HomeMy WebLinkAbout07-4173,.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
PATRICIA DIAZ
Defendant
No: 07-~~'13 l:ivi~ -frrM
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
06007662 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
PATRICIA DIAZ
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:
PATRICIA DIAZ
22 EASTWOOD DR
CARLISLE, PA 17015
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4227651012521273 .
4. Defendant made use of said credit card and has a current balance
due of $1694.03 .
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 $300.00 .
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 PATRICIA DIAZ INDIVIDUALLY in the amount of
$1694.03 with continuing finance charges thereon at the rate of 6.000°s
per annum from June 29, 2007 plus costs.
06007662 C J Pit SJS
This law firm is a debt collector at
our client and any information obtai
r _
James C. W odt,42524
WELT INBERG & REIS CO., L.P.A.
436 e enth Avenue, Suite 2718
Pit sb rgh, PA 15219
(4 2) 34-7955
F 4 2-338-7130
ing to collect this debt for
ill be used for that purpose.
Statement la axount number: a227 f)51012s21279
New Bamnoe Payment Due bate Paet Due Amount Minimum Payment
$1,894.09 OM2fA7'7 $9/9.69 $89E.158
Amount Endosed r4.k. yorr eMdc ppayyaDb to Grdmamaer 8ervkas.
$ New arldrass or e•mN7 Prnl on laude.
4227651D12521273D0063856001694030000009
2e,e]BSxzoeeo]D LIJILIIrIrrI11111111111rI11rIrII111111111111rLI11.L111111
PATRICIA DIAZ
22 EASTWOOD DR CARDMEMBER SERVICE
CARLISLE PA 170159799 PO BOX 15925
WILMINGTON DE 199855325
1:5000L6028t: 962i0i252i27371t'
OpednglCkteing Dam: 02/21V07.09127/07 CUSTOMER SERVICE
Payment Due Dam: 04121/07 In U S 1-800J4S8f06
Mnimum Payment Due: 5838.66 ~~~ 1 X0500-0948
TDD 1-800-9658080
PaY by Phare 1-800-436.7968
Oumide U.S. eel cdlect
ACCOUNT SUMMARY AcoountNUmbar: 4227 6610 1252 127'd 1-{80960.7888
Prevkwa Balance $1,628.29 Totd Creda llne 57,450 ACCOUNT INQUIRIES
P
O
Box 16298
Pumhaees, Csah, Debim +529.00 AveNebb Credit .
.
~
WNmington
DE 19550-5298
Finance Cha
rgee +596.74 Cash Aoceae Line ,
$870
New Balance 1,4.03 Available for Cash $D PAYMENT ADDRESS
P.O. Box 15925
Wilmington, DE 19886-6325
VISIT US AT:
www.chase.mmlhD
Your minimum payment reflects 1% of your afamment balance, plw any peel-due andlor
over-Nm9 amounm, died inmrest due, aM over-limit fees andlor lam mee.
A mm lee is reflected on ids tilling etemment Your minimum payment reflects 1%of your
smtement bemrlce, plus any pnet•due enloum, dlbd inmreet, and the deed lam tea.
You MvenY made lue required peymenm aM your credit card axount fe 90 days past die. As
a result, your credit bureau may be updsbd with n negeWe retklg. Please send your payment
Immedmtely or oeN ue et 1.868-689-6872 (colect t-902-fi9MB201i) belay.
BP MULTICARD REBATES SUMMARY Remamber...every tlme you eam 525 in rebeme,
Prevloue rebates baance $0.00 you're eNgide mr n 526 BP Oif[ Cerd or a 525
Remaining rebeme baance $0.00 check)
TRANSACTIONS
Trans grrqunt
Dam Remrence Number Merchant Name or Transac8on Deecnptbn Credit Debit
03126 LA .00
FINANCE CHARGE3
Finance Charge
Dally Perbdb Ram Correep. Averege Dally Balance Due To Treneectlon Accumulated FlNANCE
Category 28 days M cycle APR Perbdic Rem Fee Fin Charge CNAROES
Purchases V .07797°k 28.24% $811.38 517.59 $0.00 $0.00 $17.58
Cash advances V .07737% 28.24% $838.15 $18.16 $0.00 $0.00 $15.18
Tom) finance charges ~ 74
Effsctlw Annwl partxxrtaps Rsb (APR): 28.21%
Pbeee see Infonnelort Abou[ Your Account eectlon for balance oomPUmtlon rrle9fod, grace Period. end otlrer important inlormatlm.
The Conespording APR le the reb of Inmreet you pay when you carry a balance on erry traneectlon category.
The EflecBve APR repreeenm your mml flrlarloe chergee - indudng trensaclbn fees
such ea cash advance end balance [renefer fees - expressed u a Ix3rcenmge.
IMPORTANT NEWS
To firM a Castro) Oil Change location near you, go m
www.ceatrd.comlus or cell 1-&ID-182-0835.
Ceetrd. Ire mae than loaf afl. It's liquid errgineedng.
This Statement is a Facsimile -Not an original
X. 0001001 FI933021 D 11 OOD N Z 2] 0]A0Q7 Pp.1 rx 1 002e] urn MA 2616] oee1001011aoo2616]Ot
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E-mail Addreea:
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ACCEPTANCE OFTHfS AGREEIKENy
This npreemenlgovsrnsyour crsdacard account with us roforanted on the card carrier
conteininp the cord for this account. AnY ass of your accountis covendbylhts agraemant
Plsasa read the entire egnement and kaop it (a your recede You eulharfto asmtokap~
tar and chorge year account for aG vaaeoauutd. uwag as erry lens aI'utancs chorger
pa asfaraDVansactionsmada ony
if this is a joint account, aeth of you, together en oral oneu I~ou responsible fa paying
eU amounts owed, neon i of CfOdit earduwh nyou receive a You oral be bound by this
Pisase srgn the bark of Yo ou urn our eeeeunt far srry purP~a. even it
Y u d ~y ~9 y~wor arryoan euthori:ed by y Y I ur card end
r card Whadte-You use your account srnol. youNet be bound by this
a grsemartt orators you cancel Your account within 10 days shnr nceiring Yo
you have not used Your eccvunt for arty purpose
'throughout file agraemant, din t+rords'wa",'os end'our"mane Chew Bnooukrs mss eR
theissuaro(yourcroddsudand wihlhlsapnemernt,inaiud getlup sonwiwappGad
persons nspanasiba (or eatnpiytn9
p rsoawhoagreastnboG+b~ °nih~°t vntTheword~'tent'masnsonaarm n~cards
cr etltar accrss darviees, such ac eeewnt numbers, that we Neva issued to permit y°°
to obtain crada under this agraemant
USING YOUR ACCDUrJ1
Youtaccasmt rases°~~sswaagneorhishsgliredbylaw,w iwfgnmbenspanrsibia
household prop urchasad or leered through use of pour account You
for merehondrss a servicer p
promise m vw6a iGspel'm soma pleeesrl isnnot our ra ponsibpNylo melee sure that you
gambgnp may ermissible transactiana. end You wflp temein rasporuibla for
use your atcount only is p
F:y',np !ot a unnsectioa oven it it is not pamissibls
Typos of 7rensectiarrr.
• Purchnssc You may use your card to pay lar§votlS ar serv¢ea~_
• ChecTrs We may provide you cash advance checks a belence venster chocks es e
waytnusayourectoeMW(ntdsocdcorssrvimes,tojtrsaslarbaencestoy uraccount,
You may use a ehsek fogey g ou me not use these ehacki to uensler balances to
or for other uses we albw But Y Y
this account from other eetovnts with us or any of our related compnnlas Dnly rho
parson whose Hama is prinnd on the chock may sigpn rho ehsek Cash advann cheeks
ero ueelad as rash advances and behnn Vanalar cheeks an treated as bels~ l
uensratsaxeaptastroiadiaen~echrecksesbalanceu•artsferthacks Hoyvava,chneks
checks fiatwe cell comterti
thptwn crag c~nfsncy~.chtcks.and fiatwa indicated 1a you ero ru6jectto the terms
forcashadvniTcas,'dial'btr~udestszhodvansesandasnssadtsshadvancs rnh:s
and Ines
• gulanteTr+ostorxYovmayvenslerbnlencesirnmathersccormtsortonnswithot er
eradl eer9 issuers atotitxlenders to this eeevrad. a other bslanca uensltuswa allow
cut you rt eY not transfer baleneas to olds account Irom otiror seewnts with us yr arty
of our related eampesies • g e P°oeess sap trial be ante [ro~sterauprto YYour svaleblo
awilabla astAtGna,we meY P
crada fin•
Cash Advrnees: Yon may use your card to get crash from outvmodc tetinr mechinee, of
irom financiaF instiunions accepting the card; or to obtain trawlers thecks, foroign
currency. money orders, wire transfers or similar tash•fike charges, or to obtain lottery
tickets, ceslno gsroiap chips, rata Iraek wagers a Inr simper brldnp uanseetions You
mgYalsq pre s third gaAyzannca to mesa a Payment vn your baFeC and brll the peym•:+t
to this reeounr_
. pverdrett Adraeoyynaes: II yon havo an aggibis checking accounlvrtfi one of our roleted
cwa,on owrdreh on Ihel checkinp~ fount under rho unrtnls of this plreamenl and
your checking account agreement
9t111np L~reis is ordortomenage your sccoun6 we divide rims IMO periods caged'bitGng
cycles:EechbGlingtycleisapproximatelyonemonthinlsngrh For eachcalondstmontis,
your recount wig fieve a billing cycle lhnt ends in that month Yovr account wGl havo a
bilfmp cycle Imdmg in eeeh calendar month whether or not then is v bGling statomnnt
toi that b11Gng tyele.
Atnhadzad Users Il you allow romaona to use your eecoun4 thattper~ he~tnn sre
outhorized nett Yov shoWd think uniuGY before agowing nrryo
eudtotizsd user because ppea are opowing el parson to use the eeeount as you can
Yau craft romain raspona~la tar Ihs urn or your sctount and oath card issued on Your
atcount tct:ording In Ihs terms o(this agreement This include:your raspondbifry for
peyinp eR ehargns onytmr oceount meda 6y en evthorizrd usnt.
You mry request en addnlonal lard for use by en euthoritsd user on your ecropnt It ~nU
de so, this etc r,n! may appr.: on the croon report of that euthodzer: tar
You must notify us to tenrdnelo an euthoritad user's potmission to use yevr account II
you no6fyus, wa may tiosa rho atcount sndJa izcue a new card of lards with a dilisro rat
aeeountnumhec Yov should oleo racowr end daslrop any cards, checks or any other
means of access to yew eceovnl from that authorized user
j:redel j]ao: Your ererGtjmo appaors on Your billing stotomonu We may else refer to the
crodn Una as a wndd rank m spending Rrnil Your billing stetamaM afro may show that
only a pardon dyour cnddfine maybe used lot cosh adwncss. Cash advoneos,fneluding
cash edwnee cheek; era charged againel Urn rash odwnta portion of Y°annsibia for
tad nil after upnaecdons ors charged against Yovr credit Gna. Ynu en rasp
keeping troth of Your sewnra balance, including city loan acrd fiaanes ehergn. and
mekinp rule it romaine blow your credit Gm II your account belsnee is overyour erodlt
Gns to erry reason, trro auy charge you an ovarlimit too as dascrRrad)n this egrrament
Ws may, but ere not raquhad to, aulltarite chntpec that go maryour credit tine •You must
pay arty amount ovrr Your crada tma, and you must pay us immadidaly H ws ark you to
This apreameM eppGas to any balann ovoryour credk Gne
At otrrdiscretiun,wa'mayineraesa, reduce, or cancel your ered'AGne, or the cash advance
portion of your uadrt Gns. at any lima Howew , it you Nava asked us not to do so, we
wit ratincreaseyourcreditlina AchangetoyourcradhGnewGlnoteNaclyoufobipalion
m payrrs
imake In a loreipncWnnaYurniitettYou male ouuidsootthe Unhed 5 tar of Amarice even
H u u made in U S dyers 11 you melee a Irensecdon b n lonign currency, Ilrra
Inlernetiortel or pllesterGard international, Inc., will eorwnn the asnsection IMO U 5
dogrrs byusing ifs respective currency conversion procedurez The sxehenpe rata each
sntiry vans to conwn csrraaey is a tau that it selects either from the range of reins
waileble In the wholesale currency markets for the applicable processing deU (which
rata may vary fr'oer the tau tbs raspscdvo entity itssdl ncervssj, or the
gowtnmant~meadeled rats a eNsct on the apppeable proeescing deu The tale a nHael
on the appfiepbls proceuing date tnaydiHer from the rate on U-v dauyrw used yoml:erd
ar attoutR.llVa rtrterve the right to charge yon en additional fine portent (3'Kj of the
meda in U.S, dogars orywss mad brlurorhadwmnoY and eonvainrdtlo U.S. ddtaroby
Visa or MasterCud in either rasa, the J% w10 ba eakulstsd oa rho U.endintem tionel
prwhlad w uslsyt6etandtY The soma precacs andchargea may apply' Y
lrenrattion TS reversed.
Refuter to Authariu7raasatlioar, We may, but era not required to, decline a trencection
on your atcount for any of the following taesonr.
• because of operedonal eorrsidaralions,
• because your eet:ount Isin d:fault.
• if we suspetl iroudulont or unlawful acdvuy or,
• in c.+. d~ar!tion. !o: er.y other revsnn.
We sre trot raspatslble for any losses 11 a uanseetion on your aeeouni is declined for
ony reason, ailbar by us or a Ihltd party. even 1 you hove sulGeienl credit avalabta.
jut online transactions, we may require That you register your account with en
authotisslivn system Ihel we select We vnll notfy you it we went you to register iI you
do nolrep'tstervve may decline your ongna trenseetions
Reluaat to Pay Cbsckr. Eath check you writs it your request for lands. When we receive
a cheek for payment. wa may review your sctount to decide vvhsihar to stnhodse Thal
cheek iNe may, but ere no! raqu'asd Ia. reject and return unpaid a check int any reason.
irtdudmp the fo0owmg axempler. _
• Wa or tma of our ralemd companies is the payee on the check
• YoureredftfinaarcashedvanespoAionotyourcreditl'mohasbssnoxceedad,orwould
be uxtaodediiwa paid the [hack
• The eheekispost-dated 11 a pest•dated cheek it gold, rosullinp in another check Going
rearmed or tat aid, wa sre not respmsiba•
You heva toad rho ehsek ohar the date spadliad on it _ _, _, _ ...
• You sre in dalauh w would be If wv paid rho check
Last at Stolen Certis, Chntlts or Account Nvmbars: Il any card, chalk, sctount number
or other means w aeeaes your aeconnl is loaf tx stolen, or yon think someone used a _,~ „
mry ass them tNitboul Yaw perrrdtsion, yoe must notify us at ones 6y eatGng'ihe
Cerdmotnbor 5erviw tslephorn number shown on your card or 6dling atatemsnt po not
use your eccwnt ehsryov notiy us, even g your card, chat!: eccoun[number er other
means to seesssyour eecountls found or reWrnad. Wa may lerminalo or sospand your
cndt pthnlegas whin you notify us of any loss. their or unauthor'rted use related to your
account
Ynu mny he n!µa ti thnro a: unerut•nrired use of ;mot^. stt!v`^I !•t'at v:~it'n Yw'r re.^.h.
no bansCd, butyou wA not ba Gabio for mots than SSD~D at cueh u:nsnctiora, and yell
wgl not be GeMn tar any such Vansactions made after you notify us of the foss, theft or
unauthorized usa..Ntrvvever, you must identify for us lha unauthorized charges (romwhkh
you -eceivsd no banoi'it_
Ws may ngriue yov to provide us inlotmelion in writing to help us Grad out whatheppaned.
VYs may also require you to comply whir certain procedures in connection vnth out
imrostipetion.
PAYMENTS qq
payment Instructions: Your blling stales manta and salrlorthrthe dotal end timevby
insg'ueUons you mast lodaw tar making p y
which Nra rntsst receive the payment
You ogres to pay us omvunts you owe in U 5 dollors drown on f ands on deposit in a U S,
Rneneial institution a the U S. breneh of a foreign finoneiai instilutlan using a psymeM
chock moneyardar a automatic dabilthetwGf be processrd or honacd iryyour jmanda
InsdWtion We >,dG rat accept cash peymems Your totol evaReble crada may not bt
restored for up to 13 dogs eher we racsrvs your peymont.
pray payment chock a other la•,n •d nn;menl wldch yo: send to rrs Ir ~ I.sa then Ih: ivl
i+nanee matismarked ~eeid in iu1P or wdlr a similar nofedon orthet r:u otherwise tande,
in h,R satislsetiov of a disputed amwni IeondNonnl peymantsl, must bs sent to us et Ur
evnditioneip~nntsaddrecsGstodonYourrrronfilyststement Wereaarvsepourright:
ragardinp such pnymevts For exempla, it h is determined there it no vafld dispute or i
arty cuehpeymoatrs neeivod al otry other address the may eceapt the peymonl e«ni b
wGl suTl owe arty remaining balnnea We mny re~uso to accept airy such paym
reWrnlnp it w You, not caching R a by dsavoytng it Ail other payments that you male
should be sent N the regular peymenl sddnss shown on your montitly slelemanls
iNa rssarvn the ~ipht tv elecvonkeily cailnct your alipi6ls payment checks, et fir:
pnsontmnnt and ony reptasentmant hem ihs bank eecount on wldeh the check is drawn
Dur receipt of Your payment ehects is your autharitetian for vs to eogacttha emoant r
EXHIBIT
y
the check olocuonicatly, or, if needed, by a drab drown against the bank account
Peymonl ehaekswttlba evllocted aleeuonteagy bysandlnp the cheek amaunl along
i with the check routing and account numbers to your by o tv'ihe art n I payment
be debited es early es the some day wy receive your poem D
chuck wDl by desuoyod and en imago will be mainieined m out records
Minimum poymvnt Yau agree tv pay et least rho minimum payment duo, as shown
on your bill'mp statemonL zo that wy rycchro h by the date an a ~;'~ymemnol~rn du u
Yau may pay more then the minimum payment due end may p Y ~
owe us al any tune. II you bevy a baloney thyt K subjocl to finance thetpas, iha
sooneryou pay us,the lyseyou witl pay in Gnanto thatpesbeeausn tioante thergas
accrue on your betenta oath day
Your bgGnp stetamant shows your bepinnFnp bytanea end your ending balenee Itha
'Naw gelance on your bgtlnp statomrntl It iha NaW Belynct is 5ttl DD to lets, your
min'unum payment due witl by the Now eyhnce. Dtherwtta, it rxGl be the lergvst of
iha Iagowing:S1Dlq;2Y, oltha Naw Balenca; ortha sum of t!L oitha Now Bolenco,
total biAtd pedodie rota finance charges, and sny bIDed lyty and ovsrAmh teas As
part o1 the minimum paymoM due,wa also odd any amaunl past dur end sny amount
over Your crodlt lino
Pvymant tUtocaUoreYou egrev that we ere euthorizod to atlocele your payments
and erudite fn a wwveyy that is most fovoreblo to or evnvenient for us. Pot axe mple, you
suthodto us to opplyyour piymantc and credits to balances with lower APRs Isuch
as.promo-lonyl APRs) baloro bsiences with higher APAs
Credit 8alaate~ You may rapuysl a refund of a credit baloney ei any time We may
radusa iha amount of any cndt balance bythe amount of now cherpec ortees billed
to your account.
Aulomelia Chargem You may ordhorho a third par't~' to automailcally charge your
e tcounl for npeat uonsagions Ilor exempla, mouthy uUGtY charpas, mvmborchips
and incurancspnmiutnsj I[yutt>tttvtitchargysenstoppvdlmattyreamnpndudinp
boceuas your account rs closed ar suspended for a+ry reason) or yaw account
number chengot, you era roepansibie for notifying iha kn'tler end paying these charges
dirscdy I(your account number changer. wo may, but era notrequ:rod ta, pay irern
yawnewaetwntnumborchyrpecthotyououthm edtobabilledtoyouroldoceovnl
number
Promalions. From Umo to Ume we may offer spacial terms for your account I! we
do, vvy wig noUly you about iha terms of the altar and bow long they will ba fn oiled
Any promoUon_is subject to rho forms. ai th}s vgrecment es modlfiod by the
promodonaloNoc
RNANCE CHARGES
Doily Pydodlt Aelos and Anawl PerceMope Aolos: Your onauel percootepe ntrs
('APRs')and thn tortotpondinp dally pertadic rotes era Iktod on tbo Rates and feet
Table that is at the on of this doeumynl or Provided rypantely To get iha daily
pariodlc retnwo divide the APR by 365, and m eftyet always round up et iha Ghh
pbu to the Plphtolthe decimal pohrt
Variabiafiatee:OneormorsAPRsthetapplytoyounecounlmayvyrywiUrehanpos
to the Prime Hsu When you hove en APR Uteti~arietwith~trengas to the Prima
Rau, wo eyleulete ihv APR by tdd'mg a margin to rho Prfmy Reu pubgshed in fie
VyegSrroytJoumeltvw budnessdays baiore tM Ciosinp Daty Chown onyour bWinp
statement Tha'Prime Rau' is shy highest {U.S j Prime Reto pubfahed in iha Money
Rates sscUon of The WeBSt»atJournaf It fie WiNSvaar Javmelstops publishing
the Prima Reu, wa wig sebcl a simAer rolorancy rota and inlurm you on your bgRng
staumenl w Utrouph a sepenta noilee
A'metgia It Ure peteenlrpa we odd tv the Prima Aate tv r.elculete shy APR A
'buthrass day is s~y day shot is not v wankand or foderol hufnlay. The Rotas and
Foot Tabk shows whleh retrt, it sny, ors variable rates It also Gslt Ury myrpin for
mach variably rats and any minimum degy periodic rote and currssponding APR
Two businsst drys beicn tiro Gosatg Dety shmvn vn your odGnp suumeN wy wo
v+het iha prima Rela b. We then rdd rho appGceble marpm to Chet Prlmo Reto to pat
iha APR. The daAY Perlodit rya is tyleulyted es dascirbod above
It our ealtuladvn roaulls in t change to a degy periodic rata iromthe pryvieuc bGGnp
cycle beeausv the Prima Role bas changed, the new rata vaU apply as of shy first
dapp of yaw bitln9 cYc~ abet ends in iha calendar month In which eve made the
eaieulttioh 11 the degy pedode rate tnereesys,youwip bavau pay a higher pyriodit
tioante charge end msy bevy to goy a hiphor minimum peYmant.
Deieull Rsfas: Your APRs also may vary it you are in dolaull under This ngraymont
or eery other agtuymont you have with us or any of our ralytyd companies for any of
ihv logovitnp mesons:
• eeeo nt or loan wr~ih us~at Iioslmhotminimum paymeett drue by Ihvtd le end time
due.
• You oxeeed your eradh fine on this account
• You make a payment to us itul is not honored by your bank
• Toffieextentagowedbylaw,il,eterrydmeetlaryoureccouMisclosed,wademand
immediate yeymanl of your outslandinp betenta and wy do not recetva peymont
vvrthh: L'ts Umo we tprctly
li nR~ly of Utesa events v eeuts, wo may ineryese the APAs lincluding any promodonal
faro ttstadbnitha Rnlye nindrfiesvTabb Wo msy consider ho Iollowinp Iraetors do
detotmine your dotault rata' shy length at lima your account has bean open, rho
o:dstonta, serhusnees end timing of the deleulls on your oeeeunt: other indications
of your eecount usepv and poriarmance; inlormoGon about your other roiailonshlps
wilts us oppt any of our related eompnnier, end inlormadon wy obtain Irom consumer
Ihefirctydey Ithabtlll glcycte nwhichthedefeultoccurst'roetdm111apptytvHpurehese
batencys (ram the previous billing rycls for which porio~c finance chsrgea hevo
nolbosn eirvadybigod
U wo decide not to increase your APR oven though them is v deiouii or it wo do not
ineresce your APA up to the mezlmum dalenll rata stated in the Rates end Faos
Table, wo rastrvr our right to increase your APR In the event of any future ddeult
We may is our drscrydon datmrmna u cherga reduced daleuh taros or roinstato
styndard rates tm oU or sylecryd bslynces on your ateouat.
Finyncs Charpo Coleuletloa-Two-CYtie Avorspo Doily Balonee Method (lotludinp
Naw Purehoassjlm Purchesos and Arenpe Daily Balance Msibad Ilncludlnp Now
Trensoctionsj ter "01bor TnosecUoac Wo cslculau pvriodk gnence charges
sapsrataty for saeh bbfenee associated whh a dtiierent tatopory of uonsacUont
(im example, purchtsd~rr boianco venders, balenee uansttt chocks, cash edwnees,
cash od»aee ehaelcs, overdreh edvettees, a nil each promvUonj• These eelcvloUons
msy cvmblav diReronl cntygories whh the sumo dolly periodic talus Thls Is how it
works "
We ctl~ulate the periodic finance charges Fm purchases Err rove steps, as logows:
• Fral, far saeh day of the biting cycle, wa mtdUply the daily balance by the daily
periodic nto "
• Second, for eeeh d4y~ot the pprevious 611Anp q~eL wa multiply shy dally betanee
for purchesysmadtrin'the! bgfinp cydr by rho same dewy periodic nta Howsvor,
vrrt da not do this sd~and flap H we ryteivyd payment in lull of iha New Belonee
nnyourpryvious 6AGnp,sletomoni bythe data and Umo rho mkUmumpaymont was
due m it i pudodlt Ansnsv charge wet already bgbd on fhot betenta
We eeleuteu the portoifk Ananes charges im pwchesas subject to s promotional
rate the soma way, but wa use iha pramolfmol rata
We eelcubty periodle liuanta thatpas for batanee venders, balenee transfer
ehoeks, wchadvaneas, cash advenea checks, and ovyrdrehadvaneas,bymuldph~krp
the daily bdence for soak ollhosv ttlaporias by Ihy daily parkdic rate for ouchh of
those eeleporlas, saeh day You may have overdraft edvenees only it you hmo linked
this eecount to a cheekinp eecount with sae of our related books- a eyieuleu the
p-dvtlk fmvnoo ebnrge: for botonca condors, betenta vanaler shocks, rash
advageet, end cesfi o vence cheeks subject u a promotional rots the same way,
but wa trcv the promoBortal me
To pot the doily betenta for oath day for saeh evlopory.
• Wa take iha bepinning bolynte for that day.
• We add to that bylshca enynew Vensacilonc, teas, other cherpea, and dobh
edjusbaents drat apply to iha} celogory. We odd a now pprtbesa, cash odventr~
balance Irsntfar or overdraft advance, it sppgcebla, to the detly balenee ys of the
uarrsaedon dots, or a later dale of our choice We add t new tusk advance check
or balance utterer check to" the dolly bolerteo es al iha dole iha cash advenee
chock of betenta vertstyr check is daposiud by s peyoa, ar o toter dole vt our
cbotta
• We suhuacl from that bnlanco any payments, credits, or credit adjustments that
epplyto thn eauppory end that ere credited as of Ihot day
• Wv frost a credit belanu as a balance of tiro
7v "dtthd`baginninp belencefor oath tetapory lur:the gdx"};day, wy odd ihv dolly
periodic finente charge u iha daily belsneo II moro~thoa env doily periodic rate
could app to a eatopory bacousv the rate lm iha eetopvey may very bused on the
amouul o virago"dagy balance, ws wilt use iha dally po~fo tc tau that appTros
lot iha avenge dully betenta amotml of rho and vl the bdGn'p eyeb to evlculeto the
deAy pyriodk tiaance charge oath day This epreamant provides for degy
compounding of fmsnee cherpea
7a pof Uru uuT pyriodle Anenea ehorga for iha btlRnp cycle, we add atl of the daily
padodk gnanca charpas for each eetegory for saeh day during fhel b'ilinp cycle,
plusthy dagypotfodk gntnce chatpac on purchrsos, if arty apply, lorthe previous
bRRng retie Hrw,rover. it arty portodit gnanee rharpe k due, we vrdt charge you ~t
least iha minimum pvriottlc Ananta charge stated In iha Retys end Foes Table II It
is nvustrery u sdd an addidonoi amount to meth iha mlrtimum fmante thorps, ws
odd that amount to the balenee torpurehasyc made dnrinp the biAinp cycle
Tha IoW Iinence cherga on your account for a biltlag cycle w1A be the sum of rho
poriodic Gasoca cherpec plus rrryr uantacUon fee fmancy charpas.
Finastheataporywe toituleta sn overage dsgybalnnea pncludinyy newvencettions)
for iha bilDrrp ry~ie by adtfmg ell your daily balencya end dividlnp Ihet smvunt by
the number d days in iha billing cyeiy If a periodic finance ehargy for purchases
mydy during the previous bdfmg eyele e~pGys, the evernpo dolly balenee for those
purehoses 1s ealauloud rho a^me way 1 you muWply the average dale balenee for
a cetegorybythalcstspory's deAy periodic rate, and multiply tiro reauk by iha number
vt days In the bAGrtg tech, the total wlp opual iha patio a tioante charges rot that
beleate enrPoutabie tv that kAGnp cycle, except for minor verieUons dos to rou~np
Grass Podod andAeermrl of Fnenes ChsrpocWa accrue periadc game charpas
on a uansaeUtinier, orfmtneo cherga Iromthe dote h a addadtoyourdagy balance
until peymsmin lug 1f recoivtd onyour eecount Nawavyr,we do notchrrpa pariodle
fmoaee charpas on newpmehasos WMd during s bitlinp tyely it w. recehro peymem
~; yvr:: N:w Baloney by the dais and Urne your minimum paymvm is dur end wo
roeohed payment of your Now etlency on your Proviaus bglBinp rnumvnt by rho
ilea end Umy your pnymenl was due. Tots ezcepuon or'grato period' applies only
to purchases end doe`s noleppiy to belaneevenslars, balance utnsier chocks, cosh
tdveness, rash edvenee chotkks or wordrah sdvaneat, it appGceble
7nasattioo Foes for Casb Advantos: We may cherga you u eesh odvoncs loo in
the tmountstslodin the gates endFves Table for oseh of thr lonowinp Voneecdons:
• tech edvanee,ehert'.$r,
• rash edvencos P`
.S;ai-t'Lar
yuv :, m
In addition, if you use a third pant service to make a payment on your behalf and the
service cherpos the payment io ihk account we may charge a transecilaa loo tar the
payment.
These IrancacGon foes ere Rnenea charpec We add the lee to fhe balance for eha relate
category as o! the uansecUon data of the sash advance For azemple, a tranaecilon Lao
for a cash advance would be added to your cash vdvance balensa
Transaction Fees for Bolancs T~onslor>~ Wa may charge you a bafenta lrenclar fee in
the emonM stated fn the Rates and Fees Tobta for Dash of the (ollowinp transaetiana; ,~
• belencetrenstercheckr,
• balance transiert.
These transecUon fans era finance chnrpos. We add the tae to the batanca for rho rslatod
category as of the vansaslion date of the batanca transfer. For exempla, a transaction
fee for a balance venslarwould 6e added to your balance translsr balance
DT'HER FEfS ANG CHARGES
Foos Table These I oasiwigbs added ho the bolancs tarpurthoses made durirr the billing
cycle,
Annual Membership Fos: II your account has an annual membership Ise, Itwlvl~~Irielhen o
oath year or in monthly instalima u al roe rota e i h when bRleddThe annuMal mamborship
not you use your account end yo g P Y
tears nontefundeMe urdess you notify us that you vvlah to close your account wiUdn 3g
days of the data we maR your b11Gr,p sutemonl on which the annual momborehip toe is
charged end ottha same ilme, you pay your outslandktg balance in IuN Your payment ai
right to make uans~ilons onayrnrr eeeountoltryour eccoutd Is closed by you ar usYv+re
will continue to charge rho annual membership ire unG1 you peyyour outstandlnp beianea
fn lull and latminote your eccounl relationship
Late Foo: tf ova do not roceiva at toast tfio raqulted minimum payment by the date and
time it Is due es shown on your blllinp statement for any billing cycle, wo mapp charge the
Into tee shown in the Rslos and Fear Table II the Isle Lao is based on o balance, we
cutr.fletu Ulu to W Lao :,sing Iho Previous 8slenre at the currant month's stetomam shot
shows the late fao This bslanca is the temp nc the Now Balanea shown on the prior
month"s stvtemsnl larwhich we did not receive vl {osct the required minhnum payment
by the data and lima it was daa
6varlimit Fee: ll your account balonso it aver your eredlt lino of any time during a billing
tyde, won it ordy for ^ day, we may Charge sn overimlt -ao Wa may charge Chit Les
oven if your balance is werthe credit gne boeauto eta tinanee sharge ar tae wo imposed
or o uensecdon we authoen orpa nn overlimit lain subsegbuoatbpl'mpaeydos, Duce i! do
billing Cycle. But we may
now uensoeilons ere made on your eccounl. N Your eccounl batanca stiN is over your
credit I'ms at rrry time during the subsequent bRlinp cycles
Return Payment Fea: N (a) year payment shock or simRer Instrument is not hoaarod, (bj
an automatic debit or other eisdromc paymam it returned unpaid, ac le) wo must roturn
o psymantahoakhoeouse it is not signed or cannot be processed. ova may charge e
rolum payment toe.
Aotnm Cheek fee: if (a1 ova trap payment on a cash advance cheek or balance vensler
cheek of your request, or tbj wo rotuse to pay s cash sdvanee cheek w balance trvnsler
chock, ova may charge a cotton check toe
Administroti~ ~~~~ of N you regvost twaaor moproin erdslormerty spaclel servicaslit r
record of yo
oxomple, obtaining cards on an expadltod basisl, ova may eherCe you for thaw se ass
Howavor, ova vvrTl not charpa you for eadpLes of billing etetemanu, sales drofu ar simRer
dosumatdsthotyoutra~umasallorSabtvN'rp es fie%d above and omorstnntsas ova pravide~tho
law. Wo may eherp , nY
fees Irom time to lima in affect when wo alter the aarvic..
GEFAU4T/yG4LECT10N
We may sonsidor you to be In deloult it any of these Decor.
• We do not receive at least rho minimum amount d1,a by fire der and lime duo os shown
on your bilRnq getement
• You exceed your eredh fine.
• You IarT to comply with the terms of this epreement or orryvoreement with one vi our
rotated compenias-
• We obtain in(orme0on that rouses ut to believe thotyou matl oe unwilling or unable to
pay your debit to us or to otherc on Tuna
• You file for bankruptcy
• You beeorna incepedlotod or in the avant of your daath_ ,
II ova consdot your account to ba in delauh, m may dose Your account without noiloe
end require yon to pnYYa~ unpaid batanca immvdfotatµWe also may require you fo pay
interest at the rate o11vro percent (2K} a month on eha anpoid batanca when we deem
your eceormt to br six of more bRling cyche past dua.
To Iho eztsnl pormittsd by taw it you era fn dofauh beEaucn you hove taped to pay us,
you wNl pry our eoileetfon costs, attorneys' toes edurtcos>!r. and eN other expanses of
enlorcinp our rlghls und~r;l,is ngreoment
CLDSMG YOUR ACt,CUNi
require thrt you one m your request in twltingu sell us to close Your account we maY
Wo may eloto your account of any dma or suspend yanr crodit priv,Tegos at any lima for
airy raesan wHhoul prior nodco except as required by apppceble law. Ii we slate your
eeeautd. we win not be IieWe to you tar say cansequancos resul-inq Irom closing Your
account or suspending your credit privpagos
tf You or ova close your oscount, you end any euthorirod roars must immediately slop
using your aewvnl end doslroy op cards, checks w oUrermeena to access your account
eccolunl av n if theyperormedaeorypra osaed eharvour sceoum~se losedeend youyw,R
,_ Ci~4Ai2c:
by roquirod to p y the nvlstending balance on your account according to rho terms o
thft epraomant In eddidon, to the enont eilowod by law we may require you Io pay rho
oulstend{np balance immpdielely or et erry thno abet your eccounl is ebsad
ARBITRATION ACHEEMENT
BE RESOLVED 8Y{BINDUJ~TRAT ~~ ~TIDN REPLACESTHE RIGHT TD GO
TO COURT YDU Will. NOT BE ABLE TD BRING A CLASS ACTION OR OTHER
NEPRESENTATIV6 ACTION tN COURT SUCH A5 TNAT IN THE FORM OF A PRIVATE
ATTORNEY GENEjWI ACTION, NOR WILL YOU BE AB1E TD BRIND ANY CLAIM IN
ARBTTRATION A5~11 CLASS ACTION DR DTHEA REPRESENTATIVE ACTION. YDU WILL
NOT BE ABLET81: PAAT,OF ANY PASS ACTION OR DTNER REPRESENTATIVE ACTION
BROUGHT BY PONE ELSE, DR BE NEPRESENTED IN A CLASS ACTION DA OTHER
ANp V~ Mpy p~~Vd~Eii{AAVE hAD A R1GHT OR DPPOATUNITY•7 GBRINGECLAIMS
IN A COURT„BEFD,AEAJUDGE ORJURY,ANDIDATO PARTICIPATE OR BE REPRE5ENTED
IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS ANO OTHER
REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT
TO A COURT, SUCH A5 D15CDVERY OR THE RIGHT TD APPFAI THE DECISION MAY BE
MOREIJMTTEO EXCEPfA6DTHERINiSEPADVI6EDBEL0W,THDSERIGftTSRREWANED
BindiapArbhretion.ThisAl'biueilonAproamamia made purtuonlre avancaciloninvolrinp
intetnam commgrce, end shell bo povarnod by end be antorsaebta under rho Federal
ArbRreilonActlthe'FAA'I,9U.5C.51•Tliashmoybvamendvd ThisArhiueGonAprvomant
cats torththe drstrms-enrvs and prosednres undorwhish civims (es defined below) may
ba reaolvod byerbluetion incteo of being gilpatad in court
Pestles Coversd.For the Purposes of thirArbltreilon Agroement,'we ;'us ; end'our' also
tneludes ourparent. subsidwries, affiRetes, Beonsees,predeeessorc,sueeessorc, ocslgns,
any purchaser al your Account, and el.o(their offrtorc, directors, empployees, epenu,
end assigns of any and eN of thom• Addigonally,'we','us and `auk shall include any third
parry providing benefits, services, ar produeu in tonneeilon with the Aeeaunl fineludinp
but not funned to credit bureaus, morchenu that accept any credRdovico issued under
,the Accoun{, rewards programs and onrolimant soivira:, credit intnrenn wtnpcnlas,
debito5eclars, and a5 olthairofficors, directors, amptayaas, eponu and roprosonledves)
ii, end oldyit, such a tkird party is n omo d by you ec a co-delandant In any Claim you assort
agalnsl us
Claims Covered.. Either you or we may, without the other's consent, elect mandatary,
binding erbiuoiloa o{any Claim, dispute or Convovarry by abhor you or us epeinst the
oilroy or epeinritfie amp oyaos, parents, subcidieriec, ellRretos, beno0ciorios, eponu or
assigns of the othuy edainp from or roNbnp )n•any vray to rho Cordrnomber Apreament
onypr~r CudmamberAgroamerA, your crodil cerdAccount ar the advorlisinp,spPbca0on
or appmvei of your Aeeounl ('Cie }.This Atbilreilon AproemeM governs all Claims,
whaiher sucb Cieimc ere based on law, steluW, conuott, repnlaGorL ordinance, ton,
common few, constltulfonel provision, or any tegd theory al Lew tnch ss resporrdoat
superio,or etryoiher legal or equReble gratmd end whether such Clafmt sank es romodles
money damages, penellies, ittjuneUons, or doctrrotary or equkebU, repel. Cieims subject
to thlt ArbhationApreementinnlude gdms reperdmg the oppliea631hy al Utis Ar6ltreilon
ggraBteont~t71*tliitvaAdttY of the enifragradrmmbarAgreomontor any prior Cardmomber
Agtvtitn'ititC171R Arbtuedon AprovmoM includes Cleirns that erosr in Chi pest er adio
In the prrtaM or the luturo. As used ih this Arbilnilon AproemonL the term Cfeim is to
ha pNentjbtbraedestpossibio maenlnp.
Claims tubjoct to ar6'dre0on iadudo Claims that ore mode es eounterdeims, Ctou Claims,
wnttpm~ IacmerbitreUon witrch ra poct~ nyasuch Clo,ms advaeead n thoovlovrsuf~by
eery petty or perties•
As en ezeopilonto this Atbiueilon Agrooment, you retain the right to pursue in a small
claims court em/ Claim Ihetiswilhinthal court sjurisdicilon and procaedc on an Individual
basis 11 a perry elects to ulriuste a Claim, the erhhrailonwRl 6a conducted as an indrviduol
aeilon. Nsi~cr yes nor we rproo la any orblua:ion oa a r.les; yr ropre~: lath. bads,
and the arbfurtor she5 have no authority to proceed on suoh basis. This moons that even
N e Class aedon lewauil or other rapresentetivo eeUon, such as that is the torte of a pnvete
onornoy general ecilen, Is iRed, any Clahn between us roiatad to the issues rsiaod in such
Iawtuitslwill be subject to en Individual erbiveilon clolm N otther you or ova so o1etL
No etblt(etion wrTl be consaRdated with any other arbiVOilon proceodtnp without Use
consent of eN parties. The only Clehns that may be joined In en ind'IVidual eeUon under
this ArbltroilonAgresmontara ill those brought try ua epeinst you end airy eo-opp5unt
joint eerdmombp , or autharhod user o(your AeeounC or your heirs or your trustee In
bankruptcy or (fl those brought by you and any co-eppficem, joint eerdmembor, or
euthorired user of your Aeeoum, or your hens or your trusloe la bankruptcy ageing us
lniilelian of Attfitratioa The Party fling a Claim in arbhreUon must choose one of the
IoRowtng two arbiueilon edmrnitlretort American ArbiveUon Associetiorq or NeUonol
Arbluelirm Forubl.Those edminisUatorc ore Independent Irom us The sdmfnlsvetor dose
not eondutt the.;arbRrelLop ArbNnUon it conducted under eha talus at eha aaleetod
atb'nreilon.ed, stretorby an tmpoAial third party chosen in occardence with eha rules
of the seloet rbiuefion edminlsuelor end as may be provided in Chit Arbitration
Agreomen% A orbhrolion hnrinp that you attend shell by hold et a pleco chasei by
the orbittamr or arbfuslron sdmrnisiretor wbhh rho irderel judicial disur:t In v+hich you
reside of the lime Iho Claim is fded, or et some mbar place to which you end ova agree in
wriilnp You may obuht Copies of eha Current rules of each of the two arbiueGon
edminisuatars, lntormeilon about orbNrailon and erbfuetlon lees, end instructions Isr
tniUeilnp arbluailoa by sontocUnp the erbivedon edministrotort es fopows:
Ameriasn Arbllre0on AesoaietTea, 395 Madison Avonua, Hoar 10, Nov. York, NY
ipp17-4tiD5, Web silo: wr!wadr:orp.liDB-771i•7p7g; or
NoBonal Atbihefioa Forum, P.0. Box 54191, Minnoapofic, iAN 55405, WeD sib:
wvuw erbhrailon-locum cam, BDD-174.2371
Procedures and Lew ap liea6lo in orbitratioo. A slnple, nevuol arbitrator will resolve
Clafma.Theerbiuatar olthvrbaelowyerwithellootttonyearsexparioncoarare6red
or termer judge 'The arbitration wID be conducted under the appgceble procedures
and rules of the erbitraUon edm}nkuator that ors M ellect on the date the erbhretion
Is fled unless those procedures and rules an incansirtant with thk Ar6lustion
Apraemertt in which case this Agreement wiN provey These procedures end rules
may limit the amount o! discovery avalebto to you or us Tho arbkrator will apply
appGcabls substantive law tonsistonl whh the FAA and appgceble statutes of
Gmitatlorts, end wiU honor claims sl privilege recognir.ed spew You may choose to
have a hearing and bs represented by counsel Ths erbitrstorwiiltake reasonable
steps to protect customer Account inlormaAon end other confidon[iel inlorme0on,
ineludinp the use of protsetivs orders -o prohibk disdosurs outside the arbuntion,
it requested to do so by you or us, Tha erbriralor wit hevs the power to award to a
pally ony damages or other raliol provided for undor appficebfe law. end mil not
hove the prwvar to award regsf Io, against odor Iho benefit of any person who is
not a petty to the proceeding II iho law sulhaitas such relict. the arbivstor may
award puniWe damages at enornay leas 71ta arbitrator wiU make erry oward in
writing but nood not p~oa dog thetorbhratorrwlTl p ovidsoasbnel statement olaths
Upon a nquost by yo
ransans for the sword.
Casts. We wiA reimburse you for the inflict arbiunioa tiling Ise paid byyou up to Iho
amount at S51>d upoa receipt of proof of plymonl. Additlone~, !I [hero is a hearing,
Las wrT! pay any fees of the erbilnlor and arbgntioa edministralor for the furi two
days of that hoathrp• Tfie paymaat of amt such hearing foes by us v+Dl ba mods
dfrecdy to ihs arbitration edministretor selatfed by pou ar us pursvarri to ihls
thsMerbtitmretion ndminlruetor end eppgcoblaai~iweNowoveEpwt wl~adv nca or
reimburse filing toes end other leas U the arbhrsdon sdndnistretar or erDitretot
detarminas there is good teased for requiring us to do so or you ask ur and wo
dolormina thaw is goad cause (or dalrrg so Eseh party wIg beer iha expense of Iho
axpenses~ragardless oiw~h'rchpertypravalls~forva bitntion and any appped~ss
parmipad balowl, except that the arbitnlor sheD oppiy any oppDcebla law in
determining whether a pony should rocovsr arty or ell teas emf eocts Irom soother
psrtY•
Entarcomsn4 linality, sppoatc Failure or any delay in snlsrcinp this ArbarsUon
Agraemem el arrytima, or in eonnaeGon witft enypanieuier Clohns,will not tonstiwto
a waiver of any rIgMF to require arbitraGnn et a later Ume or In connoetion whh soy
other Cteims-Any decision rendered in sash arbhretion groceedinp wilt be final and
binding on the peniec, unless a puny oppeats in wrftinp W the arB'riraUOn oFganization
within 3D day; of iscuanta of the sward The appeal must request a saw arbiveUon
bstvrs a peso{ of two aeutrd ~ethitretors' designsled by the .same arbitration
organltativn fie panel Nn11 reronrldar eq factual end legal issues enaw,lollow the
same rules that apply to a proeeadmg using a dngia arbitntar, and make dacistonc
based on the vote of the majority Each petty will bear their own lass, costs and
expsrtsas for arty eppiel, but a pony may ncwx soy or aq lose, torts and expanses
tram another party, ii the maiinrity of the ganef st erbiu'titofs, 8pptyfu9 ebpficabk
law, so dalerndnas An.eward in arbitredlttt„yyly be s orc tbsla~proddod by the
FAA or oUrsr nppGce6la low by ony roan having juric n-" •- -~`-~ -
Savarabliq, survival This Arbitration Apreament shag survive: GI torminaUon or
changae in Ute CardtnamberApraaman6 the ActtwM aadthttrsl4dsnEhiP 6stwssn
you and us eancanrin iha Account, lath as the Issuing of r-lfaw seeoum samba
or rho trans'san~pertyorenyalmilsrproeeedkrgiaitietadbyyouortonyourbehslh
bankruptcy
and I tr Payment of the delft in fuD by yon or bT o third Pony N any portion of this
ArbiVation Agreement k deemed invalid or unenloreaabls, the remsininp poetess
shelf nevertbelees remain is torts
CHANGES TD THIS AGREEMENT
We ten change this agteemsnl st any time, repsrdhss of whether yvu t,avM Ar.,:ess
to your etcoan4 by adding, drlstinp, or modilyinp any provision Dur right to add,
delete, ar modUy provisbns includes lnantial terms, ouch es the APAs end less,
and other Utms such ea Iho nature, sxtartt, and enforcement sl the rights end
abGgstions you of wa msyhive relaCxtg fo this agreement Moditicetions, additions,
ar deletions an caged'Chenpac' ors •Ghango'
Wa wig nobly you of erry Chsnpa U required byappgca bla Isw Thsss Changes may
ba oHeetiw with not)ee only, et rho time slated In our notice, In accordance, whh
6elaace li on your steou t and to n few Irenspec~ns~sngn w111 apply to [fie unpaid
the eonssqu n er if you do arida no}I xoraefsa fosse rlghtspFor sxempfehlhi notlu
moy rieU Iho[ yoo may notify us 1n wrivny by a cpeciAad date fl ysu da not want to
accept casein Changes we era maklnp I! yosnob'fy vc in writing that you do no-
eteept the Changes, your atcnunt maybe closed 1fl it is not already closed) and you
wig be o6figetod to peyyour autsnnding baience under Iho rppliceble terms of Ihr
nptoement If you do not noUly us in writing by the dots rielod in the notice, or it you
nobly us but than use your account attar the data rioted in the splice. you will be
,!.,t.Ncr: to accept all Chsnpac In I`•s nst::e andto accept and confirm ell lams c:
your nproamem end sU Changes in prior notices wa have sent you regardless of
whether you hevs cacaos to your account
CREDIT WFORMATiON
VVa moy psriadita0y review your credit histaryby obtalning information Irom credit
burnous and others
Ws mayrapoR informotion about you. end your atcounl to credit buroous,including
your failure to pay us on tima.lf you roquect addiUonaf colds oh your account for
othors,ws may tepee account information in your name es well es In the names of
those atherppopls
11 you think we' have,.yrponad inaeeursla Information to a credit bureau, ysu may
writs to ut st tirrt_C Ldplember 5orvirce address listed on your billing statemen6
Ptsasa include ~jaur ~ame, eddr'ars, nceount number, tefspfione number and a brtaf
description of tiro pro>jt, pm ff adaifeble, piosss provide a copy of lha erode bunou
tepee is quostlon Wq promptly lavsstigats the molter and, it our imrastipetion
shows that yoo ate right, wo wiU conlocl each credit bureau to which wa reposed
the inlormaGsn end w>4 request Ihsy torts et the sport I! we disagree withyou alter
our lnvasGpation, wa wiM tog you in wridnp or by talapfiano Ws uvrU also notify the
ctadit bureau thstyov dkpWo the information unless you tat us know that you no
longer: dispute the inigmalion
MDTiCES/CHANGE DFPER50NAt INFORMATION
Wowlgsendtards,Wlgn statsmoetsandothsrnoticastoyouelthasddressthown
in ourfilas. D , Uthis is; a~siM eccoun4 we son send blllinp stetsmants end notices
to ony joint accountholder. Nstiea to ono ul you wDl ba considarad notice to all of
you and ell of you will ramefa obGpsted on Iho account
11 yon change your name, address, or home, cellular or business telephone number
ar emal address jil ~eu:olaet to receive bRlinp stetamanLs or o-hor notices onfinel,
you mutt noUly us mmedlately In wrldnp W the addrasc chows on your biUinp
statement. We may, al, oor option, accept mailing address eorrecUons Irom the
United States Postal fiorvias iYJo may confect you about your oceount. fncludinp
!o- customer service qr csgaction, at any address or telephone number sc weB os
any sellular talephoaenumbaryon provide ua.
TELEPHONE MDNiTDBING AMU RECORDING
We, end it sppl'ita6ls, our a~sn[s, may listen to end Yocord your lalephone calls with
us. You agree that wa, end tl epptiteble. our agents, may do so, whether you or wo
initiate Ute tetephoaa cell
INFORMATION SHARING
You authorize us is share tenets information aboutyou end your seeountwitidn our
femgy of companies, and wdh others outside our fermly of companies includng any .
cnmpenyororpenitoUantvhose soma ormerkmaysppearsntha cards,aspatmined
by Isw, Our Pdveay Policy, v~l,i:h k prvtid:d tr you tvhaa you firs) receive on
agnsmont andalkast onto oaeh eelanderyeartharseite , deacdbas ourlnlsrmsdon
abating pneticer end the cholear you hove and dlreetions you may give us about
our sharing of information about you and your account with companies or
orgsnltedons within and outside of our family o) camponias
1WND,IS CARDMEMBERS
Ifgaals liw provides flat wa may not shah inlotmsUon about you with companlos
or othai orpanizatiotu outside of ow (amity of companies unless you authorize the
disclosure ar Unless the disclosure lobs under another exception 1n the low tcuch
as shertnpfnlsnnaUtm taprocoss your tnnsbclians ar in recponse la a tubpoonel.
You hereby apron tfta4 H you chvsca not to axardss the appticabla opt out deserlbed
in our Pdvrty Potiry, ysu vr01 be darmad to Nava suthoritod us to sharp personal
information wa have about you pndading fnlormation rotated to arty sf the products
or seivites yon ratty have with arty of our companies) with companlos or other
or~~Qp~~eiritationr outside g1 out lamly of a ompenies -
t:NF08CIfJGTNISACffEEh1ENT
We son delayanlwehrg ornot enlores arty of our rights undarthisagroementwitirout
losing our right to onbrta sham in the IuLwe- II etry of the tsrmr of this egreamsnt
en found to 6e unanforeaeble, all other terms will remain in tali force
ASSIGNMENT
We may essfpn your account, any amourrls you owe ns, or say a( our rights and
obBgetions under ihitagnament to a third petty The prrmn to whom wa make rho
asslgnmrnlvvifl bo snuUod to arty of our rights that we assign to that person
GDVEANING LAW
THETERMSANDENFOACEMEiJT OFTHIS AGREEMENTANDYOUR ACCOUNT SHALL
DEGDiIEP,NED/:7~`D INT:P,PRETEC IWACCDAOt:!r_'E:YiTIf fL•DL•RALtA'A'AI.D,TD
THE EXTENT STATE LAW APPLIES, THE lAW DF DELAWARE, WITHOUT REGARD
TO CONFLICT-OF•LA-y PRINCIPLES. THE lAW OF OELAWAAE, WHERE WE ANO
YOURACCDUNTARELOCATED, WtLLAPPLY NOMATTER WHERE YOU LIVE OR USE
THEACCOUNT.
FDRIHFORMATION' e,
Places cr9 the Len 'smboi Sarvlco toiephons number on your cord or blUinp
statement it you Mtn ,„ y qudsdans about your account or this spnomont
YOUR BILLING RIf:AFS'
Rsep7llls Nagee Far.Fktute Use
This noose can-eles inponant inlormetlon ebsu! your rights and out responsibg8los
under the Fab Credit B ing Act
Notily Us In Cars Of Ertors Or Dusslions About Yoar Bib
II you think your biD k wrong, or fl you Head mare lntormotion about o uansecGon
on yourbiR, wrRe us op s saporats shoat et Uts Csrdmembst Service sddtosc shown
on yyour biliap ststetnont Write to us as soon ss poasibie We must hear Irom you
no later then fi0 deyi abet vre cant you the first bill on which lhs error or problem
•npytr~d 'ivy tat tslepfiore u:• bt4dotny sewrT not preset vr, your riphis
In your loner, give us the logovnnp Inlormetion:
• Your Hama end account number
• Tho dollar emoant olthe suspected error
• Describe the etror and exploln, it you ten, why you boFreve (here is on error II you
nood morn inlormetion, describe the item you are not sure about
II you have a sthorhod us to goy your credit lard bBi eu-omstieelly Irom your savings
er chocking eeeotmt; you con atop the peymeni on any amount you think is wrong
To stop ihs payment your IsttAr must roach us et ]anal three business deye holore
the automatic psymontis sch'sduled to occur.
Your Rlphis And Our Aasponsiblllliez Ahtr Wa Re cefve Yaur Wrines Notice
..
_;^~ s
We roust eeknowledga your loner within 90 drys, unless we hive corrected the ercor by
then Within 90 days. ws must either correct the error or explain why wa bagavv iha big
t wac correct
Attar wo receive your letter, wa cannot try to eollott any amount You quost'wn, or report
you es dagnquant Ws can continue to bill you lot the arnounl you question, including
Gnanee charges, end wa can apply any unpaid amount against your erodit lino You do
not Nava to pby any questioned smount whga we ere invnstipaung, but you ore still
obDgeted to pay rho perta of your bill Ihat err noun quasdon
II we trod that wa made a mistake on your big,youwig not have to pay any gnonea ehargas
related to any questioned smount II we didn't make s misleko, you may how to pay
em untineiUreicesowewillsandtyauas~ lemantahhaamao ntyou we endlhadato
that it is due
Ii you la1 to pay the amount that wa think you owe, wa may report you es delinquent
us that yovosdA elusodto pay, we mtut~g anyone wo~port you othe~you havoni
quattlon ebvvl your biq Artd, wo must tag yov the name of anyone we repotted you to
We mustteg erryone ws report you to that the molter has boon aatded between us whop
it Gnallyis
It wa don't logow those rules, wo een't collect the (first 550 00 of Ihs quostlomd amount,
oven it your biD was eorroet.
Spoeielflaleslor Credh Card Purchasoc
If you have o problem v+ith the quegty of property or services that you purehesod with s
credit card, end you have Vied in good leith w correct the problem with rho merchan4
you may Nava the right nano goy rho ramelning smount due art the property of nnircos
This right Boas not apply to chock uonracdons 1Toro are two gmitauons on this right
(e}You must have made the pureheea in your home state or, ii oat within your home sf oto,
v+lthin 1DD urges of your currant marling oddrocc and
[b} The purchase price muri have 6aan mare than SSDAD.
These limitations do not eppfyit we own ar operate the mercltonl, or if wo mogedyvu the
edvardramenl for the property or sorvlco: -
Gvpyrighl OZDD6 JPivtarpan Chase & Co All rights reserved
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VERIFICATION
The undersigned does hereby verify subject to the enalties of 18 A.C.S. §~4f904 relating
to unsworn falsifications to authorities, that e/ he is 1J
(Name)
of ~~~J ~ ,plaintiff herein, that
(T' e) (Company)
he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing
Complaint are true and correct to the best of his/her knowledge, information and belief.
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O
SHERIFF'S RETURN - REGULAR
CASE NO: 2007-04173 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK USA NA
VS
DIAZ PATRICIA
KENNETH GOSSERT Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
DIAZ PATRICIA
DEFENDANT
was served upon
the
at 1825:00 HOURS, on the 24th day of July 2007
at 22 EASTWOOD DRIVE
CARLISLE, PA 17013
PATRICIA DIAZ
by handing to
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:
18.0 0 '~~~
9.60
.00 ,
10.00 R. Thomas Kline
.00
37.60 07/25/2007
WELTMAN WEINBERG REIS
Sworn and Subscibed to
before me this
By:
day D uty Sh ri
of A.D.
,i
c
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIV[L D[VIS10N
CHASF, BANK USA, N.A.
Plaintiff
vs.
PATRICIA DIAZ
Defendant
No.07-4173-CIVIL TERM
PRAECIPE FOR ENTRY OF
JUDGMENT BY CONSENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C Warmbrodt, Esquire
PA I.D. #42524
WELTMEN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
W W R#06007662
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
PATRICIA DIAZ
Defendant
TO T>-IE PROTHONOTARY:
Civil Action No. 07-4173-CIVIL TERM.
PRAECIPE FOR JUDGMENT BY CONSENT
Kindly enter Judgment against Defendant, PA"hRICIA DIAL, in the amount of $1694.03 plus costs, based upon
the consent of the parties.
CONSENTED TO:
WELTMAN, WEINBERG & REIS CO., L.P.A., PATRICIA DIAZ,
By:
Attc
W Vl~
sy:
Defendant
.~
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4173-CIVIL TERM
PATRICIA DIAZ
Defendant
STIPULATION OF THE PARTIES FOR PAYMENT
AND FOR THE ENTRY OF JUDGMENT BY CONSENT
TO THE PROTHONOTARY:
Kindly enter Judgment in favor of Plaintiff and against the Defendant, PATRICIA DIAZ, above-named, in the
amount of $1.694.03 pursuant to the Stipulation of the Parties for Payment and for the Entry of Judgment by Consent,
as follows:
Defendant admits indebtedness to Plaintiff in the amount of $1694.03 with continuing interest thereon
at a rate of 6% per annum from August 13, 2007, plus attorneys' fees in the amount of $300.00 and costs.
2. Tc secure the repayment of said indebtedness, Defendant agrees that .ludgment by Consent will be
entered in favor of the Plaintiff and against the Defendant, PATRICIA DIAZ, in the amount of $1694.03 plus
continuing interest thereon at the rate of 6% per annum from August 13, 2007, plus attorneys' fees in the amount of
$300.00 and costs.
3. Plaintiff agrees not to Execute on its Judgment so long as Defendant causes to be delivered to Plaintiff
the following payments in full by ] 2:00 NOON on the following dates:
(a) $84.00 due by August 30, 2007;
(b) no less than $84.00 per month due on the 30th day of each consecutive month thereafter until the
Judgment amount plus accrued interest and costs are paid in full.
~~
4. All payments are to be made payable to the order of "CHASE BANK USA, N.A."
5. All payments due under this agreement are to be received at the offices of Weltman, Weinberg &
Reis, Co., L.P.A., 2718 Koppers Building, 436 Seventh Avenue, Pittsburgh, PA 15219.
6. In the event of default, each payment received shall be first attributed to costs, interest and then to
principal.
7. Time is of the essence of this agreement and should the Defendant fail to have in the hands of
Plaintiff or Plaintiffs counsel any payment in full within five (5) calendar days of the stated due date, then Plaintiff
shall be immediately free to issue Execution as well as pursue all other remedies, in law or in equity, to collect the full
balance of the Judgment entered hereunder plus appropriate additional interest and costs.
8. No act or omission of the Plaintiff, nor of anyone alleged to be acting on its behalf, shall constitute a
waiver, estoppel or any other excuse for non-performance of any duty undertaken. by the Defendant in this Stipulation
which the parties agree is final and complete.
9. Intending to be legally bound, the parties set their hands and seals thisZ~day of~,
20~_.
WELTMAN, WEINBERG &REIS CO., L.P.A.
By:
James armbrodt, Esquire
PA LD. #4 52
WELT. N, EINBERG &REIS CO., L.P.A.
2718 pper Building
436 vent Avenue
Pitt urg , PA 15219
(41 434-7955
07662
By:
Defendant, PATRI A DIAZ
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4173-CIVIL TERM
PATRICIA DIAZ
1efendant
PATRICIA DIAZ
22 EASTWOOD DRIVE
CARLISLE, PA 17015
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 ~~'J
(xx) Assumpsit Judgment in the amount
of $1694.03 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
( ) Default
( ) Verdict
( ) Arbitration
( ) Award
(XX) By Consent
Prothonotary
By: S K . 1~.6) pKB _
PRO H NOTARY (OR DEP Y)
1 ~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs.
PATRICIA DIAZ
Defendant(s)
No. 07-4173-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) 434-7999
WWR#6007662
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No. 07-4173-CIVIL TERM
PATRICIA DIAZ
Defendant(s)
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.
By:
James C. a brodt, Esquire
PALD.#42 4
WELT A , WEINBERG & REIS CO., L.P.A.
1400 p ers Building
436 S v th Avenue
Pitts gh, PA 15219
(412) 434-7999
WWR #6007662
Sworn to and subsc '
before me this
day of May, 09 COMMONWEALTH OF pENNSYLVANfA
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