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Home My WebLink About07-4172-„ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. MARK A COY Defendant No : ~~' ~~~d~ Ci Yi ~ ~e~r, 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 06007699 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 MARK A COY 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: MARK A COY 501 BRENTON ST SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 5466150221516270 . 4. Defendant made use of said credit card and has a current balance due of $9062.67 . 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.OOOo 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 MARK A COY INDIVIDUALLY in the amount of $9062.67 with continuing finance charges thereon at the rate of 6.000 per annum from June 29, 2007 plus costs. 06007699 C J Pit SJS This law firm is a debt collector a our client and any information obta James C. Warmbrodt,42524 WELT WEINBERG & REIS CO., L.P.A. 436 enth Avenue, Suite 2718 Pit s rgh, PA 15219 (4 2) 434-7955 F 12-338-7130 ng to collect this debt for 11 be used for that purpose. PAGE 1 OF 2 Statement fa ecxount number: 59861502 2151 6270 New Balarrce Payment Due Date Peet Due Amount Minimum Payment $w,esz.t7 oazzro7 $1,s4s.og $9,903.87 ~ AAeks your eMdc pryalss to tXwe Card 8ervlus. Amount Enclosed ~ $ I New address a s-rre17 Punt on Beck. 546615022151627000330367010862670000005 6ZOe7 BEX Z Oe]m D MARK A COY 501 BRENTON ST SHIpPENSBURG PA 77257-2111 CHASE O Irrrlllrlrrlrrlrlrrlrrllrrrlrlrrrrllrlrlrrrllrrlrlrrrllrrllrrl CARDMEMBER SERVICE PO BOX 16169 WILMINGTON DE 1ti886-b163 1:5000 L60 281: 4 780 2 2 15 i6 270311• Opem~ ~ p ~ Ie: oaolro7 • os ~~ CUSTOMER BERVICE P In U.S. 1.800946.2000 CHASE O Minimum Payment Due: ~ 303.67 Eapefbl 1.888.446.9908 TDD 1.000.956.8080 PaY by Phone 1-800438-7958 Outside U.S. oeN collect t-902.59d•8200 MASTERCARD ACCOUNT SUMMARY Aceourtt Number: sots 1802 21st s27o ACCOUNT INQUIRIES Previous Balance $10,777.46 ToW Credit Lkre $9,300 P.O. Box 15298 PeymenL CredBe •$200.00 Avsgade CredB rb WflmingWn, DE 198605298 Purchases, Cash. Dedte +$98.00 Cash Aaceee Line $9,300 Finance Charges w$246.21 AvaGabla for Cash $0 PAYMENT ADDRE8S New Balance 10,882.67 P.O. Boz 15153 Wilmington, DE 19888-6159 VISIT US AT: www chese.conYcreditc_rda A kta lee is reflected an this biting statement Yaur minimum peYmanl reflects 1 %of your eretement beJance, P~ anY paet•due amoum, riled InMrest, end the billed kte lee. You haven't made the required payments erd your credit card account fe sX! days peal due. Ae a rewtt, Your credit bureau may be updated with a negeflve retlrg. Pbese send your payment Immedlstey w ce1 ue et 1.800.96ti-8000 (cdbct 1.902-594.8200) today. c1 FtaRl F aFwARDS SUMMARY To redeem your Flexile Rewards points, cell Prevbue prints bslence p 1.1100-ti03.2286. or l00 an to Prints earned on purchases this period 0 www.ChooeeMyRewarde.oom br 24-hour New bbl ~~ ~Un~ 0 eccese b your rewerde pregrem. TRANSACTIONS Trene Amount DaOS Reference Number Memhent Nanra a Trereactbn Deecdptlon Credfl Debit 03ro110800802897017048800008 A - kiAN OU ~~ 03x25 U1TE FEE ~•~ FINANCE CHARGES Finance Charge Defly Perbdb ReM Correep. Average Defly Balance Due To Treneactlon Accumukted FlNANCE Category 28 days m cycb APR Perlodk: RaM Fee Fln Chsrye CNARQE8 Purchases V .08217% 28.99°k $10,701.19 $248.21 $0.00 $0.00 $248.21 Cash sdvences V.082t7% 29.89% $0.00 $0.00 $0.00 $0.00 $0.00 Total flrance charges $248.21 E1lactlw Annwl Ptrcantapa Rtq (APR): 29.19% Pbsee see Iniwma6on About Your Account eec5on for beknce oomputedon method. grace period, and other important intomtatiar. The Correepadirtg APR b the refs d Interest you pay when you carry a belenoe on erry irenaectlon category. The Efrectlve APR represents your Wlal finance charges • including trensactbn fees such ae cash advance end balance transfer leas • expressed ee a percentage. "^# ~„J° ~~' P••j IMPORTANT NEWS NOTICE: We ere repladrg the Two-Cyde Averege Defy eelenoe Metllod (cangrb Interest on PrevkXU and curtem cycle purcheee balances) with firs Average Defly Balance krduding new purchases Neared (pumheees dely helarroe ernes pureheeea defly refs each day only In the current gcle). This Statement is a Facsimile - Not an original X OOne0e1 FI93333a D e (ed N Z 2e QrAa2e ipe t d 1 88889 I.N MA ed0e] Oe]t00000e000a206]Ot E X H I B I T H'7'T'PS:IIINSTANTIMAGE. BANKONE. N ET/STARIJSPIPRINTDIRECTL... 5123/2007 PAGE20F2 Hearses mange aequeet please provide Inhamallon lyelow only if the address inlormatkyn On ireM is incorrect. Street AddreeR: -------------------------- Ciry: -- State: -- Zlp: Home Plane: Work Phone: E-mail Addreea: L !_ ~_ RaW ItlarvMba Raiarr b Claal invr: Wa wy raped afkrnlrlxn aaW yar reaYf b wall eulWa. 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BANKONE.NET/STARJJSPIPRINTDIRECTL... 512312007 IraralYa rxa TrrRaarl Lpl r wra Gqa: PYUe rpr yov btl a abNn am Ynmaritlxy M cNwnp iM ~ranewma~rY1YW.~r•^~aaar°nuM~ror ~ v.w~ua m"'aroar CMA12G75 ~ardrnember Agreement ACCEI'TANGE OFTHiS ASOEFJdENT reemant This spreementgovsmsyourtredit ear vas o(unur ~ countk cov°ndby his sgd r°r sr comeininpthacsrdlorthheecounLAnY y° rosdseta Plaese reed th+ entire agnem°n[ end keep H Ior yew rvtords' You eahorize us fo pey for and charge your aetaunt for ai Venssedons made vn your aeeount ou p our a ccourt as wai as arty fees a inaace thergas pa us tar ai VsnsacUoas made on Y to ether end individually, is responsible tar paying I! this is a Joint accourd, each of you, i a ens OI ei amounts owed, seas i nr uodit wrduwh nbyan <aceiw tt You v+6 b ~6op°d ~ n i( Plsasa sign the beck of Yo ou use out eteaunt tof say p P egreemantilyou w enyoae errdaarized by Y Y uwil bs bouml by this you donti tripe War card Whether You use your aeeoust °r °°t Y° ur card end egrsemertt unless You cancel your accountwilhin 30 drys efUr ncohiitrg Yo you have not used Yortt account far erry 1nrrP°SB Thrauphaut dds apreemahl dra words'ws , of end'sui' mean Chew B ~~ @ en eU the issuer vtyour credd trrd end account Tlu wmds'yoe'.'your end'y whh this epreement,intWdagdta perranwhe eppiad persoes raspoas3H for eompipinp for the account and the perswr to whom eve address bilElnp stalemeats, as we0~i you ~r c erwaccsss devices, to h asteteount nvmbvrsw.athel we hav lssrrad to p~ CDrds to vbuin rnda under this atlnsment USING YOUi ACCOUNT yy Your account baasas Unless wa aprse or his req Fred by law, watwii not ha rasp nrsible houcahotd pare urehasad or leased tluough use o! Your eecmin! You -or merchondure or ssrvieet p promiso>p use year accwm only forveGd end Irwiul tnnsacdons For axempls,intema gambinp rrreybe ilepalra ssmussible trense=l'wns- end y u~wiGhramer^ r~ Prtams~b~ Yi u use your etcount only fa p p;y"rng !or a Vassecban even i h is net psrmisslblo 'fypssotTransedisor. ourcetdtvpeylorgwtl'sarretvrces~_ • purehases:Yoo mayuca Y u cesh sdvancs cheet:s or balance vensfer thatks es a - Checks Wa may protada Ya wayw ese Tour ecroeM Ws ~lsorelar W them fn this epnamem as a check or Chet Yau may use a cheek W paY for gootd~e snoMt use~thasr chocks tanvensfeiobalansasnW or Ior other uses w° °O0W But y Y this aceaurA from other accounts vrih us °r say of our related companies Dniy e person whew Hama isprfnted on the Cheek may sign the steak Cesh sdvancs checks era Ireet+d as i es wed is this eprsoam nt o eny tattorwe make turyav°We +ssY Vent vensters acaP chocksthatwrrcellt°"v°ntvnnchacksasbalentetrattslertMcks Howsvsr,cha thatwe cei cornenisrrce thatks and thetwv ind<catad tb you ate su6Jectto the terms [or cash advances, met ba treated er cesh advencrs and assessed sash advance totes andfess vanslerbalencaslromothereceounuorioenswilhothar • B°IsaceTraos-otsYoemay tredtt card r~ i trsraairslor belene as W this ° count Ir ra other eewunts with us yr anY Butyou n aY eveilabieecrsd~, ~ r"°Y Prossu eepsnisl bet nn wns er uprtayaurr avalabls credo. fin• • Cash Advancers Yon may use your card to pet cesh Item ovlamadc rater machmer, or Exam finanmonvy ordea~wire Vinafsrshoreshnilar testt•fite therpes•, ot~obb nletmry curtenry. tickets,ceslnoprmiapehs;~Cetnmea4 aPsYmpntanynurbas+~M.na~b~lhepaYm ^V mgyalsq utv a third telly m thts oecoun[. • Ovardrvit Advoneere it yon have en sigubt~0 e~a s~~D~t^~ ur related bank l° banks, you m lint Wk scream to Yo rover an overdraft vn that Checking etcount under the terms of this epreament and your chscidnp srcoum agreement BElinp lyelr in ordorto men-pe your account. we divide time into periods caged'bi0•mp cydas : Each bglbrg cycb is epproxknetely one monthin length For each csiendar marsh, your aeeousl will haw a blling cycle -hat ends in that month Your eecounl wit have s ~-ferp cyCie ending in ueh cofendar month whether or not hen h o biting atatament Ior that blling Cycle Authorized Users: U yoc e0aw someone to usv your account, that person toil van auhoraed vest You should Wnk carefuM before mowing eayone to become sn authorized user baeausa yon are ngowinp tthhat parson to usv Iha veetrunt as you ern You wit rentein rash°°sida I°r U'° usv of year account and veth Lard tu°nsib7 Y Ior oecourd etcordlnp Ia tba teeeount mfedi 6y m eWh°rit d users ~w nap tY paying ei eberges on your Yen may rgquesr en addhionoi Cerd Ior usv by es euthorlted user on your eerorrnr I anti do sv, this act r,nl tmY °PPv~• on the creon report sf that suthodte: s' our account !t yea must notify us w terminalo en euthorizid user s petmissioa to use Y you no6fyus, wa may floss rho account entUor issue a Haw Lard m cerdswith ° dillarsnt aeeovninumbet Yov sfmtdd vise recover end drsirvp eny cards, thatks or any other means of access to yes account hem Chet authorized user ~redil J..Ino:Yavt ereddtme eppevrs on Yow blling slslomoMs We mey else tshow ih t crsdtt ins es s uadd fsnh or spending Omit Your bflfing statement also moY ardy s potdas of gout cnddina maybe used Jor cosh a dvantes Cash sdrov ~ eredt One cash advance thatks, era charged a gainer Iha c our cre~lt Gni You en maponsibte tar and ai vdret vpnaacdane ors charged against Y kesµin¢ tracA d your vecount balance, including arty loos and Onanea drergea. and making sure it ramelvrtnt bsu~lYisrga yeah en ovelrl mil -va as described In thlsr gtaomentt Gne far erry reason, We mey, bursts not requlrad to, eulharke charges thatyygo maryonr crodtt ims •Yau must pay any emaunl over Your cre balance Query ur credh Unemmsdut°1y ii we atk you to Thla agreement appges to eny orths cash advance ACourdiscreGvn,wa'mvyincrwse, reduce, or cancel your craddline, porUoa al your uedt Ens, at any tlmo However, it you hove asked us not to do so, wa wiinalhrcreesepourcreditine Achangstoyourcredltgnswitnoteiactyoutob6pel'mn W pay us lmekelnla Ivreign turnncY or first Y°u mats outsidte of the~Unitsd Stales of tAmurk° av°° i it is mods in U S ddfers II you make a Irensacdon in s Ivnlpn currenry, Vaa htternetions! ar MasterCard IntetnaUonel, Inc., wit eonven the Vanserdon into U 5 doiers~ s~v ~onwtt currvntyris a nu -hatrsit~selects e;litvr it maths ranpasot talus entity eve0ebk In rho wholesale curroneY markets tar the eppiceble pracessinp dots iw c rata mey very from the reu ha respeetlvo entity ~edeu Thetal°ineHaci povarnmant-inssdslad nts in sfistt ° diner l~rapm the reu n the date you usedyourterd on the epplieB6le proceuing dds mey or eccoutrt 14Va reieNe the right to chvrge you en eddltional three portent i3Si of the mods in U.S. dopers orywe~mede foie odrore urrentyhind convsr~tedtlo U.S. do0er~aby VissorMesterCaude ~~itbBTho°SrmeprocetslsndcfisrpestmnYappiY~l~anyintum Uonel prwldad tv ashy ihY transecfion is ravorsed flslucsl to AtttboriraTra of the toliowlnp teasonca not required la, dacGna a venseclfon on your account for any • because of apersdand eonrtdenlions, • beesuse your etcount Is in dalauh, • i we suspect frar;dulont other rewsr•n. tivitY or, • in :~, d>?=r"lion .o: cry We ere not responsible Ior any iossas li a Vensacllon on gout account is declined for eny reason, ether by us or s third ParrtY•~ e ~ t°you rag stfieri0yo rfe+c~uunlav+rJr an For ovine transecdons, we mey 4 ou ii we went you to rap[ster if you auhattzslfon system tiudlocGna i our vnOneTVens~ Ylions do notrap'tsterwamey Y Rafusat Is Pay Cheeks: Each checkyou writa'a your request for Iunds. Whenwo receive a cheek for paY b~ ors na! req iced to.r°ra°t and retumsun sill as heck for spy sasan1 checkWsrseW u 1 P lncludmp the3oiowmg exemplar. . Ws or one of our related companies is the payee on the chuck • Y°urersditftnaarcesh°dvsncaportionoiyourcredilfmohasbevnoxrsad°d,orwould be exceeded it we paid thr chock • Tha cheekis pvsi.deted 11 a pest-dated rheck is geld. rasutlinp in ~nothor check befny' raWmad w not paid, ws are not responslbb• , . - You have used the Chuck shut the date speeifiad oe-r1 ` • You era In deisuh of woWd be If we paid Chu chock Lost~lsiPlep Gerds, Cbetks or Accaent Numbar>w If arty card, chuck, account number or other means m stress your account is is u ~~ ^ ~ Yirsuet ioneebY caling the mey usv them wiWoul your permission, Ya lard or billing statement Do not Cardrtwmber5arvicatelephonen~ BtYe ~~us~syrd chackeceouninumberarother use your aetwnt slier you Hefty means to stress your eccountlsus t f aror,p ~r~°ah nr u sutitorhed use rotated to Yvur ereditprm'lepaswhenyovnou7y Y account Ynu mey hn jr.hteeU~~e ~^~ be Bowe Ior mots then S50DD ai cash V nsecGora, end you no benefit, btnyo wit not be Gebls hat eny such Vansscdons m-de after you notify us of tIre foss, the or nneudroritvd uso..Nowevvr, you meal ldentlfylor us he unauthorized eherpes iromwhich you rareived n° benefit_ Ws may require gouty provirds us inlormeUon in writing to hole us find out whethappvned. Ws mey also regtrira yon to tompty whir certain pretaduras in eonneeGon with out invvsipstian. PAYNfENfS Peprrenl lnstruttianr. Your biting statement end sceompenyrep envelope include insVUCUonc you rtwsl lopsw for making Payments end sets forth he date and time by which we must receive the payment Yov ogres W PeY vs amounts you owe in U 5 dollvrs drawn an Iunds on deposit in e U S. lineneis! instituhon or the L S. branch of a lorolgh Ononciel institution ~ainp ~ fete 1e chock monoyordar or eutometie dvbitthetwr~ be processed or honored byyaa re ored for up to•15 dots her we retarvs your pegmonti evalsble crsdg mey not br Airy Payment chest oroher la•m •d ~eimenl WMch yo;: ~snd to us la• bas hen the ful neranee mat is marked ~rcid in lull' or wrlh s similar notedon or that t:u otherwise tends, in lei satisfecdoe of a drsputsd amount ie ondidonal peymentsl. must bo sent to us al thr cmrdrdonel payments eddracs hated on Your manhlY statement We reserve e0 our righL• ragerdfnp such pormants For exempts, it h is datarminad there is no void depute or 1 any cesh peymanirs raeelvod el eny odrar address we mey eseepl the payment o ant b evil st81 owe a u not eashineil ar dsctroyingril Ail other Payments thetY~ mat raWrning it 1a Y° , i ~ eddnsc shown on our mandtly slstemsnts should by sent to the regular peyrM t Y Wa reserve the right tv aletvonkoiy cegect your allpibls payment thatks, et Or: Ourr tefptolourPayrnentchectsisyowauthoritetion orrJjtbt~e~kls~~ v the check olocuonicalfy, or, if needed, by s drab dsenddp the cheelr smou 1 along Payment checks wgibe eolloeted alseuonieetly by ant 11rs ortpinsl payment i with the cheek, touring and aceaunwe rceslve your lboYm Your bank oeeounl may ba debited es early es the sems day, check wgl be deruoyvd and sn imago will be mainterned m n men d e, rs shown Nlinimure Poymont You ogroo W PaY et feast the minimum p Y moot is due on your billing statement, so that wo reccrvo~ due andermy ~ slug amount You You may pay more than th^ minimum paym owe us el any rime. It you have a bob In ~,~g~~okhBrgissbec urso linen s therges sooner you payus,the leseyouw~ paY accrue on your bolenco eeth day botenca itha Your bilbnp statement ehowa your boplnninp balenca and your ond[ng 'New Balance nt duos w~iU ba the Now 9alse a Dlwl[erwiso, it w~ begtha longest of minimum paym tots! bled pedodi~~ a fmanee chergos~and any biped let andloverUmit IeosaAs pert of the minimum paymord due,we also add any emounl past due end any amount moots overyour crodUlna 1'eymantAllocatiorc~~~ismost ovornbletoorc nveanfontiorus~Fot xampie,you end cradle In a woi' our i antc and credits tv balances with lower APAs isuch authorlto us to opp Y P Ym as promodonal APRs) balers babnces with higher APAs Credit Bolsecas; You may requsal a refund of a eradd bslanee el ony rime We may reduce lira amovntot any credit balance bythe emounl of now charges orlses biped to your eecouM Aulomettc Charpsx You may oudrorhe a third parry to~or„ ch~ri ss' msmborships aeeaunltornpaatttonroedonsitorezemple,monthly L`iaD 9 andinsuraneepromiums) Ueutomedechsrpss aeswpPodoasonj or your aclcorml beeeuse yota atcanm is closed ar suspended for orry n ihaseeharpes number chsngat,yoa ore rvaponsiblo for notifying Ih~ aye nolreGdrgvd la, paY it="' rrroctiy 1(yvuraeeountnumberehonpae.wo nay, your new avcountnumbar charger Ihet you otnhorkod to ba billed to your old aceounl number. oNer s eciei terms for your account Il wa Promodotts: From limo to dms we may p do, wevvBlnodtyyouaboultharermsolthooNerandheemtint es modifiodnby the An promodoa a subject to rho terms al tMc agr ptarnodonal oHot FINANCE CHANCES Doily Pertodie Nstss and Annu as ora01M do reles snofistod ate thu Aetes andrFoes I•APRc'1 and the eorracpontlinp pY P r~ded cspantely To got the daily Tebte That is st the on of this decumoni or p periodic rats wo divide lhr APR by 365, end in effect elwayc round up et the Rhh place t rho right of the dscirrrol point Vorinblo RstasDne or mos APBs that apply to your acaouol may very with changer to the Prune Rste When yon hove one margin tvthn Friwin H ~ published in Tlie pets, we antcubta the APR by edd'mg WspSlrearJoumdtwobusiness days bolero the Ctociap Data she ~ ~Y~e ~pp~oY statmant'pto'Prime Rau' i:Ihs highest (U.5 { PrlronRma: publ4h ubUsfiin Rates section of 11ra We1f 5rnarJoumaf If ibe WipSveaf Jcurnelstopr p 9 the Prime Rsu,wa wig sabot a irmRer reference role end inlarmyou on yoorbgling statmert or through s sapurte nodce 'buekregss day~b en r day that c note w koud orafoderal huGrley.e'fha Rats and aoch variable nu andieeny minimum dsgy periodic reteaand wr sap ndtng APR for Two business days before firs Gosutg Date cgceWe morprn u Ihet Prlmo Hato to pot whet the Prima list ls. We than add the aPP the APA. The dolly Podode ate is celetdated es descrdrod shwa H our ealeutadoa vaults in a change to ^ debt' periodic rate from thetpr6s oof the Grsl cyela because iha Prime pale has changed, rho new rrta vag app Y riot'y of Para bUWt9 eYeet~odi~r~ etncreaws!y uewiphevetop yahiphamperiodie ealcuhtlon ItthrdeRYP Rnnnta charge end mry hove 1o pvy a higher minimum payment. Da{soil Natas: Your APRs also msy very rl You are in dsleult undot this agreement or erry other egraemeni you have with us or arty of our related companies for any of the folbwing sesonr. • We do not rateive, for etry psymvnt Chet is awed on this account or any other eecourN or loan with us. el Isesl the minimum peymam due by the dale and rime due. • You exceed your cradRUns on this account • You make a payment to us that is not honored by your book • Tothe arctentag e~dobll'iour~outstand) g bs4teneeand wo de not raeelvo payment immediau paym Y within. the tithe we sprepy li eRn1y of these events a aeon:, wa may inersese the APRs llnctuding any promodonef rate rtstedlnlths Ralee olndrFoss Table Wavmey consider h I Dowingllottwa do delormins your dotauh rasa: the length of lime your eceounl has been opetr, rho ouslanca, seriousness end dining of the deleutts on your oeeount: other indieadons avert t us or any of ovg sla ed evmpanfes•, and in ormallon w0 obtain Irom consumer credhrepoo'~ bptjnylcyelernwhichthedeleultsccwstraetdrnliappYtRPurthase the first dsy Pvyd :, ar ~; ,~;ee, baleneos Irom the prt!vioue hilfing eyete for which periodic finenee ehsrgaa have not bean slresdy billed ' 1t wa decide not a increase your APP oven though there is a delauil or i1 wo do not increaci your APR up to the mezlmum delevit rata soled in the Relas and Faos Table, wa resaroratN right to increase your APR in the event of any future dsieult stvndeiditatasrlo~rsaU o ~setactted balances an your eeeoup~laufl rates or roinstato Fineecs Charge Colenlatloa-Two-Cycle Averapo Daily Bslonce M othod (locfudinp New Pnreheres~lor Purchases eed Ararege Daily Bsisnee Mslbod hntludlnp New Tensactlotrsl for Oilrer TroesecUoer. We telculste periodic Rnaaee therges sspsretaly for Bich balance associated with a different category of IransatUons iashorwanesehaeks~overdrahedvsnees,andaethprosmWton~These elevlations may eombloa diHeront categories with the same dopy periodic tales Thls is how It workr. We calculate the patio~fe beanie tharpes lot purchares in Iwo steps, es lollows: • Find, for each dsy at Ihs biWng tycle, we mutdply the deify betaneo by the daily porhtdic rate , • Second, for sseh d4y~of the pprvvion ~'llbn~~ anima daily periodic rate However, lorpurchesecmadtrigthetbiibnpcyc by vw do not do Udti si~and slap if we reeaived payment in toll el the New Batence nn your psviovs bUbnp,sletoment by the dale end lime Uro minkrrum payment over dos or g s padodie Raenee ehorgn woe already billed on that baisnca Ws ealcufat the poriodie bronco therges for pnrcheser cub)eet to s promotional rots the sems way, butwa nee the promodonal rat hacla,erahadvaneas,ea hrdvencachecks,andovardrehadvanees,hymu~piys~inag the deity balenca for each of those crlapories W thv degy periodic tale for oarb of those taleporias, aach'dey You rnoylrave overdrah edvantes onlyit youhavo linked this aeeountto s eheekinp aecoont with ens o(our relstad bante• Wa caicutat the pa:fatRe fuwnN charge: for bolonte vansiers, balenca vanrfer chocks, rash edva>lees, end eesh o vonte chalks subject u a pramodonal rate the sumo way, but w~ uce the pemadonal rate 7o psi the depybalenc^ for oath day for oath tetapory. • We tike the beginnlnp bolenoe lot that day. • Wa 6dd to that belahee eny~newg ~cacUons, fens, other chvrpas, and debit adjusbaants°thot-aPph' lothe} cafe o We add a new purchase, cash advance, belancs tronsfar or overdraH advance, d eppbsabls, to the dilly baisnca ac of the uonraedon dell, or o left dole of our choice Wo add a new cosh advance cheek or baAncs trertster check to'ths dopy boLneo es of Ihs dale the cash edvenee chock or beiance tridstsr check is deposhod by a payee, or a later dole al our choita y P ~ erodits, or credit ediustmonts that • Wa subtract from that balance on a ants, • - epplyto that•ast+goty end that are credima~as of thot day . Ws vest a balansa as a behnca at rare To pplttlfi~i'brtL+O bslmee for each eitpiry for the nextdey, wa add the doily. .. perlodlc Rnente charge t the daily balenca It more than one daily periodic rate took! EpplIyy to a cetpory 6acouss the rate for rite catopary mayq very based on the araoum otitr+veTOga daffy bolonro, wtrwUi use tM dopy podod'ic rot Uret applies tot the evarope daby bafartce emounl et the end of Ihs bHtmp cycle to calculsla Ihs daily periodic tioence charge each day This epreemant provides for doily compounding of finenee aharpaa Ta yyet iha tut pariodle bnenca charge for the bppnp cycle, we odd ell of the dedy padodk bnsnce tharpes Ion oath eetagory for eoeh day during that billing eyela, plea the dally periodic Rnstwa ehergas on purehasoa, R arty apply, for the previous bgbnp r:ycle povvevar. it arty porlodlc Rnsnce rharpo is due, we wng charge you ~t Isacl the ndrrbntaa pvriodla gninca chetpa stalyd In the Raus end Feea Tabto II It is aaeeswry u add ea addUional amount to reach ttra minimum linanea charge, we add brat emounl to the bshnu for purchases made during the biginp cyda lira toll tlnanea eharpe on your account for s bifUog cyeta w{b bs the sum of the periodic finance tharpes plus enylraruacdon lea Anonca r:harpggrs. For each ce-oporywa eolcubte en evere~e~dob jeneasaan~d dhndlnp t amount by for the bDUng tytie by adding ell your y the number d dsya in the 6ilinp cytia it o Partodia flnents eharpa for purchases made durigp din prsvwtrr bpbrtp eyrie epppas, the avsspa daily belancs far those purehosesis~`elulaatt~~srdauYP 1f de retemtndmtrdlydpiythotpasuAbytheeumbar a cetegorybY cle, the total will equal the pxio a Rnence charges for that 01 days to the 61N'atp oY a exce for minor veriedons due to roundnp hebnce anributeble to thetbUlinp tytl . pt Grace Period end Aeerool al Fnaneo Cbergoe We aecrua periodic Rnenee ehergas on a vtmsacdin,•fer, or finance sherge from the deu his addadtyourdeily bNance undl peymom In full b retofved on your eeeouttt Howow , wa do notchrrgr petiodle finenea tharpes on newparchasa t>iUed during a 6bbnp eycla R taro rvcafve payment ;,; y„t;; Ns.v Ba{anee by the dale ant: d•na your mtniatum psppm~m is due end wo roeafved payment of your New Balance on your Qravlous bilbnp strtment by iho riot and rime your payment was due.This axcepuon er'prece paned' a pplies only to pureheaea and doeb not apply la belanee vensferr, belonee vonsivr chocks, cash advances, cash sdvonee ehoeks or wordreh sdvinces, it appficabte Ttassrtioo Foal !or Cesh Adveaeos: We msy charge you s cash sdvonte tea in the emointsldlod in Ih'e Rates and FeesTeble for aeth of the IoUowinp uonsactions: • cash edvance,ch9 ~~r, • cosh edvencos In addition, i{ you use s third party service to make s payment on your behalf and the sorviea chugos the payment to Ihk eccourd ws maq cherga a transeeUnn fop Iw the payment These Ito is ;the i~ensocilon deu I the tesheedvaotseFor rrZample~a trlensacUonalco category for a cash advance would be odded to your cash vdvence uee balance trenslor fee in Transoclioa Feea ter Helonca 7ienslars: We may charge yo the amount stored in the Rrtas end Fees 7ebto for oath of iha logovirng tronsaeliona: ~~ • belonea trensler chackr, • betencetrenslarc• Thesevae! of~th°fvonseciion date of h sbalin adUansfor. Fw axolmpla,la iransacation tptagory fee fern bafenee venslerwould be added loyow babneo transfer bo enee OTHER FEES AND CHAAOES Fee Te61e Tfitasoleensiwt716eeddedtothebalancetorpurchozesmadedurinpthobillinp cycle. Annual Mombonhip Fee: if your occount has an ennuol memborrhip lee, hwBl b° blpe each year or in monthly inslallmenti 1 tea tto a e l h whoa bRleddTha annual mamborchip reel you use your eceaunL end yo g P Y tee is ndn-rvlundabia unless you nobs 1e~0 t on which Ihsoanriuel mombarship~lae~s deyc of iha dau we mall yDUr bllTmp bolence inlu6 Your poyment of charged end piths ssmppe Ume, you pay yew rnnaleading ri8ht to make lronsecUonc vnoypur ect:ouatvllryour e~couM is closed by you omusYvue will continue tv Charge the annual membership tae anal You pdyyourautslendinp belento in full and Ierminote your account relationship Into Few 11 wa do not roeoivv at toast the -aqulted minimum payment by ihr date end time it Is due as shown an yew billing stntomenl for any bilUnp cycle, we may charge the core r Clara ~u i t+ too 'sing 1Aa Previp c B°lentahoa Iha current month's stotomont ihdt shows the isle ieo Thie balance is rho tamp es the Now Balanea shown pre the prior month"s riotemsnt Inrwhich we did not receive otioeri the required minimum payment by the data end lime it was doe Ovartimitfee: ii your atcount belonce is over your credh line ai any time dudng a billing cycle, ovmbateneeicwe~ltecr dggnebar:avso IaUlineneacttarge~at oawoltnpvsed pvenllya or a trensacdon we-0ulhoriud Wa vvitl reel charge-more tben one overt` staven Ilene billing eyda. But eve rimy ehmgp an ovodimll tae iuurreceount 6e~nco~t111 k over your new uansocUans ere made on your account, H y credit Rne et any time during rho subsequent biding cycles Aatum Pvymont Foe: U la) Your poymont chock or sknilerlnstrtrmea(~ I W must rotwn pre autometie debit or other aleelronie peymetn Ic rotuFned tmpaid o peymptttFhAtk bocnuso it fs not signed or Cannel ha pt~apsr;od-_we may charge e return peymeM foe. Aotnm Cbock Poa:~s(alpwe swa retrisa to pay a rash dvenee ch ek or bolence trensler check etitYUls[!4t 4: i1+7 - ,,,,,. - - chack, we may chsrgt o rottrmcheck lea recv-d pi your eero nt or H yon roquari twoam m llrenc rdstvr~any spaeiai sorvfeaslllar example, vbteininp cards vn an atpatRt°pd baskJ, we may charge you for these services do umertitsthatyouragtuasgloyabdgngdispMaypuimeyasaartop InstlusundarsppBrpbla law. Wp may ehnrpo, Iw attY services Gslad above and otnar s trvitds wa provide, iha toes Irom time to time rn affect when wv o11er Iha sorvic~ DEFAULTJf,DLLECTtON We moy consfdoryou t° be In dalvuit it any of Chase octurr • Wo do not receive et hest the minimum amount dt,a by ~° det~ and lima duo os shown on your btTting statement • You exceed your erodh line. • You IeR to comply with the terms of this egraemsnt or eery anreement with nee of our rotated comparties- • We obtain infomteiion thottousos us to bs6cve thotyoumay oe unvnlgng or unob a to pay yyoour debts tv pe or to otherc on time • You Tde Ipr bankruptcy • You baeoms incepecitelad or in the event of you: death- If we eortsidor your account to be in delaul6 tea maY dose Your account without notice and requiro yontp pnyyout 11ACSnl(2lLj a mpnilraonathitu dPaid betnnco wh nywatde m interosl al the refs of two pe your occount to br fix m more bR6np cycles Past due, Ta rho extento~ pry eaten s0 ~t enomoys~' ienspuCn~n ~ p~Yond aB 0ptaraBxpallre6 DI you wiq pay enlorcinp ow rights undarbhis egreamanl CLOSinO YOUR ACCOUNT You may close your accouN et any Limp 11 you call us tp close your account we maY require that yw tonTum yom request in writing We may elosv your account at any time or suspend year credit privileges at any limo for any reason wflhvut Prior notice except es required by appUtebla law. Ii we close your aeeauM. we w16 not be gable to yep Ipr edy cansequencos resulting Irom closbtp your oeeouM or suspending Your eradU ptivgrgos If you or wa close your aeeorml, You and any sudtorimd users mbri immodietely slop using your eeeount end destroy a[i cords, checks or othermaens To access your aecovnl account even if heyperormedasor procvessed ehertrour eeeourrtlse losed end y uywtli •.- LidA i2ii: . tys?:. S iha oulriending baleneo on your account eceordMp to rho terms of by requirod to PfY oulst~dinp elent irnmodialaly ar et srryltimo eherlyour atcount li closedu to goy tfia AABiTRATIDN AGREEMENT PLEASE READ TH15 AGREEMENT CAREFlJLLY. R pAOViDES THAT ANY DISPUTE MAY BE AESOLVEO BYIBINDtNG AABITAATION AABITAATION REPLACES THE RIGHT TD GO 70 COURT. YOU- WILL NOT BE ABLE TD BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION IN COURT SUCH A5 THAT IN THE FORM OF A PRIVATE ATTORNEY GENEjtat ACTION, NOfl WILL YDU BE ABLE TO BflIM6 ANY CLAIM IN ARBI'fAAT10N AStA CLASS ACTION OA OTHER flEPflESENTATiVE ACTION. YDU WU.I NOT BE AALETQ,-~ PART,OF ANY C1A55 ACTION OA OTHER REPRESENTATIVE ACTION BADUGffT BY ONE ELSE, OR BE REPAESENiEO IN A CLASS ACTION OA OTHER Allp r,1yE MAy~ DTFiERVP16EIHAVE hAD A RIGKf DRI DPPOFiTUNITY• O66 E NGECLAIMS IN A CDUAT„BEFD,AEA JUDGE ORJURY,ANDJDA70 PARTA:IPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS UNCLUDING CLASS ACTIONS ANO OTHER REPRESENTATIVE ACTIONS). OTitEfl RIGHTS THAT YOU WOULD HAVE IF YDU WENT TO A CDUflT, IiUGN A5 DISCOVERY OR THE RIGHT TD APPEAL THE DECISION MAY BE MOAELIMRED EICCEPiASDTHERWI'''EPRDVIDEDBELOW,THOSERIGHiSAREWANED BiadrpgAr611roUon.TNsAtbitrnGonADrs-memismade pursuanlto eunnsattionirwdvinp inlerriam commgree, end shell ba governed by end bo ontoreaeble under the Fadorel ArbdrogonAcllehe'FAA'L9U.5C.51.16eshmoybvemdndod ThkArbiuetionAprsomsnl sots torthiho dreurttstendas and pr°tedpres vndorwhich civims (es daiined 6vlowl moy bo reserved by arbltreimn feriae of baled GUpeted M court Parties Cwsrsd.Forihe Purpacos of thrcAtblVeGon Apreaman~'we ;'us ; end'ear' also includes ourperenl, substdmnec, etTilisles.Bct+nsevs,prodeeessors,sueuesors, eccipnr, any purchaser of your Aetoun6 end eA.o! thek offrcorc, directors, employees, agents, and assigns ru any end oU of them. AddWona6y,'we ;-uc end'puf shall include any third party providing bone8ts, setvlees, ar products in tonnecilon with the Account fincltrdinD but not limited to erodh bureaus, morehents that a eeept any tred0.devies Issued under •tha Attounl rewards programs and anroltment soivira:, credit insurance campcnlas, debtcoUectws, and aI of thoirpfficots, dlredors, empkyaes, uppers end reprosontsdves) il,end oMyit,such a Utird party isnomad byyvu es a to-defendant in any Claim you assert egeinst us Claims Cevotod.. Either you nr we may, without the other's consent, alert mandatory, binding erbiUOtkn of any Holm, dispute or convvwrs~r byy either you or us egeinst the ='othaq or epeinrithe crop oyaes, parents, subddiaries, aNdiates, btinoflciorios, agents or assigns al the other; arising (rote w reiatinp br any way to rho Cerdmombor ApteamenG nnypriorCordmomb°rAgreoment, ppou~r erode terdAccount ar Utv edvortismp, appGalion or epprovri of your Aeeaunt ('Claim'). Thk Arbitration Apreoment pworns all-Claims, whether sucb Cletms ere based on law, steltno, eonuntt r-pulapon, ordinance, ten, common law, cortstRulipnsl provision, or any lager theory of law meh as rospondoet _ supsriar,vr errypUter legal or equdeble ground and whether such Glehnc seek as romodies money damapas,panetUes, Injunctions, or doderetary yr equitebN reWl. Claims sub)ed t° this prhitre6onAproemontintlude pdms regarding the applleobRity o! this ArbhraUon._ -AgresmontortheVOGdity ofthe eM#e CerdmeptberAproemonlpr arty prior Cerdmembor Agreement This ArbiUedon Aproemstrl includes Cle s that arose in the pesi;Yrt htlse , in the peasant pr the future, As used in This Arbitration AgroemoM. the term Clefm is to by pWen iha broadest pocsiblo moaning Cleans cub)oq to erbiUs0on iadude Ciebnsthst pro mode es eounlardeims, trtis~ eldti`ris,' third potty clointa, inlorpleaders m otherwise, and s party who in1Ue-ec v procredinp In spurt may sleet erbilreUon with rocpoct Iv any lush Claims advanced in the lowsuit by eery party orpettfes• Assn exeopdon to thk ArbiUedon AgroomenC you retain the right td pursue in s smell Cleans trourt eriy Claim lheiis within that court s jurisdiction and proceeds on nn individual basis 11 ° petty rtectsto arbiusto a Claim, the etbiveUon will be conducted es an ktdrvlduol action. Nsititcr you no- we agree to any srbWa:lon oa a :les+ ur r°pre~: taU:+ beefs, Ij sdolers eel~lon 1e atdl or other ropres atati~o wtlpn, such es Ihet fa the Donn o e pdv to omm~oy peneroi rctivn,is Ried, etgt Claim between us related to the ksues reieod in each IewsrdlslwiU be subject to en IndNidval arbhration dvhn if either you or we so elect No erbluetinn nett bo consolidvted wYh any other arbitroion proceodmp without the cpneeM of eR parties The only Clelms that may be joined in en ind'nitdual eeUon under this Arbitrodon Agroemont era I1) Ulose brought by us egeinst you end eIry eo-eppGcant joint esrdmtanbpp , or eutirorhed user of your Aeeatml or your hairs or your trustee In benkruptty or Izl those brought by you pad any co-eppficont, joint cerdmsmber, or euthortted user of your AeeouM, m your hetrs or your wstee is benkruptey apeirtsl us Initivlion of Arbitratiop The Qeny RRnp a Claim is erbllroUon must choose one of the Io6owing two erbiuetion edmtmtustorsc American ArbfUeUon Associotior5 or NeUonol Arbivetioa Farefn.Thece adminiriratorc ore Mdopendent Irom us The edminlsvetor does .not eondupl gm rrbRretion ArbMrotion k tonduded under the rules of the sdectod erbitredon ed• suetot by en impertiel Utird party chosen in ectordence with rho tutee of the salget rblUetion admfnlsvator and as moy be provided in this Arbitration Agreement A erbhretion hearing Chet you attend shell bo hold et s place chasei by the erbiVetor of crblvabon odtmrw;irotor whhh rho iedctet judldal ditvtct 1n which you reside of rho timti iha Claim k IBod, or el soma other pines to whleh you end wa spree In wrilinq You may ob-ein cppioc v! the Current roles of eoch of rho two arbivation odmitdtvatorc, information about arbitration and arbiration lees, end insvuctions for initiefinp arblVetion by tontdcUng the arbitration administrators as toflpws: Ameriten ArbiveUon Aesetielion, 935 Madison Avonuo, Floor 10, Naw York, NY tppi7.4665, Ws6 skp: ww,wads erg. ODD-77D-7g79; pr Notionol Arbilrr0oe Forum. P.0. Box 50191, MlnnoapoTis, CAN 55405, Web site: www erbhretion-forum eom, 6DD-174-2371 Proudpres and few oppileo6ls In orbltrotion. A single, neuvol srDivetar will resolve Clalms.The arbluatorvvRi elUrorbe ° lowyerwilh a! loon tan years axpariance ar n retired or termer judge The arbilretian wig ba conducted under the applcable procedures end rules of the arbitration edmiakustor thetore in eflectonthe dole the erbftra-ian fs hied unless those procedures end rulec ore inconsistent with this At6lvetion Agreement, in which case this Agreement wB1 Prou or usaThn arhhraWr w Ildopply may limit the amount of d{scovory avegabto to y applicable substantive law eonsistenl with the FAA and appBtable statutes of Umitations, and end be tar resented by counsel Th erbivoto w It t ke res onsblo havo s hosting P steps to protect customer Aeeount information end other confidontfel inlarmotion, including the use of protaou or us. The a bilreto4 wiY have the power to award to a ii requested to do so by y party any damages or other regal provided for undor oppbcebk iewDerrd wTho is have rho power b award regal lo, e~oinsl or tar the benefit of any p not a party.to the prnceedrng II rho ew authorizes such relies, the rrbivetor pity award pumuva damvpas or enornvy fees The erb-rvator wdl mako any award fn writing but need not provide a atetamanl of reasons unless requested by a parry Upon a request by you or us, the arbitrator veil provide s hriel statsmvnf of fhv reasons for Uta award. Oasis. We wiD reimburse you for rho Enldei erbiVetfon filing lea paid by u up to rho emourtt of 55DD upon receipt of proof of paymors.AddltloneNy, It thvrv is a hearing, ova will pay any leas o! the arbitrator and arbllredoe edmfnistretor for the furi two days ai that hearing- TTia peyewat of any such haarinou ar us pursuenlatmlhis directly to the erbilretlon admhdstretor selected by y ArbitrvUen Agreement Ali other Taos wiB ba alloeobd ht keeping with rho rules al the arhiuetion adminlsvstor end eppficoble law HowovaG we wtTl advance or reimburse filing loos and other fees it the arbiuodon adminisUetor or erbitretnr determines there is good reasoa for raqutring us Io do so or You ask us and wo dotormina lherv is good cause tat doing so Each patty wig bent the vzpanse of rho fees add costs of that party's anarnnyr, ezparu, witnesses, documents vnd other expetuea, ragsrdloes of wlucb party prevails, for vrbitration and any appest cos permitted befowj, except thsl the er6hretor shall apply any oppicable iew in detarrnininp whether a patty should recover arty or ell lees end recce Irom soother paM Enforcomant, finality, appeals failure- of any defey in ontorcing this Ar urn n ,gproemem at any time, or in eonnaeGon with any pon(eutar doims, will not ennsliWlo a waiver of arty rigMa la require arbitration et a Inter thee or fn connocUOn with any other ClshnR Any dacisionroadatad in such atbhralion procoading wtg be final vnd binding on the pa rtiec, unless a perry oppeais in vrrlUnp to the artidroUon orgenfzodon within 30 deys.ol }scuanco of the award Ths eppenl must request a new erbluvUon before r penal of two nauval athitrelars deaignstad by the same arbitration organizadon The panel wit! nconsldar ell Ucttnl and legal issues anew, logow the soma odes that apply to a prateed'mg using a single erbitratar, and mako decisions based ten tha_vote o1 the melodry, f~bh oea~va~tt{ b~ eU tails, tcrisaend oxpencos azpensosior-artiteppiat,btgeperry Y from another patty,.) the maierity of the Penal of itbitretots, applyibg appficoble isw, so datseratnoc`-° iMtbrd..in srbHro~oA-'r'~ba ontorcyablo as providpd by the. FAA or ether ep~rgee61e1vw Dy arty couH hsvinp jurisdiction 4 Svvarability, survival T'hk ArbiUedon Apraament ahaU survive: GI torminrUon or chanpva in the CacdmnmberAgreaman4lbaAtswa+tandth~ reladonsbip between you and ut concerning the Account, such es rho issuing of a new account number or rho iranslercing of iha balance in Uto Account to another o son unur baoh ih bankruplcyolanYPa~YorenysimUarpracaadkiginitistadbyyou yo , and m Payment of the detit in lull by Yon or by a Third peAy If any portion of this Arbitration Agreement & deemed invalid or unanloreoebla, iha romelninp porilanc shall naverthelsct remain in force CHAN6E5 TD THIS AGREEMENT We cenehaaga this rgreemeM al onytbne, regardless of whether you f.avti ai.~:ess to youraceoen4 bYa~ Ions loci des fin eclat sans, each ass the APRs end loos, deface, er modify pr and other bents each as the nature, axlvrd, and anlorcamaht al the rights end obiigetions you nr wa mayy have rofaCtng to this agreement Modilitativns, additions, ar dvledvns ere caged'Chenpet' w a'Chvnpo' be off cw~e with notce nnfy, et rho Umv aced lrpirour notice, in acevrdaneo whh appficebla low Unlasc we state otherwise, arty Change wHl apply la the unpaid balances an your account and to new lrrnsyaetana th corttequnnt:esif you do ohdo noel xaroeisa those rlghtsPFar ezamyfehthe notice moY elate that You may notify uc In wridnq by a apeciRad dell II you da not wan[ to occvpt eeAein Chengos wa era maWng II you notify us in tvritYnp that you do not eceeptthe Chengee,yout oeenuntmeybv eiosed (ii irk not already elasedl andyou will be abfipetod b peyyour nulsnnding balance undor rho applicable terms of Iha ngraement If you do not noUly us in writing by the data sbtod in the notice. or it you notify us but then use your account char the data stated in the notice you will be S~t.at~ to eccapt oil Chvnpas in i`•r native and to accept and conUUroaardlsss of your agraamaM end all Changes In prior notices wo havo sent yo 9 whether you have access to your account CREIIiT WFORMATIDN Wa mayperfodicnDy review your credit history by obtaining informaton from credh burovus and others tNa mayraport Inlormotion about you and your account to credit bureaus, including your te8ure to pay us on time.If you request addhional cards onyour account for athars,wv may tepee account information in your name as well os In the names of chase other aaoplo I( yon thinE we hava,.rpFOrtod inaceurola information to a credit bureeu, you may write to us at Ih~-C ptombar Sorvree address listed on your biflmp rielamant. Ptaase include yyour ma, addtass, etcoum number, blophono numbennd a bdel doaeripdon o(tlw prolilpm II egaileble, ptaase provide a copy of the crvdd bureau ropart in question Wa promptly invastigata the molter and, it our invasUgelfan shows that you ore rig'hl, wo will contact oath credh bureau to whhh we ropanad Iha informaton and tv)k request they correct lha report It wo disagree wflhyou char out invasdgeUon, we witl toll you in writing or by tefophono We anti also notify the credit bureau that you dtspWa the information unless you let us know Thal you no longasdkpub rho initymdion NOTICESJCttANGE OFiPERSDNALINfORMATION Wo wID send cards, WWng statomants and other naGces to you el the address shown in our filaa. Or, U This is a joint accoun4 we sun sand billing slataments end notices to any joint eccnunt holder. Notlta to ono ul you wBl ba considarad notice ro aU of you end all al youwgl tomafe obNpsted on Iho account 11 you change your Hama, eddross, or home, cellular or business tolophana number ar emaO address (if pov vlact ro receive bfilinp ctatamants or other notices anneal, you must nMUy us Immsdlatety 3n wridnq at rho address shown on your billing riatemont• Wa msy, al, onr aplion, eccapt molgng address eorrecUons Tram the Unclad Steles Poste) Serviaa. •{,Nv may concoct you about your account including Ivr curiomar service oU evllaction, of any eddtosa or lelaphona number as well as vny cegvlar telophontinumbeeyau provide us. TELEPNDNEMONRDiItNGAND RECDRDING Wv, araf ii applcsble, our rgeals, meylisten W end record your lolephone tells with us, You spree thatwa, end it appfieeble. our agents, may o so, whether you or wa iniliale the setaphoar call INFORMATiDN SHAAiNG You autheriza us to share certain information aboutyou end your accnuniwiUdn our femgy of companies, and wtdt others outside our IatmTy al componias including any company or orgenizntion whose name ar mark may oppa of on ihr cards, as pvnnlttod by Isw, Our Pdvaay PoFcy, vd,i:h is pre:id:d t. you tvhaa you first retlivs an agraamont end alkrrionca each calendaryaerthereette , daacdbes our Inlortnadon shermp pnctlces and the choices you hove pod decctions you may give us about our sharing of informadon about You and your account with componias or vrgenlzadvns within end trutside of our lamily of componias lL11N013 CAADMEMBERS 19irtok law provides shat we mv~ not share iidormaUon about you with somponins of other orpanbsuons outside o our lamily of componias unless you nuthonze the disclosure or unless the disclosure lefts under another oxcepgon in the law (such es sharing inlormegon to process your trertsltcliarrs:or in response a a subppanej. You hvrehy apron tha4 U you choose not to axordse the eppUcable opt out desedbad in nut Pfiracy Palicy,yau w91 ba deemed Io haw authorized us to share personal information we have ebcul you findnding information rvlalad to soy of the products or setvieea irou may have with arty of oaf componias) with companies or other vrperdzalions outside of our famgy o1 companier - - ENFOTICD0GTNISAGREEMENT Wa cart deleyenlarchry vroot enloroa arty of our iiphtt underthisegrvamantwithoul losing our right to onlorev them in the locate. II arty of the corms of this ogreamant ere Iound to he unantorceobie, ail other termL~adi[t+mein in tuB farce ASSIGNMENT We may assign your account, any emourrls you owe us, or arty nl our rights end obGgeUons under Ihls agreement to a third party The prrsvn to whom we mako rho sstignmenl vn7 bo erttitlod to any of our rights that we assign 1o that person GDYERNLNG LAW THE TERMSANDENFORCEMFM OFTHIS AGREEMENT AND YOUR ACCOUNT SHALL DE GDVEP,ftKDRR°J INT.tP.PRE7EC IW ACCORDP.:wE ;YITif ~ EDLitAi. LAW At.'D, TD THE EXTENT STATE lAW APPCD9S, THE LAW DF DELAWARE, WITHOUT REGARD TO CONFLICT-DF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOURACCOUNTAAIiLDCATED, WILL APPLY ND MATTER WHERE YDU LIVE OR USE THEACCOUNC FDR IRFORMATTDN +,• Plarsa eeD tM Ce embvt 5ervleo telephone number on your surd or 6111inp riatomantilyouhe gvdslivnsvbautyoutatcountorthisnpraomnnt YOUR BILLING RlbT~s SoapTbia Nonce Far.F~rtura Use This nnike contains ilnPPoltentinlormation about your rights and out responsibgidos under the Fak CredR BAling Act Notify Us In Coss DL Ertnrs Dr Ouastians About Your Bill Il you think your bgl Is wrong, or ii you nand more Iniormotion about a transaction on yourbi4 wrha us oP a sopereto shoat at the Cordrnvmbar Servlee eddrosc shown on your biginp riatetnonl Write to us vs soon vs possible We must hear Irom you no later than 6D days char we cunt you the first bill on which rho error or problem •ppczr~d 'wo ten telephar.! uc. b!R dmny s,: w7 not placer va your rights In your letlar, give us the toUvwinp Inlormotion: • Your name end account number • Tha dogar emotrnt of the suspoctod error • Describe lha error and explain, if you ten, why You bogeva chore is on error If you need more informaion, describe the liven you ere not sure about If you havo anthorftod us to goy your crvdl turd bUl vutvmatically Irom your savings of checking eeeountyou eon stop the payment on arty amount you think is wrong To crop the payment your lett8r must roach us et least throe business days bolort+ thaaWomaUe pvymontk scheduled to occur. Your Rlghis And Our Rasponaib111Ues Aher Wa Ra calve Ysur Wrinea Notice ~~ ns a nl t: ~ 4 Wa must acknowledge your !Drier within ~D days, unloss the have corrected tho artor by then Wnhin 90 days. we must either correct the error or explain why we beGevv the bill r Wai CDtteCI y ueas depnquentoWee tar continua to b 11 youilor the amount y u question, ine uding Gnonce charges, end we can apply eny unpaid emoun! against your erodit lino You da not have to pby say quss0onad amount whle we era invesiipeUng, but you era still vbpgated to pay tho peAS olyour bUl that era noon quasdan Monce charges it wa find that we ma de a mistake on your bQl,youwUi not have to pay arty rotated to eny questioned amount !I we didn't make a mistek tints on the questoned (manta chargos, end you uRll have to melee up eny missod peym amount In either case, wa will sand you o statement a(Ihs amount you owe end the dote chat it is due If you la0 to pay the amount that we think You end ~ otr wrilo to uswiUdn 10 days lB1Ung However, it our explanedon does not sedtfyy Y us that you still refuse to pay, wa must tell anyone we rvpori you to that you have a quastlon ebvul your bid pad, wo must te0 you the name of anyone we repottod you to We musttoU enyvne we rspon you to that the matter hss been sattied between us when it finally is it we don'I lollowthose tubs, ws cen'tcolloct the Cnsl55D 90 of the questioned emoun oven 0 your bill was eottect. Spacial flutes for Crsdh Cerd Purcbesoe II you have a problem with the quality of property or services That you putchssvd with a youdmryaheva thi right nottogoy thvrame n p emoun[ due an the property or nrvieas This right does not apply to check vencections Thorv tiro two Umltauons on this right (e) You must hove mods the purchase in Your home stare ar, it not within your home state, within l00 mUes o} Your currant meting nddrosc, and ib) The purcheso price mull have been more than SSODO. These limitations do net eppty it we own of oporets the marcltanl, or if ws moiled you the advertisement for the property or sorvico: - CvpyrigM 07DDB JPMorgen Chase & Co AO rights rossrved `1} t „~~s~- - - ~~ f ,~~ , t E ,. , i .... sago ~ r.:: . ,~ VERIFICATION The undersigned does hereby verify subject to the p na~ties of 18 PA.C.S. 904 relating Y/]Y/) to unsworn falsifications to authorities, that ie'she is ( ame) of ,plaintiff herein, that itle) ( ompany) 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. n `~° N ~ ~ e c.~ r- r Cs~ ~'r~ 0 ' _ ~' ~ ~ ~ ..~ t..lil .~ JJ --~ C SHERIFF'S RETURN - REGULAR CASE N0: 2007-04172 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CHASE BANK USA NA VS COY MARK A STEVE BENDER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon COY MARK A the DEFENDANT at 0905:00 HOURS, on the 19th day of July 2007 at 501 BRENTON STREET SHIPPENSBURG, PA 17257 by handing to CISSYCOY 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 So Answers: .~~~ R. Thomas Kline 07/20/2007 WELTMAN WEINBERG REIS By. Deputy Sheriff 18.00 19.20 .00 10.00 .00 47.20 Sworn and Subscibed to before me this day of A.D. ~ ~ ~s~, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. MARK A COY Defendant No. 07-4172-CIVIL TERM PRAECIPE FOR DEFAULT JUDGMENT 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 Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06007699 Judgment Amount $ 9830.45 THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ~. , IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. MARK A COY Defendant TO THE PROTHONOTARY: Civil Action No. 07-4172-CIVIL TERM PRAECIPE FOR DEFAULT JUDGMENT Kindly enter Judgment against the Defendant, MARK A COY above named, in the default of an Answer, in the amount of $9830.45 computed as follows: Amount claimed in Complaint $9062.67 Interest from June 29, 2007 to May 8, 2008 $467.78 at the legal interest rate of 6% per annum Attorney's fees $300.00 TOTAL $9830.45 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 Welnnan, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh. Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06007699 Plaintiff s address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7`~` Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 501 BRENTON STREET, SHIPPENSBURG, PA 17257 :~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff MARK A COY Defendant (s) IMPORTANT NOTICE TO; MARK A COY 541 BRENTON ST SHIPPENSBURG,PA 17257 Date of Notice: ~ WWR#: 05007699 ~"' Case #Q`~ -L Ida- (' ~v~L T~-~.m YOU ARE TN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE TN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOi] 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 YOiJ 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 T.D. #34507 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 KOPPERS BLDG, 436 7TH AVE. PITTSBURGH, PA 15219 ~ S IIV THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA CNIL DIVISION CHASE BANK USA, N.A .Plaintiff vs. MARK A COY Defendant Case no: 07-4172-CNIL TERM 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, MARK A COY 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, MARK A COY is not in the military service. Further Affiant sayeth naught. `~~1~ A FI NT SWORN TO AND SUB ~~ my presence this ~ day COMMONWEALTH OF PENNSYLVANIA Natarial Sea! Wayne A. Bones, Natary Public City Of Pittsburgh: Allegheny County nny Comrri~a;~ior Er~pir~s June 29, 2010 Membar, Pennsylvania Assaaiation of Notaries 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 Page 1 of 2 Department of Deff;nse Manpower Data Center MAY-12-2008 08:38:22 ,~ , `~ ' Military Status Report Pursuant to the Servicemembers Civil Relief Act '~. Last Name First/Middle Begin Date Active Duty Status Service/Agency COY Mark A 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. ~_ ~,-.~- 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.mil/scra/owa/scra.prc_Select 5/12/2008 Recit2est for Military Status Page 2 of 2 • by~the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be rovided. p Report ID.•ItKET,9ITDDJH https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 5/12/2008 -FA- r.`, ~-~ _;, ..0 ~ ' . , f~J -'~ r ~i y i O ~ ~ t ~ t`; f :: _ t ~~ ~ f.,~ f J1 {a .. ~ ~„'1 .J_2. ^"`w .t IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff MARK A COY vs. Civil Action No. 07-4172-CIVIL TERM 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 $9830.45 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: P HONOT R PUTY) MARK A COY 501 BRENTON ST SHIPPENSBURG,PA 17257 Plaintiff's 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. MARK A COY Defendant No. 07-4172-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#06007699 ~. ~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CHASE BANK USA, N.A. Plaintiff vs. MARK A COY Defendant Civil Action No. 07-4172-CIVIL TERM 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. ,Esquire WELTMAN INBERG &REIS CO., L.P.A. 1400 Kop er Building 436 Sev t Avenue Pittsbur PA 15219 (412) 4 -7955 By: James C Wa PA I . D #425 WWR #06007699 Sworn to and subs d before me this _~~ NO/~IRY~'CIC " ~MMONWEALTH OF PENNSYLVANIA Notarial Seal Jennifer M. Borowski, Notary Public City of Pittsburgh, Allegheny County My Commission Expires Feb. 22, 2012 ember, Pennsylvania Association of Notaries r~ _.. ~ ~ , .~ ..~, 00 cM" r " ~ C} 'X"I --1 mo ~ " "d fi C" ~+ ~ "" i /1~ W ~7/ ! ~r p~ 7t ,...,. -yk i T7 ~ ~ ~.~ h.