advertising Law Library Prothonotary Mileage Surcharge Levy Postpone Sale Certified Mail Postage Garnishee 18.00 2.12 .SO 2.00 16.00 40.00 20.00 .44 9.00 108.06 / sJ~a~o 9 ~- <v :,3 y_~_ ~ _r . .,, , 07 ~ t~~ ~"' ~~ cv cJ ~~ ~~ 8 ~ .~ ~ ~ i ufi„ ~ui1l Advance Costs: 300.00 Sheriff s Costs: 108.06 191.94 Refunded on 05/18/09 So Answers, -._-.. ,,~ R. ~ omas Kline, Sheriff; /1 B ~~ i R. Lantz ~' ~ , v ~ -~ f ~ G ~ ~8~~f ~, •r WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-4171 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CHASE BANK USA, N.A., Plaintiff (s) From JOHN G. COSTEA, 301 Cockleys Drive, Mechanicsburg, PA 17055 (1) You are directed to levy upon the property of the defendant (s)and to sell any and all personal property . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: PNC BANK, 2 E Main Street, Mechanicsburg, PA 17055 and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $4024.73 Interest -- $214.90 Atty's Comm Atty Paid $159.02 Plaintiff Paid L.L. $.50 Due Prothy $2.00 Other Costs Date: 8/12/08 (Seal) REQUESTING PARTY: Name WILLIAM T. MOLCZAN, ESQUIRE C 's R. Long, P notary By: Deputy Address: WELTMAN, WEINBERG & REIS CO., LPA 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Supreme Court ID No. 47437